{"metadata":{"transaction_key":"deprecated","request_id":"01a08e7d-dc46-7561-9446-efebde4099ff","sha256":"f049ce7763dff3dc3326471766be9c72fc268cce44fb7f75b0271e480af95dc5","created":"2026-09-11T03:23:30.280Z","duration":1020.31195,"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":3371,"output_tokens":150},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3755,"output_tokens":3763},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3755,"output_tokens":279}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Dane. Tommy here, senior adviser from. How you been? I'm living the dream. Happy Friday to you, sir. No. That's alright. We we had a bit of IT issues. It was kind of like on and off, so some of the messages weren't going through. So but if you were traveling, I understand completely. No. You're all good. For today, I've got this updated strategy to send through to you. Will you be able to look on to the email with me, or should I just kinda walk you through it? Yeah. That's totally fine. Before I dive into it, so I'll send it through now just so you've got it there, and I'll just go through a quick security check with you. Can I just get your date of birth and address? Sensational. Thank you very much. And, obviously, registered with Asic as Adviser 1273105. And are you okay for the call to be recorded? Beautiful. So when you get that email, it'll come up with about six documents. The first one will be the statement of advice itself. Will have an appendix with some additional research attached and just links to the investment. We've got an insurance quote for the income protection and also just some updated product documents for the funds. They've updated their PDF and investment menu and everything, and so we just wanted to send that through to your records. Now in terms of, I guess, the starting point is the scope of the advice the document covers. We were talking about just reviewing the investments inside the super and a little bit of a review on topping up the income protection, if that rings a bell. Cool. We did have a look at the contribution too and a couple of reminders there just in terms of just, like, planning, just to make sure get a will and power of attorney and all that kind of thing put in place. But there's no advice in here about trauma insurance or anything to do with cash flow or debt management because you're kind of handling all that yourself in terms of savings and renos and things like that. Beautiful. First thing I'd like to sort of start with, so we've got all your details in there, assets, liabilities, goals, and everything. We're sticking to that growth risk profile, like we've said last time, just and ensure enough on the underlying investment. Now when I look at the figures there, so what you'll see, you'll see a fee comparison table. We managed to kind of drop the investment fees by about 20% and then bump the returns up from an average five year return from about eight and a half to about 10 and a half, which is kind of above that nine benchmark that we're aiming for. Now there's no capital gains tax for the slipper to pay because all the investments kind of even each other out when we switch them around. And I have included in there the insurance premium just for the updated projections as well. We're looking at round figures going from about 600,000 in ten years to about $7.35. Obviously, take that with a grain of salt because the market goes up and down like a yoyo, but you should be about a $100 better off from the investment switch. Outside of that, so in terms of the main switches, I have decided to switch out a a number of investments just because the when the government brought in that legislation to capital gains and negative gearing, it caused a lot of property companies to kind of start tanking. And I I just wanna get you away from that investment as well with that spent long month that we were switching out for you already. There's a couple of switching there. Redeployed some of the cash. The asset allocation basically remains the same. You'll be going from about 80% growth assets to about 82. Again, you wanna be aiming between eighty and ninety for your, like, return index level, if that makes sense. Now in terms of the the contribution side of things, so remember how we were talking about trying to get maximum sort of contributions in there with a new $32,500 cap? Does that ring a bell? One of the things I I wanna kind of run by you, and this is my my advice and suggestion, is I wanna change how we're doing the contributions a bit because when I go through the transaction history, your workers switch to what seems to be, like, weekly contribution. Do you get paid weekly? Now that's normally all fine because the those new legislation that super contributions have to be in line with the pay cycle, which is usually fine. But they've had it a whole lot come in from the tax office, like little catch up contributions towards the end of the year in April. There's about 12 of those, little small amounts that came in. In addition to that, some of the month, they're fluctuating between $250 and 620. And last month, five contributions came in, two on the eleventh, one on the seventeenth, twenty fourth, and thirty first. So it seems to be just going a bit all over the shop. And what that's pretty much gonna do is the $2.50 a week now they've got the salary sacrifice. That's probably gonna tip you over accidentally if we keep that going. So what I think you should do instead is just do what my my father-in-law does out in the line is keep all of the instead of salary sacrificing, keep it inside, like, an offset account, offset mortgage, and things like that. And then when it comes to June, just do a top up contribution so you get both the interest offset for the whole year and the tax deduction double waived. Does that make sense? Yes. Yes. Yeah. Similar method. So basically, keep it to yourself. Let let you save on the interest on a weekly basis. Get a whole year out of it, and then just chuck in that couple of grand top up so you don't tip over. And that way, you get the benefit of both, which is better, and then there's no risk of random additional taxes coming out because of the frequency and the fluctuating amount. Cool. So I've included that in there. Again, it's just a a note of this booking the payroll, but I'm basically saying, yes. Stop the sales tax. Pop it up later. So that's kind of the super side of things. Tune up the portfolio, switch how we do the Any questions on on those two? Cool. For the insurance side of things, so I did a bit of a hunt around for some providers. I did find one provider which can possibly get you to the cheaper premium, but I haven't recommended it this year. What I've actually recommended is just to top up your income protection back up in line with what it should be. So instead of 8,900 a month of cover, top it up to 10,000. And that's only gonna bump up the premiums by about 600 a year to get that full sort of 70%. What we can do possibly down the line is just in terms of another provider here in MetLife. They offer sliding discounts, which if we can match a health criteria, they can pretty much drop it a couple of thousand dollars, but it's incumbent on a couple of things. So I need to check with you just in terms of the the type of employee you've got. Do you do anything kind of underground? Yep. Deliver the tunnel. Do you know approximate depth you might go to was a bit of a maximum range? Yep. Yeah. I get you a few pages. Oh, perfect. Because basically what they were saying, 200 meters, they were basically saying if you're ever doing anything that's purely above ground, they can give you a better occupation rating, and then they also offer, like, BMI based discounts. So if you're under a hundred kilos, they give you a standard rate. That's a couple of grand below one one part. And then if you go below 90 kilos, they'll give you a percentage discount on that. And so it's the combination of if you're above ground and hit the BMI figures, we could save a good quarter to a third of the premium down the line. So I'm basically just I've got that in the appendix research just because I wanna keep an eye on it. It's basically just supposed just one part in that life at this point. And if it comes time where 12 time, the duty has changed a bit and we can match the health criteria, I basically wanna pull the trigger on that straight away. So For the time being, we'll keep on past just a little bit of a top up of the IP income protection. And then next review, I'll wait to just go over that again with you and see what it's looking like. Beautiful. Basically, because of top ups and increases, we do have to apply for the increase. So I included a quote to sign off on with the statement of advice, and then I basically just need to get you booked in with Jack to go through the application form when you do have some time. I've got they do have an expiry on it, but I've got we we did a bit of an updated one. I've sent away for an updated one to just keep refreshing it every thirty days because it expires. This one expires on the September 24, which is Thursday after next, but I will have another one received by that point. So, basically, any dates or times that kind of work for you will have one, like, refreshed and ready to go. Do you want me to kind of book something in now or just get the team to sort of reach out next week and and see a traveler? Yep. Cool. I'll put in a bit of a tentative one. And then if we need to, I'll just get Jack to kind of bump it along on the days if it's so. Let me have a quick look there. Perfect. So what I might do is I'll put a bit of a rolling one in for about 2PM on Tuesday, Wednesday, Thursday, and then I'll basically just get the guys to give you a buzz at that time each day. And if it lines up, he can basically just spend that fifteen minutes, update some some health info, occupational info. Beautiful. Again, if there's anything different from the original application, like health wise, they may come back with, you know, loadings and exclusions and price changes and that kind of thing. So just see how you go with it. If it becomes too difficult, just let us know. If it's a good outcome, we'll basically just submit it if there's no changes. If there is anything flagged, they'll probably just book you back in with me to have a quick chat. Beautiful. Alright. So I'll send all that off to you. That's all ready to go, and I've put in that sort of rolling booking for Tuesday, Wednesday, Thursday. Anything else you can think of that I can help out with? And in that space too, so I've been meeting up with all the brokers that we talked to, and we've just been discussing as a group kind of what options are left on the table these days between, you know, commercial property, unit trust, and a few other things. So, basically, if anything really exciting pops up out of that, I'll run it by you as well if I think there's a good option there. But I definitely don't wanna dive in into anything that's gonna get you know, you you start the process and the government changes the rules on you. Don't wanna put you in anything where they can pull the rug out. Cool. Absolutely. I'll put the notes on file so every time I catch up with you, I'll just kind of touch base. And I'll put in basically, I'm gonna put a flag in your account called the the NLI flag, which is like what we did with that contribution form. So come, like, end of May, early June, we'll give you a buzz, see how the contributions look, do a bit of a top up with you, and just go through that form with you. So you should be expecting that kind of yearly yearly phone call. Awesome. Alrighty, Dan. Thank you so much for your time today, mate. And we will probably talk to you Tuesday, Wednesday, Thursday, but have a fantastic weekend. You too. Cheers.","confidence":0.99316406,"words":[{"word":"good","start":4.4,"end":4.64,"confidence":0.9951172,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.3875674903392792},{"word":"day","start":4.64,"end":4.7999997,"confidence":0.98999023,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.34135711193084717},{"word":"dane","start":4.7999997,"end":5.12,"confidence":0.9499512,"punctuated_word":"Dane.","sentiment":"neutral","sentiment_score":0.29044389724731445},{"word":"tommy","start":5.12,"end":5.44,"confidence":0.83935547,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.1890638917684555},{"word":"here","start":5.44,"end":5.7599998,"confidence":0.93481445,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.20785030722618103},{"word":"senior","start":5.7599998,"end":6.08,"confidence":0.9707031,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.17496800422668457},{"word":"adviser","start":6.08,"end":6.48,"confidence":0.9243164,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.17494253814220428},{"word":"from","start":6.48,"end":6.98,"confidence":0.65808105,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.15027301013469696},{"word":"how","start":7.12,"end":7.2799997,"confidence":0.98095703,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.13832436501979828},{"word":"you","start":7.2799997,"end":7.44,"confidence":0.75390625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13143964111804962},{"word":"been","start":7.44,"end":7.94,"confidence":0.89404297,"punctuated_word":"been?","sentiment":"neutral","sentiment_score":0.1347721964120865},{"word":"i'm","start":10.24,"end":10.559999,"confidence":0.9904785,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.607157826423645},{"word":"living","start":10.559999,"end":10.88,"confidence":0.99609375,"punctuated_word":"living","sentiment":"positive","sentiment_score":0.6728151440620422},{"word":"the","start":10.88,"end":11.04,"confidence":0.9863281,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6742544174194336},{"word":"dream","start":11.04,"end":11.36,"confidence":0.99902344,"punctuated_word":"dream.","sentiment":"positive","sentiment_score":0.6412435173988342},{"word":"happy","start":11.36,"end":11.599999,"confidence":1.0,"punctuated_word":"Happy","sentiment":"positive","sentiment_score":0.7438328266143799},{"word":"friday","start":11.599999,"end":12.0,"confidence":1.0,"punctuated_word":"Friday","sentiment":"positive","sentiment_score":0.7225105166435242},{"word":"to","start":12.0,"end":12.16,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6300589442253113},{"word":"you","start":12.16,"end":12.4,"confidence":0.9995117,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.613273024559021},{"word":"sir","start":12.4,"end":12.765,"confidence":0.99609375,"punctuated_word":"sir.","sentiment":"positive","sentiment_score":0.55324786901474},{"word":"no","start":26.125,"end":26.285,"confidence":0.782959,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16024133563041687},{"word":"that's","start":26.285,"end":26.525,"confidence":0.9926758,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.14397218823432922},{"word":"alright","start":26.525,"end":26.845001,"confidence":0.99609375,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.08373348414897919},{"word":"we","start":26.845001,"end":27.345001,"confidence":0.98535156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.14818209409713745},{"word":"we","start":27.96,"end":28.119999,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15765416622161865},{"word":"had","start":28.119999,"end":28.359999,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.17767292261123657},{"word":"a","start":28.359999,"end":28.439999,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1756390631198883},{"word":"bit","start":28.439999,"end":28.6,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17737296223640442},{"word":"of","start":28.6,"end":28.76,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23916371166706085},{"word":"it","start":28.76,"end":29.16,"confidence":0.94970703,"punctuated_word":"IT","sentiment":"neutral","sentiment_score":-0.3123396635055542},{"word":"issues","start":29.16,"end":29.48,"confidence":0.96533203,"punctuated_word":"issues.","sentiment":"neutral","sentiment_score":-0.2301362007856369},{"word":"it","start":29.48,"end":29.64,"confidence":0.99609375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.14429208636283877},{"word":"was","start":29.64,"end":29.8,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1522805392742157},{"word":"kind","start":29.8,"end":30.039999,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1541273593902588},{"word":"of","start":30.039999,"end":30.119999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14871707558631897},{"word":"like","start":30.119999,"end":30.279999,"confidence":0.54345703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.12131036072969437},{"word":"on","start":30.279999,"end":30.439999,"confidence":0.9716797,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13341262936592102},{"word":"and","start":30.439999,"end":30.599998,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16104118525981903},{"word":"off","start":30.599998,"end":30.76,"confidence":0.75,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":-0.1666472852230072},{"word":"so","start":30.76,"end":31.0,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.13512879610061646},{"word":"some","start":31.0,"end":31.16,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.155971959233284},{"word":"of","start":31.16,"end":31.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16971701383590698},{"word":"the","start":31.24,"end":31.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16952680051326752},{"word":"messages","start":31.4,"end":31.88,"confidence":0.9980469,"punctuated_word":"messages","sentiment":"neutral","sentiment_score":-0.16137631237506866},{"word":"weren't","start":31.88,"end":32.12,"confidence":0.98657227,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.16487273573875427},{"word":"going","start":32.12,"end":32.36,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.19394510984420776},{"word":"through","start":32.36,"end":32.76,"confidence":0.98583984,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.1721731424331665},{"word":"so","start":32.76,"end":33.0,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10522913932800292},{"word":"but","start":33.239998,"end":33.48,"confidence":0.93603516,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06549008935689926},{"word":"if","start":33.48,"end":33.64,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05804436653852463},{"word":"you","start":33.64,"end":33.879997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.048582978546619415},{"word":"were","start":33.879997,"end":34.04,"confidence":0.93847656,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.04144794121384621},{"word":"traveling","start":34.04,"end":34.52,"confidence":0.9724121,"punctuated_word":"traveling,","sentiment":"neutral","sentiment_score":-0.06204088777303696},{"word":"i","start":34.52,"end":34.6,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06327507644891739},{"word":"understand","start":34.6,"end":35.079998,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.08826027810573578},{"word":"completely","start":35.079998,"end":35.579998,"confidence":0.91503906,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":-0.08943087607622147},{"word":"no","start":38.52,"end":38.68,"confidence":0.9770508,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.051232799887657166},{"word":"you're","start":38.68,"end":38.92,"confidence":0.9995117,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.11424553394317628},{"word":"all","start":38.92,"end":39.079998,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.22352072596549988},{"word":"good","start":39.079998,"end":39.579998,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1689264476299286},{"word":"for","start":40.36,"end":40.76,"confidence":0.9741211,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.19353412091732025},{"word":"today","start":40.76,"end":41.26,"confidence":0.99902344,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.22423432767391205},{"word":"i've","start":41.64,"end":41.8,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2738977074623108},{"word":"got","start":41.8,"end":42.04,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.23771274089813232},{"word":"this","start":42.04,"end":42.435,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.24765701591968536},{"word":"updated","start":42.675003,"end":43.155003,"confidence":0.9951172,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2505246102809906},{"word":"strategy","start":43.155003,"end":43.635002,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.20208530128002167},{"word":"to","start":43.635002,"end":43.715,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2353868931531906},{"word":"send","start":43.715,"end":44.035,"confidence":0.9951172,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2105814665555954},{"word":"through","start":44.035,"end":44.275,"confidence":0.90283203,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23591099679470065},{"word":"to","start":44.275,"end":44.355,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2337830364704132},{"word":"you","start":44.355,"end":44.755,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18651822209358215},{"word":"will","start":44.755,"end":44.995003,"confidence":0.9790039,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.10029798001050948},{"word":"you","start":44.995003,"end":45.155003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13418889045715332},{"word":"be","start":45.155003,"end":45.315002,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13807067275047302},{"word":"able","start":45.315002,"end":45.395004,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.13952839374542236},{"word":"to","start":45.395004,"end":45.475002,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14798887073993683},{"word":"look","start":45.475002,"end":45.635002,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0951986014842987},{"word":"on","start":45.635002,"end":45.795002,"confidence":0.4975586,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1107240468263626},{"word":"to","start":45.795002,"end":45.955,"confidence":0.82910156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10345285385847092},{"word":"the","start":45.955,"end":46.115,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10087046027183531},{"word":"email","start":46.115,"end":46.435,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.08289674669504166},{"word":"with","start":46.435,"end":46.595,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07632838934659958},{"word":"me","start":46.595,"end":46.835003,"confidence":0.92529297,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.07405632734298706},{"word":"or","start":46.835003,"end":47.075,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09176380932331084},{"word":"should","start":47.075,"end":47.235,"confidence":0.99121094,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.08021298050880432},{"word":"i","start":47.235,"end":47.315002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10912563651800156},{"word":"just","start":47.315002,"end":47.555,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.092837356030941},{"word":"kinda","start":47.555,"end":47.795002,"confidence":0.6777344,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1144360825419426},{"word":"walk","start":47.795002,"end":48.035,"confidence":0.99902344,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.12846006453037262},{"word":"you","start":48.035,"end":48.195,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07980165630578995},{"word":"through","start":48.195,"end":48.355003,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1166171208024025},{"word":"it","start":48.355003,"end":48.855003,"confidence":0.99853516,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.08100425451993942},{"word":"yeah","start":63.61,"end":64.01,"confidence":0.8132324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1193322017788887},{"word":"that's","start":64.01,"end":64.33,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20714150369167328},{"word":"totally","start":64.33,"end":64.83,"confidence":0.9980469,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":0.22496642172336576},{"word":"fine","start":64.89,"end":65.39,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.26467931270599365},{"word":"before","start":65.93,"end":66.25,"confidence":0.7553711,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.1316584050655365},{"word":"i","start":66.25,"end":66.41,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08115673065185547},{"word":"dive","start":66.41,"end":66.65,"confidence":0.9970703,"punctuated_word":"dive","sentiment":"neutral","sentiment_score":0.0936954915523529},{"word":"into","start":66.65,"end":66.89,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06686600297689438},{"word":"it","start":66.89,"end":67.05,"confidence":0.9609375,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.06519924104213715},{"word":"so","start":67.05,"end":67.21,"confidence":0.52490234,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08529846370220184},{"word":"i'll","start":67.21,"end":67.37,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1182641014456749},{"word":"send","start":67.37,"end":67.61,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.09662976115942},{"word":"it","start":67.61,"end":67.770004,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08969089388847351},{"word":"through","start":67.770004,"end":68.01,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09715043008327484},{"word":"now","start":68.01,"end":68.17,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.09463045746088028},{"word":"just","start":68.17,"end":68.41,"confidence":0.9248047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08389647305011749},{"word":"so","start":68.41,"end":68.57,"confidence":0.98828125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0877295732498169},{"word":"you've","start":68.57,"end":68.81,"confidence":0.96435547,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.12067200988531113},{"word":"got","start":68.81,"end":68.97,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11686407029628754},{"word":"it","start":68.97,"end":69.21,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0868389755487442},{"word":"there","start":69.21,"end":69.71,"confidence":0.765625,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0711272731423378},{"word":"and","start":69.93,"end":70.43,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08740530163049698},{"word":"i'll","start":70.81,"end":70.97,"confidence":0.9902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09779880940914154},{"word":"just","start":70.97,"end":71.13,"confidence":0.62646484,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08447661995887756},{"word":"go","start":71.13,"end":71.29,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06359545886516571},{"word":"through","start":71.29,"end":71.53,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06973065435886383},{"word":"a","start":71.53,"end":71.61,"confidence":0.92333984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05699019879102707},{"word":"quick","start":71.61,"end":71.955,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.07128767669200897},{"word":"security","start":72.195,"end":72.675,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.0005409494042396545},{"word":"check","start":72.675,"end":72.915,"confidence":0.9970703,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.0406731478869915},{"word":"with","start":72.915,"end":73.155,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04375217854976654},{"word":"you","start":73.155,"end":73.655,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.03775768354535103},{"word":"can","start":74.355,"end":74.675,"confidence":0.97314453,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.044122062623500824},{"word":"i","start":74.675,"end":74.915,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0579441636800766},{"word":"just","start":74.915,"end":75.235,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05442680045962334},{"word":"get","start":75.235,"end":75.555,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03796132653951645},{"word":"your","start":75.555,"end":76.055,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.029841583222150803},{"word":"date","start":76.355,"end":76.515,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.05601160600781441},{"word":"of","start":76.515,"end":76.675,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05506633222103119},{"word":"birth","start":76.675,"end":76.835,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.04786495864391327},{"word":"and","start":76.835,"end":77.075005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04245465621352196},{"word":"address","start":77.075005,"end":77.575005,"confidence":0.98657227,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.048553697764873505},{"word":"sensational","start":91.29,"end":91.79,"confidence":0.78100586,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.109111487865448},{"word":"thank","start":92.73,"end":92.97,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.42604801058769226},{"word":"you","start":92.97,"end":93.21,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4220803678035736},{"word":"very","start":93.21,"end":93.45,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.4420526921749115},{"word":"much","start":93.45,"end":93.69,"confidence":0.9604492,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.395158588886261},{"word":"and","start":93.69,"end":94.01,"confidence":0.87402344,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.15515953302383423},{"word":"obviously","start":94.01,"end":94.51,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1241627186536789},{"word":"registered","start":94.57,"end":94.97,"confidence":0.73339844,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.1132308542728424},{"word":"with","start":94.97,"end":95.21,"confidence":0.9863281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12212623655796052},{"word":"asic","start":95.21,"end":95.53,"confidence":0.4428711,"punctuated_word":"Asic","sentiment":"neutral","sentiment_score":0.12269339710474014},{"word":"as","start":95.53,"end":95.77,"confidence":0.8574219,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14374954998493197},{"word":"adviser","start":95.77,"end":96.25,"confidence":0.87060547,"punctuated_word":"Adviser","sentiment":"neutral","sentiment_score":0.12359297275543212},{"word":"1273105","start":96.25,"end":98.19,"confidence":0.9336635,"punctuated_word":"1273105.","sentiment":"neutral","sentiment_score":0.13994495570659635},{"word":"and","start":98.33,"end":98.73,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07687679678201675},{"word":"are","start":98.73,"end":98.89,"confidence":0.9453125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06792794167995453},{"word":"you","start":98.89,"end":99.05,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08609136939048767},{"word":"okay","start":99.05,"end":99.29,"confidence":0.99902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.09709368646144868},{"word":"for","start":99.29,"end":99.45,"confidence":0.98095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11231832206249236},{"word":"the","start":99.45,"end":99.61,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12165750563144684},{"word":"call","start":99.61,"end":99.85,"confidence":0.8989258,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.106990247964859},{"word":"to","start":99.85,"end":100.01,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09277234971523284},{"word":"be","start":100.01,"end":100.275,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08667042851448059},{"word":"recorded","start":102.675,"end":103.175,"confidence":0.99194336,"punctuated_word":"recorded?","sentiment":"neutral","sentiment_score":0.10896475613117218},{"word":"beautiful","start":104.355,"end":104.855,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.3224407434463501},{"word":"so","start":104.915,"end":105.415,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14964501559734344},{"word":"when","start":105.795,"end":105.955,"confidence":0.94921875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1384737193584442},{"word":"you","start":105.955,"end":106.115,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13815076649188995},{"word":"get","start":106.115,"end":106.275,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13620153069496155},{"word":"that","start":106.275,"end":106.515,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16227778792381287},{"word":"email","start":106.515,"end":106.915,"confidence":0.9970703,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.14059165120124817},{"word":"it'll","start":106.915,"end":107.235,"confidence":0.96875,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.14091335237026217},{"word":"come","start":107.235,"end":107.475,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.18260003626346588},{"word":"up","start":107.475,"end":107.715004,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17353782057762146},{"word":"with","start":107.715004,"end":108.195,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14161092042922974},{"word":"about","start":108.195,"end":108.515,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13758458197116852},{"word":"six","start":108.515,"end":108.835,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.10982586443424223},{"word":"documents","start":108.835,"end":109.335,"confidence":0.9975586,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.11472636461257936},{"word":"the","start":109.955,"end":110.275,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07990790903568268},{"word":"first","start":110.275,"end":110.515,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.08597364276647568},{"word":"one","start":110.515,"end":110.755005,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10561085492372511},{"word":"will","start":110.755005,"end":110.915,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11102109402418137},{"word":"be","start":110.915,"end":111.075005,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10686366260051729},{"word":"the","start":111.075005,"end":111.235,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11771082878112792},{"word":"statement","start":111.235,"end":111.635,"confidence":0.9941406,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.1473456621170044},{"word":"of","start":111.635,"end":111.795,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.138983815908432},{"word":"advice","start":111.795,"end":112.195,"confidence":0.9838867,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.12655700743198395},{"word":"itself","start":112.195,"end":112.695,"confidence":0.9926758,"punctuated_word":"itself.","sentiment":"neutral","sentiment_score":0.14231565594673157},{"word":"will","start":114.0,"end":114.24,"confidence":0.98095703,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.1080024391412735},{"word":"have","start":114.24,"end":114.4,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.128414124250412},{"word":"an","start":114.4,"end":114.64,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09482774138450624},{"word":"appendix","start":114.64,"end":115.04,"confidence":0.99902344,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.1006232425570488},{"word":"with","start":115.04,"end":115.28,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1125943511724472},{"word":"some","start":115.28,"end":115.52,"confidence":0.98828125,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09548208862543106},{"word":"additional","start":115.52,"end":116.0,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.09903181344270706},{"word":"research","start":116.0,"end":116.4,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.10905921459197998},{"word":"attached","start":116.4,"end":116.9,"confidence":0.99609375,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.12505768239498138},{"word":"and","start":117.36,"end":117.52,"confidence":0.9243164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10919906944036484},{"word":"just","start":117.52,"end":117.84,"confidence":0.9243164,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1024503856897354},{"word":"links","start":117.84,"end":118.16,"confidence":0.6381836,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.0904705375432968},{"word":"to","start":118.16,"end":118.32,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10196823626756668},{"word":"the","start":118.32,"end":118.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08683924376964569},{"word":"investment","start":118.48,"end":118.98,"confidence":0.8864746,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.08403510600328445},{"word":"we've","start":120.16,"end":120.48,"confidence":0.99902344,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.08816342800855637},{"word":"got","start":120.48,"end":120.98,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11144615709781648},{"word":"an","start":121.44,"end":121.76,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0942552089691162},{"word":"insurance","start":121.76,"end":122.26,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.07608512043952942},{"word":"quote","start":122.64,"end":123.14,"confidence":0.9873047,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.07514143735170364},{"word":"for","start":123.36,"end":123.68,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0810164213180542},{"word":"the","start":123.68,"end":124.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05986968427896499},{"word":"income","start":124.0,"end":124.4,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0859040915966034},{"word":"protection","start":124.4,"end":124.9,"confidence":0.99609375,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.07728718221187592},{"word":"and","start":125.84,"end":126.34,"confidence":0.6274414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05434143915772438},{"word":"also","start":127.2,"end":127.6,"confidence":0.8432617,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1227703094482422},{"word":"just","start":127.6,"end":127.76,"confidence":0.9550781,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16141079366207123},{"word":"some","start":127.76,"end":128.0,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12912654876708984},{"word":"updated","start":128.0,"end":128.4,"confidence":0.9970703,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.16462060809135437},{"word":"product","start":128.4,"end":128.8,"confidence":0.99609375,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.14905869960784912},{"word":"documents","start":128.8,"end":129.3,"confidence":0.9980469,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.128256157040596},{"word":"for","start":129.36,"end":129.52,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1864837408065796},{"word":"the","start":129.52,"end":129.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1614961475133896},{"word":"funds","start":129.68,"end":129.945,"confidence":0.8078613,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.15654678642749786},{"word":"they've","start":130.02501,"end":130.345,"confidence":0.9975586,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":0.23775337636470795},{"word":"updated","start":130.345,"end":130.74501,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.17222993075847626},{"word":"their","start":130.74501,"end":130.90501,"confidence":0.9453125,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.2092607170343399},{"word":"pdf","start":130.90501,"end":131.38501,"confidence":0.9248047,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.17410534620285034},{"word":"and","start":131.38501,"end":131.625,"confidence":0.90527344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14412009716033936},{"word":"investment","start":131.625,"end":132.02501,"confidence":0.984375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11745034903287888},{"word":"menu","start":132.02501,"end":132.26501,"confidence":0.9790039,"punctuated_word":"menu","sentiment":"neutral","sentiment_score":0.1930074542760849},{"word":"and","start":132.26501,"end":132.425,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2220063209533691},{"word":"everything","start":132.425,"end":132.66501,"confidence":0.86083984,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.1576336920261383},{"word":"and","start":132.66501,"end":132.82501,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17158737778663635},{"word":"so","start":132.82501,"end":132.985,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1787106692790985},{"word":"we","start":132.985,"end":133.145,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21481478214263916},{"word":"just","start":133.145,"end":133.30501,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25043997168540955},{"word":"wanted","start":133.30501,"end":133.54501,"confidence":0.49414062,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.23919546604156497},{"word":"to","start":133.54501,"end":133.625,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23174846172332764},{"word":"send","start":133.625,"end":133.785,"confidence":0.9980469,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.21781690418720245},{"word":"that","start":133.785,"end":134.02501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27478769421577454},{"word":"through","start":134.02501,"end":134.26501,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.208323135972023},{"word":"to","start":134.26501,"end":134.425,"confidence":0.8618164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23451699316501615},{"word":"your","start":134.425,"end":134.585,"confidence":0.96533203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2136547565460205},{"word":"records","start":134.585,"end":135.085,"confidence":0.90844727,"punctuated_word":"records.","sentiment":"neutral","sentiment_score":0.16276371479034424},{"word":"now","start":138.585,"end":139.065,"confidence":0.38793945,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1565420925617218},{"word":"in","start":139.065,"end":139.225,"confidence":0.9277344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10739487409591676},{"word":"terms","start":139.225,"end":139.625,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.08373098820447922},{"word":"of","start":139.625,"end":140.125,"confidence":0.8046875,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.13492809236049652},{"word":"i","start":140.425,"end":140.585,"confidence":0.85839844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10434418171644212},{"word":"guess","start":140.585,"end":140.82501,"confidence":0.9609375,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.10526211559772491},{"word":"the","start":140.82501,"end":140.985,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1092149168252945},{"word":"starting","start":140.985,"end":141.30501,"confidence":0.9970703,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.07969935238361359},{"word":"point","start":141.30501,"end":141.625,"confidence":0.98828125,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.09223786741495132},{"word":"is","start":141.625,"end":141.705,"confidence":0.7866211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10694202035665512},{"word":"the","start":141.705,"end":141.96,"confidence":0.48388672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1418483853340149},{"word":"scope","start":142.04001,"end":142.36,"confidence":0.9970703,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.10433609038591383},{"word":"of","start":142.36,"end":142.44,"confidence":0.96533203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1405058205127716},{"word":"the","start":142.44,"end":142.52,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15623879432678223},{"word":"advice","start":142.52,"end":142.92001,"confidence":0.9716797,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1011773720383644},{"word":"the","start":142.92001,"end":143.08,"confidence":0.82910156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12464173138141632},{"word":"document","start":143.08,"end":143.58,"confidence":0.9941406,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.108005553483963},{"word":"covers","start":143.64,"end":144.14,"confidence":0.92993164,"punctuated_word":"covers.","sentiment":"neutral","sentiment_score":0.09895850718021391},{"word":"we","start":144.44,"end":144.6,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08340238034725189},{"word":"were","start":144.6,"end":144.84001,"confidence":0.97509766,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.08242876082658768},{"word":"talking","start":144.84001,"end":145.24,"confidence":0.99609375,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.09931457787752151},{"word":"about","start":145.24,"end":145.64,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1053892970085144},{"word":"just","start":145.64,"end":145.88,"confidence":0.7626953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12131647765636444},{"word":"reviewing","start":145.88,"end":146.28,"confidence":0.9980469,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.09120258688926695},{"word":"the","start":146.28,"end":146.44,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1273762285709381},{"word":"investments","start":146.44,"end":146.92001,"confidence":0.89453125,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.07107730954885483},{"word":"inside","start":146.92001,"end":147.40001,"confidence":0.9863281,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.1349208950996399},{"word":"the","start":147.40001,"end":147.56001,"confidence":0.86328125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14303143322467804},{"word":"super","start":147.56001,"end":147.8,"confidence":0.50634766,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17220960557460785},{"word":"and","start":147.8,"end":148.3,"confidence":0.69873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11761130392551422},{"word":"a","start":149.08,"end":149.24,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12009821832180025},{"word":"little","start":149.24,"end":149.40001,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09207427501678468},{"word":"bit","start":149.40001,"end":149.64,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09875959157943726},{"word":"of","start":149.64,"end":149.72,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10842816531658173},{"word":"a","start":149.72,"end":149.88,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11997153609991074},{"word":"review","start":149.88,"end":150.38,"confidence":0.9902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06770677119493484},{"word":"on","start":150.6,"end":151.1,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10426482558250429},{"word":"topping","start":151.32,"end":151.72,"confidence":0.9863281,"punctuated_word":"topping","sentiment":"neutral","sentiment_score":0.15909115970134735},{"word":"up","start":151.72,"end":151.88,"confidence":0.984375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16173885762691498},{"word":"the","start":151.88,"end":152.04001,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1459757685661316},{"word":"income","start":152.04001,"end":152.36,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1090962365269661},{"word":"protection","start":152.36,"end":152.84001,"confidence":0.74902344,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.10895919799804688},{"word":"if","start":152.84001,"end":153.0,"confidence":0.97265625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15078604221343994},{"word":"that","start":153.0,"end":153.16,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11510641872882844},{"word":"rings","start":153.16,"end":153.40001,"confidence":0.9941406,"punctuated_word":"rings","sentiment":"neutral","sentiment_score":0.09171539545059204},{"word":"a","start":153.40001,"end":153.56001,"confidence":0.9375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12197451293468475},{"word":"bell","start":153.56001,"end":154.06001,"confidence":0.9453125,"punctuated_word":"bell.","sentiment":"neutral","sentiment_score":0.1067127287387848},{"word":"cool","start":156.68001,"end":156.945,"confidence":0.8466797,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5625353455543518},{"word":"we","start":158.065,"end":158.30501,"confidence":0.9770508,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.36684685945510864},{"word":"did","start":158.30501,"end":158.54501,"confidence":0.99902344,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.35700899362564087},{"word":"have","start":158.54501,"end":158.625,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3777366280555725},{"word":"a","start":158.625,"end":158.705,"confidence":0.9838867,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.37137117981910706},{"word":"look","start":158.705,"end":158.865,"confidence":0.8745117,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2508036494255066},{"word":"at","start":158.865,"end":159.02501,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2914644181728363},{"word":"the","start":159.02501,"end":159.18501,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3022623360157013},{"word":"contribution","start":159.18501,"end":159.68501,"confidence":0.5229492,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.26665180921554565},{"word":"too","start":160.145,"end":160.625,"confidence":0.90234375,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.31868043541908264},{"word":"and","start":160.625,"end":160.945,"confidence":0.8745117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2275221347808838},{"word":"a","start":160.945,"end":161.02501,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2539520859718323},{"word":"couple","start":161.02501,"end":161.345,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2204621434211731},{"word":"of","start":161.345,"end":161.505,"confidence":0.77978516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21316155791282657},{"word":"reminders","start":161.505,"end":161.985,"confidence":0.99902344,"punctuated_word":"reminders","sentiment":"neutral","sentiment_score":0.2148696780204773},{"word":"there","start":161.985,"end":162.485,"confidence":0.97802734,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.27009451389312744},{"word":"just","start":163.02501,"end":163.26501,"confidence":0.87060547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23540228605270383},{"word":"in","start":163.26501,"end":163.505,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20713989436626432},{"word":"terms","start":163.505,"end":164.005,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.2061340808868408},{"word":"of","start":164.145,"end":164.30501,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20379167795181272},{"word":"just","start":164.30501,"end":164.46501,"confidence":0.41271973,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.19381794333457947},{"word":"like","start":164.46501,"end":164.705,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.22342276573181152},{"word":"planning","start":164.705,"end":165.205,"confidence":0.7397461,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.2437775731086731},{"word":"just","start":165.345,"end":165.585,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2360350638628006},{"word":"to","start":165.585,"end":165.74501,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2310248911380768},{"word":"make","start":165.74501,"end":165.90501,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17264129221439362},{"word":"sure","start":165.90501,"end":166.40501,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.21155290305614471},{"word":"get","start":166.625,"end":166.865,"confidence":0.36206055,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2495928406715393},{"word":"a","start":166.865,"end":166.945,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2953575849533081},{"word":"will","start":166.945,"end":167.18501,"confidence":0.97314453,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2878511846065521},{"word":"and","start":167.18501,"end":167.425,"confidence":0.9316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24571625888347623},{"word":"power","start":167.425,"end":167.66501,"confidence":0.7915039,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.21729901432991028},{"word":"of","start":167.66501,"end":167.82501,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2259660363197327},{"word":"attorney","start":167.82501,"end":168.145,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.17625081539154053},{"word":"and","start":168.145,"end":168.30501,"confidence":0.94628906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2116253525018692},{"word":"all","start":168.30501,"end":168.46501,"confidence":0.99316406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1815904974937439},{"word":"that","start":168.46501,"end":168.625,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18297167122364044},{"word":"kind","start":168.625,"end":168.785,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1146288737654686},{"word":"of","start":168.785,"end":168.865,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16133993864059448},{"word":"thing","start":168.865,"end":169.18501,"confidence":0.99121094,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2107332348823547},{"word":"put","start":169.18501,"end":169.425,"confidence":0.99121094,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.24085961282253265},{"word":"in","start":169.425,"end":169.585,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21949660778045657},{"word":"place","start":169.585,"end":170.085,"confidence":0.8547363,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.18413865566253665},{"word":"but","start":170.46501,"end":170.625,"confidence":0.9760742,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.012104589492082596},{"word":"there's","start":170.625,"end":170.945,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.04171246290206909},{"word":"no","start":170.945,"end":171.10501,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.13504290580749512},{"word":"advice","start":171.10501,"end":171.585,"confidence":0.9614258,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.13565237820148468},{"word":"in","start":171.585,"end":171.82501,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18306168913841248},{"word":"here","start":171.82501,"end":172.225,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.13222160935401917},{"word":"about","start":172.225,"end":172.725,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.23745648562908173},{"word":"trauma","start":173.69,"end":174.09,"confidence":0.9091797,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.2588355541229248},{"word":"insurance","start":174.09,"end":174.59,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.19910012185573575},{"word":"or","start":175.05,"end":175.29,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.25487828254699707},{"word":"anything","start":175.29,"end":175.61,"confidence":0.99121094,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.14948728680610657},{"word":"to","start":175.61,"end":175.77,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1700640618801117},{"word":"do","start":175.77,"end":175.93,"confidence":0.97265625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12565816938877106},{"word":"with","start":175.93,"end":176.09,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14036808907985687},{"word":"cash","start":176.09,"end":176.41,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.09884276986122131},{"word":"flow","start":176.41,"end":176.73,"confidence":0.9428711,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":-0.02660277485847473},{"word":"or","start":176.73,"end":176.89,"confidence":0.54296875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.15222609043121338},{"word":"debt","start":176.89,"end":177.13,"confidence":0.99609375,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.1517382711172104},{"word":"management","start":177.13,"end":177.63,"confidence":1.0,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.09600231051445007},{"word":"because","start":178.33,"end":178.65,"confidence":0.67578125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09977273643016817},{"word":"you're","start":178.65,"end":178.89,"confidence":0.93603516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06047866865992546},{"word":"kind","start":178.89,"end":179.05,"confidence":0.8574219,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0430741086602211},{"word":"of","start":179.05,"end":179.13,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04060470312833786},{"word":"handling","start":179.13,"end":179.61,"confidence":0.9375,"punctuated_word":"handling","sentiment":"neutral","sentiment_score":-0.03478916734457016},{"word":"all","start":179.61,"end":179.77,"confidence":0.98535156,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.02300737053155899},{"word":"that","start":179.77,"end":179.93,"confidence":0.83251953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02108389139175415},{"word":"yourself","start":179.93,"end":180.41,"confidence":0.9716797,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.03564739227294922},{"word":"in","start":180.41,"end":180.56999,"confidence":0.97509766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0006106570363044739},{"word":"terms","start":180.56999,"end":181.05,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04966621845960617},{"word":"of","start":181.05,"end":181.37,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029453374445438385},{"word":"savings","start":181.37,"end":181.85,"confidence":0.9741211,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.026393547654151917},{"word":"and","start":181.85,"end":182.09,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06001957505941391},{"word":"renos","start":182.09,"end":182.49,"confidence":0.7319336,"punctuated_word":"renos","sentiment":"neutral","sentiment_score":0.000365143030649051},{"word":"and","start":182.49,"end":182.73,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04564856365323067},{"word":"things","start":182.73,"end":182.97,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.04992690682411194},{"word":"like","start":182.97,"end":183.13,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04001615196466446},{"word":"that","start":183.13,"end":183.63,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.014805041253566742},{"word":"beautiful","start":186.33,"end":186.83,"confidence":0.98706055,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6400895118713379},{"word":"first","start":187.77501,"end":187.93501,"confidence":0.9316406,"punctuated_word":"First","sentiment":"positive","sentiment_score":0.3814717829227447},{"word":"thing","start":187.93501,"end":188.175,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.35987183451652527},{"word":"i'd","start":188.175,"end":188.335,"confidence":0.64294434,"punctuated_word":"I'd","sentiment":"positive","sentiment_score":0.35358890891075134},{"word":"like","start":188.335,"end":188.41501,"confidence":0.99609375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.3013363480567932},{"word":"to","start":188.41501,"end":188.49501,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22954122722148895},{"word":"sort","start":188.49501,"end":188.615,"confidence":0.83203125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2036253809928894},{"word":"of","start":188.615,"end":188.735,"confidence":0.8935547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2067137509584427},{"word":"start","start":188.735,"end":188.895,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1920395791530609},{"word":"with","start":188.895,"end":189.05501,"confidence":0.6890869,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.2499525249004364},{"word":"so","start":189.05501,"end":189.21501,"confidence":0.8076172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25791898369789124},{"word":"we've","start":189.21501,"end":189.29501,"confidence":0.7915039,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2525672912597656},{"word":"got","start":189.29501,"end":189.455,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.28784313797950745},{"word":"all","start":189.455,"end":189.535,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2604296803474426},{"word":"your","start":189.535,"end":189.77501,"confidence":0.97509766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2436378598213196},{"word":"details","start":189.77501,"end":190.175,"confidence":0.9980469,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.25849649310112},{"word":"in","start":190.175,"end":190.255,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.343978613615036},{"word":"there","start":190.255,"end":190.57501,"confidence":0.8491211,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.29577910900115967},{"word":"assets","start":190.57501,"end":191.05501,"confidence":0.96655273,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.19374053180217743},{"word":"liabilities","start":191.05501,"end":191.55501,"confidence":0.9506836,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.15886154770851135},{"word":"goals","start":191.77501,"end":192.095,"confidence":0.89624023,"punctuated_word":"goals,","sentiment":"neutral","sentiment_score":0.1730841100215912},{"word":"and","start":192.095,"end":192.335,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18609361350536344},{"word":"everything","start":192.335,"end":192.835,"confidence":0.96875,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.1741335690021515},{"word":"we're","start":193.05501,"end":193.375,"confidence":0.9951172,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.22830092906951904},{"word":"sticking","start":193.375,"end":193.77501,"confidence":0.9951172,"punctuated_word":"sticking","sentiment":"neutral","sentiment_score":0.22919203341007233},{"word":"to","start":193.77501,"end":193.93501,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32098355889320374},{"word":"that","start":193.93501,"end":194.255,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2836892604827881},{"word":"growth","start":194.255,"end":194.655,"confidence":0.97314453,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.15844805538654327},{"word":"risk","start":194.655,"end":194.895,"confidence":0.9550781,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.13738460838794708},{"word":"profile","start":194.895,"end":195.375,"confidence":0.73547363,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.2333029955625534},{"word":"like","start":195.375,"end":195.615,"confidence":0.9921875,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.33893826603889465},{"word":"we've","start":195.615,"end":195.85501,"confidence":0.8190918,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.20712414383888245},{"word":"said","start":195.85501,"end":196.175,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.1882062554359436},{"word":"last","start":196.175,"end":196.41501,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1866278201341629},{"word":"time","start":196.41501,"end":196.91501,"confidence":0.79907227,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.18634849786758423},{"word":"just","start":197.13501,"end":197.535,"confidence":0.9277344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19434025883674624},{"word":"and","start":197.535,"end":197.695,"confidence":0.19506836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14589858055114746},{"word":"ensure","start":197.695,"end":198.175,"confidence":0.328125,"punctuated_word":"ensure","sentiment":"neutral","sentiment_score":0.17574988305568695},{"word":"enough","start":198.175,"end":198.49501,"confidence":0.9194336,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.19947469234466553},{"word":"on","start":198.49501,"end":198.655,"confidence":0.9589844,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22368548810482025},{"word":"the","start":198.655,"end":198.815,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2133183777332306},{"word":"underlying","start":198.815,"end":199.315,"confidence":1.0,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.2058162093162537},{"word":"investment","start":199.48001,"end":199.98001,"confidence":0.86987305,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.10328637063503264},{"word":"now","start":202.68001,"end":203.08,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2153106778860092},{"word":"when","start":203.08,"end":203.40001,"confidence":0.9350586,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.21497304737567904},{"word":"i","start":203.40001,"end":203.56001,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22826087474823},{"word":"look","start":203.56001,"end":203.72,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1938139945268631},{"word":"at","start":203.72,"end":203.8,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20171089470386505},{"word":"the","start":203.8,"end":203.96,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19189810752868652},{"word":"figures","start":203.96,"end":204.36,"confidence":0.97314453,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.1644735336303711},{"word":"there","start":204.36,"end":204.52,"confidence":0.9238281,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.18789808452129364},{"word":"so","start":204.52,"end":204.68001,"confidence":0.9633789,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2324056178331375},{"word":"what","start":204.68001,"end":204.84001,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23856738209724423},{"word":"you'll","start":204.84001,"end":205.08,"confidence":0.94873047,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.23207998275756836},{"word":"see","start":205.08,"end":205.32,"confidence":0.9694824,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.2527201771736145},{"word":"you'll","start":205.32,"end":205.48001,"confidence":0.99853516,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.26477015018463135},{"word":"see","start":205.48001,"end":205.72,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2930018901824951},{"word":"a","start":205.72,"end":205.8,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2641700506210327},{"word":"fee","start":205.8,"end":206.12001,"confidence":0.9160156,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.2230172902345657},{"word":"comparison","start":206.12001,"end":206.62001,"confidence":0.9980469,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.20219828188419345},{"word":"table","start":206.76001,"end":207.26001,"confidence":0.99121094,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.24645161628723145},{"word":"we","start":208.20001,"end":208.52,"confidence":0.9277344,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.44624990224838257},{"word":"managed","start":208.52,"end":208.84001,"confidence":0.82910156,"punctuated_word":"managed","sentiment":"positive","sentiment_score":0.513963520526886},{"word":"to","start":208.84001,"end":209.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4911974668502808},{"word":"kind","start":209.0,"end":209.24,"confidence":0.96240234,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.40591832995414734},{"word":"of","start":209.24,"end":209.32,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4939377009868622},{"word":"drop","start":209.32,"end":209.64001,"confidence":0.99609375,"punctuated_word":"drop","sentiment":"positive","sentiment_score":0.3785494863986969},{"word":"the","start":209.64001,"end":209.72,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4738415479660034},{"word":"investment","start":209.72,"end":210.22,"confidence":0.99121094,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14177143573760986},{"word":"fees","start":210.28001,"end":210.6,"confidence":0.85058594,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.32803958654403687},{"word":"by","start":210.6,"end":210.76001,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.3036528527736664},{"word":"about","start":210.76001,"end":211.16,"confidence":0.9863281,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2926217317581177},{"word":"20%","start":211.16,"end":211.98001,"confidence":0.99853516,"punctuated_word":"20%","sentiment":"positive","sentiment_score":0.45342206954956055},{"word":"and","start":212.28001,"end":212.52,"confidence":0.82958984,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3486478924751282},{"word":"then","start":212.52,"end":212.76001,"confidence":0.9951172,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.34831702709198},{"word":"bump","start":212.76001,"end":213.08,"confidence":0.9580078,"punctuated_word":"bump","sentiment":"positive","sentiment_score":0.4427799582481384},{"word":"the","start":213.08,"end":213.24,"confidence":0.9873047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4705365598201752},{"word":"returns","start":213.24,"end":213.74,"confidence":0.9951172,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.4282161295413971},{"word":"up","start":214.815,"end":214.89499,"confidence":0.9223633,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4578750431537628},{"word":"from","start":214.89499,"end":215.055,"confidence":0.99316406,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.41114622354507446},{"word":"an","start":215.055,"end":215.295,"confidence":0.8618164,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.43570464849472046},{"word":"average","start":215.295,"end":215.69499,"confidence":0.9902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.3241136372089386},{"word":"five","start":215.69499,"end":215.935,"confidence":0.9921875,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.3505794405937195},{"word":"year","start":215.935,"end":216.25499,"confidence":0.99609375,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.36128857731819153},{"word":"return","start":216.25499,"end":216.655,"confidence":0.99121094,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.4266104996204376},{"word":"from","start":216.655,"end":216.89499,"confidence":0.9770508,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.33827972412109375},{"word":"about","start":216.89499,"end":217.39499,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.30489104986190796},{"word":"eight","start":217.69499,"end":217.935,"confidence":0.9980469,"punctuated_word":"eight","sentiment":"positive","sentiment_score":0.4610017538070678},{"word":"and","start":217.935,"end":218.015,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2943243980407715},{"word":"a","start":218.015,"end":218.17499,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36785000562667847},{"word":"half","start":218.17499,"end":218.415,"confidence":1.0,"punctuated_word":"half","sentiment":"positive","sentiment_score":0.3650916516780853},{"word":"to","start":218.415,"end":218.575,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33397191762924194},{"word":"about","start":218.575,"end":218.815,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.27281099557876587},{"word":"10","start":218.815,"end":219.055,"confidence":1.0,"punctuated_word":"10","sentiment":"positive","sentiment_score":0.4088660776615143},{"word":"and","start":219.055,"end":219.135,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23465190827846527},{"word":"a","start":219.135,"end":219.215,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3115265965461731},{"word":"half","start":219.215,"end":219.715,"confidence":0.9753418,"punctuated_word":"half,","sentiment":"positive","sentiment_score":0.340573251247406},{"word":"which","start":219.775,"end":220.275,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4211949110031128},{"word":"is","start":220.33499,"end":220.575,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.394911676645279},{"word":"kind","start":220.575,"end":220.735,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4197365343570709},{"word":"of","start":220.735,"end":220.89499,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.43213021755218506},{"word":"above","start":220.89499,"end":221.215,"confidence":0.9892578,"punctuated_word":"above","sentiment":"positive","sentiment_score":0.5479194521903992},{"word":"that","start":221.215,"end":221.61499,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4727365374565125},{"word":"nine","start":221.61499,"end":222.11499,"confidence":0.9970703,"punctuated_word":"nine","sentiment":"positive","sentiment_score":0.35466036200523376},{"word":"benchmark","start":222.17499,"end":222.67499,"confidence":0.6503906,"punctuated_word":"benchmark","sentiment":"neutral","sentiment_score":0.33297014236450195},{"word":"that","start":222.735,"end":222.89499,"confidence":0.9951172,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.49515360593795776},{"word":"we're","start":222.89499,"end":223.135,"confidence":0.9597168,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4391519427299499},{"word":"aiming","start":223.135,"end":223.61499,"confidence":0.9633789,"punctuated_word":"aiming","sentiment":"positive","sentiment_score":0.3733628988265991},{"word":"for","start":223.61499,"end":224.11499,"confidence":0.99902344,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.28819572925567627},{"word":"now","start":226.655,"end":226.97499,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2696908712387085},{"word":"there's","start":226.97499,"end":227.295,"confidence":0.9904785,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.23146402835845947},{"word":"no","start":227.295,"end":227.795,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1397571563720703},{"word":"capital","start":228.85,"end":229.17,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.20669740438461304},{"word":"gains","start":229.17,"end":229.57,"confidence":0.93603516,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.08969643712043762},{"word":"tax","start":229.57,"end":230.05,"confidence":0.9892578,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.01015309989452362},{"word":"for","start":230.05,"end":230.29001,"confidence":0.90527344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04650443792343139},{"word":"the","start":230.29001,"end":230.45,"confidence":0.9404297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09094227105379105},{"word":"slipper","start":230.45,"end":230.93001,"confidence":0.34265137,"punctuated_word":"slipper","sentiment":"neutral","sentiment_score":0.05587353557348251},{"word":"to","start":230.93001,"end":231.09,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12176741659641266},{"word":"pay","start":231.09,"end":231.59,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.060953229665756226},{"word":"because","start":231.73,"end":232.23,"confidence":0.8935547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1643776297569275},{"word":"all","start":232.29001,"end":232.53,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2259909212589264},{"word":"the","start":232.53,"end":232.69,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1618567407131195},{"word":"investments","start":232.69,"end":233.19,"confidence":0.8911133,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.039329059422016144},{"word":"kind","start":233.25,"end":233.49,"confidence":0.9223633,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11660870909690856},{"word":"of","start":233.49,"end":233.65001,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1413283497095108},{"word":"even","start":233.65001,"end":233.97,"confidence":0.6464844,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.24935980141162872},{"word":"each","start":233.97,"end":234.13,"confidence":0.9941406,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.1342095136642456},{"word":"other","start":234.13,"end":234.37,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.14194366335868835},{"word":"out","start":234.37,"end":234.69,"confidence":0.9892578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1169646605849266},{"word":"when","start":234.69,"end":235.01001,"confidence":0.87353516,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13046327233314514},{"word":"we","start":235.01001,"end":235.17,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14907518029212952},{"word":"switch","start":235.17,"end":235.41,"confidence":0.83203125,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.11195805668830872},{"word":"them","start":235.41,"end":235.65001,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.10920400172472},{"word":"around","start":235.65001,"end":236.15001,"confidence":0.87109375,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":0.11674001067876816},{"word":"and","start":236.93001,"end":237.17,"confidence":0.96240234,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2021304816007614},{"word":"i","start":237.17,"end":237.33,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23591162264347076},{"word":"have","start":237.33,"end":237.57,"confidence":0.97265625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25392505526542664},{"word":"included","start":237.57,"end":238.05,"confidence":0.9873047,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.236239492893219},{"word":"in","start":238.05,"end":238.21,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19481828808784485},{"word":"there","start":238.21,"end":238.71,"confidence":0.81396484,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2362917959690094},{"word":"the","start":239.57,"end":239.81,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2468077838420868},{"word":"insurance","start":239.81,"end":240.31,"confidence":0.9970703,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.1384219378232956},{"word":"premium","start":240.53,"end":241.01001,"confidence":0.5053711,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.15854215621948242},{"word":"just","start":241.01001,"end":241.25,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24327285587787628},{"word":"for","start":241.25,"end":241.41,"confidence":0.9375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19194214046001432},{"word":"the","start":241.41,"end":241.57,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2070769369602203},{"word":"updated","start":241.57,"end":242.07,"confidence":0.97265625,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.19754192233085632},{"word":"projections","start":242.24501,"end":242.565,"confidence":0.9248047,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.22385090589523315},{"word":"as","start":242.565,"end":243.065,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2733539938926697},{"word":"well","start":243.125,"end":243.625,"confidence":0.98950195,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2047664374113083},{"word":"we're","start":243.68501,"end":244.005,"confidence":0.9975586,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1793777346611023},{"word":"looking","start":244.005,"end":244.505,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.18615353107452393},{"word":"at","start":246.16501,"end":246.32501,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1578236222267151},{"word":"round","start":246.32501,"end":246.645,"confidence":0.82177734,"punctuated_word":"round","sentiment":"neutral","sentiment_score":0.15415233373641968},{"word":"figures","start":246.645,"end":247.145,"confidence":0.9970703,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.22476737201213837},{"word":"going","start":247.445,"end":247.765,"confidence":0.9892578,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.26086050271987915},{"word":"from","start":247.765,"end":248.085,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.21009314060211184},{"word":"about","start":248.085,"end":248.405,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14612987637519836},{"word":"600,000","start":248.405,"end":249.445,"confidence":1.0,"punctuated_word":"600,000","sentiment":"neutral","sentiment_score":0.17314696311950684},{"word":"in","start":249.445,"end":249.60501,"confidence":0.9658203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1421223282814026},{"word":"ten","start":249.60501,"end":249.845,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.17126698791980743},{"word":"years","start":249.845,"end":250.16501,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.15755727887153623},{"word":"to","start":250.16501,"end":250.32501,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15888506174087524},{"word":"about","start":250.32501,"end":250.645,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1570035070180893},{"word":"$7.35","start":250.645,"end":251.785,"confidence":0.9941406,"punctuated_word":"$7.35.","sentiment":"neutral","sentiment_score":0.13051658868789673},{"word":"obviously","start":252.16501,"end":252.565,"confidence":0.9626465,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.0037604770623147488},{"word":"take","start":252.565,"end":252.80501,"confidence":0.96435547,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.07409408688545227},{"word":"that","start":252.80501,"end":252.96501,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016994595527648926},{"word":"with","start":252.96501,"end":253.125,"confidence":0.97998047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12992742657661438},{"word":"a","start":253.125,"end":253.205,"confidence":0.95166016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08949141204357147},{"word":"grain","start":253.205,"end":253.445,"confidence":0.99316406,"punctuated_word":"grain","sentiment":"neutral","sentiment_score":-0.1998351514339447},{"word":"of","start":253.445,"end":253.60501,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14156977832317352},{"word":"salt","start":253.60501,"end":253.845,"confidence":0.9980469,"punctuated_word":"salt","sentiment":"neutral","sentiment_score":-0.17182119190692902},{"word":"because","start":253.845,"end":254.085,"confidence":0.86572266,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11732498556375504},{"word":"the","start":254.085,"end":254.24501,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11187371611595154},{"word":"market","start":254.24501,"end":254.565,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.07813777029514313},{"word":"goes","start":254.565,"end":254.80501,"confidence":0.9892578,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.1428491622209549},{"word":"up","start":254.80501,"end":254.96501,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.11671005189418791},{"word":"and","start":254.96501,"end":255.04501,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17600317299365997},{"word":"down","start":255.04501,"end":255.365,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1336197555065155},{"word":"like","start":255.365,"end":255.52501,"confidence":0.95166016,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1983019858598709},{"word":"a","start":255.52501,"end":255.60501,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19724468886852264},{"word":"yoyo","start":255.60501,"end":256.105,"confidence":0.8652344,"punctuated_word":"yoyo,","sentiment":"neutral","sentiment_score":-0.10981591790914536},{"word":"but","start":256.245,"end":256.48502,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.005568712949752808},{"word":"you","start":256.48502,"end":256.64502,"confidence":0.8989258,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0858025848865509},{"word":"should","start":256.64502,"end":256.885,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.182552769780159},{"word":"be","start":256.885,"end":257.045,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19098231196403503},{"word":"about","start":257.045,"end":257.36502,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03138992190361023},{"word":"a","start":257.36502,"end":257.445,"confidence":0.8642578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15366721153259277},{"word":"$100","start":257.445,"end":258.06,"confidence":0.99121094,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.22016993165016177},{"word":"better","start":258.13998,"end":258.38,"confidence":0.9941406,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.16965913772583008},{"word":"off","start":258.38,"end":258.54,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.23888641595840457},{"word":"from","start":258.54,"end":258.78,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.09749753773212431},{"word":"the","start":258.78,"end":259.02,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08857865631580353},{"word":"investment","start":259.02,"end":259.34,"confidence":0.9770508,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.02344729006290436},{"word":"switch","start":259.34,"end":259.84,"confidence":0.98706055,"punctuated_word":"switch.","sentiment":"neutral","sentiment_score":0.101506769657135},{"word":"outside","start":264.13998,"end":264.62,"confidence":0.93115234,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":-0.10230472683906557},{"word":"of","start":264.62,"end":264.78,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09693481028079988},{"word":"that","start":264.78,"end":265.28,"confidence":0.873291,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07629554718732834},{"word":"so","start":265.34,"end":265.66,"confidence":0.9472656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03394137695431709},{"word":"in","start":265.66,"end":265.82,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.027979236096143723},{"word":"terms","start":265.82,"end":266.13998,"confidence":0.9980469,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.014617525041103365},{"word":"of","start":266.13998,"end":266.22,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.016636595129966736},{"word":"the","start":266.22,"end":266.38,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009555786848068236},{"word":"main","start":266.38,"end":266.62,"confidence":0.9970703,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.009852051734924316},{"word":"switches","start":266.62,"end":267.12,"confidence":0.9897461,"punctuated_word":"switches,","sentiment":"neutral","sentiment_score":-0.004791459068655968},{"word":"i","start":267.41998,"end":267.58,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.042793139815330505},{"word":"have","start":267.58,"end":267.9,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.036988385021686554},{"word":"decided","start":267.9,"end":268.38,"confidence":0.9970703,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":-0.01685483753681183},{"word":"to","start":268.38,"end":268.62,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04793749004602432},{"word":"switch","start":268.62,"end":268.86,"confidence":0.99316406,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.03429734706878662},{"word":"out","start":268.86,"end":269.36,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1229204386472702},{"word":"a","start":269.58,"end":269.7,"confidence":0.8613281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04660267382860184},{"word":"a","start":269.7,"end":269.82,"confidence":0.7993164,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.036294568330049515},{"word":"number","start":269.82,"end":270.06,"confidence":0.82177734,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.07188241183757782},{"word":"of","start":270.06,"end":270.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06830905377864838},{"word":"investments","start":270.3,"end":270.8,"confidence":0.9428711,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.08804874122142792},{"word":"just","start":270.94,"end":271.095,"confidence":0.8798828,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01621764525771141},{"word":"because","start":271.335,"end":271.835,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04906302317976952},{"word":"the","start":272.295,"end":272.375,"confidence":0.87353516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05214386433362961},{"word":"when","start":272.455,"end":272.695,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.057243481278419495},{"word":"the","start":272.695,"end":272.775,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05460360273718834},{"word":"government","start":272.775,"end":273.175,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.08055633306503296},{"word":"brought","start":273.175,"end":273.415,"confidence":0.99316406,"punctuated_word":"brought","sentiment":"neutral","sentiment_score":-0.104450985789299},{"word":"in","start":273.415,"end":273.575,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06675936281681061},{"word":"that","start":273.575,"end":273.815,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1000835746526718},{"word":"legislation","start":273.815,"end":274.315,"confidence":0.9980469,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.11946728825569151},{"word":"to","start":275.015,"end":275.175,"confidence":0.46240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08969999849796295},{"word":"capital","start":275.175,"end":275.655,"confidence":0.8989258,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.18090881407260895},{"word":"gains","start":275.655,"end":275.975,"confidence":0.97802734,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.08227677643299103},{"word":"and","start":275.975,"end":276.135,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2730122208595276},{"word":"negative","start":276.135,"end":276.615,"confidence":0.9838867,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.4218558371067047},{"word":"gearing","start":276.615,"end":277.115,"confidence":0.9453125,"punctuated_word":"gearing,","sentiment":"negative","sentiment_score":-0.5023412108421326},{"word":"it","start":277.495,"end":277.655,"confidence":0.9633789,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.533265233039856},{"word":"caused","start":277.655,"end":277.975,"confidence":0.5522461,"punctuated_word":"caused","sentiment":"negative","sentiment_score":-0.4796778857707978},{"word":"a","start":277.975,"end":278.055,"confidence":0.9838867,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5154020190238953},{"word":"lot","start":278.055,"end":278.215,"confidence":1.0,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.4940222501754761},{"word":"of","start":278.215,"end":278.455,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5267217755317688},{"word":"property","start":278.455,"end":278.775,"confidence":0.99902344,"punctuated_word":"property","sentiment":"negative","sentiment_score":-0.7426045536994934},{"word":"companies","start":278.775,"end":279.255,"confidence":0.99121094,"punctuated_word":"companies","sentiment":"negative","sentiment_score":-0.5903111696243286},{"word":"to","start":279.255,"end":279.415,"confidence":0.9941406,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5035189986228943},{"word":"kind","start":279.415,"end":279.655,"confidence":0.9707031,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.5720785856246948},{"word":"of","start":279.655,"end":279.735,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4861790239810944},{"word":"start","start":279.735,"end":279.975,"confidence":0.9760742,"punctuated_word":"start","sentiment":"negative","sentiment_score":-0.7182726860046387},{"word":"tanking","start":279.975,"end":280.475,"confidence":0.80045575,"punctuated_word":"tanking.","sentiment":"negative","sentiment_score":-0.5616792440414429},{"word":"and","start":280.775,"end":281.275,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.2679535448551178},{"word":"i","start":281.575,"end":281.695,"confidence":0.98535156,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.39864981174468994},{"word":"i","start":281.695,"end":281.815,"confidence":0.65478516,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.40331757068634033},{"word":"just","start":281.815,"end":281.975,"confidence":0.9980469,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3503466844558716},{"word":"wanna","start":281.975,"end":282.295,"confidence":0.7783203,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.32286787033081055},{"word":"get","start":282.295,"end":282.455,"confidence":0.99902344,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.3580702841281891},{"word":"you","start":282.455,"end":282.615,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.41318976879119873},{"word":"away","start":282.615,"end":282.935,"confidence":1.0,"punctuated_word":"away","sentiment":"negative","sentiment_score":-0.37410444021224976},{"word":"from","start":282.935,"end":283.175,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.384857177734375},{"word":"that","start":283.175,"end":283.335,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4841539859771729},{"word":"investment","start":283.335,"end":283.835,"confidence":0.99121094,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.4964044988155365},{"word":"as","start":283.895,"end":284.135,"confidence":0.93359375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.29018333554267883},{"word":"well","start":284.135,"end":284.375,"confidence":0.99316406,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.2714764475822449},{"word":"with","start":284.375,"end":284.535,"confidence":0.8569336,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.23778735101222992},{"word":"that","start":284.535,"end":284.695,"confidence":0.9536133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1421234905719757},{"word":"spent","start":284.695,"end":285.015,"confidence":0.47021484,"punctuated_word":"spent","sentiment":"neutral","sentiment_score":-0.09572873264551164},{"word":"long","start":285.015,"end":285.175,"confidence":0.76708984,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.11417040228843688},{"word":"month","start":285.175,"end":285.675,"confidence":0.71435547,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.08486415445804596},{"word":"that","start":285.81,"end":286.05,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10350323468446732},{"word":"we","start":286.05,"end":286.21,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14110442996025083},{"word":"were","start":286.21,"end":286.29,"confidence":0.96972656,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.17412495613098145},{"word":"switching","start":286.29,"end":286.77,"confidence":0.92822266,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":-0.1185344010591507},{"word":"out","start":286.77,"end":287.01,"confidence":0.9819336,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11836545914411543},{"word":"for","start":287.01,"end":287.25,"confidence":0.9770508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14027664065361023},{"word":"you","start":287.25,"end":287.33,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14649994671344757},{"word":"already","start":287.33,"end":287.83,"confidence":0.99609375,"punctuated_word":"already.","sentiment":"neutral","sentiment_score":-0.13162118196487427},{"word":"there's","start":290.93,"end":291.16998,"confidence":0.9567871,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.02499362826347351},{"word":"a","start":291.16998,"end":291.33,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05918857455253601},{"word":"couple","start":291.33,"end":291.65,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05686993896961212},{"word":"of","start":291.65,"end":291.81,"confidence":0.6381836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03788451477885246},{"word":"switching","start":291.81,"end":292.21,"confidence":0.53759766,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.024798355996608738},{"word":"there","start":292.21,"end":292.71,"confidence":0.76708984,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04869068041443825},{"word":"redeployed","start":293.88998,"end":294.38998,"confidence":0.90844727,"punctuated_word":"Redeployed","sentiment":"neutral","sentiment_score":0.06571655720472336},{"word":"some","start":294.53,"end":294.69,"confidence":0.9819336,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07905314117670059},{"word":"of","start":294.69,"end":294.77,"confidence":0.9482422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0944615975022316},{"word":"the","start":294.77,"end":295.01,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08155586570501328},{"word":"cash","start":295.01,"end":295.51,"confidence":0.9941406,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":0.09523832052946092},{"word":"the","start":295.57,"end":295.81,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.14351394772529602},{"word":"asset","start":295.81,"end":296.13,"confidence":0.99316406,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.15897178649902344},{"word":"allocation","start":296.13,"end":296.63,"confidence":0.8173828,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.23368239402770996},{"word":"basically","start":296.93,"end":297.43,"confidence":0.97314453,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.19615115225315097},{"word":"remains","start":297.49,"end":297.88998,"confidence":0.97802734,"punctuated_word":"remains","sentiment":"neutral","sentiment_score":0.25290414690971375},{"word":"the","start":297.88998,"end":298.05,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2498793601989746},{"word":"same","start":298.05,"end":298.53,"confidence":0.9819336,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.24038246273994449},{"word":"you'll","start":298.53,"end":298.77,"confidence":0.99902344,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.2135029137134552},{"word":"be","start":298.77,"end":299.16998,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2551289498806},{"word":"going","start":299.16998,"end":299.41,"confidence":0.9873047,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2574132978916168},{"word":"from","start":299.41,"end":299.73,"confidence":0.9667969,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.18333199620246887},{"word":"about","start":299.73,"end":299.88998,"confidence":0.6826172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.19880162179470065},{"word":"80%","start":299.88998,"end":300.665,"confidence":0.98095703,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.2012929767370224},{"word":"growth","start":300.665,"end":300.825,"confidence":0.70947266,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.15186086297035217},{"word":"assets","start":300.825,"end":301.225,"confidence":0.66845703,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.14196453988552094},{"word":"to","start":301.225,"end":301.385,"confidence":0.87841797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1689630001783371},{"word":"about","start":301.385,"end":301.625,"confidence":0.97509766,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17270779609680176},{"word":"82","start":301.625,"end":302.365,"confidence":0.9941406,"punctuated_word":"82.","sentiment":"neutral","sentiment_score":0.1574735939502716},{"word":"again","start":303.385,"end":303.545,"confidence":0.9519043,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.15164180099964142},{"word":"you","start":303.545,"end":303.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22467266023159027},{"word":"wanna","start":303.785,"end":304.025,"confidence":0.5449219,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2894153594970703},{"word":"be","start":304.025,"end":304.185,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2975013256072998},{"word":"aiming","start":304.185,"end":304.505,"confidence":0.72216797,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.2564346194267273},{"word":"between","start":304.505,"end":304.905,"confidence":0.9970703,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.2920561730861664},{"word":"eighty","start":304.905,"end":305.145,"confidence":0.9970703,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.2893671989440918},{"word":"and","start":305.145,"end":305.385,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2473079264163971},{"word":"ninety","start":305.385,"end":305.885,"confidence":0.9980469,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.26994606852531433},{"word":"for","start":306.025,"end":306.185,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19811490178108215},{"word":"your","start":306.185,"end":306.665,"confidence":0.93408203,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.18565969169139865},{"word":"like","start":306.665,"end":306.98502,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.21321479976177216},{"word":"return","start":306.98502,"end":307.385,"confidence":0.88134766,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.27830931544303894},{"word":"index","start":307.385,"end":307.705,"confidence":0.50439453,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.17038211226463318},{"word":"level","start":307.705,"end":308.185,"confidence":0.8383789,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.24914637207984924},{"word":"if","start":308.185,"end":308.345,"confidence":0.8730469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.31833940744400024},{"word":"that","start":308.345,"end":308.505,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2397404313087463},{"word":"makes","start":308.505,"end":308.665,"confidence":0.9394531,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.18431788682937625},{"word":"sense","start":308.665,"end":309.165,"confidence":0.98461914,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.14334848523139954},{"word":"now","start":313.225,"end":313.725,"confidence":0.98828125,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09475714713335036},{"word":"in","start":313.785,"end":313.945,"confidence":0.9667969,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07993839681148529},{"word":"terms","start":313.945,"end":314.265,"confidence":0.9980469,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.06019338220357895},{"word":"of","start":314.265,"end":314.765,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10578329861164092},{"word":"the","start":314.825,"end":315.065,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10662044584751128},{"word":"the","start":315.065,"end":315.36,"confidence":0.546875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09943719953298567},{"word":"contribution","start":315.52,"end":315.91998,"confidence":0.8676758,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.08652028441429138},{"word":"side","start":315.91998,"end":316.24,"confidence":0.6147461,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.10016245394945145},{"word":"of","start":316.24,"end":316.31998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08839073777198792},{"word":"things","start":316.31998,"end":316.63998,"confidence":0.8156738,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.08823547512292862},{"word":"so","start":316.63998,"end":317.12,"confidence":0.85839844,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06733652949333191},{"word":"remember","start":317.12,"end":317.43997,"confidence":0.9863281,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.0559607669711113},{"word":"how","start":317.43997,"end":317.59998,"confidence":0.9482422,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06217442825436592},{"word":"we","start":317.59998,"end":317.75998,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0736221969127655},{"word":"were","start":317.75998,"end":317.91998,"confidence":0.9760742,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.057321734726428986},{"word":"talking","start":317.91998,"end":318.15997,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.06604113429784775},{"word":"about","start":318.15997,"end":318.47998,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06816782057285309},{"word":"trying","start":318.47998,"end":318.71997,"confidence":0.9741211,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.07669231295585632},{"word":"to","start":318.71997,"end":318.8,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07589066028594971},{"word":"get","start":318.8,"end":319.3,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07109435647726059},{"word":"maximum","start":319.68,"end":320.18,"confidence":0.99902344,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.09771141409873962},{"word":"sort","start":320.24,"end":320.4,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08219525218009949},{"word":"of","start":320.4,"end":320.63998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08507639914751053},{"word":"contributions","start":320.63998,"end":321.13998,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.07991696894168854},{"word":"in","start":321.19998,"end":321.36,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1043781042098999},{"word":"there","start":321.36,"end":321.52,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07443509995937347},{"word":"with","start":321.52,"end":321.75998,"confidence":0.7441406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08812974393367767},{"word":"a","start":321.75998,"end":321.84,"confidence":0.7739258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07133245468139648},{"word":"new","start":321.84,"end":322.24,"confidence":0.9941406,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.0530456081032753},{"word":"$32,500","start":322.24,"end":323.84,"confidence":0.95202637,"punctuated_word":"$32,500","sentiment":"neutral","sentiment_score":0.05427428334951401},{"word":"cap","start":323.84,"end":324.31998,"confidence":0.83618164,"punctuated_word":"cap?","sentiment":"neutral","sentiment_score":0.06513360887765884},{"word":"does","start":324.31998,"end":324.47998,"confidence":0.9941406,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.048352792859077454},{"word":"that","start":324.47998,"end":324.63998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05488179996609688},{"word":"ring","start":324.63998,"end":324.8,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.040924422442913055},{"word":"a","start":324.8,"end":324.87997,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025563960894942284},{"word":"bell","start":324.87997,"end":325.37997,"confidence":0.99853516,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.024717750027775764},{"word":"one","start":328.08,"end":328.31998,"confidence":0.8647461,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.10352884232997894},{"word":"of","start":328.31998,"end":328.4,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0912642776966095},{"word":"the","start":328.4,"end":328.56,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12242043018341064},{"word":"things","start":328.56,"end":328.87997,"confidence":0.99609375,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15162086486816406},{"word":"i","start":328.87997,"end":329.12,"confidence":0.7246094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16442805528640747},{"word":"i","start":329.12,"end":329.19998,"confidence":0.60009766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1862848848104477},{"word":"wanna","start":329.19998,"end":329.52,"confidence":0.5366211,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.22119265794754028},{"word":"kind","start":329.52,"end":329.75998,"confidence":0.97314453,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.23846881091594696},{"word":"of","start":329.75998,"end":330.25998,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2367880791425705},{"word":"run","start":330.4,"end":330.63998,"confidence":0.9970703,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.21145503222942352},{"word":"by","start":330.63998,"end":330.87997,"confidence":0.9902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2087130844593048},{"word":"you","start":330.87997,"end":331.245,"confidence":0.9296875,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2393324077129364},{"word":"and","start":331.32498,"end":331.485,"confidence":0.9194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19335009157657623},{"word":"this","start":331.485,"end":331.645,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23655718564987183},{"word":"is","start":331.645,"end":332.145,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2433431446552277},{"word":"my","start":332.205,"end":332.365,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.24854058027267456},{"word":"my","start":332.365,"end":332.60498,"confidence":0.9506836,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2366100251674652},{"word":"advice","start":332.60498,"end":333.005,"confidence":0.9951172,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.21165713667869568},{"word":"and","start":333.005,"end":333.165,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23834341764450073},{"word":"suggestion","start":333.165,"end":333.665,"confidence":0.89160156,"punctuated_word":"suggestion,","sentiment":"neutral","sentiment_score":0.1979100406169891},{"word":"is","start":334.205,"end":334.705,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1997189074754715},{"word":"i","start":334.76498,"end":334.845,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14673501253128052},{"word":"wanna","start":334.845,"end":335.085,"confidence":0.77441406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19187837839126587},{"word":"change","start":335.085,"end":335.405,"confidence":0.9980469,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.1931985020637512},{"word":"how","start":335.405,"end":335.645,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12920165061950684},{"word":"we're","start":335.645,"end":335.805,"confidence":0.98999023,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14658476412296295},{"word":"doing","start":335.805,"end":336.04498,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.11756311357021332},{"word":"the","start":336.04498,"end":336.205,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07135780155658722},{"word":"contributions","start":336.205,"end":336.60498,"confidence":0.97265625,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.09996507316827774},{"word":"a","start":336.60498,"end":337.005,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1744692176580429},{"word":"bit","start":337.005,"end":337.32498,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1582162380218506},{"word":"because","start":337.32498,"end":337.82498,"confidence":0.58691406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0919855609536171},{"word":"when","start":338.525,"end":338.76498,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11108875274658205},{"word":"i","start":338.76498,"end":338.925,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09506960213184357},{"word":"go","start":338.925,"end":339.165,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09947971254587172},{"word":"through","start":339.165,"end":339.665,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06163231283426285},{"word":"the","start":339.725,"end":339.965,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07893362641334534},{"word":"transaction","start":339.965,"end":340.465,"confidence":1.0,"punctuated_word":"transaction","sentiment":"neutral","sentiment_score":0.06963641941547394},{"word":"history","start":340.60498,"end":341.10498,"confidence":0.99560547,"punctuated_word":"history,","sentiment":"neutral","sentiment_score":0.07772776484489441},{"word":"your","start":342.125,"end":342.365,"confidence":0.90283203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07952454686164856},{"word":"workers","start":342.365,"end":342.865,"confidence":0.70458984,"punctuated_word":"workers","sentiment":"neutral","sentiment_score":0.0914260670542717},{"word":"switch","start":343.165,"end":343.41,"confidence":0.79541016,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.04406032711267471},{"word":"to","start":343.73,"end":344.23,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.049553606659173965},{"word":"what","start":344.29,"end":344.69,"confidence":0.9902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0643363893032074},{"word":"seems","start":344.69,"end":345.01,"confidence":0.99609375,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":0.06682862341403961},{"word":"to","start":345.01,"end":345.17,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07152451574802399},{"word":"be","start":345.17,"end":345.33002,"confidence":0.7788086,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.05042475461959839},{"word":"like","start":345.33002,"end":345.65,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.054899826645851135},{"word":"weekly","start":345.65,"end":346.05002,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.05468278005719185},{"word":"contribution","start":346.05002,"end":346.55002,"confidence":0.8557129,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.044962093234062195},{"word":"do","start":348.13,"end":348.29,"confidence":0.96533203,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.028084147721529007},{"word":"you","start":348.29,"end":348.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028692493215203285},{"word":"get","start":348.37,"end":348.53,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01081329584121704},{"word":"paid","start":348.53,"end":348.85,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.01720128022134304},{"word":"weekly","start":348.85,"end":349.35,"confidence":0.9975586,"punctuated_word":"weekly?","sentiment":"neutral","sentiment_score":0.010574707761406898},{"word":"now","start":357.41,"end":357.91,"confidence":0.97998047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13946302235126495},{"word":"that's","start":358.075,"end":358.315,"confidence":0.9802246,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15776309370994568},{"word":"normally","start":358.315,"end":358.795,"confidence":0.96777344,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.2114868760108948},{"word":"all","start":358.795,"end":359.035,"confidence":0.99121094,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.19825848937034607},{"word":"fine","start":359.035,"end":359.355,"confidence":0.99121094,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.18250754475593567},{"word":"because","start":359.355,"end":359.855,"confidence":0.93115234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2236359715461731},{"word":"the","start":359.995,"end":360.075,"confidence":0.49047852,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21399816870689392},{"word":"those","start":360.155,"end":360.39502,"confidence":0.5419922,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1671474128961563},{"word":"new","start":360.39502,"end":360.715,"confidence":0.9980469,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.14084464311599731},{"word":"legislation","start":360.715,"end":361.215,"confidence":0.90722656,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":0.14977926015853882},{"word":"that","start":361.515,"end":361.915,"confidence":0.9038086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17845609784126282},{"word":"super","start":361.915,"end":362.155,"confidence":0.86035156,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1797075867652893},{"word":"contributions","start":362.155,"end":362.655,"confidence":0.99316406,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.0834575742483139},{"word":"have","start":363.035,"end":363.275,"confidence":0.9790039,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16313639283180237},{"word":"to","start":363.275,"end":363.435,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18277521431446075},{"word":"be","start":363.435,"end":363.515,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1498907208442688},{"word":"in","start":363.515,"end":363.67502,"confidence":0.84716797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17571121454238892},{"word":"line","start":363.67502,"end":363.83502,"confidence":0.9941406,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.16978710889816284},{"word":"with","start":363.83502,"end":363.995,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16480645537376404},{"word":"the","start":363.995,"end":364.155,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16756820678710938},{"word":"pay","start":364.155,"end":364.475,"confidence":0.9790039,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13821345567703247},{"word":"cycle","start":364.475,"end":364.975,"confidence":0.9345703,"punctuated_word":"cycle,","sentiment":"neutral","sentiment_score":0.1794671267271042},{"word":"which","start":365.195,"end":365.435,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.18673089146614075},{"word":"is","start":365.435,"end":365.755,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16784793138504028},{"word":"usually","start":365.755,"end":366.255,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.1803077608346939},{"word":"fine","start":366.315,"end":366.815,"confidence":0.85668945,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10626482963562012},{"word":"but","start":367.755,"end":368.075,"confidence":0.8071289,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.007963038980960846},{"word":"they've","start":368.075,"end":368.315,"confidence":0.99560547,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.06650504469871521},{"word":"had","start":368.315,"end":368.475,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05313803255558014},{"word":"it","start":368.475,"end":368.795,"confidence":0.5683594,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11259908229112624},{"word":"a","start":368.795,"end":368.95502,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1009497493505478},{"word":"whole","start":368.95502,"end":369.355,"confidence":0.99902344,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.11126426607370377},{"word":"lot","start":369.355,"end":369.67502,"confidence":0.9951172,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.096511609852314},{"word":"come","start":369.67502,"end":369.915,"confidence":0.5488281,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.0646435022354126},{"word":"in","start":369.915,"end":370.075,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04454422742128372},{"word":"from","start":370.075,"end":370.315,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.08795822411775589},{"word":"the","start":370.315,"end":370.475,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06615713238716125},{"word":"tax","start":370.475,"end":370.715,"confidence":0.984375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.0024778321385383606},{"word":"office","start":370.715,"end":371.07,"confidence":0.8261719,"punctuated_word":"office,","sentiment":"neutral","sentiment_score":-0.032686322927474976},{"word":"like","start":371.15,"end":371.39,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04216211289167404},{"word":"little","start":371.39,"end":371.55002,"confidence":0.63183594,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.007647864520549774},{"word":"catch","start":371.55002,"end":371.95,"confidence":0.9819336,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.01897717267274857},{"word":"up","start":371.95,"end":372.19,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04370609670877457},{"word":"contributions","start":372.19,"end":372.69,"confidence":0.7182617,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.020864322781562805},{"word":"towards","start":373.31,"end":373.71002,"confidence":0.9580078,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.0034472718834877014},{"word":"the","start":373.71002,"end":373.79,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0030644387006759644},{"word":"end","start":373.79,"end":373.95,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.02558375895023346},{"word":"of","start":373.95,"end":374.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00279814749956131},{"word":"the","start":374.03,"end":374.11002,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005614176392555237},{"word":"year","start":374.11002,"end":374.27002,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.02372419834136963},{"word":"in","start":374.27002,"end":374.51,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005343161523342133},{"word":"april","start":374.51,"end":374.91,"confidence":0.99560547,"punctuated_word":"April.","sentiment":"neutral","sentiment_score":-0.020501382648944855},{"word":"there's","start":374.91,"end":375.07,"confidence":0.9975586,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.01645565778017044},{"word":"about","start":375.07,"end":375.57,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0042324066162109375},{"word":"12","start":376.19,"end":376.59,"confidence":1.0,"punctuated_word":"12","sentiment":"neutral","sentiment_score":-0.003874175250530243},{"word":"of","start":376.59,"end":376.83002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0014297738671302795},{"word":"those","start":376.83002,"end":377.33002,"confidence":0.7495117,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":-0.004158385097980499},{"word":"little","start":377.79,"end":378.11002,"confidence":0.8984375,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05256173759698868},{"word":"small","start":378.11002,"end":378.43,"confidence":0.9760742,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.023733139038085938},{"word":"amounts","start":378.43,"end":378.75,"confidence":0.88671875,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.023661911487579346},{"word":"that","start":378.75,"end":378.99002,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00991962105035782},{"word":"came","start":378.99002,"end":379.49002,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.002574734389781952},{"word":"in","start":381.07,"end":381.39,"confidence":0.99902344,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.01008923351764679},{"word":"in","start":381.39,"end":381.63,"confidence":0.98291016,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.015763401985168457},{"word":"addition","start":381.63,"end":382.03,"confidence":1.0,"punctuated_word":"addition","sentiment":"neutral","sentiment_score":-0.03946553170681},{"word":"to","start":382.03,"end":382.19,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.024950027465820312},{"word":"that","start":382.19,"end":382.51,"confidence":0.9980469,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.020002305507659912},{"word":"some","start":382.51,"end":382.67,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.00009967386722564696},{"word":"of","start":382.67,"end":382.83002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0030171573162078857},{"word":"the","start":382.83002,"end":382.91,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004028551280498505},{"word":"month","start":382.91,"end":383.41,"confidence":0.68115234,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.00972827896475792},{"word":"they're","start":383.47,"end":383.95,"confidence":0.73828125,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.0041762469336390495},{"word":"fluctuating","start":383.95,"end":384.45,"confidence":0.7548828,"punctuated_word":"fluctuating","sentiment":"neutral","sentiment_score":0.053664859384298325},{"word":"between","start":384.75,"end":385.25,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0382024422287941},{"word":"$250","start":385.875,"end":387.07498,"confidence":0.9586792,"punctuated_word":"$250","sentiment":"neutral","sentiment_score":0.05719516426324845},{"word":"and","start":387.07498,"end":387.395,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0330764576792717},{"word":"620","start":387.395,"end":388.535,"confidence":0.9761963,"punctuated_word":"620.","sentiment":"neutral","sentiment_score":0.021515261381864548},{"word":"and","start":389.555,"end":389.79498,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.007195010781288147},{"word":"last","start":389.79498,"end":390.115,"confidence":0.99609375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.00800042599439621},{"word":"month","start":390.115,"end":390.51498,"confidence":0.7937012,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.0175060722976923},{"word":"five","start":390.51498,"end":390.835,"confidence":0.9951172,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.029459267854690552},{"word":"contributions","start":390.835,"end":391.335,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.015594713389873505},{"word":"came","start":391.63498,"end":391.79498,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.018928833305835724},{"word":"in","start":391.79498,"end":392.29498,"confidence":0.7089844,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.024525431916117668},{"word":"two","start":392.595,"end":392.835,"confidence":0.8730469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.024186130613088608},{"word":"on","start":392.835,"end":392.995,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.026656635105609897},{"word":"the","start":392.995,"end":393.155,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0266423337161541},{"word":"eleventh","start":393.155,"end":393.555,"confidence":0.9921875,"punctuated_word":"eleventh,","sentiment":"neutral","sentiment_score":0.03406351059675217},{"word":"one","start":393.555,"end":393.715,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01477590948343277},{"word":"on","start":393.715,"end":393.875,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.018992550671100616},{"word":"the","start":393.875,"end":394.03497,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02541649341583252},{"word":"seventeenth","start":394.03497,"end":394.53497,"confidence":0.9954427,"punctuated_word":"seventeenth,","sentiment":"neutral","sentiment_score":0.04514279216527939},{"word":"twenty","start":394.75497,"end":395.07498,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05731728672981262},{"word":"fourth","start":395.07498,"end":395.315,"confidence":0.94970703,"punctuated_word":"fourth,","sentiment":"neutral","sentiment_score":0.024439387023448944},{"word":"and","start":395.315,"end":395.555,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0010210350155830383},{"word":"thirty","start":395.555,"end":395.79498,"confidence":0.99609375,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.04719546437263489},{"word":"first","start":395.79498,"end":396.29498,"confidence":0.9519043,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":-0.008535239845514297},{"word":"so","start":396.835,"end":397.07498,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.044064510613679886},{"word":"it","start":397.07498,"end":397.315,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2033458799123764},{"word":"seems","start":397.315,"end":397.555,"confidence":0.9970703,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":-0.15075740218162537},{"word":"to","start":397.555,"end":397.715,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.187066912651062},{"word":"be","start":397.715,"end":397.875,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20608925819396973},{"word":"just","start":397.875,"end":398.03497,"confidence":0.9838867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.23536844551563263},{"word":"going","start":398.03497,"end":398.53497,"confidence":0.99121094,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.19027799367904663},{"word":"a","start":398.675,"end":398.75497,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2146400660276413},{"word":"bit","start":398.75497,"end":399.07498,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2392447590827942},{"word":"all","start":399.07498,"end":399.235,"confidence":0.9902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.22065696120262143},{"word":"over","start":399.235,"end":399.47498,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.22164037823677063},{"word":"the","start":399.47498,"end":399.63498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2805059552192688},{"word":"shop","start":399.63498,"end":399.9,"confidence":0.9345703,"punctuated_word":"shop.","sentiment":"neutral","sentiment_score":-0.24982190132141113},{"word":"and","start":400.94,"end":401.18,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08219780027866364},{"word":"what","start":401.18,"end":401.41998,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1416696310043335},{"word":"that's","start":401.41998,"end":401.74,"confidence":0.9187012,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1920011043548584},{"word":"pretty","start":401.74,"end":402.06,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.18267694115638733},{"word":"much","start":402.06,"end":402.3,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.18072327971458435},{"word":"gonna","start":402.3,"end":402.62,"confidence":0.94140625,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08663144707679749},{"word":"do","start":402.62,"end":402.94,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09274984896183014},{"word":"is","start":402.94,"end":403.44,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0893179178237915},{"word":"the","start":403.66,"end":403.9,"confidence":0.9291992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10122884064912796},{"word":"$2.50","start":403.9,"end":404.54,"confidence":0.9970703,"punctuated_word":"$2.50","sentiment":"neutral","sentiment_score":-0.09054946899414062},{"word":"a","start":404.54,"end":404.69998,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11107253283262251},{"word":"week","start":404.69998,"end":404.94,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.11639958620071413},{"word":"now","start":404.94,"end":405.18,"confidence":0.9038086,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.17428110539913175},{"word":"they've","start":405.18,"end":405.34,"confidence":0.8190918,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.28135156631469727},{"word":"got","start":405.34,"end":405.5,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.28800445795059204},{"word":"the","start":405.5,"end":405.66,"confidence":0.9248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2845923900604248},{"word":"salary","start":405.66,"end":406.13998,"confidence":0.99609375,"punctuated_word":"salary","sentiment":"negative","sentiment_score":-0.40456363558769226},{"word":"sacrifice","start":406.13998,"end":406.63998,"confidence":0.64208984,"punctuated_word":"sacrifice.","sentiment":"negative","sentiment_score":-0.3725996017456054},{"word":"that's","start":406.78,"end":407.02,"confidence":0.83618164,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.5528638958930969},{"word":"probably","start":407.02,"end":407.34,"confidence":1.0,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.5326833128929138},{"word":"gonna","start":407.34,"end":407.66,"confidence":0.9326172,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.49107182025909424},{"word":"tip","start":407.66,"end":407.9,"confidence":0.49194336,"punctuated_word":"tip","sentiment":"negative","sentiment_score":-0.4849224388599396},{"word":"you","start":407.9,"end":408.06,"confidence":0.9980469,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5830801129341125},{"word":"over","start":408.06,"end":408.56,"confidence":0.9980469,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.6000582575798035},{"word":"accidentally","start":408.78,"end":409.28,"confidence":0.98095703,"punctuated_word":"accidentally","sentiment":"negative","sentiment_score":-0.5501837730407715},{"word":"if","start":409.66,"end":409.82,"confidence":0.9760742,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5234736204147339},{"word":"we","start":409.82,"end":409.97998,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3727381229400635},{"word":"keep","start":409.97998,"end":410.22,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"negative","sentiment_score":-0.4923848807811737},{"word":"that","start":410.22,"end":410.53998,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4186103343963623},{"word":"going","start":410.53998,"end":411.03998,"confidence":0.99853516,"punctuated_word":"going.","sentiment":"negative","sentiment_score":-0.3381960093975067},{"word":"so","start":412.46,"end":412.78,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1324481964111328},{"word":"what","start":412.78,"end":413.02,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1420172154903412},{"word":"i","start":413.02,"end":413.18,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16442570090293884},{"word":"think","start":413.18,"end":413.5,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.20777112245559692},{"word":"you","start":413.5,"end":413.66,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2788951098918915},{"word":"should","start":413.66,"end":413.82,"confidence":0.99609375,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2225048840045929},{"word":"do","start":413.82,"end":414.225,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2259996086359024},{"word":"instead","start":414.385,"end":414.885,"confidence":0.9951172,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.1950370967388153},{"word":"is","start":415.185,"end":415.42502,"confidence":0.89501953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2131687104701996},{"word":"just","start":415.42502,"end":415.745,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24255505204200745},{"word":"do","start":415.745,"end":415.905,"confidence":0.64501953,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.30913862586021423},{"word":"what","start":415.905,"end":416.14502,"confidence":0.9941406,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.34045061469078064},{"word":"my","start":416.14502,"end":416.545,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.32707148790359497},{"word":"my","start":416.545,"end":416.785,"confidence":0.9716797,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3071880340576172},{"word":"father-in-law","start":416.785,"end":417.285,"confidence":0.9988281,"punctuated_word":"father-in-law","sentiment":"neutral","sentiment_score":0.2991127371788025},{"word":"does","start":417.42502,"end":417.585,"confidence":0.9941406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.23083873093128204},{"word":"out","start":417.585,"end":417.745,"confidence":0.8964844,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2977216839790344},{"word":"in","start":417.745,"end":417.905,"confidence":0.4597168,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2631266117095947},{"word":"the","start":417.905,"end":417.98502,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26483821868896484},{"word":"line","start":417.98502,"end":418.48502,"confidence":0.85253906,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.2961845397949219},{"word":"is","start":418.70502,"end":419.20502,"confidence":0.56640625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2630041837692261},{"word":"keep","start":419.665,"end":419.98502,"confidence":0.9604492,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2505969703197479},{"word":"all","start":419.98502,"end":420.225,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2524397075176239},{"word":"of","start":420.225,"end":420.385,"confidence":0.8408203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25305718183517456},{"word":"the","start":420.385,"end":420.625,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2337955981492996},{"word":"instead","start":421.025,"end":421.345,"confidence":0.9980469,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.18708159029483795},{"word":"of","start":421.345,"end":421.505,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21975477039813995},{"word":"salary","start":421.505,"end":421.98502,"confidence":0.98535156,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.0008481442928314209},{"word":"sacrificing","start":421.98502,"end":422.48502,"confidence":0.9736328,"punctuated_word":"sacrificing,","sentiment":"neutral","sentiment_score":0.17847035825252533},{"word":"keep","start":422.70502,"end":422.945,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1852261424064636},{"word":"it","start":422.945,"end":423.105,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25777044892311096},{"word":"inside","start":423.105,"end":423.505,"confidence":0.72595215,"punctuated_word":"inside,","sentiment":"neutral","sentiment_score":0.2062841504812241},{"word":"like","start":423.505,"end":423.665,"confidence":0.9875488,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.18789805471897125},{"word":"an","start":423.665,"end":423.825,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.18612191081047055},{"word":"offset","start":423.825,"end":424.225,"confidence":0.9873047,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.144064798951149},{"word":"account","start":424.225,"end":424.70502,"confidence":0.798584,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.16615167260169983},{"word":"offset","start":424.70502,"end":425.105,"confidence":0.90234375,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.15537023544311523},{"word":"mortgage","start":425.105,"end":425.585,"confidence":0.748291,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.21817542612552643},{"word":"and","start":425.585,"end":425.745,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19586318731307983},{"word":"things","start":425.745,"end":425.98502,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15040673315525055},{"word":"like","start":425.98502,"end":426.225,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14750801026821136},{"word":"that","start":426.225,"end":426.725,"confidence":0.9758301,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.25168904662132263},{"word":"and","start":426.785,"end":426.945,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2129146307706833},{"word":"then","start":426.945,"end":427.185,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19079363346099856},{"word":"when","start":427.185,"end":427.42502,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.24322791397571564},{"word":"it","start":427.42502,"end":427.585,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2119728922843933},{"word":"comes","start":427.585,"end":427.825,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.25778570771217346},{"word":"to","start":427.825,"end":428.065,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25243085622787476},{"word":"june","start":428.065,"end":428.565,"confidence":0.98706055,"punctuated_word":"June,","sentiment":"neutral","sentiment_score":0.20966461300849917},{"word":"just","start":428.625,"end":428.865,"confidence":0.8828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1935724765062332},{"word":"do","start":428.865,"end":429.105,"confidence":0.9873047,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20515266060829165},{"word":"a","start":429.105,"end":429.33,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2740512192249298},{"word":"top","start":429.40997,"end":429.56998,"confidence":0.9921875,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.2847449481487274},{"word":"up","start":429.56998,"end":429.81,"confidence":0.97998047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3088846802711487},{"word":"contribution","start":429.81,"end":430.31,"confidence":0.96972656,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.24689239263534543},{"word":"so","start":430.37,"end":430.61,"confidence":0.65527344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.32525864243507385},{"word":"you","start":430.61,"end":430.77,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31688955426216125},{"word":"get","start":430.77,"end":431.09,"confidence":0.99121094,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30792275071144104},{"word":"both","start":431.09,"end":431.59,"confidence":0.9614258,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2667783498764038},{"word":"the","start":431.72998,"end":431.97,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24110643565654755},{"word":"interest","start":431.97,"end":432.44998,"confidence":0.99609375,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.2754072844982147},{"word":"offset","start":432.44998,"end":432.84998,"confidence":0.91503906,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.22394996881484985},{"word":"for","start":432.84998,"end":433.00998,"confidence":0.8881836,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23412148654460907},{"word":"the","start":433.00998,"end":433.16998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22284704446792605},{"word":"whole","start":433.16998,"end":433.49,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.2446276694536209},{"word":"year","start":433.49,"end":433.99,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2770802080631256},{"word":"and","start":434.05,"end":434.28998,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21751439571380615},{"word":"the","start":434.28998,"end":434.44998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2300877571105957},{"word":"tax","start":434.44998,"end":434.77,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.267177939414978},{"word":"deduction","start":434.77,"end":435.27,"confidence":0.890625,"punctuated_word":"deduction","sentiment":"neutral","sentiment_score":0.24217192828655243},{"word":"double","start":435.33,"end":435.56998,"confidence":0.47143555,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.2530536651611328},{"word":"waived","start":435.56998,"end":436.06998,"confidence":0.6287842,"punctuated_word":"waived.","sentiment":"neutral","sentiment_score":0.1829664707183838},{"word":"does","start":440.37,"end":440.53,"confidence":0.9951172,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.12786823511123657},{"word":"that","start":440.53,"end":440.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1843683421611786},{"word":"make","start":440.77,"end":441.00998,"confidence":0.9873047,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13192453980445862},{"word":"sense","start":441.00998,"end":441.50998,"confidence":0.9975586,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.12547530233860016},{"word":"yes","start":451.38498,"end":451.88498,"confidence":0.7248535,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05296746641397476},{"word":"yes","start":451.94498,"end":452.44498,"confidence":0.82006836,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06146002560853958},{"word":"yeah","start":454.50497,"end":454.985,"confidence":0.84106445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10868354141712187},{"word":"similar","start":454.985,"end":455.38498,"confidence":0.7416992,"punctuated_word":"Similar","sentiment":"neutral","sentiment_score":0.12337388843297958},{"word":"method","start":455.38498,"end":455.73,"confidence":0.6862793,"punctuated_word":"method.","sentiment":"neutral","sentiment_score":0.2114344537258148},{"word":"so","start":456.21002,"end":456.61002,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22463002800941467},{"word":"basically","start":456.61002,"end":457.09,"confidence":0.54589844,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.23387722671031952},{"word":"keep","start":457.09,"end":457.33002,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.3040042519569397},{"word":"it","start":457.33002,"end":457.57,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3121282160282135},{"word":"to","start":457.57,"end":457.73,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3463415801525116},{"word":"yourself","start":457.73,"end":458.23,"confidence":0.873291,"punctuated_word":"yourself.","sentiment":"positive","sentiment_score":0.36386626958847046},{"word":"let","start":458.53,"end":458.85,"confidence":0.9560547,"punctuated_word":"Let","sentiment":"positive","sentiment_score":0.3874756991863251},{"word":"let","start":458.85,"end":459.01,"confidence":0.9902344,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4276016652584076},{"word":"you","start":459.01,"end":459.25,"confidence":0.9316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4120808243751526},{"word":"save","start":459.25,"end":459.49002,"confidence":0.95947266,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.28739237785339355},{"word":"on","start":459.49002,"end":459.65002,"confidence":0.9951172,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4601118266582489},{"word":"the","start":459.65002,"end":459.73,"confidence":0.94628906,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39229267835617065},{"word":"interest","start":459.73,"end":460.05002,"confidence":0.97509766,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.41573017835617065},{"word":"on","start":460.05002,"end":460.21002,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4080633521080017},{"word":"a","start":460.21002,"end":460.29,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3692365288734436},{"word":"weekly","start":460.29,"end":460.69,"confidence":0.99902344,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.3135022521018982},{"word":"basis","start":460.69,"end":461.19,"confidence":0.81103516,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.3281888961791992},{"word":"get","start":461.49002,"end":461.73,"confidence":0.9970703,"punctuated_word":"Get","sentiment":"positive","sentiment_score":0.360664963722229},{"word":"a","start":461.73,"end":461.81,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3488016724586487},{"word":"whole","start":461.81,"end":462.13,"confidence":1.0,"punctuated_word":"whole","sentiment":"positive","sentiment_score":0.3948001265525818},{"word":"year","start":462.13,"end":462.37003,"confidence":0.99902344,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.3992001414299011},{"word":"out","start":462.37003,"end":462.53,"confidence":0.9980469,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3938764035701752},{"word":"of","start":462.53,"end":462.69,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32063090801239014},{"word":"it","start":462.69,"end":463.01,"confidence":0.8144531,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2935214042663574},{"word":"and","start":463.01,"end":463.25,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2351316958665848},{"word":"then","start":463.25,"end":463.41,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.22635537385940552},{"word":"just","start":463.41,"end":463.65002,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2219926118850708},{"word":"chuck","start":463.65002,"end":463.89,"confidence":0.8720703,"punctuated_word":"chuck","sentiment":"neutral","sentiment_score":0.2577870190143585},{"word":"in","start":463.89,"end":464.13,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21732023358345032},{"word":"that","start":464.13,"end":464.29,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2677486836910248},{"word":"couple","start":464.29,"end":464.53,"confidence":0.99609375,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2387409806251526},{"word":"of","start":464.53,"end":464.61002,"confidence":0.9165039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23264217376708984},{"word":"grand","start":464.61002,"end":465.01,"confidence":0.9301758,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":0.27146899700164795},{"word":"top","start":465.01,"end":465.17,"confidence":0.9667969,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.31689199805259705},{"word":"up","start":465.17,"end":465.33002,"confidence":0.7397461,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3348955810070038},{"word":"so","start":465.33002,"end":465.41,"confidence":0.69384766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2259493917226791},{"word":"you","start":465.41,"end":465.57,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24203872680664065},{"word":"don't","start":465.57,"end":465.81,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.2142394781112671},{"word":"tip","start":465.81,"end":466.05002,"confidence":0.9472656,"punctuated_word":"tip","sentiment":"neutral","sentiment_score":0.12594135105609894},{"word":"over","start":466.05002,"end":466.55002,"confidence":0.99658203,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.19321824610233307},{"word":"and","start":470.45,"end":470.69,"confidence":0.52001953,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.33397412300109863},{"word":"that","start":470.69,"end":470.85,"confidence":0.99121094,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3701513409614563},{"word":"way","start":470.85,"end":471.195,"confidence":0.8491211,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.41105666756629944},{"word":"you","start":471.355,"end":471.515,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4783663749694824},{"word":"get","start":471.515,"end":471.595,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4741364121437073},{"word":"the","start":471.595,"end":471.67502,"confidence":0.97998047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.466752827167511},{"word":"benefit","start":471.67502,"end":472.155,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5292572975158691},{"word":"of","start":472.155,"end":472.39502,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5665806531906128},{"word":"both","start":472.39502,"end":472.89502,"confidence":0.9746094,"punctuated_word":"both,","sentiment":"positive","sentiment_score":0.5766061544418335},{"word":"which","start":472.95502,"end":473.195,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.584601879119873},{"word":"is","start":473.195,"end":473.515,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5392493009567261},{"word":"better","start":473.515,"end":474.015,"confidence":0.7871094,"punctuated_word":"better,","sentiment":"positive","sentiment_score":0.5125815272331238},{"word":"and","start":474.23502,"end":474.39502,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.42048344016075134},{"word":"then","start":474.39502,"end":474.635,"confidence":0.9980469,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.4756838083267212},{"word":"there's","start":474.635,"end":474.875,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.39067786931991577},{"word":"no","start":474.875,"end":475.035,"confidence":0.9970703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.287906289100647},{"word":"risk","start":475.035,"end":475.275,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.2174010872840881},{"word":"of","start":475.275,"end":475.595,"confidence":0.9667969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3298342823982239},{"word":"random","start":475.595,"end":476.095,"confidence":1.0,"punctuated_word":"random","sentiment":"positive","sentiment_score":0.376252144575119},{"word":"additional","start":476.155,"end":476.655,"confidence":0.9951172,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.21927466988563535},{"word":"taxes","start":476.715,"end":477.195,"confidence":0.9970703,"punctuated_word":"taxes","sentiment":"positive","sentiment_score":0.4023462235927582},{"word":"coming","start":477.195,"end":477.435,"confidence":1.0,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.41618484258651733},{"word":"out","start":477.435,"end":477.595,"confidence":0.9790039,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4058420956134796},{"word":"because","start":477.595,"end":477.915,"confidence":0.9589844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.3202871084213257},{"word":"of","start":477.915,"end":478.075,"confidence":0.9526367,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3364293873310089},{"word":"the","start":478.075,"end":478.23502,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3507097363471985},{"word":"frequency","start":478.23502,"end":478.73502,"confidence":0.9980469,"punctuated_word":"frequency","sentiment":"neutral","sentiment_score":0.2667404115200043},{"word":"and","start":479.515,"end":479.755,"confidence":0.9506836,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3639459013938904},{"word":"the","start":479.755,"end":479.915,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32731011509895325},{"word":"fluctuating","start":479.915,"end":480.415,"confidence":0.9890137,"punctuated_word":"fluctuating","sentiment":"neutral","sentiment_score":0.31972217559814453},{"word":"amount","start":480.555,"end":481.055,"confidence":0.9729004,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.32164090871810913},{"word":"cool","start":485.195,"end":485.46,"confidence":0.9538574,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.31482571363449097},{"word":"so","start":485.94,"end":486.1,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18255050480365753},{"word":"i've","start":486.1,"end":486.34,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1470925360918045},{"word":"included","start":486.34,"end":486.74,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.15181054174900055},{"word":"that","start":486.74,"end":486.9,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1849121600389481},{"word":"in","start":486.9,"end":487.06,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15728233754634857},{"word":"there","start":487.06,"end":487.38,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1476742923259735},{"word":"again","start":487.38,"end":487.69998,"confidence":0.98999023,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.09946313500404358},{"word":"it's","start":487.69998,"end":487.86,"confidence":0.96655273,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15510809421539307},{"word":"just","start":487.86,"end":488.26,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15462595224380493},{"word":"a","start":488.26,"end":488.66,"confidence":0.9350586,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16653071343898773},{"word":"a","start":488.66,"end":488.74,"confidence":0.5332031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1713162660598755},{"word":"note","start":488.74,"end":488.97998,"confidence":0.8989258,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.12578165531158447},{"word":"of","start":488.97998,"end":489.13998,"confidence":0.9550781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1665077954530716},{"word":"this","start":489.13998,"end":489.3,"confidence":0.9243164,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18408823013305664},{"word":"booking","start":489.3,"end":489.62,"confidence":0.35351562,"punctuated_word":"booking","sentiment":"neutral","sentiment_score":0.2544006109237671},{"word":"the","start":489.62,"end":489.78,"confidence":0.31079102,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23145589232444763},{"word":"payroll","start":489.78,"end":490.28,"confidence":0.8510742,"punctuated_word":"payroll,","sentiment":"neutral","sentiment_score":0.224778950214386},{"word":"but","start":490.66,"end":491.16,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14144140481948853},{"word":"i'm","start":491.3,"end":491.46,"confidence":0.9838867,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11588933318853378},{"word":"basically","start":491.46,"end":491.94,"confidence":0.9921875,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.12315822392702104},{"word":"saying","start":491.94,"end":492.18,"confidence":0.78149414,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":0.14669737219810486},{"word":"yes","start":492.18,"end":492.5,"confidence":0.7307129,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.1623513251543045},{"word":"stop","start":492.5,"end":492.66,"confidence":0.56640625,"punctuated_word":"Stop","sentiment":"neutral","sentiment_score":0.10092447698116302},{"word":"the","start":492.66,"end":492.81998,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1056845635175705},{"word":"sales","start":492.81998,"end":493.06,"confidence":0.9116211,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.13246560096740723},{"word":"tax","start":493.06,"end":493.46,"confidence":0.67993164,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.1970536708831787},{"word":"pop","start":493.46,"end":493.62,"confidence":0.98828125,"punctuated_word":"Pop","sentiment":"neutral","sentiment_score":0.23212049901485443},{"word":"it","start":493.62,"end":493.78,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19461768865585327},{"word":"up","start":493.78,"end":493.94,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13442832231521606},{"word":"later","start":493.94,"end":494.44,"confidence":0.99072266,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.1991492658853531},{"word":"so","start":496.74,"end":496.9,"confidence":0.7729492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15970845520496368},{"word":"that's","start":496.9,"end":497.22,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15797707438468933},{"word":"kind","start":497.22,"end":497.38,"confidence":0.9589844,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16857919096946716},{"word":"of","start":497.38,"end":497.53998,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1923757791519165},{"word":"the","start":497.53998,"end":497.69998,"confidence":0.921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20627997815608975},{"word":"super","start":497.69998,"end":497.94,"confidence":0.8413086,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2755383551120758},{"word":"side","start":497.94,"end":498.09998,"confidence":0.8574219,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.3212986886501312},{"word":"of","start":498.09998,"end":498.18,"confidence":0.9770508,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3661836087703705},{"word":"things","start":498.18,"end":498.5,"confidence":0.7080078,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.26592397689819336},{"word":"tune","start":498.5,"end":498.74,"confidence":0.8364258,"punctuated_word":"Tune","sentiment":"neutral","sentiment_score":0.10383427143096924},{"word":"up","start":498.74,"end":498.9,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14161118865013125},{"word":"the","start":498.9,"end":499.06,"confidence":0.890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13501712679862976},{"word":"portfolio","start":499.06,"end":499.56,"confidence":0.80126953,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.14538991451263428},{"word":"switch","start":500.02,"end":500.34,"confidence":0.9838867,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.11508717387914658},{"word":"how","start":500.34,"end":500.5,"confidence":0.9760742,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09377294033765791},{"word":"we","start":500.5,"end":500.66,"confidence":0.9243164,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0971752479672432},{"word":"do","start":500.66,"end":500.74,"confidence":0.8154297,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10858918726444244},{"word":"the","start":500.74,"end":501.225,"confidence":0.7998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09128468483686449},{"word":"any","start":502.745,"end":502.98502,"confidence":0.98535156,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.05229611694812775},{"word":"questions","start":502.98502,"end":503.48502,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.022256728261709213},{"word":"on","start":503.545,"end":503.785,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.020920496433973312},{"word":"on","start":503.785,"end":503.945,"confidence":0.8198242,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02131391316652298},{"word":"those","start":503.945,"end":504.185,"confidence":0.98291016,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.030667869374156},{"word":"two","start":504.185,"end":504.685,"confidence":0.8347168,"punctuated_word":"two?","sentiment":"neutral","sentiment_score":0.038626961410045624},{"word":"cool","start":508.42502,"end":508.92502,"confidence":0.8144531,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":-0.2368222177028656},{"word":"for","start":509.945,"end":510.42502,"confidence":0.98291016,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.27499690651893616},{"word":"the","start":510.42502,"end":510.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24588288366794583},{"word":"insurance","start":510.745,"end":511.245,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.12284670770168304},{"word":"side","start":511.465,"end":511.545,"confidence":0.97265625,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.1710902601480484},{"word":"of","start":511.545,"end":511.70502,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1616542935371399},{"word":"things","start":511.70502,"end":512.205,"confidence":0.8286133,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.1686227321624756},{"word":"so","start":512.425,"end":512.745,"confidence":0.9770508,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.16004720330238342},{"word":"i","start":512.745,"end":512.825,"confidence":0.96435547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2924754023551941},{"word":"did","start":512.825,"end":513.24,"confidence":0.88671875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.2762158215045929},{"word":"a","start":513.39996,"end":513.45996,"confidence":0.7236328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2514764666557312},{"word":"bit","start":513.45996,"end":513.52,"confidence":0.27172852,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2112499475479126},{"word":"of","start":513.52,"end":513.58,"confidence":0.91015625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27569764852523804},{"word":"a","start":513.58,"end":513.64,"confidence":0.49267578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23475179076194763},{"word":"hunt","start":513.64,"end":514.14,"confidence":0.66552734,"punctuated_word":"hunt","sentiment":"neutral","sentiment_score":-0.2314132899045944},{"word":"around","start":514.2,"end":514.44,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.2596685290336609},{"word":"for","start":514.44,"end":514.6,"confidence":0.27661133,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21751399338245392},{"word":"some","start":514.6,"end":514.83997,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1836756020784378},{"word":"providers","start":514.83997,"end":515.33997,"confidence":0.9897461,"punctuated_word":"providers.","sentiment":"neutral","sentiment_score":-0.1199294775724411},{"word":"i","start":516.2,"end":516.36,"confidence":0.9404297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2844160795211792},{"word":"did","start":516.36,"end":516.68,"confidence":0.9921875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.1829194128513336},{"word":"find","start":516.68,"end":517.16,"confidence":0.9980469,"punctuated_word":"find","sentiment":"negative","sentiment_score":-0.4352068305015564},{"word":"one","start":517.16,"end":517.56,"confidence":1.0,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.365551233291626},{"word":"provider","start":517.56,"end":518.06,"confidence":1.0,"punctuated_word":"provider","sentiment":"neutral","sentiment_score":-0.173186257481575},{"word":"which","start":518.76,"end":519.26,"confidence":0.9135742,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.27610084414482117},{"word":"can","start":519.48,"end":519.8,"confidence":0.9819336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.24211139976978305},{"word":"possibly","start":519.8,"end":520.2,"confidence":0.9980469,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.16663283109664917},{"word":"get","start":520.2,"end":520.44,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.10337704420089722},{"word":"you","start":520.44,"end":520.6,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06654753535985947},{"word":"to","start":520.6,"end":520.76,"confidence":0.49047852,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008727312088012695},{"word":"the","start":520.76,"end":520.83997,"confidence":0.7675781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06675681471824646},{"word":"cheaper","start":520.83997,"end":521.16,"confidence":0.8310547,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.06816966831684113},{"word":"premium","start":521.16,"end":521.66,"confidence":0.95532227,"punctuated_word":"premium,","sentiment":"neutral","sentiment_score":-0.03257546201348305},{"word":"but","start":521.95996,"end":522.2,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.24832595884799957},{"word":"i","start":522.2,"end":522.36,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5537609457969666},{"word":"haven't","start":522.36,"end":522.76,"confidence":1.0,"punctuated_word":"haven't","sentiment":"negative","sentiment_score":-0.5874809622764587},{"word":"recommended","start":522.76,"end":523.26,"confidence":0.9970703,"punctuated_word":"recommended","sentiment":"negative","sentiment_score":-0.5424256324768066},{"word":"it","start":523.39996,"end":523.64,"confidence":0.8886719,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6029890179634094},{"word":"this","start":523.64,"end":523.95996,"confidence":0.9902344,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.6504080295562744},{"word":"year","start":523.95996,"end":524.45996,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"negative","sentiment_score":-0.4732555150985718},{"word":"what","start":524.76,"end":525.0,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.09601159393787384},{"word":"i've","start":525.0,"end":525.16,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.086240753531456},{"word":"actually","start":525.16,"end":525.64,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.06870493292808533},{"word":"recommended","start":525.64,"end":526.14,"confidence":0.9970703,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.24295276403427124},{"word":"is","start":526.2,"end":526.36,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22233963012695312},{"word":"just","start":526.36,"end":526.76,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3115401566028595},{"word":"to","start":526.76,"end":527.16,"confidence":0.9448242,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25433626770973206},{"word":"top","start":527.16,"end":527.39996,"confidence":0.9770508,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.30165642499923706},{"word":"up","start":527.39996,"end":527.56,"confidence":0.9350586,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.348379909992218},{"word":"your","start":527.56,"end":527.8,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4182835817337036},{"word":"income","start":527.8,"end":528.2,"confidence":0.9941406,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.38155531883239746},{"word":"protection","start":528.2,"end":528.555,"confidence":0.59033203,"punctuated_word":"protection","sentiment":"positive","sentiment_score":0.334574431180954},{"word":"back","start":530.475,"end":530.635,"confidence":0.36572266,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.36761876940727234},{"word":"up","start":530.635,"end":530.795,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3276222348213196},{"word":"in","start":530.795,"end":530.955,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3374686539173126},{"word":"line","start":530.955,"end":531.195,"confidence":0.9941406,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.4415169358253479},{"word":"with","start":531.195,"end":531.355,"confidence":0.9970703,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4282400608062744},{"word":"what","start":531.355,"end":531.595,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4332215487957001},{"word":"it","start":531.595,"end":531.675,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35008949041366577},{"word":"should","start":531.675,"end":531.915,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4257414340972901},{"word":"be","start":531.915,"end":532.415,"confidence":0.9951172,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.29782336950302124},{"word":"so","start":532.635,"end":532.795,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23006831109523773},{"word":"instead","start":532.795,"end":533.195,"confidence":0.9941406,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.2356797158718109},{"word":"of","start":533.195,"end":533.355,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2966800332069397},{"word":"8,900","start":533.355,"end":534.555,"confidence":0.99902344,"punctuated_word":"8,900","sentiment":"neutral","sentiment_score":0.3037487268447876},{"word":"a","start":534.555,"end":534.635,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3141447901725769},{"word":"month","start":534.635,"end":534.875,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.32516682147979736},{"word":"of","start":534.875,"end":535.115,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2937067151069641},{"word":"cover","start":535.115,"end":535.515,"confidence":0.9980469,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.3057464063167572},{"word":"top","start":535.515,"end":535.675,"confidence":1.0,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.4802477359771729},{"word":"it","start":535.675,"end":535.835,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.49594393372535706},{"word":"up","start":535.835,"end":535.995,"confidence":0.95166016,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.42228639125823975},{"word":"to","start":535.995,"end":536.15497,"confidence":0.94189453,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43710243701934814},{"word":"10,000","start":536.15497,"end":536.895,"confidence":0.897583,"punctuated_word":"10,000.","sentiment":"positive","sentiment_score":0.405964195728302},{"word":"and","start":537.915,"end":538.415,"confidence":0.99609375,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3683596849441528},{"word":"that's","start":539.115,"end":539.515,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.36438244581222534},{"word":"only","start":539.515,"end":539.755,"confidence":0.99902344,"punctuated_word":"only","sentiment":"positive","sentiment_score":0.34645017981529236},{"word":"gonna","start":539.755,"end":539.995,"confidence":0.9086914,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3484891653060913},{"word":"bump","start":539.995,"end":540.235,"confidence":0.9980469,"punctuated_word":"bump","sentiment":"positive","sentiment_score":0.4909991919994354},{"word":"up","start":540.235,"end":540.315,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.537578284740448},{"word":"the","start":540.315,"end":540.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.47691985964775085},{"word":"premiums","start":540.475,"end":540.875,"confidence":0.7993164,"punctuated_word":"premiums","sentiment":"positive","sentiment_score":0.5166674852371216},{"word":"by","start":540.875,"end":541.035,"confidence":0.9707031,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.4032532870769501},{"word":"about","start":541.035,"end":541.27496,"confidence":0.9819336,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.37156832218170166},{"word":"600","start":541.27496,"end":541.755,"confidence":0.99902344,"punctuated_word":"600","sentiment":"positive","sentiment_score":0.4312716126441955},{"word":"a","start":541.755,"end":542.13,"confidence":0.9580078,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4180297255516052},{"word":"year","start":542.93,"end":543.01,"confidence":0.9980469,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.40898412466049194},{"word":"to","start":543.01,"end":543.09,"confidence":0.75097656,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4090471863746643},{"word":"get","start":543.09,"end":543.33,"confidence":0.9941406,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.46944406628608704},{"word":"that","start":543.33,"end":543.57,"confidence":0.94970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.42791786789894104},{"word":"full","start":543.57,"end":543.89,"confidence":0.80322266,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.47232431173324585},{"word":"sort","start":543.89,"end":544.05,"confidence":0.81396484,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.31766900420188904},{"word":"of","start":544.05,"end":544.29,"confidence":0.9892578,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.40987786650657654},{"word":"70%","start":544.29,"end":545.19,"confidence":0.7619629,"punctuated_word":"70%.","sentiment":"positive","sentiment_score":0.3965914845466614},{"word":"what","start":549.49,"end":549.65,"confidence":0.97509766,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.17786529660224917},{"word":"we","start":549.65,"end":550.05,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13821974396705627},{"word":"can","start":550.05,"end":550.45,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2120456099510193},{"word":"do","start":550.45,"end":550.95,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21436849236488345},{"word":"possibly","start":551.01,"end":551.49,"confidence":0.9453125,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.12716270983219147},{"word":"down","start":551.49,"end":551.81,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15740028023719788},{"word":"the","start":551.81,"end":551.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04625015705823898},{"word":"line","start":551.89,"end":552.39,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.0850217416882515},{"word":"is","start":552.85,"end":553.35,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09675094485282898},{"word":"just","start":553.41003,"end":553.65,"confidence":0.9091797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10786830633878708},{"word":"in","start":553.65,"end":553.81,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10879319161176682},{"word":"terms","start":553.81,"end":554.13,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.12942054867744446},{"word":"of","start":554.13,"end":554.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14139537513256073},{"word":"another","start":554.29,"end":554.655,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.07358443737030029},{"word":"provider","start":554.815,"end":555.135,"confidence":0.99121094,"punctuated_word":"provider","sentiment":"neutral","sentiment_score":0.1169206276535988},{"word":"here","start":555.135,"end":555.29504,"confidence":0.98095703,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.13093020021915436},{"word":"in","start":555.29504,"end":555.455,"confidence":0.92089844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.152915820479393},{"word":"metlife","start":555.455,"end":555.955,"confidence":0.87027997,"punctuated_word":"MetLife.","sentiment":"neutral","sentiment_score":0.1337813138961792},{"word":"they","start":556.815,"end":557.05505,"confidence":0.8613281,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.1052403524518013},{"word":"offer","start":557.05505,"end":557.53503,"confidence":0.9970703,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":0.183976948261261},{"word":"sliding","start":557.53503,"end":558.03503,"confidence":0.9248047,"punctuated_word":"sliding","sentiment":"neutral","sentiment_score":0.2118026167154312},{"word":"discounts","start":558.335,"end":558.73505,"confidence":0.86816406,"punctuated_word":"discounts,","sentiment":"neutral","sentiment_score":0.15934956073760986},{"word":"which","start":558.73505,"end":559.23505,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2024470567703247},{"word":"if","start":559.455,"end":559.53503,"confidence":0.8730469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23014503717422485},{"word":"we","start":559.53503,"end":559.775,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1841568797826767},{"word":"can","start":559.775,"end":560.275,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24053651094436648},{"word":"match","start":560.49506,"end":560.99506,"confidence":1.0,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.2785548269748688},{"word":"a","start":561.455,"end":561.53503,"confidence":0.7211914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2581784129142761},{"word":"health","start":561.53503,"end":561.85504,"confidence":0.90234375,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.17536817491054535},{"word":"criteria","start":561.85504,"end":562.35504,"confidence":0.99365234,"punctuated_word":"criteria,","sentiment":"neutral","sentiment_score":0.17972704768180847},{"word":"they","start":563.455,"end":563.775,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14056794345378876},{"word":"can","start":563.775,"end":564.015,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18337079882621765},{"word":"pretty","start":564.015,"end":564.255,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.11101320385932922},{"word":"much","start":564.255,"end":564.575,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.11651434004306792},{"word":"drop","start":564.575,"end":564.815,"confidence":0.9980469,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.11233516037464142},{"word":"it","start":564.815,"end":564.97504,"confidence":0.8388672,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.036321476101875305},{"word":"a","start":564.97504,"end":565.05505,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04376104474067688},{"word":"couple","start":565.05505,"end":565.29504,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.03560823202133179},{"word":"of","start":565.29504,"end":565.455,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12477611005306244},{"word":"thousand","start":565.455,"end":565.85504,"confidence":0.99609375,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.09579004347324371},{"word":"dollars","start":565.85504,"end":566.35504,"confidence":0.8691406,"punctuated_word":"dollars,","sentiment":"neutral","sentiment_score":0.1016213595867157},{"word":"but","start":566.75,"end":566.91,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.01992437988519669},{"word":"it's","start":566.91,"end":567.14996,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1203569993376732},{"word":"incumbent","start":567.14996,"end":567.63,"confidence":0.9980469,"punctuated_word":"incumbent","sentiment":"neutral","sentiment_score":-0.045639172196388245},{"word":"on","start":567.63,"end":567.79,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09352577477693558},{"word":"a","start":567.79,"end":567.95,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09235727787017822},{"word":"couple","start":567.95,"end":568.26996,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.009574934840202332},{"word":"of","start":568.26996,"end":568.43,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029657751321792603},{"word":"things","start":568.43,"end":568.75,"confidence":0.9890137,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.017836764454841614},{"word":"so","start":568.75,"end":569.25,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04147205501794815},{"word":"i","start":569.55,"end":569.79,"confidence":0.8540039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08089115470647812},{"word":"need","start":569.79,"end":570.02997,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0713379830121994},{"word":"to","start":570.02997,"end":570.11,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0697827935218811},{"word":"check","start":570.11,"end":570.35,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.0544646829366684},{"word":"with","start":570.35,"end":570.51,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1252821385860443},{"word":"you","start":570.51,"end":570.67,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12200813740491868},{"word":"just","start":570.67,"end":570.91,"confidence":0.7421875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12022336572408676},{"word":"in","start":570.91,"end":571.07,"confidence":0.93603516,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12435273081064224},{"word":"terms","start":571.07,"end":571.38995,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.05509141832590103},{"word":"of","start":571.38995,"end":571.55,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07563526928424835},{"word":"the","start":571.55,"end":572.02997,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07257559895515442},{"word":"the","start":572.02997,"end":572.19,"confidence":0.6166992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06629422307014465},{"word":"type","start":572.19,"end":572.67,"confidence":0.9951172,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.05950674042105675},{"word":"of","start":572.67,"end":573.07,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06230517476797104},{"word":"employee","start":573.07,"end":573.55,"confidence":0.9248047,"punctuated_word":"employee","sentiment":"neutral","sentiment_score":-0.03952832520008087},{"word":"you've","start":573.55,"end":573.79,"confidence":0.9296875,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.0662974938750267},{"word":"got","start":573.79,"end":574.29,"confidence":0.88916016,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":-0.09200958907604218},{"word":"do","start":574.51,"end":574.75,"confidence":0.99609375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.061834536492824554},{"word":"you","start":574.75,"end":574.82996,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07186558842658997},{"word":"do","start":574.82996,"end":574.99,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06334195286035538},{"word":"anything","start":574.99,"end":575.47,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.07097413390874863},{"word":"kind","start":575.47,"end":575.70996,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0811598151922226},{"word":"of","start":575.70996,"end":575.95,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08181893825531006},{"word":"underground","start":575.95,"end":576.45,"confidence":0.99609375,"punctuated_word":"underground?","sentiment":"neutral","sentiment_score":-0.0591789148747921},{"word":"yep","start":595.635,"end":595.795,"confidence":0.7553711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.040175050497055054},{"word":"deliver","start":595.795,"end":596.195,"confidence":0.44750977,"punctuated_word":"Deliver","sentiment":"neutral","sentiment_score":-0.002310246229171753},{"word":"the","start":596.195,"end":596.355,"confidence":0.81933594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0022469349205493927},{"word":"tunnel","start":596.355,"end":596.755,"confidence":0.84033203,"punctuated_word":"tunnel.","sentiment":"neutral","sentiment_score":0.010628588497638702},{"word":"do","start":596.755,"end":596.835,"confidence":0.99121094,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.024909235537052155},{"word":"you","start":596.835,"end":596.915,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025836624205112457},{"word":"know","start":596.915,"end":597.415,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03054162859916687},{"word":"approximate","start":598.4,"end":598.9,"confidence":0.7915039,"punctuated_word":"approximate","sentiment":"neutral","sentiment_score":-0.02819794788956642},{"word":"depth","start":598.96,"end":599.2,"confidence":0.87060547,"punctuated_word":"depth","sentiment":"neutral","sentiment_score":-0.03003836050629616},{"word":"you","start":599.2,"end":599.44,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019847001880407333},{"word":"might","start":599.44,"end":599.60004,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.020802579820156097},{"word":"go","start":599.60004,"end":599.92004,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.013831548392772676},{"word":"to","start":599.92004,"end":600.08,"confidence":0.96972656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020210154354572296},{"word":"was","start":600.08,"end":600.24,"confidence":0.27856445,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01577490195631981},{"word":"a","start":600.24,"end":600.32,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006036864593625069},{"word":"bit","start":600.32,"end":600.48004,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.007358968257904053},{"word":"of","start":600.48004,"end":600.56,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017058998346328735},{"word":"a","start":600.56,"end":600.64,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00997449830174446},{"word":"maximum","start":600.64,"end":601.12,"confidence":1.0,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":-0.004427280277013779},{"word":"range","start":601.12,"end":601.62,"confidence":0.9477539,"punctuated_word":"range?","sentiment":"neutral","sentiment_score":-0.020946569740772247},{"word":"yep","start":611.055,"end":611.555,"confidence":0.89282227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021006550639867783},{"word":"yeah","start":612.975,"end":613.21497,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01812823861837387},{"word":"i","start":613.21497,"end":613.375,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01548861339688301},{"word":"get","start":613.375,"end":613.615,"confidence":0.91259766,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.019394967705011368},{"word":"you","start":613.615,"end":613.735,"confidence":0.84228516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019702650606632233},{"word":"a","start":613.735,"end":613.855,"confidence":0.86572266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01670626550912857},{"word":"few","start":613.855,"end":614.095,"confidence":0.9819336,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.005123071372509003},{"word":"pages","start":614.095,"end":614.595,"confidence":0.72106934,"punctuated_word":"pages.","sentiment":"neutral","sentiment_score":0.00030118227005004883},{"word":"oh","start":623.055,"end":623.21497,"confidence":0.79125977,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.23235008120536804},{"word":"perfect","start":623.21497,"end":623.615,"confidence":0.81591797,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":0.2003941684961319},{"word":"because","start":623.615,"end":623.855,"confidence":0.64404297,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.04511791467666626},{"word":"basically","start":623.855,"end":624.25494,"confidence":0.6425781,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.060960497707128525},{"word":"what","start":624.25494,"end":624.495,"confidence":0.52490234,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.058536142110824585},{"word":"they","start":624.495,"end":624.65497,"confidence":0.7480469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.025707893073558807},{"word":"were","start":624.65497,"end":624.89496,"confidence":0.9482422,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.037992388010025024},{"word":"saying","start":624.89496,"end":625.23,"confidence":0.8342285,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":0.05018368735909462},{"word":"200","start":626.43,"end":627.07,"confidence":0.6561279,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.07990605384111404},{"word":"meters","start":627.07,"end":627.57,"confidence":0.7324219,"punctuated_word":"meters,","sentiment":"neutral","sentiment_score":0.0672396868467331},{"word":"they","start":629.07,"end":629.23,"confidence":0.8618164,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0660049170255661},{"word":"were","start":629.23,"end":629.38995,"confidence":0.8144531,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.045334406197071075},{"word":"basically","start":629.38995,"end":629.79,"confidence":0.9277344,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.07049058377742767},{"word":"saying","start":629.79,"end":630.11,"confidence":0.9941406,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.08663620799779892},{"word":"if","start":630.11,"end":630.35,"confidence":0.62841797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10424056649208067},{"word":"you're","start":630.35,"end":630.58997,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09187835454940796},{"word":"ever","start":630.58997,"end":630.82996,"confidence":0.9951172,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.1639317274093628},{"word":"doing","start":630.82996,"end":631.07,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.10393332690000534},{"word":"anything","start":631.07,"end":631.38995,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1190340369939804},{"word":"that's","start":631.38995,"end":631.63,"confidence":0.9904785,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08894934505224228},{"word":"purely","start":631.63,"end":632.11,"confidence":0.99902344,"punctuated_word":"purely","sentiment":"neutral","sentiment_score":0.11577525734901428},{"word":"above","start":632.11,"end":632.43,"confidence":0.9970703,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.07323035597801208},{"word":"ground","start":632.43,"end":632.93,"confidence":0.9851074,"punctuated_word":"ground,","sentiment":"neutral","sentiment_score":0.11363084614276886},{"word":"they","start":633.23,"end":633.47,"confidence":0.9716797,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1797308325767517},{"word":"can","start":633.47,"end":633.63,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1975446045398712},{"word":"give","start":633.63,"end":633.79,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16290974617004397},{"word":"you","start":633.79,"end":633.94995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1749902069568634},{"word":"a","start":633.94995,"end":634.02997,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19609197974205017},{"word":"better","start":634.02997,"end":634.35,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.1366737186908722},{"word":"occupation","start":634.35,"end":634.85,"confidence":0.9375,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.25366634130477905},{"word":"rating","start":635.07,"end":635.57,"confidence":0.74438477,"punctuated_word":"rating,","sentiment":"neutral","sentiment_score":0.17121605575084686},{"word":"and","start":635.63,"end":635.87,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1906684935092926},{"word":"then","start":635.87,"end":636.02997,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.23119185864925385},{"word":"they","start":636.02997,"end":636.19,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.19285468757152557},{"word":"also","start":636.19,"end":636.67,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.20407304167747495},{"word":"offer","start":636.67,"end":636.99,"confidence":0.951416,"punctuated_word":"offer,","sentiment":"neutral","sentiment_score":0.1747656762599945},{"word":"like","start":636.99,"end":637.245,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.21953415870666504},{"word":"bmi","start":637.485,"end":637.96497,"confidence":0.96435547,"punctuated_word":"BMI","sentiment":"neutral","sentiment_score":0.18833769857883453},{"word":"based","start":637.96497,"end":638.365,"confidence":0.97265625,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.2607972323894501},{"word":"discounts","start":638.365,"end":638.865,"confidence":0.78515625,"punctuated_word":"discounts.","sentiment":"neutral","sentiment_score":0.1763043850660324},{"word":"so","start":639.085,"end":639.245,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1602520048618317},{"word":"if","start":639.245,"end":639.40497,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18767505884170532},{"word":"you're","start":639.40497,"end":639.645,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16175277531147003},{"word":"under","start":639.645,"end":639.885,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.13137614727020264},{"word":"a","start":639.885,"end":640.045,"confidence":0.6845703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1386355757713318},{"word":"hundred","start":640.045,"end":640.445,"confidence":0.98535156,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":0.11270210891962051},{"word":"kilos","start":640.445,"end":640.945,"confidence":0.99641925,"punctuated_word":"kilos,","sentiment":"neutral","sentiment_score":0.1121530532836914},{"word":"they","start":641.085,"end":641.325,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1821783483028412},{"word":"give","start":641.325,"end":641.485,"confidence":0.99609375,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.18755868077278137},{"word":"you","start":641.485,"end":641.565,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17660361528396606},{"word":"a","start":641.565,"end":641.725,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15753352642059326},{"word":"standard","start":641.725,"end":642.125,"confidence":0.99902344,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.1403060108423233},{"word":"rate","start":642.125,"end":642.445,"confidence":0.70983887,"punctuated_word":"rate.","sentiment":"neutral","sentiment_score":0.20643305778503415},{"word":"that's","start":642.445,"end":642.685,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1765519380569458},{"word":"a","start":642.685,"end":642.765,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21302123367786407},{"word":"couple","start":642.765,"end":643.005,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1766846925020218},{"word":"of","start":643.005,"end":643.165,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16338622570037842},{"word":"grand","start":643.165,"end":643.40497,"confidence":0.8618164,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":0.12322097271680832},{"word":"below","start":643.40497,"end":643.90497,"confidence":0.9707031,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.21792051196098328},{"word":"one","start":644.845,"end":645.345,"confidence":0.8598633,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09520834684371948},{"word":"one","start":645.40497,"end":645.725,"confidence":0.9472656,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05932036787271499},{"word":"part","start":645.725,"end":646.225,"confidence":0.7307129,"punctuated_word":"part.","sentiment":"neutral","sentiment_score":0.15545406937599182},{"word":"and","start":646.285,"end":646.525,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1060970351099968},{"word":"then","start":646.525,"end":646.685,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10521627962589264},{"word":"if","start":646.685,"end":646.845,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11152303963899612},{"word":"you","start":646.845,"end":647.005,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07019387930631638},{"word":"go","start":647.005,"end":647.245,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07078114151954651},{"word":"below","start":647.245,"end":647.645,"confidence":0.9892578,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.08336950838565826},{"word":"90","start":647.645,"end":647.96497,"confidence":0.9980469,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.08761785924434662},{"word":"kilos","start":647.96497,"end":648.285,"confidence":0.99902344,"punctuated_word":"kilos,","sentiment":"neutral","sentiment_score":0.090864896774292},{"word":"they'll","start":648.285,"end":648.525,"confidence":0.97143555,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.14544767141342163},{"word":"give","start":648.525,"end":648.685,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1681121289730072},{"word":"you","start":648.685,"end":648.765,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17406676709651947},{"word":"a","start":648.765,"end":648.925,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1844795197248459},{"word":"percentage","start":648.925,"end":649.425,"confidence":0.9873047,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.16990214586257937},{"word":"discount","start":649.565,"end":649.96497,"confidence":0.99902344,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.12681451439857483},{"word":"on","start":649.96497,"end":650.125,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1817903220653534},{"word":"that","start":650.125,"end":650.4,"confidence":0.9538574,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.010629919357597828},{"word":"and","start":650.64,"end":650.88,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22500568628311157},{"word":"so","start":650.88,"end":651.04004,"confidence":0.9790039,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2909925878047943},{"word":"it's","start":651.04004,"end":651.28,"confidence":0.8803711,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3882142901420593},{"word":"the","start":651.28,"end":651.44,"confidence":0.64746094,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3689593970775604},{"word":"combination","start":651.44,"end":651.94,"confidence":0.94140625,"punctuated_word":"combination","sentiment":"neutral","sentiment_score":0.3322141766548157},{"word":"of","start":652.16003,"end":652.24005,"confidence":0.6303711,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3539386987686157},{"word":"if","start":652.24005,"end":652.32,"confidence":0.5883789,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.38102906942367554},{"word":"you're","start":652.32,"end":652.56,"confidence":0.9941406,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.33741316199302673},{"word":"above","start":652.56,"end":652.88,"confidence":0.9970703,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.3290267884731293},{"word":"ground","start":652.88,"end":653.38,"confidence":0.81640625,"punctuated_word":"ground","sentiment":"neutral","sentiment_score":0.28837892413139343},{"word":"and","start":654.16003,"end":654.4,"confidence":0.9165039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2765597403049469},{"word":"hit","start":654.4,"end":654.56,"confidence":0.54248047,"punctuated_word":"hit","sentiment":"positive","sentiment_score":0.3684317171573639},{"word":"the","start":654.56,"end":654.72003,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3047987222671509},{"word":"bmi","start":654.72003,"end":655.2,"confidence":0.82373047,"punctuated_word":"BMI","sentiment":"neutral","sentiment_score":0.2879243493080139},{"word":"figures","start":655.2,"end":655.7,"confidence":0.89208984,"punctuated_word":"figures,","sentiment":"positive","sentiment_score":0.35079899430274963},{"word":"we","start":655.92004,"end":656.08,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4024503529071808},{"word":"could","start":656.08,"end":656.32,"confidence":0.8911133,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.45530965924263},{"word":"save","start":656.32,"end":656.64,"confidence":0.97802734,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.37084412574768066},{"word":"a","start":656.64,"end":656.80005,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.378844678401947},{"word":"good","start":656.80005,"end":657.30005,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3738044798374176},{"word":"quarter","start":657.84,"end":658.34,"confidence":0.99902344,"punctuated_word":"quarter","sentiment":"positive","sentiment_score":0.3928312659263611},{"word":"to","start":658.4,"end":658.64,"confidence":0.93408203,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3535161018371582},{"word":"a","start":658.64,"end":658.80005,"confidence":0.96777344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.361017107963562},{"word":"third","start":658.80005,"end":659.12,"confidence":0.9716797,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.2944704294204712},{"word":"of","start":659.12,"end":659.2,"confidence":0.9536133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.33237317204475403},{"word":"the","start":659.2,"end":659.36005,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32211220264434814},{"word":"premium","start":659.36005,"end":659.84,"confidence":0.58935547,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.2898266017436981},{"word":"down","start":659.84,"end":660.08,"confidence":0.9970703,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.363119900226593},{"word":"the","start":660.08,"end":660.24005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35561898350715637},{"word":"line","start":660.24005,"end":660.74005,"confidence":0.99853516,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.2809169888496399},{"word":"so","start":669.585,"end":669.905,"confidence":0.5209961,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17346103489398956},{"word":"i'm","start":669.905,"end":670.225,"confidence":0.86743164,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.19752775132656095},{"word":"basically","start":670.225,"end":670.705,"confidence":0.8105469,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1873493492603302},{"word":"just","start":670.705,"end":670.865,"confidence":0.9526367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1866895705461502},{"word":"i've","start":670.945,"end":671.105,"confidence":0.97680664,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.18965451419353485},{"word":"got","start":671.105,"end":671.265,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.21806658804416656},{"word":"that","start":671.265,"end":671.505,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18755610287189484},{"word":"in","start":671.505,"end":671.665,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15981565415859222},{"word":"the","start":671.665,"end":671.825,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1570938229560852},{"word":"appendix","start":671.825,"end":672.305,"confidence":0.99316406,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.13727833330631256},{"word":"research","start":672.305,"end":672.805,"confidence":0.59277344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.14179375767707825},{"word":"just","start":672.865,"end":673.105,"confidence":0.88720703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16205094754695892},{"word":"because","start":673.105,"end":673.34503,"confidence":0.9140625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.15855859220027924},{"word":"i","start":673.34503,"end":673.425,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16965970396995544},{"word":"wanna","start":673.425,"end":673.665,"confidence":0.87353516,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.24128976464271543},{"word":"keep","start":673.665,"end":673.825,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2331155687570572},{"word":"an","start":673.825,"end":673.985,"confidence":0.99121094,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.20377543568611145},{"word":"eye","start":673.985,"end":674.145,"confidence":0.9980469,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.206091046333313},{"word":"on","start":674.145,"end":674.225,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2339915633201599},{"word":"it","start":674.225,"end":674.725,"confidence":0.935791,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2059960663318634},{"word":"it's","start":675.025,"end":675.185,"confidence":0.5079346,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1880439519882202},{"word":"basically","start":675.185,"end":675.665,"confidence":0.69677734,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.161897212266922},{"word":"just","start":675.665,"end":675.905,"confidence":0.8959961,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16305916011333466},{"word":"supposed","start":675.905,"end":676.405,"confidence":0.21655273,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":0.18380144238471985},{"word":"just","start":676.545,"end":676.78503,"confidence":0.42382812,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.181690514087677},{"word":"one","start":676.78503,"end":677.025,"confidence":0.99121094,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1633148044347763},{"word":"part","start":677.025,"end":677.265,"confidence":0.40185547,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.14114446938037872},{"word":"in","start":677.265,"end":677.425,"confidence":0.7758789,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17762811481952667},{"word":"that","start":677.425,"end":677.585,"confidence":0.7919922,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19678592681884768},{"word":"life","start":677.585,"end":677.825,"confidence":0.8041992,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.20448875427246097},{"word":"at","start":677.825,"end":677.985,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1878897100687027},{"word":"this","start":677.985,"end":678.225,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19529208540916443},{"word":"point","start":678.225,"end":678.725,"confidence":0.8720703,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.1686227321624756},{"word":"and","start":678.865,"end":679.365,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14611005783081055},{"word":"if","start":679.585,"end":679.825,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15892833471298218},{"word":"it","start":679.825,"end":679.905,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1352272629737854},{"word":"comes","start":679.905,"end":680.305,"confidence":0.9770508,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.14164984226226807},{"word":"time","start":680.305,"end":680.545,"confidence":0.9633789,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.12930269539356232},{"word":"where","start":680.545,"end":680.91,"confidence":0.7783203,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0709330216050148},{"word":"12","start":681.06995,"end":682.02997,"confidence":0.6520996,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.07238291203975677},{"word":"time","start":682.02997,"end":682.35,"confidence":0.6279297,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.07576750218868256},{"word":"the","start":682.35,"end":682.58997,"confidence":0.67089844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10133597254753111},{"word":"duty","start":682.58997,"end":682.91,"confidence":0.5703125,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":0.0627792477607727},{"word":"has","start":682.91,"end":683.06995,"confidence":0.4182129,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08127875626087189},{"word":"changed","start":683.06995,"end":683.38995,"confidence":0.9873047,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.15604257583618164},{"word":"a","start":683.38995,"end":683.55,"confidence":0.8828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1257496178150177},{"word":"bit","start":683.55,"end":683.94995,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13612714409828186},{"word":"and","start":683.94995,"end":684.19,"confidence":0.60791016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12307627499103546},{"word":"we","start":684.19,"end":684.35,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16170251369476318},{"word":"can","start":684.35,"end":684.50995,"confidence":0.7685547,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17830218374729156},{"word":"match","start":684.50995,"end":684.75,"confidence":0.99121094,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.1750907301902771},{"word":"the","start":684.75,"end":684.99,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21854449808597565},{"word":"health","start":684.99,"end":685.23,"confidence":0.9941406,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.15494900941848755},{"word":"criteria","start":685.23,"end":685.73,"confidence":0.8737793,"punctuated_word":"criteria,","sentiment":"neutral","sentiment_score":0.1678708791732788},{"word":"i","start":685.94995,"end":686.35,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22024419903755188},{"word":"basically","start":686.35,"end":686.67,"confidence":0.8051758,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.18780800700187683},{"word":"wanna","start":686.67,"end":686.99,"confidence":0.7998047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.21698829531669617},{"word":"pull","start":686.99,"end":687.06995,"confidence":0.9394531,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.15800398588180542},{"word":"the","start":687.06995,"end":687.23,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1751403510570526},{"word":"trigger","start":687.23,"end":687.62994,"confidence":1.0,"punctuated_word":"trigger","sentiment":"neutral","sentiment_score":0.12943220138549805},{"word":"on","start":687.62994,"end":687.70996,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15726888179779053},{"word":"that","start":687.70996,"end":687.94995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16293376684188843},{"word":"straight","start":687.94995,"end":688.19,"confidence":0.98535156,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.14370280504226685},{"word":"away","start":688.19,"end":688.69,"confidence":0.84277344,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.11203305423259736},{"word":"so","start":692.67,"end":692.925,"confidence":0.54248047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05684160441160202},{"word":"for","start":693.005,"end":693.165,"confidence":0.29003906,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.0771542489528656},{"word":"the","start":693.165,"end":693.40497,"confidence":0.9316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0862395241856575},{"word":"time","start":693.40497,"end":693.90497,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08706054836511612},{"word":"being","start":694.285,"end":694.605,"confidence":0.9819336,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.07534577697515488},{"word":"we'll","start":694.605,"end":694.845,"confidence":0.97802734,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.081864133477211},{"word":"keep","start":694.845,"end":695.165,"confidence":0.96972656,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.08709372580051422},{"word":"on","start":695.165,"end":695.325,"confidence":0.46875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07299184054136276},{"word":"past","start":695.325,"end":695.825,"confidence":0.33569336,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.09846366941928864},{"word":"just","start":696.365,"end":696.485,"confidence":0.36450195,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0893687754869461},{"word":"a","start":696.485,"end":696.605,"confidence":0.8798828,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11003458499908449},{"word":"little","start":696.605,"end":696.845,"confidence":0.85253906,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08909692615270615},{"word":"bit","start":696.845,"end":696.925,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09970924258232115},{"word":"of","start":696.925,"end":697.005,"confidence":0.9560547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10813610255718233},{"word":"a","start":697.005,"end":697.08496,"confidence":0.7426758,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11290816962718964},{"word":"top","start":697.08496,"end":697.40497,"confidence":0.9716797,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.09427280724048616},{"word":"up","start":697.40497,"end":697.485,"confidence":0.80908203,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10656888037919998},{"word":"of","start":697.485,"end":697.64496,"confidence":0.8730469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11896705627441406},{"word":"the","start":697.64496,"end":697.805,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10731279850006104},{"word":"ip","start":697.805,"end":698.305,"confidence":0.84814453,"punctuated_word":"IP","sentiment":"neutral","sentiment_score":0.07478809356689453},{"word":"income","start":698.845,"end":699.245,"confidence":0.41430664,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05585339665412903},{"word":"protection","start":699.245,"end":699.745,"confidence":0.7548828,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.08122187107801437},{"word":"and","start":700.125,"end":700.365,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0668332502245903},{"word":"then","start":700.365,"end":700.865,"confidence":0.9951172,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06656111776828766},{"word":"next","start":701.08496,"end":701.325,"confidence":0.9658203,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.05475696176290512},{"word":"review","start":701.325,"end":701.825,"confidence":0.8173828,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.06804314255714417},{"word":"i'll","start":701.96497,"end":702.125,"confidence":0.9716797,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06863752007484436},{"word":"wait","start":702.125,"end":702.285,"confidence":0.9160156,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.07775987684726715},{"word":"to","start":702.285,"end":702.445,"confidence":0.80615234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07345952838659286},{"word":"just","start":702.445,"end":702.945,"confidence":0.9277344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09533865004777908},{"word":"go","start":703.08496,"end":703.245,"confidence":0.9873047,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1186697632074356},{"word":"over","start":703.245,"end":703.485,"confidence":0.9580078,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.16019326448440552},{"word":"that","start":703.485,"end":703.64496,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12382040172815324},{"word":"again","start":703.64496,"end":703.885,"confidence":0.9980469,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.113319993019104},{"word":"with","start":703.885,"end":704.045,"confidence":0.9370117,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09694253653287888},{"word":"you","start":704.045,"end":704.205,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12221494317054749},{"word":"and","start":704.205,"end":704.365,"confidence":0.8510742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07366795092821121},{"word":"see","start":704.365,"end":704.52496,"confidence":0.9838867,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07744283229112625},{"word":"what","start":704.52496,"end":704.685,"confidence":0.9892578,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06731187552213669},{"word":"it's","start":704.685,"end":705.03,"confidence":0.9223633,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05935227498412132},{"word":"looking","start":707.03,"end":707.53,"confidence":0.97998047,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3688507080078125},{"word":"like","start":708.79004,"end":709.11005,"confidence":0.9951172,"punctuated_word":"like.","sentiment":"positive","sentiment_score":0.3460480272769928},{"word":"beautiful","start":709.11005,"end":709.61005,"confidence":0.9946289,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6857684254646301},{"word":"basically","start":710.47003,"end":710.97003,"confidence":0.94677734,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.1782367080450058},{"word":"because","start":711.19,"end":711.51,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10850442945957184},{"word":"of","start":711.51,"end":712.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14477452635765076},{"word":"top","start":712.87006,"end":713.11005,"confidence":0.9741211,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.1587851345539093},{"word":"ups","start":713.11005,"end":713.35004,"confidence":0.9091797,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.07484692335128784},{"word":"and","start":713.35004,"end":713.59,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07328973710536957},{"word":"increases","start":713.59,"end":714.09,"confidence":0.9970703,"punctuated_word":"increases,","sentiment":"neutral","sentiment_score":0.07761358469724655},{"word":"we","start":714.47003,"end":714.63,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07357288897037506},{"word":"do","start":714.63,"end":714.87006,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07566140592098236},{"word":"have","start":714.87006,"end":715.03,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10048796236515044},{"word":"to","start":715.03,"end":715.19,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07726824283599854},{"word":"apply","start":715.19,"end":715.69,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.10907287895679474},{"word":"for","start":715.83,"end":716.07,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1372934728860855},{"word":"the","start":716.07,"end":716.23004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1123495101928711},{"word":"increase","start":716.23004,"end":716.73004,"confidence":0.96875,"punctuated_word":"increase.","sentiment":"neutral","sentiment_score":0.1257202923297882},{"word":"so","start":717.945,"end":718.445,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09648173302412032},{"word":"i","start":718.585,"end":718.745,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13893327116966248},{"word":"included","start":718.745,"end":719.22504,"confidence":0.84277344,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.20182114839553833},{"word":"a","start":719.22504,"end":719.465,"confidence":0.95947266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17106083035469055},{"word":"quote","start":719.465,"end":719.78503,"confidence":0.9980469,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.16438579559326172},{"word":"to","start":719.78503,"end":719.865,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13494527339935303},{"word":"sign","start":719.865,"end":720.185,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.10029790550470352},{"word":"off","start":720.185,"end":720.34503,"confidence":0.97314453,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.10637342929840088},{"word":"on","start":720.34503,"end":720.745,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12088911980390547},{"word":"with","start":720.745,"end":720.905,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16139771044254303},{"word":"the","start":720.905,"end":721.065,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16901572048664093},{"word":"statement","start":721.065,"end":721.465,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.19906222820281985},{"word":"of","start":721.465,"end":721.705,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18447653949260712},{"word":"advice","start":721.705,"end":722.205,"confidence":0.7922363,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.1433992236852646},{"word":"and","start":722.585,"end":723.065,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13921740651130676},{"word":"then","start":723.065,"end":723.465,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12650077044963837},{"word":"i","start":723.465,"end":723.865,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1017184779047966},{"word":"basically","start":723.865,"end":724.34503,"confidence":0.93603516,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.10914503037929536},{"word":"just","start":724.34503,"end":724.66504,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11541962623596191},{"word":"need","start":724.66504,"end":724.905,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10873091965913773},{"word":"to","start":724.905,"end":724.98505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10672011226415634},{"word":"get","start":724.98505,"end":725.145,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10437221825122832},{"word":"you","start":725.145,"end":725.305,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12650954723358154},{"word":"booked","start":725.305,"end":725.54504,"confidence":0.99609375,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.16116490960121155},{"word":"in","start":725.54504,"end":725.78503,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14365963637828827},{"word":"with","start":725.78503,"end":726.10504,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14838257431983948},{"word":"jack","start":726.10504,"end":726.34503,"confidence":0.99316406,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":0.08108779788017273},{"word":"to","start":726.34503,"end":726.505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11995385587215424},{"word":"go","start":726.505,"end":726.745,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1109975129365921},{"word":"through","start":726.745,"end":727.245,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10954378545284273},{"word":"the","start":727.705,"end":727.945,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06379041075706482},{"word":"application","start":727.945,"end":728.445,"confidence":0.9980469,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.07136982679367065},{"word":"form","start":728.585,"end":728.98505,"confidence":0.99609375,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.0472731776535511},{"word":"when","start":728.98505,"end":729.22504,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04560546576976776},{"word":"you","start":729.22504,"end":729.385,"confidence":0.94140625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06990201771259308},{"word":"do","start":729.385,"end":729.54504,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05815984681248665},{"word":"have","start":729.54504,"end":729.705,"confidence":0.9243164,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.054779939353466034},{"word":"some","start":729.705,"end":730.08,"confidence":0.69677734,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.044696107506752014},{"word":"time","start":734.16003,"end":734.32,"confidence":0.9885254,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.06406808644533157},{"word":"i've","start":734.32,"end":734.56,"confidence":0.9892578,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05945473536849022},{"word":"got","start":734.56,"end":735.06,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.055539075285196304},{"word":"they","start":735.44,"end":735.60004,"confidence":0.99316406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05435212329030037},{"word":"do","start":735.60004,"end":735.76,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05375412851572037},{"word":"have","start":735.76,"end":735.92004,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.046310316771268845},{"word":"an","start":735.92004,"end":736.16003,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.020112160593271255},{"word":"expiry","start":736.16003,"end":736.64,"confidence":0.9926758,"punctuated_word":"expiry","sentiment":"neutral","sentiment_score":0.027093512937426567},{"word":"on","start":736.64,"end":736.72003,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.028469305485486984},{"word":"it","start":736.72003,"end":736.88,"confidence":0.984375,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.035667430609464645},{"word":"but","start":736.88,"end":737.2,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.025059588253498077},{"word":"i've","start":737.2,"end":737.28,"confidence":0.99658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.033715978264808655},{"word":"got","start":737.28,"end":737.78,"confidence":0.9902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03660836070775986},{"word":"we","start":738.72003,"end":739.04004,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05815296620130539},{"word":"we","start":739.04004,"end":739.2,"confidence":0.9536133,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05878975987434387},{"word":"did","start":739.2,"end":739.36005,"confidence":0.96875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07730680704116821},{"word":"a","start":739.36005,"end":739.44,"confidence":0.78027344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06834553182125092},{"word":"bit","start":739.44,"end":739.60004,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.060949452221393585},{"word":"of","start":739.60004,"end":739.68,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.047390252351760864},{"word":"an","start":739.68,"end":739.84,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05766111612319946},{"word":"updated","start":739.84,"end":740.32,"confidence":0.98535156,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.0490080751478672},{"word":"one","start":740.32,"end":740.82,"confidence":0.9946289,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05674052983522415},{"word":"i've","start":742.8,"end":742.96,"confidence":0.92163086,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.17643356323242188},{"word":"sent","start":742.96,"end":743.28,"confidence":0.99609375,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.19836820662021637},{"word":"away","start":743.28,"end":743.60004,"confidence":0.83447266,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.19929689168930056},{"word":"for","start":743.60004,"end":743.68,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16247503459453583},{"word":"an","start":743.68,"end":743.92004,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15965379774570465},{"word":"updated","start":743.92004,"end":744.285,"confidence":0.8774414,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12882889807224274},{"word":"one","start":744.52496,"end":744.76495,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14864730834960938},{"word":"to","start":744.76495,"end":745.08496,"confidence":0.37597656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1537894755601883},{"word":"just","start":745.08496,"end":745.245,"confidence":0.63671875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1699126362800598},{"word":"keep","start":745.245,"end":745.565,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.18483389914035797},{"word":"refreshing","start":745.565,"end":745.96497,"confidence":1.0,"punctuated_word":"refreshing","sentiment":"neutral","sentiment_score":0.12117376923561096},{"word":"it","start":745.96497,"end":746.125,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16850236058235168},{"word":"every","start":746.125,"end":746.44495,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.12520620226860046},{"word":"thirty","start":746.44495,"end":746.685,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.14788109064102173},{"word":"days","start":746.685,"end":746.925,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.11659272015094756},{"word":"because","start":746.925,"end":747.245,"confidence":0.9140625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.14135722815990448},{"word":"it","start":747.245,"end":747.40497,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11020846664905548},{"word":"expires","start":747.40497,"end":747.90497,"confidence":0.7910156,"punctuated_word":"expires.","sentiment":"neutral","sentiment_score":0.10938885807991028},{"word":"this","start":748.20496,"end":748.365,"confidence":0.9902344,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.11636311560869216},{"word":"one","start":748.365,"end":748.605,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08951888978481293},{"word":"expires","start":748.605,"end":749.08496,"confidence":0.99609375,"punctuated_word":"expires","sentiment":"neutral","sentiment_score":0.13837039470672607},{"word":"on","start":749.08496,"end":749.32495,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10473337769508362},{"word":"the","start":749.32495,"end":749.485,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09634995460510254},{"word":"september","start":749.485,"end":750.255,"confidence":0.99194336,"punctuated_word":"September","sentiment":"neutral","sentiment_score":0.0868048220872879},{"word":"24","start":750.255,"end":751.025,"confidence":0.99194336,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.11609931290149687},{"word":"which","start":751.725,"end":752.045,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1113845705986023},{"word":"is","start":752.045,"end":752.545,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08525323122739792},{"word":"thursday","start":753.32495,"end":753.82495,"confidence":0.93359375,"punctuated_word":"Thursday","sentiment":"neutral","sentiment_score":0.0964321345090866},{"word":"after","start":754.045,"end":754.44495,"confidence":0.9506836,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.0882006362080574},{"word":"next","start":754.44495,"end":754.94495,"confidence":0.9008789,"punctuated_word":"next,","sentiment":"neutral","sentiment_score":0.11218556016683578},{"word":"but","start":755.08496,"end":755.32495,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1330937147140503},{"word":"i","start":755.32495,"end":755.40497,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13283109664916992},{"word":"will","start":755.40497,"end":755.725,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.14142541587352753},{"word":"have","start":755.725,"end":755.96497,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1567305326461792},{"word":"another","start":755.96497,"end":756.365,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.15181171894073486},{"word":"one","start":756.365,"end":756.865,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12524229288101196},{"word":"received","start":757.08496,"end":757.58496,"confidence":0.69628906,"punctuated_word":"received","sentiment":"neutral","sentiment_score":0.15920016169548035},{"word":"by","start":757.805,"end":757.96497,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.13473278284072876},{"word":"that","start":757.96497,"end":758.22,"confidence":0.9453125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17012366652488708},{"word":"point","start":758.45996,"end":758.81995,"confidence":0.99609375,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.1364160031080246},{"word":"so","start":758.81995,"end":759.18,"confidence":0.5776367,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2063874900341034},{"word":"basically","start":759.18,"end":759.68,"confidence":0.99902344,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.19767822325229645},{"word":"any","start":760.13995,"end":760.54,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.22330105304718015},{"word":"dates","start":760.54,"end":761.04,"confidence":0.78222656,"punctuated_word":"dates","sentiment":"neutral","sentiment_score":0.1750042587518692},{"word":"or","start":761.1,"end":761.42,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1954069882631302},{"word":"times","start":761.42,"end":761.81995,"confidence":0.9013672,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.15840330719947815},{"word":"that","start":761.81995,"end":762.06,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24101877212524417},{"word":"kind","start":762.06,"end":762.22,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.14483973383903503},{"word":"of","start":762.22,"end":762.37994,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16864299774169922},{"word":"work","start":762.37994,"end":762.62,"confidence":0.81933594,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2140236496925354},{"word":"for","start":762.62,"end":762.77997,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28534406423568726},{"word":"you","start":762.77997,"end":763.27997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2831088900566101},{"word":"will","start":763.57996,"end":763.89996,"confidence":0.6040039,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3115142583847046},{"word":"have","start":763.89996,"end":764.13995,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3511641323566437},{"word":"one","start":764.13995,"end":764.62,"confidence":0.9421387,"punctuated_word":"one,","sentiment":"positive","sentiment_score":0.36342477798461914},{"word":"like","start":764.62,"end":765.01996,"confidence":0.98583984,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.376594752073288},{"word":"refreshed","start":765.01996,"end":765.5,"confidence":0.9165039,"punctuated_word":"refreshed","sentiment":"positive","sentiment_score":0.3626391589641571},{"word":"and","start":765.5,"end":765.66,"confidence":0.95947266,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3700047433376312},{"word":"ready","start":765.66,"end":765.98,"confidence":0.9790039,"punctuated_word":"ready","sentiment":"positive","sentiment_score":0.5005684494972229},{"word":"to","start":765.98,"end":766.06,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3653448820114136},{"word":"go","start":766.06,"end":766.56,"confidence":0.9980469,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.26115232706069946},{"word":"do","start":771.18,"end":771.33997,"confidence":0.9194336,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03383658826351166},{"word":"you","start":771.33997,"end":771.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04650910198688507},{"word":"want","start":771.5,"end":771.66,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04417865350842476},{"word":"me","start":771.66,"end":771.81995,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0855858102440834},{"word":"to","start":771.81995,"end":771.89996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0710035115480423},{"word":"kind","start":771.89996,"end":772.13995,"confidence":0.88671875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07313412427902222},{"word":"of","start":772.13995,"end":772.22,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08274601399898529},{"word":"book","start":772.22,"end":772.45996,"confidence":0.90771484,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.08664140105247498},{"word":"something","start":772.45996,"end":772.77997,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.13327346742153168},{"word":"in","start":772.77997,"end":773.01996,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11142659187316896},{"word":"now","start":773.01996,"end":773.25995,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.12991905212402344},{"word":"or","start":773.25995,"end":773.5,"confidence":0.8330078,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09002670645713806},{"word":"just","start":773.5,"end":773.66,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11377424746751784},{"word":"get","start":773.66,"end":773.89996,"confidence":0.9892578,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11671675741672516},{"word":"the","start":773.89996,"end":774.015,"confidence":0.6040039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14823919534683228},{"word":"team","start":774.09503,"end":774.175,"confidence":0.9658203,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.10233067721128464},{"word":"to","start":774.175,"end":774.335,"confidence":0.6542969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10690273344516754},{"word":"sort","start":774.335,"end":774.41504,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12625576555728912},{"word":"of","start":774.41504,"end":774.495,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11494694650173189},{"word":"reach","start":774.495,"end":774.895,"confidence":0.99902344,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.12239930033683775},{"word":"out","start":774.895,"end":775.135,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11260652542114258},{"word":"next","start":775.135,"end":775.375,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.13061894476413727},{"word":"week","start":775.375,"end":775.53503,"confidence":0.9790039,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.12170492857694626},{"word":"and","start":775.53503,"end":775.85504,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10553091019392014},{"word":"and","start":775.85504,"end":776.015,"confidence":0.8959961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09635914117097856},{"word":"see","start":776.015,"end":776.255,"confidence":0.94921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09178468585014345},{"word":"a","start":776.255,"end":776.335,"confidence":0.6123047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09434295445680618},{"word":"traveler","start":776.335,"end":776.835,"confidence":0.86206055,"punctuated_word":"traveler?","sentiment":"neutral","sentiment_score":0.082800954580307},{"word":"yep","start":801.64496,"end":802.14496,"confidence":0.98217773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04962799698114395},{"word":"cool","start":806.045,"end":806.52496,"confidence":0.9790039,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5422539710998535},{"word":"i'll","start":806.52496,"end":806.685,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.26195359230041504},{"word":"put","start":806.685,"end":806.845,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2770002484321594},{"word":"in","start":806.845,"end":806.96497,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2699325680732727},{"word":"a","start":806.96497,"end":807.08496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22865454852581024},{"word":"bit","start":807.08496,"end":807.245,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.192837193608284},{"word":"of","start":807.245,"end":807.40497,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24472996592521667},{"word":"a","start":807.40497,"end":807.565,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23506473004817963},{"word":"tentative","start":807.565,"end":807.96497,"confidence":0.9970703,"punctuated_word":"tentative","sentiment":"neutral","sentiment_score":0.2096361219882965},{"word":"one","start":807.96497,"end":808.20496,"confidence":0.79003906,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.21589912474155423},{"word":"and","start":808.20496,"end":808.365,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10011156648397446},{"word":"then","start":808.365,"end":808.685,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10826881974935532},{"word":"if","start":808.685,"end":808.925,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12495510280132294},{"word":"we","start":808.925,"end":809.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09547652304172516},{"word":"need","start":809.005,"end":809.245,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07435932010412216},{"word":"to","start":809.245,"end":809.40497,"confidence":0.9980469,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.08198563009500504},{"word":"i'll","start":809.40497,"end":809.64496,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08890721201896667},{"word":"just","start":809.64496,"end":809.805,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11568258702754974},{"word":"get","start":809.805,"end":809.96497,"confidence":0.9921875,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10854945331811904},{"word":"jack","start":809.96497,"end":810.20496,"confidence":0.9560547,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":0.09533000737428664},{"word":"to","start":810.20496,"end":810.365,"confidence":0.90478516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13247843086719513},{"word":"kind","start":810.365,"end":810.685,"confidence":0.9375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1386648714542389},{"word":"of","start":810.685,"end":810.925,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1342466026544571},{"word":"bump","start":810.925,"end":811.165,"confidence":0.97314453,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.12294483929872511},{"word":"it","start":811.165,"end":811.32495,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15931877493858335},{"word":"along","start":811.32495,"end":811.82495,"confidence":1.0,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.12653155624866486},{"word":"on","start":812.365,"end":812.52496,"confidence":0.95410156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11467832326889038},{"word":"the","start":812.52496,"end":812.685,"confidence":0.9482422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042058415710926056},{"word":"days","start":812.685,"end":813.185,"confidence":0.609375,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.04803413152694702},{"word":"if","start":813.485,"end":813.64496,"confidence":0.5805664,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07026614993810654},{"word":"it's","start":813.64496,"end":813.88495,"confidence":0.87939453,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06566692888736725},{"word":"so","start":813.88495,"end":814.38495,"confidence":0.6113281,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.06471167504787445},{"word":"let","start":814.845,"end":815.08496,"confidence":0.98535156,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.047095052897930145},{"word":"me","start":815.08496,"end":815.32495,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06240565702319145},{"word":"have","start":815.32495,"end":815.485,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06479443609714508},{"word":"a","start":815.485,"end":815.76,"confidence":0.8520508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05596831440925598},{"word":"quick","start":823.2,"end":823.7,"confidence":0.98828125,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.10603662580251694},{"word":"look","start":825.28,"end":825.78,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12650975584983826},{"word":"there","start":827.68,"end":828.16003,"confidence":0.8757324,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.18070495128631592},{"word":"perfect","start":828.16003,"end":828.555,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6137622594833374},{"word":"so","start":828.795,"end":829.035,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16687323153018951},{"word":"what","start":829.035,"end":829.355,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1822489947080612},{"word":"i","start":829.355,"end":829.435,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13142503798007965},{"word":"might","start":829.435,"end":829.675,"confidence":0.99121094,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.18825064599514008},{"word":"do","start":829.675,"end":830.175,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17657950520515442},{"word":"is","start":830.555,"end":831.055,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13068927824497223},{"word":"i'll","start":831.355,"end":831.595,"confidence":0.9885254,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0991366058588028},{"word":"put","start":831.595,"end":831.755,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.09375474601984024},{"word":"a","start":831.755,"end":831.835,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1272333711385727},{"word":"bit","start":831.835,"end":831.995,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1607687771320343},{"word":"of","start":831.995,"end":832.15497,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17883265018463135},{"word":"a","start":832.15497,"end":832.395,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12710414826869965},{"word":"rolling","start":832.395,"end":832.71497,"confidence":0.99902344,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.0986952930688858},{"word":"one","start":832.71497,"end":832.955,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11754709482192992},{"word":"in","start":832.955,"end":833.195,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12010922282934187},{"word":"for","start":833.195,"end":833.435,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1211022436618805},{"word":"about","start":833.435,"end":833.935,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09930945187807085},{"word":"2pm","start":835.035,"end":835.935,"confidence":0.9980469,"punctuated_word":"2PM","sentiment":"neutral","sentiment_score":0.1013864055275917},{"word":"on","start":836.555,"end":837.055,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1126655787229538},{"word":"tuesday","start":837.115,"end":837.615,"confidence":0.99853516,"punctuated_word":"Tuesday,","sentiment":"neutral","sentiment_score":0.12913623452186584},{"word":"wednesday","start":837.835,"end":838.335,"confidence":0.99853516,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.12912848591804504},{"word":"thursday","start":838.395,"end":838.895,"confidence":0.85668945,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":0.12021435797214508},{"word":"and","start":839.355,"end":839.595,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09503541141748428},{"word":"then","start":839.595,"end":839.915,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.100549578666687},{"word":"i'll","start":839.915,"end":840.075,"confidence":0.9946289,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11743605136871338},{"word":"basically","start":840.075,"end":840.555,"confidence":0.9370117,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1264583021402359},{"word":"just","start":840.555,"end":840.795,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12216842919588088},{"word":"get","start":840.795,"end":841.035,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13209909200668335},{"word":"the","start":841.035,"end":841.195,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16040369868278503},{"word":"guys","start":841.195,"end":841.355,"confidence":0.8984375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.16957683861255646},{"word":"to","start":841.355,"end":841.56,"confidence":0.5488281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.146897554397583},{"word":"give","start":841.64,"end":841.72,"confidence":0.99316406,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12403860688209534},{"word":"you","start":841.72,"end":841.88,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.174467533826828},{"word":"a","start":841.88,"end":841.96,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16762903332710266},{"word":"buzz","start":841.96,"end":842.44,"confidence":0.99902344,"punctuated_word":"buzz","sentiment":"neutral","sentiment_score":0.270077645778656},{"word":"at","start":842.44,"end":842.68,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1857607215642929},{"word":"that","start":842.68,"end":842.84,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2198190689086914},{"word":"time","start":842.84,"end":843.16,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1727099567651749},{"word":"each","start":843.16,"end":843.48,"confidence":0.9970703,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.19272322952747345},{"word":"day","start":843.48,"end":843.96,"confidence":0.93847656,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.15386995673179626},{"word":"and","start":843.96,"end":844.2,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1026209443807602},{"word":"if","start":844.2,"end":844.36,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10545100271701811},{"word":"it","start":844.36,"end":844.68,"confidence":0.9560547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11357766389846802},{"word":"lines","start":844.68,"end":845.0,"confidence":0.484375,"punctuated_word":"lines","sentiment":"neutral","sentiment_score":0.12853951752185822},{"word":"up","start":845.0,"end":845.32,"confidence":0.9975586,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.1199055090546608},{"word":"he","start":845.32,"end":845.4,"confidence":0.6386719,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.10232117027044296},{"word":"can","start":845.4,"end":845.56,"confidence":0.8598633,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08744434267282486},{"word":"basically","start":845.56,"end":846.04,"confidence":0.98291016,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.10062135756015778},{"word":"just","start":846.04,"end":846.2,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09040356427431108},{"word":"spend","start":846.2,"end":846.44,"confidence":0.9873047,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.06888756901025772},{"word":"that","start":846.44,"end":846.68,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1350665986537933},{"word":"fifteen","start":846.68,"end":847.08,"confidence":0.9921875,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":0.11629319190979004},{"word":"minutes","start":847.08,"end":847.58,"confidence":0.8798828,"punctuated_word":"minutes,","sentiment":"neutral","sentiment_score":0.11553659290075302},{"word":"update","start":847.96,"end":848.36,"confidence":0.9604492,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0938667207956314},{"word":"some","start":848.36,"end":848.86,"confidence":0.96875,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.006197937298566103},{"word":"some","start":848.92,"end":849.24,"confidence":0.9482422,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.015288537368178368},{"word":"health","start":849.24,"end":849.48,"confidence":0.9941406,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.024213630706071857},{"word":"info","start":849.48,"end":849.98,"confidence":0.8334961,"punctuated_word":"info,","sentiment":"neutral","sentiment_score":0.02864740788936615},{"word":"occupational","start":850.12,"end":850.62,"confidence":0.484375,"punctuated_word":"occupational","sentiment":"neutral","sentiment_score":0.04181283712387085},{"word":"info","start":850.84,"end":851.34,"confidence":0.94628906,"punctuated_word":"info.","sentiment":"neutral","sentiment_score":0.04631999135017395},{"word":"beautiful","start":855.48,"end":855.98,"confidence":0.97680664,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6313695907592773},{"word":"again","start":856.27997,"end":856.605,"confidence":0.9736328,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.21599167585372925},{"word":"if","start":856.685,"end":856.76495,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15852834284305573},{"word":"there's","start":856.76495,"end":857.005,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.051208820194005966},{"word":"anything","start":857.005,"end":857.505,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.008907705545425415},{"word":"different","start":857.64496,"end":858.14496,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.061683326959609985},{"word":"from","start":858.20496,"end":858.445,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.027673371136188507},{"word":"the","start":858.445,"end":858.605,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027379922568798065},{"word":"original","start":858.605,"end":859.08496,"confidence":1.0,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.021227896213531498},{"word":"application","start":859.08496,"end":859.58496,"confidence":0.8413086,"punctuated_word":"application,","sentiment":"neutral","sentiment_score":0.03307168185710907},{"word":"like","start":859.64496,"end":859.96497,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.011469066143035889},{"word":"health","start":859.96497,"end":860.285,"confidence":0.5366211,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.016137748956680298},{"word":"wise","start":860.285,"end":860.785,"confidence":0.95288086,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":-0.03023472800850868},{"word":"they","start":860.845,"end":861.08496,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07334738224744797},{"word":"may","start":861.08496,"end":861.245,"confidence":0.90722656,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.04235607385635376},{"word":"come","start":861.245,"end":861.485,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.07553353905677795},{"word":"back","start":861.485,"end":861.725,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.06818100064992905},{"word":"with","start":861.725,"end":861.96497,"confidence":0.9194336,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.021667826920747757},{"word":"you","start":861.96497,"end":862.20496,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016544461250305176},{"word":"know","start":862.20496,"end":862.52496,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.015895087271928787},{"word":"loadings","start":862.52496,"end":863.005,"confidence":0.8811035,"punctuated_word":"loadings","sentiment":"neutral","sentiment_score":-0.022996818646788597},{"word":"and","start":863.005,"end":863.32495,"confidence":0.9448242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06571430712938309},{"word":"exclusions","start":863.32495,"end":863.82495,"confidence":0.99560547,"punctuated_word":"exclusions","sentiment":"neutral","sentiment_score":-0.08871836960315704},{"word":"and","start":863.96497,"end":864.285,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08888213336467743},{"word":"price","start":864.285,"end":864.605,"confidence":0.9970703,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.09792522341012956},{"word":"changes","start":864.605,"end":865.08496,"confidence":0.99316406,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.07959035784006119},{"word":"and","start":865.08496,"end":865.165,"confidence":0.8803711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.024038046598434448},{"word":"that","start":865.165,"end":865.40497,"confidence":0.65722656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010413289070129396},{"word":"kind","start":865.40497,"end":865.64496,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.006376080214977264},{"word":"of","start":865.64496,"end":865.805,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024751834571361545},{"word":"thing","start":865.805,"end":866.285,"confidence":0.96484375,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.02788250148296356},{"word":"so","start":866.285,"end":866.605,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06105770915746689},{"word":"just","start":866.605,"end":867.005,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0871843546628952},{"word":"see","start":867.005,"end":867.165,"confidence":0.97509766,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02370770275592804},{"word":"how","start":867.165,"end":867.32495,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03495793044567108},{"word":"you","start":867.32495,"end":867.40497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.045947909355163574},{"word":"go","start":867.40497,"end":867.565,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.057228848338127136},{"word":"with","start":867.565,"end":867.725,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06500084698200226},{"word":"it","start":867.725,"end":868.225,"confidence":0.9941406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06322357058525085},{"word":"if","start":869.08496,"end":869.245,"confidence":0.9790039,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.09910555183887482},{"word":"it","start":869.245,"end":869.40497,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1545470654964447},{"word":"becomes","start":869.40497,"end":869.725,"confidence":0.9970703,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":-0.1796421259641647},{"word":"too","start":869.725,"end":869.96497,"confidence":0.9921875,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.21764303743839264},{"word":"difficult","start":869.96497,"end":870.285,"confidence":0.9914551,"punctuated_word":"difficult,","sentiment":"neutral","sentiment_score":-0.1766093671321869},{"word":"just","start":870.285,"end":870.54,"confidence":0.92578125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.144846111536026},{"word":"let","start":870.62,"end":870.86,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.08622700721025467},{"word":"us","start":870.86,"end":870.94,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.03764571249485016},{"word":"know","start":870.94,"end":871.44,"confidence":0.9970703,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.03155094012618065},{"word":"if","start":871.66,"end":871.89996,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.08873894810676575},{"word":"it's","start":871.89996,"end":872.06,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11919255554676056},{"word":"a","start":872.06,"end":872.22,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2943069636821747},{"word":"good","start":872.22,"end":872.45996,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3573945164680481},{"word":"outcome","start":872.45996,"end":872.94,"confidence":0.99316406,"punctuated_word":"outcome,","sentiment":"positive","sentiment_score":0.39178621768951416},{"word":"we'll","start":872.94,"end":873.18,"confidence":0.9770508,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.3647603392601013},{"word":"basically","start":873.18,"end":873.57996,"confidence":0.6953125,"punctuated_word":"basically","sentiment":"positive","sentiment_score":0.3618869185447693},{"word":"just","start":873.57996,"end":873.74,"confidence":0.9921875,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3547089993953705},{"word":"submit","start":873.74,"end":873.98,"confidence":0.99316406,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.30264905095100403},{"word":"it","start":873.98,"end":874.13995,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26960816979408264},{"word":"if","start":874.13995,"end":874.3,"confidence":0.84765625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24190488457679749},{"word":"there's","start":874.3,"end":874.54,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.17102840542793274},{"word":"no","start":874.54,"end":874.69995,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1007598340511322},{"word":"changes","start":874.69995,"end":875.19995,"confidence":0.9980469,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.05481230095028877},{"word":"if","start":875.5,"end":875.82,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11908619850873949},{"word":"there","start":875.82,"end":875.89996,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07584764063358307},{"word":"is","start":875.89996,"end":876.13995,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07717084139585495},{"word":"anything","start":876.13995,"end":876.54,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.10705282539129256},{"word":"flagged","start":876.54,"end":877.01996,"confidence":0.8642578,"punctuated_word":"flagged,","sentiment":"neutral","sentiment_score":0.08605332672595978},{"word":"they'll","start":877.01996,"end":877.25995,"confidence":0.99365234,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.14534461498260498},{"word":"probably","start":877.25995,"end":877.5,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.18236926198005676},{"word":"just","start":877.5,"end":877.66,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16076360642910004},{"word":"book","start":877.66,"end":877.89996,"confidence":0.87353516,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.16212622821331024},{"word":"you","start":877.89996,"end":878.06,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19168682396411896},{"word":"back","start":878.06,"end":878.22,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.16681650280952454},{"word":"in","start":878.22,"end":878.38,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19007444381713867},{"word":"with","start":878.38,"end":878.54,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18512438237667084},{"word":"me","start":878.54,"end":878.69995,"confidence":0.9951172,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.22418226301670072},{"word":"to","start":878.69995,"end":878.86,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2126893252134323},{"word":"have","start":878.86,"end":879.01996,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22359317541122437},{"word":"a","start":879.01996,"end":879.1,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1853780448436737},{"word":"quick","start":879.1,"end":879.33997,"confidence":0.9838867,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.17532530426979065},{"word":"chat","start":879.33997,"end":879.83997,"confidence":0.9741211,"punctuated_word":"chat.","sentiment":"neutral","sentiment_score":0.18452544510364532},{"word":"beautiful","start":882.86,"end":883.36,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6316973567008972},{"word":"alright","start":883.89996,"end":884.3,"confidence":0.7741699,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.44058582186698914},{"word":"so","start":884.3,"end":884.45996,"confidence":0.9863281,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4688206613063812},{"word":"i'll","start":884.45996,"end":884.54,"confidence":0.7590332,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.48031899333000183},{"word":"send","start":884.54,"end":884.86,"confidence":0.98828125,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.5067031383514404},{"word":"all","start":884.86,"end":885.01996,"confidence":0.99609375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5250893235206604},{"word":"that","start":885.01996,"end":885.18,"confidence":0.9951172,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5415430068969727},{"word":"off","start":885.18,"end":885.405,"confidence":0.9589844,"punctuated_word":"off","sentiment":"positive","sentiment_score":0.5082972049713135},{"word":"to","start":887.885,"end":887.89166,"confidence":0.6113281,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.521543025970459},{"word":"you","start":887.89166,"end":887.8983,"confidence":0.95581055,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5446385145187378},{"word":"that's","start":887.8983,"end":887.905,"confidence":0.9951172,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5961183905601501},{"word":"all","start":887.905,"end":887.9117,"confidence":0.9760742,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6274735927581787},{"word":"ready","start":887.9117,"end":887.91833,"confidence":0.9873047,"punctuated_word":"ready","sentiment":"positive","sentiment_score":0.7275074124336243},{"word":"to","start":887.91833,"end":887.92505,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6757932305335999},{"word":"go","start":887.92505,"end":887.9317,"confidence":0.82373047,"punctuated_word":"go,","sentiment":"positive","sentiment_score":0.6055872440338135},{"word":"and","start":887.9317,"end":887.93835,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5071156024932861},{"word":"i've","start":887.93835,"end":887.945,"confidence":0.859375,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.48351120948791504},{"word":"put","start":887.945,"end":887.95166,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.4420471489429474},{"word":"in","start":887.95166,"end":887.9584,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.42691805958747864},{"word":"that","start":887.9584,"end":887.965,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46824216842651367},{"word":"sort","start":887.965,"end":888.28503,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.316806823015213},{"word":"of","start":888.28503,"end":888.60504,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.38765114545822144},{"word":"rolling","start":888.60504,"end":889.085,"confidence":0.9970703,"punctuated_word":"rolling","sentiment":"positive","sentiment_score":0.381963849067688},{"word":"booking","start":889.085,"end":889.405,"confidence":0.97802734,"punctuated_word":"booking","sentiment":"positive","sentiment_score":0.4359573423862457},{"word":"for","start":889.405,"end":889.565,"confidence":0.9580078,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3950217366218567},{"word":"tuesday","start":889.565,"end":889.885,"confidence":0.9975586,"punctuated_word":"Tuesday,","sentiment":"positive","sentiment_score":0.3511282801628113},{"word":"wednesday","start":889.885,"end":890.28503,"confidence":0.9975586,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.3274306058883667},{"word":"thursday","start":890.28503,"end":890.78503,"confidence":0.99560547,"punctuated_word":"Thursday.","sentiment":"positive","sentiment_score":0.37154537439346313},{"word":"anything","start":891.645,"end":892.04504,"confidence":0.98828125,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.30902019143104553},{"word":"else","start":892.04504,"end":892.205,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.2549530863761902},{"word":"you","start":892.205,"end":892.36505,"confidence":0.9550781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19361963868141177},{"word":"can","start":892.36505,"end":892.525,"confidence":0.9921875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1703866422176361},{"word":"think","start":892.525,"end":892.68506,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.20744775235652924},{"word":"of","start":892.68506,"end":892.84503,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2211354374885559},{"word":"that","start":892.84503,"end":893.005,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1551167368888855},{"word":"i","start":893.005,"end":893.085,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1557512879371643},{"word":"can","start":893.085,"end":893.24506,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2248740196228027},{"word":"help","start":893.24506,"end":893.405,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.27393674850463867},{"word":"out","start":893.405,"end":893.565,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2895164489746094},{"word":"with","start":893.565,"end":894.065,"confidence":0.99902344,"punctuated_word":"with?","sentiment":"neutral","sentiment_score":0.15082408487796783},{"word":"and","start":924.665,"end":924.90497,"confidence":0.43847656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.003513246774673462},{"word":"in","start":924.90497,"end":925.065,"confidence":0.9589844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0008984468877315521},{"word":"that","start":925.065,"end":925.305,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004023943096399307},{"word":"space","start":925.305,"end":925.705,"confidence":0.9863281,"punctuated_word":"space","sentiment":"neutral","sentiment_score":0.010841384530067444},{"word":"too","start":925.705,"end":926.02496,"confidence":0.7854004,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":0.01661982573568821},{"word":"so","start":926.02496,"end":926.52496,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04049672931432724},{"word":"i've","start":926.665,"end":926.825,"confidence":0.9941406,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05917355418205261},{"word":"been","start":926.825,"end":926.985,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.059711046516895294},{"word":"meeting","start":926.985,"end":927.305,"confidence":0.9970703,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.08063685148954391},{"word":"up","start":927.305,"end":927.46497,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07778634876012802},{"word":"with","start":927.46497,"end":927.66,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09161189943552016},{"word":"all","start":927.81995,"end":928.06,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09706240892410278},{"word":"the","start":928.06,"end":928.13995,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07531636208295822},{"word":"brokers","start":928.13995,"end":928.62,"confidence":0.9902344,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":0.04519516974687576},{"word":"that","start":928.62,"end":928.77997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07748584449291229},{"word":"we","start":928.77997,"end":928.94,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05979946255683899},{"word":"talked","start":928.94,"end":929.18,"confidence":0.65185547,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.056383825838565826},{"word":"to","start":929.18,"end":929.68,"confidence":0.84594727,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.0691954642534256},{"word":"and","start":929.81995,"end":930.31995,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04846571758389473},{"word":"we've","start":930.62,"end":930.94,"confidence":0.9511719,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1098506897687912},{"word":"just","start":930.94,"end":931.1,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11371969431638718},{"word":"been","start":931.1,"end":931.33997,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.10477963089942932},{"word":"discussing","start":931.33997,"end":931.81995,"confidence":1.0,"punctuated_word":"discussing","sentiment":"neutral","sentiment_score":0.10332036763429642},{"word":"as","start":931.81995,"end":932.06,"confidence":0.9350586,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07804910093545914},{"word":"a","start":932.06,"end":932.13995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10009753704071044},{"word":"group","start":932.13995,"end":932.54,"confidence":1.0,"punctuated_word":"group","sentiment":"neutral","sentiment_score":0.10032863169908524},{"word":"kind","start":932.54,"end":932.69995,"confidence":0.93603516,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10068810731172562},{"word":"of","start":932.69995,"end":933.19995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10957659035921095},{"word":"what","start":933.42,"end":933.66,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11917425692081451},{"word":"options","start":933.66,"end":934.06,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.061186663806438446},{"word":"are","start":934.06,"end":934.13995,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07448158413171768},{"word":"left","start":934.13995,"end":934.37994,"confidence":0.9970703,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.102578803896904},{"word":"on","start":934.37994,"end":934.54,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07607904076576233},{"word":"the","start":934.54,"end":934.69995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07845719903707504},{"word":"table","start":934.69995,"end":935.1,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.08132097870111465},{"word":"these","start":935.1,"end":935.25995,"confidence":0.9980469,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.07308924198150635},{"word":"days","start":935.25995,"end":935.5,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.08304943889379501},{"word":"between","start":935.5,"end":935.81995,"confidence":0.9243164,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.06674820929765701},{"word":"you","start":935.81995,"end":935.98,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04790429398417473},{"word":"know","start":935.98,"end":936.22,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.043954066932201385},{"word":"commercial","start":936.22,"end":936.72,"confidence":0.98291016,"punctuated_word":"commercial","sentiment":"neutral","sentiment_score":0.05834626033902168},{"word":"property","start":936.77997,"end":937.27997,"confidence":0.9916992,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.038646891713142395},{"word":"unit","start":937.66,"end":937.98,"confidence":0.9902344,"punctuated_word":"unit","sentiment":"neutral","sentiment_score":0.04543443024158478},{"word":"trust","start":937.98,"end":938.3,"confidence":0.8757324,"punctuated_word":"trust,","sentiment":"neutral","sentiment_score":0.05714453011751175},{"word":"and","start":938.3,"end":938.45996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05636107921600342},{"word":"a","start":938.45996,"end":938.54,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06286861002445221},{"word":"few","start":938.54,"end":938.77997,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05724898725748062},{"word":"other","start":938.77997,"end":939.01996,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06615059077739716},{"word":"things","start":939.01996,"end":939.33997,"confidence":0.9970703,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.07069540023803711},{"word":"so","start":939.33997,"end":939.675,"confidence":0.8339844,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.09484505653381348},{"word":"basically","start":940.15497,"end":940.555,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.10273698717355728},{"word":"if","start":940.555,"end":940.635,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14891988039016724},{"word":"anything","start":940.635,"end":941.035,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.18246354162693024},{"word":"really","start":941.035,"end":941.355,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.14761292934417725},{"word":"exciting","start":941.355,"end":941.755,"confidence":1.0,"punctuated_word":"exciting","sentiment":"neutral","sentiment_score":0.14071080088615415},{"word":"pops","start":941.755,"end":941.995,"confidence":0.9980469,"punctuated_word":"pops","sentiment":"neutral","sentiment_score":0.2007134109735489},{"word":"up","start":941.995,"end":942.15497,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17281271517276764},{"word":"out","start":942.15497,"end":942.315,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11082006990909576},{"word":"of","start":942.315,"end":942.39496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09738344699144363},{"word":"that","start":942.39496,"end":942.89496,"confidence":0.9975586,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.12152222543954848},{"word":"i'll","start":943.035,"end":943.535,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14148661494255066},{"word":"run","start":943.595,"end":943.755,"confidence":0.9536133,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.17890284955501556},{"word":"it","start":943.755,"end":943.915,"confidence":0.6748047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16306716203689575},{"word":"by","start":943.915,"end":944.075,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1421249806880951},{"word":"you","start":944.075,"end":944.235,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16193248331546783},{"word":"as","start":944.235,"end":944.39496,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1451718658208847},{"word":"well","start":944.39496,"end":944.89496,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1579662561416626},{"word":"if","start":945.355,"end":945.475,"confidence":0.7421875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18720589578151703},{"word":"i","start":945.475,"end":945.595,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1266062706708908},{"word":"think","start":945.595,"end":945.83496,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1841847598552704},{"word":"there's","start":945.83496,"end":946.075,"confidence":0.99316406,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.15667861700057983},{"word":"a","start":946.075,"end":946.15497,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14209093153476715},{"word":"good","start":946.15497,"end":946.315,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.16310229897499084},{"word":"option","start":946.315,"end":946.635,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.09078168869018556},{"word":"there","start":946.635,"end":947.115,"confidence":0.9206543,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09089624881744383},{"word":"but","start":947.115,"end":947.515,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03048250451683998},{"word":"i","start":947.515,"end":947.83496,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01885981857776642},{"word":"definitely","start":947.83496,"end":948.235,"confidence":0.99609375,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.08629110455513},{"word":"don't","start":948.235,"end":948.475,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08023406565189362},{"word":"wanna","start":948.475,"end":948.71497,"confidence":0.671875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.11321945488452911},{"word":"dive","start":948.71497,"end":948.955,"confidence":0.99902344,"punctuated_word":"dive","sentiment":"neutral","sentiment_score":-0.12440147995948792},{"word":"in","start":948.955,"end":949.27496,"confidence":0.9550781,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11506346613168716},{"word":"into","start":949.27496,"end":949.595,"confidence":0.62402344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.11950160562992096},{"word":"anything","start":949.595,"end":949.995,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.1251780390739441},{"word":"that's","start":949.995,"end":950.235,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.11111539602279664},{"word":"gonna","start":950.235,"end":950.555,"confidence":0.97998047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.05835308879613876},{"word":"get","start":950.555,"end":950.71497,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08601994812488556},{"word":"you","start":951.435,"end":951.515,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06208060681819916},{"word":"know","start":951.515,"end":951.675,"confidence":0.9584961,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03740619868040085},{"word":"you","start":951.675,"end":951.995,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02319924533367157},{"word":"you","start":951.995,"end":952.15497,"confidence":0.9560547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03808686137199402},{"word":"start","start":952.15497,"end":952.475,"confidence":0.97998047,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.020505055785179135},{"word":"the","start":952.475,"end":952.555,"confidence":0.9370117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0215851329267025},{"word":"process","start":952.555,"end":952.955,"confidence":0.9921875,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.027804140001535416},{"word":"and","start":952.955,"end":953.115,"confidence":0.7373047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06537133455276489},{"word":"the","start":953.115,"end":953.195,"confidence":0.7763672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05076967924833298},{"word":"government","start":953.195,"end":953.49,"confidence":0.9536133,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.04010980576276779},{"word":"changes","start":953.57,"end":953.89,"confidence":0.9951172,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.10803832113742828},{"word":"the","start":953.89,"end":953.97,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06600091606378555},{"word":"rules","start":953.97,"end":954.20996,"confidence":0.9980469,"punctuated_word":"rules","sentiment":"neutral","sentiment_score":-0.09056174010038376},{"word":"on","start":954.20996,"end":954.45,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06815792620182037},{"word":"you","start":954.45,"end":954.95,"confidence":0.9470215,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.10837320983409882},{"word":"don't","start":955.41,"end":955.64996,"confidence":0.71435547,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.015765415504574776},{"word":"wanna","start":955.64996,"end":955.89,"confidence":0.85546875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.01520601473748684},{"word":"put","start":955.89,"end":956.05,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.02950689196586609},{"word":"you","start":956.05,"end":956.13,"confidence":0.92578125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04050781950354576},{"word":"in","start":956.13,"end":956.29,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.025175079703330994},{"word":"anything","start":956.29,"end":956.52997,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.027612674981355667},{"word":"where","start":956.52997,"end":956.69,"confidence":0.96777344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.05346041172742843},{"word":"they","start":956.69,"end":956.77,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0811413824558258},{"word":"can","start":956.77,"end":956.93,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07868659496307373},{"word":"pull","start":956.93,"end":957.17,"confidence":0.9980469,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.07272391766309738},{"word":"the","start":957.17,"end":957.25,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0824030339717865},{"word":"rug","start":957.25,"end":957.49,"confidence":0.9902344,"punctuated_word":"rug","sentiment":"neutral","sentiment_score":-0.05730004608631134},{"word":"out","start":957.49,"end":957.99,"confidence":0.9797363,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.05562800168991089},{"word":"cool","start":966.77,"end":967.01,"confidence":0.7373047,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5094379782676697},{"word":"absolutely","start":967.01,"end":967.51,"confidence":0.9667969,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4785940051078797},{"word":"i'll","start":968.475,"end":968.635,"confidence":0.67089844,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3609430491924286},{"word":"put","start":968.635,"end":968.795,"confidence":0.9873047,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.4125349223613739},{"word":"the","start":968.795,"end":968.955,"confidence":0.5551758,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36068636178970337},{"word":"notes","start":968.955,"end":969.275,"confidence":0.9667969,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.2639743387699127},{"word":"on","start":969.275,"end":969.435,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.29240673780441284},{"word":"file","start":969.435,"end":969.675,"confidence":0.9863281,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.294202983379364},{"word":"so","start":969.675,"end":969.995,"confidence":0.56884766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2925603687763214},{"word":"every","start":969.995,"end":970.155,"confidence":0.98535156,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.2615155577659607},{"word":"time","start":970.155,"end":970.395,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.23431627452373505},{"word":"i","start":970.395,"end":970.555,"confidence":0.796875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26831215620040894},{"word":"catch","start":970.555,"end":970.795,"confidence":0.9980469,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.28711315989494324},{"word":"up","start":970.795,"end":970.955,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.24162344634532928},{"word":"with","start":970.955,"end":971.115,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2464804649353027},{"word":"you","start":971.115,"end":971.355,"confidence":0.98217773,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.29647818207740784},{"word":"i'll","start":971.355,"end":971.59503,"confidence":0.9904785,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2973392605781555},{"word":"just","start":971.59503,"end":971.835,"confidence":0.90283203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2828693985939026},{"word":"kind","start":971.835,"end":971.995,"confidence":0.98095703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.22709572315216064},{"word":"of","start":971.995,"end":972.155,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2603188753128052},{"word":"touch","start":972.155,"end":972.315,"confidence":0.99902344,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.2595726251602173},{"word":"base","start":972.315,"end":972.815,"confidence":0.8911133,"punctuated_word":"base.","sentiment":"neutral","sentiment_score":0.26628613471984863},{"word":"and","start":973.755,"end":974.255,"confidence":0.96972656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21699684858322144},{"word":"i'll","start":974.395,"end":974.635,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19862107932567596},{"word":"put","start":974.635,"end":974.955,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.20131906867027283},{"word":"in","start":974.955,"end":975.455,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1962486207485199},{"word":"basically","start":975.755,"end":976.075,"confidence":0.9851074,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.17025096714496613},{"word":"i'm","start":976.075,"end":976.235,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2079768627882004},{"word":"gonna","start":976.235,"end":976.475,"confidence":0.8935547,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2076449692249298},{"word":"put","start":976.475,"end":976.635,"confidence":0.99609375,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.23183631896972656},{"word":"a","start":976.635,"end":976.795,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23449106514453888},{"word":"flag","start":976.795,"end":977.03503,"confidence":0.9135742,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.16627465188503265},{"word":"in","start":977.03503,"end":977.115,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21237018704414368},{"word":"your","start":977.115,"end":977.355,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20549720525741577},{"word":"account","start":977.355,"end":977.755,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.18950146436691284},{"word":"called","start":977.755,"end":977.995,"confidence":0.9604492,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.19730091094970703},{"word":"the","start":977.995,"end":978.315,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23326754570007324},{"word":"the","start":978.315,"end":978.475,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21916253864765167},{"word":"nli","start":978.475,"end":978.955,"confidence":0.26361084,"punctuated_word":"NLI","sentiment":"neutral","sentiment_score":0.16505791246891022},{"word":"flag","start":978.955,"end":979.355,"confidence":0.96118164,"punctuated_word":"flag,","sentiment":"neutral","sentiment_score":0.19235505163669583},{"word":"which","start":979.355,"end":979.59503,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2302490770816803},{"word":"is","start":979.59503,"end":979.755,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16086401045322418},{"word":"like","start":979.755,"end":979.915,"confidence":0.6826172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1988343447446823},{"word":"what","start":979.915,"end":980.075,"confidence":0.98535156,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1751140058040619},{"word":"we","start":980.075,"end":980.235,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16806930303573608},{"word":"did","start":980.235,"end":980.475,"confidence":0.99121094,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1681644469499588},{"word":"with","start":980.475,"end":980.635,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1951952278614044},{"word":"that","start":980.635,"end":980.875,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2143537849187851},{"word":"contribution","start":980.875,"end":981.375,"confidence":0.99902344,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.15280278027057648},{"word":"form","start":981.6,"end":982.1,"confidence":0.97924805,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.19887371361255649},{"word":"so","start":982.63995,"end":982.95996,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1976768523454666},{"word":"come","start":982.95996,"end":983.44,"confidence":0.8894043,"punctuated_word":"come,","sentiment":"neutral","sentiment_score":0.2020151913166046},{"word":"like","start":983.44,"end":983.75995,"confidence":0.98706055,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.17194795608520508},{"word":"end","start":983.75995,"end":984.0,"confidence":0.99902344,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.15871962904930115},{"word":"of","start":984.0,"end":984.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16124767065048218},{"word":"may","start":984.24,"end":984.56,"confidence":0.9160156,"punctuated_word":"May,","sentiment":"neutral","sentiment_score":0.16414153575897217},{"word":"early","start":984.56,"end":984.95996,"confidence":0.99902344,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.14373044669628143},{"word":"june","start":984.95996,"end":985.45996,"confidence":0.9472656,"punctuated_word":"June,","sentiment":"neutral","sentiment_score":0.194423645734787},{"word":"we'll","start":985.51996,"end":985.68,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1957828253507614},{"word":"give","start":985.68,"end":985.83997,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.18910294771194455},{"word":"you","start":985.83997,"end":986.07996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2087937593460083},{"word":"a","start":986.07996,"end":986.16,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21640996634960177},{"word":"buzz","start":986.16,"end":986.63995,"confidence":0.94970703,"punctuated_word":"buzz,","sentiment":"neutral","sentiment_score":0.2562280297279358},{"word":"see","start":986.63995,"end":986.8,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.25108563899993896},{"word":"how","start":986.8,"end":986.95996,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.17594310641288757},{"word":"the","start":986.95996,"end":987.12,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18365247547626495},{"word":"contributions","start":987.12,"end":987.62,"confidence":0.9941406,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1582099050283432},{"word":"look","start":987.92,"end":988.42,"confidence":0.96899414,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.1806028187274933},{"word":"do","start":989.68,"end":989.83997,"confidence":0.97265625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1687549501657486},{"word":"a","start":989.83997,"end":989.92,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18183773756027224},{"word":"bit","start":989.92,"end":990.16,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14882102608680725},{"word":"of","start":990.16,"end":990.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1859281063079834},{"word":"a","start":990.24,"end":990.39996,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1872868239879608},{"word":"top","start":990.39996,"end":990.56,"confidence":0.9970703,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.18428859114646912},{"word":"up","start":990.56,"end":990.72,"confidence":0.9892578,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1800251305103302},{"word":"with","start":990.72,"end":990.88,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1403121054172516},{"word":"you","start":990.88,"end":991.12,"confidence":0.7753906,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1555231511592865},{"word":"and","start":991.12,"end":991.27997,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1823853999376297},{"word":"just","start":991.27997,"end":991.77997,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16099321842193604},{"word":"go","start":992.0,"end":992.24,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1453530192375183},{"word":"through","start":992.24,"end":992.39996,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1466658115386963},{"word":"that","start":992.39996,"end":992.63995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16675858199596405},{"word":"form","start":992.63995,"end":992.95996,"confidence":0.9951172,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.1088363379240036},{"word":"with","start":992.95996,"end":993.12,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11533711850643158},{"word":"you","start":993.12,"end":993.62,"confidence":0.9790039,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11442656069993971},{"word":"so","start":993.92,"end":994.07996,"confidence":0.9394531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0979413241147995},{"word":"you","start":994.07996,"end":994.24,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07234761118888855},{"word":"should","start":994.24,"end":994.39996,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.11877375096082687},{"word":"be","start":994.39996,"end":994.56,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.059388935565948486},{"word":"expecting","start":994.56,"end":994.95996,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.30102527141571045},{"word":"that","start":994.95996,"end":995.19995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18987147510051727},{"word":"kind","start":995.19995,"end":995.44,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2143562138080597},{"word":"of","start":995.44,"end":995.6,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27987924218177795},{"word":"yearly","start":995.6,"end":996.1,"confidence":0.9902344,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.26878243684768677},{"word":"yearly","start":996.70496,"end":997.105,"confidence":0.9951172,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.20550864934921265},{"word":"phone","start":997.105,"end":997.425,"confidence":0.9951172,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.2189708799123764},{"word":"call","start":997.425,"end":997.925,"confidence":0.99853516,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.1679587960243225},{"word":"awesome","start":1001.90497,"end":1002.40497,"confidence":0.9794922,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.2677317261695862},{"word":"alrighty","start":1002.625,"end":1003.125,"confidence":0.85872394,"punctuated_word":"Alrighty,","sentiment":"positive","sentiment_score":0.5068017244338989},{"word":"dan","start":1003.185,"end":1003.425,"confidence":0.7050781,"punctuated_word":"Dan.","sentiment":"positive","sentiment_score":0.5316753387451172},{"word":"thank","start":1003.425,"end":1003.58496,"confidence":0.5649414,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8629239201545715},{"word":"you","start":1003.58496,"end":1003.745,"confidence":0.9892578,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8972966074943542},{"word":"so","start":1003.745,"end":1003.82495,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8749077320098877},{"word":"much","start":1003.82495,"end":1004.065,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.90414160490036},{"word":"for","start":1004.065,"end":1004.225,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8578748106956482},{"word":"your","start":1004.225,"end":1004.305,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8573552966117859},{"word":"time","start":1004.305,"end":1004.545,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8917055726051331},{"word":"today","start":1004.545,"end":1004.865,"confidence":0.9980469,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.8570010662078857},{"word":"mate","start":1004.865,"end":1005.365,"confidence":0.9345703,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.8376483917236328},{"word":"and","start":1005.985,"end":1006.485,"confidence":0.9760742,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.6586363315582275},{"word":"we","start":1007.105,"end":1007.345,"confidence":0.9770508,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6434519290924072},{"word":"will","start":1007.345,"end":1007.505,"confidence":0.8251953,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.65984046459198},{"word":"probably","start":1007.505,"end":1007.90497,"confidence":0.98095703,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.6633760333061218},{"word":"talk","start":1007.90497,"end":1008.14496,"confidence":0.99316406,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.5886891484260559},{"word":"to","start":1008.14496,"end":1008.225,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6286435127258301},{"word":"you","start":1008.225,"end":1008.38495,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5742379426956177},{"word":"tuesday","start":1008.38495,"end":1008.70496,"confidence":0.9814453,"punctuated_word":"Tuesday,","sentiment":"neutral","sentiment_score":0.31449031829833984},{"word":"wednesday","start":1008.70496,"end":1009.02496,"confidence":0.99609375,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.3281487822532654},{"word":"thursday","start":1009.02496,"end":1009.52496,"confidence":0.8967285,"punctuated_word":"Thursday,","sentiment":"positive","sentiment_score":0.43593230843544006},{"word":"but","start":1009.83997,"end":1010.08,"confidence":0.9951172,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.5167657732963562},{"word":"have","start":1010.08,"end":1010.16003,"confidence":0.9838867,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7198659181594849},{"word":"a","start":1010.16003,"end":1010.24,"confidence":0.96435547,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.768928050994873},{"word":"fantastic","start":1010.24,"end":1010.74,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8733040690422058},{"word":"weekend","start":1010.88,"end":1011.38,"confidence":0.99902344,"punctuated_word":"weekend.","sentiment":"positive","sentiment_score":0.80945885181427},{"word":"you","start":1015.2,"end":1015.52,"confidence":0.90234375,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5640230774879456},{"word":"too","start":1015.52,"end":1015.76,"confidence":0.7406006,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5122503042221069},{"word":"cheers","start":1015.76,"end":1016.26,"confidence":0.9916992,"punctuated_word":"Cheers.","sentiment":"neutral","sentiment_score":-0.10993380099534988}],"paragraphs":{"transcript":"\nGood day, Dane. Tommy here, senior adviser from. How you been? I'm living the dream. Happy Friday to you, sir.\n\nNo. That's alright. We we had a bit of IT issues. It was kind of like on and off, so some of the messages weren't going through. So but if you were traveling, I understand completely.\n\nNo. You're all good. For today, I've got this updated strategy to send through to you. Will you be able to look on to the email with me, or should I just kinda walk you through it? Yeah.\n\nThat's totally fine. Before I dive into it, so I'll send it through now just so you've got it there, and I'll just go through a quick security check with you. Can I just get your date of birth and address? Sensational. Thank you very much.\n\nAnd, obviously, registered with Asic as Adviser 1273105. And are you okay for the call to be recorded? Beautiful. So when you get that email, it'll come up with about six documents. The first one will be the statement of advice itself.\n\nWill have an appendix with some additional research attached and just links to the investment. We've got an insurance quote for the income protection and also just some updated product documents for the funds. They've updated their PDF and investment menu and everything, and so we just wanted to send that through to your records. Now in terms of, I guess, the starting point is the scope of the advice the document covers. We were talking about just reviewing the investments inside the super and a little bit of a review on topping up the income protection, if that rings a bell.\n\nCool. We did have a look at the contribution too and a couple of reminders there just in terms of just, like, planning, just to make sure get a will and power of attorney and all that kind of thing put in place. But there's no advice in here about trauma insurance or anything to do with cash flow or debt management because you're kind of handling all that yourself in terms of savings and renos and things like that. Beautiful. First thing I'd like to sort of start with, so we've got all your details in there, assets, liabilities, goals, and everything.\n\nWe're sticking to that growth risk profile, like we've said last time, just and ensure enough on the underlying investment. Now when I look at the figures there, so what you'll see, you'll see a fee comparison table. We managed to kind of drop the investment fees by about 20% and then bump the returns up from an average five year return from about eight and a half to about 10 and a half, which is kind of above that nine benchmark that we're aiming for. Now there's no capital gains tax for the slipper to pay because all the investments kind of even each other out when we switch them around. And I have included in there the insurance premium just for the updated projections as well.\n\nWe're looking at round figures going from about 600,000 in ten years to about $7.35. Obviously, take that with a grain of salt because the market goes up and down like a yoyo, but you should be about a $100 better off from the investment switch. Outside of that, so in terms of the main switches, I have decided to switch out a a number of investments just because the when the government brought in that legislation to capital gains and negative gearing, it caused a lot of property companies to kind of start tanking. And I I just wanna get you away from that investment as well with that spent long month that we were switching out for you already. There's a couple of switching there.\n\nRedeployed some of the cash. The asset allocation basically remains the same. You'll be going from about 80% growth assets to about 82. Again, you wanna be aiming between eighty and ninety for your, like, return index level, if that makes sense. Now in terms of the the contribution side of things, so remember how we were talking about trying to get maximum sort of contributions in there with a new $32,500 cap?\n\nDoes that ring a bell? One of the things I I wanna kind of run by you, and this is my my advice and suggestion, is I wanna change how we're doing the contributions a bit because when I go through the transaction history, your workers switch to what seems to be, like, weekly contribution. Do you get paid weekly? Now that's normally all fine because the those new legislation that super contributions have to be in line with the pay cycle, which is usually fine. But they've had it a whole lot come in from the tax office, like little catch up contributions towards the end of the year in April.\n\nThere's about 12 of those, little small amounts that came in. In addition to that, some of the month, they're fluctuating between $250 and 620. And last month, five contributions came in, two on the eleventh, one on the seventeenth, twenty fourth, and thirty first. So it seems to be just going a bit all over the shop. And what that's pretty much gonna do is the $2.50 a week now they've got the salary sacrifice.\n\nThat's probably gonna tip you over accidentally if we keep that going. So what I think you should do instead is just do what my my father-in-law does out in the line is keep all of the instead of salary sacrificing, keep it inside, like, an offset account, offset mortgage, and things like that. And then when it comes to June, just do a top up contribution so you get both the interest offset for the whole year and the tax deduction double waived. Does that make sense? Yes.\n\nYes. Yeah. Similar method. So basically, keep it to yourself. Let let you save on the interest on a weekly basis.\n\nGet a whole year out of it, and then just chuck in that couple of grand top up so you don't tip over. And that way, you get the benefit of both, which is better, and then there's no risk of random additional taxes coming out because of the frequency and the fluctuating amount. Cool. So I've included that in there. Again, it's just a a note of this booking the payroll, but I'm basically saying, yes.\n\nStop the sales tax. Pop it up later. So that's kind of the super side of things. Tune up the portfolio, switch how we do the Any questions on on those two? Cool.\n\nFor the insurance side of things, so I did a bit of a hunt around for some providers. I did find one provider which can possibly get you to the cheaper premium, but I haven't recommended it this year. What I've actually recommended is just to top up your income protection back up in line with what it should be. So instead of 8,900 a month of cover, top it up to 10,000. And that's only gonna bump up the premiums by about 600 a year to get that full sort of 70%.\n\nWhat we can do possibly down the line is just in terms of another provider here in MetLife. They offer sliding discounts, which if we can match a health criteria, they can pretty much drop it a couple of thousand dollars, but it's incumbent on a couple of things. So I need to check with you just in terms of the the type of employee you've got. Do you do anything kind of underground? Yep.\n\nDeliver the tunnel. Do you know approximate depth you might go to was a bit of a maximum range? Yep. Yeah. I get you a few pages.\n\nOh, perfect. Because basically what they were saying, 200 meters, they were basically saying if you're ever doing anything that's purely above ground, they can give you a better occupation rating, and then they also offer, like, BMI based discounts. So if you're under a hundred kilos, they give you a standard rate. That's a couple of grand below one one part. And then if you go below 90 kilos, they'll give you a percentage discount on that.\n\nAnd so it's the combination of if you're above ground and hit the BMI figures, we could save a good quarter to a third of the premium down the line. So I'm basically just I've got that in the appendix research just because I wanna keep an eye on it. It's basically just supposed just one part in that life at this point. And if it comes time where 12 time, the duty has changed a bit and we can match the health criteria, I basically wanna pull the trigger on that straight away. So For the time being, we'll keep on past just a little bit of a top up of the IP income protection.\n\nAnd then next review, I'll wait to just go over that again with you and see what it's looking like. Beautiful. Basically, because of top ups and increases, we do have to apply for the increase. So I included a quote to sign off on with the statement of advice, and then I basically just need to get you booked in with Jack to go through the application form when you do have some time. I've got they do have an expiry on it, but I've got we we did a bit of an updated one.\n\nI've sent away for an updated one to just keep refreshing it every thirty days because it expires. This one expires on the September 24, which is Thursday after next, but I will have another one received by that point. So, basically, any dates or times that kind of work for you will have one, like, refreshed and ready to go. Do you want me to kind of book something in now or just get the team to sort of reach out next week and and see a traveler? Yep.\n\nCool. I'll put in a bit of a tentative one. And then if we need to, I'll just get Jack to kind of bump it along on the days if it's so. Let me have a quick look there. Perfect.\n\nSo what I might do is I'll put a bit of a rolling one in for about 2PM on Tuesday, Wednesday, Thursday, and then I'll basically just get the guys to give you a buzz at that time each day. And if it lines up, he can basically just spend that fifteen minutes, update some some health info, occupational info. Beautiful. Again, if there's anything different from the original application, like health wise, they may come back with, you know, loadings and exclusions and price changes and that kind of thing. So just see how you go with it.\n\nIf it becomes too difficult, just let us know. If it's a good outcome, we'll basically just submit it if there's no changes. If there is anything flagged, they'll probably just book you back in with me to have a quick chat. Beautiful. Alright.\n\nSo I'll send all that off to you. That's all ready to go, and I've put in that sort of rolling booking for Tuesday, Wednesday, Thursday. Anything else you can think of that I can help out with? And in that space too, so I've been meeting up with all the brokers that we talked to, and we've just been discussing as a group kind of what options are left on the table these days between, you know, commercial property, unit trust, and a few other things. So, basically, if anything really exciting pops up out of that, I'll run it by you as well if I think there's a good option there.\n\nBut I definitely don't wanna dive in into anything that's gonna get you know, you you start the process and the government changes the rules on you. Don't wanna put you in anything where they can pull the rug out. Cool. Absolutely. I'll put the notes on file so every time I catch up with you, I'll just kind of touch base.\n\nAnd I'll put in basically, I'm gonna put a flag in your account called the the NLI flag, which is like what we did with that contribution form. So come, like, end of May, early June, we'll give you a buzz, see how the contributions look, do a bit of a top up with you, and just go through that form with you. So you should be expecting that kind of yearly yearly phone call. Awesome. Alrighty, Dan.\n\nThank you so much for your time today, mate. And we will probably talk to you Tuesday, Wednesday, Thursday, but have a fantastic weekend. You too. Cheers.","paragraphs":[{"sentences":[{"text":"Good day, Dane.","start":4.4,"end":5.12,"sentiment":"positive","sentiment_score":0.3397894998391469},{"text":"Tommy here, senior adviser from.","start":5.12,"end":6.98,"sentiment":"neutral","sentiment_score":0.17941955029964446},{"text":"How you been?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.13484540084997812},{"text":"I'm living the dream.","start":10.24,"end":11.36,"sentiment":"positive","sentiment_score":0.6488677263259888},{"text":"Happy Friday to you, sir.","start":11.36,"end":12.765,"sentiment":"positive","sentiment_score":0.6525846362113953}],"sentiment":"positive","sentiment_score":0.40896982699632645,"num_words":20,"start":4.4,"end":12.765},{"sentences":[{"text":"No.","start":26.125,"end":26.285,"sentiment":"neutral","sentiment_score":-0.16024133563041687},{"text":"That's alright.","start":26.285,"end":26.845001,"sentiment":"neutral","sentiment_score":-0.1138528361916542},{"text":"We we had a bit of IT issues.","start":26.845001,"end":29.48,"sentiment":"neutral","sentiment_score":-0.20227009803056717},{"text":"It was kind of like on and off, so some of the messages weren't going through.","start":29.48,"end":32.76,"sentiment":"neutral","sentiment_score":-0.15653377445414662},{"text":"So but if you were traveling, I understand completely.","start":32.76,"end":35.579998,"sentiment":"neutral","sentiment_score":-0.06908907037642267}],"sentiment":"neutral","sentiment_score":-0.14256805046978924,"num_words":36,"start":26.125,"end":35.579998},{"sentences":[{"text":"No.","start":38.52,"end":38.68,"sentiment":"neutral","sentiment_score":-0.051232799887657166},{"text":"You're all good.","start":38.68,"end":39.579998,"sentiment":"neutral","sentiment_score":0.1688975691795349},{"text":"For today, I've got this updated strategy to send through to you.","start":40.36,"end":44.755,"sentiment":"neutral","sentiment_score":0.2276522032916546},{"text":"Will you be able to look on to the email with me, or should I just kinda walk you through it?","start":44.755,"end":48.855003,"sentiment":"neutral","sentiment_score":0.10466005688621885},{"text":"Yeah.","start":63.61,"end":64.01,"sentiment":"neutral","sentiment_score":0.1193322017788887}],"sentiment":"neutral","sentiment_score":0.14485473009316543,"num_words":38,"start":38.52,"end":64.01},{"sentences":[{"text":"That's totally fine.","start":64.01,"end":65.39,"sentiment":"neutral","sentiment_score":0.2322624127070109},{"text":"Before I dive into it, so I'll send it through now just so you've got it there, and I'll just go through a quick security check with you.","start":65.93,"end":73.655,"sentiment":"neutral","sentiment_score":0.08004917976047311},{"text":"Can I just get your date of birth and address?","start":74.355,"end":77.575005,"sentiment":"neutral","sentiment_score":0.047424718737602234},{"text":"Sensational.","start":91.29,"end":91.79,"sentiment":"neutral","sentiment_score":0.109111487865448},{"text":"Thank you very much.","start":92.73,"end":93.69,"sentiment":"positive","sentiment_score":0.4213349148631096}],"sentiment":"neutral","sentiment_score":0.11319266535017801,"num_words":46,"start":64.01,"end":93.69},{"sentences":[{"text":"And, obviously, registered with Asic as Adviser 1273105.","start":93.69,"end":98.19,"sentiment":"neutral","sentiment_score":0.13058252725750208},{"text":"And are you okay for the call to be recorded?","start":98.33,"end":103.175,"sentiment":"neutral","sentiment_score":0.09573634043335914},{"text":"Beautiful.","start":104.355,"end":104.855,"sentiment":"neutral","sentiment_score":0.3224407434463501},{"text":"So when you get that email, it'll come up with about six documents.","start":104.915,"end":109.335,"sentiment":"neutral","sentiment_score":0.14354918553278997},{"text":"The first one will be the statement of advice itself.","start":109.955,"end":112.695,"sentiment":"neutral","sentiment_score":0.1162290133535862}],"sentiment":"neutral","sentiment_score":0.12744985503100215,"num_words":42,"start":93.69,"end":112.695},{"sentences":[{"text":"Will have an appendix with some additional research attached and just links to the investment.","start":114.0,"end":118.98,"sentiment":"neutral","sentiment_score":0.10320368508497874},{"text":"We've got an insurance quote for the income protection and also just some updated product documents for the funds.","start":120.16,"end":129.945,"sentiment":"neutral","sentiment_score":0.1138568400944534},{"text":"They've updated their PDF and investment menu and everything, and so we just wanted to send that through to your records.","start":130.02501,"end":135.085,"sentiment":"neutral","sentiment_score":0.20123462911163056},{"text":"Now in terms of, I guess, the starting point is the scope of the advice the document covers.","start":138.585,"end":144.14,"sentiment":"neutral","sentiment_score":0.11422270867559645},{"text":"We were talking about just reviewing the investments inside the super and a little bit of a review on topping up the income protection, if that rings a bell.","start":144.44,"end":154.06001,"sentiment":"neutral","sentiment_score":0.11488760545335967}],"sentiment":"neutral","sentiment_score":0.13063737023256572,"num_words":102,"start":114.0,"end":154.06001},{"sentences":[{"text":"Cool.","start":156.68001,"end":156.945,"sentiment":"positive","sentiment_score":0.5625353455543518},{"text":"We did have a look at the contribution too and a couple of reminders there just in terms of just, like, planning, just to make sure get a will and power of attorney and all that kind of thing put in place.","start":158.065,"end":170.085,"sentiment":"neutral","sentiment_score":0.2398344517818519},{"text":"But there's no advice in here about trauma insurance or anything to do with cash flow or debt management because you're kind of handling all that yourself in terms of savings and renos and things like that.","start":170.46501,"end":183.63,"sentiment":"neutral","sentiment_score":-0.08422687384567375},{"text":"Beautiful.","start":186.33,"end":186.83,"sentiment":"positive","sentiment_score":0.6400895118713379},{"text":"First thing I'd like to sort of start with, so we've got all your details in there, assets, liabilities, goals, and everything.","start":187.77501,"end":192.835,"sentiment":"neutral","sentiment_score":0.25294117629528046}],"sentiment":"neutral","sentiment_score":0.13324255707252147,"num_words":103,"start":156.68001,"end":192.835},{"sentences":[{"text":"We're sticking to that growth risk profile, like we've said last time, just and ensure enough on the underlying investment.","start":193.05501,"end":199.98001,"sentiment":"neutral","sentiment_score":0.2080058142542839},{"text":"Now when I look at the figures there, so what you'll see, you'll see a fee comparison table.","start":202.68001,"end":207.26001,"sentiment":"neutral","sentiment_score":0.22487342523203957},{"text":"We managed to kind of drop the investment fees by about 20% and then bump the returns up from an average five year return from about eight and a half to about 10 and a half, which is kind of above that nine benchmark that we're aiming for.","start":208.20001,"end":224.11499,"sentiment":"positive","sentiment_score":0.38614467935015756},{"text":"Now there's no capital gains tax for the slipper to pay because all the investments kind of even each other out when we switch them around.","start":226.655,"end":236.15001,"sentiment":"neutral","sentiment_score":0.10845444523371182},{"text":"And I have included in there the insurance premium just for the updated projections as well.","start":236.93001,"end":243.625,"sentiment":"neutral","sentiment_score":0.21530586294829845}],"sentiment":"neutral","sentiment_score":0.25787103071343154,"num_words":128,"start":193.05501,"end":243.625},{"sentences":[{"text":"We're looking at round figures going from about 600,000 in ten years to about $7.35.","start":243.68501,"end":251.785,"sentiment":"neutral","sentiment_score":0.17399045526981355},{"text":"Obviously, take that with a grain of salt because the market goes up and down like a yoyo, but you should be about a $100 better off from the investment switch.","start":252.16501,"end":259.84,"sentiment":"neutral","sentiment_score":-0.01889280270364496},{"text":"Outside of that, so in terms of the main switches, I have decided to switch out a a number of investments just because the when the government brought in that legislation to capital gains and negative gearing, it caused a lot of property companies to kind of start tanking.","start":264.13998,"end":280.475,"sentiment":"neutral","sentiment_score":-0.2032765621053321},{"text":"And I I just wanna get you away from that investment as well with that spent long month that we were switching out for you already.","start":280.775,"end":287.83,"sentiment":"neutral","sentiment_score":-0.25247230008244514},{"text":"There's a couple of switching there.","start":290.93,"end":292.71,"sentiment":"neutral","sentiment_score":0.04207094882925352}],"sentiment":"neutral","sentiment_score":-0.11219075359917415,"num_words":127,"start":243.68501,"end":292.71},{"sentences":[{"text":"Redeployed some of the cash.","start":293.88998,"end":295.51,"sentiment":"neutral","sentiment_score":0.08320509642362595},{"text":"The asset allocation basically remains the same.","start":295.57,"end":298.53,"sentiment":"neutral","sentiment_score":0.2107836071934019},{"text":"You'll be going from about 80% growth assets to about 82.","start":298.53,"end":302.365,"sentiment":"neutral","sentiment_score":0.19113104993646796},{"text":"Again, you wanna be aiming between eighty and ninety for your, like, return index level, if that makes sense.","start":303.385,"end":309.165,"sentiment":"neutral","sentiment_score":0.23678508087208397},{"text":"Now in terms of the the contribution side of things, so remember how we were talking about trying to get maximum sort of contributions in there with a new $32,500 cap?","start":313.225,"end":324.31998,"sentiment":"neutral","sentiment_score":0.07870869999451022}],"sentiment":"neutral","sentiment_score":0.1497649112078425,"num_words":73,"start":293.88998,"end":324.31998},{"sentences":[{"text":"Does that ring a bell?","start":324.31998,"end":325.37997,"sentiment":"neutral","sentiment_score":0.03888814523816109},{"text":"One of the things I I wanna kind of run by you, and this is my my advice and suggestion, is I wanna change how we're doing the contributions a bit because when I go through the transaction history, your workers switch to what seems to be, like, weekly contribution.","start":328.08,"end":346.55002,"sentiment":"neutral","sentiment_score":0.13936949983239175},{"text":"Do you get paid weekly?","start":348.13,"end":349.35,"sentiment":"neutral","sentiment_score":0.019073184952139853},{"text":"Now that's normally all fine because the those new legislation that super contributions have to be in line with the pay cycle, which is usually fine.","start":357.41,"end":366.815,"sentiment":"neutral","sentiment_score":0.16765434810748467},{"text":"But they've had it a whole lot come in from the tax office, like little catch up contributions towards the end of the year in April.","start":367.755,"end":374.91,"sentiment":"neutral","sentiment_score":-0.03613328962371899}],"sentiment":"neutral","sentiment_score":0.09533776038525892,"num_words":112,"start":324.31998,"end":374.91},{"sentences":[{"text":"There's about 12 of those, little small amounts that came in.","start":374.91,"end":381.39,"sentiment":"neutral","sentiment_score":0.006564682857556777},{"text":"In addition to that, some of the month, they're fluctuating between $250 and 620.","start":381.39,"end":388.535,"sentiment":"neutral","sentiment_score":0.00729135111240404},{"text":"And last month, five contributions came in, two on the eleventh, one on the seventeenth, twenty fourth, and thirty first.","start":389.555,"end":396.29498,"sentiment":"neutral","sentiment_score":0.022926202230155467},{"text":"So it seems to be just going a bit all over the shop.","start":396.835,"end":399.9,"sentiment":"neutral","sentiment_score":-0.20334464798753077},{"text":"And what that's pretty much gonna do is the $2.50 a week now they've got the salary sacrifice.","start":400.94,"end":406.63998,"sentiment":"neutral","sentiment_score":-0.1818117308947775}],"sentiment":"neutral","sentiment_score":-0.06951680405702639,"num_words":76,"start":374.91,"end":406.63998},{"sentences":[{"text":"That's probably gonna tip you over accidentally if we keep that going.","start":406.78,"end":411.03998,"sentiment":"negative","sentiment_score":-0.495022214949131},{"text":"So what I think you should do instead is just do what my my father-in-law does out in the line is keep all of the instead of salary sacrificing, keep it inside, like, an offset account, offset mortgage, and things like that.","start":412.46,"end":426.725,"sentiment":"neutral","sentiment_score":0.22024704799765632},{"text":"And then when it comes to June, just do a top up contribution so you get both the interest offset for the whole year and the tax deduction double waived.","start":426.785,"end":436.06998,"sentiment":"neutral","sentiment_score":0.24736833920081455},{"text":"Does that make sense?","start":440.37,"end":441.50998,"sentiment":"neutral","sentiment_score":0.14240910485386848},{"text":"Yes.","start":451.38498,"end":451.88498,"sentiment":"neutral","sentiment_score":0.05296746641397476}],"sentiment":"neutral","sentiment_score":0.12757037638613347,"num_words":89,"start":406.78,"end":451.88498},{"sentences":[{"text":"Yes.","start":451.94498,"end":452.44498,"sentiment":"neutral","sentiment_score":0.06146002560853958},{"text":"Yeah.","start":454.50497,"end":454.985,"sentiment":"neutral","sentiment_score":0.10868354141712187},{"text":"Similar method.","start":454.985,"end":455.73,"sentiment":"neutral","sentiment_score":0.1674041710793972},{"text":"So basically, keep it to yourself.","start":456.21002,"end":458.23,"sentiment":"neutral","sentiment_score":0.2974745954076449},{"text":"Let let you save on the interest on a weekly basis.","start":458.53,"end":461.19,"sentiment":"positive","sentiment_score":0.3819705708460374}],"sentiment":"neutral","sentiment_score":0.3091178933779399,"num_words":21,"start":451.94498,"end":461.19},{"sentences":[{"text":"Get a whole year out of it, and then just chuck in that couple of grand top up so you don't tip over.","start":461.49002,"end":466.55002,"sentiment":"neutral","sentiment_score":0.2753851374854212},{"text":"And that way, you get the benefit of both, which is better, and then there's no risk of random additional taxes coming out because of the frequency and the fluctuating amount.","start":470.45,"end":481.055,"sentiment":"positive","sentiment_score":0.3997415179206479},{"text":"Cool.","start":485.195,"end":485.46,"sentiment":"neutral","sentiment_score":0.31482571363449097},{"text":"So I've included that in there.","start":485.94,"end":487.38,"sentiment":"neutral","sentiment_score":0.16188706209262213},{"text":"Again, it's just a a note of this booking the payroll, but I'm basically saying, yes.","start":487.38,"end":492.5,"sentiment":"neutral","sentiment_score":0.16397468466311693}],"sentiment":"neutral","sentiment_score":0.2939686786818814,"num_words":77,"start":461.49002,"end":492.5},{"sentences":[{"text":"Stop the sales tax.","start":492.5,"end":493.46,"sentiment":"neutral","sentiment_score":0.13403207808732986},{"text":"Pop it up later.","start":493.46,"end":494.44,"sentiment":"neutral","sentiment_score":0.1900789439678192},{"text":"So that's kind of the super side of things.","start":496.74,"end":498.5,"sentiment":"neutral","sentiment_score":0.23487390081087747},{"text":"Tune up the portfolio, switch how we do the Any questions on on those two?","start":498.5,"end":504.685,"sentiment":"neutral","sentiment_score":0.08118958808481694},{"text":"Cool.","start":508.42502,"end":508.92502,"sentiment":"neutral","sentiment_score":-0.2368222177028656}],"sentiment":"neutral","sentiment_score":0.13307063027539037,"num_words":33,"start":492.5,"end":508.92502},{"sentences":[{"text":"For the insurance side of things, so I did a bit of a hunt around for some providers.","start":509.945,"end":515.33997,"sentiment":"neutral","sentiment_score":-0.21440049757560095},{"text":"I did find one provider which can possibly get you to the cheaper premium, but I haven't recommended it this year.","start":516.2,"end":524.45996,"sentiment":"neutral","sentiment_score":-0.284625277455364},{"text":"What I've actually recommended is just to top up your income protection back up in line with what it should be.","start":524.76,"end":532.415,"sentiment":"neutral","sentiment_score":0.2844763667810531},{"text":"So instead of 8,900 a month of cover, top it up to 10,000.","start":532.635,"end":536.895,"sentiment":"positive","sentiment_score":0.3497297087540993},{"text":"And that's only gonna bump up the premiums by about 600 a year to get that full sort of 70%.","start":537.915,"end":545.19,"sentiment":"positive","sentiment_score":0.41929125785827637}],"sentiment":"neutral","sentiment_score":0.09752661602631692,"num_words":93,"start":509.945,"end":545.19},{"sentences":[{"text":"What we can do possibly down the line is just in terms of another provider here in MetLife.","start":549.49,"end":555.955,"sentiment":"neutral","sentiment_score":0.13059415544072786},{"text":"They offer sliding discounts, which if we can match a health criteria, they can pretty much drop it a couple of thousand dollars, but it's incumbent on a couple of things.","start":556.815,"end":568.75,"sentiment":"neutral","sentiment_score":0.10377831853205158},{"text":"So I need to check with you just in terms of the the type of employee you've got.","start":568.75,"end":574.29,"sentiment":"neutral","sentiment_score":-0.07772549303869407},{"text":"Do you do anything kind of underground?","start":574.51,"end":576.45,"sentiment":"neutral","sentiment_score":-0.07002484000154904},{"text":"Yep.","start":595.635,"end":595.795,"sentiment":"neutral","sentiment_score":0.040175050497055054}],"sentiment":"neutral","sentiment_score":0.04958353290955226,"num_words":75,"start":549.49,"end":595.795},{"sentences":[{"text":"Deliver the tunnel.","start":595.795,"end":596.755,"sentiment":"neutral","sentiment_score":0.0020238024493058524},{"text":"Do you know approximate depth you might go to was a bit of a maximum range?","start":596.755,"end":601.62,"sentiment":"neutral","sentiment_score":-0.018487072666175663},{"text":"Yep.","start":611.055,"end":611.555,"sentiment":"neutral","sentiment_score":0.021006550639867783},{"text":"Yeah.","start":612.975,"end":613.21497,"sentiment":"neutral","sentiment_score":0.01812823861837387},{"text":"I get you a few pages.","start":613.21497,"end":614.595,"sentiment":"neutral","sentiment_score":0.01278612514336904}],"sentiment":"neutral","sentiment_score":-0.006439637599719895,"num_words":27,"start":595.795,"end":614.595},{"sentences":[{"text":"Oh, perfect.","start":623.055,"end":623.615,"sentiment":"neutral","sentiment_score":0.21637212485074997},{"text":"Because basically what they were saying, 200 meters, they were basically saying if you're ever doing anything that's purely above ground, they can give you a better occupation rating, and then they also offer, like, BMI based discounts.","start":623.615,"end":638.865,"sentiment":"neutral","sentiment_score":0.1310543398323812},{"text":"So if you're under a hundred kilos, they give you a standard rate.","start":639.085,"end":642.445,"sentiment":"neutral","sentiment_score":0.15808922797441483},{"text":"That's a couple of grand below one one part.","start":642.445,"end":646.225,"sentiment":"neutral","sentiment_score":0.15341870652304757},{"text":"And then if you go below 90 kilos, they'll give you a percentage discount on that.","start":646.285,"end":650.4,"sentiment":"neutral","sentiment_score":0.11793166428105906}],"sentiment":"neutral","sentiment_score":0.1376364630026122,"num_words":78,"start":623.055,"end":650.4},{"sentences":[{"text":"And so it's the combination of if you're above ground and hit the BMI figures, we could save a good quarter to a third of the premium down the line.","start":650.64,"end":660.74005,"sentiment":"positive","sentiment_score":0.34035807847976685},{"text":"So I'm basically just I've got that in the appendix research just because I wanna keep an eye on it.","start":669.585,"end":674.725,"sentiment":"neutral","sentiment_score":0.18754075840115547},{"text":"It's basically just supposed just one part in that life at this point.","start":675.025,"end":678.725,"sentiment":"neutral","sentiment_score":0.17797375986209282},{"text":"And if it comes time where 12 time, the duty has changed a bit and we can match the health criteria, I basically wanna pull the trigger on that straight away.","start":678.865,"end":688.69,"sentiment":"neutral","sentiment_score":0.1431195671039243},{"text":"So For the time being, we'll keep on past just a little bit of a top up of the IP income protection.","start":692.67,"end":699.745,"sentiment":"neutral","sentiment_score":0.08960426260124553}],"sentiment":"neutral","sentiment_score":0.19554497205234808,"num_words":116,"start":650.64,"end":699.745},{"sentences":[{"text":"And then next review, I'll wait to just go over that again with you and see what it's looking like.","start":700.125,"end":709.11005,"sentiment":"neutral","sentiment_score":0.11496123094111681},{"text":"Beautiful.","start":709.11005,"end":709.61005,"sentiment":"positive","sentiment_score":0.6857684254646301},{"text":"Basically, because of top ups and increases, we do have to apply for the increase.","start":710.47003,"end":716.73004,"sentiment":"neutral","sentiment_score":0.10849851320187251},{"text":"So I included a quote to sign off on with the statement of advice, and then I basically just need to get you booked in with Jack to go through the application form when you do have some time.","start":717.945,"end":734.32,"sentiment":"neutral","sentiment_score":0.11603356382021537},{"text":"I've got they do have an expiry on it, but I've got we we did a bit of an updated one.","start":734.32,"end":740.82,"sentiment":"neutral","sentiment_score":0.0481181527000098}],"sentiment":"neutral","sentiment_score":0.10571105143753812,"num_words":96,"start":700.125,"end":740.82},{"sentences":[{"text":"I've sent away for an updated one to just keep refreshing it every thirty days because it expires.","start":742.8,"end":747.90497,"sentiment":"neutral","sentiment_score":0.15125280039178002},{"text":"This one expires on the September 24, which is Thursday after next, but I will have another one received by that point.","start":748.20496,"end":758.81995,"sentiment":"neutral","sentiment_score":0.12196833572604439},{"text":"So, basically, any dates or times that kind of work for you will have one, like, refreshed and ready to go.","start":758.81995,"end":766.56,"sentiment":"neutral","sentiment_score":0.27407461475758327},{"text":"Do you want me to kind of book something in now or just get the team to sort of reach out next week and and see a traveler?","start":771.18,"end":776.835,"sentiment":"neutral","sentiment_score":0.09912841753768069},{"text":"Yep.","start":801.64496,"end":802.14496,"sentiment":"neutral","sentiment_score":0.04962799698114395}],"sentiment":"neutral","sentiment_score":0.15540715989967188,"num_words":90,"start":742.8,"end":802.14496},{"sentences":[{"text":"Cool.","start":806.045,"end":806.52496,"sentiment":"positive","sentiment_score":0.5422539710998535},{"text":"I'll put in a bit of a tentative one.","start":806.52496,"end":808.20496,"sentiment":"neutral","sentiment_score":0.2373008992936876},{"text":"And then if we need to, I'll just get Jack to kind of bump it along on the days if it's so.","start":808.20496,"end":814.38495,"sentiment":"neutral","sentiment_score":0.1006012237207456},{"text":"Let me have a quick look there.","start":814.845,"end":828.16003,"sentiment":"neutral","sentiment_score":0.09193068476659912},{"text":"Perfect.","start":828.16003,"end":828.555,"sentiment":"positive","sentiment_score":0.6137622594833374}],"sentiment":"neutral","sentiment_score":0.1537116509862244,"num_words":40,"start":806.045,"end":828.555},{"sentences":[{"text":"So what I might do is I'll put a bit of a rolling one in for about 2PM on Tuesday, Wednesday, Thursday, and then I'll basically just get the guys to give you a buzz at that time each day.","start":828.795,"end":843.96,"sentiment":"neutral","sentiment_score":0.1435978017747402},{"text":"And if it lines up, he can basically just spend that fifteen minutes, update some some health info, occupational info.","start":843.96,"end":851.34,"sentiment":"neutral","sentiment_score":0.08215080436784775},{"text":"Beautiful.","start":855.48,"end":855.98,"sentiment":"positive","sentiment_score":0.6313695907592773},{"text":"Again, if there's anything different from the original application, like health wise, they may come back with, you know, loadings and exclusions and price changes and that kind of thing.","start":856.27997,"end":866.285,"sentiment":"neutral","sentiment_score":-0.014791564581294854},{"text":"So just see how you go with it.","start":866.285,"end":868.225,"sentiment":"neutral","sentiment_score":0.05478860903531313}],"sentiment":"neutral","sentiment_score":0.08093797660555051,"num_words":99,"start":828.795,"end":868.225},{"sentences":[{"text":"If it becomes too difficult, just let us know.","start":869.08496,"end":871.44,"sentiment":"neutral","sentiment_score":-0.11694727713863055},{"text":"If it's a good outcome, we'll basically just submit it if there's no changes.","start":871.66,"end":875.19995,"sentiment":"neutral","sentiment_score":0.24810986460319587},{"text":"If there is anything flagged, they'll probably just book you back in with me to have a quick chat.","start":875.5,"end":879.83997,"sentiment":"neutral","sentiment_score":0.16080053974139064},{"text":"Beautiful.","start":882.86,"end":883.36,"sentiment":"positive","sentiment_score":0.6316973567008972},{"text":"Alright.","start":883.89996,"end":884.3,"sentiment":"positive","sentiment_score":0.44058582186698914}],"sentiment":"neutral","sentiment_score":0.148829682814804,"num_words":44,"start":869.08496,"end":884.3},{"sentences":[{"text":"So I'll send all that off to you.","start":884.3,"end":887.8983,"sentiment":"positive","sentiment_score":0.5121192336082458},{"text":"That's all ready to go, and I've put in that sort of rolling booking for Tuesday, Wednesday, Thursday.","start":887.8983,"end":890.78503,"sentiment":"positive","sentiment_score":0.4737677342361874},{"text":"Anything else you can think of that I can help out with?","start":891.645,"end":894.065,"sentiment":"neutral","sentiment_score":0.2172151729464531},{"text":"And in that space too, so I've been meeting up with all the brokers that we talked to, and we've just been discussing as a group kind of what options are left on the table these days between, you know, commercial property, unit trust, and a few other things.","start":924.665,"end":939.33997,"sentiment":"neutral","sentiment_score":0.06762758258502094},{"text":"So, basically, if anything really exciting pops up out of that, I'll run it by you as well if I think there's a good option there.","start":939.33997,"end":947.115,"sentiment":"neutral","sentiment_score":0.14433615339490083}],"sentiment":"neutral","sentiment_score":0.19732607695051527,"num_words":113,"start":884.3,"end":947.115},{"sentences":[{"text":"But I definitely don't wanna dive in into anything that's gonna get you know, you you start the process and the government changes the rules on you.","start":947.115,"end":954.95,"sentiment":"neutral","sentiment_score":-0.06020382557202269},{"text":"Don't wanna put you in anything where they can pull the rug out.","start":955.41,"end":957.99,"sentiment":"neutral","sentiment_score":-0.04885517576566109},{"text":"Cool.","start":966.77,"end":967.01,"sentiment":"positive","sentiment_score":0.5094379782676697},{"text":"Absolutely.","start":967.01,"end":967.51,"sentiment":"positive","sentiment_score":0.4785940051078797},{"text":"I'll put the notes on file so every time I catch up with you, I'll just kind of touch base.","start":968.475,"end":972.815,"sentiment":"neutral","sentiment_score":0.2853315010666847}],"sentiment":"neutral","sentiment_score":0.07151679724695222,"num_words":62,"start":947.115,"end":972.815},{"sentences":[{"text":"And I'll put in basically, I'm gonna put a flag in your account called the the NLI flag, which is like what we did with that contribution form.","start":973.755,"end":982.1,"sentiment":"neutral","sentiment_score":0.1967390701174736},{"text":"So come, like, end of May, early June, we'll give you a buzz, see how the contributions look, do a bit of a top up with you, and just go through that form with you.","start":982.63995,"end":993.62,"sentiment":"neutral","sentiment_score":0.17380708775350026},{"text":"So you should be expecting that kind of yearly yearly phone call.","start":993.92,"end":997.925,"sentiment":"neutral","sentiment_score":0.18290038220584393},{"text":"Awesome.","start":1001.90497,"end":1002.40497,"sentiment":"neutral","sentiment_score":0.2677317261695862},{"text":"Alrighty, Dan.","start":1002.625,"end":1003.425,"sentiment":"positive","sentiment_score":0.5192385315895081}],"sentiment":"neutral","sentiment_score":0.19349942833949357,"num_words":78,"start":973.755,"end":1003.425},{"sentences":[{"text":"Thank you so much for your time today, mate.","start":1003.425,"end":1005.365,"sentiment":"positive","sentiment_score":0.87120611137814},{"text":"And we will probably talk to you Tuesday, Wednesday, Thursday, but have a fantastic weekend.","start":1005.985,"end":1011.38,"sentiment":"positive","sentiment_score":0.6122512956460316},{"text":"You too.","start":1015.2,"end":1015.76,"sentiment":"positive","sentiment_score":0.5381366908550262},{"text":"Cheers.","start":1015.76,"end":1016.26,"sentiment":"neutral","sentiment_score":-0.10993380099534988}],"sentiment":"positive","sentiment_score":0.6663320006595718,"num_words":27,"start":1003.425,"end":1016.26}]}}]},{"alternatives":[{"transcript":"Hello? Hi, Tommy. How are we, mate? Yeah. You too. Sorry about last week. I was I was waiting for a message because they said they were gonna message me before the day before and nothing came, and then I was I was busy traveling from work. And I completely forgot. Okay. Yeah. Yeah. Sorry about that. Yep. You could just walk us through it. I'm sorta I was driving before, so I'm still but, yeah, no. You can just walk us through it. I'll just look at the email later on if if that's alright. Yeah. Not a problem. Yep. Address 28 Riverley Waters Drive, Lorraine 4211, birth code, and 02/15/1989 for the date of birth. Yep. Yep. Yep. Yep. Got it. Yep. Yep. Yep. Yep. Yep. Swipe. Yep. Yep. Yeah. Okay. Okay. Yep. Yeah. Yeah. Yep. Yeah. They yeah. They used to do monthly. It used to be one just big monthly one. Yeah. They started doing Yeah. Yes. Yep. Yep. Yep. Okay. Yep. Okay then. Yep. Yeah. Yeah. Yeah. So don't do anything and then just yeah. Sorta like what we did this year with the with the 50,000. Is that is that what you're trying to say? Yep. Yep. Yeah. Okay. Yes. Right. Yeah. I got them. Yep. Yeah. Yep. No. No. Yep. Yep. Okay. Yep. We do. Yeah. Sometimes. Like, yeah, we so, yeah, I work in concrete, but, like, sometimes, I mean, I just take the underground to deliver the concrete because we're doing tunnel tunnel work. Could be anything. I know I know where we go a few kilometers in, but I don't know the actual depth. It'd be a lot like like, I can tell you how far yeah. Like, it's a few kilometers in, but, yeah, I don't know the hot you know, how deep we go down. But it would be a few 100 meters at least. Yeah. Yep. Okay then. Yeah. Okay. Yep. Yep. Yeah. Kinda. Yes. What? Yep. Yeah. It's too easy. Yep. Yep. Okay. Yep. Yep. Yep. Yeah. Kinda. Just wait. Well yeah. Because from Monday, I'll be back to work, but I'm on night shift. So so I I can do any time. Usually, I wake up about twelve, 01:00, and I'll go to dinner in about or go have some night about four 04:00. So anytime from one till four from Tuesday, Wednesday, Thursday, Friday next week if you wanna do it. Then or anytime like that. Yeah. Yeah. Yeah. Because yeah. Because I'm at work till the twenty fourth. So so that's when I find a home on the twenty fourth. So, yeah, anytime from Monday onwards. Yep. Yep. That's fine. Yep. That's not a problem. Yep. Okay. No. Not really. No. There wasn't as I said before, the only thing that I I don't like I was gonna do was the suit the investment property in suitors, but that's gone out the window. So I've got nothing really else. The SMSF, that's that was the only thing we're really gonna I was gonna look into. But now that that's how it's gone, there's not much else, to be honest. Yep. Yeah. Definitely. Yeah. Yeah. Exactly. Yeah. Not a problem. Yeah. That'd be that'd be great. If you send anything, you know, looks good, then, yeah, definitely give us a call. Yeah. Yeah. That'd be great. Yeah. That's yeah. That'd be great. Good evening. You too, mate. Have a good one.","confidence":0.9753418,"words":[{"word":"hello","start":2.56,"end":3.06,"confidence":0.93725586,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.05169181153178215},{"word":"hi","start":7.9199996,"end":8.32,"confidence":0.9169922,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.1859577000141144},{"word":"tommy","start":8.32,"end":8.72,"confidence":0.9946289,"punctuated_word":"Tommy.","sentiment":"neutral","sentiment_score":0.2361719906330109},{"word":"how","start":8.72,"end":8.88,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.305652916431427},{"word":"are","start":8.88,"end":9.04,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2933708727359772},{"word":"we","start":9.04,"end":9.2,"confidence":0.9897461,"punctuated_word":"we,","sentiment":"positive","sentiment_score":0.3430338501930237},{"word":"mate","start":9.2,"end":9.7,"confidence":0.9880371,"punctuated_word":"mate?","sentiment":"positive","sentiment_score":0.43835410475730896},{"word":"yeah","start":13.28,"end":13.755,"confidence":0.72717285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15477505326271057},{"word":"you","start":13.835,"end":13.995,"confidence":0.9277344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12696793675422668},{"word":"too","start":13.995,"end":14.235,"confidence":0.96850586,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.06357099115848541},{"word":"sorry","start":14.235,"end":14.735,"confidence":0.93847656,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":-0.13347668945789337},{"word":"about","start":14.795,"end":15.115,"confidence":0.9326172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1865466386079788},{"word":"last","start":15.115,"end":15.355,"confidence":0.9760742,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.1588347554206848},{"word":"week","start":15.355,"end":15.675,"confidence":0.90625,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.1884281039237976},{"word":"i","start":15.675,"end":16.175,"confidence":0.9404297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1960737109184265},{"word":"was","start":16.795,"end":16.955,"confidence":0.5649414,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.17371471226215365},{"word":"i","start":16.955,"end":17.115,"confidence":0.75341797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1842186450958252},{"word":"was","start":17.115,"end":17.195,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.14317399263381958},{"word":"waiting","start":17.195,"end":17.515,"confidence":0.9921875,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.1565680205821991},{"word":"for","start":17.515,"end":17.755001,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1556113362312317},{"word":"a","start":17.755001,"end":17.835,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13285565376281738},{"word":"message","start":17.835,"end":18.335,"confidence":0.99902344,"punctuated_word":"message","sentiment":"neutral","sentiment_score":-0.09035759419202805},{"word":"because","start":18.395,"end":18.715,"confidence":0.55371094,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1164061427116394},{"word":"they","start":18.715,"end":18.875,"confidence":0.9550781,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.14759069681167605},{"word":"said","start":18.875,"end":19.115,"confidence":0.9970703,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.11026255041360856},{"word":"they","start":19.115,"end":19.195,"confidence":0.7138672,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1345437616109848},{"word":"were","start":19.195,"end":19.275,"confidence":0.8256836,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.11504238843917848},{"word":"gonna","start":19.275,"end":19.515,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.14000406861305237},{"word":"message","start":19.515,"end":19.835,"confidence":0.9760742,"punctuated_word":"message","sentiment":"neutral","sentiment_score":-0.11748553812503816},{"word":"me","start":19.835,"end":20.075,"confidence":0.99316406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.17889370024204254},{"word":"before","start":20.075,"end":20.395,"confidence":0.9941406,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.1125342845916748},{"word":"the","start":20.475,"end":20.635,"confidence":0.9291992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1421755999326706},{"word":"day","start":20.635,"end":20.875,"confidence":0.9863281,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.11312265694141388},{"word":"before","start":20.875,"end":21.275,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.1202062964439392},{"word":"and","start":21.275,"end":21.435,"confidence":0.5019531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0900115966796875},{"word":"nothing","start":21.435,"end":21.755001,"confidence":0.9951172,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.17270445823669434},{"word":"came","start":21.755001,"end":21.994999,"confidence":0.7352295,"punctuated_word":"came,","sentiment":"neutral","sentiment_score":-0.15437714755535126},{"word":"and","start":21.994999,"end":22.154999,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10784155875444412},{"word":"then","start":22.154999,"end":22.314999,"confidence":0.99316406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.09522641450166702},{"word":"i","start":22.314999,"end":22.475,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13124077022075653},{"word":"was","start":22.475,"end":22.715,"confidence":0.96875,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12118609249591827},{"word":"i","start":22.715,"end":22.795,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15729384124279022},{"word":"was","start":22.795,"end":23.035,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15999223291873932},{"word":"busy","start":23.035,"end":23.435,"confidence":1.0,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":-0.20564639568328855},{"word":"traveling","start":23.435,"end":23.935,"confidence":0.94970703,"punctuated_word":"traveling","sentiment":"neutral","sentiment_score":-0.2008029818534851},{"word":"from","start":23.994999,"end":24.314999,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1523878127336502},{"word":"work","start":24.314999,"end":24.814999,"confidence":0.78393555,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.1422901302576065},{"word":"and","start":25.355,"end":25.595001,"confidence":0.7651367,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07683413475751877},{"word":"i","start":25.595001,"end":25.675,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10182934999465942},{"word":"completely","start":25.675,"end":26.175,"confidence":0.9863281,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.10805846005678175},{"word":"forgot","start":26.235,"end":26.735,"confidence":0.9921875,"punctuated_word":"forgot.","sentiment":"neutral","sentiment_score":-0.11996224522590636},{"word":"okay","start":33.68,"end":34.18,"confidence":0.7109375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0382973775267601},{"word":"yeah","start":36.08,"end":36.16,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02862124890089035},{"word":"yeah","start":36.16,"end":36.66,"confidence":0.9719238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.040590234100818634},{"word":"sorry","start":36.8,"end":37.120003,"confidence":0.94921875,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":-0.1480097770690918},{"word":"about","start":37.120003,"end":37.36,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.10066264122724532},{"word":"that","start":37.36,"end":37.86,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.08687717467546463},{"word":"yep","start":45.405,"end":45.905,"confidence":0.92822266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0898536890745163},{"word":"you","start":52.125,"end":52.284996,"confidence":0.8540039,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04785976558923721},{"word":"could","start":52.284996,"end":52.524998,"confidence":0.8359375,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.0665414109826088},{"word":"just","start":52.524998,"end":52.684998,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.060390230268239975},{"word":"walk","start":52.684998,"end":52.925,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.09349042922258376},{"word":"us","start":52.925,"end":53.085,"confidence":0.99316406,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.05819458141922951},{"word":"through","start":53.085,"end":53.245,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08786994963884354},{"word":"it","start":53.245,"end":53.485,"confidence":0.9375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04997580498456955},{"word":"i'm","start":53.485,"end":53.644997,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.022775491699576374},{"word":"sorta","start":53.644997,"end":54.144997,"confidence":0.8833008,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.014318179339170456},{"word":"i","start":54.284996,"end":54.364998,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004397451877593994},{"word":"was","start":54.364998,"end":54.605,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0034457966685295105},{"word":"driving","start":54.605,"end":55.085,"confidence":0.9951172,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":0.01684599742293358},{"word":"before","start":55.085,"end":55.485,"confidence":0.8466797,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.005856761708855629},{"word":"so","start":55.485,"end":55.725,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.013100843876600266},{"word":"i'm","start":55.725,"end":55.805,"confidence":0.98999023,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.013888965360820292},{"word":"still","start":55.805,"end":56.045,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.02834930643439293},{"word":"but","start":56.960003,"end":57.120003,"confidence":0.61865234,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.003172934055328369},{"word":"yeah","start":57.120003,"end":57.280003,"confidence":0.90722656,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.011624887585639954},{"word":"no","start":57.280003,"end":57.36,"confidence":0.8520508,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.005037277936935425},{"word":"you","start":57.36,"end":57.600002,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.043188318610191345},{"word":"can","start":57.600002,"end":57.760002,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0649784654378891},{"word":"just","start":57.760002,"end":57.920002,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0620027557015419},{"word":"walk","start":57.920002,"end":58.08,"confidence":0.9970703,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.08541277050971985},{"word":"us","start":58.08,"end":58.24,"confidence":0.9902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0633363425731659},{"word":"through","start":58.24,"end":58.4,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08877133578062057},{"word":"it","start":58.4,"end":58.48,"confidence":0.90600586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06415490806102753},{"word":"i'll","start":58.48,"end":58.64,"confidence":0.9680176,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07081489264965057},{"word":"just","start":58.64,"end":58.88,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05820542201399803},{"word":"look","start":58.88,"end":59.04,"confidence":0.7890625,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04748080670833587},{"word":"at","start":59.04,"end":59.120003,"confidence":0.80810547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07468229532241821},{"word":"the","start":59.120003,"end":59.280003,"confidence":0.8461914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06640762090682983},{"word":"email","start":59.280003,"end":59.68,"confidence":0.9980469,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.04550959914922714},{"word":"later","start":59.68,"end":59.920002,"confidence":0.9970703,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.04345637932419777},{"word":"on","start":59.920002,"end":60.08,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04479655250906944},{"word":"if","start":60.08,"end":60.58,"confidence":0.85546875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04579102247953415},{"word":"if","start":61.2,"end":61.440002,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03131905570626259},{"word":"that's","start":61.440002,"end":61.68,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04765719920396805},{"word":"alright","start":61.68,"end":62.18,"confidence":0.9926758,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.05287666618824005},{"word":"yeah","start":73.805,"end":74.125,"confidence":0.82910156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04003385454416275},{"word":"not","start":74.125,"end":74.285,"confidence":0.9951172,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.051456306129693985},{"word":"a","start":74.285,"end":74.365005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03183810040354729},{"word":"problem","start":74.365005,"end":74.865005,"confidence":1.0,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.090374656021595},{"word":"yep","start":78.605,"end":79.105,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.028415635228157043},{"word":"address","start":79.485,"end":79.985,"confidence":0.9941406,"punctuated_word":"Address","sentiment":"neutral","sentiment_score":0.031845852732658386},{"word":"28","start":80.045,"end":80.685005,"confidence":0.7714844,"punctuated_word":"28","sentiment":"neutral","sentiment_score":0.03707250580191612},{"word":"riverley","start":80.685005,"end":81.185005,"confidence":0.6326904,"punctuated_word":"Riverley","sentiment":"neutral","sentiment_score":0.05247419327497482},{"word":"waters","start":81.245,"end":81.645004,"confidence":0.94628906,"punctuated_word":"Waters","sentiment":"neutral","sentiment_score":0.04174859821796417},{"word":"drive","start":81.645004,"end":82.145004,"confidence":0.986084,"punctuated_word":"Drive,","sentiment":"neutral","sentiment_score":0.03724093735218048},{"word":"lorraine","start":83.005005,"end":83.505005,"confidence":0.7805176,"punctuated_word":"Lorraine","sentiment":"neutral","sentiment_score":0.07784733176231384},{"word":"4211","start":83.565,"end":84.685005,"confidence":0.9560547,"punctuated_word":"4211,","sentiment":"neutral","sentiment_score":0.05529531463980675},{"word":"birth","start":84.685005,"end":85.005005,"confidence":0.52685547,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.058559294790029526},{"word":"code","start":85.005005,"end":85.325005,"confidence":0.86376953,"punctuated_word":"code,","sentiment":"neutral","sentiment_score":0.06095022335648537},{"word":"and","start":85.325005,"end":85.725006,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04151143133640289},{"word":"02/15/1989","start":85.725006,"end":89.0,"confidence":0.99658203,"punctuated_word":"02/15/1989","sentiment":"neutral","sentiment_score":0.05694196745753288},{"word":"for","start":89.94,"end":90.18,"confidence":0.9667969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04185720160603523},{"word":"the","start":90.18,"end":90.42,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05258318781852722},{"word":"date","start":90.42,"end":90.66,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.05260844528675079},{"word":"of","start":90.66,"end":90.74,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05139705538749695},{"word":"birth","start":90.74,"end":91.24,"confidence":0.9941406,"punctuated_word":"birth.","sentiment":"neutral","sentiment_score":0.05279543995857239},{"word":"yep","start":101.725006,"end":102.225006,"confidence":0.7729492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09978890419006348},{"word":"yep","start":117.700005,"end":118.200005,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10145539045333862},{"word":"yep","start":120.340004,"end":120.840004,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08938132226467133},{"word":"yep","start":125.86,"end":126.36,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.045032940804958344},{"word":"got","start":136.005,"end":136.325,"confidence":0.2298584,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.2822418510913849},{"word":"it","start":136.325,"end":136.825,"confidence":0.69384766,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.20876331627368927},{"word":"yep","start":154.66,"end":155.16,"confidence":0.8535156,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3803872466087342},{"word":"yep","start":184.22,"end":184.72,"confidence":0.95996094,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3367278575897217},{"word":"yep","start":201.145,"end":201.645,"confidence":0.98217773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21665243804454803},{"word":"yep","start":224.58499,"end":225.08499,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2253628969192505},{"word":"yep","start":260.74,"end":260.98,"confidence":0.91186523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1455748975276947},{"word":"swipe","start":260.98,"end":261.48,"confidence":0.7664388,"punctuated_word":"Swipe.","sentiment":"neutral","sentiment_score":0.049899227917194366},{"word":"yep","start":275.665,"end":276.165,"confidence":0.9604492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.15517941117286682},{"word":"yep","start":286.48,"end":286.98,"confidence":0.88378906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.1898997277021408},{"word":"yeah","start":288.64,"end":288.8,"confidence":0.94091797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02050580084323883},{"word":"okay","start":288.8,"end":289.3,"confidence":0.890625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04253074526786804},{"word":"okay","start":312.78,"end":313.28,"confidence":0.7988281,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12512698769569397},{"word":"yep","start":324.875,"end":325.375,"confidence":0.84155273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013816243037581444},{"word":"yeah","start":325.75497,"end":325.91498,"confidence":0.9433594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059798017144203186},{"word":"yeah","start":325.91498,"end":326.41498,"confidence":0.88378906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08762393146753311},{"word":"yep","start":334.63498,"end":335.13498,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1257096529006958},{"word":"yeah","start":347.47,"end":347.87,"confidence":0.8713379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04450436308979988},{"word":"they","start":347.87,"end":348.11,"confidence":0.80810547,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.02245132438838482},{"word":"yeah","start":348.35,"end":348.67,"confidence":0.98461914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.028620857745409012},{"word":"they","start":348.67,"end":348.83,"confidence":0.9892578,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.001598315313458443},{"word":"used","start":348.83,"end":349.07,"confidence":0.99121094,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.00362364761531353},{"word":"to","start":349.07,"end":349.23,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.003891613334417343},{"word":"do","start":349.23,"end":349.39,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0018262844532728195},{"word":"monthly","start":349.39,"end":349.89,"confidence":0.6870117,"punctuated_word":"monthly.","sentiment":"neutral","sentiment_score":0.0037980452179908752},{"word":"it","start":350.825,"end":350.905,"confidence":0.44360352,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.018139254301786423},{"word":"used","start":350.905,"end":350.945,"confidence":0.96435547,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.018146108835935593},{"word":"to","start":350.945,"end":350.98502,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0003275349736213684},{"word":"be","start":350.98502,"end":351.225,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01149050146341324},{"word":"one","start":351.225,"end":351.465,"confidence":0.97802734,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.007473424077033997},{"word":"just","start":351.465,"end":351.70502,"confidence":0.5473633,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0122603140771389},{"word":"big","start":351.70502,"end":351.945,"confidence":0.71435547,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.012660123407840729},{"word":"monthly","start":351.945,"end":352.345,"confidence":0.9873047,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.007294017821550369},{"word":"one","start":352.345,"end":352.845,"confidence":0.85131836,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.004098266363143921},{"word":"yeah","start":353.225,"end":353.465,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04831873998045921},{"word":"they","start":353.465,"end":353.70502,"confidence":0.9243164,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.030458655208349228},{"word":"started","start":353.70502,"end":354.105,"confidence":0.7631836,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.03214776888489723},{"word":"doing","start":354.105,"end":354.42502,"confidence":0.75683594,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.03886309638619423},{"word":"yeah","start":355.385,"end":355.885,"confidence":0.7746582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0840553566813469},{"word":"yes","start":364.03,"end":364.53,"confidence":0.7359619,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14413662254810333},{"word":"yep","start":396.95,"end":397.45,"confidence":0.8581543,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07090403884649277},{"word":"yep","start":400.79,"end":401.29,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.030744975432753563},{"word":"yep","start":411.455,"end":411.615,"confidence":0.8720703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07237795740365982},{"word":"okay","start":411.615,"end":412.115,"confidence":0.7529297,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12267952412366868},{"word":"yep","start":427.48,"end":427.98,"confidence":0.8154297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2459836304187775},{"word":"okay","start":437.035,"end":437.355,"confidence":0.6401367,"punctuated_word":"Okay","sentiment":"neutral","sentiment_score":0.1216784566640854},{"word":"then","start":437.355,"end":437.755,"confidence":0.9511719,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.13464000821113586},{"word":"yep","start":437.755,"end":438.255,"confidence":0.83496094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13352391123771667},{"word":"yeah","start":442.155,"end":442.315,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.060145772993564606},{"word":"yeah","start":442.315,"end":442.635,"confidence":0.90185547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05400425568223},{"word":"yeah","start":442.635,"end":442.79498,"confidence":0.77001953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030330441892147064},{"word":"so","start":442.79498,"end":443.29498,"confidence":0.7426758,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0069565847516059875},{"word":"don't","start":443.51498,"end":443.835,"confidence":0.9099121,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02291962504386902},{"word":"do","start":443.835,"end":443.995,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.028439410030841827},{"word":"anything","start":443.995,"end":444.315,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.04501572251319885},{"word":"and","start":444.315,"end":444.475,"confidence":0.5073242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.058639850467443466},{"word":"then","start":444.475,"end":444.715,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.025394968688488007},{"word":"just","start":444.715,"end":444.79498,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04704578220844269},{"word":"yeah","start":444.875,"end":445.195,"confidence":0.9970703,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04037269949913025},{"word":"sorta","start":445.195,"end":445.595,"confidence":0.7780762,"punctuated_word":"Sorta","sentiment":"neutral","sentiment_score":-0.03106319345533848},{"word":"like","start":445.595,"end":445.835,"confidence":0.97802734,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.013772420585155489},{"word":"what","start":445.835,"end":446.335,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.005495041608810425},{"word":"we","start":446.715,"end":446.955,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.009430922567844393},{"word":"did","start":446.955,"end":447.195,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.008494049310684204},{"word":"this","start":447.195,"end":447.51498,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0086522176861763},{"word":"year","start":447.51498,"end":448.01498,"confidence":0.9951172,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.03549996018409729},{"word":"with","start":448.315,"end":448.555,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.027735304087400436},{"word":"the","start":448.555,"end":449.055,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02718278393149376},{"word":"with","start":450.47,"end":450.71,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.022380322217941284},{"word":"the","start":450.71,"end":450.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02423861622810364},{"word":"50,000","start":450.87,"end":451.67,"confidence":0.95910645,"punctuated_word":"50,000.","sentiment":"neutral","sentiment_score":0.02484708651900291},{"word":"is","start":451.67,"end":451.83002,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.04466245695948601},{"word":"that","start":451.83002,"end":451.99,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06207241863012314},{"word":"is","start":451.99,"end":452.23,"confidence":0.8442383,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05907273292541504},{"word":"that","start":452.23,"end":452.39,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08022646605968475},{"word":"what","start":452.39,"end":452.47,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04130567982792854},{"word":"you're","start":452.47,"end":452.63,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06484343856573105},{"word":"trying","start":452.63,"end":452.7,"confidence":0.99316406,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.048489298671483994},{"word":"to","start":452.7,"end":452.95,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04415460675954819},{"word":"say","start":452.95,"end":453.45,"confidence":1.0,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.0511913076043129},{"word":"yep","start":461.99,"end":462.49,"confidence":0.9345703,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3649122416973114},{"word":"yep","start":464.05502,"end":464.55502,"confidence":0.7722168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.215637668967247},{"word":"yeah","start":467.73502,"end":468.05502,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20247414708137512},{"word":"okay","start":468.05502,"end":468.55502,"confidence":0.97143555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2408058196306229},{"word":"yes","start":470.295,"end":470.61502,"confidence":0.7446289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.26862484216690063},{"word":"right","start":470.61502,"end":471.11502,"confidence":0.84350586,"punctuated_word":"Right.","sentiment":"positive","sentiment_score":0.4080545902252197},{"word":"yeah","start":482.1,"end":482.25998,"confidence":0.96875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18004846572875977},{"word":"i","start":482.25998,"end":482.34,"confidence":0.36938477,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14228764176368713},{"word":"got","start":482.34,"end":482.66,"confidence":0.6064453,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17961835861206055},{"word":"them","start":482.66,"end":483.16,"confidence":0.7661133,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.21099284291267395},{"word":"yep","start":483.22,"end":483.72,"confidence":0.8989258,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2461848258972168},{"word":"yeah","start":486.18,"end":486.68,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13127152621746063},{"word":"yep","start":490.285,"end":490.785,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18457382917404175},{"word":"no","start":505.36,"end":505.84,"confidence":0.8708496,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.3307400345802307},{"word":"no","start":505.84,"end":506.34,"confidence":0.8779297,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3989608585834503},{"word":"yep","start":525.255,"end":525.755,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04518992453813553},{"word":"yep","start":533.17,"end":533.67,"confidence":0.9650879,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.348008930683136},{"word":"okay","start":546.075,"end":546.575,"confidence":0.9145508,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.244203120470047},{"word":"yep","start":546.635,"end":547.135,"confidence":0.953125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2325117588043213},{"word":"we","start":579.21497,"end":579.535,"confidence":0.5073242,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.010030779987573624},{"word":"do","start":579.535,"end":580.035,"confidence":0.7895508,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.010992290452122688},{"word":"yeah","start":580.175,"end":580.675,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03636634349822998},{"word":"sometimes","start":580.815,"end":581.315,"confidence":0.7902832,"punctuated_word":"Sometimes.","sentiment":"neutral","sentiment_score":-0.038861118257045746},{"word":"like","start":581.695,"end":581.935,"confidence":0.6582031,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.033384691923856735},{"word":"yeah","start":581.935,"end":582.175,"confidence":0.9025879,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.02767719328403473},{"word":"we","start":582.175,"end":582.57,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03126971423625946},{"word":"so","start":583.77,"end":584.01,"confidence":0.8195801,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.044529251754283905},{"word":"yeah","start":584.01,"end":584.33,"confidence":0.97265625,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.031696662306785583},{"word":"i","start":584.33,"end":584.41003,"confidence":0.93115234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0481402650475502},{"word":"work","start":584.41003,"end":584.65,"confidence":0.86035156,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.0326579250395298},{"word":"in","start":584.65,"end":584.89,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04568461701273918},{"word":"concrete","start":584.89,"end":585.37,"confidence":0.89624023,"punctuated_word":"concrete,","sentiment":"neutral","sentiment_score":-0.04735430330038071},{"word":"but","start":585.37,"end":585.53,"confidence":0.9255371,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.051911741495132446},{"word":"like","start":585.53,"end":585.77,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05014750361442566},{"word":"sometimes","start":585.77,"end":586.27,"confidence":0.89331055,"punctuated_word":"sometimes,","sentiment":"neutral","sentiment_score":-0.06739000976085663},{"word":"i","start":586.33,"end":586.41003,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06341201812028885},{"word":"mean","start":586.41003,"end":586.73,"confidence":0.9592285,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.05678702890872955},{"word":"i","start":586.73,"end":587.13,"confidence":0.23254395,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03703990951180458},{"word":"just","start":587.13,"end":587.21,"confidence":0.37817383,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03314770385622978},{"word":"take","start":587.21,"end":587.61,"confidence":0.26953125,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.03893162310123443},{"word":"the","start":587.61,"end":587.85004,"confidence":0.5205078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06219494342803955},{"word":"underground","start":587.85004,"end":588.35004,"confidence":0.9921875,"punctuated_word":"underground","sentiment":"neutral","sentiment_score":-0.05202018842101097},{"word":"to","start":589.77,"end":590.27,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06536427140235901},{"word":"deliver","start":590.49,"end":590.89,"confidence":1.0,"punctuated_word":"deliver","sentiment":"neutral","sentiment_score":-0.03997562825679779},{"word":"the","start":590.89,"end":591.05,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05749999359250069},{"word":"concrete","start":591.05,"end":591.45,"confidence":1.0,"punctuated_word":"concrete","sentiment":"neutral","sentiment_score":-0.02960362657904625},{"word":"because","start":591.45,"end":591.69,"confidence":0.8959961,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04562150686979294},{"word":"we're","start":591.69,"end":591.85004,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.05801321193575859},{"word":"doing","start":591.85004,"end":592.25,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.05652743950486183},{"word":"tunnel","start":592.25,"end":592.65,"confidence":1.0,"punctuated_word":"tunnel","sentiment":"neutral","sentiment_score":-0.0625094547867775},{"word":"tunnel","start":592.65,"end":593.13,"confidence":0.9980469,"punctuated_word":"tunnel","sentiment":"neutral","sentiment_score":-0.055422618985176086},{"word":"work","start":593.13,"end":593.63,"confidence":0.9921875,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.019272297620773315},{"word":"could","start":605.065,"end":605.30505,"confidence":0.52734375,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":-0.05411346256732941},{"word":"be","start":605.30505,"end":605.465,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04307293519377709},{"word":"anything","start":605.465,"end":605.86505,"confidence":0.9790039,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.04458831250667572},{"word":"i","start":605.86505,"end":606.025,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06272090971469879},{"word":"know","start":606.025,"end":606.265,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06858183443546295},{"word":"i","start":606.265,"end":606.34503,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07553026080131531},{"word":"know","start":606.34503,"end":606.585,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05431270971894264},{"word":"where","start":606.585,"end":607.085,"confidence":0.7792969,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03813237324357033},{"word":"we","start":607.22504,"end":607.54504,"confidence":0.46557617,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.034550897777080536},{"word":"go","start":607.54504,"end":607.78503,"confidence":0.9448242,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.01882971078157425},{"word":"a","start":607.78503,"end":607.945,"confidence":0.95166016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.038200195878744125},{"word":"few","start":607.945,"end":608.185,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.03246944025158882},{"word":"kilometers","start":608.185,"end":608.66504,"confidence":0.9892578,"punctuated_word":"kilometers","sentiment":"neutral","sentiment_score":-0.023517651483416557},{"word":"in","start":608.66504,"end":609.16504,"confidence":0.99316406,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.04924730211496353},{"word":"but","start":609.30505,"end":609.54504,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06307268142700195},{"word":"i","start":609.54504,"end":609.625,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11018219590187071},{"word":"don't","start":609.625,"end":609.945,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1034068614244461},{"word":"know","start":609.945,"end":610.025,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.09483710676431656},{"word":"the","start":610.025,"end":610.35,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10202780365943909},{"word":"actual","start":610.50995,"end":610.82996,"confidence":0.99902344,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":-0.10219883918762208},{"word":"depth","start":610.82996,"end":611.32996,"confidence":0.9362793,"punctuated_word":"depth.","sentiment":"neutral","sentiment_score":-0.06340162456035614},{"word":"it'd","start":611.87,"end":612.11,"confidence":0.98461914,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":-0.003163351444527507},{"word":"be","start":612.11,"end":612.26996,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0011106356978416445},{"word":"a","start":612.26996,"end":612.43,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003615830093622208},{"word":"lot","start":612.43,"end":612.75,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.013281438499689102},{"word":"like","start":612.75,"end":613.25,"confidence":0.5991211,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0002144649624824524},{"word":"like","start":615.14996,"end":615.38995,"confidence":0.76293945,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.004536906257271767},{"word":"i","start":615.38995,"end":615.47,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008151579648256302},{"word":"can","start":615.47,"end":615.70996,"confidence":0.96972656,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01791030913591385},{"word":"tell","start":615.70996,"end":615.87,"confidence":0.9980469,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.019001860171556473},{"word":"you","start":615.87,"end":615.94995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024847496300935745},{"word":"how","start":615.94995,"end":616.19,"confidence":0.99121094,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.008125051856040955},{"word":"far","start":616.19,"end":616.27,"confidence":0.74365234,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.004943203181028366},{"word":"yeah","start":616.35,"end":616.58997,"confidence":0.9748535,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.008590219542384148},{"word":"like","start":616.58997,"end":616.82996,"confidence":0.9790039,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.01969357766211033},{"word":"it's","start":616.82996,"end":616.99,"confidence":0.9641113,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.017490003257989883},{"word":"a","start":616.99,"end":617.14996,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025185784325003624},{"word":"few","start":617.14996,"end":617.31,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.006629005074501038},{"word":"kilometers","start":617.31,"end":617.79,"confidence":0.9970703,"punctuated_word":"kilometers","sentiment":"neutral","sentiment_score":0.015001796185970306},{"word":"in","start":617.79,"end":617.94995,"confidence":0.9267578,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.0003077816218137741},{"word":"but","start":617.94995,"end":618.19,"confidence":0.8120117,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.017242884263396263},{"word":"yeah","start":618.19,"end":618.43,"confidence":0.8691406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.020037855952978138},{"word":"i","start":618.43,"end":618.50995,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03210246562957764},{"word":"don't","start":618.50995,"end":618.75,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06502637267112732},{"word":"know","start":618.75,"end":618.91,"confidence":0.9873047,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07174693048000336},{"word":"the","start":618.91,"end":618.99,"confidence":0.7739258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.085439532995224},{"word":"hot","start":618.99,"end":619.14996,"confidence":0.37182617,"punctuated_word":"hot","sentiment":"neutral","sentiment_score":-0.04684414714574814},{"word":"you","start":619.23,"end":619.38995,"confidence":0.8388672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06515106558799744},{"word":"know","start":619.38995,"end":619.79,"confidence":0.9746094,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06440477818250656},{"word":"how","start":619.79,"end":620.02997,"confidence":0.90722656,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.03824331611394882},{"word":"deep","start":620.02997,"end":620.35,"confidence":0.98828125,"punctuated_word":"deep","sentiment":"neutral","sentiment_score":-0.04449761286377907},{"word":"we","start":620.35,"end":620.58997,"confidence":0.9760742,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01022215187549591},{"word":"go","start":620.58997,"end":620.75,"confidence":0.6074219,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.00971413031220436},{"word":"down","start":620.75,"end":621.25,"confidence":0.8112793,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.023913992568850517},{"word":"but","start":622.50995,"end":622.67,"confidence":0.984375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03421064093708992},{"word":"it","start":622.67,"end":622.82996,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05746801197528839},{"word":"would","start":622.82996,"end":622.99,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0642368495464325},{"word":"be","start":622.99,"end":623.14996,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06327079236507416},{"word":"a","start":623.14996,"end":623.23,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2108859419822693},{"word":"few","start":623.23,"end":623.47,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.0565732978284359},{"word":"100","start":623.47,"end":623.87,"confidence":0.99902344,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.04797867685556412},{"word":"meters","start":623.87,"end":624.26996,"confidence":0.99609375,"punctuated_word":"meters","sentiment":"neutral","sentiment_score":0.06389902532100677},{"word":"at","start":624.26996,"end":624.43,"confidence":0.7363281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04268034547567368},{"word":"least","start":624.43,"end":624.93,"confidence":0.99560547,"punctuated_word":"least.","sentiment":"neutral","sentiment_score":0.04531882330775261},{"word":"yeah","start":626.065,"end":626.565,"confidence":0.87597656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07125161588191986},{"word":"yep","start":646.83,"end":647.33,"confidence":0.9675293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09769667685031892},{"word":"okay","start":661.895,"end":662.295,"confidence":0.515625,"punctuated_word":"Okay","sentiment":"neutral","sentiment_score":0.17977342009544373},{"word":"then","start":662.295,"end":662.795,"confidence":0.9304199,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.13983356952667236},{"word":"yeah","start":665.975,"end":666.295,"confidence":0.9597168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1393814980983734},{"word":"okay","start":666.295,"end":666.795,"confidence":0.982666,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13500845432281494},{"word":"yep","start":675.07,"end":675.57,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.164590522646904},{"word":"yep","start":679.23004,"end":679.73004,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16027052700519562},{"word":"yeah","start":689.305,"end":689.545,"confidence":0.9572754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0998833030462265},{"word":"kinda","start":689.545,"end":690.045,"confidence":0.80159503,"punctuated_word":"Kinda.","sentiment":"neutral","sentiment_score":0.0953100323677063},{"word":"yes","start":690.105,"end":690.58496,"confidence":0.81152344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08272559195756912},{"word":"what","start":690.58496,"end":691.08496,"confidence":0.6279297,"punctuated_word":"What?","sentiment":"neutral","sentiment_score":0.056464068591594696},{"word":"yep","start":699.065,"end":699.565,"confidence":0.9797363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07256028056144714},{"word":"yeah","start":706.32,"end":706.56,"confidence":0.85668945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15149646997451782},{"word":"it's","start":706.56,"end":706.64,"confidence":0.7314453,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.3195892572402954},{"word":"too","start":706.64,"end":706.88,"confidence":0.6176758,"punctuated_word":"too","sentiment":"positive","sentiment_score":0.34808000922203064},{"word":"easy","start":706.88,"end":707.38,"confidence":0.9753418,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.3527302145957947},{"word":"yep","start":717.645,"end":718.145,"confidence":0.91137695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11183080077171326},{"word":"yep","start":722.84503,"end":723.34503,"confidence":0.6932373,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1269049048423767},{"word":"okay","start":727.42,"end":727.92,"confidence":0.85961914,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08210426568984985},{"word":"yep","start":741.18,"end":741.68,"confidence":0.7595215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16797837615013125},{"word":"yep","start":748.845,"end":749.345,"confidence":0.96972656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12145689129829408},{"word":"yep","start":755.62,"end":756.12,"confidence":0.96118164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14759010076522827},{"word":"yeah","start":767.38,"end":767.7,"confidence":0.970459,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10951361060142516},{"word":"kinda","start":767.7,"end":768.2,"confidence":0.85514325,"punctuated_word":"Kinda.","sentiment":"neutral","sentiment_score":0.09966802597045898},{"word":"just","start":768.26,"end":768.5,"confidence":0.64501953,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06561510264873505},{"word":"wait","start":768.5,"end":769.0,"confidence":0.74243164,"punctuated_word":"wait.","sentiment":"neutral","sentiment_score":0.06014835089445114},{"word":"well","start":778.615,"end":778.855,"confidence":0.9550781,"punctuated_word":"Well","sentiment":"neutral","sentiment_score":0.07053864002227783},{"word":"yeah","start":778.935,"end":779.435,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0802890956401825},{"word":"because","start":779.495,"end":779.895,"confidence":0.921875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.050339072942733765},{"word":"from","start":779.895,"end":780.21497,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08088008314371109},{"word":"monday","start":780.21497,"end":780.615,"confidence":0.9848633,"punctuated_word":"Monday,","sentiment":"neutral","sentiment_score":0.08656889200210571},{"word":"i'll","start":780.615,"end":780.855,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10393889248371124},{"word":"be","start":780.855,"end":781.015,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08402992784976959},{"word":"back","start":781.015,"end":781.175,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09888303279876708},{"word":"to","start":781.175,"end":781.335,"confidence":0.5449219,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.055007558315992355},{"word":"work","start":781.335,"end":781.65497,"confidence":0.9890137,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.06294336915016174},{"word":"but","start":781.65497,"end":781.815,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05141819640994072},{"word":"i'm","start":781.815,"end":782.055,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03552774712443352},{"word":"on","start":782.055,"end":782.21497,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05902895703911781},{"word":"night","start":782.21497,"end":782.455,"confidence":0.9941406,"punctuated_word":"night","sentiment":"neutral","sentiment_score":0.06229785084724426},{"word":"shift","start":782.455,"end":782.855,"confidence":0.90527344,"punctuated_word":"shift.","sentiment":"neutral","sentiment_score":0.07181008160114288},{"word":"so","start":782.855,"end":783.355,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08889903873205185},{"word":"so","start":783.815,"end":784.21497,"confidence":0.99121094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.123153455555439},{"word":"i","start":784.21497,"end":784.455,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09423322230577467},{"word":"i","start":784.455,"end":784.535,"confidence":0.94189453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10736821591854095},{"word":"can","start":784.535,"end":784.77496,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14119960367679596},{"word":"do","start":784.77496,"end":784.935,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14987443387508392},{"word":"any","start":784.935,"end":785.255,"confidence":0.45629883,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17842869460582733},{"word":"time","start":785.255,"end":785.7,"confidence":0.9875488,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.04827595502138138},{"word":"usually","start":786.18,"end":786.58,"confidence":0.98657227,"punctuated_word":"Usually,","sentiment":"neutral","sentiment_score":0.06463856995105743},{"word":"i","start":786.58,"end":786.74,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0952899008989334},{"word":"wake","start":786.74,"end":786.9,"confidence":0.97265625,"punctuated_word":"wake","sentiment":"neutral","sentiment_score":0.09509171545505524},{"word":"up","start":786.9,"end":787.14,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07879608869552612},{"word":"about","start":787.14,"end":787.46,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06791955977678299},{"word":"twelve","start":787.46,"end":787.78,"confidence":0.9707031,"punctuated_word":"twelve,","sentiment":"neutral","sentiment_score":0.06206220388412475},{"word":"01:00","start":787.78,"end":788.34,"confidence":0.9784546,"punctuated_word":"01:00,","sentiment":"neutral","sentiment_score":0.06164040416479111},{"word":"and","start":788.34,"end":788.84,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05479894205927849},{"word":"i'll","start":789.22003,"end":789.38,"confidence":0.9741211,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0584409199655056},{"word":"go","start":789.38,"end":789.54004,"confidence":0.9902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09182843565940856},{"word":"to","start":789.54004,"end":789.7,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09757660329341888},{"word":"dinner","start":789.7,"end":790.10004,"confidence":0.9980469,"punctuated_word":"dinner","sentiment":"neutral","sentiment_score":0.07127407193183899},{"word":"in","start":790.10004,"end":790.26,"confidence":0.4675293,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05088698491454125},{"word":"about","start":790.26,"end":790.76,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0711766928434372},{"word":"or","start":791.06,"end":791.22003,"confidence":0.57421875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04351410269737244},{"word":"go","start":791.22003,"end":791.38,"confidence":0.84472656,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1014408990740776},{"word":"have","start":791.38,"end":791.62,"confidence":0.93359375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07892264425754547},{"word":"some","start":791.62,"end":791.86,"confidence":0.64697266,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.057689618319272995},{"word":"night","start":791.86,"end":792.10004,"confidence":0.7709961,"punctuated_word":"night","sentiment":"neutral","sentiment_score":0.060835015028715134},{"word":"about","start":792.10004,"end":792.5,"confidence":0.9326172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06241168826818466},{"word":"four","start":792.5,"end":793.0,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.04584641754627228},{"word":"04:00","start":793.06,"end":793.7,"confidence":0.95654297,"punctuated_word":"04:00.","sentiment":"neutral","sentiment_score":0.05709734559059143},{"word":"so","start":793.7,"end":793.94,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07549163699150085},{"word":"anytime","start":793.94,"end":794.42,"confidence":0.81152344,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":0.0765785202383995},{"word":"from","start":794.42,"end":794.58,"confidence":0.97265625,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.056152962148189545},{"word":"one","start":794.58,"end":794.9,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05242190882563591},{"word":"till","start":794.9,"end":795.14,"confidence":0.8881836,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.061098162084817886},{"word":"four","start":795.14,"end":795.64,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.05582991987466812},{"word":"from","start":796.02,"end":796.5,"confidence":0.8720703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05704528838396072},{"word":"tuesday","start":796.5,"end":797.0,"confidence":0.9995117,"punctuated_word":"Tuesday,","sentiment":"neutral","sentiment_score":0.0655602291226387},{"word":"wednesday","start":797.06,"end":797.46,"confidence":0.9995117,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.06903891265392303},{"word":"thursday","start":797.46,"end":797.86,"confidence":0.9765625,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":0.07107681781053543},{"word":"friday","start":797.86,"end":798.34,"confidence":0.9970703,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":0.06515606492757797},{"word":"next","start":798.34,"end":798.58,"confidence":0.8833008,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06812293082475662},{"word":"week","start":798.58,"end":798.74,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.06908301264047623},{"word":"if","start":798.74,"end":798.98004,"confidence":0.6196289,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11377238482236862},{"word":"you","start":798.98004,"end":799.06,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10813018679618835},{"word":"wanna","start":799.06,"end":799.38,"confidence":0.98828125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1066317856311798},{"word":"do","start":799.38,"end":799.54004,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10956578701734544},{"word":"it","start":799.54004,"end":800.04004,"confidence":0.8046875,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.10029906034469604},{"word":"then","start":801.275,"end":801.67505,"confidence":0.9326172,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.06326766312122345},{"word":"or","start":801.67505,"end":802.17505,"confidence":0.68896484,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05697524920105934},{"word":"anytime","start":802.79504,"end":803.275,"confidence":0.60791016,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":0.058750927448272705},{"word":"like","start":803.275,"end":803.435,"confidence":0.9223633,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07180462777614594},{"word":"that","start":803.435,"end":803.67505,"confidence":0.9172363,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09849104285240172},{"word":"yeah","start":803.67505,"end":804.17505,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2791116535663605},{"word":"yeah","start":812.395,"end":812.895,"confidence":0.9421387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0628872960805893},{"word":"yeah","start":815.25995,"end":815.5,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06351496279239655},{"word":"because","start":815.5,"end":815.89996,"confidence":0.93408203,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.04182623326778412},{"word":"yeah","start":816.06,"end":816.38,"confidence":0.99121094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05818905681371689},{"word":"because","start":816.38,"end":816.62,"confidence":0.9951172,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.04867525398731232},{"word":"i'm","start":816.62,"end":816.77997,"confidence":0.9802246,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06410001218318939},{"word":"at","start":816.77997,"end":816.94,"confidence":0.54785156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.053153425455093384},{"word":"work","start":816.94,"end":817.18,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0789765790104866},{"word":"till","start":817.18,"end":817.5,"confidence":0.9902344,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.09145010262727736},{"word":"the","start":817.5,"end":817.66,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07820458710193634},{"word":"twenty","start":817.66,"end":817.98,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.0785091370344162},{"word":"fourth","start":817.98,"end":818.48,"confidence":0.88256836,"punctuated_word":"fourth.","sentiment":"neutral","sentiment_score":0.08109089732170105},{"word":"so","start":819.1,"end":819.33997,"confidence":0.55810547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09023264050483704},{"word":"so","start":819.33997,"end":819.57996,"confidence":0.62646484,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.109548419713974},{"word":"that's","start":819.57996,"end":819.81995,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12433911859989166},{"word":"when","start":819.81995,"end":819.98,"confidence":0.96875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10350018739700316},{"word":"i","start":819.98,"end":820.13995,"confidence":0.93115234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1289210021495819},{"word":"find","start":820.13995,"end":820.38,"confidence":0.49560547,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.11007999628782272},{"word":"a","start":820.38,"end":820.45996,"confidence":0.41479492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10883508622646332},{"word":"home","start":820.45996,"end":820.94,"confidence":0.9980469,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.08882603049278259},{"word":"on","start":820.94,"end":821.1,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09737902879714966},{"word":"the","start":821.1,"end":821.18,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12043345719575882},{"word":"twenty","start":821.18,"end":821.5,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.12033064663410188},{"word":"fourth","start":821.5,"end":821.81995,"confidence":0.91748047,"punctuated_word":"fourth.","sentiment":"neutral","sentiment_score":0.11788567900657654},{"word":"so","start":821.81995,"end":821.98,"confidence":0.7385254,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.13674452900886536},{"word":"yeah","start":821.98,"end":822.3,"confidence":0.98461914,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.13208580017089844},{"word":"anytime","start":822.3,"end":822.8,"confidence":0.93408203,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":0.10656548291444778},{"word":"from","start":824.22,"end":824.54,"confidence":0.95947266,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08398827910423279},{"word":"monday","start":824.54,"end":824.94,"confidence":1.0,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.09016859531402588},{"word":"onwards","start":824.94,"end":825.44,"confidence":0.9675293,"punctuated_word":"onwards.","sentiment":"neutral","sentiment_score":0.10439316928386688},{"word":"yep","start":839.815,"end":840.315,"confidence":0.97265625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12323389947414398},{"word":"yep","start":848.08,"end":848.4,"confidence":0.967041,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05253610759973526},{"word":"that's","start":848.4,"end":848.9,"confidence":0.9904785,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02294518426060677},{"word":"fine","start":850.32,"end":850.82,"confidence":0.9980469,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.03176557645201683},{"word":"yep","start":852.0,"end":852.5,"confidence":0.94433594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1602883338928223},{"word":"that's","start":852.56,"end":852.88,"confidence":0.89086914,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.31616711616516113},{"word":"not","start":852.88,"end":853.12,"confidence":0.68847656,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.3508044183254242},{"word":"a","start":853.12,"end":853.37,"confidence":0.9892578,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35423827171325684},{"word":"problem","start":853.37,"end":853.87,"confidence":0.9995117,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.4246821999549866},{"word":"yep","start":872.045,"end":872.545,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1604537069797516},{"word":"okay","start":880.22,"end":880.72,"confidence":0.88720703,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.38209792971611023},{"word":"no","start":895.825,"end":896.22504,"confidence":0.95043945,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.31186413764953613},{"word":"not","start":896.22504,"end":896.54504,"confidence":0.99316406,"punctuated_word":"Not","sentiment":"negative","sentiment_score":-0.35966935753822327},{"word":"really","start":896.54504,"end":897.04504,"confidence":0.9995117,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.2886701226234436},{"word":"no","start":897.265,"end":897.585,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07459726184606552},{"word":"there","start":897.585,"end":897.825,"confidence":0.9326172,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.1770443320274353},{"word":"wasn't","start":897.825,"end":898.22504,"confidence":0.9914551,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.180431067943573},{"word":"as","start":899.10504,"end":899.265,"confidence":0.9658203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1869647204875946},{"word":"i","start":899.265,"end":899.505,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16648045182228088},{"word":"said","start":899.505,"end":899.745,"confidence":0.93847656,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.1132962703704834},{"word":"before","start":899.745,"end":900.065,"confidence":0.9572754,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.14660340547561646},{"word":"the","start":900.065,"end":900.22504,"confidence":0.9506836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24497950077056885},{"word":"only","start":900.22504,"end":900.465,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.2756709158420563},{"word":"thing","start":900.465,"end":900.705,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.3151776194572449},{"word":"that","start":900.705,"end":900.825,"confidence":0.87841797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.287577360868454},{"word":"i","start":900.825,"end":900.945,"confidence":0.84716797,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.38871991634368896},{"word":"i","start":900.945,"end":901.025,"confidence":0.27148438,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.47025376558303833},{"word":"don't","start":901.025,"end":901.265,"confidence":0.7561035,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3933510184288025},{"word":"like","start":901.265,"end":901.765,"confidence":0.7758789,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.41125696897506714},{"word":"i","start":902.09,"end":902.33,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.42448464035987854},{"word":"was","start":902.33,"end":902.49,"confidence":0.99902344,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.3679578900337219},{"word":"gonna","start":902.49,"end":902.73,"confidence":0.96240234,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.3493901789188385},{"word":"do","start":902.73,"end":903.05,"confidence":0.9941406,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.40875664353370667},{"word":"was","start":903.05,"end":903.29004,"confidence":0.7763672,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.36499449610710144},{"word":"the","start":903.29004,"end":903.79004,"confidence":0.9838867,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3982825875282288},{"word":"suit","start":903.85004,"end":904.35004,"confidence":0.52783203,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":-0.30329543352127075},{"word":"the","start":906.41003,"end":906.57,"confidence":0.94384766,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3339279294013977},{"word":"investment","start":906.57,"end":907.05,"confidence":0.94384766,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.30227404832839966},{"word":"property","start":907.05,"end":907.45,"confidence":0.6459961,"punctuated_word":"property","sentiment":"negative","sentiment_score":-0.4662879705429077},{"word":"in","start":907.45,"end":907.61,"confidence":0.7373047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.318655788898468},{"word":"suitors","start":907.61,"end":907.93,"confidence":0.8378906,"punctuated_word":"suitors,","sentiment":"neutral","sentiment_score":-0.33109551668167114},{"word":"but","start":907.93,"end":908.01,"confidence":0.8051758,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.3011912703514099},{"word":"that's","start":908.01,"end":908.25,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4946867823600769},{"word":"gone","start":908.25,"end":908.49,"confidence":0.68847656,"punctuated_word":"gone","sentiment":"negative","sentiment_score":-0.49300655722618103},{"word":"out","start":908.49,"end":908.65,"confidence":0.9941406,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.48404189944267273},{"word":"the","start":908.65,"end":908.81,"confidence":0.9199219,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4638600945472718},{"word":"window","start":908.81,"end":909.21,"confidence":0.8808594,"punctuated_word":"window.","sentiment":"negative","sentiment_score":-0.4044301211833954},{"word":"so","start":909.21,"end":909.37,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.25357338786125183},{"word":"i've","start":909.37,"end":909.53,"confidence":0.5887451,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.25475025177001953},{"word":"got","start":909.53,"end":909.85004,"confidence":0.7949219,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.19344840943813324},{"word":"nothing","start":909.85004,"end":910.33,"confidence":0.95947266,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.1730264127254486},{"word":"really","start":910.33,"end":910.65,"confidence":0.984375,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.15798145532608032},{"word":"else","start":910.65,"end":911.15,"confidence":0.8815918,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.14650067687034607},{"word":"the","start":913.21,"end":913.45,"confidence":0.2788086,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1078961044549942},{"word":"smsf","start":913.45,"end":913.95,"confidence":0.9318034,"punctuated_word":"SMSF,","sentiment":"neutral","sentiment_score":-0.06649133563041687},{"word":"that's","start":914.25,"end":914.49,"confidence":0.98291016,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.10650555789470673},{"word":"that","start":914.73,"end":914.89,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1318632960319519},{"word":"was","start":914.89,"end":914.97003,"confidence":0.99316406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11392168700695038},{"word":"the","start":914.97003,"end":915.13,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1015740931034088},{"word":"only","start":915.13,"end":915.37,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.0894298106431961},{"word":"thing","start":915.37,"end":915.61,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.037840336561203},{"word":"we're","start":915.61,"end":915.77,"confidence":0.9782715,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.04378077015280723},{"word":"really","start":915.77,"end":916.01,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.05050839111208916},{"word":"gonna","start":916.01,"end":916.17,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04828992858529091},{"word":"i","start":916.33,"end":916.41003,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06294558942317963},{"word":"was","start":916.41003,"end":916.65,"confidence":0.99316406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05257783085107803},{"word":"gonna","start":916.65,"end":916.89,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03752168267965317},{"word":"look","start":916.89,"end":917.05,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01976047456264496},{"word":"into","start":917.05,"end":917.37,"confidence":0.7668457,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":-0.044968798756599426},{"word":"but","start":917.37,"end":917.715,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08351077139377594},{"word":"now","start":917.875,"end":918.11505,"confidence":0.99609375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.09593065083026886},{"word":"that","start":918.11505,"end":918.195,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1031947210431099},{"word":"that's","start":918.195,"end":918.35504,"confidence":0.97021484,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.10363559424877168},{"word":"how","start":918.35504,"end":918.85504,"confidence":0.8496094,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.10580761730670928},{"word":"it's","start":919.275,"end":919.775,"confidence":0.51464844,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11237984150648116},{"word":"gone","start":920.195,"end":920.695,"confidence":0.7680664,"punctuated_word":"gone,","sentiment":"neutral","sentiment_score":-0.09555460512638092},{"word":"there's","start":920.835,"end":921.155,"confidence":0.87597656,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.108682319521904},{"word":"not","start":921.155,"end":921.23505,"confidence":0.98291016,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06762358546257019},{"word":"much","start":921.23505,"end":921.47504,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1163337454199791},{"word":"else","start":921.47504,"end":921.79504,"confidence":0.8979492,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":-0.11676707863807678},{"word":"to","start":921.79504,"end":921.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11573518812656404},{"word":"be","start":921.875,"end":922.03503,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0926373451948166},{"word":"honest","start":922.03503,"end":922.53503,"confidence":1.0,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.08596578985452652},{"word":"yep","start":930.275,"end":930.775,"confidence":0.9638672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08492431044578552},{"word":"yeah","start":947.725,"end":947.965,"confidence":0.85058594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0612526535987854},{"word":"definitely","start":947.965,"end":948.465,"confidence":0.99658203,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.04462559521198273},{"word":"yeah","start":954.765,"end":955.265,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002694305032491684},{"word":"yeah","start":955.485,"end":955.805,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013003602623939514},{"word":"exactly","start":955.805,"end":956.305,"confidence":0.94799805,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.015639018267393112},{"word":"yeah","start":958.445,"end":958.84503,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08117040246725082},{"word":"not","start":958.84503,"end":959.085,"confidence":0.68896484,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.19656063616275787},{"word":"a","start":959.085,"end":959.165,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1234608143568039},{"word":"problem","start":959.165,"end":959.565,"confidence":1.0,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.1895015835762024},{"word":"yeah","start":959.565,"end":959.805,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25459516048431396},{"word":"that'd","start":959.805,"end":960.045,"confidence":0.986084,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.35390567779541016},{"word":"be","start":960.045,"end":960.285,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.349092572927475},{"word":"that'd","start":960.285,"end":960.605,"confidence":0.9951172,"punctuated_word":"that'd","sentiment":"positive","sentiment_score":0.44507670402526855},{"word":"be","start":960.605,"end":960.765,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.47619110345840454},{"word":"great","start":960.765,"end":961.265,"confidence":0.9387207,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4863430857658386},{"word":"if","start":961.325,"end":961.485,"confidence":0.97314453,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.37966692447662354},{"word":"you","start":961.485,"end":961.965,"confidence":0.5595703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36654263734817505},{"word":"send","start":961.965,"end":962.205,"confidence":0.4230957,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.4343847334384918},{"word":"anything","start":962.205,"end":962.605,"confidence":0.7805176,"punctuated_word":"anything,","sentiment":"positive","sentiment_score":0.3990806937217712},{"word":"you","start":962.605,"end":962.84503,"confidence":0.97509766,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34859874844551086},{"word":"know","start":962.84503,"end":963.085,"confidence":0.98999023,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.3230026364326477},{"word":"looks","start":963.085,"end":963.39,"confidence":0.9589844,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.31913983821868896},{"word":"good","start":963.47003,"end":963.55,"confidence":0.9230957,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.3678603172302246},{"word":"then","start":963.55,"end":963.70996,"confidence":0.6954346,"punctuated_word":"then,","sentiment":"positive","sentiment_score":0.4217034578323364},{"word":"yeah","start":963.70996,"end":963.87,"confidence":0.93896484,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.3898136615753174},{"word":"definitely","start":963.87,"end":964.37,"confidence":0.66552734,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.290457159280777},{"word":"give","start":964.67004,"end":964.91003,"confidence":0.9604492,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.270751029253006},{"word":"us","start":964.91003,"end":965.07,"confidence":0.98291016,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.24024838209152224},{"word":"a","start":965.07,"end":965.15,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2762797474861145},{"word":"call","start":965.15,"end":965.65,"confidence":0.99902344,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.2766759693622589},{"word":"yeah","start":993.91,"end":994.14996,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12213178724050522},{"word":"yeah","start":994.14996,"end":994.47,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10234522074460985},{"word":"that'd","start":994.47,"end":994.70996,"confidence":0.828125,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.19867126643657684},{"word":"be","start":994.70996,"end":994.87,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2837269604206085},{"word":"great","start":994.87,"end":995.37,"confidence":0.9753418,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.339985191822052},{"word":"yeah","start":998.23,"end":998.47,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21558836102485657},{"word":"that's","start":998.47,"end":998.79,"confidence":0.9711914,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3263964056968689},{"word":"yeah","start":998.87,"end":999.19,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.31960389018058777},{"word":"that'd","start":999.19,"end":999.58997,"confidence":0.97094727,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.5980857610702515},{"word":"be","start":999.58997,"end":999.75,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5955395102500916},{"word":"great","start":999.75,"end":1000.25,"confidence":0.9995117,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6023919582366943},{"word":"good","start":1011.84503,"end":1012.085,"confidence":0.14538574,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.7833374738693237},{"word":"evening","start":1012.085,"end":1012.325,"confidence":0.6895752,"punctuated_word":"evening.","sentiment":"positive","sentiment_score":0.7594461441040039},{"word":"you","start":1012.325,"end":1012.565,"confidence":0.9980469,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.7398563623428345},{"word":"too","start":1012.565,"end":1012.72504,"confidence":0.9941406,"punctuated_word":"too,","sentiment":"positive","sentiment_score":0.6529531478881836},{"word":"mate","start":1012.72504,"end":1012.965,"confidence":0.98413086,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.7110862135887146},{"word":"have","start":1012.965,"end":1013.125,"confidence":0.9658203,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7168055772781372},{"word":"a","start":1013.125,"end":1013.205,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7601562738418579},{"word":"good","start":1013.205,"end":1013.445,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7582368850708008},{"word":"one","start":1013.445,"end":1013.945,"confidence":0.9975586,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.6595849394798279}],"paragraphs":{"transcript":"\nHello? Hi, Tommy. How are we, mate? Yeah. You too.\n\nSorry about last week. I was I was waiting for a message because they said they were gonna message me before the day before and nothing came, and then I was I was busy traveling from work. And I completely forgot. Okay. Yeah.\n\nYeah. Sorry about that. Yep. You could just walk us through it. I'm sorta I was driving before, so I'm still but, yeah, no.\n\nYou can just walk us through it. I'll just look at the email later on if if that's alright. Yeah. Not a problem. Yep.\n\nAddress 28 Riverley Waters Drive, Lorraine 4211, birth code, and 02/15/1989 for the date of birth. Yep. Yep. Yep. Yep.\n\nGot it. Yep. Yep. Yep. Yep.\n\nYep. Swipe. Yep. Yep. Yeah.\n\nOkay. Okay. Yep. Yeah. Yeah.\n\nYep. Yeah. They yeah. They used to do monthly. It used to be one just big monthly one.\n\nYeah. They started doing Yeah. Yes. Yep. Yep.\n\nYep. Okay. Yep. Okay then. Yep.\n\nYeah. Yeah. Yeah. So don't do anything and then just yeah. Sorta like what we did this year with the with the 50,000.\n\nIs that is that what you're trying to say? Yep. Yep. Yeah. Okay.\n\nYes. Right. Yeah. I got them. Yep.\n\nYeah. Yep. No. No. Yep.\n\nYep. Okay. Yep. We do. Yeah.\n\nSometimes. Like, yeah, we so, yeah, I work in concrete, but, like, sometimes, I mean, I just take the underground to deliver the concrete because we're doing tunnel tunnel work. Could be anything. I know I know where we go a few kilometers in, but I don't know the actual depth. It'd be a lot like like, I can tell you how far yeah.\n\nLike, it's a few kilometers in, but, yeah, I don't know the hot you know, how deep we go down. But it would be a few 100 meters at least. Yeah. Yep. Okay then.\n\nYeah. Okay. Yep. Yep. Yeah.\n\nKinda. Yes. What? Yep. Yeah.\n\nIt's too easy. Yep. Yep. Okay. Yep.\n\nYep. Yep. Yeah. Kinda. Just wait.\n\nWell yeah. Because from Monday, I'll be back to work, but I'm on night shift. So so I I can do any time. Usually, I wake up about twelve, 01:00, and I'll go to dinner in about or go have some night about four 04:00. So anytime from one till four from Tuesday, Wednesday, Thursday, Friday next week if you wanna do it.\n\nThen or anytime like that. Yeah. Yeah. Yeah. Because yeah.\n\nBecause I'm at work till the twenty fourth. So so that's when I find a home on the twenty fourth. So, yeah, anytime from Monday onwards. Yep. Yep.\n\nThat's fine. Yep. That's not a problem. Yep. Okay.\n\nNo. Not really. No. There wasn't as I said before, the only thing that I I don't like I was gonna do was the suit the investment property in suitors, but that's gone out the window. So I've got nothing really else.\n\nThe SMSF, that's that was the only thing we're really gonna I was gonna look into. But now that that's how it's gone, there's not much else, to be honest. Yep. Yeah. Definitely.\n\nYeah. Yeah. Exactly. Yeah. Not a problem.\n\nYeah. That'd be that'd be great. If you send anything, you know, looks good, then, yeah, definitely give us a call. Yeah. Yeah.\n\nThat'd be great. Yeah. That's yeah. That'd be great. Good evening.\n\nYou too, mate. Have a good one.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.05169181153178215},{"text":"Hi, Tommy.","start":7.9199996,"end":8.72,"sentiment":"neutral","sentiment_score":0.21106484532356265},{"text":"How are we, mate?","start":8.72,"end":9.7,"sentiment":"positive","sentiment_score":0.3451029360294342},{"text":"Yeah.","start":13.28,"end":13.755,"sentiment":"neutral","sentiment_score":0.15477505326271057},{"text":"You too.","start":13.835,"end":14.235,"sentiment":"neutral","sentiment_score":0.09526946395635605}],"sentiment":"neutral","sentiment_score":0.21995472274720668,"num_words":10,"start":2.56,"end":14.235},{"sentences":[{"text":"Sorry about last week.","start":14.235,"end":15.675,"sentiment":"neutral","sentiment_score":-0.16682154685258865},{"text":"I was I was waiting for a message because they said they were gonna message me before the day before and nothing came, and then I was I was busy traveling from work.","start":15.675,"end":24.814999,"sentiment":"neutral","sentiment_score":-0.14157099344513632},{"text":"And I completely forgot.","start":25.355,"end":26.735,"sentiment":"neutral","sentiment_score":-0.10167104750871658},{"text":"Okay.","start":33.68,"end":34.18,"sentiment":"neutral","sentiment_score":-0.0382973775267601},{"text":"Yeah.","start":36.08,"end":36.16,"sentiment":"neutral","sentiment_score":-0.02862124890089035}],"sentiment":"neutral","sentiment_score":-0.13517980901307838,"num_words":43,"start":14.235,"end":36.16},{"sentences":[{"text":"Yeah.","start":36.16,"end":36.66,"sentiment":"neutral","sentiment_score":-0.040590234100818634},{"text":"Sorry about that.","start":36.8,"end":37.86,"sentiment":"neutral","sentiment_score":-0.11184986432393391},{"text":"Yep.","start":45.405,"end":45.905,"sentiment":"neutral","sentiment_score":0.0898536890745163},{"text":"You could just walk us through it.","start":52.125,"end":53.485,"sentiment":"neutral","sentiment_score":0.06633173887218748},{"text":"I'm sorta I was driving before, so I'm still but, yeah, no.","start":53.485,"end":57.36,"sentiment":"neutral","sentiment_score":-0.0020716667640954256}],"sentiment":"neutral","sentiment_score":0.006382334705752631,"num_words":24,"start":36.16,"end":57.36},{"sentences":[{"text":"You can just walk us through it.","start":57.36,"end":58.48,"sentiment":"neutral","sentiment_score":0.06740641381059374},{"text":"I'll just look at the email later on if if that's alright.","start":58.48,"end":62.18,"sentiment":"neutral","sentiment_score":0.052416459346810974},{"text":"Yeah.","start":73.805,"end":74.125,"sentiment":"neutral","sentiment_score":0.04003385454416275},{"text":"Not a problem.","start":74.125,"end":74.865005,"sentiment":"neutral","sentiment_score":0.057889687518278755},{"text":"Yep.","start":78.605,"end":79.105,"sentiment":"neutral","sentiment_score":0.028415635228157043}],"sentiment":"neutral","sentiment_score":0.055956706715126835,"num_words":24,"start":57.36,"end":79.105},{"sentences":[{"text":"Address 28 Riverley Waters Drive, Lorraine 4211, birth code, and 02/15/1989 for the date of birth.","start":79.485,"end":91.24,"sentiment":"neutral","sentiment_score":0.05017056129872799},{"text":"Yep.","start":101.725006,"end":102.225006,"sentiment":"neutral","sentiment_score":0.09978890419006348},{"text":"Yep.","start":117.700005,"end":118.200005,"sentiment":"neutral","sentiment_score":0.10145539045333862},{"text":"Yep.","start":120.340004,"end":120.840004,"sentiment":"neutral","sentiment_score":0.08938132226467133},{"text":"Yep.","start":125.86,"end":126.36,"sentiment":"neutral","sentiment_score":0.045032940804958344}],"sentiment":"neutral","sentiment_score":0.05691937692463398,"num_words":20,"start":79.485,"end":126.36},{"sentences":[{"text":"Got it.","start":136.005,"end":136.825,"sentiment":"neutral","sentiment_score":0.24550258368253708},{"text":"Yep.","start":154.66,"end":155.16,"sentiment":"positive","sentiment_score":0.3803872466087342},{"text":"Yep.","start":184.22,"end":184.72,"sentiment":"positive","sentiment_score":0.3367278575897217},{"text":"Yep.","start":201.145,"end":201.645,"sentiment":"neutral","sentiment_score":0.21665243804454803},{"text":"Yep.","start":224.58499,"end":225.08499,"sentiment":"neutral","sentiment_score":0.2253628969192505}],"sentiment":"neutral","sentiment_score":0.27502260108788806,"num_words":6,"start":136.005,"end":225.08499},{"sentences":[{"text":"Yep.","start":260.74,"end":260.98,"sentiment":"neutral","sentiment_score":0.1455748975276947},{"text":"Swipe.","start":260.98,"end":261.48,"sentiment":"neutral","sentiment_score":0.049899227917194366},{"text":"Yep.","start":275.665,"end":276.165,"sentiment":"neutral","sentiment_score":-0.15517941117286682},{"text":"Yep.","start":286.48,"end":286.98,"sentiment":"neutral","sentiment_score":-0.1898997277021408},{"text":"Yeah.","start":288.64,"end":288.8,"sentiment":"neutral","sentiment_score":0.02050580084323883}],"sentiment":"neutral","sentiment_score":-0.025819842517375947,"num_words":5,"start":260.74,"end":288.8},{"sentences":[{"text":"Okay.","start":288.8,"end":289.3,"sentiment":"neutral","sentiment_score":0.04253074526786804},{"text":"Okay.","start":312.78,"end":313.28,"sentiment":"neutral","sentiment_score":0.12512698769569397},{"text":"Yep.","start":324.875,"end":325.375,"sentiment":"neutral","sentiment_score":0.013816243037581444},{"text":"Yeah.","start":325.75497,"end":325.91498,"sentiment":"neutral","sentiment_score":0.059798017144203186},{"text":"Yeah.","start":325.91498,"end":326.41498,"sentiment":"neutral","sentiment_score":0.08762393146753311}],"sentiment":"neutral","sentiment_score":0.06577918492257595,"num_words":5,"start":288.8,"end":326.41498},{"sentences":[{"text":"Yep.","start":334.63498,"end":335.13498,"sentiment":"neutral","sentiment_score":0.1257096529006958},{"text":"Yeah.","start":347.47,"end":347.87,"sentiment":"neutral","sentiment_score":0.04450436308979988},{"text":"They yeah.","start":347.87,"end":348.67,"sentiment":"neutral","sentiment_score":0.025536091066896915},{"text":"They used to do monthly.","start":348.67,"end":349.89,"sentiment":"neutral","sentiment_score":0.0022170674055814743},{"text":"It used to be one just big monthly one.","start":350.825,"end":352.845,"sentiment":"neutral","sentiment_score":-0.004792184465461307}],"sentiment":"neutral","sentiment_score":0.010513437497946952,"num_words":18,"start":334.63498,"end":352.845},{"sentences":[{"text":"Yeah.","start":353.225,"end":353.465,"sentiment":"neutral","sentiment_score":0.04831873998045921},{"text":"They started doing Yeah.","start":353.465,"end":355.885,"sentiment":"neutral","sentiment_score":0.046381219290196896},{"text":"Yes.","start":364.03,"end":364.53,"sentiment":"neutral","sentiment_score":0.14413662254810333},{"text":"Yep.","start":396.95,"end":397.45,"sentiment":"neutral","sentiment_score":-0.07090403884649277},{"text":"Yep.","start":400.79,"end":401.29,"sentiment":"neutral","sentiment_score":-0.030744975432753563}],"sentiment":"neutral","sentiment_score":0.034541403176262975,"num_words":8,"start":353.225,"end":401.29},{"sentences":[{"text":"Yep.","start":411.455,"end":411.615,"sentiment":"neutral","sentiment_score":0.07237795740365982},{"text":"Okay.","start":411.615,"end":412.115,"sentiment":"neutral","sentiment_score":0.12267952412366868},{"text":"Yep.","start":427.48,"end":427.98,"sentiment":"neutral","sentiment_score":0.2459836304187775},{"text":"Okay then.","start":437.035,"end":437.755,"sentiment":"neutral","sentiment_score":0.12815923243761063},{"text":"Yep.","start":437.755,"end":438.255,"sentiment":"neutral","sentiment_score":0.13352391123771667}],"sentiment":"neutral","sentiment_score":0.13848058134317398,"num_words":6,"start":411.455,"end":438.255},{"sentences":[{"text":"Yeah.","start":442.155,"end":442.315,"sentiment":"neutral","sentiment_score":0.060145772993564606},{"text":"Yeah.","start":442.315,"end":442.635,"sentiment":"neutral","sentiment_score":0.05400425568223},{"text":"Yeah.","start":442.635,"end":442.79498,"sentiment":"neutral","sentiment_score":0.030330441892147064},{"text":"So don't do anything and then just yeah.","start":442.79498,"end":445.195,"sentiment":"neutral","sentiment_score":-0.03434808040037751},{"text":"Sorta like what we did this year with the with the 50,000.","start":445.195,"end":451.67,"sentiment":"neutral","sentiment_score":0.01315030719464024}],"sentiment":"neutral","sentiment_score":0.0011956310304610627,"num_words":23,"start":442.155,"end":451.67},{"sentences":[{"text":"Is that is that what you're trying to say?","start":451.67,"end":453.45,"sentiment":"neutral","sentiment_score":0.055113156222634845},{"text":"Yep.","start":461.99,"end":462.49,"sentiment":"positive","sentiment_score":0.3649122416973114},{"text":"Yep.","start":464.05502,"end":464.55502,"sentiment":"neutral","sentiment_score":0.215637668967247},{"text":"Yeah.","start":467.73502,"end":468.05502,"sentiment":"neutral","sentiment_score":0.20247414708137512},{"text":"Okay.","start":468.05502,"end":468.55502,"sentiment":"neutral","sentiment_score":0.2408058196306229}],"sentiment":"neutral","sentiment_score":0.11691140641386692,"num_words":13,"start":451.67,"end":468.55502},{"sentences":[{"text":"Yes.","start":470.295,"end":470.61502,"sentiment":"neutral","sentiment_score":0.26862484216690063},{"text":"Right.","start":470.61502,"end":471.11502,"sentiment":"positive","sentiment_score":0.4080545902252197},{"text":"Yeah.","start":482.1,"end":482.25998,"sentiment":"neutral","sentiment_score":0.18004846572875977},{"text":"I got them.","start":482.25998,"end":483.16,"sentiment":"neutral","sentiment_score":0.17763294776280722},{"text":"Yep.","start":483.22,"end":483.72,"sentiment":"neutral","sentiment_score":0.2461848258972168}],"sentiment":"neutral","sentiment_score":0.23368736675807408,"num_words":7,"start":470.295,"end":483.72},{"sentences":[{"text":"Yeah.","start":486.18,"end":486.68,"sentiment":"neutral","sentiment_score":0.13127152621746063},{"text":"Yep.","start":490.285,"end":490.785,"sentiment":"neutral","sentiment_score":0.18457382917404175},{"text":"No.","start":505.36,"end":505.84,"sentiment":"neutral","sentiment_score":-0.3307400345802307},{"text":"No.","start":505.84,"end":506.34,"sentiment":"negative","sentiment_score":-0.3989608585834503},{"text":"Yep.","start":525.255,"end":525.755,"sentiment":"neutral","sentiment_score":-0.04518992453813553}],"sentiment":"neutral","sentiment_score":-0.09180909246206284,"num_words":5,"start":486.18,"end":525.755},{"sentences":[{"text":"Yep.","start":533.17,"end":533.67,"sentiment":"positive","sentiment_score":0.348008930683136},{"text":"Okay.","start":546.075,"end":546.575,"sentiment":"neutral","sentiment_score":0.244203120470047},{"text":"Yep.","start":546.635,"end":547.135,"sentiment":"neutral","sentiment_score":0.2325117588043213},{"text":"We do.","start":579.21497,"end":580.035,"sentiment":"neutral","sentiment_score":-0.0004807552322745323},{"text":"Yeah.","start":580.175,"end":580.675,"sentiment":"neutral","sentiment_score":-0.03636634349822998}],"sentiment":"neutral","sentiment_score":0.1312326593324542,"num_words":6,"start":533.17,"end":580.675},{"sentences":[{"text":"Sometimes.","start":580.815,"end":581.315,"sentiment":"neutral","sentiment_score":-0.038861118257045746},{"text":"Like, yeah, we so, yeah, I work in concrete, but, like, sometimes, I mean, I just take the underground to deliver the concrete because we're doing tunnel tunnel work.","start":581.695,"end":593.63,"sentiment":"neutral","sentiment_score":-0.04638577047093161},{"text":"Could be anything.","start":605.065,"end":605.86505,"sentiment":"neutral","sentiment_score":-0.047258236755927406},{"text":"I know I know where we go a few kilometers in, but I don't know the actual depth.","start":605.86505,"end":611.32996,"sentiment":"neutral","sentiment_score":-0.06306779995146725},{"text":"It'd be a lot like like, I can tell you how far yeah.","start":611.87,"end":616.58997,"sentiment":"neutral","sentiment_score":0.005951623593528683}],"sentiment":"neutral","sentiment_score":-0.040369882259255974,"num_words":64,"start":580.815,"end":616.58997},{"sentences":[{"text":"Like, it's a few kilometers in, but, yeah, I don't know the hot you know, how deep we go down.","start":616.58997,"end":621.25,"sentiment":"neutral","sentiment_score":-0.025513964425772428},{"text":"But it would be a few 100 meters at least.","start":622.50995,"end":624.93,"sentiment":"neutral","sentiment_score":0.06865224055945873},{"text":"Yeah.","start":626.065,"end":626.565,"sentiment":"neutral","sentiment_score":0.07125161588191986},{"text":"Yep.","start":646.83,"end":647.33,"sentiment":"neutral","sentiment_score":0.09769667685031892},{"text":"Okay then.","start":661.895,"end":662.795,"sentiment":"neutral","sentiment_score":0.15980349481105804}],"sentiment":"neutral","sentiment_score":0.019552894100985107,"num_words":34,"start":616.58997,"end":662.795},{"sentences":[{"text":"Yeah.","start":665.975,"end":666.295,"sentiment":"neutral","sentiment_score":0.1393814980983734},{"text":"Okay.","start":666.295,"end":666.795,"sentiment":"neutral","sentiment_score":0.13500845432281494},{"text":"Yep.","start":675.07,"end":675.57,"sentiment":"neutral","sentiment_score":0.164590522646904},{"text":"Yep.","start":679.23004,"end":679.73004,"sentiment":"neutral","sentiment_score":0.16027052700519562},{"text":"Yeah.","start":689.305,"end":689.545,"sentiment":"neutral","sentiment_score":0.0998833030462265}],"sentiment":"neutral","sentiment_score":0.1398268610239029,"num_words":5,"start":665.975,"end":689.545},{"sentences":[{"text":"Kinda.","start":689.545,"end":690.045,"sentiment":"neutral","sentiment_score":0.0953100323677063},{"text":"Yes.","start":690.105,"end":690.58496,"sentiment":"neutral","sentiment_score":0.08272559195756912},{"text":"What?","start":690.58496,"end":691.08496,"sentiment":"neutral","sentiment_score":0.056464068591594696},{"text":"Yep.","start":699.065,"end":699.565,"sentiment":"neutral","sentiment_score":0.07256028056144714},{"text":"Yeah.","start":706.32,"end":706.56,"sentiment":"neutral","sentiment_score":0.15149646997451782}],"sentiment":"neutral","sentiment_score":0.09171128869056702,"num_words":5,"start":689.545,"end":706.56},{"sentences":[{"text":"It's too easy.","start":706.56,"end":707.38,"sentiment":"positive","sentiment_score":0.3401331603527069},{"text":"Yep.","start":717.645,"end":718.145,"sentiment":"neutral","sentiment_score":0.11183080077171326},{"text":"Yep.","start":722.84503,"end":723.34503,"sentiment":"neutral","sentiment_score":0.1269049048423767},{"text":"Okay.","start":727.42,"end":727.92,"sentiment":"neutral","sentiment_score":0.08210426568984985},{"text":"Yep.","start":741.18,"end":741.68,"sentiment":"neutral","sentiment_score":0.16797837615013125}],"sentiment":"neutral","sentiment_score":0.2156025469303131,"num_words":7,"start":706.56,"end":741.68},{"sentences":[{"text":"Yep.","start":748.845,"end":749.345,"sentiment":"neutral","sentiment_score":0.12145689129829408},{"text":"Yep.","start":755.62,"end":756.12,"sentiment":"neutral","sentiment_score":0.14759010076522827},{"text":"Yeah.","start":767.38,"end":767.7,"sentiment":"neutral","sentiment_score":0.10951361060142516},{"text":"Kinda.","start":767.7,"end":768.2,"sentiment":"neutral","sentiment_score":0.09966802597045898},{"text":"Just wait.","start":768.26,"end":769.0,"sentiment":"neutral","sentiment_score":0.0628817267715931}],"sentiment":"neutral","sentiment_score":0.10066534702976544,"num_words":6,"start":748.845,"end":769.0},{"sentences":[{"text":"Well yeah.","start":778.615,"end":779.435,"sentiment":"neutral","sentiment_score":0.07541386783123016},{"text":"Because from Monday, I'll be back to work, but I'm on night shift.","start":779.495,"end":782.855,"sentiment":"neutral","sentiment_score":0.06943643551606399},{"text":"So so I I can do any time.","start":782.855,"end":785.7,"sentiment":"neutral","sentiment_score":0.11642907746136189},{"text":"Usually, I wake up about twelve, 01:00, and I'll go to dinner in about or go have some night about four 04:00.","start":786.18,"end":793.7,"sentiment":"neutral","sentiment_score":0.06950812837616964},{"text":"So anytime from one till four from Tuesday, Wednesday, Thursday, Friday next week if you wanna do it.","start":793.7,"end":800.04004,"sentiment":"neutral","sentiment_score":0.07672530950771438}],"sentiment":"neutral","sentiment_score":0.07770108591232981,"num_words":63,"start":778.615,"end":800.04004},{"sentences":[{"text":"Then or anytime like that.","start":801.275,"end":803.67505,"sentiment":"neutral","sentiment_score":0.06985790207982064},{"text":"Yeah.","start":803.67505,"end":804.17505,"sentiment":"neutral","sentiment_score":0.2791116535663605},{"text":"Yeah.","start":812.395,"end":812.895,"sentiment":"neutral","sentiment_score":0.0628872960805893},{"text":"Yeah.","start":815.25995,"end":815.5,"sentiment":"neutral","sentiment_score":0.06351496279239655},{"text":"Because yeah.","start":815.5,"end":816.38,"sentiment":"neutral","sentiment_score":0.050007645040750504}],"sentiment":"neutral","sentiment_score":0.08548187129199505,"num_words":10,"start":801.275,"end":816.38},{"sentences":[{"text":"Because I'm at work till the twenty fourth.","start":816.38,"end":818.48,"sentiment":"neutral","sentiment_score":0.07176999934017658},{"text":"So so that's when I find a home on the twenty fourth.","start":819.1,"end":821.81995,"sentiment":"neutral","sentiment_score":0.11002594108382861},{"text":"So, yeah, anytime from Monday onwards.","start":821.81995,"end":825.44,"sentiment":"neutral","sentiment_score":0.10899097596605618},{"text":"Yep.","start":839.815,"end":840.315,"sentiment":"neutral","sentiment_score":0.12323389947414398},{"text":"Yep.","start":848.08,"end":848.4,"sentiment":"neutral","sentiment_score":0.05253610759973526}],"sentiment":"neutral","sentiment_score":0.09729239823562759,"num_words":28,"start":816.38,"end":848.4},{"sentences":[{"text":"That's fine.","start":848.4,"end":850.82,"sentiment":"neutral","sentiment_score":0.027355380356311798},{"text":"Yep.","start":852.0,"end":852.5,"sentiment":"neutral","sentiment_score":0.1602883338928223},{"text":"That's not a problem.","start":852.56,"end":853.87,"sentiment":"positive","sentiment_score":0.3614730015397072},{"text":"Yep.","start":872.045,"end":872.545,"sentiment":"neutral","sentiment_score":0.1604537069797516},{"text":"Okay.","start":880.22,"end":880.72,"sentiment":"positive","sentiment_score":0.38209792971611023}],"sentiment":"neutral","sentiment_score":0.24482697082890403,"num_words":9,"start":848.4,"end":880.72},{"sentences":[{"text":"No.","start":895.825,"end":896.22504,"sentiment":"neutral","sentiment_score":-0.31186413764953613},{"text":"Not really.","start":896.22504,"end":897.04504,"sentiment":"neutral","sentiment_score":-0.32416974008083344},{"text":"No.","start":897.265,"end":897.585,"sentiment":"neutral","sentiment_score":-0.07459726184606552},{"text":"There wasn't as I said before, the only thing that I I don't like I was gonna do was the suit the investment property in suitors, but that's gone out the window.","start":897.585,"end":909.21,"sentiment":"negative","sentiment_score":-0.3365133488550782},{"text":"So I've got nothing really else.","start":909.21,"end":911.15,"sentiment":"neutral","sentiment_score":-0.19654676566521326}],"sentiment":"neutral","sentiment_score":-0.3091073485002631,"num_words":42,"start":895.825,"end":911.15},{"sentences":[{"text":"The SMSF, that's that was the only thing we're really gonna I was gonna look into.","start":913.21,"end":917.37,"sentiment":"neutral","sentiment_score":-0.06974223046563566},{"text":"But now that that's how it's gone, there's not much else, to be honest.","start":917.37,"end":922.53503,"sentiment":"neutral","sentiment_score":-0.1002684895481382},{"text":"Yep.","start":930.275,"end":930.775,"sentiment":"neutral","sentiment_score":0.08492431044578552},{"text":"Yeah.","start":947.725,"end":947.965,"sentiment":"neutral","sentiment_score":0.0612526535987854},{"text":"Definitely.","start":947.965,"end":948.465,"sentiment":"neutral","sentiment_score":0.04462559521198273}],"sentiment":"neutral","sentiment_score":-0.07057066611719853,"num_words":33,"start":913.21,"end":948.465},{"sentences":[{"text":"Yeah.","start":954.765,"end":955.265,"sentiment":"neutral","sentiment_score":-0.002694305032491684},{"text":"Yeah.","start":955.485,"end":955.805,"sentiment":"neutral","sentiment_score":-0.013003602623939514},{"text":"Exactly.","start":955.805,"end":956.305,"sentiment":"neutral","sentiment_score":-0.015639018267393112},{"text":"Yeah.","start":958.445,"end":958.84503,"sentiment":"neutral","sentiment_score":0.08117040246725082},{"text":"Not a problem.","start":958.84503,"end":959.565,"sentiment":"neutral","sentiment_score":0.16984101136525473}],"sentiment":"neutral","sentiment_score":0.07990807294845581,"num_words":7,"start":954.765,"end":959.565},{"sentences":[{"text":"Yeah.","start":959.565,"end":959.805,"sentiment":"neutral","sentiment_score":0.25459516048431396},{"text":"That'd be that'd be great.","start":959.805,"end":961.265,"sentiment":"positive","sentiment_score":0.42212182879447935},{"text":"If you send anything, you know, looks good, then, yeah, definitely give us a call.","start":961.325,"end":965.65,"sentiment":"positive","sentiment_score":0.3402803957462311},{"text":"Yeah.","start":993.91,"end":994.14996,"sentiment":"neutral","sentiment_score":0.12213178724050522},{"text":"Yeah.","start":994.14996,"end":994.47,"sentiment":"neutral","sentiment_score":0.10234522074460985}],"sentiment":"positive","sentiment_score":0.3345168368971866,"num_words":23,"start":959.565,"end":994.47},{"sentences":[{"text":"That'd be great.","start":994.47,"end":995.37,"sentiment":"neutral","sentiment_score":0.2741278062264125},{"text":"Yeah.","start":998.23,"end":998.47,"sentiment":"neutral","sentiment_score":0.21558836102485657},{"text":"That's yeah.","start":998.47,"end":999.19,"sentiment":"neutral","sentiment_score":0.32300014793872833},{"text":"That'd be great.","start":999.19,"end":1000.25,"sentiment":"positive","sentiment_score":0.5986724098523458},{"text":"Good evening.","start":1011.84503,"end":1012.325,"sentiment":"positive","sentiment_score":0.7713918089866638}],"sentiment":"positive","sentiment_score":0.4566157202829014,"num_words":11,"start":994.47,"end":1012.325},{"sentences":[{"text":"You too, mate.","start":1012.325,"end":1012.965,"sentiment":"positive","sentiment_score":0.7012985746065775},{"text":"Have a good one.","start":1012.965,"end":1013.945,"sentiment":"positive","sentiment_score":0.723695918917656}],"sentiment":"positive","sentiment_score":0.7140970570700509,"num_words":7,"start":1012.325,"end":1013.945}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Dane. Tommy here, senior adviser from. How you been?\n\nChannel 1: Hi, Tommy. How are we, mate?\n\nChannel 0: I'm living the dream. Happy Friday to you, sir.\n\nChannel 1: Yeah. You too. Sorry about last week. I was I was waiting for a message because they said they were gonna message me before the day before and nothing came, and then I was I was busy traveling from work. And I completely\n\nChannel 0: No.\n\nChannel 1: forgot.\n\nChannel 0: That's alright. We we had a bit of IT issues. It was kind of like on and off, so some of the messages weren't going through. So but if you\n\nChannel 1: Okay.\n\nChannel 0: were traveling, I understand completely.\n\nChannel 1: Yeah. Yeah. Sorry about that.\n\nChannel 0: No. You're all good. For today, I've got this updated strategy to send through to you. Will you be able to\n\nChannel 1: Yep.\n\nChannel 0: look on to the email with me, or should I just kinda walk you through it?\n\nChannel 1: You could just walk us through it. I'm sorta I was driving before, so I'm still but, yeah, no. You can just walk us through it. I'll just look at the email later on if if that's alright.\n\nChannel 0: Yeah. That's totally fine. Before I dive into it, so I'll send it through now just so you've got it there, and I'll just go through a quick security check with you.\n\nChannel 1: Yeah. Not a\n\nChannel 0: Can\n\nChannel 1: problem.\n\nChannel 0: I just get your date of birth and address?\n\nChannel 1: Yep. Address 28 Riverley Waters Drive, Lorraine 4211, birth code, and 02/15/1989 for the date of birth.\n\nChannel 0: Sensational. Thank you very much. And, obviously, registered with Asic as Adviser 1273105. And are you okay for the call to be\n\nChannel 1: Yep.\n\nChannel 0: recorded? Beautiful. So when you get that email, it'll come up with about six documents. The first one will be the statement of advice itself. Will have an appendix with some additional research attached and just\n\nChannel 1: Yep.\n\nChannel 0: links to the investment. We've\n\nChannel 1: Yep.\n\nChannel 0: got an insurance quote for the income protection and\n\nChannel 1: Yep.\n\nChannel 0: also just some updated product documents for the funds. They've updated their PDF and investment menu and everything, and so we just wanted to send that through to your records.\n\nChannel 1: Got it.\n\nChannel 0: Now in terms of, I guess, the starting point is the scope of the advice the document covers. We were talking about just reviewing the investments inside the super and a little bit of a review on topping up the income protection, if that rings a bell.\n\nChannel 1: Yep.\n\nChannel 0: Cool. We did have a look at the contribution too and a couple of reminders there just in terms of just, like, planning, just to make sure get a will and power of attorney and all that kind of thing put in place. But there's no advice in here about trauma insurance or anything to do with cash flow or debt management because you're kind of handling all that yourself in terms of savings and renos and things like that.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. First thing I'd like to sort of start with, so we've got all your details in there, assets, liabilities, goals, and everything. We're sticking to that growth risk profile, like we've said last time, just and ensure enough on the underlying investment.\n\nChannel 1: Yep.\n\nChannel 0: Now when I look at the figures there, so what you'll see, you'll see a fee comparison table. We managed to kind of drop the investment fees by about 20% and then bump the returns up from an average five year return from about eight and a half to about 10 and a half, which is kind of above that nine benchmark that we're aiming for.\n\nChannel 1: Yep.\n\nChannel 0: Now there's no capital gains tax for the slipper to pay because all the investments kind of even each other out when we switch them around. And I have included in there the insurance premium just for the updated projections as well. We're looking at round figures going from about 600,000 in ten years to about $7.35. Obviously, take that with a grain of salt because the market goes up and down like a yoyo, but you should be about a $100 better off from the investment switch.\n\nChannel 1: Yep. Swipe.\n\nChannel 0: Outside of that, so in terms of the main switches, I have decided to switch out a a number of investments just because the when the government brought in that legislation to capital gains\n\nChannel 1: Yep.\n\nChannel 0: and negative gearing, it caused a lot of property companies to kind of start tanking. And I I just wanna get you away from that investment as well with that spent long month that we were switching\n\nChannel 1: Yep.\n\nChannel 0: out for you already.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: There's a couple of switching there. Redeployed some of the cash. The asset allocation basically remains the same. You'll be going from about 80% growth assets to about 82. Again, you wanna be aiming between eighty and ninety for your, like, return index level, if that makes sense.\n\nChannel 1: Okay.\n\nChannel 0: Now in terms of the the contribution side of things, so remember how we were talking about trying to get maximum sort of contributions in there with a new $32,500 cap? Does that ring a\n\nChannel 1: Yep.\n\nChannel 0: bell?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: One of the things I I wanna kind of run by you, and this is my my advice and suggestion, is\n\nChannel 1: Yep.\n\nChannel 0: I wanna change how we're doing the contributions a bit because when I go through the transaction history, your workers switch to what seems to be, like, weekly contribution.\n\nChannel 1: Yeah. They\n\nChannel 0: Do you\n\nChannel 1: yeah.\n\nChannel 0: get paid\n\nChannel 1: They used\n\nChannel 0: weekly?\n\nChannel 1: to do monthly. It used to be one just big monthly one. Yeah. They started doing Yeah.\n\nChannel 0: Now that's normally all fine because the those new legislation that super contributions have to be in line with the\n\nChannel 1: Yes.\n\nChannel 0: pay cycle, which is usually fine. But they've had it a whole lot come in from the tax office, like little catch up contributions towards the end of the year in April. There's about 12 of those, little small amounts that came in. In addition to that, some of the month, they're fluctuating between $250 and 620. And last month, five contributions came in, two on the eleventh, one on the seventeenth, twenty fourth, and thirty first.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: it seems to be just going a bit all over the shop.\n\nChannel 1: Yep.\n\nChannel 0: And what that's pretty much gonna do is the $2.50 a week now they've got the salary sacrifice. That's probably gonna tip you over accidentally if we keep that going.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So what I think you should do instead is just do what my my father-in-law does out in the line is keep all of the instead of salary sacrificing, keep it inside, like, an offset account, offset mortgage, and things like that. And then when it\n\nChannel 1: Yep.\n\nChannel 0: comes to June, just do a top up contribution so you get both the interest offset for the whole year and the tax deduction double waived.\n\nChannel 1: Okay then. Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. Yeah. So don't do anything and then just yeah. Sorta like what we did this year with the with the 50,000.\n\nChannel 0: Yes.\n\nChannel 1: Is that\n\nChannel 0: Yes.\n\nChannel 1: is that what you're trying to say?\n\nChannel 0: Yeah. Similar method. So basically, keep it to yourself. Let let you save on the interest on a weekly basis. Get a whole\n\nChannel 1: Yep.\n\nChannel 0: year out of it, and then just chuck in\n\nChannel 1: Yep.\n\nChannel 0: that couple of grand top up so you don't tip over.\n\nChannel 1: Yeah. Okay. Yes.\n\nChannel 0: And\n\nChannel 1: Right.\n\nChannel 0: that way, you get the benefit of both, which is better, and then there's no risk of random additional taxes coming out because of the frequency and the fluctuating amount.\n\nChannel 1: Yeah. I got them. Yep.\n\nChannel 0: Cool. So I've\n\nChannel 1: Yeah.\n\nChannel 0: included that in there. Again, it's just a a note of this booking the payroll,\n\nChannel 1: Yep.\n\nChannel 0: but I'm basically saying, yes. Stop the sales tax. Pop it up later. So that's kind of the super side of things. Tune up the portfolio, switch how we do the Any questions on on those two?\n\nChannel 1: No. No.\n\nChannel 0: Cool. For the insurance side of things, so I did a bit of a hunt around for some providers. I did find one provider which can possibly get you to the cheaper premium, but I haven't recommended it this year. What I've actually\n\nChannel 1: Yep.\n\nChannel 0: recommended is just to top up your income protection back up in line with what it should be. So instead\n\nChannel 1: Yep.\n\nChannel 0: of 8,900 a month of cover, top it up to 10,000. And that's only gonna bump up the premiums by about 600 a year to get that full sort of 70%.\n\nChannel 1: Okay. Yep.\n\nChannel 0: What we can do possibly down the line is just in terms of another provider here in MetLife. They offer sliding discounts, which if we can match a health criteria, they can pretty much drop it a couple of thousand dollars, but it's incumbent on a couple of things. So I need to check with you just in terms of the the type of employee you've got. Do you do anything kind of underground?\n\nChannel 1: We do. Yeah. Sometimes. Like, yeah, we so, yeah, I work in concrete, but, like, sometimes, I mean, I just take the underground to deliver the concrete because we're doing tunnel tunnel work.\n\nChannel 0: Yep. Deliver the tunnel. Do you know approximate depth you might go to was a bit of a maximum range?\n\nChannel 1: Could be anything. I know I know where we go a few kilometers in, but I don't know the actual depth.\n\nChannel 0: Yep.\n\nChannel 1: It'd be a lot like\n\nChannel 0: Yeah. I get you a few pages.\n\nChannel 1: like, I can tell you how far yeah. Like, it's a few kilometers in, but, yeah, I don't know the hot you know, how deep we go down. But it would be\n\nChannel 0: Oh,\n\nChannel 1: a\n\nChannel 0: perfect.\n\nChannel 1: few 100\n\nChannel 0: Because basically\n\nChannel 1: meters\n\nChannel 0: what\n\nChannel 1: at least.\n\nChannel 0: they were saying,\n\nChannel 1: Yeah.\n\nChannel 0: 200 meters, they were basically saying if you're ever doing anything that's purely above ground, they can give you a better occupation rating, and then they also offer, like, BMI based discounts. So if you're under a hundred kilos, they give you a standard rate. That's a couple of grand below one one part. And then if\n\nChannel 1: Yep.\n\nChannel 0: you go below 90 kilos, they'll give you a percentage discount on that. And so it's the combination of if you're above ground and hit the BMI figures, we could save a good quarter to a third of the premium down the line.\n\nChannel 1: Okay then. Yeah. Okay.\n\nChannel 0: So I'm basically just I've got that in the appendix research just because I wanna keep an eye on it. It's\n\nChannel 1: Yep.\n\nChannel 0: basically just supposed just one part in that life at this point. And\n\nChannel 1: Yep.\n\nChannel 0: if it comes time where 12 time, the duty has changed a bit and we can match the health criteria, I basically wanna pull the trigger on that straight away.\n\nChannel 1: Yeah. Kinda. Yes. What?\n\nChannel 0: So For the time being, we'll keep on past just a little bit of a top up of the IP income\n\nChannel 1: Yep.\n\nChannel 0: protection. And then next review, I'll wait to just go over that again with you and see what it's\n\nChannel 1: Yeah. It's too easy.\n\nChannel 0: looking like. Beautiful. Basically, because of top ups and increases, we do have to apply for the increase.\n\nChannel 1: Yep.\n\nChannel 0: So I included a quote to sign off on with the statement of advice, and\n\nChannel 1: Yep.\n\nChannel 0: then I basically just need to get you booked in with Jack to go through\n\nChannel 1: Okay.\n\nChannel 0: the application form when you do have some time. I've got they do have an expiry on it, but I've got we we did a bit of an updated one.\n\nChannel 1: Yep.\n\nChannel 0: I've sent away for an updated one to just keep refreshing it every thirty days because it expires. This one expires\n\nChannel 1: Yep.\n\nChannel 0: on the September 24, which is Thursday after next, but I will\n\nChannel 1: Yep.\n\nChannel 0: have another one received by that point. So, basically, any dates or times that kind of work for you will have one, like, refreshed and ready to go.\n\nChannel 1: Yeah. Kinda. Just wait.\n\nChannel 0: Do you want me to kind of book something in now or just get the team to sort of reach out next week and and see a traveler?\n\nChannel 1: Well yeah. Because from Monday, I'll be back to work, but I'm on night shift. So so I I can do any time. Usually, I wake up about twelve, 01:00, and I'll go to dinner in about or go have some night about four 04:00. So anytime from one till four from Tuesday, Wednesday, Thursday, Friday next week if you wanna do it.\n\nThen\n\nChannel 0: Yep.\n\nChannel 1: or anytime like that. Yeah.\n\nChannel 0: Cool. I'll put in a bit of a tentative one. And then if we need to, I'll just get Jack to kind of bump it along on\n\nChannel 1: Yeah.\n\nChannel 0: the days if it's so. Let me\n\nChannel 1: Yeah.\n\nChannel 0: have a\n\nChannel 1: Because yeah. Because I'm at work till the twenty fourth. So so that's when I find a home on the twenty fourth. So, yeah, anytime\n\nChannel 0: quick\n\nChannel 1: from Monday onwards.\n\nChannel 0: look there. Perfect. So what I might do is I'll put a bit of a rolling one in for about 2PM on Tuesday, Wednesday, Thursday, and then\n\nChannel 1: Yep.\n\nChannel 0: I'll basically just get the guys to give you a buzz at that time each day. And if it lines up, he can basically just spend that fifteen minutes, update\n\nChannel 1: Yep.\n\nChannel 0: some\n\nChannel 1: That's\n\nChannel 0: some health info, occupational\n\nChannel 1: fine.\n\nChannel 0: info.\n\nChannel 1: Yep. That's not a problem.\n\nChannel 0: Beautiful. Again, if there's anything different from the original application, like health wise, they may come back with, you know, loadings and exclusions and price changes and that kind of thing. So just see how you go with it. If it becomes too difficult, just let us know. If it's\n\nChannel 1: Yep.\n\nChannel 0: a good outcome, we'll basically just submit it if there's no changes. If there is anything flagged, they'll probably just book you back in with me to have a quick chat.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Alright. So I'll send all that off to you. That's all ready to go, and I've put in that sort of rolling booking for Tuesday, Wednesday, Thursday. Anything else you can think of that I can help out with?\n\nChannel 1: No. Not really. No. There wasn't as I said before, the only thing that I I don't like I was gonna do was the suit the investment property in suitors, but that's gone out the window. So I've got nothing really else.\n\nThe SMSF, that's that was the only thing we're really gonna I was gonna look into. But now that that's how it's gone, there's not much else, to be honest.\n\nChannel 0: And in that space too, so I've been meeting up with all the brokers that we talked to, and\n\nChannel 1: Yep.\n\nChannel 0: we've just been discussing as a group kind of what options are left on the table these days between, you know, commercial property, unit trust, and a few other things. So, basically, if anything really exciting pops up out of that, I'll run it by you as well if I think there's a good option there. But I\n\nChannel 1: Yeah.\n\nChannel 0: definitely\n\nChannel 1: Definitely.\n\nChannel 0: don't wanna dive in into anything that's gonna get you know, you you start the process and the government changes the rules on you.\n\nChannel 1: Yeah.\n\nChannel 0: Don't\n\nChannel 1: Yeah.\n\nChannel 0: wanna\n\nChannel 1: Exactly.\n\nChannel 0: put you in anything where they can pull the rug out.\n\nChannel 1: Yeah. Not a problem. Yeah. That'd be that'd be great. If you send anything, you know, looks good, then, yeah, definitely give us a call.\n\nChannel 0: Cool. Absolutely. I'll put the notes on file so every time I catch up with you, I'll just kind of touch base. And I'll put in basically, I'm gonna put a flag in your account called the the NLI flag, which is like what we did with that contribution form. So come, like, end of May, early June, we'll give you a buzz, see how the contributions look, do a bit of a top up with you, and just go through that form with you.\n\nChannel 1: Yeah.\n\nChannel 0: So you\n\nChannel 1: Yeah.\n\nChannel 0: should be\n\nChannel 1: That'd\n\nChannel 0: expecting\n\nChannel 1: be great.\n\nChannel 0: that kind of yearly yearly phone call.\n\nChannel 1: Yeah. That's yeah. That'd be great.\n\nChannel 0: Awesome. Alrighty, Dan. Thank you so much for your time today, mate. And we will probably talk to you Tuesday, Wednesday, Thursday, but have a fantastic weekend.\n\nChannel 1: Good evening. You too, mate. Have a good one.\n\nChannel 0: You too. Cheers.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.05169181153178215}],"sentiment":"neutral","sentiment_score":0.05169181153178215,"channel":1,"num_words":1,"start":2.56,"end":3.06},{"sentences":[{"text":"Good day, Dane.","start":4.4,"end":5.12,"sentiment":"positive","sentiment_score":0.3397894998391469},{"text":"Tommy here, senior adviser from.","start":5.12,"end":6.98,"sentiment":"neutral","sentiment_score":0.17941955029964446},{"text":"How you been?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.13484540084997812}],"sentiment":"neutral","sentiment_score":0.21100022305141797,"channel":0,"num_words":11,"start":4.4,"end":7.94},{"sentences":[{"text":"Hi, Tommy.","start":7.9199996,"end":8.72,"sentiment":"neutral","sentiment_score":0.21106484532356265},{"text":"How are we, mate?","start":8.72,"end":9.7,"sentiment":"positive","sentiment_score":0.3451029360294342}],"sentiment":"neutral","sentiment_score":0.30042357246081036,"channel":1,"num_words":6,"start":7.9199996,"end":9.7},{"sentences":[{"text":"I'm living the dream.","start":10.24,"end":11.36,"sentiment":"positive","sentiment_score":0.6488677263259888},{"text":"Happy Friday to you, sir.","start":11.36,"end":12.765,"sentiment":"positive","sentiment_score":0.6525846362113953}],"sentiment":"positive","sentiment_score":0.6509326762623258,"channel":0,"num_words":9,"start":10.24,"end":12.765},{"sentences":[{"text":"Yeah.","start":13.28,"end":13.755,"sentiment":"neutral","sentiment_score":0.15477505326271057},{"text":"You too.","start":13.835,"end":14.235,"sentiment":"neutral","sentiment_score":0.09526946395635605},{"text":"Sorry about last week.","start":14.235,"end":15.675,"sentiment":"neutral","sentiment_score":-0.16682154685258865},{"text":"I was I was waiting for a message because they said they were gonna message me before the day before and nothing came, and then I was I was busy traveling from work.","start":15.675,"end":24.814999,"sentiment":"neutral","sentiment_score":-0.14157099344513632},{"text":"And I completely","start":25.355,"end":26.175,"sentiment":"neutral","sentiment_score":-0.09557398160298665}],"sentiment":"neutral","sentiment_score":-0.12280318452868351,"channel":1,"num_words":43,"start":13.28,"end":26.175},{"sentences":[{"text":"No.","start":26.125,"end":26.285,"sentiment":"neutral","sentiment_score":-0.16024133563041687}],"sentiment":"neutral","sentiment_score":-0.16024133563041687,"channel":0,"num_words":1,"start":26.125,"end":26.285},{"sentences":[{"text":"forgot.","start":26.235,"end":26.735,"sentiment":"neutral","sentiment_score":-0.11996224522590636}],"sentiment":"neutral","sentiment_score":-0.11996224522590636,"channel":1,"num_words":1,"start":26.235,"end":26.735},{"sentences":[{"text":"That's alright.","start":26.285,"end":26.845001,"sentiment":"neutral","sentiment_score":-0.1138528361916542},{"text":"We we had a bit of IT issues.","start":26.845001,"end":29.48,"sentiment":"neutral","sentiment_score":-0.20227009803056717},{"text":"It was kind of like on and off, so some of the messages weren't going through.","start":29.48,"end":32.76,"sentiment":"neutral","sentiment_score":-0.15653377445414662},{"text":"So but if you","start":32.76,"end":33.879997,"sentiment":"neutral","sentiment_score":-0.06933664344251156}],"sentiment":"neutral","sentiment_score":-0.15425844738880792,"channel":0,"num_words":30,"start":26.285,"end":33.879997},{"sentences":[{"text":"Okay.","start":33.68,"end":34.18,"sentiment":"neutral","sentiment_score":-0.0382973775267601}],"sentiment":"neutral","sentiment_score":-0.0382973775267601,"channel":1,"num_words":1,"start":33.68,"end":34.18},{"sentences":[{"text":"were traveling, I understand completely.","start":33.879997,"end":35.579998,"sentiment":"neutral","sentiment_score":-0.06889101192355156}],"sentiment":"neutral","sentiment_score":-0.06889101192355156,"channel":0,"num_words":5,"start":33.879997,"end":35.579998},{"sentences":[{"text":"Yeah.","start":36.08,"end":36.16,"sentiment":"neutral","sentiment_score":-0.02862124890089035},{"text":"Yeah.","start":36.16,"end":36.66,"sentiment":"neutral","sentiment_score":-0.040590234100818634},{"text":"Sorry about that.","start":36.8,"end":37.86,"sentiment":"neutral","sentiment_score":-0.11184986432393391}],"sentiment":"neutral","sentiment_score":-0.08095221519470215,"channel":1,"num_words":5,"start":36.08,"end":37.86},{"sentences":[{"text":"No.","start":38.52,"end":38.68,"sentiment":"neutral","sentiment_score":-0.051232799887657166},{"text":"You're all good.","start":38.68,"end":39.579998,"sentiment":"neutral","sentiment_score":0.1688975691795349},{"text":"For today, I've got this updated strategy to send through to you.","start":40.36,"end":44.755,"sentiment":"neutral","sentiment_score":0.2276522032916546},{"text":"Will you be able to","start":44.755,"end":45.475002,"sentiment":"neutral","sentiment_score":0.132014961540699}],"sentiment":"neutral","sentiment_score":0.18320767404068083,"channel":0,"num_words":21,"start":38.52,"end":45.475002},{"sentences":[{"text":"Yep.","start":45.405,"end":45.905,"sentiment":"neutral","sentiment_score":0.0898536890745163}],"sentiment":"neutral","sentiment_score":0.0898536890745163,"channel":1,"num_words":1,"start":45.405,"end":45.905},{"sentences":[{"text":"look on to the email with me, or should I just kinda walk you through it?","start":45.475002,"end":48.855003,"sentiment":"neutral","sentiment_score":0.09611164918169379}],"sentiment":"neutral","sentiment_score":0.09611164918169379,"channel":0,"num_words":16,"start":45.475002,"end":48.855003},{"sentences":[{"text":"You could just walk us through it.","start":52.125,"end":53.485,"sentiment":"neutral","sentiment_score":0.06633173887218748},{"text":"I'm sorta I was driving before, so I'm still but, yeah, no.","start":53.485,"end":57.36,"sentiment":"neutral","sentiment_score":-0.0020716667640954256},{"text":"You can just walk us through it.","start":57.36,"end":58.48,"sentiment":"neutral","sentiment_score":0.06740641381059374},{"text":"I'll just look at the email later on if if that's alright.","start":58.48,"end":62.18,"sentiment":"neutral","sentiment_score":0.052416459346810974}],"sentiment":"neutral","sentiment_score":0.04053433104663303,"channel":1,"num_words":38,"start":52.125,"end":62.18},{"sentences":[{"text":"Yeah.","start":63.61,"end":64.01,"sentiment":"neutral","sentiment_score":0.1193322017788887},{"text":"That's totally fine.","start":64.01,"end":65.39,"sentiment":"neutral","sentiment_score":0.2322624127070109},{"text":"Before I dive into it, so I'll send it through now just so you've got it there, and I'll just go through a quick security check with you.","start":65.93,"end":73.655,"sentiment":"neutral","sentiment_score":0.08004917976047311}],"sentiment":"neutral","sentiment_score":0.09554676478728652,"channel":0,"num_words":32,"start":63.61,"end":73.655},{"sentences":[{"text":"Yeah.","start":73.805,"end":74.125,"sentiment":"neutral","sentiment_score":0.04003385454416275},{"text":"Not a","start":74.125,"end":74.365005,"sentiment":"neutral","sentiment_score":0.041647203266620636}],"sentiment":"neutral","sentiment_score":0.041109420359134674,"channel":1,"num_words":3,"start":73.805,"end":74.365005},{"sentences":[{"text":"Can","start":74.355,"end":74.675,"sentiment":"neutral","sentiment_score":0.044122062623500824}],"sentiment":"neutral","sentiment_score":0.044122062623500824,"channel":0,"num_words":1,"start":74.355,"end":74.675},{"sentences":[{"text":"problem.","start":74.365005,"end":74.865005,"sentiment":"neutral","sentiment_score":0.090374656021595}],"sentiment":"neutral","sentiment_score":0.090374656021595,"channel":1,"num_words":1,"start":74.365005,"end":74.865005},{"sentences":[{"text":"I just get your date of birth and address?","start":74.675,"end":77.575005,"sentiment":"neutral","sentiment_score":0.04779168052805795}],"sentiment":"neutral","sentiment_score":0.04779168052805795,"channel":0,"num_words":9,"start":74.675,"end":77.575005},{"sentences":[{"text":"Yep.","start":78.605,"end":79.105,"sentiment":"neutral","sentiment_score":0.028415635228157043},{"text":"Address 28 Riverley Waters Drive, Lorraine 4211, birth code, and 02/15/1989 for the date of birth.","start":79.485,"end":91.24,"sentiment":"neutral","sentiment_score":0.05017056129872799}],"sentiment":"neutral","sentiment_score":0.048890859765164996,"channel":1,"num_words":17,"start":78.605,"end":91.24},{"sentences":[{"text":"Sensational.","start":91.29,"end":91.79,"sentiment":"neutral","sentiment_score":0.109111487865448},{"text":"Thank you very much.","start":92.73,"end":93.69,"sentiment":"positive","sentiment_score":0.4213349148631096},{"text":"And, obviously, registered with Asic as Adviser 1273105.","start":93.69,"end":98.19,"sentiment":"neutral","sentiment_score":0.13058252725750208},{"text":"And are you okay for the call to be","start":98.33,"end":100.275,"sentiment":"neutral","sentiment_score":0.09426651646693547}],"sentiment":"neutral","sentiment_score":0.1676140915263783,"channel":0,"num_words":22,"start":91.29,"end":100.275},{"sentences":[{"text":"Yep.","start":101.725006,"end":102.225006,"sentiment":"neutral","sentiment_score":0.09978890419006348}],"sentiment":"neutral","sentiment_score":0.09978890419006348,"channel":1,"num_words":1,"start":101.725006,"end":102.225006},{"sentences":[{"text":"recorded?","start":102.675,"end":103.175,"sentiment":"neutral","sentiment_score":0.10896475613117218},{"text":"Beautiful.","start":104.355,"end":104.855,"sentiment":"neutral","sentiment_score":0.3224407434463501},{"text":"So when you get that email, it'll come up with about six documents.","start":104.915,"end":109.335,"sentiment":"neutral","sentiment_score":0.14354918553278997},{"text":"The first one will be the statement of advice itself.","start":109.955,"end":112.695,"sentiment":"neutral","sentiment_score":0.1162290133535862},{"text":"Will have an appendix with some additional research attached and just","start":114.0,"end":117.84,"sentiment":"neutral","sentiment_score":0.10770383206280795}],"sentiment":"neutral","sentiment_score":0.12901603327029282,"channel":0,"num_words":36,"start":102.675,"end":117.84},{"sentences":[{"text":"Yep.","start":117.700005,"end":118.200005,"sentiment":"neutral","sentiment_score":0.10145539045333862}],"sentiment":"neutral","sentiment_score":0.10145539045333862,"channel":1,"num_words":1,"start":117.700005,"end":118.200005},{"sentences":[{"text":"links to the investment.","start":117.84,"end":118.98,"sentiment":"neutral","sentiment_score":0.09082828089594841},{"text":"We've","start":120.16,"end":120.48,"sentiment":"neutral","sentiment_score":0.08816342800855637}],"sentiment":"neutral","sentiment_score":0.09029531031847,"channel":0,"num_words":5,"start":117.84,"end":120.48},{"sentences":[{"text":"Yep.","start":120.340004,"end":120.840004,"sentiment":"neutral","sentiment_score":0.08938132226467133}],"sentiment":"neutral","sentiment_score":0.08938132226467133,"channel":1,"num_words":1,"start":120.340004,"end":120.840004},{"sentences":[{"text":"got an insurance quote for the income protection and","start":120.48,"end":126.34,"sentiment":"neutral","sentiment_score":0.0794829713801543}],"sentiment":"neutral","sentiment_score":0.0794829713801543,"channel":0,"num_words":9,"start":120.48,"end":126.34},{"sentences":[{"text":"Yep.","start":125.86,"end":126.36,"sentiment":"neutral","sentiment_score":0.045032940804958344}],"sentiment":"neutral","sentiment_score":0.045032940804958344,"channel":1,"num_words":1,"start":125.86,"end":126.36},{"sentences":[{"text":"also just some updated product documents for the funds.","start":127.2,"end":129.945,"sentiment":"neutral","sentiment_score":0.1510855323738522},{"text":"They've updated their PDF and investment menu and everything, and so we just wanted to send that through to your records.","start":130.02501,"end":135.085,"sentiment":"neutral","sentiment_score":0.20123462911163056}],"sentiment":"neutral","sentiment_score":0.18618990009029707,"channel":0,"num_words":30,"start":127.2,"end":135.085},{"sentences":[{"text":"Got it.","start":136.005,"end":136.825,"sentiment":"neutral","sentiment_score":0.24550258368253708}],"sentiment":"neutral","sentiment_score":0.24550258368253708,"channel":1,"num_words":2,"start":136.005,"end":136.825},{"sentences":[{"text":"Now in terms of, I guess, the starting point is the scope of the advice the document covers.","start":138.585,"end":144.14,"sentiment":"neutral","sentiment_score":0.11422270867559645},{"text":"We were talking about just reviewing the investments inside the super and a little bit of a review on topping up the income protection, if that rings a bell.","start":144.44,"end":154.06001,"sentiment":"neutral","sentiment_score":0.11488760545335967}],"sentiment":"neutral","sentiment_score":0.11463296413421631,"channel":0,"num_words":47,"start":138.585,"end":154.06001},{"sentences":[{"text":"Yep.","start":154.66,"end":155.16,"sentiment":"positive","sentiment_score":0.3803872466087342}],"sentiment":"positive","sentiment_score":0.3803872466087342,"channel":1,"num_words":1,"start":154.66,"end":155.16},{"sentences":[{"text":"Cool.","start":156.68001,"end":156.945,"sentiment":"positive","sentiment_score":0.5625353455543518},{"text":"We did have a look at the contribution too and a couple of reminders there just in terms of just, like, planning, just to make sure get a will and power of attorney and all that kind of thing put in place.","start":158.065,"end":170.085,"sentiment":"neutral","sentiment_score":0.2398344517818519},{"text":"But there's no advice in here about trauma insurance or anything to do with cash flow or debt management because you're kind of handling all that yourself in terms of savings and renos and things like that.","start":170.46501,"end":183.63,"sentiment":"neutral","sentiment_score":-0.08422687384567375}],"sentiment":"neutral","sentiment_score":0.09398984985127753,"channel":0,"num_words":80,"start":156.68001,"end":183.63},{"sentences":[{"text":"Yep.","start":184.22,"end":184.72,"sentiment":"positive","sentiment_score":0.3367278575897217}],"sentiment":"positive","sentiment_score":0.3367278575897217,"channel":1,"num_words":1,"start":184.22,"end":184.72},{"sentences":[{"text":"Beautiful.","start":186.33,"end":186.83,"sentiment":"positive","sentiment_score":0.6400895118713379},{"text":"First thing I'd like to sort of start with, so we've got all your details in there, assets, liabilities, goals, and everything.","start":187.77501,"end":192.835,"sentiment":"neutral","sentiment_score":0.25294117629528046},{"text":"We're sticking to that growth risk profile, like we've said last time, just and ensure enough on the underlying investment.","start":193.05501,"end":199.98001,"sentiment":"neutral","sentiment_score":0.2080058142542839}],"sentiment":"neutral","sentiment_score":0.24104445756867873,"channel":0,"num_words":43,"start":186.33,"end":199.98001},{"sentences":[{"text":"Yep.","start":201.145,"end":201.645,"sentiment":"neutral","sentiment_score":0.21665243804454803}],"sentiment":"neutral","sentiment_score":0.21665243804454803,"channel":1,"num_words":1,"start":201.145,"end":201.645},{"sentences":[{"text":"Now when I look at the figures there, so what you'll see, you'll see a fee comparison table.","start":202.68001,"end":207.26001,"sentiment":"neutral","sentiment_score":0.22487342523203957},{"text":"We managed to kind of drop the investment fees by about 20% and then bump the returns up from an average five year return from about eight and a half to about 10 and a half, which is kind of above that nine benchmark that we're aiming for.","start":208.20001,"end":224.11499,"sentiment":"positive","sentiment_score":0.38614467935015756}],"sentiment":"positive","sentiment_score":0.3421616100452163,"channel":0,"num_words":66,"start":202.68001,"end":224.11499},{"sentences":[{"text":"Yep.","start":224.58499,"end":225.08499,"sentiment":"neutral","sentiment_score":0.2253628969192505}],"sentiment":"neutral","sentiment_score":0.2253628969192505,"channel":1,"num_words":1,"start":224.58499,"end":225.08499},{"sentences":[{"text":"Now there's no capital gains tax for the slipper to pay because all the investments kind of even each other out when we switch them around.","start":226.655,"end":236.15001,"sentiment":"neutral","sentiment_score":0.10845444523371182},{"text":"And I have included in there the insurance premium just for the updated projections as well.","start":236.93001,"end":243.625,"sentiment":"neutral","sentiment_score":0.21530586294829845},{"text":"We're looking at round figures going from about 600,000 in ten years to about $7.35.","start":243.68501,"end":251.785,"sentiment":"neutral","sentiment_score":0.17399045526981355},{"text":"Obviously, take that with a grain of salt because the market goes up and down like a yoyo, but you should be about a $100 better off from the investment switch.","start":252.16501,"end":259.84,"sentiment":"neutral","sentiment_score":-0.01889280270364496}],"sentiment":"neutral","sentiment_score":0.09419192418731241,"channel":0,"num_words":88,"start":226.655,"end":259.84},{"sentences":[{"text":"Yep.","start":260.74,"end":260.98,"sentiment":"neutral","sentiment_score":0.1455748975276947},{"text":"Swipe.","start":260.98,"end":261.48,"sentiment":"neutral","sentiment_score":0.049899227917194366}],"sentiment":"neutral","sentiment_score":0.09773706272244453,"channel":1,"num_words":2,"start":260.74,"end":261.48},{"sentences":[{"text":"Outside of that, so in terms of the main switches, I have decided to switch out a a number of investments just because the when the government brought in that legislation to capital gains","start":264.13998,"end":275.975,"sentiment":"neutral","sentiment_score":-0.05998849556507433}],"sentiment":"neutral","sentiment_score":-0.05998849556507433,"channel":0,"num_words":34,"start":264.13998,"end":275.975},{"sentences":[{"text":"Yep.","start":275.665,"end":276.165,"sentiment":"neutral","sentiment_score":-0.15517941117286682}],"sentiment":"neutral","sentiment_score":-0.15517941117286682,"channel":1,"num_words":1,"start":275.665,"end":276.165},{"sentences":[{"text":"and negative gearing, it caused a lot of property companies to kind of start tanking.","start":275.975,"end":280.475,"sentiment":"negative","sentiment_score":-0.5280628462632497},{"text":"And I I just wanna get you away from that investment as well with that spent long month that we were switching","start":280.775,"end":286.77,"sentiment":"neutral","sentiment_score":-0.27397802607579663}],"sentiment":"negative","sentiment_score":-0.3769853856112506,"channel":0,"num_words":37,"start":275.975,"end":286.77},{"sentences":[{"text":"Yep.","start":286.48,"end":286.98,"sentiment":"neutral","sentiment_score":-0.1898997277021408}],"sentiment":"neutral","sentiment_score":-0.1898997277021408,"channel":1,"num_words":1,"start":286.48,"end":286.98},{"sentences":[{"text":"out for you already.","start":286.77,"end":287.83,"sentiment":"neutral","sentiment_score":-0.13419080711901188}],"sentiment":"neutral","sentiment_score":-0.13419080711901188,"channel":0,"num_words":4,"start":286.77,"end":287.83},{"sentences":[{"text":"Yeah.","start":288.64,"end":288.8,"sentiment":"neutral","sentiment_score":0.02050580084323883},{"text":"Okay.","start":288.8,"end":289.3,"sentiment":"neutral","sentiment_score":0.04253074526786804}],"sentiment":"neutral","sentiment_score":0.031518273055553436,"channel":1,"num_words":2,"start":288.64,"end":289.3},{"sentences":[{"text":"There's a couple of switching there.","start":290.93,"end":292.71,"sentiment":"neutral","sentiment_score":0.04207094882925352},{"text":"Redeployed some of the cash.","start":293.88998,"end":295.51,"sentiment":"neutral","sentiment_score":0.08320509642362595},{"text":"The asset allocation basically remains the same.","start":295.57,"end":298.53,"sentiment":"neutral","sentiment_score":0.2107836071934019},{"text":"You'll be going from about 80% growth assets to about 82.","start":298.53,"end":302.365,"sentiment":"neutral","sentiment_score":0.19113104993646796},{"text":"Again, you wanna be aiming between eighty and ninety for your, like, return index level, if that makes sense.","start":303.385,"end":309.165,"sentiment":"neutral","sentiment_score":0.23678508087208397}],"sentiment":"neutral","sentiment_score":0.18219363565246263,"channel":0,"num_words":48,"start":290.93,"end":309.165},{"sentences":[{"text":"Okay.","start":312.78,"end":313.28,"sentiment":"neutral","sentiment_score":0.12512698769569397}],"sentiment":"neutral","sentiment_score":0.12512698769569397,"channel":1,"num_words":1,"start":312.78,"end":313.28},{"sentences":[{"text":"Now in terms of the the contribution side of things, so remember how we were talking about trying to get maximum sort of contributions in there with a new $32,500 cap?","start":313.225,"end":324.31998,"sentiment":"neutral","sentiment_score":0.07870869999451022},{"text":"Does that ring a","start":324.31998,"end":324.87997,"sentiment":"neutral","sentiment_score":0.04243074404075742}],"sentiment":"neutral","sentiment_score":0.0745626478855099,"channel":0,"num_words":35,"start":313.225,"end":324.87997},{"sentences":[{"text":"Yep.","start":324.875,"end":325.375,"sentiment":"neutral","sentiment_score":0.013816243037581444}],"sentiment":"neutral","sentiment_score":0.013816243037581444,"channel":1,"num_words":1,"start":324.875,"end":325.375},{"sentences":[{"text":"bell?","start":324.87997,"end":325.37997,"sentiment":"neutral","sentiment_score":0.024717750027775764}],"sentiment":"neutral","sentiment_score":0.024717750027775764,"channel":0,"num_words":1,"start":324.87997,"end":325.37997},{"sentences":[{"text":"Yeah.","start":325.75497,"end":325.91498,"sentiment":"neutral","sentiment_score":0.059798017144203186},{"text":"Yeah.","start":325.91498,"end":326.41498,"sentiment":"neutral","sentiment_score":0.08762393146753311}],"sentiment":"neutral","sentiment_score":0.07371097430586815,"channel":1,"num_words":2,"start":325.75497,"end":326.41498},{"sentences":[{"text":"One of the things I I wanna kind of run by you, and this is my my advice and suggestion, is","start":328.08,"end":334.705,"sentiment":"neutral","sentiment_score":0.19912037892001017}],"sentiment":"neutral","sentiment_score":0.19912037892001017,"channel":0,"num_words":21,"start":328.08,"end":334.705},{"sentences":[{"text":"Yep.","start":334.63498,"end":335.13498,"sentiment":"neutral","sentiment_score":0.1257096529006958}],"sentiment":"neutral","sentiment_score":0.1257096529006958,"channel":1,"num_words":1,"start":334.63498,"end":335.13498},{"sentences":[{"text":"I wanna change how we're doing the contributions a bit because when I go through the transaction history, your workers switch to what seems to be, like, weekly contribution.","start":334.76498,"end":346.55002,"sentiment":"neutral","sentiment_score":0.0961016218723922}],"sentiment":"neutral","sentiment_score":0.0961016218723922,"channel":0,"num_words":29,"start":334.76498,"end":346.55002},{"sentences":[{"text":"Yeah.","start":347.47,"end":347.87,"sentiment":"neutral","sentiment_score":0.04450436308979988},{"text":"They","start":347.87,"end":348.11,"sentiment":"neutral","sentiment_score":0.02245132438838482}],"sentiment":"neutral","sentiment_score":0.03347784373909235,"channel":1,"num_words":2,"start":347.47,"end":348.11},{"sentences":[{"text":"Do you","start":348.13,"end":348.37,"sentiment":"neutral","sentiment_score":0.028388320468366146}],"sentiment":"neutral","sentiment_score":0.028388320468366146,"channel":0,"num_words":2,"start":348.13,"end":348.37},{"sentences":[{"text":"yeah.","start":348.35,"end":348.67,"sentiment":"neutral","sentiment_score":0.028620857745409012}],"sentiment":"neutral","sentiment_score":0.028620857745409012,"channel":1,"num_words":1,"start":348.35,"end":348.67},{"sentences":[{"text":"get paid","start":348.37,"end":348.85,"sentiment":"neutral","sentiment_score":0.01400728803128004}],"sentiment":"neutral","sentiment_score":0.01400728803128004,"channel":0,"num_words":2,"start":348.37,"end":348.85},{"sentences":[{"text":"They used","start":348.67,"end":349.07,"sentiment":"neutral","sentiment_score":0.0026109814643859863}],"sentiment":"neutral","sentiment_score":0.0026109814643859863,"channel":1,"num_words":2,"start":348.67,"end":349.07},{"sentences":[{"text":"weekly?","start":348.85,"end":349.35,"sentiment":"neutral","sentiment_score":0.010574707761406898}],"sentiment":"neutral","sentiment_score":0.010574707761406898,"channel":0,"num_words":1,"start":348.85,"end":349.35},{"sentences":[{"text":"to do monthly.","start":349.07,"end":349.89,"sentiment":"neutral","sentiment_score":0.001954458033045133},{"text":"It used to be one just big monthly one.","start":350.825,"end":352.845,"sentiment":"neutral","sentiment_score":-0.004792184465461307},{"text":"Yeah.","start":353.225,"end":353.465,"sentiment":"neutral","sentiment_score":0.04831873998045921},{"text":"They started doing Yeah.","start":353.465,"end":355.885,"sentiment":"neutral","sentiment_score":0.046381219290196896}],"sentiment":"neutral","sentiment_score":0.011563372414778261,"channel":1,"num_words":17,"start":349.07,"end":355.885},{"sentences":[{"text":"Now that's normally all fine because the those new legislation that super contributions have to be in line with the","start":357.41,"end":364.155,"sentiment":"neutral","sentiment_score":0.1700090527534485}],"sentiment":"neutral","sentiment_score":0.1700090527534485,"channel":0,"num_words":20,"start":357.41,"end":364.155},{"sentences":[{"text":"Yes.","start":364.03,"end":364.53,"sentiment":"neutral","sentiment_score":0.14413662254810333}],"sentiment":"neutral","sentiment_score":0.14413662254810333,"channel":1,"num_words":1,"start":364.03,"end":364.53},{"sentences":[{"text":"pay cycle, which is usually fine.","start":364.155,"end":366.815,"sentiment":"neutral","sentiment_score":0.15980533262093863},{"text":"But they've had it a whole lot come in from the tax office, like little catch up contributions towards the end of the year in April.","start":367.755,"end":374.91,"sentiment":"neutral","sentiment_score":-0.03613328962371899},{"text":"There's about 12 of those, little small amounts that came in.","start":374.91,"end":381.39,"sentiment":"neutral","sentiment_score":0.006564682857556777},{"text":"In addition to that, some of the month, they're fluctuating between $250 and 620.","start":381.39,"end":388.535,"sentiment":"neutral","sentiment_score":0.00729135111240404},{"text":"And last month, five contributions came in, two on the eleventh, one on the seventeenth, twenty fourth, and thirty first.","start":389.555,"end":396.29498,"sentiment":"neutral","sentiment_score":0.022926202230155467}],"sentiment":"neutral","sentiment_score":0.008469882300244523,"channel":0,"num_words":77,"start":364.155,"end":396.29498},{"sentences":[{"text":"So","start":396.835,"end":397.07498,"sentiment":"neutral","sentiment_score":-0.044064510613679886}],"sentiment":"neutral","sentiment_score":-0.044064510613679886,"channel":0,"num_words":1,"start":396.835,"end":397.07498},{"sentences":[{"text":"Yep.","start":396.95,"end":397.45,"sentiment":"neutral","sentiment_score":-0.07090403884649277}],"sentiment":"neutral","sentiment_score":-0.07090403884649277,"channel":1,"num_words":1,"start":396.95,"end":397.45},{"sentences":[{"text":"it seems to be just going a bit all over the shop.","start":397.07498,"end":399.9,"sentiment":"neutral","sentiment_score":-0.216617992768685}],"sentiment":"neutral","sentiment_score":-0.216617992768685,"channel":0,"num_words":12,"start":397.07498,"end":399.9},{"sentences":[{"text":"Yep.","start":400.79,"end":401.29,"sentiment":"neutral","sentiment_score":-0.030744975432753563}],"sentiment":"neutral","sentiment_score":-0.030744975432753563,"channel":1,"num_words":1,"start":400.79,"end":401.29},{"sentences":[{"text":"And what that's pretty much gonna do is the $2.50 a week now they've got the salary sacrifice.","start":400.94,"end":406.63998,"sentiment":"neutral","sentiment_score":-0.1818117308947775},{"text":"That's probably gonna tip you over accidentally if we keep that going.","start":406.78,"end":411.03998,"sentiment":"negative","sentiment_score":-0.495022214949131}],"sentiment":"neutral","sentiment_score":-0.3070959245165189,"channel":0,"num_words":30,"start":400.94,"end":411.03998},{"sentences":[{"text":"Yep.","start":411.455,"end":411.615,"sentiment":"neutral","sentiment_score":0.07237795740365982},{"text":"Okay.","start":411.615,"end":412.115,"sentiment":"neutral","sentiment_score":0.12267952412366868}],"sentiment":"neutral","sentiment_score":0.09752874076366425,"channel":1,"num_words":2,"start":411.455,"end":412.115},{"sentences":[{"text":"So what I think you should do instead is just do what my my father-in-law does out in the line is keep all of the instead of salary sacrificing, keep it inside, like, an offset account, offset mortgage, and things like that.","start":412.46,"end":426.725,"sentiment":"neutral","sentiment_score":0.22024704799765632},{"text":"And then when it","start":426.785,"end":427.585,"sentiment":"neutral","sentiment_score":0.2147272676229477}],"sentiment":"neutral","sentiment_score":0.21976706709550775,"channel":0,"num_words":46,"start":412.46,"end":427.585},{"sentences":[{"text":"Yep.","start":427.48,"end":427.98,"sentiment":"neutral","sentiment_score":0.2459836304187775}],"sentiment":"neutral","sentiment_score":0.2459836304187775,"channel":1,"num_words":1,"start":427.48,"end":427.98},{"sentences":[{"text":"comes to June, just do a top up contribution so you get both the interest offset for the whole year and the tax deduction double waived.","start":427.585,"end":436.06998,"sentiment":"neutral","sentiment_score":0.2523900425204864}],"sentiment":"neutral","sentiment_score":0.2523900425204864,"channel":0,"num_words":26,"start":427.585,"end":436.06998},{"sentences":[{"text":"Okay then.","start":437.035,"end":437.755,"sentiment":"neutral","sentiment_score":0.12815923243761063},{"text":"Yep.","start":437.755,"end":438.255,"sentiment":"neutral","sentiment_score":0.13352391123771667}],"sentiment":"neutral","sentiment_score":0.12994745870431265,"channel":1,"num_words":3,"start":437.035,"end":438.255},{"sentences":[{"text":"Does that make sense?","start":440.37,"end":441.50998,"sentiment":"neutral","sentiment_score":0.14240910485386848}],"sentiment":"neutral","sentiment_score":0.14240910485386848,"channel":0,"num_words":4,"start":440.37,"end":441.50998},{"sentences":[{"text":"Yeah.","start":442.155,"end":442.315,"sentiment":"neutral","sentiment_score":0.060145772993564606},{"text":"Yeah.","start":442.315,"end":442.635,"sentiment":"neutral","sentiment_score":0.05400425568223},{"text":"Yeah.","start":442.635,"end":442.79498,"sentiment":"neutral","sentiment_score":0.030330441892147064},{"text":"So don't do anything and then just yeah.","start":442.79498,"end":445.195,"sentiment":"neutral","sentiment_score":-0.03434808040037751},{"text":"Sorta like what we did this year with the with the 50,000.","start":445.195,"end":451.67,"sentiment":"neutral","sentiment_score":0.01315030719464024}],"sentiment":"neutral","sentiment_score":0.0011956310304610627,"channel":1,"num_words":23,"start":442.155,"end":451.67},{"sentences":[{"text":"Yes.","start":451.38498,"end":451.88498,"sentiment":"neutral","sentiment_score":0.05296746641397476}],"sentiment":"neutral","sentiment_score":0.05296746641397476,"channel":0,"num_words":1,"start":451.38498,"end":451.88498},{"sentences":[{"text":"Is that","start":451.67,"end":451.99,"sentiment":"neutral","sentiment_score":0.05336743779480457}],"sentiment":"neutral","sentiment_score":0.05336743779480457,"channel":1,"num_words":2,"start":451.67,"end":451.99},{"sentences":[{"text":"Yes.","start":451.94498,"end":452.44498,"sentiment":"neutral","sentiment_score":0.06146002560853958}],"sentiment":"neutral","sentiment_score":0.06146002560853958,"channel":0,"num_words":1,"start":451.94498,"end":452.44498},{"sentences":[{"text":"is that what you're trying to say?","start":451.99,"end":453.45,"sentiment":"neutral","sentiment_score":0.055611932916300635}],"sentiment":"neutral","sentiment_score":0.055611932916300635,"channel":1,"num_words":7,"start":451.99,"end":453.45},{"sentences":[{"text":"Yeah.","start":454.50497,"end":454.985,"sentiment":"neutral","sentiment_score":0.10868354141712187},{"text":"Similar method.","start":454.985,"end":455.73,"sentiment":"neutral","sentiment_score":0.1674041710793972},{"text":"So basically, keep it to yourself.","start":456.21002,"end":458.23,"sentiment":"neutral","sentiment_score":0.2974745954076449},{"text":"Let let you save on the interest on a weekly basis.","start":458.53,"end":461.19,"sentiment":"positive","sentiment_score":0.3819705708460374},{"text":"Get a whole","start":461.49002,"end":462.13,"sentiment":"positive","sentiment_score":0.36808892091115314}],"sentiment":"neutral","sentiment_score":0.3275774999157242,"channel":0,"num_words":23,"start":454.50497,"end":462.13},{"sentences":[{"text":"Yep.","start":461.99,"end":462.49,"sentiment":"positive","sentiment_score":0.3649122416973114}],"sentiment":"positive","sentiment_score":0.3649122416973114,"channel":1,"num_words":1,"start":461.99,"end":462.49},{"sentences":[{"text":"year out of it, and then just chuck in","start":462.13,"end":464.13,"sentiment":"neutral","sentiment_score":0.28509064349863267}],"sentiment":"neutral","sentiment_score":0.28509064349863267,"channel":0,"num_words":9,"start":462.13,"end":464.13},{"sentences":[{"text":"Yep.","start":464.05502,"end":464.55502,"sentiment":"neutral","sentiment_score":0.215637668967247}],"sentiment":"neutral","sentiment_score":0.215637668967247,"channel":1,"num_words":1,"start":464.05502,"end":464.55502},{"sentences":[{"text":"that couple of grand top up so you don't tip over.","start":464.13,"end":466.55002,"sentiment":"neutral","sentiment_score":0.2421614189039577}],"sentiment":"neutral","sentiment_score":0.2421614189039577,"channel":0,"num_words":11,"start":464.13,"end":466.55002},{"sentences":[{"text":"Yeah.","start":467.73502,"end":468.05502,"sentiment":"neutral","sentiment_score":0.20247414708137512},{"text":"Okay.","start":468.05502,"end":468.55502,"sentiment":"neutral","sentiment_score":0.2408058196306229},{"text":"Yes.","start":470.295,"end":470.61502,"sentiment":"neutral","sentiment_score":0.26862484216690063}],"sentiment":"neutral","sentiment_score":0.23730160295963287,"channel":1,"num_words":3,"start":467.73502,"end":470.61502},{"sentences":[{"text":"And","start":470.45,"end":470.69,"sentiment":"positive","sentiment_score":0.33397412300109863}],"sentiment":"positive","sentiment_score":0.33397412300109863,"channel":0,"num_words":1,"start":470.45,"end":470.69},{"sentences":[{"text":"Right.","start":470.61502,"end":471.11502,"sentiment":"positive","sentiment_score":0.4080545902252197}],"sentiment":"positive","sentiment_score":0.4080545902252197,"channel":1,"num_words":1,"start":470.61502,"end":471.11502},{"sentences":[{"text":"that way, you get the benefit of both, which is better, and then there's no risk of random additional taxes coming out because of the frequency and the fluctuating amount.","start":470.69,"end":481.055,"sentiment":"positive","sentiment_score":0.4019337644179662}],"sentiment":"positive","sentiment_score":0.4019337644179662,"channel":0,"num_words":30,"start":470.69,"end":481.055},{"sentences":[{"text":"Yeah.","start":482.1,"end":482.25998,"sentiment":"neutral","sentiment_score":0.18004846572875977},{"text":"I got them.","start":482.25998,"end":483.16,"sentiment":"neutral","sentiment_score":0.17763294776280722},{"text":"Yep.","start":483.22,"end":483.72,"sentiment":"neutral","sentiment_score":0.2461848258972168}],"sentiment":"neutral","sentiment_score":0.19182642698287963,"channel":1,"num_words":5,"start":482.1,"end":483.72},{"sentences":[{"text":"Cool.","start":485.195,"end":485.46,"sentiment":"neutral","sentiment_score":0.31482571363449097},{"text":"So I've","start":485.94,"end":486.34,"sentiment":"neutral","sentiment_score":0.16482152044773102}],"sentiment":"neutral","sentiment_score":0.214822918176651,"channel":0,"num_words":3,"start":485.195,"end":486.34},{"sentences":[{"text":"Yeah.","start":486.18,"end":486.68,"sentiment":"neutral","sentiment_score":0.13127152621746063}],"sentiment":"neutral","sentiment_score":0.13127152621746063,"channel":1,"num_words":1,"start":486.18,"end":486.68},{"sentences":[{"text":"included that in there.","start":486.34,"end":487.38,"sentiment":"neutral","sentiment_score":0.16041983291506767},{"text":"Again, it's just a a note of this booking the payroll,","start":487.38,"end":490.28,"sentiment":"neutral","sentiment_score":0.1758233904838562}],"sentiment":"neutral","sentiment_score":0.17171577513217925,"channel":0,"num_words":15,"start":486.34,"end":490.28},{"sentences":[{"text":"Yep.","start":490.285,"end":490.785,"sentiment":"neutral","sentiment_score":0.18457382917404175}],"sentiment":"neutral","sentiment_score":0.18457382917404175,"channel":1,"num_words":1,"start":490.285,"end":490.785},{"sentences":[{"text":"but I'm basically saying, yes.","start":490.66,"end":492.5,"sentiment":"neutral","sentiment_score":0.13790753185749055},{"text":"Stop the sales tax.","start":492.5,"end":493.46,"sentiment":"neutral","sentiment_score":0.13403207808732986},{"text":"Pop it up later.","start":493.46,"end":494.44,"sentiment":"neutral","sentiment_score":0.1900789439678192},{"text":"So that's kind of the super side of things.","start":496.74,"end":498.5,"sentiment":"neutral","sentiment_score":0.23487390081087747},{"text":"Tune up the portfolio, switch how we do the Any questions on on those two?","start":498.5,"end":504.685,"sentiment":"neutral","sentiment_score":0.08118958808481694}],"sentiment":"neutral","sentiment_score":0.14372136962373513,"channel":0,"num_words":37,"start":490.66,"end":504.685},{"sentences":[{"text":"No.","start":505.36,"end":505.84,"sentiment":"neutral","sentiment_score":-0.3307400345802307},{"text":"No.","start":505.84,"end":506.34,"sentiment":"negative","sentiment_score":-0.3989608585834503}],"sentiment":"negative","sentiment_score":-0.3648504465818405,"channel":1,"num_words":2,"start":505.36,"end":506.34},{"sentences":[{"text":"Cool.","start":508.42502,"end":508.92502,"sentiment":"neutral","sentiment_score":-0.2368222177028656},{"text":"For the insurance side of things, so I did a bit of a hunt around for some providers.","start":509.945,"end":515.33997,"sentiment":"neutral","sentiment_score":-0.21440049757560095},{"text":"I did find one provider which can possibly get you to the cheaper premium, but I haven't recommended it this year.","start":516.2,"end":524.45996,"sentiment":"neutral","sentiment_score":-0.284625277455364},{"text":"What I've actually","start":524.76,"end":525.64,"sentiment":"neutral","sentiment_score":-0.08365242679913838}],"sentiment":"neutral","sentiment_score":-0.24009579723311025,"channel":0,"num_words":43,"start":508.42502,"end":525.64},{"sentences":[{"text":"Yep.","start":525.255,"end":525.755,"sentiment":"neutral","sentiment_score":-0.04518992453813553}],"sentiment":"neutral","sentiment_score":-0.04518992453813553,"channel":1,"num_words":1,"start":525.255,"end":525.755},{"sentences":[{"text":"recommended is just to top up your income protection back up in line with what it should be.","start":525.64,"end":532.415,"sentiment":"positive","sentiment_score":0.345831165711085},{"text":"So instead","start":532.635,"end":533.195,"sentiment":"neutral","sentiment_score":0.23287401348352432}],"sentiment":"positive","sentiment_score":0.33453545048832894,"channel":0,"num_words":20,"start":525.64,"end":533.195},{"sentences":[{"text":"Yep.","start":533.17,"end":533.67,"sentiment":"positive","sentiment_score":0.348008930683136}],"sentiment":"positive","sentiment_score":0.348008930683136,"channel":1,"num_words":1,"start":533.17,"end":533.67},{"sentences":[{"text":"of 8,900 a month of cover, top it up to 10,000.","start":533.195,"end":536.895,"sentiment":"positive","sentiment_score":0.3709761988032948},{"text":"And that's only gonna bump up the premiums by about 600 a year to get that full sort of 70%.","start":537.915,"end":545.19,"sentiment":"positive","sentiment_score":0.41929125785827637}],"sentiment":"positive","sentiment_score":0.4021472046452184,"channel":0,"num_words":31,"start":533.195,"end":545.19},{"sentences":[{"text":"Okay.","start":546.075,"end":546.575,"sentiment":"neutral","sentiment_score":0.244203120470047},{"text":"Yep.","start":546.635,"end":547.135,"sentiment":"neutral","sentiment_score":0.2325117588043213}],"sentiment":"neutral","sentiment_score":0.23835743963718414,"channel":1,"num_words":2,"start":546.075,"end":547.135},{"sentences":[{"text":"What we can do possibly down the line is just in terms of another provider here in MetLife.","start":549.49,"end":555.955,"sentiment":"neutral","sentiment_score":0.13059415544072786},{"text":"They offer sliding discounts, which if we can match a health criteria, they can pretty much drop it a couple of thousand dollars, but it's incumbent on a couple of things.","start":556.815,"end":568.75,"sentiment":"neutral","sentiment_score":0.10377831853205158},{"text":"So I need to check with you just in terms of the the type of employee you've got.","start":568.75,"end":574.29,"sentiment":"neutral","sentiment_score":-0.07772549303869407},{"text":"Do you do anything kind of underground?","start":574.51,"end":576.45,"sentiment":"neutral","sentiment_score":-0.07002484000154904}],"sentiment":"neutral","sentiment_score":0.04971067456377519,"channel":0,"num_words":74,"start":549.49,"end":576.45},{"sentences":[{"text":"We do.","start":579.21497,"end":580.035,"sentiment":"neutral","sentiment_score":-0.0004807552322745323},{"text":"Yeah.","start":580.175,"end":580.675,"sentiment":"neutral","sentiment_score":-0.03636634349822998},{"text":"Sometimes.","start":580.815,"end":581.315,"sentiment":"neutral","sentiment_score":-0.038861118257045746},{"text":"Like, yeah, we so, yeah, I work in concrete, but, like, sometimes, I mean, I just take the underground to deliver the concrete because we're doing tunnel tunnel work.","start":581.695,"end":593.63,"sentiment":"neutral","sentiment_score":-0.04638577047093161}],"sentiment":"neutral","sentiment_score":-0.043072009572025505,"channel":1,"num_words":33,"start":579.21497,"end":593.63},{"sentences":[{"text":"Yep.","start":595.635,"end":595.795,"sentiment":"neutral","sentiment_score":0.040175050497055054},{"text":"Deliver the tunnel.","start":595.795,"end":596.755,"sentiment":"neutral","sentiment_score":0.0020238024493058524},{"text":"Do you know approximate depth you might go to was a bit of a maximum range?","start":596.755,"end":601.62,"sentiment":"neutral","sentiment_score":-0.018487072666175663}],"sentiment":"neutral","sentiment_score":-0.0124773352406919,"channel":0,"num_words":20,"start":595.635,"end":601.62},{"sentences":[{"text":"Could be anything.","start":605.065,"end":605.86505,"sentiment":"neutral","sentiment_score":-0.047258236755927406},{"text":"I know I know where we go a few kilometers in, but I don't know the actual depth.","start":605.86505,"end":611.32996,"sentiment":"neutral","sentiment_score":-0.06306779995146725}],"sentiment":"neutral","sentiment_score":-0.06080929092353299,"channel":1,"num_words":21,"start":605.065,"end":611.32996},{"sentences":[{"text":"Yep.","start":611.055,"end":611.555,"sentiment":"neutral","sentiment_score":0.021006550639867783}],"sentiment":"neutral","sentiment_score":0.021006550639867783,"channel":0,"num_words":1,"start":611.055,"end":611.555},{"sentences":[{"text":"It'd be a lot like","start":611.87,"end":613.25,"sentiment":"neutral","sentiment_score":-0.003747103875502944}],"sentiment":"neutral","sentiment_score":-0.003747103875502944,"channel":1,"num_words":5,"start":611.87,"end":613.25},{"sentences":[{"text":"Yeah.","start":612.975,"end":613.21497,"sentiment":"neutral","sentiment_score":0.01812823861837387},{"text":"I get you a few pages.","start":613.21497,"end":614.595,"sentiment":"neutral","sentiment_score":0.01278612514336904}],"sentiment":"neutral","sentiment_score":0.013549284211226873,"channel":0,"num_words":7,"start":612.975,"end":614.595},{"sentences":[{"text":"like, I can tell you how far yeah.","start":615.14996,"end":616.58997,"sentiment":"neutral","sentiment_score":0.01201332826167345},{"text":"Like, it's a few kilometers in, but, yeah, I don't know the hot you know, how deep we go down.","start":616.58997,"end":621.25,"sentiment":"neutral","sentiment_score":-0.025513964425772428},{"text":"But it would be","start":622.50995,"end":623.14996,"sentiment":"neutral","sentiment_score":0.05479657370597124}],"sentiment":"neutral","sentiment_score":-0.006093323987443,"channel":1,"num_words":32,"start":615.14996,"end":623.14996},{"sentences":[{"text":"Oh,","start":623.055,"end":623.21497,"sentiment":"neutral","sentiment_score":0.23235008120536804}],"sentiment":"neutral","sentiment_score":0.23235008120536804,"channel":0,"num_words":1,"start":623.055,"end":623.21497},{"sentences":[{"text":"a","start":623.14996,"end":623.23,"sentiment":"neutral","sentiment_score":0.2108859419822693}],"sentiment":"neutral","sentiment_score":0.2108859419822693,"channel":1,"num_words":1,"start":623.14996,"end":623.23},{"sentences":[{"text":"perfect.","start":623.21497,"end":623.615,"sentiment":"neutral","sentiment_score":0.2003941684961319}],"sentiment":"neutral","sentiment_score":0.2003941684961319,"channel":0,"num_words":1,"start":623.21497,"end":623.615},{"sentences":[{"text":"few 100","start":623.23,"end":623.87,"sentiment":"neutral","sentiment_score":0.05227598734200001}],"sentiment":"neutral","sentiment_score":0.05227598734200001,"channel":1,"num_words":2,"start":623.23,"end":623.87},{"sentences":[{"text":"Because basically","start":623.615,"end":624.25494,"sentiment":"neutral","sentiment_score":0.05303920619189739}],"sentiment":"neutral","sentiment_score":0.05303920619189739,"channel":0,"num_words":2,"start":623.615,"end":624.25494},{"sentences":[{"text":"meters","start":623.87,"end":624.26996,"sentiment":"neutral","sentiment_score":0.06389902532100677}],"sentiment":"neutral","sentiment_score":0.06389902532100677,"channel":1,"num_words":1,"start":623.87,"end":624.26996},{"sentences":[{"text":"what","start":624.25494,"end":624.495,"sentiment":"neutral","sentiment_score":0.058536142110824585}],"sentiment":"neutral","sentiment_score":0.058536142110824585,"channel":0,"num_words":1,"start":624.25494,"end":624.495},{"sentences":[{"text":"at least.","start":624.26996,"end":624.93,"sentiment":"neutral","sentiment_score":0.04399958439171314}],"sentiment":"neutral","sentiment_score":0.04399958439171314,"channel":1,"num_words":2,"start":624.26996,"end":624.93},{"sentences":[{"text":"they were saying,","start":624.495,"end":625.23,"sentiment":"neutral","sentiment_score":0.03796132281422615}],"sentiment":"neutral","sentiment_score":0.03796132281422615,"channel":0,"num_words":3,"start":624.495,"end":625.23},{"sentences":[{"text":"Yeah.","start":626.065,"end":626.565,"sentiment":"neutral","sentiment_score":0.07125161588191986}],"sentiment":"neutral","sentiment_score":0.07125161588191986,"channel":1,"num_words":1,"start":626.065,"end":626.565},{"sentences":[{"text":"200 meters, they were basically saying if you're ever doing anything that's purely above ground, they can give you a better occupation rating, and then they also offer, like, BMI based discounts.","start":626.43,"end":638.865,"sentiment":"neutral","sentiment_score":0.14692394970916212},{"text":"So if you're under a hundred kilos, they give you a standard rate.","start":639.085,"end":642.445,"sentiment":"neutral","sentiment_score":0.15808922797441483},{"text":"That's a couple of grand below one one part.","start":642.445,"end":646.225,"sentiment":"neutral","sentiment_score":0.15341870652304757},{"text":"And then if","start":646.285,"end":646.845,"sentiment":"neutral","sentiment_score":0.10761211812496185}],"sentiment":"neutral","sentiment_score":0.14842686083233148,"channel":0,"num_words":57,"start":626.43,"end":646.845},{"sentences":[{"text":"Yep.","start":646.83,"end":647.33,"sentiment":"neutral","sentiment_score":0.09769667685031892}],"sentiment":"neutral","sentiment_score":0.09769667685031892,"channel":1,"num_words":1,"start":646.83,"end":647.33},{"sentences":[{"text":"you go below 90 kilos, they'll give you a percentage discount on that.","start":646.845,"end":650.4,"sentiment":"neutral","sentiment_score":0.12031309800938918},{"text":"And so it's the combination of if you're above ground and hit the BMI figures, we could save a good quarter to a third of the premium down the line.","start":650.64,"end":660.74005,"sentiment":"positive","sentiment_score":0.34035807847976685}],"sentiment":"neutral","sentiment_score":0.27383285182593176,"channel":0,"num_words":43,"start":646.845,"end":660.74005},{"sentences":[{"text":"Okay then.","start":661.895,"end":662.795,"sentiment":"neutral","sentiment_score":0.15980349481105804},{"text":"Yeah.","start":665.975,"end":666.295,"sentiment":"neutral","sentiment_score":0.1393814980983734},{"text":"Okay.","start":666.295,"end":666.795,"sentiment":"neutral","sentiment_score":0.13500845432281494}],"sentiment":"neutral","sentiment_score":0.1484992355108261,"channel":1,"num_words":4,"start":661.895,"end":666.795},{"sentences":[{"text":"So I'm basically just I've got that in the appendix research just because I wanna keep an eye on it.","start":669.585,"end":674.725,"sentiment":"neutral","sentiment_score":0.18754075840115547},{"text":"It's","start":675.025,"end":675.185,"sentiment":"neutral","sentiment_score":0.1880439519882202}],"sentiment":"neutral","sentiment_score":0.1875647200005395,"channel":0,"num_words":21,"start":669.585,"end":675.185},{"sentences":[{"text":"Yep.","start":675.07,"end":675.57,"sentiment":"neutral","sentiment_score":0.164590522646904}],"sentiment":"neutral","sentiment_score":0.164590522646904,"channel":1,"num_words":1,"start":675.07,"end":675.57},{"sentences":[{"text":"basically just supposed just one part in that life at this point.","start":675.185,"end":678.725,"sentiment":"neutral","sentiment_score":0.17713457718491554},{"text":"And","start":678.865,"end":679.365,"sentiment":"neutral","sentiment_score":0.14611005783081055}],"sentiment":"neutral","sentiment_score":0.17474807569613823,"channel":0,"num_words":13,"start":675.185,"end":679.365},{"sentences":[{"text":"Yep.","start":679.23004,"end":679.73004,"sentiment":"neutral","sentiment_score":0.16027052700519562}],"sentiment":"neutral","sentiment_score":0.16027052700519562,"channel":1,"num_words":1,"start":679.23004,"end":679.73004},{"sentences":[{"text":"if it comes time where 12 time, the duty has changed a bit and we can match the health criteria, I basically wanna pull the trigger on that straight away.","start":679.585,"end":688.69,"sentiment":"neutral","sentiment_score":0.14301988407969474}],"sentiment":"neutral","sentiment_score":0.14301988407969474,"channel":0,"num_words":30,"start":679.585,"end":688.69},{"sentences":[{"text":"Yeah.","start":689.305,"end":689.545,"sentiment":"neutral","sentiment_score":0.0998833030462265},{"text":"Kinda.","start":689.545,"end":690.045,"sentiment":"neutral","sentiment_score":0.0953100323677063},{"text":"Yes.","start":690.105,"end":690.58496,"sentiment":"neutral","sentiment_score":0.08272559195756912},{"text":"What?","start":690.58496,"end":691.08496,"sentiment":"neutral","sentiment_score":0.056464068591594696}],"sentiment":"neutral","sentiment_score":0.08359574899077415,"channel":1,"num_words":4,"start":689.305,"end":691.08496},{"sentences":[{"text":"So For the time being, we'll keep on past just a little bit of a top up of the IP income","start":692.67,"end":699.245,"sentiment":"neutral","sentiment_score":0.09000342410235178}],"sentiment":"neutral","sentiment_score":0.09000342410235178,"channel":0,"num_words":21,"start":692.67,"end":699.245},{"sentences":[{"text":"Yep.","start":699.065,"end":699.565,"sentiment":"neutral","sentiment_score":0.07256028056144714}],"sentiment":"neutral","sentiment_score":0.07256028056144714,"channel":1,"num_words":1,"start":699.065,"end":699.565},{"sentences":[{"text":"protection.","start":699.245,"end":699.745,"sentiment":"neutral","sentiment_score":0.08122187107801437},{"text":"And then next review, I'll wait to just go over that again with you and see what it's","start":700.125,"end":705.03,"sentiment":"neutral","sentiment_score":0.08801810464097394}],"sentiment":"neutral","sentiment_score":0.08766040813766028,"channel":0,"num_words":19,"start":699.245,"end":705.03},{"sentences":[{"text":"Yeah.","start":706.32,"end":706.56,"sentiment":"neutral","sentiment_score":0.15149646997451782},{"text":"It's too easy.","start":706.56,"end":707.38,"sentiment":"positive","sentiment_score":0.3401331603527069}],"sentiment":"neutral","sentiment_score":0.29297398775815964,"channel":1,"num_words":4,"start":706.32,"end":707.38},{"sentences":[{"text":"looking like.","start":707.03,"end":709.11005,"sentiment":"positive","sentiment_score":0.35744936764240265},{"text":"Beautiful.","start":709.11005,"end":709.61005,"sentiment":"positive","sentiment_score":0.6857684254646301},{"text":"Basically, because of top ups and increases, we do have to apply for the increase.","start":710.47003,"end":716.73004,"sentiment":"neutral","sentiment_score":0.10849851320187251}],"sentiment":"neutral","sentiment_score":0.16823026993208462,"channel":0,"num_words":18,"start":707.03,"end":716.73004},{"sentences":[{"text":"Yep.","start":717.645,"end":718.145,"sentiment":"neutral","sentiment_score":0.11183080077171326}],"sentiment":"neutral","sentiment_score":0.11183080077171326,"channel":1,"num_words":1,"start":717.645,"end":718.145},{"sentences":[{"text":"So I included a quote to sign off on with the statement of advice, and","start":717.945,"end":723.065,"sentiment":"neutral","sentiment_score":0.14878382235765458}],"sentiment":"neutral","sentiment_score":0.14878382235765458,"channel":0,"num_words":15,"start":717.945,"end":723.065},{"sentences":[{"text":"Yep.","start":722.84503,"end":723.34503,"sentiment":"neutral","sentiment_score":0.1269049048423767}],"sentiment":"neutral","sentiment_score":0.1269049048423767,"channel":1,"num_words":1,"start":722.84503,"end":723.34503},{"sentences":[{"text":"then I basically just need to get you booked in with Jack to go through","start":723.065,"end":727.245,"sentiment":"neutral","sentiment_score":0.11826045165459315}],"sentiment":"neutral","sentiment_score":0.11826045165459315,"channel":0,"num_words":15,"start":723.065,"end":727.245},{"sentences":[{"text":"Okay.","start":727.42,"end":727.92,"sentiment":"neutral","sentiment_score":0.08210426568984985}],"sentiment":"neutral","sentiment_score":0.08210426568984985,"channel":1,"num_words":1,"start":727.42,"end":727.92},{"sentences":[{"text":"the application form when you do have some time.","start":727.705,"end":734.32,"sentiment":"neutral","sentiment_score":0.057738319867187075},{"text":"I've got they do have an expiry on it, but I've got we we did a bit of an updated one.","start":734.32,"end":740.82,"sentiment":"neutral","sentiment_score":0.0481181527000098}],"sentiment":"neutral","sentiment_score":0.05100420285016298,"channel":0,"num_words":30,"start":727.705,"end":740.82},{"sentences":[{"text":"Yep.","start":741.18,"end":741.68,"sentiment":"neutral","sentiment_score":0.16797837615013125}],"sentiment":"neutral","sentiment_score":0.16797837615013125,"channel":1,"num_words":1,"start":741.18,"end":741.68},{"sentences":[{"text":"I've sent away for an updated one to just keep refreshing it every thirty days because it expires.","start":742.8,"end":747.90497,"sentiment":"neutral","sentiment_score":0.15125280039178002},{"text":"This one expires","start":748.20496,"end":749.08496,"sentiment":"neutral","sentiment_score":0.11475080003341039}],"sentiment":"neutral","sentiment_score":0.14603822891201293,"channel":0,"num_words":21,"start":742.8,"end":749.08496},{"sentences":[{"text":"Yep.","start":748.845,"end":749.345,"sentiment":"neutral","sentiment_score":0.12145689129829408}],"sentiment":"neutral","sentiment_score":0.12145689129829408,"channel":1,"num_words":1,"start":748.845,"end":749.345},{"sentences":[{"text":"on the September 24, which is Thursday after next, but I will","start":749.08496,"end":755.725,"sentiment":"neutral","sentiment_score":0.10873281893630822}],"sentiment":"neutral","sentiment_score":0.10873281893630822,"channel":0,"num_words":12,"start":749.08496,"end":755.725},{"sentences":[{"text":"Yep.","start":755.62,"end":756.12,"sentiment":"neutral","sentiment_score":0.14759010076522827}],"sentiment":"neutral","sentiment_score":0.14759010076522827,"channel":1,"num_words":1,"start":755.62,"end":756.12},{"sentences":[{"text":"have another one received by that point.","start":755.725,"end":758.81995,"sentiment":"neutral","sentiment_score":0.14775102266243526},{"text":"So, basically, any dates or times that kind of work for you will have one, like, refreshed and ready to go.","start":758.81995,"end":766.56,"sentiment":"neutral","sentiment_score":0.27407461475758327}],"sentiment":"neutral","sentiment_score":0.24249371673379624,"channel":0,"num_words":28,"start":755.725,"end":766.56},{"sentences":[{"text":"Yeah.","start":767.38,"end":767.7,"sentiment":"neutral","sentiment_score":0.10951361060142516},{"text":"Kinda.","start":767.7,"end":768.2,"sentiment":"neutral","sentiment_score":0.09966802597045898},{"text":"Just wait.","start":768.26,"end":769.0,"sentiment":"neutral","sentiment_score":0.0628817267715931}],"sentiment":"neutral","sentiment_score":0.08373627252876759,"channel":1,"num_words":4,"start":767.38,"end":769.0},{"sentences":[{"text":"Do you want me to kind of book something in now or just get the team to sort of reach out next week and and see a traveler?","start":771.18,"end":776.835,"sentiment":"neutral","sentiment_score":0.09912841753768069}],"sentiment":"neutral","sentiment_score":0.09912841753768069,"channel":0,"num_words":28,"start":771.18,"end":776.835},{"sentences":[{"text":"Well yeah.","start":778.615,"end":779.435,"sentiment":"neutral","sentiment_score":0.07541386783123016},{"text":"Because from Monday, I'll be back to work, but I'm on night shift.","start":779.495,"end":782.855,"sentiment":"neutral","sentiment_score":0.06943643551606399},{"text":"So so I I can do any time.","start":782.855,"end":785.7,"sentiment":"neutral","sentiment_score":0.11642907746136189},{"text":"Usually, I wake up about twelve, 01:00, and I'll go to dinner in about or go have some night about four 04:00.","start":786.18,"end":793.7,"sentiment":"neutral","sentiment_score":0.06950812837616964},{"text":"So anytime from one till four from Tuesday, Wednesday, Thursday, Friday next week if you wanna do it.","start":793.7,"end":800.04004,"sentiment":"neutral","sentiment_score":0.07672530950771438}],"sentiment":"neutral","sentiment_score":0.07770108591232981,"channel":1,"num_words":63,"start":778.615,"end":800.04004},{"sentences":[{"text":"Then","start":801.275,"end":801.67505,"sentiment":"neutral","sentiment_score":0.06326766312122345}],"sentiment":"neutral","sentiment_score":0.06326766312122345,"channel":1,"num_words":1,"start":801.275,"end":801.67505},{"sentences":[{"text":"Yep.","start":801.64496,"end":802.14496,"sentiment":"neutral","sentiment_score":0.04962799698114395}],"sentiment":"neutral","sentiment_score":0.04962799698114395,"channel":0,"num_words":1,"start":801.64496,"end":802.14496},{"sentences":[{"text":"or anytime like that.","start":801.67505,"end":803.67505,"sentiment":"neutral","sentiment_score":0.07150546181946993},{"text":"Yeah.","start":803.67505,"end":804.17505,"sentiment":"neutral","sentiment_score":0.2791116535663605}],"sentiment":"neutral","sentiment_score":0.11302670016884804,"channel":1,"num_words":5,"start":801.67505,"end":804.17505},{"sentences":[{"text":"Cool.","start":806.045,"end":806.52496,"sentiment":"positive","sentiment_score":0.5422539710998535},{"text":"I'll put in a bit of a tentative one.","start":806.52496,"end":808.20496,"sentiment":"neutral","sentiment_score":0.2373008992936876},{"text":"And then if we need to, I'll just get Jack to kind of bump it along on","start":808.20496,"end":812.52496,"sentiment":"neutral","sentiment_score":0.11308762474971659}],"sentiment":"neutral","sentiment_score":0.1703870994625268,"channel":0,"num_words":27,"start":806.045,"end":812.52496},{"sentences":[{"text":"Yeah.","start":812.395,"end":812.895,"sentiment":"neutral","sentiment_score":0.0628872960805893}],"sentiment":"neutral","sentiment_score":0.0628872960805893,"channel":1,"num_words":1,"start":812.395,"end":812.895},{"sentences":[{"text":"the days if it's so.","start":812.52496,"end":814.38495,"sentiment":"neutral","sentiment_score":0.05814746022224426},{"text":"Let me","start":814.845,"end":815.32495,"sentiment":"neutral","sentiment_score":0.0547503549605608}],"sentiment":"neutral","sentiment_score":0.05717685871890613,"channel":0,"num_words":7,"start":812.52496,"end":815.32495},{"sentences":[{"text":"Yeah.","start":815.25995,"end":815.5,"sentiment":"neutral","sentiment_score":0.06351496279239655}],"sentiment":"neutral","sentiment_score":0.06351496279239655,"channel":1,"num_words":1,"start":815.25995,"end":815.5},{"sentences":[{"text":"have a","start":815.32495,"end":815.76,"sentiment":"neutral","sentiment_score":0.06038137525320053}],"sentiment":"neutral","sentiment_score":0.06038137525320053,"channel":0,"num_words":2,"start":815.32495,"end":815.76},{"sentences":[{"text":"Because yeah.","start":815.5,"end":816.38,"sentiment":"neutral","sentiment_score":0.050007645040750504},{"text":"Because I'm at work till the twenty fourth.","start":816.38,"end":818.48,"sentiment":"neutral","sentiment_score":0.07176999934017658},{"text":"So so that's when I find a home on the twenty fourth.","start":819.1,"end":821.81995,"sentiment":"neutral","sentiment_score":0.11002594108382861},{"text":"So, yeah, anytime","start":821.81995,"end":822.8,"sentiment":"neutral","sentiment_score":0.12513193736473718}],"sentiment":"neutral","sentiment_score":0.09479529559612274,"channel":1,"num_words":25,"start":815.5,"end":822.8},{"sentences":[{"text":"quick","start":823.2,"end":823.7,"sentiment":"neutral","sentiment_score":0.10603662580251694}],"sentiment":"neutral","sentiment_score":0.10603662580251694,"channel":0,"num_words":1,"start":823.2,"end":823.7},{"sentences":[{"text":"from Monday onwards.","start":824.22,"end":825.44,"sentiment":"neutral","sentiment_score":0.09285001456737518}],"sentiment":"neutral","sentiment_score":0.09285001456737518,"channel":1,"num_words":3,"start":824.22,"end":825.44},{"sentences":[{"text":"look there.","start":825.28,"end":828.16003,"sentiment":"neutral","sentiment_score":0.1536073535680771},{"text":"Perfect.","start":828.16003,"end":828.555,"sentiment":"positive","sentiment_score":0.6137622594833374},{"text":"So what I might do is I'll put a bit of a rolling one in for about 2PM on Tuesday, Wednesday, Thursday, and then","start":828.795,"end":839.915,"sentiment":"neutral","sentiment_score":0.12949068130304417}],"sentiment":"neutral","sentiment_score":0.14921308584787227,"channel":0,"num_words":27,"start":825.28,"end":839.915},{"sentences":[{"text":"Yep.","start":839.815,"end":840.315,"sentiment":"neutral","sentiment_score":0.12323389947414398}],"sentiment":"neutral","sentiment_score":0.12323389947414398,"channel":1,"num_words":1,"start":839.815,"end":840.315},{"sentences":[{"text":"I'll basically just get the guys to give you a buzz at that time each day.","start":839.915,"end":843.96,"sentiment":"neutral","sentiment_score":0.1647584824822843},{"text":"And if it lines up, he can basically just spend that fifteen minutes, update","start":843.96,"end":848.36,"sentiment":"neutral","sentiment_score":0.1057525532586234}],"sentiment":"neutral","sentiment_score":0.13722238217790922,"channel":0,"num_words":30,"start":839.915,"end":848.36},{"sentences":[{"text":"Yep.","start":848.08,"end":848.4,"sentiment":"neutral","sentiment_score":0.05253610759973526}],"sentiment":"neutral","sentiment_score":0.05253610759973526,"channel":1,"num_words":1,"start":848.08,"end":848.4},{"sentences":[{"text":"some","start":848.36,"end":848.86,"sentiment":"neutral","sentiment_score":0.006197937298566103}],"sentiment":"neutral","sentiment_score":0.006197937298566103,"channel":0,"num_words":1,"start":848.36,"end":848.86},{"sentences":[{"text":"That's","start":848.4,"end":848.9,"sentiment":"neutral","sentiment_score":0.02294518426060677}],"sentiment":"neutral","sentiment_score":0.02294518426060677,"channel":1,"num_words":1,"start":848.4,"end":848.9},{"sentences":[{"text":"some health info, occupational","start":848.92,"end":850.62,"sentiment":"neutral","sentiment_score":0.027490603271871805}],"sentiment":"neutral","sentiment_score":0.027490603271871805,"channel":0,"num_words":4,"start":848.92,"end":850.62},{"sentences":[{"text":"fine.","start":850.32,"end":850.82,"sentiment":"neutral","sentiment_score":0.03176557645201683}],"sentiment":"neutral","sentiment_score":0.03176557645201683,"channel":1,"num_words":1,"start":850.32,"end":850.82},{"sentences":[{"text":"info.","start":850.84,"end":851.34,"sentiment":"neutral","sentiment_score":0.04631999135017395}],"sentiment":"neutral","sentiment_score":0.04631999135017395,"channel":0,"num_words":1,"start":850.84,"end":851.34},{"sentences":[{"text":"Yep.","start":852.0,"end":852.5,"sentiment":"neutral","sentiment_score":0.1602883338928223},{"text":"That's not a problem.","start":852.56,"end":853.87,"sentiment":"positive","sentiment_score":0.3614730015397072}],"sentiment":"neutral","sentiment_score":0.3212360680103302,"channel":1,"num_words":5,"start":852.0,"end":853.87},{"sentences":[{"text":"Beautiful.","start":855.48,"end":855.98,"sentiment":"positive","sentiment_score":0.6313695907592773},{"text":"Again, if there's anything different from the original application, like health wise, they may come back with, you know, loadings and exclusions and price changes and that kind of thing.","start":856.27997,"end":866.285,"sentiment":"neutral","sentiment_score":-0.014791564581294854},{"text":"So just see how you go with it.","start":866.285,"end":868.225,"sentiment":"neutral","sentiment_score":0.05478860903531313},{"text":"If it becomes too difficult, just let us know.","start":869.08496,"end":871.44,"sentiment":"neutral","sentiment_score":-0.11694727713863055},{"text":"If it's","start":871.66,"end":872.06,"sentiment":"neutral","sentiment_score":0.10396575182676315}],"sentiment":"neutral","sentiment_score":-0.0043732492998242375,"channel":0,"num_words":50,"start":855.48,"end":872.06},{"sentences":[{"text":"Yep.","start":872.045,"end":872.545,"sentiment":"neutral","sentiment_score":0.1604537069797516}],"sentiment":"neutral","sentiment_score":0.1604537069797516,"channel":1,"num_words":1,"start":872.045,"end":872.545},{"sentences":[{"text":"a good outcome, we'll basically just submit it if there's no changes.","start":872.06,"end":875.19995,"sentiment":"neutral","sentiment_score":0.272133883399268},{"text":"If there is anything flagged, they'll probably just book you back in with me to have a quick chat.","start":875.5,"end":879.83997,"sentiment":"neutral","sentiment_score":0.16080053974139064}],"sentiment":"neutral","sentiment_score":0.2038973179315367,"channel":0,"num_words":31,"start":872.06,"end":879.83997},{"sentences":[{"text":"Okay.","start":880.22,"end":880.72,"sentiment":"positive","sentiment_score":0.38209792971611023}],"sentiment":"positive","sentiment_score":0.38209792971611023,"channel":1,"num_words":1,"start":880.22,"end":880.72},{"sentences":[{"text":"Beautiful.","start":882.86,"end":883.36,"sentiment":"positive","sentiment_score":0.6316973567008972},{"text":"Alright.","start":883.89996,"end":884.3,"sentiment":"positive","sentiment_score":0.44058582186698914},{"text":"So I'll send all that off to you.","start":884.3,"end":887.8983,"sentiment":"positive","sentiment_score":0.5121192336082458},{"text":"That's all ready to go, and I've put in that sort of rolling booking for Tuesday, Wednesday, Thursday.","start":887.8983,"end":890.78503,"sentiment":"positive","sentiment_score":0.4737677342361874},{"text":"Anything else you can think of that I can help out with?","start":891.645,"end":894.065,"sentiment":"neutral","sentiment_score":0.2172151729464531}],"sentiment":"positive","sentiment_score":0.4075909584760666,"channel":0,"num_words":40,"start":882.86,"end":894.065},{"sentences":[{"text":"No.","start":895.825,"end":896.22504,"sentiment":"neutral","sentiment_score":-0.31186413764953613},{"text":"Not really.","start":896.22504,"end":897.04504,"sentiment":"neutral","sentiment_score":-0.32416974008083344},{"text":"No.","start":897.265,"end":897.585,"sentiment":"neutral","sentiment_score":-0.07459726184606552},{"text":"There wasn't as I said before, the only thing that I I don't like I was gonna do was the suit the investment property in suitors, but that's gone out the window.","start":897.585,"end":909.21,"sentiment":"negative","sentiment_score":-0.3365133488550782},{"text":"So I've got nothing really else.","start":909.21,"end":911.15,"sentiment":"neutral","sentiment_score":-0.19654676566521326}],"sentiment":"neutral","sentiment_score":-0.3091073485002631,"channel":1,"num_words":42,"start":895.825,"end":911.15},{"sentences":[{"text":"The SMSF, that's that was the only thing we're really gonna I was gonna look into.","start":913.21,"end":917.37,"sentiment":"neutral","sentiment_score":-0.06974223046563566},{"text":"But now that that's how it's gone, there's not much else, to be honest.","start":917.37,"end":922.53503,"sentiment":"neutral","sentiment_score":-0.1002684895481382}],"sentiment":"neutral","sentiment_score":-0.08398781803747019,"channel":1,"num_words":30,"start":913.21,"end":922.53503},{"sentences":[{"text":"And in that space too, so I've been meeting up with all the brokers that we talked to, and","start":924.665,"end":930.31995,"sentiment":"neutral","sentiment_score":0.05118003360142833}],"sentiment":"neutral","sentiment_score":0.05118003360142833,"channel":0,"num_words":19,"start":924.665,"end":930.31995},{"sentences":[{"text":"Yep.","start":930.275,"end":930.775,"sentiment":"neutral","sentiment_score":0.08492431044578552}],"sentiment":"neutral","sentiment_score":0.08492431044578552,"channel":1,"num_words":1,"start":930.275,"end":930.775},{"sentences":[{"text":"we've just been discussing as a group kind of what options are left on the table these days between, you know, commercial property, unit trust, and a few other things.","start":930.62,"end":939.33997,"sentiment":"neutral","sentiment_score":0.07804436360796292},{"text":"So, basically, if anything really exciting pops up out of that, I'll run it by you as well if I think there's a good option there.","start":939.33997,"end":947.115,"sentiment":"neutral","sentiment_score":0.14433615339490083},{"text":"But I","start":947.115,"end":947.83496,"sentiment":"neutral","sentiment_score":0.0246711615473032}],"sentiment":"neutral","sentiment_score":0.10592091757932613,"channel":0,"num_words":58,"start":930.62,"end":947.83496},{"sentences":[{"text":"Yeah.","start":947.725,"end":947.965,"sentiment":"neutral","sentiment_score":0.0612526535987854}],"sentiment":"neutral","sentiment_score":0.0612526535987854,"channel":1,"num_words":1,"start":947.725,"end":947.965},{"sentences":[{"text":"definitely","start":947.83496,"end":948.235,"sentiment":"neutral","sentiment_score":0.08629110455513}],"sentiment":"neutral","sentiment_score":0.08629110455513,"channel":0,"num_words":1,"start":947.83496,"end":948.235},{"sentences":[{"text":"Definitely.","start":947.965,"end":948.465,"sentiment":"neutral","sentiment_score":0.04462559521198273}],"sentiment":"neutral","sentiment_score":0.04462559521198273,"channel":1,"num_words":1,"start":947.965,"end":948.465},{"sentences":[{"text":"don't wanna dive in into anything that's gonna get you know, you you start the process and the government changes the rules on you.","start":948.235,"end":954.95,"sentiment":"neutral","sentiment_score":-0.07338069658726454}],"sentiment":"neutral","sentiment_score":-0.07338069658726454,"channel":0,"num_words":24,"start":948.235,"end":954.95},{"sentences":[{"text":"Yeah.","start":954.765,"end":955.265,"sentiment":"neutral","sentiment_score":-0.002694305032491684}],"sentiment":"neutral","sentiment_score":-0.002694305032491684,"channel":1,"num_words":1,"start":954.765,"end":955.265},{"sentences":[{"text":"Don't","start":955.41,"end":955.64996,"sentiment":"neutral","sentiment_score":-0.015765415504574776}],"sentiment":"neutral","sentiment_score":-0.015765415504574776,"channel":0,"num_words":1,"start":955.41,"end":955.64996},{"sentences":[{"text":"Yeah.","start":955.485,"end":955.805,"sentiment":"neutral","sentiment_score":-0.013003602623939514}],"sentiment":"neutral","sentiment_score":-0.013003602623939514,"channel":1,"num_words":1,"start":955.485,"end":955.805},{"sentences":[{"text":"wanna","start":955.64996,"end":955.89,"sentiment":"neutral","sentiment_score":-0.01520601473748684}],"sentiment":"neutral","sentiment_score":-0.01520601473748684,"channel":0,"num_words":1,"start":955.64996,"end":955.89},{"sentences":[{"text":"Exactly.","start":955.805,"end":956.305,"sentiment":"neutral","sentiment_score":-0.015639018267393112}],"sentiment":"neutral","sentiment_score":-0.015639018267393112,"channel":1,"num_words":1,"start":955.805,"end":956.305},{"sentences":[{"text":"put you in anything where they can pull the rug out.","start":955.89,"end":957.99,"sentiment":"neutral","sentiment_score":-0.054922350428321144}],"sentiment":"neutral","sentiment_score":-0.054922350428321144,"channel":0,"num_words":11,"start":955.89,"end":957.99},{"sentences":[{"text":"Yeah.","start":958.445,"end":958.84503,"sentiment":"neutral","sentiment_score":0.08117040246725082},{"text":"Not a problem.","start":958.84503,"end":959.565,"sentiment":"neutral","sentiment_score":0.16984101136525473},{"text":"Yeah.","start":959.565,"end":959.805,"sentiment":"neutral","sentiment_score":0.25459516048431396},{"text":"That'd be that'd be great.","start":959.805,"end":961.265,"sentiment":"positive","sentiment_score":0.42212182879447935},{"text":"If you send anything, you know, looks good, then, yeah, definitely give us a call.","start":961.325,"end":965.65,"sentiment":"positive","sentiment_score":0.3402803957462311}],"sentiment":"neutral","sentiment_score":0.32240414708852766,"channel":1,"num_words":25,"start":958.445,"end":965.65},{"sentences":[{"text":"Cool.","start":966.77,"end":967.01,"sentiment":"positive","sentiment_score":0.5094379782676697},{"text":"Absolutely.","start":967.01,"end":967.51,"sentiment":"positive","sentiment_score":0.4785940051078797},{"text":"I'll put the notes on file so every time I catch up with you, I'll just kind of touch base.","start":968.475,"end":972.815,"sentiment":"neutral","sentiment_score":0.2853315010666847},{"text":"And I'll put in basically, I'm gonna put a flag in your account called the the NLI flag, which is like what we did with that contribution form.","start":973.755,"end":982.1,"sentiment":"neutral","sentiment_score":0.1967390701174736},{"text":"So come, like, end of May, early June, we'll give you a buzz, see how the contributions look, do a bit of a top up with you, and just go through that form with you.","start":982.63995,"end":993.62,"sentiment":"neutral","sentiment_score":0.17380708775350026}],"sentiment":"neutral","sentiment_score":0.21513651811024723,"channel":0,"num_words":85,"start":966.77,"end":993.62},{"sentences":[{"text":"Yeah.","start":993.91,"end":994.14996,"sentiment":"neutral","sentiment_score":0.12213178724050522}],"sentiment":"neutral","sentiment_score":0.12213178724050522,"channel":1,"num_words":1,"start":993.91,"end":994.14996},{"sentences":[{"text":"So you","start":993.92,"end":994.24,"sentiment":"neutral","sentiment_score":0.08514446765184402}],"sentiment":"neutral","sentiment_score":0.08514446765184402,"channel":0,"num_words":2,"start":993.92,"end":994.24},{"sentences":[{"text":"Yeah.","start":994.14996,"end":994.47,"sentiment":"neutral","sentiment_score":0.10234522074460985}],"sentiment":"neutral","sentiment_score":0.10234522074460985,"channel":1,"num_words":1,"start":994.14996,"end":994.47},{"sentences":[{"text":"should be","start":994.24,"end":994.56,"sentiment":"neutral","sentiment_score":0.08908134326338768}],"sentiment":"neutral","sentiment_score":0.08908134326338768,"channel":0,"num_words":2,"start":994.24,"end":994.56},{"sentences":[{"text":"That'd","start":994.47,"end":994.70996,"sentiment":"neutral","sentiment_score":0.19867126643657684}],"sentiment":"neutral","sentiment_score":0.19867126643657684,"channel":1,"num_words":1,"start":994.47,"end":994.70996},{"sentences":[{"text":"expecting","start":994.56,"end":994.95996,"sentiment":"neutral","sentiment_score":0.30102527141571045}],"sentiment":"neutral","sentiment_score":0.30102527141571045,"channel":0,"num_words":1,"start":994.56,"end":994.95996},{"sentences":[{"text":"be great.","start":994.70996,"end":995.37,"sentiment":"neutral","sentiment_score":0.31185607612133026}],"sentiment":"neutral","sentiment_score":0.31185607612133026,"channel":1,"num_words":2,"start":994.70996,"end":995.37},{"sentences":[{"text":"that kind of yearly yearly phone call.","start":994.95996,"end":997.925,"sentiment":"neutral","sentiment_score":0.2207610990319933}],"sentiment":"neutral","sentiment_score":0.2207610990319933,"channel":0,"num_words":7,"start":994.95996,"end":997.925},{"sentences":[{"text":"Yeah.","start":998.23,"end":998.47,"sentiment":"neutral","sentiment_score":0.21558836102485657},{"text":"That's yeah.","start":998.47,"end":999.19,"sentiment":"neutral","sentiment_score":0.32300014793872833},{"text":"That'd be great.","start":999.19,"end":1000.25,"sentiment":"positive","sentiment_score":0.5986724098523458}],"sentiment":"positive","sentiment_score":0.4429343144098918,"channel":1,"num_words":6,"start":998.23,"end":1000.25},{"sentences":[{"text":"Awesome.","start":1001.90497,"end":1002.40497,"sentiment":"neutral","sentiment_score":0.2677317261695862},{"text":"Alrighty, Dan.","start":1002.625,"end":1003.425,"sentiment":"positive","sentiment_score":0.5192385315895081},{"text":"Thank you so much for your time today, mate.","start":1003.425,"end":1005.365,"sentiment":"positive","sentiment_score":0.87120611137814},{"text":"And we will probably talk to you Tuesday, Wednesday, Thursday, but have a fantastic weekend.","start":1005.985,"end":1011.38,"sentiment":"positive","sentiment_score":0.6122512956460316}],"sentiment":"positive","sentiment_score":0.678919749127494,"channel":0,"num_words":27,"start":1001.90497,"end":1011.38},{"sentences":[{"text":"Good evening.","start":1011.84503,"end":1012.325,"sentiment":"positive","sentiment_score":0.7713918089866638},{"text":"You too, mate.","start":1012.325,"end":1012.965,"sentiment":"positive","sentiment_score":0.7012985746065775},{"text":"Have a good one.","start":1012.965,"end":1013.945,"sentiment":"positive","sentiment_score":0.723695918917656}],"sentiment":"positive","sentiment_score":0.7268292241626315,"channel":1,"num_words":9,"start":1011.84503,"end":1013.945},{"sentences":[{"text":"You too.","start":1015.2,"end":1015.76,"sentiment":"positive","sentiment_score":0.5381366908550262},{"text":"Cheers.","start":1015.76,"end":1016.26,"sentiment":"neutral","sentiment_score":-0.10993380099534988}],"sentiment":"neutral","sentiment_score":0.32211319357156754,"channel":0,"num_words":3,"start":1015.2,"end":1016.26}]},"summary":{"result":"success","short":"A senior adviser from an investment company called Dane discusses a new strategy with Tommy, including a retirement plan and growth risk profile. The retirement plan is to avoid capital gains and avoid switching to a new insurance policy. The speaker advises changing contributions and avoiding workers' hourly contributions, and suggests keeping the salary sacrificing and top-up contributions inside an offset account and double waiving interest. They recommend keeping top-up contributions to avoid tipping over and offer a potential new provider for insurance. The speaker recommends a top-up of income protection to increase premiums by 600 a year, and discusses options for the customer's property. They book an appointment for Tuesday, Wednesday, Thursday, and Friday next week and provide a form for updating the customer."},"intents":{"segments":[{"text":"For today, I've got this updated strategy to send through to you. Will you be able to Yep. look on to the email with me, or should I just kinda walk you through it?","start_word":117,"end_word":150,"intents":[{"intent":"Review strategy","confidence_score":0.0015898199}]},{"text":"Will you be able to Yep. look on to the email with me, or should I just kinda walk you through it?","start_word":129,"end_word":150,"intents":[{"intent":"Look through email","confidence_score":0.008469631}]},{"text":"I just get your date of birth and address? Yep.","start_word":226,"end_word":235,"intents":[{"intent":"Provide information","confidence_score":0.20352633},{"intent":"Provide information","confidence_score":0.43695912}]},{"text":"And, obviously, registered with Asic as Adviser 1273105.","start_word":257,"end_word":264,"intents":[{"intent":"Register with asic","confidence_score":0.25525397}]},{"text":"And are you okay for the call to be Yep. recorded?","start_word":265,"end_word":275,"intents":[{"intent":"Record call","confidence_score":0.005754189}]},{"text":"got an insurance quote for the income protection and Yep.","start_word":318,"end_word":327,"intents":[{"intent":"Provide quotes","confidence_score":0.0024116687}]},{"text":"We were talking about just reviewing the investments inside the super and a little bit of a review on topping up the income protection, if that rings a bell.","start_word":378,"end_word":406,"intents":[{"intent":"Review investments","confidence_score":0.100680225},{"intent":"Review investment contributions","confidence_score":0.01975638}]},{"text":"We were talking about just reviewing the investments inside the super and a little bit of a review on topping up the income protection, if that rings a bell. Yep. Cool.","start_word":378,"end_word":408,"intents":[{"intent":"Discuss investment plans","confidence_score":0.02040274}]},{"text":"We did have a look at the contribution too and a couple of reminders there just in terms of just, like, planning, just to make sure get a will and power of attorney and all that kind of thing put in place. But there's no advice in here about trauma insurance or anything to do with cash flow or debt management because you're kind of handling all that yourself in terms of savings and renos and things like that. Yep.","start_word":409,"end_word":488,"intents":[{"intent":"Manage investments","confidence_score":0.005934977}]},{"text":"Now when I look at the figures there, so what you'll see, you'll see a fee comparison table. We managed to kind of drop the investment fees by about 20% and then bump the returns up from an average five year return from about eight and a half to about 10 and a half, which is kind of above that nine benchmark that we're aiming for. Yep.","start_word":533,"end_word":599,"intents":[{"intent":"Provide cost comparison","confidence_score":0.00061834994}]},{"text":"We managed to kind of drop the investment fees by about 20% and then bump the returns up from an average five year return from about eight and a half to about 10 and a half, which is kind of above that nine benchmark that we're aiming for. Yep.","start_word":551,"end_word":599,"intents":[{"intent":"Discuss investment fees","confidence_score":0.21416137}]},{"text":"Obviously, take that with a grain of salt because the market goes up and down like a yoyo, but you should be about a $100 better off from the investment switch. Yep.","start_word":657,"end_word":688,"intents":[{"intent":"Discuss market","confidence_score":0.0006390106},{"intent":"Consider investment switch","confidence_score":0.04047274}]},{"text":"Outside of that, so in terms of the main switches, I have decided to switch out a a number of investments just because the when the government brought in that legislation to capital gains Yep. and negative gearing, it caused a lot of property companies to kind of start tanking.","start_word":691,"end_word":740,"intents":[{"intent":"Switch investments","confidence_score":0.85336953}]},{"text":"And I I just wanna get you away from that investment as well with that spent long month that we were switching Yep. out for you already. Yeah.","start_word":740,"end_word":767,"intents":[{"intent":"Disconnect from investment","confidence_score":0.027957728}]},{"text":"Redeployed some of the cash. The asset allocation basically remains the same. You'll be going from about 80% growth assets to about 82. Again, you wanna be aiming between eighty and ninety for your, like, return index level, if that makes sense. Okay.","start_word":775,"end_word":817,"intents":[{"intent":"Reduce cash","confidence_score":0.03400321}]},{"text":"Again, you wanna be aiming between eighty and ninety for your, like, return index level, if that makes sense. Okay.","start_word":798,"end_word":817,"intents":[{"intent":"Discuss contribution level","confidence_score":0.0034428793}]},{"text":"Now in terms of the the contribution side of things, so remember how we were talking about trying to get maximum sort of contributions in there with a new $32,500 cap? Does that ring a Yep. bell? Yeah.","start_word":818,"end_word":855,"intents":[{"intent":"Check contribution amount","confidence_score":0.0014993937}]},{"text":"One of the things I I wanna kind of run by you, and this is my my advice and suggestion, is Yep. I wanna change how we're doing the contributions a bit because when I go through the transaction history, your workers switch to what seems to be, like, weekly contribution. Yeah. They Do you yeah.","start_word":857,"end_word":912,"intents":[{"intent":"Coordinate transactions","confidence_score":0.00095016026},{"intent":"Compare contributions","confidence_score":0.0077659097}]},{"text":"I wanna change how we're doing the contributions a bit because when I go through the transaction history, your workers switch to what seems to be, like, weekly contribution. Yeah. They Do you yeah.","start_word":879,"end_word":912,"intents":[{"intent":"Change contribution rates","confidence_score":0.0014599985}]},{"text":"And what that's pretty much gonna do is the $2.50 a week now they've got the salary sacrifice. That's probably gonna tip you over accidentally if we keep that going. Yep.","start_word":1049,"end_word":1079,"intents":[{"intent":"Reduce salary sacrifice","confidence_score":0.0005018922}]},{"text":"recommended is just to top up your income protection back up in line with what it should be. So instead Yep. of 8,900 a month of cover, top it up to 10,000. And that's only gonna bump up the premiums by about 600 a year to get that full sort of 70%. Okay.","start_word":1383,"end_word":1435,"intents":[{"intent":"Promote income protection","confidence_score":0.013780876}]},{"text":"if it comes time where 12 time, the duty has changed a bit and we can match the health criteria, I basically wanna pull the trigger on that straight away. Yeah. Kinda.","start_word":1785,"end_word":1816,"intents":[{"intent":"Change appointment dates","confidence_score":0.000063927386}]},{"text":"if it comes time where 12 time, the duty has changed a bit and we can match the health criteria, I basically wanna pull the trigger on that straight away. Yeah. Kinda. Yes.","start_word":1785,"end_word":1817,"intents":[{"intent":"Confirm health criteria","confidence_score":0.009196029}]},{"text":"So I included a quote to sign off on with the statement of advice, and Yep. then I basically just need to get you booked in with Jack to go through Okay.","start_word":1883,"end_word":1914,"intents":[{"intent":"Book appointment","confidence_score":0.085777126}]},{"text":"I've sent away for an updated one to just keep refreshing it every thirty days because it expires. This one expires Yep. on the September 24, which is Thursday after next, but I will Yep. have another one received by that point. So, basically, any dates or times that kind of work for you will have one, like, refreshed and ready to go.","start_word":1946,"end_word":2008,"intents":[{"intent":"Refresh application form","confidence_score":0.015919272}]},{"text":"Do you want me to kind of book something in now or just get the team to sort of reach out next week and and see a traveler?","start_word":2013,"end_word":2040,"intents":[{"intent":"Reach out to traveler","confidence_score":0.0025134597}]},{"text":"Usually, I wake up about twelve, 01:00, and I'll go to dinner in about or go have some night about four 04:00. So anytime from one till four from Tuesday, Wednesday, Thursday, Friday next week if you wanna do it.","start_word":2065,"end_word":2104,"intents":[{"intent":"Schedule meeting","confidence_score":0.4596173}]},{"text":"we've just been discussing as a group kind of what options are left on the table these days between, you know, commercial property, unit trust, and a few other things.","start_word":2465,"end_word":2494,"intents":[{"intent":"Discuss options","confidence_score":0.5235716}]},{"text":"So, basically, if anything really exciting pops up out of that, I'll run it by you as well if I think there's a good option there. But I Yeah.","start_word":2495,"end_word":2523,"intents":[{"intent":"Run by broker","confidence_score":0.05192028}]},{"text":"don't wanna dive in into anything that's gonna get you know, you you start the process and the government changes the rules on you. Yeah.","start_word":2526,"end_word":2550,"intents":[{"intent":"Discuss process","confidence_score":0.0094354125}]},{"text":"That'd be that'd be great. If you send anything, you know, looks good, then, yeah, definitely give us a call. Cool.","start_word":2571,"end_word":2591,"intents":[{"intent":"Arrange call","confidence_score":0.0048211473}]},{"text":"If you send anything, you know, looks good, then, yeah, definitely give us a call. Cool.","start_word":2576,"end_word":2591,"intents":[{"intent":"Request call","confidence_score":0.021828456}]},{"text":"I'll put the notes on file so every time I catch up with you, I'll just kind of touch base.","start_word":2593,"end_word":2612,"intents":[{"intent":"Make note","confidence_score":0.001310773}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Dane. Tommy here, senior adviser from. How you been? Hi, Tommy.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2036428451538086},{"text":"How are we, mate? I'm living the dream. Happy Friday to you, sir.","start_word":14,"end_word":26,"sentiment":"positive","sentiment_score":0.5469943284988403},{"text":"Yeah. You too. Sorry about last week. I was I was waiting for a message because they said they were gonna message me before the day before and nothing came, and then I was I was busy traveling from work. And I completely No. forgot. That's alright. We we had a bit of IT issues. It was kind of like on and off, so some of the messages weren't going through. So but if you Okay. were traveling, I understand completely. Yeah. Yeah. Sorry about that. No. You're all good. For today, I've got this updated strategy to send through to you. Will you be able to Yep. look on to the email with me, or should I just kinda walk you through it? You could just walk us through it. I'm sorta I was driving before, so I'm still but, yeah, no. You can just walk us through it. I'll just look at the email later on if if that's alright. Yeah. That's totally fine. Before I dive into it, so I'll send it through now just so you've got it there, and I'll just go through a quick security check with you. Yeah. Not a Can problem. I just get your date of birth and address? Yep. Address 28 Riverley Waters Drive, Lorraine 4211, birth code, and 02/15/1989 for the date of birth. Sensational.","start_word":27,"end_word":252,"sentiment":"neutral","sentiment_score":0.010498285293579102},{"text":"Thank you very much.","start_word":253,"end_word":256,"sentiment":"positive","sentiment_score":0.4160996377468109},{"text":"And, obviously, registered with Asic as Adviser 1273105. And are you okay for the call to be Yep. recorded? Beautiful. So when you get that email, it'll come up with about six documents. The first one will be the statement of advice itself. Will have an appendix with some additional research attached and just Yep. links to the investment. We've Yep. got an insurance quote for the income protection and Yep. also just some updated product documents for the funds. They've updated their PDF and investment menu and everything, and so we just wanted to send that through to your records. Got it. Now in terms of, I guess, the starting point is the scope of the advice the document covers. We were talking about just reviewing the investments inside the super and a little bit of a review on topping up the income protection, if that rings a bell.","start_word":257,"end_word":406,"sentiment":"neutral","sentiment_score":0.13121901209155715},{"text":"Yep. Cool.","start_word":407,"end_word":408,"sentiment":"positive","sentiment_score":0.45324650406837463},{"text":"We did have a look at the contribution too and a couple of reminders there just in terms of just, like, planning, just to make sure get a will and power of attorney and all that kind of thing put in place. But there's no advice in here about trauma insurance or anything to do with cash flow or debt management because you're kind of handling all that yourself in terms of savings and renos and things like that.","start_word":409,"end_word":487,"sentiment":"neutral","sentiment_score":0.09306928515434264},{"text":"Yep. Beautiful.","start_word":488,"end_word":489,"sentiment":"positive","sentiment_score":0.4580725133419037},{"text":"First thing I'd like to sort of start with, so we've got all your details in there, assets, liabilities, goals, and everything. We're sticking to that growth risk profile, like we've said last time, just and ensure enough on the underlying investment. Yep. Now when I look at the figures there, so what you'll see, you'll see a fee comparison table.","start_word":490,"end_word":550,"sentiment":"neutral","sentiment_score":0.22949336469173431},{"text":"We managed to kind of drop the investment fees by about 20% and then bump the returns up from an average five year return from about eight and a half to about 10 and a half, which is kind of above that nine benchmark that we're aiming for.","start_word":551,"end_word":598,"sentiment":"positive","sentiment_score":0.3835410177707672},{"text":"Yep. Now there's no capital gains tax for the slipper to pay because all the investments kind of even each other out when we switch them around. And I have included in there the insurance premium just for the updated projections as well. We're looking at round figures going from about 600,000 in ten years to about $7.35. Obviously, take that with a grain of salt because the market goes up and down like a yoyo, but you should be about a $100 better off from the investment switch. Yep. Swipe. Outside of that, so in terms of the main switches, I have decided to switch out a a number of investments just because the when the government brought in that legislation to capital gains Yep.","start_word":599,"end_word":724,"sentiment":"neutral","sentiment_score":0.049475585420926414},{"text":"and negative gearing, it caused a lot of property companies to kind of start tanking.","start_word":725,"end_word":739,"sentiment":"negative","sentiment_score":-0.5282192230224609},{"text":"And I I just wanna get you away from that investment as well with that spent long month that we were switching Yep. out for you already. Yeah. Okay. There's a couple of switching there. Redeployed some of the cash. The asset allocation basically remains the same. You'll be going from about 80% growth assets to about 82. Again, you wanna be aiming between eighty and ninety for your, like, return index level, if that makes sense. Okay. Now in terms of the the contribution side of things, so remember how we were talking about trying to get maximum sort of contributions in there with a new $32,500 cap? Does that ring a Yep. bell? Yeah. Yeah. One of the things I I wanna kind of run by you, and this is my my advice and suggestion, is Yep. I wanna change how we're doing the contributions a bit because when I go through the transaction history, your workers switch to what seems to be, like, weekly contribution. Yeah. They Do you yeah. get paid They used weekly? to do monthly. It used to be one just big monthly one. Yeah. They started doing Yeah. Now that's normally all fine because the those new legislation that super contributions have to be in line with the Yes. pay cycle, which is usually fine. But they've had it a whole lot come in from the tax office, like little catch up contributions towards the end of the year in April. There's about 12 of those, little small amounts that came in. In addition to that, some of the month, they're fluctuating between $250 and 620. And last month, five contributions came in, two on the eleventh, one on the seventeenth, twenty fourth, and thirty first. So Yep. it seems to be just going a bit all over the shop. Yep. And what that's pretty much gonna do is the $2.50 a week now they've got the salary sacrifice.","start_word":740,"end_word":1065,"sentiment":"neutral","sentiment_score":0.036681086647729934},{"text":"That's probably gonna tip you over accidentally if we keep that going.","start_word":1066,"end_word":1077,"sentiment":"negative","sentiment_score":-0.4940432906150818},{"text":"Yep. Okay. So what I think you should do instead is just do what my my father-in-law does out in the line is keep all of the instead of salary sacrificing, keep it inside, like, an offset account, offset mortgage, and things like that. And then when it Yep. comes to June, just do a top up contribution so you get both the interest offset for the whole year and the tax deduction double waived. Okay then. Yep. Does that make sense? Yeah. Yeah. Yeah. So don't do anything and then just yeah. Sorta like what we did this year with the with the 50,000. Yes. Is that Yes. is that what you're trying to say? Yeah. Similar method. So basically, keep it to yourself.","start_word":1078,"end_word":1202,"sentiment":"neutral","sentiment_score":0.16067121922969818},{"text":"Let let you save on the interest on a weekly basis. Get a whole Yep.","start_word":1203,"end_word":1217,"sentiment":"positive","sentiment_score":0.372345358133316},{"text":"year out of it, and then just chuck in Yep. that couple of grand top up so you don't tip over. Yeah. Okay. Yes.","start_word":1218,"end_word":1241,"sentiment":"neutral","sentiment_score":0.2492152899503708},{"text":"And Right. that way, you get the benefit of both, which is better, and then there's no risk of random additional taxes coming out because of the frequency and the fluctuating amount.","start_word":1242,"end_word":1273,"sentiment":"positive","sentiment_score":0.4032764434814453},{"text":"Yeah. I got them. Yep. Cool. So I've Yeah. included that in there. Again, it's just a a note of this booking the payroll, Yep. but I'm basically saying, yes. Stop the sales tax. Pop it up later. So that's kind of the super side of things. Tune up the portfolio, switch how we do the Any questions on on those two? No.","start_word":1274,"end_word":1336,"sentiment":"neutral","sentiment_score":0.1513007879257202},{"text":"No.","start_word":1337,"end_word":1337,"sentiment":"negative","sentiment_score":-0.3989608585834503},{"text":"Cool. For the insurance side of things, so I did a bit of a hunt around for some providers. I did find one provider which can possibly get you to the cheaper premium, but I haven't recommended it this year. What I've actually Yep.","start_word":1338,"end_word":1381,"sentiment":"neutral","sentiment_score":-0.24039435386657715},{"text":"recommended is just to top up your income protection back up in line with what it should be.","start_word":1382,"end_word":1399,"sentiment":"positive","sentiment_score":0.34330442547798157},{"text":"So instead Yep.","start_word":1400,"end_word":1402,"sentiment":"neutral","sentiment_score":0.3019549548625946},{"text":"of 8,900 a month of cover, top it up to 10,000. And that's only gonna bump up the premiums by about 600 a year to get that full sort of 70%.","start_word":1403,"end_word":1433,"sentiment":"positive","sentiment_score":0.3952368199825287},{"text":"Okay. Yep. What we can do possibly down the line is just in terms of another provider here in MetLife. They offer sliding discounts, which if we can match a health criteria, they can pretty much drop it a couple of thousand dollars, but it's incumbent on a couple of things. So I need to check with you just in terms of the the type of employee you've got. Do you do anything kind of underground? We do. Yeah. Sometimes. Like, yeah, we so, yeah, I work in concrete, but, like, sometimes, I mean, I just take the underground to deliver the concrete because we're doing tunnel tunnel work. Yep. Deliver the tunnel. Do you know approximate depth you might go to was a bit of a maximum range? Could be anything. I know I know where we go a few kilometers in, but I don't know the actual depth. Yep. It'd be a lot like Yeah. I get you a few pages. like, I can tell you how far yeah. Like, it's a few kilometers in, but, yeah, I don't know the hot you know, how deep we go down. But it would be Oh, a perfect. few 100 Because basically meters what at least. they were saying, Yeah. 200 meters, they were basically saying if you're ever doing anything that's purely above ground, they can give you a better occupation rating, and then they also offer, like, BMI based discounts. So if you're under a hundred kilos, they give you a standard rate. That's a couple of grand below one one part. And then if Yep. you go below 90 kilos, they'll give you a percentage discount on that.","start_word":1434,"end_word":1714,"sentiment":"neutral","sentiment_score":0.04868920519948006},{"text":"And so it's the combination of if you're above ground and hit the BMI figures, we could save a good quarter to a third of the premium down the line.","start_word":1715,"end_word":1744,"sentiment":"positive","sentiment_score":0.3425632119178772},{"text":"Okay then. Yeah. Okay. So I'm basically just I've got that in the appendix research just because I wanna keep an eye on it. It's Yep. basically just supposed just one part in that life at this point. And Yep. if it comes time where 12 time, the duty has changed a bit and we can match the health criteria, I basically wanna pull the trigger on that straight away. Yeah. Kinda. Yes. What? So For the time being, we'll keep on past just a little bit of a top up of the IP income Yep. protection. And then next review, I'll wait to just go over that again with you and see what it's Yeah.","start_word":1745,"end_word":1860,"sentiment":"neutral","sentiment_score":0.13264068961143494},{"text":"It's too easy. looking like. Beautiful.","start_word":1861,"end_word":1866,"sentiment":"positive","sentiment_score":0.4040719866752625},{"text":"Basically, because of top ups and increases, we do have to apply for the increase. Yep. So I included a quote to sign off on with the statement of advice, and Yep. then I basically just need to get you booked in with Jack to go through Okay. the application form when you do have some time. I've got they do have an expiry on it, but I've got we we did a bit of an updated one. Yep. I've sent away for an updated one to just keep refreshing it every thirty days because it expires. This one expires Yep. on the September 24, which is Thursday after next, but I will Yep. have another one received by that point. So, basically, any dates or times that kind of work for you will have one, like, refreshed and ready to go. Yeah. Kinda. Just wait. Do you want me to kind of book something in now or just get the team to sort of reach out next week and and see a traveler? Well yeah. Because from Monday, I'll be back to work, but I'm on night shift. So so I I can do any time. Usually, I wake up about twelve, 01:00, and I'll go to dinner in about or go have some night about four 04:00. So anytime from one till four from Tuesday, Wednesday, Thursday, Friday next week if you wanna do it. Then Yep. or anytime like that. Yeah.","start_word":1867,"end_word":2110,"sentiment":"neutral","sentiment_score":0.11338470506741376},{"text":"Cool.","start_word":2111,"end_word":2111,"sentiment":"positive","sentiment_score":0.5422539710998535},{"text":"I'll put in a bit of a tentative one. And then if we need to, I'll just get Jack to kind of bump it along on Yeah. the days if it's so. Let me Yeah. have a Because yeah. Because I'm at work till the twenty fourth. So so that's when I find a home on the twenty fourth. So, yeah, anytime quick from Monday onwards. look there.","start_word":2112,"end_word":2179,"sentiment":"neutral","sentiment_score":0.11540654301643372},{"text":"Perfect.","start_word":2180,"end_word":2180,"sentiment":"positive","sentiment_score":0.6137622594833374},{"text":"So what I might do is I'll put a bit of a rolling one in for about 2PM on Tuesday, Wednesday, Thursday, and then Yep. I'll basically just get the guys to give you a buzz at that time each day. And if it lines up, he can basically just spend that fifteen minutes, update Yep. some That's some health info, occupational fine. info. Yep.","start_word":2181,"end_word":2245,"sentiment":"neutral","sentiment_score":0.11450541764497756},{"text":"That's not a problem. Beautiful.","start_word":2246,"end_word":2250,"sentiment":"positive","sentiment_score":0.4119885861873626},{"text":"Again, if there's anything different from the original application, like health wise, they may come back with, you know, loadings and exclusions and price changes and that kind of thing. So just see how you go with it. If it becomes too difficult, just let us know. If it's Yep. a good outcome, we'll basically just submit it if there's no changes. If there is anything flagged, they'll probably just book you back in with me to have a quick chat.","start_word":2251,"end_word":2331,"sentiment":"neutral","sentiment_score":0.08072230219841003},{"text":"Okay. Beautiful. Alright. So I'll send all that off to you. That's all ready to go, and I've put in that sort of rolling booking for Tuesday, Wednesday, Thursday.","start_word":2332,"end_word":2360,"sentiment":"positive","sentiment_score":0.4839625060558319},{"text":"Anything else you can think of that I can help out with? No. Not really. No.","start_word":2361,"end_word":2376,"sentiment":"neutral","sentiment_score":0.03342316299676895},{"text":"There wasn't as I said before, the only thing that I I don't like I was gonna do was the suit the investment property in suitors, but that's gone out the window.","start_word":2377,"end_word":2408,"sentiment":"negative","sentiment_score":-0.33634260296821594},{"text":"So I've got nothing really else. The SMSF, that's that was the only thing we're really gonna I was gonna look into. But now that that's how it's gone, there's not much else, to be honest. And in that space too, so I've been meeting up with all the brokers that we talked to, and Yep. we've just been discussing as a group kind of what options are left on the table these days between, you know, commercial property, unit trust, and a few other things. So, basically, if anything really exciting pops up out of that, I'll run it by you as well if I think there's a good option there. But I Yeah. definitely Definitely. don't wanna dive in into anything that's gonna get you know, you you start the process and the government changes the rules on you. Yeah. Don't Yeah. wanna Exactly. put you in anything where they can pull the rug out. Yeah. Not a problem. Yeah.","start_word":2409,"end_word":2570,"sentiment":"neutral","sentiment_score":0.011213130317628384},{"text":"That'd be that'd be great. If you send anything, you know, looks good, then, yeah, definitely give us a call. Cool. Absolutely.","start_word":2571,"end_word":2592,"sentiment":"positive","sentiment_score":0.38137784600257874},{"text":"I'll put the notes on file so every time I catch up with you, I'll just kind of touch base. And I'll put in basically, I'm gonna put a flag in your account called the the NLI flag, which is like what we did with that contribution form. So come, like, end of May, early June, we'll give you a buzz, see how the contributions look, do a bit of a top up with you, and just go through that form with you. Yeah. So you Yeah. should be That'd expecting be great. that kind of yearly yearly phone call. Yeah. That's yeah.","start_word":2593,"end_word":2695,"sentiment":"neutral","sentiment_score":0.2116074562072754},{"text":"That'd be great. Awesome. Alrighty, Dan. Thank you so much for your time today, mate. And we will probably talk to you Tuesday, Wednesday, Thursday, but have a fantastic weekend. Good evening. You too, mate. Have a good one. You too. Cheers.","start_word":2696,"end_word":2737,"sentiment":"positive","sentiment_score":0.665875046026139}],"average":{"sentiment":"neutral","sentiment_score":0.11170197546941436}}}}