{"metadata":{"transaction_key":"deprecated","request_id":"019f3574-d1e7-77c0-88ba-3af12f7e0b54","sha256":"f61a8d8c7489c662e62c334c979517ed5bf6bb8627c81a47807b3be5dc1e5599","created":"2026-07-06T03:24:38.221Z","duration":1351.872,"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":5109,"output_tokens":105},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5720,"output_tokens":5732},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5720,"output_tokens":598}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Barbara. It's Tommy here, senior adviser of Oakview. How are you doing today? I'm doing fantastic. It's a very cool, chill day on the Gold Coast. What about your end? Great to hear. Great to hear. I've got you booked in to go through a bit of an annual review. Do you still have time for me? Perfect. I'm just gonna go through a quick security check with you, and I've got an email pack to send through to you for your review. Will you be able to look onto the emails with me today, or should I just kind of walk you through what's coming? Yep. No worries at all. Barbara, I'm registered with adviser one two seven three one zero five. Could I please confirm your date of birth and address? Perfect. And are you okay for the call to be recorded? Sensational. So I've got your asBobWoods1@Hotmail.com. Is that still okay for documentation? Awesome. So I'll pop that through to you now. Now for the review today, I've got some updated information on the super certificate of currency for your insurances coming through and just some updated financial services guide with Oakview. Now is there anything in particular that you wanna focus on for this year's review? Perfect. Just a bit of a general update. And I did have a bit of a note there that you were trying to look at some super for your daughter, I believe, going through early employment. Amazing. Yeah. That's a pretty good pretty good idea. Normally, for people's first job, first super, it's really good to get that kind of low fee industry fund to start with to build up their first 50 to 80,000. And it just means that they've got a bit of a chance for those early contributions to actually grow before they do anything fancy after that. Perfect. Now I'm just having a quick look about some of these details I need to update on our new system, Bob. But goals wise, I do have here that we're looking to try and retire as early as possible towards age 60, which is when you can access your super. Does that still sound correct? Yeah. Absolutely. And then whether we have to kind of delay things for a year or two, we'll just wait until we've got enough funds there or even go part time. There's always options to slow things down as well. Now one of the things that I found interesting there was that we're trying to retire with as much as possible, but there was an early goal when you came on board that your partner might not have very much in super, and you guys wanna kind of rely on your funds. Does that still sound to be a priority for you guys? Cool. So whenever I do any retirement analysis, we'll try and factor in as much as we can how to get yours into a position to fund for the both of you. Now assets and liabilities wise, we did have, like, a a main resonance valued at about a million dollars with just under 500,000 owing on the mortgage. Has that changed a lot? Perfect. So would you say that kind of the main focus is get that paid off as much as possible and then retire with, you know, the mortgage paid off in the super combined, or what would you think? Yep. And last time we checked, you did have a car and a truck and about 50,000 in savings, liquid cash. Is that pretty close to the mark as well? Yep. Yeah. You're doing some renovations. And is that all finished now? Would you start a few more things to do around the place? Gotcha. Gotcha. How much do you think that's gonna end up costing? I know materials have gone up a bit. Amazing. Yeah. Perfect. Thank you for that. And the last two details I wanted to update with you is just in terms of the two trucks. Would you have a combined resale value on the top of your head there? I think the first truck was about 20,000. Yep. And in terms of the savings, how much has that gone down to in terms of emergency fund for you guys from the Yep. Yeah. That paints a good picture, so you've got to kind of build it back up a little bit. Okay. And with the savings, are you able to put aside, like, a set amount every week to go towards building the savings, or how's the budgeting going? Yep. Yeah. Yep. Perfect. Perfect. So settle into the position, build up the savings again. And, Bob, I wanted to update too in terms of the occupation there. We had you earning about 60,000 as a bit of an admin officer. Has your role changed very much? Perfect. Who's that for again in terms of employer? That's what I was noticing because there's two different contributions coming through. The government's a bit higher. Yep. And that's Wares Creek preschool, not for profit. Now just quickly, in terms of your income, are they pretty well equally weighted? Like, is it fifty fifty between where you get the income from, or is one a bit more than the other? Gotcha. Okay. Profit. Perfect. That's what I needed. And in terms of family, we just had you obviously married with two dependent children at the time. Amazing. And you didn't end up getting a, like, a will or a power of attorney in place? I can imagine. Absolutely. It's just everyone's just trying to get by at the moment. No. That's fine. I just wanted to check with you today if you wanted me to send through some forms for your super beneficiary to get that updated on Hub since remember we changed you over from Netwealth to Hub. I think we still needed to list somebody on the super there if it would be easy for me to kind of put together some prefilled forms for you just to make it a bit easier. When it comes to the beneficiary nominations of who it goes to, is it just going to your partner? Or yeah. And that's the thing is when you nominate someone 18, whoever becomes their guardian kind of controls the funds on their behalf as well. Hey, Bob. Do you have a preference between in terms of the nominations, you can make it that it expires every three years to kind of force people to check them, or you can make it continuous, which is a non lapsing. It doesn't change unless you decide to change it. Yeah. Yep. That's good. Bit of a refresher. Absolutely. And yeah. Amazing. And we'll obviously bring it up during the reviews as well just to make sure that you're still happy with it. And if there's any changes that need to be done, You can make it legally binding so the super fund has to do it, or it's a bit of a strange question, but you can make it non legally binding so the super fund has a bit of discretion there. Do you have a preference between those? I know it's a bit of a silly question. Yeah. Yeah. In that way, there's no issues when it goes through the legal system. It's pretty straightforward. So what I'll do is I'll get those details in there. Would it be easier for you to because normally with those beneficiaries, we send them out. You can either get them via email and print them, or we can just post them out to you with a return envelope. What would be easier? Yep. You can get lost in the day to day. Yeah. And with those forms too, do you want me to add your partner's details on the forms for you, like, refilled it, or are you happy to add those in? Perfect. We'll always send you, like, a bit of an instruction cover letter anyway just to make sure you get people to witness it and that kind of thing. But if you have any questions, just call the team, and they can walk you through it in two seconds flat. Perfect. Now just swinging over to the super there for that update. Have you been logging in to Hub to have a look every now and then or just waiting for the reviews? Yep. Now there's a few changes that have happened. So I wanna just kind of paint the picture a little bit because the market's obviously been going a bit crazy since the war broke out and everything, but you had some changes where Dana switched you from Netwealth to Hub, got you a bit of an updated portfolio. Does that ring a bell? Yep. So the change from Netwealth to Hub, that's definitely been a good move for you. The fees have been a lot lower in terms of the admin fees and the investment fees. That's really good. And when I was looking at the portfolio that you were in, given everything that's happened in the market, it would have been a bit negative had you stayed in it. But the one that she's put you in, it's kind of bounced up into the positive for the year. That's six or 7% in growth on top of your contributions. Now that's a tiny bit below the benchmark that we want long term because, obviously, every seven years, the market grows and then it crashes because of the world events. We don't wanna be under 10% for more than maybe one or two years per seven. Does that make sense? So one of the things that she did was she reduced your allocation to a fund called Benelon, which that's been the only one that's been negatively performing. The rest of them have all been pretty well in the double digits. Very, very strong growth across all other seven options. But that been a long one, that one's been dragging its feet a little bit. You used to have 30% in there. Now you've got 10, which is really good because your other option that you put in has actually grown twice as much. Okay? I'm gonna put a flag on that one, though, because if that doesn't pick up its feet by the end of the year, I probably would like to switch it out for a different option potentially. Okay? At this point, though, what I really wanted to check with you, Barb, is you're trying to grow your super to fund for both of you guys, but your preservation age is in nine years. And, normally, high growth, you wanna have about nine to ten years under your belt because of those market movements. You don't wanna be a day from retirement in high risk, and then you lose half your super. Do you know what I So what I wanted to check with you is because we're still focused so much on growth right now, are you okay with that roller coaster ride for it to be going up and down so much to get that growth and then protect it later, or should we be talking about reducing the risk a little bit? So the way that usually plays out is, let's say, in the next nine years, you're expecting seven years where the market grows, two years where the market goes down. If that happens this year, next year, that's actually kind of a good thing because we can use it as a buying opportunity to kind of buy into all of the shares and property gold when they go down. We don't want that to happen when you're three years from retirement. So, yeah, it's gonna be a little bit of, like, a hold on to your harness in the roller coaster because what we're basically doing is we need to get you enough growth to fund the retirement. But then what we normally do is in those last seven years, we slowly reduce your risk level down, like, once every three years. So instead of 90% shares in property, we go eighty, seventy, sixty, fifty, forty, and just kinda gradually step you down in the lead up, if that makes sense. So what we're gonna be doing every year is we're gonna do pretty close review where if you've gotten a really strong year, then we might reduce your risk level down. If it's dropped a little bit, we're gonna wait for the growth to occur. Is that okay for you? That's what I'm thinking because we don't wanna just call it quits too early because this is where you make that last little bit of growth. Yeah. So are you okay to if we need to go 62 just so we've got the extra couple of years to get the growth out of it? Perfect. Perfect. So, yeah, just to be able to have the freedom to slow down when you've got enough there. Yeah. Yep. I'm with you. So our main focus at the moment will be just keeping a very close eye on the portfolio. And then every review, just talking to you about when we slowly reduce the risk down, we're gonna kind of time it each year with you. Okay? So I'm not gonna change super funds now. We're not gonna really I'll put a flag on that option for the end of the year, and we'll just kind of keep trying to get that growth out of it. The other thing too is just in terms of fees, you do have the life and TPD insurance coming out of the super as well. That 250,000 worth of life and disability insurance. Does that ring a bell? Now this one's not too bad. Normally, I'd expect it to be a little bit more, but it's sitting at $662. Last time I checked it, I think it was 500. So it hasn't jumped up astronomically. It hasn't doubled to a thousand dollars or anything like that. But I do just wanna check it with you because, obviously, that will chop off half of the mortgage. Is that too little in terms of insurance? Is that too much? Are you do you still value them? Yeah. There's no point, like, trying to change providers if they can't give you that replacement cover, so we've got to kind of keep the Ascender one. Yeah. And that'll make it trickier to increase as well. Like, if we were trying to make it higher to cover the full mortgage, they probably wouldn't do that increase either. Yep. So for now, let's just sort of keep it going as long as it becomes affordable. And then if it becomes unaffordable, we'll talk about when we start to trim it down. Okay. Perfect. Perfect. Alright. So I'll put another little flag on there just to make sure that every time you get that anniversary, we'll keep an eye on those premiums there. Because once you hit the the fifties, it can go up quite quickly. And I've seen some people where, you know, a thousand dollars becomes $8,000 in a matter of five or six years. So Premium is going up. Yeah. See, that's where I wanna be a little bit different with Oakview. We wanna keep an eye on this because while it's nice to have that there to cover as much of the mortgage as possible, if it starts jumping up to $34,000, we're gonna have to have that conversation about how much is too much. Yep. So 662 is not too bad at the moment, but we'll keep a close eye on it. And the next anniversary until May of next year. Perfect. Okay. So we'll stay high growth. We'll keep the portfolio going within Hub for the time being. I'll have another chat with you about the investments and the risk level on our next review. Do you prefer to do a bit more contact throughout the year? We can do six monthly or quarterly, or do you just prefer that twelve month annual review? Yep. No worries. So if anything does pop up in between, any concerns or anything you would like to talk to us about, please just call through and book in the chat, but we'll keep an eye on things. And then at that review, we'll have that next risk discussion as well. Perfect. So at the moment, I'll send out those beneficiary forms, get those sorted with you. There's that reminder just when life does slow down a little bit. If it does, we'll get the will and everything organized. But for now, there's a lot to do in terms of the renovation, savings, and the mortgage. Cool. Bob, the other thing that's in that review pack with you, so you've got the super, the insurance, the financial services guide. We've included the updated service agreement with you as well. So in order to remain advisers, we do need you to sign off on consent for us to be on your account to be able to make the changes and look after things. I just wanted to ask you if you were still happy with our services. Cool. Now just a bit of a heads up. So the fees haven't changed this year. It's still the 1.5% capped at 600,000, but we will be bringing in a bit of a tiered structure soon so that once you go above 200,000, they'll start to be discounts applied next year. So we're just trying to step things down for people as they get to a higher balance. K? So this one will be the same. The next one, there should be some discounts there. But when we get that next financial services guide, we'll send that through to you as well. Amazing. Any questions for me before I let you go? Amazing, Bob. Well, thank you so much for your time. If you can have a look at that email when you get a chance, we will post out that pack. And, again, any questions, just call back. Thank you, Bob. Have a fantastic day. Bye.","confidence":0.9995117,"words":[{"word":"hi","start":2.48,"end":2.6399999,"confidence":0.98657227,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.059713926166296005},{"word":"barbara","start":2.6399999,"end":3.12,"confidence":0.97802734,"punctuated_word":"Barbara.","sentiment":"neutral","sentiment_score":0.07230418920516968},{"word":"it's","start":3.12,"end":3.36,"confidence":0.99560547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1007051318883896},{"word":"tommy","start":3.36,"end":3.6799998,"confidence":0.9790039,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.10927966237068176},{"word":"here","start":3.6799998,"end":3.9199998,"confidence":0.9824219,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.10211451351642609},{"word":"senior","start":3.9199998,"end":4.24,"confidence":0.99316406,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.08080337196588516},{"word":"adviser","start":4.24,"end":4.64,"confidence":0.9301758,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.0953165963292122},{"word":"of","start":4.64,"end":4.7999997,"confidence":0.8925781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11158311367034912},{"word":"oakview","start":4.7999997,"end":5.12,"confidence":0.9194336,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.11233498156070708},{"word":"how","start":5.12,"end":5.2799997,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.12787078320980072},{"word":"are","start":5.2799997,"end":5.3599997,"confidence":0.7949219,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13189102709293363},{"word":"you","start":5.3599997,"end":5.44,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1310146600008011},{"word":"doing","start":5.44,"end":5.68,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1396106779575348},{"word":"today","start":5.68,"end":6.18,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.13349340856075287},{"word":"i'm","start":7.9199996,"end":8.24,"confidence":0.9440918,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6719105243682861},{"word":"doing","start":8.24,"end":8.72,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7378419041633606},{"word":"fantastic","start":8.72,"end":9.22,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7859611511230469},{"word":"it's","start":9.36,"end":9.5199995,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6962021589279175},{"word":"a","start":9.5199995,"end":9.679999,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6865787506103516},{"word":"very","start":9.679999,"end":10.0,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6697121858596802},{"word":"cool","start":10.0,"end":10.4,"confidence":0.92871094,"punctuated_word":"cool,","sentiment":"positive","sentiment_score":0.6774024963378906},{"word":"chill","start":10.4,"end":10.719999,"confidence":0.6533203,"punctuated_word":"chill","sentiment":"positive","sentiment_score":0.7055118680000305},{"word":"day","start":10.719999,"end":10.88,"confidence":0.9980469,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.6351280808448792},{"word":"on","start":10.88,"end":10.96,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6810939908027649},{"word":"the","start":10.96,"end":11.12,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6728571057319641},{"word":"gold","start":11.12,"end":11.28,"confidence":0.97998047,"punctuated_word":"Gold","sentiment":"positive","sentiment_score":0.6236926913261414},{"word":"coast","start":11.28,"end":11.599999,"confidence":1.0,"punctuated_word":"Coast.","sentiment":"positive","sentiment_score":0.5938619375228882},{"word":"what","start":11.599999,"end":11.759999,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.1286998838186264},{"word":"about","start":11.759999,"end":12.0,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10513899475336076},{"word":"your","start":12.0,"end":12.24,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0991048589348793},{"word":"end","start":12.24,"end":12.645,"confidence":0.9995117,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.25295013189315796},{"word":"great","start":15.285,"end":15.525001,"confidence":0.54589844,"punctuated_word":"Great","sentiment":"positive","sentiment_score":0.630957305431366},{"word":"to","start":15.525001,"end":15.685,"confidence":0.9873047,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6126012802124023},{"word":"hear","start":15.685,"end":15.925,"confidence":0.9848633,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.5373770594596863},{"word":"great","start":15.925,"end":16.085001,"confidence":0.9838867,"punctuated_word":"Great","sentiment":"positive","sentiment_score":0.4523628056049347},{"word":"to","start":16.085001,"end":16.245,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.48925861716270447},{"word":"hear","start":16.245,"end":16.725,"confidence":1.0,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.43451666831970215},{"word":"i've","start":16.725,"end":16.885,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2083703726530075},{"word":"got","start":16.885,"end":17.045,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1957695335149765},{"word":"you","start":17.045,"end":17.205,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13444148004055023},{"word":"booked","start":17.205,"end":17.525002,"confidence":0.9970703,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.09375739097595216},{"word":"in","start":17.525002,"end":17.765,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08925166726112366},{"word":"to","start":17.765,"end":17.845001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09390023350715636},{"word":"go","start":17.845001,"end":18.085001,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13206905126571655},{"word":"through","start":18.085001,"end":18.245,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15002022683620453},{"word":"a","start":18.245,"end":18.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1289919912815094},{"word":"bit","start":18.325,"end":18.485,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1341291517019272},{"word":"of","start":18.485,"end":18.645,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18849864602088928},{"word":"an","start":18.645,"end":18.805,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1892295777797699},{"word":"annual","start":18.805,"end":19.125,"confidence":1.0,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.20595456659793857},{"word":"review","start":19.125,"end":19.445,"confidence":0.9995117,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.12446770071983336},{"word":"do","start":19.445,"end":19.605,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.035845737904310226},{"word":"you","start":19.605,"end":19.765,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05350933596491814},{"word":"still","start":19.765,"end":20.005001,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.050980422645807266},{"word":"have","start":20.005001,"end":20.165,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.059736333787441254},{"word":"time","start":20.165,"end":20.405,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06871669739484787},{"word":"for","start":20.405,"end":20.565,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07385670393705368},{"word":"me","start":20.565,"end":21.065,"confidence":0.9995117,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.08213311433792114},{"word":"perfect","start":23.685001,"end":24.185001,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4069832861423493},{"word":"i'm","start":24.244999,"end":24.485,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.26564687490463257},{"word":"just","start":24.485,"end":24.645,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23922470211982727},{"word":"gonna","start":24.645,"end":24.885,"confidence":0.96972656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.23851141333580017},{"word":"go","start":24.885,"end":25.045,"confidence":0.9902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1564156711101532},{"word":"through","start":25.045,"end":25.205,"confidence":0.9790039,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17272146046161652},{"word":"a","start":25.205,"end":25.285,"confidence":0.7944336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19429005682468417},{"word":"quick","start":25.285,"end":25.47,"confidence":0.88671875,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.22776831686496735},{"word":"security","start":25.63,"end":25.949999,"confidence":0.99902344,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.1597858369350433},{"word":"check","start":25.949999,"end":26.189999,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.18760201334953308},{"word":"with","start":26.189999,"end":26.349998,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18519869446754456},{"word":"you","start":26.349998,"end":26.59,"confidence":0.9650879,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.22132259607315063},{"word":"and","start":26.59,"end":26.99,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18854402005672455},{"word":"i've","start":26.99,"end":27.15,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.22291550040245056},{"word":"got","start":27.15,"end":27.39,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.22898133099079132},{"word":"an","start":27.39,"end":27.55,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19829754531383512},{"word":"email","start":27.55,"end":28.029999,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.17308852076530457},{"word":"pack","start":28.029999,"end":28.269999,"confidence":0.90478516,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.16952139139175415},{"word":"to","start":28.269999,"end":28.43,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21149323880672455},{"word":"send","start":28.43,"end":28.669998,"confidence":0.9892578,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.19196009635925293},{"word":"through","start":28.669998,"end":28.91,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2113968729972839},{"word":"to","start":28.91,"end":29.15,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2530648112297058},{"word":"you","start":29.15,"end":29.31,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26844286918640137},{"word":"for","start":29.31,"end":29.71,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22053779661655423},{"word":"your","start":29.71,"end":30.029999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19183233380317688},{"word":"review","start":30.029999,"end":30.529999,"confidence":1.0,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.16000515222549438},{"word":"will","start":30.75,"end":30.99,"confidence":0.98828125,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.0757981687784195},{"word":"you","start":30.99,"end":31.15,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11676935851573944},{"word":"be","start":31.15,"end":31.31,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11311808973550797},{"word":"able","start":31.31,"end":31.39,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.11658382415771484},{"word":"to","start":31.39,"end":31.47,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11613542586565018},{"word":"look","start":31.47,"end":31.63,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09160394221544266},{"word":"onto","start":31.63,"end":31.949999,"confidence":0.5908203,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.09396429359912872},{"word":"the","start":31.949999,"end":32.11,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1150900572538376},{"word":"emails","start":32.11,"end":32.51,"confidence":0.99902344,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.1077847182750702},{"word":"with","start":32.51,"end":32.67,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09526795148849489},{"word":"me","start":32.67,"end":32.91,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12485682964324953},{"word":"today","start":32.91,"end":33.309998,"confidence":0.94018555,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.09884358197450638},{"word":"or","start":33.309998,"end":33.47,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09152811020612717},{"word":"should","start":33.47,"end":33.71,"confidence":0.97314453,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.08776972442865372},{"word":"i","start":33.71,"end":33.79,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1031637191772461},{"word":"just","start":33.79,"end":33.949997,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11133047938346864},{"word":"kind","start":33.949997,"end":34.11,"confidence":0.9560547,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13502641022205353},{"word":"of","start":34.11,"end":34.27,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14895910024642944},{"word":"walk","start":34.27,"end":34.43,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.11292586475610732},{"word":"you","start":34.43,"end":34.59,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09899158775806428},{"word":"through","start":34.59,"end":34.75,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09136542677879332},{"word":"what's","start":34.75,"end":35.07,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.07136803865432739},{"word":"coming","start":35.07,"end":35.57,"confidence":0.99902344,"punctuated_word":"coming?","sentiment":"neutral","sentiment_score":0.052653245627880096},{"word":"yep","start":39.645,"end":39.965,"confidence":0.9916992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0585612952709198},{"word":"no","start":39.965,"end":40.125,"confidence":1.0,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.09399938583374023},{"word":"worries","start":40.125,"end":40.445,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.07347310334444046},{"word":"at","start":40.445,"end":40.605,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.061779752373695374},{"word":"all","start":40.605,"end":41.105,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.07285964488983154},{"word":"barbara","start":41.165,"end":41.665,"confidence":0.85717773,"punctuated_word":"Barbara,","sentiment":"neutral","sentiment_score":0.046185046434402466},{"word":"i'm","start":41.805,"end":41.965,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04632320627570152},{"word":"registered","start":41.965,"end":42.445,"confidence":0.9951172,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.04477207362651825},{"word":"with","start":42.445,"end":42.605,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04961792379617691},{"word":"adviser","start":42.605,"end":43.105,"confidence":0.30688477,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.042894668877124786},{"word":"one","start":43.565002,"end":43.725,"confidence":0.95166016,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.059271685779094696},{"word":"two","start":43.725,"end":43.965,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.050158530473709106},{"word":"seven","start":43.965,"end":44.365,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.041053466498851776},{"word":"three","start":44.365,"end":44.525,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0410347580909729},{"word":"one","start":44.525,"end":44.765,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.049146026372909546},{"word":"zero","start":44.765,"end":45.005,"confidence":1.0,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.054528798907995224},{"word":"five","start":45.005,"end":45.505,"confidence":0.9980469,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":0.04589022696018219},{"word":"could","start":45.565002,"end":45.805,"confidence":0.99902344,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":0.03250175714492798},{"word":"i","start":45.805,"end":45.965,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028230782598257065},{"word":"please","start":45.965,"end":46.285,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.01994892954826355},{"word":"confirm","start":46.285,"end":46.765,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.02858275920152664},{"word":"your","start":46.765,"end":47.085,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017835047096014023},{"word":"date","start":47.085,"end":47.245003,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.0310622900724411},{"word":"of","start":47.245003,"end":47.325,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02636120468378067},{"word":"birth","start":47.325,"end":47.565002,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.032631389796733856},{"word":"and","start":47.565002,"end":47.725,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028199415653944016},{"word":"address","start":47.725,"end":48.225,"confidence":0.9995117,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.024300606921315193},{"word":"perfect","start":54.46,"end":54.94,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.15392747521400452},{"word":"and","start":54.94,"end":55.1,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06155811250209808},{"word":"are","start":55.1,"end":55.26,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0391489639878273},{"word":"you","start":55.26,"end":55.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0621570348739624},{"word":"okay","start":55.34,"end":55.58,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.05685798078775406},{"word":"for","start":55.58,"end":55.739998,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0503692701458931},{"word":"the","start":55.739998,"end":55.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04688907787203789},{"word":"call","start":55.82,"end":56.06,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.03098823688924313},{"word":"to","start":56.06,"end":56.22,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02106613665819168},{"word":"be","start":56.22,"end":56.38,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.027248183265328407},{"word":"recorded","start":56.38,"end":56.88,"confidence":1.0,"punctuated_word":"recorded?","sentiment":"neutral","sentiment_score":0.03708833083510399},{"word":"sensational","start":59.1,"end":59.6,"confidence":0.9983724,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.05245378613471985},{"word":"so","start":59.9,"end":60.4,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026233254000544548},{"word":"i've","start":60.54,"end":60.78,"confidence":0.9946289,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02738979086279869},{"word":"got","start":60.78,"end":61.02,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.029721058905124664},{"word":"your","start":61.02,"end":61.26,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02241543121635914},{"word":"asbobwoods1@hotmail.com","start":61.9,"end":64.525,"confidence":0.90856934,"punctuated_word":"asBobWoods1@Hotmail.com.","sentiment":"neutral","sentiment_score":0.03306357190012932},{"word":"is","start":64.525,"end":64.605,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.019869334995746613},{"word":"that","start":64.605,"end":64.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.042922183871269226},{"word":"still","start":64.845,"end":65.245,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.025660110637545586},{"word":"okay","start":65.245,"end":65.745,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.022942831739783287},{"word":"for","start":65.805,"end":66.205,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.015777286142110825},{"word":"documentation","start":66.205,"end":66.705,"confidence":0.9995117,"punctuated_word":"documentation?","sentiment":"neutral","sentiment_score":0.02631033770740032},{"word":"awesome","start":69.405,"end":69.805,"confidence":0.99853516,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.3315848708152771},{"word":"so","start":69.805,"end":70.045,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2211826294660568},{"word":"i'll","start":70.045,"end":70.285,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24590352177619937},{"word":"pop","start":70.285,"end":70.525,"confidence":1.0,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.29378679394721985},{"word":"that","start":70.525,"end":70.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2504656910896301},{"word":"through","start":70.765,"end":71.165,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1698339581489563},{"word":"to","start":71.165,"end":71.245,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2157706916332245},{"word":"you","start":71.245,"end":71.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2276848405599594},{"word":"now","start":71.405,"end":71.905,"confidence":0.99365234,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.21276633441448212},{"word":"now","start":72.604996,"end":73.005,"confidence":0.7416992,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10978111624717712},{"word":"for","start":73.005,"end":73.325,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07727815210819244},{"word":"the","start":73.325,"end":73.405,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09359382838010788},{"word":"review","start":73.405,"end":73.645,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.09040390700101852},{"word":"today","start":73.645,"end":73.965,"confidence":0.99902344,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.0997440218925476},{"word":"i've","start":73.965,"end":74.125,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10267843306064606},{"word":"got","start":74.125,"end":74.285,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10849769413471222},{"word":"some","start":74.285,"end":74.445,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08854792267084122},{"word":"updated","start":74.445,"end":74.925,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.0859900489449501},{"word":"information","start":74.925,"end":75.405,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.09852003306150436},{"word":"on","start":75.405,"end":75.485,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09677538275718688},{"word":"the","start":75.485,"end":75.725,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10860103368759157},{"word":"super","start":75.725,"end":76.225,"confidence":0.9428711,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.123115174472332},{"word":"certificate","start":76.86,"end":77.18,"confidence":0.9951172,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.13731646537780762},{"word":"of","start":77.18,"end":77.42,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13792558014392853},{"word":"currency","start":77.42,"end":77.74,"confidence":0.9980469,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.13728445768356323},{"word":"for","start":77.74,"end":77.979996,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.123886376619339},{"word":"your","start":77.979996,"end":78.21999,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13332918286323547},{"word":"insurances","start":78.21999,"end":78.71999,"confidence":0.80444336,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.1252419650554657},{"word":"coming","start":78.86,"end":79.18,"confidence":0.9970703,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.1525149792432785},{"word":"through","start":79.18,"end":79.68,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1415853351354599},{"word":"and","start":79.979996,"end":80.14,"confidence":0.74902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1229175254702568},{"word":"just","start":80.14,"end":80.38,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14423510432243347},{"word":"some","start":80.38,"end":80.619995,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12664614617824554},{"word":"updated","start":80.619995,"end":81.119995,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.10664808750152588},{"word":"financial","start":81.34,"end":81.82,"confidence":0.9140625,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.12032367289066316},{"word":"services","start":81.82,"end":82.32,"confidence":1.0,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.10302837193012238},{"word":"guide","start":82.38,"end":82.619995,"confidence":1.0,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.11802966147661208},{"word":"with","start":82.619995,"end":82.78,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14419211447238922},{"word":"oakview","start":82.78,"end":83.28,"confidence":0.7888997,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.1085517406463623},{"word":"now","start":84.21999,"end":84.53999,"confidence":0.91748047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.034840893000364304},{"word":"is","start":84.53999,"end":84.619995,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03793346881866455},{"word":"there","start":84.619995,"end":84.78,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04950462654232979},{"word":"anything","start":84.78,"end":85.1,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0536336749792099},{"word":"in","start":85.1,"end":85.18,"confidence":0.89208984,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02956344000995159},{"word":"particular","start":85.18,"end":85.659996,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.034850433468818665},{"word":"that","start":85.659996,"end":85.74,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03822540119290352},{"word":"you","start":85.74,"end":85.899994,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02723897248506546},{"word":"wanna","start":85.899994,"end":86.22,"confidence":0.8496094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04502015188336373},{"word":"focus","start":86.22,"end":86.53999,"confidence":0.9980469,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.02924404852092266},{"word":"on","start":86.53999,"end":86.7,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05366869270801544},{"word":"for","start":86.7,"end":86.939995,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03698926046490669},{"word":"this","start":86.939995,"end":87.1,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0406486839056015},{"word":"year's","start":87.1,"end":87.34,"confidence":1.0,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.04510369151830673},{"word":"review","start":87.34,"end":87.84,"confidence":0.9995117,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.027216963469982147},{"word":"perfect","start":93.115,"end":93.515,"confidence":0.9848633,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1701507270336151},{"word":"just","start":93.515,"end":93.634995,"confidence":0.9604492,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.10046170651912688},{"word":"a","start":93.634995,"end":93.755,"confidence":0.8833008,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09614849090576172},{"word":"bit","start":93.755,"end":93.91499,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11632292717695236},{"word":"of","start":93.91499,"end":93.994995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14345940947532654},{"word":"a","start":93.994995,"end":94.075,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10973384976387024},{"word":"general","start":94.075,"end":94.475,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.08939045667648315},{"word":"update","start":94.475,"end":94.975,"confidence":0.98950195,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":0.08970850706100464},{"word":"and","start":96.395,"end":96.715,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.046737365424633026},{"word":"i","start":96.715,"end":96.875,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.040477454662323},{"word":"did","start":96.875,"end":97.115,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04234572499990463},{"word":"have","start":97.115,"end":97.274994,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05357275903224945},{"word":"a","start":97.274994,"end":97.354996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05507829785346985},{"word":"bit","start":97.354996,"end":97.515,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05632593110203743},{"word":"of","start":97.515,"end":97.59499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06273256242275238},{"word":"a","start":97.59499,"end":97.674995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.048280563205480576},{"word":"note","start":97.674995,"end":97.91499,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.0392627976834774},{"word":"there","start":97.91499,"end":98.235,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03644601255655289},{"word":"that","start":98.235,"end":98.55499,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04265280067920685},{"word":"you","start":98.55499,"end":98.795,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04197283834218979},{"word":"were","start":98.795,"end":98.954994,"confidence":0.9951172,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.036094050854444504},{"word":"trying","start":98.954994,"end":99.195,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.04822533577680588},{"word":"to","start":99.195,"end":99.354996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05679892748594284},{"word":"look","start":99.354996,"end":99.515,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06525947153568268},{"word":"at","start":99.515,"end":99.674995,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04845349490642547},{"word":"some","start":99.674995,"end":99.994995,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05841131508350372},{"word":"super","start":99.994995,"end":100.395,"confidence":0.9760742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09477759897708891},{"word":"for","start":100.395,"end":100.715,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04995078593492508},{"word":"your","start":100.715,"end":101.115,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0649946928024292},{"word":"daughter","start":101.115,"end":101.515,"confidence":0.9980469,"punctuated_word":"daughter,","sentiment":"neutral","sentiment_score":0.05357281118631363},{"word":"i","start":101.515,"end":101.59499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05493983253836632},{"word":"believe","start":101.59499,"end":102.09499,"confidence":0.9758301,"punctuated_word":"believe,","sentiment":"neutral","sentiment_score":0.05743340402841568},{"word":"going","start":103.29,"end":103.53001,"confidence":0.9863281,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.06603138148784637},{"word":"through","start":103.53001,"end":104.03001,"confidence":0.9951172,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04001254588365555},{"word":"early","start":104.48,"end":104.73,"confidence":0.98291016,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.017860377207398415},{"word":"employment","start":104.73,"end":105.23,"confidence":0.9885254,"punctuated_word":"employment.","sentiment":"neutral","sentiment_score":0.028497885912656784},{"word":"amazing","start":111.850006,"end":112.350006,"confidence":0.8312988,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.25374504923820496},{"word":"yeah","start":119.065,"end":119.305,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.6019042134284973},{"word":"that's","start":119.305,"end":119.545006,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.8068197965621948},{"word":"a","start":119.545006,"end":119.785,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8499715924263},{"word":"pretty","start":119.785,"end":119.945,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.8342498540878296},{"word":"good","start":119.945,"end":120.445,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.8577468395233154},{"word":"pretty","start":120.505005,"end":120.825005,"confidence":0.93115234,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.8437602519989014},{"word":"good","start":120.825005,"end":121.065,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.8614993095397949},{"word":"idea","start":121.065,"end":121.545006,"confidence":0.9980469,"punctuated_word":"idea.","sentiment":"positive","sentiment_score":0.7688336372375488},{"word":"normally","start":121.545006,"end":122.025,"confidence":0.89575195,"punctuated_word":"Normally,","sentiment":"positive","sentiment_score":0.4002810418605805},{"word":"for","start":122.025,"end":122.525,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3727547824382782},{"word":"people's","start":122.825005,"end":123.225006,"confidence":0.92285156,"punctuated_word":"people's","sentiment":"positive","sentiment_score":0.3510526418685913},{"word":"first","start":123.225006,"end":123.465004,"confidence":0.99609375,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.18639035522937775},{"word":"job","start":123.465004,"end":123.785,"confidence":0.66625977,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":0.2758186459541321},{"word":"first","start":123.785,"end":124.105,"confidence":0.9970703,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.25820237398147583},{"word":"super","start":124.105,"end":124.585,"confidence":0.9975586,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.38227227330207825},{"word":"it's","start":124.585,"end":124.905,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4411151111125946},{"word":"really","start":124.905,"end":125.145004,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5261277556419373},{"word":"good","start":125.145004,"end":125.305,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5188013315200806},{"word":"to","start":125.305,"end":125.465004,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4808709323406219},{"word":"get","start":125.465004,"end":125.625,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.48025450110435486},{"word":"that","start":125.625,"end":125.865005,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4576629102230072},{"word":"kind","start":125.865005,"end":126.025,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.351360023021698},{"word":"of","start":126.025,"end":126.265,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4013693332672119},{"word":"low","start":126.265,"end":126.585,"confidence":1.0,"punctuated_word":"low","sentiment":"positive","sentiment_score":0.3980071246623993},{"word":"fee","start":126.585,"end":126.985,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.4793279469013214},{"word":"industry","start":126.985,"end":127.465004,"confidence":0.9980469,"punctuated_word":"industry","sentiment":"positive","sentiment_score":0.463754802942276},{"word":"fund","start":127.465004,"end":127.785,"confidence":0.9604492,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.5107553601264954},{"word":"to","start":127.785,"end":127.865005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4201436936855316},{"word":"start","start":127.865005,"end":128.105,"confidence":1.0,"punctuated_word":"start","sentiment":"positive","sentiment_score":0.3630719482898712},{"word":"with","start":128.105,"end":128.425,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4615437686443329},{"word":"to","start":128.425,"end":128.505,"confidence":0.88183594,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36291834712028503},{"word":"build","start":128.505,"end":128.745,"confidence":1.0,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.3776301145553589},{"word":"up","start":128.745,"end":128.905,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3709147572517395},{"word":"their","start":128.905,"end":129.145,"confidence":0.99121094,"punctuated_word":"their","sentiment":"positive","sentiment_score":0.3386088013648987},{"word":"first","start":129.145,"end":129.645,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.2793716788291931},{"word":"50","start":129.94,"end":130.1,"confidence":0.99902344,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.17081297934055328},{"word":"to","start":130.1,"end":130.26,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24447476863861084},{"word":"80,000","start":130.26,"end":131.16,"confidence":0.8829346,"punctuated_word":"80,000.","sentiment":"neutral","sentiment_score":0.2959297001361847},{"word":"and","start":131.38,"end":131.62,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22810445725917816},{"word":"it","start":131.62,"end":131.78,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2573640048503876},{"word":"just","start":131.78,"end":132.02,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2067965865135193},{"word":"means","start":132.02,"end":132.34,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.2227395921945572},{"word":"that","start":132.34,"end":132.5,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2997993230819702},{"word":"they've","start":132.5,"end":132.81999,"confidence":0.9995117,"punctuated_word":"they've","sentiment":"positive","sentiment_score":0.3487279415130615},{"word":"got","start":132.81999,"end":132.98,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2716038227081299},{"word":"a","start":132.98,"end":133.06,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3765532970428467},{"word":"bit","start":133.06,"end":133.22,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3432728350162506},{"word":"of","start":133.22,"end":133.38,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39107179641723633},{"word":"a","start":133.38,"end":133.54,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4070985019207001},{"word":"chance","start":133.54,"end":133.86,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.29584717750549316},{"word":"for","start":133.86,"end":133.94,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3984662890434265},{"word":"those","start":133.94,"end":134.44,"confidence":1.0,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3749226927757263},{"word":"early","start":134.66,"end":135.06,"confidence":1.0,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.27963584661483765},{"word":"contributions","start":135.06,"end":135.56,"confidence":1.0,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.35255536437034607},{"word":"to","start":135.78,"end":135.86,"confidence":0.9838867,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3657030463218689},{"word":"actually","start":135.86,"end":136.26,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.33675509691238403},{"word":"grow","start":136.26,"end":136.76,"confidence":1.0,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.39766013622283936},{"word":"before","start":136.9,"end":137.3,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.24835599958896637},{"word":"they","start":137.3,"end":137.45999,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.24037840962409973},{"word":"do","start":137.45999,"end":137.7,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2010307013988495},{"word":"anything","start":137.7,"end":138.18,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2338198572397232},{"word":"fancy","start":138.18,"end":138.66,"confidence":1.0,"punctuated_word":"fancy","sentiment":"neutral","sentiment_score":0.18513302505016327},{"word":"after","start":138.66,"end":138.9,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.18807217478752136},{"word":"that","start":138.9,"end":139.4,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.21291784942150116},{"word":"perfect","start":141.3,"end":141.7,"confidence":0.9797363,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5564063787460327},{"word":"now","start":141.7,"end":142.095,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.25198841094970703},{"word":"i'm","start":142.095,"end":142.175,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1618996262550354},{"word":"just","start":142.175,"end":142.495,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16528594493865967},{"word":"having","start":142.495,"end":142.575,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.12176275253295898},{"word":"a","start":142.575,"end":142.735,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06744637340307236},{"word":"quick","start":142.735,"end":142.975,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.11661265790462494},{"word":"look","start":142.975,"end":143.295,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11711856722831726},{"word":"about","start":143.295,"end":143.535,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13047993183135986},{"word":"some","start":143.535,"end":143.695,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11379643529653548},{"word":"of","start":143.695,"end":143.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1296902596950531},{"word":"these","start":143.775,"end":143.935,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.11712832748889924},{"word":"details","start":143.935,"end":144.335,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.09667909145355225},{"word":"i","start":144.335,"end":144.41501,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08127054572105408},{"word":"need","start":144.41501,"end":144.655,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10960641503334044},{"word":"to","start":144.655,"end":144.735,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1159672513604164},{"word":"update","start":144.735,"end":145.235,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.11313621699810028},{"word":"on","start":145.295,"end":145.615,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1167040318250656},{"word":"our","start":145.615,"end":145.775,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1296263039112091},{"word":"new","start":145.775,"end":146.095,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.09243063628673552},{"word":"system","start":146.095,"end":146.495,"confidence":0.98657227,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.1429322361946106},{"word":"bob","start":146.495,"end":146.995,"confidence":0.75219727,"punctuated_word":"Bob.","sentiment":"neutral","sentiment_score":0.1405249685049057},{"word":"but","start":147.455,"end":147.955,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05734345689415932},{"word":"goals","start":148.655,"end":148.975,"confidence":0.94189453,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.04591236636042595},{"word":"wise","start":148.975,"end":149.475,"confidence":0.9914551,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.07197354733943939},{"word":"i","start":149.935,"end":150.095,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08367112278938293},{"word":"do","start":150.095,"end":150.335,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08917742967605591},{"word":"have","start":150.335,"end":150.575,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0671999603509903},{"word":"here","start":150.575,"end":150.895,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.08997878432273865},{"word":"that","start":150.895,"end":151.135,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08836804330348969},{"word":"we're","start":151.135,"end":151.375,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08381567895412445},{"word":"looking","start":151.375,"end":151.775,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11036935448646544},{"word":"to","start":151.775,"end":151.935,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14925764501094818},{"word":"try","start":151.935,"end":152.255,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1225515753030777},{"word":"and","start":152.255,"end":152.495,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1519051045179367},{"word":"retire","start":152.495,"end":152.895,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.15660004317760468},{"word":"as","start":152.895,"end":153.05501,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13001495599746704},{"word":"early","start":153.05501,"end":153.295,"confidence":1.0,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.12219807505607604},{"word":"as","start":153.295,"end":153.535,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05835399031639099},{"word":"possible","start":153.535,"end":154.035,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.0666288360953331},{"word":"towards","start":154.095,"end":154.595,"confidence":0.9941406,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.0966356247663498},{"word":"age","start":154.655,"end":154.975,"confidence":0.9951172,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.10790877789258956},{"word":"60","start":154.975,"end":155.475,"confidence":0.9946289,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.1349862515926361},{"word":"which","start":155.75,"end":155.83,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10108785331249236},{"word":"is","start":155.83,"end":156.06999,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06526142358779907},{"word":"when","start":156.06999,"end":156.15,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05068359524011612},{"word":"you","start":156.15,"end":156.23,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05742701888084411},{"word":"can","start":156.23,"end":156.63,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.055330634117126465},{"word":"access","start":156.63,"end":156.95,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.08780651539564133},{"word":"your","start":156.95,"end":157.19,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10903279483318327},{"word":"super","start":157.19,"end":157.51,"confidence":0.9238281,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.14178112149238586},{"word":"does","start":157.51,"end":157.67,"confidence":0.9902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0898737981915474},{"word":"that","start":157.67,"end":157.91,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1322087049484253},{"word":"still","start":157.91,"end":158.15,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08684879541397095},{"word":"sound","start":158.15,"end":158.65,"confidence":0.9873047,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.08457290381193161},{"word":"correct","start":158.95,"end":159.45,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.08035298436880112},{"word":"yeah","start":170.08499,"end":170.325,"confidence":0.8996582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1389504075050354},{"word":"absolutely","start":170.325,"end":170.825,"confidence":0.99560547,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.18143793940544128},{"word":"and","start":170.885,"end":171.125,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08719190955162048},{"word":"then","start":171.125,"end":171.605,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07200184464454651},{"word":"whether","start":171.605,"end":171.845,"confidence":0.99316406,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.07810027152299881},{"word":"we","start":171.845,"end":172.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06147996336221695},{"word":"have","start":172.005,"end":172.245,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05325838178396225},{"word":"to","start":172.245,"end":172.405,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04104442521929741},{"word":"kind","start":172.405,"end":172.485,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.021349363029003143},{"word":"of","start":172.485,"end":172.985,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02875863015651703},{"word":"delay","start":173.285,"end":173.605,"confidence":0.99902344,"punctuated_word":"delay","sentiment":"neutral","sentiment_score":-0.006311573088169098},{"word":"things","start":173.605,"end":173.845,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.030570171773433685},{"word":"for","start":173.845,"end":174.005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008256196975708008},{"word":"a","start":174.005,"end":174.08499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018175385892391205},{"word":"year","start":174.08499,"end":174.325,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.029289357364177704},{"word":"or","start":174.325,"end":174.485,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02497588098049164},{"word":"two","start":174.485,"end":174.72499,"confidence":0.7553711,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.025852598249912265},{"word":"we'll","start":174.72499,"end":174.885,"confidence":0.95532227,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.048396654427051544},{"word":"just","start":174.885,"end":175.125,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.032682158052921295},{"word":"wait","start":175.125,"end":175.285,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.01850898563861847},{"word":"until","start":175.285,"end":175.525,"confidence":0.9941406,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.026189979165792465},{"word":"we've","start":175.525,"end":175.685,"confidence":0.99658203,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.02940072864294052},{"word":"got","start":175.685,"end":175.845,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0351455956697464},{"word":"enough","start":175.845,"end":176.245,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.05272838473320007},{"word":"funds","start":176.245,"end":176.565,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.03168545663356781},{"word":"there","start":176.565,"end":176.965,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06570126116275787},{"word":"or","start":176.965,"end":177.205,"confidence":0.51464844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.018208224326372147},{"word":"even","start":177.205,"end":177.44499,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.025554072111845016},{"word":"go","start":177.44499,"end":177.685,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.021381493657827377},{"word":"part","start":177.685,"end":177.925,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.00622551329433918},{"word":"time","start":177.925,"end":178.245,"confidence":0.9641113,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.028534233570098877},{"word":"there's","start":178.245,"end":178.485,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.01901714876294136},{"word":"always","start":178.485,"end":178.805,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.06688521802425385},{"word":"options","start":178.805,"end":179.305,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.009994890540838242},{"word":"to","start":179.685,"end":179.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0032699033617973328},{"word":"slow","start":179.925,"end":180.165,"confidence":1.0,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":-0.01225169003009796},{"word":"things","start":180.165,"end":180.485,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.04523930698633194},{"word":"down","start":180.485,"end":180.805,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.015000291168689728},{"word":"as","start":180.805,"end":180.965,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03554123267531395},{"word":"well","start":180.965,"end":181.44,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.029024163261055943},{"word":"now","start":183.6,"end":184.0,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06334245204925537},{"word":"one","start":184.0,"end":184.08,"confidence":0.9921875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05581755191087723},{"word":"of","start":184.08,"end":184.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05389416590332985},{"word":"the","start":184.24,"end":184.32,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05800953507423401},{"word":"things","start":184.32,"end":184.56,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08094586431980133},{"word":"that","start":184.56,"end":184.8,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.049707964062690735},{"word":"i","start":184.8,"end":185.2,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06921129673719406},{"word":"found","start":185.2,"end":185.52,"confidence":0.99902344,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.048008471727371216},{"word":"interesting","start":185.52,"end":186.0,"confidence":1.0,"punctuated_word":"interesting","sentiment":"neutral","sentiment_score":0.053670357912778854},{"word":"there","start":186.0,"end":186.32,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04833918809890747},{"word":"was","start":186.32,"end":186.48,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04067418724298477},{"word":"that","start":186.48,"end":186.98,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045610297471284866},{"word":"we're","start":187.04001,"end":187.28,"confidence":0.9875488,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.043186064809560776},{"word":"trying","start":187.28,"end":187.52,"confidence":0.9970703,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.05503375083208084},{"word":"to","start":187.52,"end":187.6,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0848274752497673},{"word":"retire","start":187.6,"end":187.92,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.06701499223709106},{"word":"with","start":187.92,"end":188.16,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0651693120598793},{"word":"as","start":188.16,"end":188.24,"confidence":0.9863281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08477235585451126},{"word":"much","start":188.24,"end":188.48,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.11335642635822296},{"word":"as","start":188.48,"end":188.64,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.058810554444789886},{"word":"possible","start":188.64,"end":189.14,"confidence":0.939209,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.06231236830353737},{"word":"but","start":189.28,"end":189.44,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05921825394034386},{"word":"there","start":189.44,"end":189.6,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.020682841539382935},{"word":"was","start":189.6,"end":189.84,"confidence":0.9863281,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.00839308649301529},{"word":"an","start":189.84,"end":190.0,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.022631876170635223},{"word":"early","start":190.0,"end":190.24,"confidence":0.98828125,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.011274605989456177},{"word":"goal","start":190.24,"end":190.56,"confidence":0.9921875,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.045926108956336975},{"word":"when","start":190.56,"end":190.72,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05432891100645065},{"word":"you","start":190.72,"end":190.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07339677214622498},{"word":"came","start":190.8,"end":191.04001,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.0743599385023117},{"word":"on","start":191.04001,"end":191.28,"confidence":0.7607422,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09253005683422089},{"word":"board","start":191.28,"end":191.52,"confidence":0.99609375,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.12382743507623672},{"word":"that","start":191.52,"end":191.84,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07692950963973999},{"word":"your","start":191.84,"end":192.08,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03846646845340729},{"word":"partner","start":192.08,"end":192.56,"confidence":1.0,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.025602273643016815},{"word":"might","start":192.56,"end":192.72,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0035063624382019043},{"word":"not","start":192.72,"end":192.96,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03418825566768646},{"word":"have","start":192.96,"end":193.2,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.014166563749313354},{"word":"very","start":193.2,"end":193.44,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.016124390065670013},{"word":"much","start":193.44,"end":193.68001,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03665952384471893},{"word":"in","start":193.68001,"end":193.92,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028538525104522705},{"word":"super","start":193.92,"end":194.42,"confidence":0.74560547,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.054340872913599014},{"word":"and","start":194.48,"end":194.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03976553678512573},{"word":"you","start":194.72,"end":194.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050351642072200775},{"word":"guys","start":194.88,"end":195.12,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.09064409881830215},{"word":"wanna","start":195.12,"end":195.44,"confidence":0.9111328,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13341572880744934},{"word":"kind","start":195.44,"end":195.6,"confidence":0.9741211,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10023436695337296},{"word":"of","start":195.6,"end":195.84,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11919451504945756},{"word":"rely","start":195.84,"end":196.24,"confidence":0.99902344,"punctuated_word":"rely","sentiment":"neutral","sentiment_score":0.11469689011573792},{"word":"on","start":196.24,"end":196.56,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09117262065410614},{"word":"your","start":196.56,"end":196.96,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10490135103464128},{"word":"funds","start":196.96,"end":197.415,"confidence":0.9863281,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.07856415212154388},{"word":"does","start":197.495,"end":197.575,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07311674952507019},{"word":"that","start":197.575,"end":197.81499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12780629098415375},{"word":"still","start":197.81499,"end":198.215,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06826486438512802},{"word":"sound","start":198.215,"end":198.715,"confidence":0.9980469,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.10651636868715286},{"word":"to","start":198.855,"end":199.015,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.100835882127285},{"word":"be","start":199.015,"end":199.17499,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11598622053861618},{"word":"a","start":199.17499,"end":199.33499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11593781411647797},{"word":"priority","start":199.33499,"end":199.83499,"confidence":1.0,"punctuated_word":"priority","sentiment":"neutral","sentiment_score":0.1133413389325142},{"word":"for","start":199.89499,"end":200.055,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09551585465669632},{"word":"you","start":200.055,"end":200.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09544362872838974},{"word":"guys","start":200.215,"end":200.715,"confidence":0.9980469,"punctuated_word":"guys?","sentiment":"neutral","sentiment_score":0.07257944345474243},{"word":"cool","start":201.89499,"end":202.135,"confidence":0.97680664,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2940254807472229},{"word":"so","start":202.135,"end":202.215,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22332414984703064},{"word":"whenever","start":202.215,"end":202.61499,"confidence":1.0,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.22451891005039215},{"word":"i","start":202.61499,"end":202.69499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18357479572296145},{"word":"do","start":202.69499,"end":202.935,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20764708518981936},{"word":"any","start":202.935,"end":203.435,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.222438782453537},{"word":"retirement","start":203.575,"end":204.075,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.13252097368240356},{"word":"analysis","start":204.295,"end":204.795,"confidence":0.9995117,"punctuated_word":"analysis,","sentiment":"neutral","sentiment_score":0.14087386429309845},{"word":"we'll","start":205.09499,"end":205.33499,"confidence":0.98657227,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.17395025491714478},{"word":"try","start":205.33499,"end":205.575,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1830038875341415},{"word":"and","start":205.575,"end":205.73499,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22919224202632904},{"word":"factor","start":205.73499,"end":206.135,"confidence":0.9980469,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.1869003623723984},{"word":"in","start":206.135,"end":206.635,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20890644192695615},{"word":"as","start":206.775,"end":206.935,"confidence":0.7866211,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23871257901191711},{"word":"much","start":206.935,"end":207.17499,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2118394821882248},{"word":"as","start":207.17499,"end":207.33499,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18596547842025757},{"word":"we","start":207.33499,"end":207.495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.26835522055625916},{"word":"can","start":207.495,"end":207.73499,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24288395047187805},{"word":"how","start":207.73499,"end":207.97499,"confidence":0.9316406,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2727578580379486},{"word":"to","start":207.97499,"end":208.055,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2819329798221588},{"word":"get","start":208.055,"end":208.215,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28655219078063965},{"word":"yours","start":208.215,"end":208.45499,"confidence":0.9980469,"punctuated_word":"yours","sentiment":"positive","sentiment_score":0.3593834638595581},{"word":"into","start":208.45499,"end":208.775,"confidence":1.0,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4206076860427856},{"word":"a","start":208.775,"end":208.855,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.37918972969055176},{"word":"position","start":208.855,"end":209.25499,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.2972486913204193},{"word":"to","start":209.25499,"end":209.33499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4048879742622375},{"word":"fund","start":209.33499,"end":209.575,"confidence":0.9980469,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2687569558620453},{"word":"for","start":209.575,"end":209.73499,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2642613649368286},{"word":"the","start":209.73499,"end":209.89499,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2659331262111664},{"word":"both","start":209.89499,"end":210.135,"confidence":0.9980469,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.29258760809898376},{"word":"of","start":210.135,"end":210.215,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26528772711753845},{"word":"you","start":210.215,"end":210.54,"confidence":0.9914551,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21187500655651093},{"word":"now","start":212.14,"end":212.62,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04688333347439766},{"word":"assets","start":212.62,"end":213.01999,"confidence":0.9667969,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.05762757733464241},{"word":"and","start":213.01999,"end":213.18,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03534385561943054},{"word":"liabilities","start":213.18,"end":213.68,"confidence":0.99902344,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.04448229819536209},{"word":"wise","start":213.9,"end":214.37999,"confidence":0.99902344,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.04012858122587204},{"word":"we","start":214.37999,"end":214.54,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.033542729914188385},{"word":"did","start":214.54,"end":214.78,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04712681472301483},{"word":"have","start":214.78,"end":215.01999,"confidence":0.9050293,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.03235861659049988},{"word":"like","start":215.01999,"end":215.51999,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04791150614619255},{"word":"a","start":215.65999,"end":215.81999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04716642946004867},{"word":"a","start":215.81999,"end":215.9,"confidence":0.9370117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.040427565574646},{"word":"main","start":215.9,"end":216.21999,"confidence":0.9970703,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.042495667934417725},{"word":"resonance","start":216.21999,"end":216.71999,"confidence":0.62158203,"punctuated_word":"resonance","sentiment":"neutral","sentiment_score":0.0522136427462101},{"word":"valued","start":217.26,"end":217.57999,"confidence":0.984375,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.0823158547282219},{"word":"at","start":217.57999,"end":217.73999,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08218877017498016},{"word":"about","start":217.73999,"end":217.98,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0587378554046154},{"word":"a","start":217.98,"end":218.06,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06270290166139603},{"word":"million","start":218.06,"end":218.45999,"confidence":0.99609375,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.09863075613975524},{"word":"dollars","start":218.45999,"end":218.95999,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.06957272440195084},{"word":"with","start":219.01999,"end":219.34,"confidence":0.8911133,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03238590061664581},{"word":"just","start":219.34,"end":219.57999,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.021739743649959564},{"word":"under","start":219.57999,"end":219.9,"confidence":0.9980469,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.07296079397201538},{"word":"500,000","start":219.9,"end":220.95999,"confidence":0.9996745,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.06038942560553551},{"word":"owing","start":221.18,"end":221.42,"confidence":0.96240234,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.04121330752968788},{"word":"on","start":221.42,"end":221.57999,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03506141155958176},{"word":"the","start":221.57999,"end":221.73999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028396792709827423},{"word":"mortgage","start":221.73999,"end":222.21999,"confidence":1.0,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.032811906188726425},{"word":"has","start":222.21999,"end":222.45999,"confidence":0.99902344,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":0.0008493848145008087},{"word":"that","start":222.45999,"end":222.62,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007440477609634399},{"word":"changed","start":222.62,"end":222.93999,"confidence":1.0,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.03332730382680893},{"word":"a","start":222.93999,"end":223.09999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01484077237546444},{"word":"lot","start":223.09999,"end":223.395,"confidence":1.0,"punctuated_word":"lot?","sentiment":"neutral","sentiment_score":-0.005778457969427109},{"word":"perfect","start":226.035,"end":226.515,"confidence":0.99194336,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.016042640432715416},{"word":"so","start":226.515,"end":227.015,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03885629028081894},{"word":"would","start":227.075,"end":227.315,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03593951091170311},{"word":"you","start":227.315,"end":227.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04078986123204231},{"word":"say","start":227.395,"end":227.63501,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.057314127683639526},{"word":"that","start":227.63501,"end":227.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08115115761756897},{"word":"kind","start":227.955,"end":228.115,"confidence":0.984375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04456408321857453},{"word":"of","start":228.115,"end":228.27501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06205740198493004},{"word":"the","start":228.27501,"end":228.35501,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06079312041401863},{"word":"main","start":228.35501,"end":228.675,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.05870624631643295},{"word":"focus","start":228.675,"end":229.075,"confidence":0.9921875,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.04140540212392807},{"word":"is","start":229.075,"end":229.475,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05874119699001312},{"word":"get","start":229.475,"end":229.715,"confidence":0.98535156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07591389119625092},{"word":"that","start":229.715,"end":229.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08574558049440384},{"word":"paid","start":229.955,"end":230.195,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.10132302343845367},{"word":"off","start":230.195,"end":230.435,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.054761067032814026},{"word":"as","start":230.435,"end":230.595,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06801914423704147},{"word":"much","start":230.595,"end":230.835,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.10810577124357224},{"word":"as","start":230.835,"end":230.99501,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04560419917106629},{"word":"possible","start":230.99501,"end":231.49501,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.04535889625549317},{"word":"and","start":231.55501,"end":231.795,"confidence":0.95410156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05671463161706925},{"word":"then","start":231.795,"end":232.035,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06665049493312836},{"word":"retire","start":232.035,"end":232.435,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.08253220468759537},{"word":"with","start":232.435,"end":232.835,"confidence":0.9797363,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.07927294820547104},{"word":"you","start":232.835,"end":232.91501,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06301121413707733},{"word":"know","start":232.91501,"end":233.235,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07299037277698517},{"word":"the","start":233.235,"end":233.395,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0991339161992073},{"word":"mortgage","start":233.395,"end":233.715,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.12092166393995284},{"word":"paid","start":233.715,"end":233.955,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.117718443274498},{"word":"off","start":233.955,"end":234.115,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.05949990451335907},{"word":"in","start":234.115,"end":234.27501,"confidence":0.44555664,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1154339462518692},{"word":"the","start":234.27501,"end":234.435,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12644678354263306},{"word":"super","start":234.435,"end":234.835,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1456422209739685},{"word":"combined","start":234.835,"end":235.315,"confidence":0.8395996,"punctuated_word":"combined,","sentiment":"neutral","sentiment_score":0.10146528482437134},{"word":"or","start":235.315,"end":235.55501,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.058622971177101135},{"word":"what","start":235.55501,"end":235.715,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04692860320210457},{"word":"would","start":235.715,"end":235.875,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.049795422703027725},{"word":"you","start":235.875,"end":236.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06070854514837265},{"word":"think","start":236.035,"end":236.49,"confidence":0.9975586,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":0.05426166206598282},{"word":"yep","start":239.45001,"end":239.95001,"confidence":0.9916992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21038272976875305},{"word":"and","start":240.01001,"end":240.49,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16633404791355133},{"word":"last","start":240.49,"end":240.73001,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.14261919260025024},{"word":"time","start":240.73001,"end":240.89,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1584988236427307},{"word":"we","start":240.89,"end":241.05,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1525600552558899},{"word":"checked","start":241.05,"end":241.29001,"confidence":0.9760742,"punctuated_word":"checked,","sentiment":"neutral","sentiment_score":0.154313325881958},{"word":"you","start":241.29001,"end":241.45001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12309060245752336},{"word":"did","start":241.45001,"end":241.69,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.15171514451503754},{"word":"have","start":241.69,"end":241.93001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1044641062617302},{"word":"a","start":241.93001,"end":242.17,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1152108758687973},{"word":"car","start":242.17,"end":242.57,"confidence":1.0,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.10029426962137222},{"word":"and","start":242.57,"end":242.81,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10150334984064102},{"word":"a","start":242.81,"end":242.97,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11543485522270204},{"word":"truck","start":242.97,"end":243.29001,"confidence":1.0,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":0.09123537689447404},{"word":"and","start":243.29001,"end":243.45001,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08466411381959915},{"word":"about","start":243.45001,"end":243.85,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10821321606636047},{"word":"50,000","start":243.85,"end":244.49,"confidence":1.0,"punctuated_word":"50,000","sentiment":"neutral","sentiment_score":0.14481639862060547},{"word":"in","start":244.49,"end":244.81,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11090646684169768},{"word":"savings","start":244.81,"end":245.31,"confidence":0.85375977,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.10517950356006622},{"word":"liquid","start":245.77,"end":246.27,"confidence":0.99902344,"punctuated_word":"liquid","sentiment":"neutral","sentiment_score":0.1149156168103218},{"word":"cash","start":246.33,"end":246.83,"confidence":0.98535156,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":0.10835124552249908},{"word":"is","start":246.97,"end":247.21,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.12832066416740415},{"word":"that","start":247.21,"end":247.37001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17567133903503418},{"word":"pretty","start":247.37001,"end":247.61,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.22857040166854856},{"word":"close","start":247.61,"end":247.85,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.19625772535800937},{"word":"to","start":247.85,"end":248.01001,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22140206396579745},{"word":"the","start":248.01001,"end":248.17,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19147904217243197},{"word":"mark","start":248.17,"end":248.41,"confidence":0.9951172,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":0.161161407828331},{"word":"as","start":248.41,"end":248.57,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2174935042858124},{"word":"well","start":248.57,"end":248.895,"confidence":0.9995117,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.13848300278186798},{"word":"yep","start":257.295,"end":257.795,"confidence":0.98095703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16474556922912598},{"word":"yeah","start":266.11002,"end":266.43,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09581218659877776},{"word":"you're","start":266.43,"end":266.67,"confidence":0.99658203,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0855855941772461},{"word":"doing","start":266.67,"end":266.91,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.09634488821029664},{"word":"some","start":266.91,"end":267.15,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.06806838512420654},{"word":"renovations","start":267.15,"end":267.65,"confidence":0.9914551,"punctuated_word":"renovations.","sentiment":"neutral","sentiment_score":0.06479205191135406},{"word":"and","start":270.11002,"end":270.43,"confidence":0.93603516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05904445052146912},{"word":"is","start":270.43,"end":270.59,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05637248605489731},{"word":"that","start":270.59,"end":270.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1102575659751892},{"word":"all","start":270.75,"end":270.91,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0897035226225853},{"word":"finished","start":270.91,"end":271.23,"confidence":1.0,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":0.07181154191493988},{"word":"now","start":271.23,"end":271.47,"confidence":0.9577637,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.05529399588704109},{"word":"would","start":271.47,"end":271.63,"confidence":0.9604492,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.021218910813331604},{"word":"you","start":271.63,"end":271.79,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027890793979167935},{"word":"start","start":271.79,"end":272.03,"confidence":0.28735352,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.03650612756609917},{"word":"a","start":272.03,"end":272.19,"confidence":0.7939453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030698563903570175},{"word":"few","start":272.19,"end":272.43,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.01915421336889267},{"word":"more","start":272.43,"end":272.59,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.01410827785730362},{"word":"things","start":272.59,"end":272.91,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.02728844434022903},{"word":"to","start":272.91,"end":272.99,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01297503523528576},{"word":"do","start":272.99,"end":273.15,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.003168061375617981},{"word":"around","start":273.15,"end":273.47,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.019874684512615204},{"word":"the","start":273.47,"end":273.55,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010453365743160248},{"word":"place","start":273.55,"end":274.005,"confidence":0.99560547,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":0.014246787875890732},{"word":"gotcha","start":280.325,"end":280.805,"confidence":0.9842122,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.030639803037047383},{"word":"gotcha","start":280.805,"end":281.305,"confidence":0.99902344,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.03126080334186554},{"word":"how","start":286.81998,"end":286.97998,"confidence":0.52490234,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.03949858248233795},{"word":"much","start":286.97998,"end":287.13998,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.02407519891858101},{"word":"do","start":287.13998,"end":287.21997,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03553899750113487},{"word":"you","start":287.21997,"end":287.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023965638130903244},{"word":"think","start":287.3,"end":287.46,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.027606431394815445},{"word":"that's","start":287.46,"end":287.69998,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.024797348305583},{"word":"gonna","start":287.69998,"end":287.94,"confidence":0.9873047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03327179700136185},{"word":"end","start":287.94,"end":288.09998,"confidence":0.9980469,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.0027875974774360657},{"word":"up","start":288.09998,"end":288.25998,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.022874552756547928},{"word":"costing","start":288.25998,"end":288.66,"confidence":0.9995117,"punctuated_word":"costing?","sentiment":"neutral","sentiment_score":-0.017149154096841812},{"word":"i","start":288.66,"end":288.81998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04286370053887367},{"word":"know","start":288.81998,"end":289.06,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.036203254014253616},{"word":"materials","start":289.06,"end":289.53998,"confidence":0.99609375,"punctuated_word":"materials","sentiment":"neutral","sentiment_score":-0.02985250204801559},{"word":"have","start":289.53998,"end":289.69998,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01833173632621765},{"word":"gone","start":289.69998,"end":289.86,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.009473159909248352},{"word":"up","start":289.86,"end":290.02,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.029879603534936905},{"word":"a","start":290.02,"end":290.09998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.029694687575101852},{"word":"bit","start":290.09998,"end":290.59998,"confidence":0.99902344,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.027083944529294968},{"word":"amazing","start":300.035,"end":300.535,"confidence":0.8190918,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.4945729970932007},{"word":"yeah","start":311.33,"end":311.83,"confidence":0.8105469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02954781614243984},{"word":"perfect","start":322.05,"end":322.37,"confidence":0.9951172,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5350891351699829},{"word":"thank","start":322.37,"end":322.61,"confidence":0.96777344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6334480047225952},{"word":"you","start":322.61,"end":322.69,"confidence":0.9873047,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.677886426448822},{"word":"for","start":322.69,"end":322.875,"confidence":0.55810547,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6716607213020325},{"word":"that","start":322.875,"end":323.035,"confidence":0.9951172,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5812329649925232},{"word":"and","start":323.035,"end":323.195,"confidence":0.9326172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.185521200299263},{"word":"the","start":323.195,"end":323.275,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11106689274311066},{"word":"last","start":323.275,"end":323.355,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08293072879314423},{"word":"two","start":323.355,"end":323.755,"confidence":0.9790039,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.052349962294101715},{"word":"details","start":323.755,"end":324.075,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.08208025991916656},{"word":"i","start":324.075,"end":324.235,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06030977517366409},{"word":"wanted","start":324.235,"end":324.555,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04731269180774689},{"word":"to","start":324.555,"end":324.635,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.053170450031757355},{"word":"update","start":324.635,"end":324.955,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.07409123331308365},{"word":"with","start":324.955,"end":325.035,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.051580965518951416},{"word":"you","start":325.035,"end":325.195,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08471560478210449},{"word":"is","start":325.195,"end":325.355,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05887670814990997},{"word":"just","start":325.355,"end":325.515,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06014284119009971},{"word":"in","start":325.515,"end":325.675,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.055699191987514496},{"word":"terms","start":325.675,"end":325.915,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.06957384943962097},{"word":"of","start":325.915,"end":326.075,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06174108758568764},{"word":"the","start":326.075,"end":326.235,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06679458171129227},{"word":"two","start":326.235,"end":326.475,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.06787681579589844},{"word":"trucks","start":326.475,"end":326.955,"confidence":0.8913574,"punctuated_word":"trucks.","sentiment":"neutral","sentiment_score":0.0513419471681118},{"word":"would","start":326.955,"end":327.275,"confidence":0.9980469,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.02926262468099594},{"word":"you","start":327.275,"end":327.355,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03906427323818207},{"word":"have","start":327.355,"end":327.595,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03500591963529587},{"word":"a","start":327.595,"end":327.675,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04300563037395477},{"word":"combined","start":327.675,"end":328.175,"confidence":1.0,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.06519533693790436},{"word":"resale","start":328.235,"end":328.715,"confidence":0.99194336,"punctuated_word":"resale","sentiment":"neutral","sentiment_score":0.04077105596661568},{"word":"value","start":328.715,"end":329.035,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.034255653619766235},{"word":"on","start":329.035,"end":329.195,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05161122605204582},{"word":"the","start":329.195,"end":329.275,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05492020770907402},{"word":"top","start":329.275,"end":329.515,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.05581319332122803},{"word":"of","start":329.515,"end":329.595,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07034759223461151},{"word":"your","start":329.595,"end":329.755,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.057433828711509705},{"word":"head","start":329.755,"end":329.995,"confidence":1.0,"punctuated_word":"head","sentiment":"neutral","sentiment_score":0.08065734058618546},{"word":"there","start":329.995,"end":330.315,"confidence":0.9921875,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.0549832247197628},{"word":"i","start":330.315,"end":330.475,"confidence":0.8154297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01728752814233303},{"word":"think","start":330.475,"end":330.715,"confidence":0.9614258,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.011674180626869202},{"word":"the","start":330.715,"end":330.875,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01167692430317402},{"word":"first","start":330.875,"end":331.115,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.007606770843267441},{"word":"truck","start":331.115,"end":331.355,"confidence":0.99902344,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":0.01483418233692646},{"word":"was","start":331.355,"end":331.595,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.011926153674721718},{"word":"about","start":331.595,"end":331.915,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.010833311825990675},{"word":"20,000","start":331.915,"end":332.735,"confidence":0.9968262,"punctuated_word":"20,000.","sentiment":"neutral","sentiment_score":0.027385864406824112},{"word":"yep","start":344.89,"end":345.29,"confidence":0.9797363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09290695190429688},{"word":"and","start":345.29,"end":345.61002,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07545741647481918},{"word":"in","start":345.61002,"end":345.85,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05079503357410431},{"word":"terms","start":345.85,"end":346.09003,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04849350452423096},{"word":"of","start":346.09003,"end":346.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07093705981969833},{"word":"the","start":346.25,"end":346.41,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0733553022146225},{"word":"savings","start":346.41,"end":346.89,"confidence":1.0,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.04197867959737778},{"word":"how","start":346.89,"end":347.05002,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03184627741575241},{"word":"much","start":347.05002,"end":347.21002,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07269373536109924},{"word":"has","start":347.21002,"end":347.37003,"confidence":0.74902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08217069506645203},{"word":"that","start":347.37003,"end":347.53003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10827995836734772},{"word":"gone","start":347.53003,"end":347.77002,"confidence":0.9921875,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.14801372587680817},{"word":"down","start":347.77002,"end":348.01,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11581742763519288},{"word":"to","start":348.01,"end":348.17,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09676848351955414},{"word":"in","start":348.17,"end":348.33002,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08682329952716827},{"word":"terms","start":348.33002,"end":348.57,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1005622297525406},{"word":"of","start":348.57,"end":348.81003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1134754940867424},{"word":"emergency","start":348.81003,"end":349.31003,"confidence":0.99609375,"punctuated_word":"emergency","sentiment":"neutral","sentiment_score":0.0786539763212204},{"word":"fund","start":349.45,"end":349.85,"confidence":0.68115234,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.10115261375904085},{"word":"for","start":349.85,"end":350.01,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13955506682395935},{"word":"you","start":350.01,"end":350.17,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1285383105278015},{"word":"guys","start":350.17,"end":350.67,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1631910353899002},{"word":"from","start":350.88498,"end":351.38498,"confidence":0.9770508,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05183814838528633},{"word":"the","start":352.66498,"end":353.16498,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019621817395091057},{"word":"yep","start":356.225,"end":356.725,"confidence":0.7607422,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022342588752508163},{"word":"yeah","start":358.005,"end":358.32498,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11931051313877106},{"word":"that","start":358.32498,"end":358.485,"confidence":0.98828125,"punctuated_word":"That","sentiment":"negative","sentiment_score":-0.3731175065040589},{"word":"paints","start":358.485,"end":358.805,"confidence":0.9951172,"punctuated_word":"paints","sentiment":"neutral","sentiment_score":-0.24927496910095215},{"word":"a","start":358.805,"end":358.88498,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6655514240264893},{"word":"good","start":358.88498,"end":359.125,"confidence":1.0,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.6891757249832153},{"word":"picture","start":359.125,"end":359.445,"confidence":0.79418945,"punctuated_word":"picture,","sentiment":"negative","sentiment_score":-0.6206004619598389},{"word":"so","start":359.445,"end":359.60498,"confidence":1.0,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.5573840141296387},{"word":"you've","start":359.60498,"end":359.845,"confidence":1.0,"punctuated_word":"you've","sentiment":"negative","sentiment_score":-0.5292145013809204},{"word":"got","start":359.845,"end":360.085,"confidence":0.68603516,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.24016115069389343},{"word":"to","start":360.085,"end":360.16498,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3283347189426422},{"word":"kind","start":360.16498,"end":360.405,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.22175012528896332},{"word":"of","start":360.405,"end":360.805,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27614742517471313},{"word":"build","start":360.805,"end":361.125,"confidence":0.9921875,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.3171108365058899},{"word":"it","start":361.125,"end":361.205,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2023787796497345},{"word":"back","start":361.205,"end":361.445,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.21418096125125885},{"word":"up","start":361.445,"end":361.60498,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.19702959060668945},{"word":"a","start":361.60498,"end":361.685,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21994757652282715},{"word":"little","start":361.685,"end":361.925,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.14656956493854523},{"word":"bit","start":361.925,"end":362.425,"confidence":0.9880371,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.1949065625667572},{"word":"okay","start":367.46002,"end":367.78,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11012984067201614},{"word":"and","start":367.78,"end":368.18,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09285761415958405},{"word":"with","start":368.18,"end":368.42,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12940774857997894},{"word":"the","start":368.42,"end":368.66,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15384982526302338},{"word":"savings","start":368.66,"end":369.16,"confidence":0.9995117,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.11083783209323884},{"word":"are","start":369.22,"end":369.38,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11256043612957},{"word":"you","start":369.38,"end":369.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1520283669233322},{"word":"able","start":369.54,"end":369.7,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.19518861174583435},{"word":"to","start":369.7,"end":369.86002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2138088047504425},{"word":"put","start":369.86002,"end":370.02002,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.17567476630210876},{"word":"aside","start":370.02002,"end":370.34,"confidence":0.9284668,"punctuated_word":"aside,","sentiment":"neutral","sentiment_score":0.16419637203216553},{"word":"like","start":370.34,"end":370.5,"confidence":0.99316406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15945497155189514},{"word":"a","start":370.5,"end":370.58002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22583416104316711},{"word":"set","start":370.58002,"end":370.82,"confidence":0.9980469,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2813781499862671},{"word":"amount","start":370.82,"end":371.14,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.26170361042022705},{"word":"every","start":371.14,"end":371.38,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.1849147379398346},{"word":"week","start":371.38,"end":371.62,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.19336159527301788},{"word":"to","start":371.62,"end":371.78,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18852338194847107},{"word":"go","start":371.78,"end":371.94,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1851547360420227},{"word":"towards","start":371.94,"end":372.42,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.14885558187961578},{"word":"building","start":372.42,"end":372.74002,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.18253277242183685},{"word":"the","start":372.74002,"end":372.98,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1387859433889389},{"word":"savings","start":372.98,"end":373.46002,"confidence":0.89086914,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.152325838804245},{"word":"or","start":373.46002,"end":373.7,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1546206772327423},{"word":"how's","start":373.7,"end":374.02002,"confidence":0.9748535,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.17597131431102753},{"word":"the","start":374.02002,"end":374.1,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16384544968605042},{"word":"budgeting","start":374.1,"end":374.6,"confidence":0.99853516,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":0.15508827567100525},{"word":"going","start":374.66,"end":375.135,"confidence":0.9995117,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.1194990649819374},{"word":"yep","start":388.11,"end":388.61,"confidence":0.8803711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.09695213288068771},{"word":"yeah","start":409.245,"end":409.745,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10606823861598969},{"word":"yep","start":411.165,"end":411.6,"confidence":0.7126465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.028644271194934845},{"word":"perfect","start":415.68,"end":416.08002,"confidence":0.99121094,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.43961843848228455},{"word":"perfect","start":416.08002,"end":416.48,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4116891622543335},{"word":"so","start":416.48,"end":416.98,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21347254514694217},{"word":"settle","start":417.04,"end":417.36002,"confidence":0.921875,"punctuated_word":"settle","sentiment":"neutral","sentiment_score":0.23948892951011655},{"word":"into","start":417.36002,"end":417.68,"confidence":0.9902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2690940797328949},{"word":"the","start":417.68,"end":417.76,"confidence":0.8354492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15176859498023987},{"word":"position","start":417.76,"end":418.26,"confidence":0.6933594,"punctuated_word":"position,","sentiment":"neutral","sentiment_score":0.1578226089477539},{"word":"build","start":418.80002,"end":419.04,"confidence":0.9902344,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.2526096701622009},{"word":"up","start":419.04,"end":419.12,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.28274035453796387},{"word":"the","start":419.12,"end":419.28,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38219308853149414},{"word":"savings","start":419.28,"end":419.76,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.27199700474739075},{"word":"again","start":419.76,"end":420.26,"confidence":0.9890137,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.2800716161727905},{"word":"and","start":422.48,"end":422.80002,"confidence":0.9470215,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.05561966449022293},{"word":"bob","start":422.80002,"end":423.12,"confidence":0.98999023,"punctuated_word":"Bob,","sentiment":"neutral","sentiment_score":0.06842486560344696},{"word":"i","start":423.12,"end":423.2,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05826207995414734},{"word":"wanted","start":423.2,"end":423.52002,"confidence":0.9902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.047973159700632095},{"word":"to","start":423.52002,"end":423.6,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05553096532821655},{"word":"update","start":423.6,"end":424.1,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.08180880546569824},{"word":"too","start":424.16,"end":424.48,"confidence":0.87841797,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.06705304235219955},{"word":"in","start":424.48,"end":424.64,"confidence":0.96435547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05472273379564285},{"word":"terms","start":424.64,"end":424.96,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.08430670201778412},{"word":"of","start":424.96,"end":425.04,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06465596705675125},{"word":"the","start":425.04,"end":425.54,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05475129559636116},{"word":"occupation","start":426.565,"end":427.065,"confidence":0.99902344,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.07782991230487823},{"word":"there","start":427.205,"end":427.60498,"confidence":0.95336914,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0577017106115818},{"word":"we","start":427.60498,"end":427.845,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.033496588468551636},{"word":"had","start":427.845,"end":428.00497,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.042232446372509},{"word":"you","start":428.00497,"end":428.16498,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037754617631435394},{"word":"earning","start":428.16498,"end":428.485,"confidence":0.9770508,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.051195546984672546},{"word":"about","start":428.485,"end":428.88498,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03456944227218628},{"word":"60,000","start":428.88498,"end":429.705,"confidence":0.9995117,"punctuated_word":"60,000","sentiment":"neutral","sentiment_score":0.046185947954654694},{"word":"as","start":429.925,"end":430.16498,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03594925254583359},{"word":"a","start":430.16498,"end":430.245,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04805612936615944},{"word":"bit","start":430.245,"end":430.405,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.037279240787029266},{"word":"of","start":430.405,"end":430.485,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.046593159437179565},{"word":"an","start":430.485,"end":430.72498,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03647560253739357},{"word":"admin","start":430.72498,"end":431.125,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.05393395200371742},{"word":"officer","start":431.125,"end":431.625,"confidence":0.9970703,"punctuated_word":"officer.","sentiment":"neutral","sentiment_score":0.029023809358477592},{"word":"has","start":431.845,"end":432.16498,"confidence":0.9980469,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":0.020112186670303345},{"word":"your","start":432.16498,"end":432.485,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01715942472219467},{"word":"role","start":432.485,"end":432.805,"confidence":1.0,"punctuated_word":"role","sentiment":"neutral","sentiment_score":0.0025565214455127716},{"word":"changed","start":432.805,"end":433.205,"confidence":0.9941406,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.002931654453277588},{"word":"very","start":433.205,"end":433.44498,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.007700320333242416},{"word":"much","start":433.44498,"end":433.94498,"confidence":0.9995117,"punctuated_word":"much?","sentiment":"neutral","sentiment_score":-0.002853628247976303},{"word":"perfect","start":437.44498,"end":437.94498,"confidence":0.9736328,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.034908365458250046},{"word":"who's","start":438.965,"end":439.28497,"confidence":0.80810547,"punctuated_word":"Who's","sentiment":"neutral","sentiment_score":-0.015235445462167265},{"word":"that","start":439.28497,"end":439.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0259479396045208},{"word":"for","start":439.525,"end":439.76498,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00714518129825592},{"word":"again","start":439.76498,"end":440.085,"confidence":0.96972656,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.016116976737976074},{"word":"in","start":440.085,"end":440.245,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.016336742788553238},{"word":"terms","start":440.245,"end":440.485,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.0015686526894569397},{"word":"of","start":440.485,"end":440.72498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009275242686271667},{"word":"employer","start":440.72498,"end":441.22498,"confidence":0.9880371,"punctuated_word":"employer?","sentiment":"neutral","sentiment_score":0.002334238961338997},{"word":"that's","start":457.245,"end":457.485,"confidence":0.8054199,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.009404784068465233},{"word":"what","start":457.485,"end":457.645,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02285498008131981},{"word":"i","start":457.645,"end":457.72498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004630230367183685},{"word":"was","start":457.72498,"end":457.88498,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.007128659635782242},{"word":"noticing","start":457.88498,"end":458.205,"confidence":0.9980469,"punctuated_word":"noticing","sentiment":"neutral","sentiment_score":0.008250076323747635},{"word":"because","start":458.205,"end":458.44498,"confidence":0.8105469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.019583959132432938},{"word":"there's","start":458.44498,"end":458.60498,"confidence":0.9951172,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.012912902049720287},{"word":"two","start":458.60498,"end":458.76498,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.02166740596294403},{"word":"different","start":458.76498,"end":459.16498,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.019808374345302585},{"word":"contributions","start":459.16498,"end":459.66498,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.02080797404050827},{"word":"coming","start":459.88498,"end":460.205,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.00637088343501091},{"word":"through","start":460.205,"end":460.705,"confidence":0.99316406,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.007219698280096054},{"word":"the","start":462.205,"end":462.525,"confidence":0.80908203,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.00669841468334198},{"word":"government's","start":462.525,"end":463.00497,"confidence":0.9807129,"punctuated_word":"government's","sentiment":"neutral","sentiment_score":0.0025249149184674025},{"word":"a","start":463.00497,"end":463.085,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.000938914716243744},{"word":"bit","start":463.085,"end":463.32498,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0013215262442827225},{"word":"higher","start":463.32498,"end":463.82498,"confidence":0.9975586,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":0.0031296266242861748},{"word":"yep","start":464.28497,"end":464.78497,"confidence":0.95996094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012674625031650066},{"word":"and","start":471.82,"end":472.14,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.007764886133372784},{"word":"that's","start":472.14,"end":472.38,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.03645109385251999},{"word":"wares","start":472.38,"end":472.88,"confidence":0.43603516,"punctuated_word":"Wares","sentiment":"neutral","sentiment_score":-0.03971317410469055},{"word":"creek","start":472.94,"end":473.44,"confidence":0.97265625,"punctuated_word":"Creek","sentiment":"neutral","sentiment_score":-0.03197050094604492},{"word":"preschool","start":474.3,"end":474.8,"confidence":0.42907715,"punctuated_word":"preschool,","sentiment":"neutral","sentiment_score":-0.06660251319408417},{"word":"not","start":476.06,"end":476.3,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06914643943309784},{"word":"for","start":476.3,"end":476.46,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.073611319065094},{"word":"profit","start":476.46,"end":476.96,"confidence":1.0,"punctuated_word":"profit.","sentiment":"neutral","sentiment_score":-0.07969455420970917},{"word":"now","start":478.79498,"end":479.03497,"confidence":0.9873047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.00013235211372375488},{"word":"just","start":479.03497,"end":479.35498,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012757666409015656},{"word":"quickly","start":479.35498,"end":479.75497,"confidence":0.92822266,"punctuated_word":"quickly,","sentiment":"neutral","sentiment_score":0.004705158993601799},{"word":"in","start":479.75497,"end":479.91498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008573353290557861},{"word":"terms","start":479.91498,"end":480.155,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.03312917798757553},{"word":"of","start":480.155,"end":480.315,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023727037012577057},{"word":"your","start":480.315,"end":480.79498,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0014516189694404602},{"word":"income","start":480.79498,"end":481.29498,"confidence":0.9975586,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.0034363456070423126},{"word":"are","start":481.435,"end":481.595,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02689530700445175},{"word":"they","start":481.595,"end":481.91498,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.009157046675682068},{"word":"pretty","start":481.91498,"end":482.155,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.002395033836364746},{"word":"well","start":482.155,"end":482.47498,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.008568957448005676},{"word":"equally","start":482.47498,"end":482.79498,"confidence":0.98828125,"punctuated_word":"equally","sentiment":"neutral","sentiment_score":0.0016952306032180786},{"word":"weighted","start":482.79498,"end":483.275,"confidence":0.9916992,"punctuated_word":"weighted?","sentiment":"neutral","sentiment_score":-0.005961078219115734},{"word":"like","start":483.275,"end":483.435,"confidence":0.99316406,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.016847994178533554},{"word":"is","start":483.435,"end":483.595,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02285739779472351},{"word":"it","start":483.595,"end":483.835,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01815607212483883},{"word":"fifty","start":483.835,"end":484.07498,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.028163902461528775},{"word":"fifty","start":484.07498,"end":484.47498,"confidence":0.9838867,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.01752898469567299},{"word":"between","start":484.47498,"end":484.875,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.02463824488222599},{"word":"where","start":484.875,"end":485.19498,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03211313486099243},{"word":"you","start":485.19498,"end":485.275,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019853297621011737},{"word":"get","start":485.275,"end":485.51498,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.02647464908659458},{"word":"the","start":485.51498,"end":485.675,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01830426976084709},{"word":"income","start":485.675,"end":486.07498,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.04190557822585106},{"word":"from","start":486.07498,"end":486.395,"confidence":0.94873047,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":-0.03434940427541733},{"word":"or","start":486.395,"end":486.63498,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04864639416337013},{"word":"is","start":486.63498,"end":486.79498,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.033518195152282715},{"word":"one","start":486.79498,"end":486.955,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.11033175885677338},{"word":"a","start":486.955,"end":487.115,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07024367153644562},{"word":"bit","start":487.115,"end":487.275,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.166126549243927},{"word":"more","start":487.275,"end":487.435,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.20045000314712524},{"word":"than","start":487.435,"end":487.595,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.1645786464214325},{"word":"the","start":487.595,"end":487.75497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11237816512584686},{"word":"other","start":487.75497,"end":488.25497,"confidence":0.9995117,"punctuated_word":"other?","sentiment":"neutral","sentiment_score":-0.16682517528533936},{"word":"gotcha","start":495.21,"end":495.71,"confidence":0.8836263,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.02174608968198299},{"word":"okay","start":495.77,"end":496.27,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06547574698925018},{"word":"profit","start":500.25,"end":500.75,"confidence":0.9555664,"punctuated_word":"Profit.","sentiment":"neutral","sentiment_score":0.17025581002235413},{"word":"perfect","start":501.05,"end":501.55,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6962988972663879},{"word":"that's","start":501.61002,"end":501.85,"confidence":0.99609375,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.49924665689468384},{"word":"what","start":501.85,"end":502.09,"confidence":0.99609375,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5596240162849426},{"word":"i","start":502.09,"end":502.25,"confidence":0.9614258,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.605514407157898},{"word":"needed","start":502.25,"end":502.75,"confidence":1.0,"punctuated_word":"needed.","sentiment":"positive","sentiment_score":0.512175440788269},{"word":"and","start":504.335,"end":504.735,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11934477090835573},{"word":"in","start":504.735,"end":504.975,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08809927850961685},{"word":"terms","start":504.975,"end":505.455,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.0742541253566742},{"word":"of","start":505.455,"end":505.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10080500692129137},{"word":"family","start":505.775,"end":506.175,"confidence":0.9995117,"punctuated_word":"family,","sentiment":"neutral","sentiment_score":0.11528851091861723},{"word":"we","start":506.175,"end":506.335,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10037264227867126},{"word":"just","start":506.335,"end":506.495,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10331875085830688},{"word":"had","start":506.495,"end":506.735,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.10026155412197112},{"word":"you","start":506.735,"end":506.975,"confidence":0.9194336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09291206300258636},{"word":"obviously","start":506.975,"end":507.29498,"confidence":0.7163086,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.08672001957893372},{"word":"married","start":507.29498,"end":507.695,"confidence":0.9902344,"punctuated_word":"married","sentiment":"neutral","sentiment_score":0.11135701835155488},{"word":"with","start":507.695,"end":508.01498,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11233209818601608},{"word":"two","start":508.01498,"end":508.415,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10329706966876984},{"word":"dependent","start":508.415,"end":508.915,"confidence":0.99902344,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":0.13152410089969635},{"word":"children","start":508.975,"end":509.375,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.09934696555137634},{"word":"at","start":509.375,"end":509.535,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08425009250640869},{"word":"the","start":509.535,"end":509.775,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13559624552726746},{"word":"time","start":509.775,"end":510.275,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.11959442496299744},{"word":"amazing","start":512.015,"end":512.495,"confidence":0.99560547,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.5711607933044434},{"word":"and","start":512.495,"end":512.65497,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2305537313222885},{"word":"you","start":512.65497,"end":512.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1773725003004074},{"word":"didn't","start":512.815,"end":513.135,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.1791418045759201},{"word":"end","start":513.135,"end":513.295,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.13824015855789185},{"word":"up","start":513.295,"end":513.455,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07973247021436691},{"word":"getting","start":513.455,"end":513.695,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.08417893201112747},{"word":"a","start":513.695,"end":513.935,"confidence":0.9250488,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.11793139576911926},{"word":"like","start":513.935,"end":514.175,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15955573320388794},{"word":"a","start":514.175,"end":514.255,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17807888984680176},{"word":"will","start":514.255,"end":514.495,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12426246702671052},{"word":"or","start":514.495,"end":514.65497,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11793477088212968},{"word":"a","start":514.65497,"end":514.735,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13725699484348297},{"word":"power","start":514.735,"end":514.975,"confidence":1.0,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.14394499361515045},{"word":"of","start":514.975,"end":515.135,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20102152228355408},{"word":"attorney","start":515.135,"end":515.535,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.11010702699422836},{"word":"in","start":515.535,"end":515.695,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08434395492076874},{"word":"place","start":515.695,"end":516.195,"confidence":0.99365234,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":0.10488861799240112},{"word":"i","start":520.21,"end":520.37,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03943965211510658},{"word":"can","start":520.37,"end":520.61005,"confidence":0.9770508,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.027147453278303143},{"word":"imagine","start":520.61005,"end":521.09,"confidence":0.8925781,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":-0.023306790739297867},{"word":"absolutely","start":521.09,"end":521.59,"confidence":0.9909668,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.0576515793800354},{"word":"it's","start":521.73004,"end":521.89,"confidence":0.9140625,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09716569632291794},{"word":"just","start":521.89,"end":522.29004,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11905553936958312},{"word":"everyone's","start":522.37,"end":522.77,"confidence":0.9926758,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":-0.26181530952453613},{"word":"just","start":522.77,"end":522.93,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.23213165998458865},{"word":"trying","start":522.93,"end":523.05005,"confidence":0.99902344,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.19065436720848083},{"word":"to","start":523.05005,"end":523.17004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17846141755580902},{"word":"get","start":523.17004,"end":523.49005,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15547174215316772},{"word":"by","start":523.49005,"end":523.65,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.13016700744628906},{"word":"at","start":523.65,"end":523.73004,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.188261941075325},{"word":"the","start":523.73004,"end":523.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15074452757835388},{"word":"moment","start":523.81,"end":524.31,"confidence":0.99853516,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.11540156602859496},{"word":"no","start":534.625,"end":534.865,"confidence":0.9111328,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07739344239234924},{"word":"that's","start":534.865,"end":535.185,"confidence":0.98950195,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.033089298754930496},{"word":"fine","start":535.185,"end":535.505,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.09662428498268127},{"word":"i","start":535.505,"end":535.665,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1233089044690132},{"word":"just","start":535.665,"end":535.82495,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16424912214279175},{"word":"wanted","start":535.82495,"end":536.14496,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.15508148074150083},{"word":"to","start":536.14496,"end":536.305,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17248401045799255},{"word":"check","start":536.305,"end":536.46497,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1857900470495224},{"word":"with","start":536.46497,"end":536.625,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17004360258579254},{"word":"you","start":536.625,"end":536.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1478349268436432},{"word":"today","start":536.785,"end":537.26495,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.13939908146858215},{"word":"if","start":537.26495,"end":537.58496,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14148491621017456},{"word":"you","start":537.58496,"end":537.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1051369458436966},{"word":"wanted","start":537.745,"end":538.065,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11317159980535509},{"word":"me","start":538.065,"end":538.225,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1518593430519104},{"word":"to","start":538.225,"end":538.38495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1787112057209015},{"word":"send","start":538.38495,"end":538.625,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.13365696370601654},{"word":"through","start":538.625,"end":538.865,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13438428938388824},{"word":"some","start":538.865,"end":539.26495,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14455601572990415},{"word":"forms","start":539.26495,"end":539.76495,"confidence":0.99902344,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.11670328676700592},{"word":"for","start":539.90497,"end":540.40497,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2009960263967514},{"word":"your","start":540.545,"end":540.785,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16464845836162567},{"word":"super","start":540.785,"end":541.185,"confidence":0.9970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1497245579957962},{"word":"beneficiary","start":541.185,"end":541.685,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.143328458070755},{"word":"to","start":542.25995,"end":542.42,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18771764636039737},{"word":"get","start":542.42,"end":542.5,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1564009040594101},{"word":"that","start":542.5,"end":542.74,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17109502851963043},{"word":"updated","start":542.74,"end":543.22,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1799399107694626},{"word":"on","start":543.22,"end":543.45996,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16351142525672913},{"word":"hub","start":543.45996,"end":543.77997,"confidence":0.57421875,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.12836028635501862},{"word":"since","start":543.77997,"end":544.01996,"confidence":0.54833984,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.1041036993265152},{"word":"remember","start":544.25995,"end":544.66,"confidence":0.9970703,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.08826814591884613},{"word":"we","start":544.66,"end":544.81995,"confidence":0.6196289,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0849657878279686},{"word":"changed","start":544.81995,"end":545.13995,"confidence":0.93359375,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.09469243884086607},{"word":"you","start":545.13995,"end":545.3,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07311278581619263},{"word":"over","start":545.3,"end":545.54,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0817132443189621},{"word":"from","start":545.54,"end":545.69995,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06260441243648529},{"word":"netwealth","start":545.69995,"end":546.18,"confidence":0.9343262,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.05209013819694519},{"word":"to","start":546.18,"end":546.33997,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0875517725944519},{"word":"hub","start":546.33997,"end":546.81995,"confidence":0.72802734,"punctuated_word":"Hub.","sentiment":"neutral","sentiment_score":0.08448775112628937},{"word":"i","start":546.81995,"end":546.89996,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08165052533149719},{"word":"think","start":546.89996,"end":547.13995,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.07347843050956726},{"word":"we","start":547.13995,"end":547.22,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11045300960540771},{"word":"still","start":547.22,"end":547.45996,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08502370119094849},{"word":"needed","start":547.45996,"end":547.77997,"confidence":0.9838867,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.07912285625934601},{"word":"to","start":547.77997,"end":547.86,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12774308025836945},{"word":"list","start":547.86,"end":548.1,"confidence":0.99316406,"punctuated_word":"list","sentiment":"neutral","sentiment_score":0.09676077216863632},{"word":"somebody","start":548.1,"end":548.5,"confidence":1.0,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":0.10558557510375977},{"word":"on","start":548.5,"end":548.74,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11321478337049484},{"word":"the","start":548.74,"end":548.81995,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10318483412265778},{"word":"super","start":548.81995,"end":549.13995,"confidence":0.77441406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.11932532489299774},{"word":"there","start":549.13995,"end":549.63995,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15172316133975983},{"word":"if","start":550.01996,"end":550.25995,"confidence":0.5722656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18736693263053897},{"word":"it","start":550.25995,"end":550.5,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21807290613651276},{"word":"would","start":550.5,"end":550.66,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2105504870414734},{"word":"be","start":550.66,"end":550.74,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2663179337978363},{"word":"easy","start":550.74,"end":551.06,"confidence":0.98291016,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.2156554013490677},{"word":"for","start":551.06,"end":551.22,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23636439442634585},{"word":"me","start":551.22,"end":551.38,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1831221729516983},{"word":"to","start":551.38,"end":551.54,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22065232694149017},{"word":"kind","start":551.54,"end":551.77997,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12831681966781616},{"word":"of","start":551.77997,"end":551.86,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21544839441776276},{"word":"put","start":551.86,"end":552.1,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.17834386229515076},{"word":"together","start":552.1,"end":552.6,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.17939111590385437},{"word":"some","start":553.06,"end":553.22,"confidence":0.8857422,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.18688520789146423},{"word":"prefilled","start":553.22,"end":553.72,"confidence":0.8457031,"punctuated_word":"prefilled","sentiment":"neutral","sentiment_score":0.20241069793701172},{"word":"forms","start":553.77997,"end":554.1,"confidence":0.9980469,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.11406084150075912},{"word":"for","start":554.1,"end":554.25995,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20810972154140472},{"word":"you","start":554.25995,"end":554.42,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1703604757785797},{"word":"just","start":554.42,"end":554.66,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17332163453102112},{"word":"to","start":554.66,"end":554.74,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1336318403482437},{"word":"make","start":554.74,"end":554.775,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2005334198474884},{"word":"it","start":554.775,"end":554.81,"confidence":0.9448242,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23041528463363647},{"word":"a","start":554.81,"end":555.06,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2137904018163681},{"word":"bit","start":555.06,"end":555.3,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15536224842071533},{"word":"easier","start":555.3,"end":555.8,"confidence":0.9941406,"punctuated_word":"easier.","sentiment":"neutral","sentiment_score":0.17701435089111328},{"word":"when","start":560.465,"end":560.705,"confidence":0.98535156,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.03711717203259468},{"word":"it","start":560.705,"end":560.78503,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03582417964935303},{"word":"comes","start":560.78503,"end":561.10504,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.030547205358743668},{"word":"to","start":561.10504,"end":561.265,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030792370438575745},{"word":"the","start":561.265,"end":561.425,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03846278786659241},{"word":"beneficiary","start":561.425,"end":561.925,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.08660844713449478},{"word":"nominations","start":562.065,"end":562.545,"confidence":0.99902344,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.053839948028326035},{"word":"of","start":562.545,"end":562.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03820847347378731},{"word":"who","start":562.705,"end":562.945,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.031520769000053406},{"word":"it","start":562.945,"end":563.025,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04832072556018829},{"word":"goes","start":563.025,"end":563.34503,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.04005873203277588},{"word":"to","start":563.34503,"end":563.84503,"confidence":0.9873047,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.02590987458825111},{"word":"is","start":563.985,"end":564.145,"confidence":0.97314453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.003477010875940323},{"word":"it","start":564.145,"end":564.22504,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.024348866194486615},{"word":"just","start":564.22504,"end":564.465,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012181974947452543},{"word":"going","start":564.465,"end":564.705,"confidence":0.98828125,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.01895089820027351},{"word":"to","start":564.705,"end":564.78503,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01660865917801857},{"word":"your","start":564.78503,"end":565.025,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006187796592712402},{"word":"partner","start":565.025,"end":565.505,"confidence":0.7770996,"punctuated_word":"partner?","sentiment":"neutral","sentiment_score":0.01695757918059826},{"word":"or","start":565.505,"end":566.005,"confidence":0.96972656,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.007854532450437546},{"word":"yeah","start":571.04004,"end":571.44,"confidence":0.9875488,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04264918342232704},{"word":"and","start":571.44,"end":571.68005,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05073370784521103},{"word":"that's","start":571.68005,"end":571.84,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.048534493893384933},{"word":"the","start":571.84,"end":571.92004,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05737526714801788},{"word":"thing","start":571.92004,"end":572.08,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.08653014153242111},{"word":"is","start":572.08,"end":572.24005,"confidence":0.9116211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05945034325122833},{"word":"when","start":572.24005,"end":572.4,"confidence":0.97314453,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06122460961341858},{"word":"you","start":572.4,"end":572.64,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08739154040813446},{"word":"nominate","start":572.64,"end":573.04004,"confidence":0.9892578,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.05288316309452057},{"word":"someone","start":573.04004,"end":573.36005,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.04749726876616478},{"word":"18","start":573.36005,"end":574.18005,"confidence":0.9942627,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":0.05586254969239235},{"word":"whoever","start":574.80005,"end":575.2,"confidence":0.9716797,"punctuated_word":"whoever","sentiment":"neutral","sentiment_score":0.050077758729457855},{"word":"becomes","start":575.2,"end":575.60004,"confidence":0.99902344,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":0.053281012922525406},{"word":"their","start":575.60004,"end":575.76,"confidence":0.9428711,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.028873920440673828},{"word":"guardian","start":575.76,"end":576.24005,"confidence":0.9980469,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":0.04894215986132622},{"word":"kind","start":576.24005,"end":576.4,"confidence":0.9658203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.020298480987548828},{"word":"of","start":576.4,"end":576.56,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04686561971902847},{"word":"controls","start":576.56,"end":577.04004,"confidence":1.0,"punctuated_word":"controls","sentiment":"neutral","sentiment_score":0.04123234003782272},{"word":"the","start":577.04004,"end":577.2,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03795681148767471},{"word":"funds","start":577.2,"end":577.7,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.05484438315033913},{"word":"on","start":577.92004,"end":578.16003,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1008739173412323},{"word":"their","start":578.16003,"end":578.4,"confidence":1.0,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.06787499785423279},{"word":"behalf","start":578.4,"end":578.88,"confidence":1.0,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.0868925154209137},{"word":"as","start":578.88,"end":579.12006,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09466855227947236},{"word":"well","start":579.12006,"end":579.62006,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07065705955028534},{"word":"hey","start":582.255,"end":582.415,"confidence":0.57263184,"punctuated_word":"Hey,","sentiment":"neutral","sentiment_score":0.052029162645339966},{"word":"bob","start":582.415,"end":582.735,"confidence":0.7910156,"punctuated_word":"Bob.","sentiment":"neutral","sentiment_score":0.04569484293460846},{"word":"do","start":582.735,"end":582.89496,"confidence":0.9941406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.015381351113319395},{"word":"you","start":582.89496,"end":582.975,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02179261669516563},{"word":"have","start":582.975,"end":583.055,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01581556722521782},{"word":"a","start":583.055,"end":583.21497,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007630880922079086},{"word":"preference","start":583.21497,"end":583.695,"confidence":1.0,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":-0.012160971760749815},{"word":"between","start":583.695,"end":584.195,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.008019443601369858},{"word":"in","start":585.21497,"end":585.375,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004656907171010971},{"word":"terms","start":585.375,"end":585.615,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.039502568542957306},{"word":"of","start":585.615,"end":585.77496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009490814059972765},{"word":"the","start":585.77496,"end":585.935,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02474062889814377},{"word":"nominations","start":585.935,"end":586.33496,"confidence":0.9951172,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.012387181632220743},{"word":"you","start":586.33496,"end":586.495,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025425538420677185},{"word":"can","start":586.495,"end":586.65497,"confidence":0.98535156,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01634308695793152},{"word":"make","start":586.65497,"end":586.815,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.004750050604343414},{"word":"it","start":586.815,"end":586.975,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016455233097076416},{"word":"that","start":586.975,"end":587.21497,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0034454315900802612},{"word":"it","start":587.21497,"end":587.375,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.012258000671863556},{"word":"expires","start":587.375,"end":587.875,"confidence":1.0,"punctuated_word":"expires","sentiment":"neutral","sentiment_score":-0.010884083807468414},{"word":"every","start":587.935,"end":588.175,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.014919467270374298},{"word":"three","start":588.175,"end":588.415,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.039267174899578094},{"word":"years","start":588.415,"end":588.735,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.020779959857463837},{"word":"to","start":588.735,"end":588.89496,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05538317188620567},{"word":"kind","start":588.89496,"end":589.055,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08377007395029068},{"word":"of","start":589.055,"end":589.21497,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0998387411236763},{"word":"force","start":589.21497,"end":589.535,"confidence":1.0,"punctuated_word":"force","sentiment":"neutral","sentiment_score":-0.13226091861724854},{"word":"people","start":589.535,"end":589.935,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.05104942619800568},{"word":"to","start":589.935,"end":590.01495,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0515841543674469},{"word":"check","start":590.01495,"end":590.33496,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.052476853132247925},{"word":"them","start":590.33496,"end":590.83496,"confidence":0.86450195,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.01424940675497055},{"word":"or","start":590.89496,"end":591.135,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03248906880617142},{"word":"you","start":591.135,"end":591.295,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02185026928782463},{"word":"can","start":591.295,"end":591.535,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.022934578359127045},{"word":"make","start":591.535,"end":591.695,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.017678409814834595},{"word":"it","start":591.695,"end":591.935,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0494522824883461},{"word":"continuous","start":591.935,"end":592.435,"confidence":0.9875488,"punctuated_word":"continuous,","sentiment":"neutral","sentiment_score":0.011839166283607485},{"word":"which","start":593.03,"end":593.19,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.021170541644096375},{"word":"is","start":593.19,"end":593.31,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0008947178721427917},{"word":"a","start":593.31,"end":593.43,"confidence":0.9194336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005684962496161461},{"word":"non","start":593.43,"end":593.83,"confidence":0.9760742,"punctuated_word":"non","sentiment":"neutral","sentiment_score":-0.025065600872039795},{"word":"lapsing","start":593.83,"end":594.33,"confidence":0.85546875,"punctuated_word":"lapsing.","sentiment":"neutral","sentiment_score":-0.03584979102015495},{"word":"it","start":594.47003,"end":594.55,"confidence":0.6425781,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0019269585609436035},{"word":"doesn't","start":594.55,"end":594.87,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.03599005565047264},{"word":"change","start":594.87,"end":595.11,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.07648327946662903},{"word":"unless","start":595.11,"end":595.51,"confidence":0.9980469,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.06425418704748154},{"word":"you","start":595.51,"end":595.67,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04568621143698692},{"word":"decide","start":595.67,"end":596.07,"confidence":0.9970703,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.05311193689703941},{"word":"to","start":596.07,"end":596.23004,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027774259448051453},{"word":"change","start":596.23004,"end":596.39,"confidence":0.9980469,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.022880416363477707},{"word":"it","start":596.39,"end":596.89,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.02735879272222519},{"word":"yeah","start":598.71,"end":598.87,"confidence":0.9707031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08511316776275635},{"word":"yep","start":598.87,"end":599.11,"confidence":0.85546875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2384379506111145},{"word":"that's","start":599.11,"end":599.43,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6917175650596619},{"word":"good","start":599.43,"end":599.75,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6536866426467896},{"word":"bit","start":599.75,"end":599.99,"confidence":0.77734375,"punctuated_word":"Bit","sentiment":"neutral","sentiment_score":0.30209463834762573},{"word":"of","start":599.99,"end":600.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2246189117431641},{"word":"a","start":600.15,"end":600.23004,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2730005979537964},{"word":"refresher","start":600.23004,"end":600.73004,"confidence":0.99641925,"punctuated_word":"refresher.","sentiment":"neutral","sentiment_score":0.26243576407432556},{"word":"absolutely","start":602.23004,"end":602.73004,"confidence":0.99121094,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.26662448048591614},{"word":"and","start":603.19,"end":603.69,"confidence":0.85839844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.014572707936167715},{"word":"yeah","start":605.03,"end":605.53,"confidence":0.98706055,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10429098457098009},{"word":"amazing","start":610.555,"end":611.055,"confidence":0.8798828,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.7234115600585938},{"word":"and","start":611.115,"end":611.435,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.6403674483299255},{"word":"we'll","start":611.435,"end":611.675,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.6517653465270996},{"word":"obviously","start":611.675,"end":612.07495,"confidence":0.9741211,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.6800883412361145},{"word":"bring","start":612.07495,"end":612.235,"confidence":0.99902344,"punctuated_word":"bring","sentiment":"positive","sentiment_score":0.665442705154419},{"word":"it","start":612.235,"end":612.39496,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.620462954044342},{"word":"up","start":612.39496,"end":612.71497,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5745794177055359},{"word":"during","start":612.71497,"end":612.95496,"confidence":1.0,"punctuated_word":"during","sentiment":"positive","sentiment_score":0.6025080680847168},{"word":"the","start":612.95496,"end":613.115,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.622342586517334},{"word":"reviews","start":613.115,"end":613.51495,"confidence":1.0,"punctuated_word":"reviews","sentiment":"positive","sentiment_score":0.48930495977401733},{"word":"as","start":613.51495,"end":613.595,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4752890169620514},{"word":"well","start":613.595,"end":613.75494,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5710130929946899},{"word":"just","start":613.75494,"end":613.875,"confidence":0.9223633,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.584469735622406},{"word":"to","start":613.875,"end":613.995,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4678959846496582},{"word":"make","start":613.995,"end":614.15497,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4684413969516754},{"word":"sure","start":614.15497,"end":614.31494,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.5422425270080566},{"word":"that","start":614.31494,"end":614.39496,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5650600790977478},{"word":"you're","start":614.39496,"end":614.63495,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.597452700138092},{"word":"still","start":614.63495,"end":614.795,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.45834559202194214},{"word":"happy","start":614.795,"end":615.035,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.570549726486206},{"word":"with","start":615.035,"end":615.19495,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6601912379264832},{"word":"it","start":615.19495,"end":615.355,"confidence":0.8442383,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.5771968960762024},{"word":"and","start":615.355,"end":615.51495,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13575440645217896},{"word":"if","start":615.51495,"end":615.675,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09894585609436037},{"word":"there's","start":615.675,"end":615.915,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07198266685009003},{"word":"any","start":615.915,"end":616.15497,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04413320869207382},{"word":"changes","start":616.15497,"end":616.475,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.0008252803236246109},{"word":"that","start":616.475,"end":616.63495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005453150719404221},{"word":"need","start":616.63495,"end":616.875,"confidence":0.9951172,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.00843675248324871},{"word":"to","start":616.875,"end":616.95496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010606979951262474},{"word":"be","start":616.95496,"end":617.115,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.015998782590031624},{"word":"done","start":617.115,"end":617.615,"confidence":0.9794922,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":0.010251963511109352},{"word":"you","start":618.94,"end":619.1,"confidence":0.9863281,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.002429626882076263},{"word":"can","start":619.1,"end":619.42,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.002857666462659836},{"word":"make","start":619.42,"end":619.57996,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.00010975450277328493},{"word":"it","start":619.57996,"end":620.07996,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00998099520802498},{"word":"legally","start":620.22,"end":620.62,"confidence":1.0,"punctuated_word":"legally","sentiment":"neutral","sentiment_score":-0.018657170236110687},{"word":"binding","start":620.62,"end":621.1,"confidence":1.0,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":-0.006883453577756882},{"word":"so","start":621.1,"end":621.33997,"confidence":0.46972656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.002941165119409561},{"word":"the","start":621.33997,"end":621.5,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026813935488462448},{"word":"super","start":621.5,"end":621.74,"confidence":0.8125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04069351777434349},{"word":"fund","start":621.74,"end":622.06,"confidence":0.8964844,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.03302055597305298},{"word":"has","start":622.06,"end":622.22,"confidence":0.98291016,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.02913530170917511},{"word":"to","start":622.22,"end":622.38,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029475722461938855},{"word":"do","start":622.38,"end":622.54,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03035319223999977},{"word":"it","start":622.54,"end":623.04,"confidence":0.75683594,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02956178598105907},{"word":"or","start":623.18,"end":623.42,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.013620790094137192},{"word":"it's","start":623.42,"end":623.66,"confidence":0.9543457,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.026927730068564415},{"word":"a","start":623.66,"end":623.74,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0054338667541742325},{"word":"bit","start":623.74,"end":623.98,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00044929608702659607},{"word":"of","start":623.98,"end":624.13995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01822570338845253},{"word":"a","start":624.13995,"end":624.3,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013562843203544617},{"word":"strange","start":624.3,"end":624.69995,"confidence":1.0,"punctuated_word":"strange","sentiment":"neutral","sentiment_score":-0.015186436474323273},{"word":"question","start":624.69995,"end":625.01996,"confidence":0.98291016,"punctuated_word":"question,","sentiment":"neutral","sentiment_score":-0.01781827211380005},{"word":"but","start":625.01996,"end":625.25995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.005610540509223938},{"word":"you","start":625.25995,"end":625.42,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009232558310031893},{"word":"can","start":625.42,"end":625.92,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.00430617481470108},{"word":"make","start":626.06,"end":626.3,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.01564112678170204},{"word":"it","start":626.3,"end":626.54,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.007686085999011993},{"word":"non","start":626.54,"end":627.01996,"confidence":0.9267578,"punctuated_word":"non","sentiment":"neutral","sentiment_score":-0.017503812909126282},{"word":"legally","start":627.01996,"end":627.42,"confidence":0.7446289,"punctuated_word":"legally","sentiment":"neutral","sentiment_score":-0.015743792057037354},{"word":"binding","start":627.42,"end":627.82,"confidence":1.0,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":-0.019872326403856277},{"word":"so","start":627.82,"end":627.98,"confidence":0.875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0063809119164943695},{"word":"the","start":627.98,"end":628.22,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02293921634554863},{"word":"super","start":628.22,"end":628.45996,"confidence":0.9970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0023282021284103394},{"word":"fund","start":628.45996,"end":628.69995,"confidence":0.9951172,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.031230270862579346},{"word":"has","start":628.69995,"end":628.86,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.044461481273174286},{"word":"a","start":628.86,"end":629.01996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053081072866916656},{"word":"bit","start":629.01996,"end":629.18,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06869589537382126},{"word":"of","start":629.18,"end":629.33997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.055825818330049515},{"word":"discretion","start":629.33997,"end":629.83997,"confidence":1.0,"punctuated_word":"discretion","sentiment":"neutral","sentiment_score":0.026804283261299133},{"word":"there","start":629.98,"end":630.45996,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.018976228311657906},{"word":"do","start":630.45996,"end":630.555,"confidence":0.57666016,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0007836874574422836},{"word":"you","start":630.71497,"end":630.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0023655295372009277},{"word":"have","start":630.875,"end":630.955,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004248974844813347},{"word":"a","start":630.955,"end":631.035,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0056757377460598946},{"word":"preference","start":631.035,"end":631.535,"confidence":1.0,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":0.006403468549251556},{"word":"between","start":631.595,"end":631.835,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0000925268977880478},{"word":"those","start":631.835,"end":632.075,"confidence":0.99902344,"punctuated_word":"those?","sentiment":"neutral","sentiment_score":0.0007778499275445938},{"word":"i","start":632.075,"end":632.15497,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04771044850349426},{"word":"know","start":632.15497,"end":632.315,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06204058229923248},{"word":"it's","start":632.315,"end":632.355,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08479863405227661},{"word":"a","start":632.355,"end":632.395,"confidence":0.9116211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08180302381515503},{"word":"bit","start":632.395,"end":632.555,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10829342901706696},{"word":"of","start":632.555,"end":632.71497,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11783252656459808},{"word":"a","start":632.71497,"end":632.795,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12433335930109024},{"word":"silly","start":632.795,"end":633.115,"confidence":1.0,"punctuated_word":"silly","sentiment":"neutral","sentiment_score":-0.10725624859333038},{"word":"question","start":633.115,"end":633.615,"confidence":0.9995117,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.08810338377952576},{"word":"yeah","start":639.835,"end":640.335,"confidence":0.81103516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1146051436662674},{"word":"yeah","start":642.235,"end":642.475,"confidence":0.97875977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17062106728553772},{"word":"in","start":642.475,"end":642.555,"confidence":0.52441406,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.16895274817943573},{"word":"that","start":642.555,"end":642.795,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2102346122264862},{"word":"way","start":642.795,"end":643.115,"confidence":0.9758301,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.21417930722236633},{"word":"there's","start":643.115,"end":643.355,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.22273463010787964},{"word":"no","start":643.355,"end":643.855,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1762131303548813},{"word":"issues","start":643.915,"end":644.395,"confidence":1.0,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":0.16022977232933044},{"word":"when","start":644.395,"end":644.555,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2502816617488861},{"word":"it","start":644.555,"end":644.71497,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2256125956773758},{"word":"goes","start":644.71497,"end":645.035,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.1964777708053589},{"word":"through","start":645.035,"end":645.535,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2298572808504105},{"word":"the","start":646.15,"end":646.23,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2401295900344849},{"word":"legal","start":646.23,"end":646.71,"confidence":0.8852539,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.1707383692264557},{"word":"system","start":646.71,"end":647.21,"confidence":0.9946289,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":0.2422078102827072},{"word":"it's","start":647.35,"end":647.59,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.30009233951568604},{"word":"pretty","start":647.59,"end":647.91,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.23607471585273743},{"word":"straightforward","start":647.91,"end":648.41,"confidence":0.99853516,"punctuated_word":"straightforward.","sentiment":"neutral","sentiment_score":0.2953464984893799},{"word":"so","start":648.87,"end":649.19,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1974894255399704},{"word":"what","start":649.19,"end":649.35,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16334490478038788},{"word":"i'll","start":649.35,"end":649.59,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1410379856824875},{"word":"do","start":649.59,"end":649.75,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1692182719707489},{"word":"is","start":649.75,"end":649.99,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11761097609996796},{"word":"i'll","start":649.99,"end":650.39,"confidence":0.9946289,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12589441239833832},{"word":"get","start":650.39,"end":650.89,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11474673449993134},{"word":"those","start":651.11,"end":651.43,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1368483304977417},{"word":"details","start":651.43,"end":651.91,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.13496866822242737},{"word":"in","start":651.91,"end":652.07,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10953319072723389},{"word":"there","start":652.07,"end":652.57,"confidence":0.99853516,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11611177027225494},{"word":"would","start":652.87,"end":653.03,"confidence":0.99902344,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.14505839347839355},{"word":"it","start":653.03,"end":653.19,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1562580764293671},{"word":"be","start":653.19,"end":653.35,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1735202968120575},{"word":"easier","start":653.35,"end":653.67,"confidence":0.99609375,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.14893671870231628},{"word":"for","start":653.67,"end":653.83,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22320275008678436},{"word":"you","start":653.83,"end":653.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15151122212409973},{"word":"to","start":653.91,"end":654.07,"confidence":0.78027344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1567639708518982},{"word":"because","start":654.15,"end":654.39,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12988325953483582},{"word":"normally","start":654.39,"end":654.71,"confidence":0.8457031,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.16517798602581024},{"word":"with","start":654.71,"end":654.87,"confidence":0.68603516,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1189751848578453},{"word":"those","start":654.87,"end":655.11,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.11214899271726608},{"word":"beneficiaries","start":655.11,"end":655.59,"confidence":0.9770508,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.1328703612089157},{"word":"we","start":655.59,"end":655.75,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12526550889015198},{"word":"send","start":655.75,"end":655.91,"confidence":0.9970703,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.14388823509216309},{"word":"them","start":655.91,"end":656.07,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.13790258765220642},{"word":"out","start":656.07,"end":656.57,"confidence":0.91552734,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.1322033703327179},{"word":"you","start":656.95,"end":657.11,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12666679918766022},{"word":"can","start":657.11,"end":657.43,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1031935065984726},{"word":"either","start":657.43,"end":657.93,"confidence":1.0,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.1062447726726532},{"word":"get","start":658.07,"end":658.31,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11507759243249892},{"word":"them","start":658.31,"end":658.47,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1401757299900055},{"word":"via","start":658.47,"end":658.87,"confidence":0.9951172,"punctuated_word":"via","sentiment":"neutral","sentiment_score":0.10774949193000792},{"word":"email","start":658.87,"end":659.35,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1346401572227478},{"word":"and","start":659.35,"end":659.59,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10760955512523653},{"word":"print","start":659.59,"end":659.91,"confidence":1.0,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.09234704822301865},{"word":"them","start":659.91,"end":660.285,"confidence":0.84521484,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.11283805966377258},{"word":"or","start":660.285,"end":660.44495,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08048224449157715},{"word":"we","start":660.44495,"end":660.52496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11951924115419388},{"word":"can","start":660.52496,"end":660.685,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1093822419643402},{"word":"just","start":660.685,"end":660.925,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12483891099691392},{"word":"post","start":660.925,"end":661.245,"confidence":0.99902344,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.12097442150115968},{"word":"them","start":661.245,"end":661.40497,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.13526758551597595},{"word":"out","start":661.40497,"end":661.565,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14368678629398346},{"word":"to","start":661.565,"end":661.725,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14656460285186768},{"word":"you","start":661.725,"end":661.96497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1523178219795227},{"word":"with","start":661.96497,"end":662.20496,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1591002345085144},{"word":"a","start":662.20496,"end":662.365,"confidence":0.93603516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13811977207660675},{"word":"return","start":662.365,"end":662.685,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.1131141632795334},{"word":"envelope","start":662.685,"end":663.08496,"confidence":0.6793213,"punctuated_word":"envelope.","sentiment":"neutral","sentiment_score":0.07959848642349243},{"word":"what","start":663.08496,"end":663.245,"confidence":0.9428711,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.1187390834093094},{"word":"would","start":663.245,"end":663.485,"confidence":0.9614258,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1345207840204239},{"word":"be","start":663.485,"end":663.565,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12902262806892395},{"word":"easier","start":663.565,"end":664.065,"confidence":0.98535156,"punctuated_word":"easier?","sentiment":"neutral","sentiment_score":0.10614251345396042},{"word":"yep","start":669.245,"end":669.745,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12049099802970886},{"word":"you","start":678.3,"end":678.45996,"confidence":0.43164062,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.11272787302732468},{"word":"can","start":678.45996,"end":678.62,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1349555402994156},{"word":"get","start":678.62,"end":678.86,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.17371591925621033},{"word":"lost","start":678.86,"end":679.1,"confidence":1.0,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.31988468766212463},{"word":"in","start":679.1,"end":679.26,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2611042559146881},{"word":"the","start":679.26,"end":679.42,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24074837565422055},{"word":"day","start":679.42,"end":679.58,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.17607301473617554},{"word":"to","start":679.58,"end":679.74,"confidence":0.94970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19080324470996857},{"word":"day","start":679.74,"end":680.24,"confidence":0.9885254,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.176395446062088},{"word":"yeah","start":680.7,"end":681.2,"confidence":0.876709,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021992135792970657},{"word":"and","start":682.3,"end":682.7,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04312606155872345},{"word":"with","start":682.7,"end":682.94,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05274458974599838},{"word":"those","start":682.94,"end":683.26,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08793850243091583},{"word":"forms","start":683.26,"end":683.66,"confidence":1.0,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.06716443598270416},{"word":"too","start":683.66,"end":684.16,"confidence":0.9904785,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":0.06978284567594528},{"word":"do","start":684.22,"end":684.38,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.040750931948423386},{"word":"you","start":684.38,"end":684.45996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05821448564529419},{"word":"want","start":684.45996,"end":684.7,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.05161973088979721},{"word":"me","start":684.7,"end":684.86,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07940184324979782},{"word":"to","start":684.86,"end":684.94,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10119952261447906},{"word":"add","start":684.94,"end":685.44,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.13072720170021057},{"word":"your","start":685.96497,"end":686.20496,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07269634306430817},{"word":"partner's","start":686.20496,"end":686.685,"confidence":0.98950195,"punctuated_word":"partner's","sentiment":"neutral","sentiment_score":0.06395021080970764},{"word":"details","start":686.685,"end":687.185,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.08756717294454575},{"word":"on","start":687.245,"end":687.40497,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11328106373548508},{"word":"the","start":687.40497,"end":687.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14761923253536224},{"word":"forms","start":687.565,"end":688.045,"confidence":1.0,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.08896438032388687},{"word":"for","start":688.045,"end":688.20496,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12650974094867706},{"word":"you","start":688.20496,"end":688.685,"confidence":0.78100586,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.09970971941947936},{"word":"like","start":688.685,"end":689.005,"confidence":0.857666,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10864388942718506},{"word":"refilled","start":689.005,"end":689.40497,"confidence":0.50561523,"punctuated_word":"refilled","sentiment":"neutral","sentiment_score":0.14297574758529663},{"word":"it","start":689.40497,"end":689.485,"confidence":0.90649414,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.08534589409828186},{"word":"or","start":689.485,"end":689.605,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0787324607372284},{"word":"are","start":689.605,"end":689.725,"confidence":0.87890625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0861976146697998},{"word":"you","start":689.725,"end":689.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1340135633945465},{"word":"happy","start":689.885,"end":690.125,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.11153765767812727},{"word":"to","start":690.125,"end":690.285,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1052851676940918},{"word":"add","start":690.285,"end":690.445,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1126065030694008},{"word":"those","start":690.445,"end":690.605,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09941092133522034},{"word":"in","start":690.605,"end":691.105,"confidence":0.9995117,"punctuated_word":"in?","sentiment":"neutral","sentiment_score":0.08873055875301361},{"word":"perfect","start":694.285,"end":694.685,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.08538855612277985},{"word":"we'll","start":694.685,"end":694.925,"confidence":0.9921875,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.07992428541183472},{"word":"always","start":694.925,"end":695.08496,"confidence":0.9951172,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.09201367199420928},{"word":"send","start":695.08496,"end":695.325,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07870742678642273},{"word":"you","start":695.325,"end":695.40497,"confidence":0.9536133,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.09079033136367798},{"word":"like","start":695.40497,"end":695.565,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.09252123534679411},{"word":"a","start":695.565,"end":695.64496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0817965716123581},{"word":"bit","start":695.64496,"end":695.725,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06041555479168892},{"word":"of","start":695.725,"end":695.885,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07820490002632141},{"word":"an","start":695.885,"end":696.125,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.059021010994911194},{"word":"instruction","start":696.125,"end":696.605,"confidence":1.0,"punctuated_word":"instruction","sentiment":"neutral","sentiment_score":0.06277327984571457},{"word":"cover","start":696.605,"end":696.925,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.03668142855167389},{"word":"letter","start":696.925,"end":697.245,"confidence":1.0,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":0.05569937825202942},{"word":"anyway","start":697.245,"end":697.745,"confidence":0.96972656,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":0.09393353760242462},{"word":"just","start":697.805,"end":697.96497,"confidence":0.84814453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09001967310905457},{"word":"to","start":697.96497,"end":698.125,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07150572538375854},{"word":"make","start":698.125,"end":698.285,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06440860778093338},{"word":"sure","start":698.285,"end":698.445,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0755171924829483},{"word":"you","start":698.445,"end":698.605,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08661652356386185},{"word":"get","start":698.605,"end":698.765,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06862276792526245},{"word":"people","start":698.765,"end":699.08496,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.06850174814462662},{"word":"to","start":699.08496,"end":699.245,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0723680704832077},{"word":"witness","start":699.245,"end":699.565,"confidence":1.0,"punctuated_word":"witness","sentiment":"neutral","sentiment_score":0.06455451995134354},{"word":"it","start":699.565,"end":699.725,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08133856952190399},{"word":"and","start":699.725,"end":699.885,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06851371377706528},{"word":"that","start":699.885,"end":700.125,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06796340644359589},{"word":"kind","start":700.125,"end":700.285,"confidence":0.94628906,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04081520438194275},{"word":"of","start":700.285,"end":700.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05993229150772095},{"word":"thing","start":700.445,"end":700.945,"confidence":0.9921875,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.07180310785770416},{"word":"but","start":701.11,"end":701.35004,"confidence":0.9892578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07061856240034103},{"word":"if","start":701.35004,"end":701.39,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06887474656105042},{"word":"you","start":701.39,"end":701.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08087841421365738},{"word":"have","start":701.43,"end":701.67,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09455324709415436},{"word":"any","start":701.67,"end":701.91003,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09083303064107896},{"word":"questions","start":701.91003,"end":702.23004,"confidence":0.99560547,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.06810019910335541},{"word":"just","start":702.23004,"end":702.39,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08141756057739258},{"word":"call","start":702.39,"end":702.63,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.08515924960374832},{"word":"the","start":702.63,"end":702.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1153295636177063},{"word":"team","start":702.71,"end":702.95,"confidence":0.7692871,"punctuated_word":"team,","sentiment":"neutral","sentiment_score":0.10154716670513152},{"word":"and","start":702.95,"end":703.03,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09913522005081175},{"word":"they","start":703.03,"end":703.19,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11520301550626756},{"word":"can","start":703.19,"end":703.35004,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10363959521055222},{"word":"walk","start":703.35004,"end":703.51,"confidence":0.99902344,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.14464110136032104},{"word":"you","start":703.51,"end":703.67,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1094014048576355},{"word":"through","start":703.67,"end":703.91003,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1116900071501732},{"word":"it","start":703.91003,"end":704.07,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1094353049993515},{"word":"in","start":704.07,"end":704.39,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08782320469617844},{"word":"two","start":704.39,"end":704.63,"confidence":0.9921875,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07068753242492676},{"word":"seconds","start":704.63,"end":705.11,"confidence":0.99902344,"punctuated_word":"seconds","sentiment":"neutral","sentiment_score":0.08255326747894287},{"word":"flat","start":705.11,"end":705.61,"confidence":0.8364258,"punctuated_word":"flat.","sentiment":"neutral","sentiment_score":0.07085281610488892},{"word":"perfect","start":707.67,"end":708.17,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6315436363220215},{"word":"now","start":708.31,"end":708.55,"confidence":0.9453125,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.32692572474479675},{"word":"just","start":708.55,"end":708.71,"confidence":0.9614258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2646586298942566},{"word":"swinging","start":708.71,"end":708.95,"confidence":0.6098633,"punctuated_word":"swinging","sentiment":"neutral","sentiment_score":0.2545429468154907},{"word":"over","start":708.95,"end":709.19,"confidence":0.9604492,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.31860071420669556},{"word":"to","start":709.19,"end":709.35004,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2789120674133301},{"word":"the","start":709.35004,"end":709.51,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18832772970199585},{"word":"super","start":709.51,"end":709.83,"confidence":0.86279297,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1713411957025528},{"word":"there","start":709.83,"end":710.33,"confidence":0.9819336,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2473394870758057},{"word":"for","start":710.71,"end":710.95,"confidence":0.7373047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27218687534332275},{"word":"that","start":710.95,"end":711.27,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32247394323349},{"word":"update","start":711.27,"end":711.67,"confidence":0.80737305,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":0.1885550320148468},{"word":"have","start":711.67,"end":711.83,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.05695199221372605},{"word":"you","start":711.83,"end":711.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06439856439828873},{"word":"been","start":711.99,"end":712.15,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06619123369455338},{"word":"logging","start":712.15,"end":712.47003,"confidence":0.99609375,"punctuated_word":"logging","sentiment":"neutral","sentiment_score":0.07585030049085617},{"word":"in","start":712.47003,"end":712.63,"confidence":0.7661133,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06984229385852814},{"word":"to","start":712.63,"end":712.71,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.085579052567482},{"word":"hub","start":712.71,"end":712.95,"confidence":0.8120117,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.09006370604038239},{"word":"to","start":712.95,"end":713.03,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08688075840473175},{"word":"have","start":713.03,"end":713.27,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08864554762840271},{"word":"a","start":713.27,"end":713.35004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11463575065135956},{"word":"look","start":713.35004,"end":713.51,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08497671037912369},{"word":"every","start":713.51,"end":713.75,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.09157541394233704},{"word":"now","start":713.75,"end":713.91003,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.08802244812250137},{"word":"and","start":713.91003,"end":714.07,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07607154548168182},{"word":"then","start":714.07,"end":714.39,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09544585645198822},{"word":"or","start":714.39,"end":714.63,"confidence":0.94140625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0543685294687748},{"word":"just","start":714.63,"end":714.87,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.048993512988090515},{"word":"waiting","start":714.87,"end":715.19,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.05181935429573059},{"word":"for","start":715.19,"end":715.35004,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07185617834329605},{"word":"the","start":715.35004,"end":715.43,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07053079456090927},{"word":"reviews","start":715.43,"end":715.93,"confidence":0.9995117,"punctuated_word":"reviews?","sentiment":"neutral","sentiment_score":0.041326455771923065},{"word":"yep","start":718.535,"end":719.035,"confidence":0.95532227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05732690542936325},{"word":"now","start":719.495,"end":719.89496,"confidence":0.9921875,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04579806327819824},{"word":"there's","start":719.89496,"end":720.135,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.053752705454826355},{"word":"a","start":720.135,"end":720.21497,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03998527675867081},{"word":"few","start":720.21497,"end":720.45496,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.02961534447968006},{"word":"changes","start":720.45496,"end":720.77496,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.025118259713053703},{"word":"that","start":720.77496,"end":720.935,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.032590799033641815},{"word":"have","start":720.935,"end":721.095,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03342624753713608},{"word":"happened","start":721.095,"end":721.33496,"confidence":0.80200195,"punctuated_word":"happened.","sentiment":"neutral","sentiment_score":0.03281083703041077},{"word":"so","start":721.33496,"end":721.495,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03856208175420761},{"word":"i","start":721.495,"end":721.575,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03967133164405823},{"word":"wanna","start":721.575,"end":721.815,"confidence":0.78808594,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06289877742528915},{"word":"just","start":721.815,"end":722.055,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04885187745094299},{"word":"kind","start":722.055,"end":722.21497,"confidence":0.7939453,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06591688841581345},{"word":"of","start":722.21497,"end":722.295,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05446967855095863},{"word":"paint","start":722.295,"end":722.535,"confidence":1.0,"punctuated_word":"paint","sentiment":"neutral","sentiment_score":0.03262289986014366},{"word":"the","start":722.535,"end":722.615,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05132674798369408},{"word":"picture","start":722.615,"end":722.935,"confidence":1.0,"punctuated_word":"picture","sentiment":"neutral","sentiment_score":0.03149256110191345},{"word":"a","start":722.935,"end":723.01495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.044792238622903824},{"word":"little","start":723.01495,"end":723.175,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03125004842877388},{"word":"bit","start":723.175,"end":723.495,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.031079210340976715},{"word":"because","start":723.495,"end":723.995,"confidence":0.921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02717169001698494},{"word":"the","start":724.77496,"end":724.935,"confidence":0.73339844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021699681878089905},{"word":"market's","start":724.935,"end":725.415,"confidence":0.98461914,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.017004469409585},{"word":"obviously","start":725.415,"end":725.735,"confidence":0.9892578,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.011673610657453535},{"word":"been","start":725.735,"end":725.89496,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.02641233056783676},{"word":"going","start":725.89496,"end":726.135,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.042211003601551056},{"word":"a","start":726.135,"end":726.21497,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023780887946486473},{"word":"bit","start":726.21497,"end":726.45496,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.012895241379737854},{"word":"crazy","start":726.45496,"end":726.95496,"confidence":1.0,"punctuated_word":"crazy","sentiment":"neutral","sentiment_score":0.021645858883857727},{"word":"since","start":727.175,"end":727.415,"confidence":0.9980469,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.01809661090373993},{"word":"the","start":727.415,"end":727.65497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02435273304581642},{"word":"war","start":727.65497,"end":727.89496,"confidence":0.9482422,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.011061329394578934},{"word":"broke","start":727.89496,"end":728.135,"confidence":0.99609375,"punctuated_word":"broke","sentiment":"neutral","sentiment_score":-0.01167408749461174},{"word":"out","start":728.135,"end":728.295,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0006642080843448639},{"word":"and","start":728.295,"end":728.45496,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01964300498366356},{"word":"everything","start":728.45496,"end":728.95496,"confidence":0.7631836,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.019675787538290024},{"word":"but","start":729.095,"end":729.495,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0283383559435606},{"word":"you","start":729.495,"end":729.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034700218588113785},{"word":"had","start":729.735,"end":730.055,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.031317923218011856},{"word":"some","start":730.055,"end":730.295,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03951407223939896},{"word":"changes","start":730.295,"end":730.77496,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.06027108058333397},{"word":"where","start":730.77496,"end":731.095,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.04928597807884216},{"word":"dana","start":731.095,"end":731.595,"confidence":0.99902344,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.10170914232730864},{"word":"switched","start":731.87,"end":732.19,"confidence":0.99902344,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":0.06535983830690384},{"word":"you","start":732.19,"end":732.26996,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08573129028081894},{"word":"from","start":732.26996,"end":732.50995,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06643801182508469},{"word":"netwealth","start":732.50995,"end":732.99,"confidence":0.83862305,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.06458611786365509},{"word":"to","start":732.99,"end":733.23,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09714841842651369},{"word":"hub","start":733.23,"end":733.73,"confidence":0.7277832,"punctuated_word":"Hub,","sentiment":"neutral","sentiment_score":0.10929792374372482},{"word":"got","start":733.79,"end":734.02997,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1501164734363556},{"word":"you","start":734.02997,"end":734.11,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14817997813224792},{"word":"a","start":734.11,"end":734.19,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13649822771549225},{"word":"bit","start":734.19,"end":734.35,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12433507293462752},{"word":"of","start":734.35,"end":734.43,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1655760556459427},{"word":"an","start":734.43,"end":734.58997,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15175676345825195},{"word":"updated","start":734.58997,"end":735.08997,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1211543008685112},{"word":"portfolio","start":735.14996,"end":735.63,"confidence":0.99902344,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.08015014976263046},{"word":"does","start":735.63,"end":735.87,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.09649614989757538},{"word":"that","start":735.87,"end":736.02997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15672802925109863},{"word":"ring","start":736.02997,"end":736.19,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.08577778935432434},{"word":"a","start":736.19,"end":736.26996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06193137541413307},{"word":"bell","start":736.26996,"end":736.76996,"confidence":1.0,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.04214658588171005},{"word":"yep","start":739.38995,"end":739.79,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16996333003044128},{"word":"so","start":739.79,"end":740.19,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3094474673271179},{"word":"the","start":740.19,"end":740.35,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4893110692501068},{"word":"change","start":740.35,"end":740.58997,"confidence":0.99902344,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.45328599214553833},{"word":"from","start":740.58997,"end":740.75,"confidence":0.99902344,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4067824184894562},{"word":"netwealth","start":740.75,"end":741.14996,"confidence":0.9980469,"punctuated_word":"Netwealth","sentiment":"positive","sentiment_score":0.3888208568096161},{"word":"to","start":741.14996,"end":741.31,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3384678363800049},{"word":"hub","start":741.31,"end":741.55,"confidence":0.9941406,"punctuated_word":"Hub,","sentiment":"neutral","sentiment_score":0.3184892535209656},{"word":"that's","start":741.55,"end":741.79,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6947333216667175},{"word":"definitely","start":741.79,"end":742.19,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.736219048500061},{"word":"been","start":742.19,"end":742.35,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.676613450050354},{"word":"a","start":742.35,"end":742.43,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6795570850372314},{"word":"good","start":742.43,"end":742.67,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7388777136802673},{"word":"move","start":742.67,"end":742.82996,"confidence":0.99902344,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.5634406805038452},{"word":"for","start":742.82996,"end":742.99,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6028124094009399},{"word":"you","start":742.99,"end":743.14996,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5026557445526123},{"word":"the","start":743.14996,"end":743.31,"confidence":1.0,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4514579176902771},{"word":"fees","start":743.31,"end":743.63,"confidence":0.99902344,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.354019433259964},{"word":"have","start":743.63,"end":743.79,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4537146985530853},{"word":"been","start":743.79,"end":743.94995,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.39107200503349304},{"word":"a","start":743.94995,"end":744.02997,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42677098512649536},{"word":"lot","start":744.02997,"end":744.26996,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.4228127896785736},{"word":"lower","start":744.26996,"end":744.735,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.3160049617290497},{"word":"in","start":744.815,"end":744.975,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3144185245037079},{"word":"terms","start":744.975,"end":745.135,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.3315708041191101},{"word":"of","start":745.135,"end":745.21497,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.310703307390213},{"word":"the","start":745.21497,"end":745.45496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29722437262535095},{"word":"admin","start":745.45496,"end":745.855,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.31216728687286377},{"word":"fees","start":745.855,"end":746.015,"confidence":0.9970703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.22671525180339813},{"word":"and","start":746.015,"end":746.255,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3086691200733185},{"word":"the","start":746.255,"end":746.415,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36913660168647766},{"word":"investment","start":746.415,"end":746.735,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.19386041164398193},{"word":"fees","start":746.735,"end":747.055,"confidence":0.986084,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.23353862762451172},{"word":"that's","start":747.055,"end":747.295,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7292279005050659},{"word":"really","start":747.295,"end":747.45496,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6793001294136047},{"word":"good","start":747.45496,"end":747.95496,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5315383672714233},{"word":"and","start":748.255,"end":748.65497,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.009303189814090729},{"word":"when","start":748.65497,"end":748.89496,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05118205398321152},{"word":"i","start":748.89496,"end":748.975,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07696735858917236},{"word":"was","start":748.975,"end":749.135,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09137728810310364},{"word":"looking","start":749.135,"end":749.375,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.11418963968753816},{"word":"at","start":749.375,"end":749.535,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13326182961463928},{"word":"the","start":749.535,"end":749.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10488026589155196},{"word":"portfolio","start":749.695,"end":750.195,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.08668435364961624},{"word":"that","start":750.255,"end":750.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08314789831638336},{"word":"you","start":750.495,"end":750.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.040277548134326935},{"word":"were","start":750.735,"end":750.975,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.0776219293475151},{"word":"in","start":750.975,"end":751.475,"confidence":0.9941406,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.06277299672365189},{"word":"given","start":752.495,"end":752.735,"confidence":0.9970703,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.10382263362407684},{"word":"everything","start":752.735,"end":753.055,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.08979509770870209},{"word":"that's","start":753.055,"end":753.295,"confidence":0.96240234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1144525408744812},{"word":"happened","start":753.295,"end":753.615,"confidence":1.0,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.07493790239095688},{"word":"in","start":753.615,"end":753.77496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12356917560100555},{"word":"the","start":753.77496,"end":753.935,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09280751645565032},{"word":"market","start":753.935,"end":754.33496,"confidence":0.9995117,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.10083664953708649},{"word":"it","start":754.33496,"end":754.495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13769133388996124},{"word":"would","start":754.495,"end":754.735,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11685484647750854},{"word":"have","start":754.735,"end":754.89496,"confidence":0.92578125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08548031747341156},{"word":"been","start":754.89496,"end":755.055,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.10355032980442049},{"word":"a","start":755.055,"end":755.135,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15257927775382996},{"word":"bit","start":755.135,"end":755.375,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1518503874540329},{"word":"negative","start":755.375,"end":755.875,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.1552313268184662},{"word":"had","start":756.415,"end":756.65497,"confidence":0.9819336,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.16568894684314728},{"word":"you","start":756.65497,"end":756.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11774342507123949},{"word":"stayed","start":756.815,"end":757.135,"confidence":0.99902344,"punctuated_word":"stayed","sentiment":"neutral","sentiment_score":-0.05109790340065956},{"word":"in","start":757.135,"end":757.295,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03579816222190857},{"word":"it","start":757.295,"end":757.65,"confidence":0.87353516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0013642143458127975},{"word":"but","start":757.73004,"end":757.81,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0029173120856285095},{"word":"the","start":757.81,"end":757.97003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03569381311535835},{"word":"one","start":757.97003,"end":758.05005,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0640908032655716},{"word":"that","start":758.05005,"end":758.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11642324924468994},{"word":"she's","start":758.13,"end":758.37,"confidence":0.9980469,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.1523398458957672},{"word":"put","start":758.37,"end":758.61005,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.14162036776542664},{"word":"you","start":758.61005,"end":758.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15050683915615082},{"word":"in","start":758.77,"end":758.93005,"confidence":0.9875488,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.1572115421295166},{"word":"it's","start":758.93005,"end":759.33,"confidence":0.9169922,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1770263910293579},{"word":"kind","start":759.33,"end":759.49005,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08571942895650864},{"word":"of","start":759.49005,"end":759.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10092530399560928},{"word":"bounced","start":759.65,"end":759.97003,"confidence":0.9980469,"punctuated_word":"bounced","sentiment":"neutral","sentiment_score":0.16258534789085388},{"word":"up","start":759.97003,"end":760.21,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1891102194786072},{"word":"into","start":760.21,"end":760.45,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13533364236354828},{"word":"the","start":760.45,"end":760.61005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12720537185668945},{"word":"positive","start":760.61005,"end":761.11005,"confidence":0.98291016,"punctuated_word":"positive","sentiment":"neutral","sentiment_score":0.2576390206813812},{"word":"for","start":761.41003,"end":761.65,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13745686411857605},{"word":"the","start":761.65,"end":761.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1406843662261963},{"word":"year","start":761.81,"end":762.31,"confidence":0.8635254,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.12314362078905106},{"word":"that's","start":762.37,"end":762.69,"confidence":0.8828125,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.32448792457580566},{"word":"six","start":762.69,"end":762.93005,"confidence":0.99902344,"punctuated_word":"six","sentiment":"positive","sentiment_score":0.42678219079971313},{"word":"or","start":762.93005,"end":763.09,"confidence":0.97265625,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.34412920475006104},{"word":"7%","start":763.09,"end":763.81,"confidence":1.0,"punctuated_word":"7%","sentiment":"positive","sentiment_score":0.3959120213985443},{"word":"in","start":763.81,"end":764.05005,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4106478989124298},{"word":"growth","start":764.05005,"end":764.55005,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4029928147792816},{"word":"on","start":764.61005,"end":764.77,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3948987126350403},{"word":"top","start":764.77,"end":765.01,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.2611844539642334},{"word":"of","start":765.01,"end":765.09,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3584515154361725},{"word":"your","start":765.09,"end":765.41003,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28801900148391724},{"word":"contributions","start":765.41003,"end":765.91003,"confidence":0.99609375,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.26542747020721436},{"word":"now","start":768.21,"end":768.71,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.05950459837913513},{"word":"that's","start":768.85004,"end":769.17004,"confidence":0.9946289,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1308746635913849},{"word":"a","start":769.17004,"end":769.33,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16319529712200165},{"word":"tiny","start":769.33,"end":769.65,"confidence":1.0,"punctuated_word":"tiny","sentiment":"neutral","sentiment_score":-0.22310391068458557},{"word":"bit","start":769.65,"end":769.89,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.20223897695541385},{"word":"below","start":769.89,"end":770.39,"confidence":1.0,"punctuated_word":"below","sentiment":"neutral","sentiment_score":-0.24401961266994476},{"word":"the","start":770.765,"end":770.925,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21395978331565857},{"word":"benchmark","start":770.925,"end":771.165,"confidence":1.0,"punctuated_word":"benchmark","sentiment":"neutral","sentiment_score":-0.2251739799976349},{"word":"that","start":771.165,"end":771.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2489561140537262},{"word":"we","start":771.485,"end":771.645,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2047746777534485},{"word":"want","start":771.645,"end":771.965,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.1924295425415039},{"word":"long","start":771.965,"end":772.125,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.1996683031320572},{"word":"term","start":772.125,"end":772.365,"confidence":1.0,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.19482430815696716},{"word":"because","start":772.365,"end":772.685,"confidence":0.74438477,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.16629387438297272},{"word":"obviously","start":772.685,"end":773.185,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.10838744044303894},{"word":"every","start":773.485,"end":773.805,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.16501037776470184},{"word":"seven","start":773.805,"end":774.045,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.2256752848625183},{"word":"years","start":774.045,"end":774.445,"confidence":0.9550781,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.152637779712677},{"word":"the","start":774.445,"end":774.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1929193884134293},{"word":"market","start":774.605,"end":774.925,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.24106815457344055},{"word":"grows","start":774.925,"end":775.165,"confidence":1.0,"punctuated_word":"grows","sentiment":"neutral","sentiment_score":-0.2484414279460907},{"word":"and","start":775.165,"end":775.325,"confidence":0.50634766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17583751678466797},{"word":"then","start":775.325,"end":775.485,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1339351087808609},{"word":"it","start":775.485,"end":775.725,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.308411180973053},{"word":"crashes","start":775.725,"end":776.205,"confidence":1.0,"punctuated_word":"crashes","sentiment":"neutral","sentiment_score":-0.26137614250183105},{"word":"because","start":776.205,"end":776.525,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.30975818634033203},{"word":"of","start":776.525,"end":776.845,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.279398649930954},{"word":"the","start":776.845,"end":777.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3054772615432739},{"word":"world","start":777.085,"end":777.40497,"confidence":0.99316406,"punctuated_word":"world","sentiment":"negative","sentiment_score":-0.37734177708625793},{"word":"events","start":777.40497,"end":777.90497,"confidence":0.99658203,"punctuated_word":"events.","sentiment":"neutral","sentiment_score":-0.29897341132164},{"word":"we","start":778.205,"end":778.365,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.15054656565189362},{"word":"don't","start":778.365,"end":778.605,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1474791318178177},{"word":"wanna","start":778.605,"end":778.925,"confidence":0.8774414,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.13654154539108276},{"word":"be","start":778.925,"end":779.425,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14457495510578156},{"word":"under","start":779.485,"end":779.805,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.2205400913953781},{"word":"10%","start":779.805,"end":780.525,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":-0.1572701632976532},{"word":"for","start":780.525,"end":780.765,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19535566866397855},{"word":"more","start":780.765,"end":780.925,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.23522722721099856},{"word":"than","start":780.925,"end":781.085,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.22840616106987},{"word":"maybe","start":781.085,"end":781.485,"confidence":0.98095703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.12854862213134766},{"word":"one","start":781.485,"end":781.645,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1778174191713333},{"word":"or","start":781.645,"end":781.885,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1267050951719284},{"word":"two","start":781.885,"end":782.125,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.17712187767028809},{"word":"years","start":782.125,"end":782.625,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.12747931480407715},{"word":"per","start":783.31,"end":783.38995,"confidence":0.9741211,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.07450025528669357},{"word":"seven","start":783.38995,"end":783.88995,"confidence":0.95458984,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":-0.08741399645805359},{"word":"does","start":783.94995,"end":784.19,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.04716111719608307},{"word":"that","start":784.19,"end":784.35,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0489044114947319},{"word":"make","start":784.35,"end":784.58997,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.038473501801490784},{"word":"sense","start":784.58997,"end":785.08997,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.08631303906440735},{"word":"so","start":786.50995,"end":786.99,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0663793608546257},{"word":"one","start":786.99,"end":787.14996,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05742095410823822},{"word":"of","start":787.14996,"end":787.31,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06090534478425979},{"word":"the","start":787.31,"end":787.38995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05667056515812874},{"word":"things","start":787.38995,"end":787.62994,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.060593876987695694},{"word":"that","start":787.62994,"end":787.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05963488668203354},{"word":"she","start":787.79,"end":787.94995,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.04231072217226029},{"word":"did","start":787.94995,"end":788.11,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.06447748839855194},{"word":"was","start":788.11,"end":788.35,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06361235678195953},{"word":"she","start":788.35,"end":788.58997,"confidence":0.9970703,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.0722072571516037},{"word":"reduced","start":788.58997,"end":789.06995,"confidence":0.9980469,"punctuated_word":"reduced","sentiment":"neutral","sentiment_score":-0.1015518605709076},{"word":"your","start":789.06995,"end":789.47,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.101130411028862},{"word":"allocation","start":789.47,"end":789.97,"confidence":1.0,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":-0.09254038333892822},{"word":"to","start":790.02997,"end":790.19,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0662657842040062},{"word":"a","start":790.19,"end":790.35,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07188209146261215},{"word":"fund","start":790.35,"end":790.58997,"confidence":1.0,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.08583195507526398},{"word":"called","start":790.58997,"end":790.91,"confidence":0.9980469,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.05936611443758011},{"word":"benelon","start":790.91,"end":791.41,"confidence":0.8240967,"punctuated_word":"Benelon,","sentiment":"neutral","sentiment_score":-0.04112020879983902},{"word":"which","start":791.79,"end":792.11,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.04198412969708443},{"word":"that's","start":792.11,"end":792.43,"confidence":0.8952637,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4100741744041443},{"word":"been","start":792.43,"end":792.58997,"confidence":0.99902344,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3517352044582367},{"word":"the","start":792.58997,"end":792.75,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3496038317680359},{"word":"only","start":792.75,"end":792.99,"confidence":1.0,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3969278335571289},{"word":"one","start":792.99,"end":793.14996,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.27824851870536804},{"word":"that's","start":793.14996,"end":793.38995,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4694870114326477},{"word":"been","start":793.38995,"end":793.55,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5287804007530212},{"word":"negatively","start":793.55,"end":794.05,"confidence":1.0,"punctuated_word":"negatively","sentiment":"negative","sentiment_score":-0.4596934914588928},{"word":"performing","start":794.11,"end":794.58997,"confidence":0.99902344,"punctuated_word":"performing.","sentiment":"negative","sentiment_score":-0.5386527180671692},{"word":"the","start":794.58997,"end":794.75,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.2089119702577591},{"word":"rest","start":794.75,"end":794.91,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":-0.12022934854030608},{"word":"of","start":794.91,"end":795.06995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13454192876815796},{"word":"them","start":795.06995,"end":795.23,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.11755344271659852},{"word":"have","start":795.23,"end":795.38995,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.009310483932495115},{"word":"all","start":795.38995,"end":795.55,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0712813287973404},{"word":"been","start":795.55,"end":796.005,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.15579159557819366},{"word":"pretty","start":796.085,"end":796.325,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2686578333377838},{"word":"well","start":796.325,"end":796.405,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.23701336979866028},{"word":"in","start":796.405,"end":796.485,"confidence":0.87841797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20251797139644623},{"word":"the","start":796.485,"end":796.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15517368912696838},{"word":"double","start":796.725,"end":797.125,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.09970228374004364},{"word":"digits","start":797.125,"end":797.625,"confidence":0.8173828,"punctuated_word":"digits.","sentiment":"neutral","sentiment_score":0.1249125599861145},{"word":"very","start":797.765,"end":797.925,"confidence":0.9838867,"punctuated_word":"Very,","sentiment":"positive","sentiment_score":0.551145076751709},{"word":"very","start":797.925,"end":798.245,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5101043581962585},{"word":"strong","start":798.245,"end":798.565,"confidence":0.99902344,"punctuated_word":"strong","sentiment":"positive","sentiment_score":0.42208948731422424},{"word":"growth","start":798.565,"end":799.065,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5700134038925171},{"word":"across","start":799.445,"end":799.945,"confidence":0.99902344,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.3826683759689331},{"word":"all","start":800.005,"end":800.245,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.27833208441734314},{"word":"other","start":800.245,"end":800.485,"confidence":0.9921875,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.22613643109798431},{"word":"seven","start":800.485,"end":800.805,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.2750566601753235},{"word":"options","start":800.805,"end":801.305,"confidence":0.9875488,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.1801426112651825},{"word":"but","start":803.205,"end":803.605,"confidence":0.9291992,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.055630363523960114},{"word":"that","start":803.605,"end":803.765,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12193021178245544},{"word":"been","start":803.765,"end":803.925,"confidence":0.50927734,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.14099131524562836},{"word":"a","start":803.925,"end":804.005,"confidence":0.8574219,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20642173290252688},{"word":"long","start":804.005,"end":804.165,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.23595167696475983},{"word":"one","start":804.165,"end":804.325,"confidence":0.8713379,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.20500653982162476},{"word":"that","start":804.325,"end":804.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23479880392551425},{"word":"one's","start":804.485,"end":804.725,"confidence":0.98461914,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.32678937911987305},{"word":"been","start":804.725,"end":804.885,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.35081443190574646},{"word":"dragging","start":804.885,"end":805.205,"confidence":1.0,"punctuated_word":"dragging","sentiment":"negative","sentiment_score":-0.4579305350780487},{"word":"its","start":805.205,"end":805.365,"confidence":0.9892578,"punctuated_word":"its","sentiment":"negative","sentiment_score":-0.5303967595100403},{"word":"feet","start":805.365,"end":805.525,"confidence":0.9707031,"punctuated_word":"feet","sentiment":"negative","sentiment_score":-0.37461504340171814},{"word":"a","start":805.525,"end":805.685,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30378901958465576},{"word":"little","start":805.685,"end":805.84503,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.21549032628536224},{"word":"bit","start":805.84503,"end":806.085,"confidence":0.99902344,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.22931122779846191},{"word":"you","start":806.085,"end":806.245,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.13672944903373718},{"word":"used","start":806.245,"end":806.485,"confidence":1.0,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.1071961522102356},{"word":"to","start":806.485,"end":806.565,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09378557652235033},{"word":"have","start":806.565,"end":806.805,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11622020602226256},{"word":"30%","start":806.805,"end":807.445,"confidence":1.0,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":-0.08203203976154327},{"word":"in","start":807.445,"end":807.685,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1019829660654068},{"word":"there","start":807.685,"end":807.84503,"confidence":0.9550781,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.07344059646129608},{"word":"now","start":807.84503,"end":808.005,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.02416214346885681},{"word":"you've","start":808.005,"end":808.245,"confidence":0.99609375,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.008660202845931053},{"word":"got","start":808.245,"end":808.405,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.013981714844703674},{"word":"10","start":808.405,"end":808.725,"confidence":0.99316406,"punctuated_word":"10,","sentiment":"neutral","sentiment_score":0.03295028582215309},{"word":"which","start":808.725,"end":808.965,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.00746048241853714},{"word":"is","start":808.965,"end":809.125,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006581731140613556},{"word":"really","start":809.125,"end":809.365,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.027788590639829636},{"word":"good","start":809.365,"end":809.865,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3886386752128601},{"word":"because","start":809.96,"end":810.36,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2525119483470917},{"word":"your","start":810.36,"end":810.52,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32066404819488525},{"word":"other","start":810.52,"end":810.92,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.3233748972415924},{"word":"option","start":810.92,"end":811.24,"confidence":0.99902344,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.14162227511405945},{"word":"that","start":811.24,"end":811.4,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32632550597190857},{"word":"you","start":811.4,"end":811.56,"confidence":0.9716797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2897290587425232},{"word":"put","start":811.56,"end":811.72003,"confidence":0.9892578,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.33808955550193787},{"word":"in","start":811.72003,"end":811.88,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3339453637599945},{"word":"has","start":811.88,"end":812.28,"confidence":0.67822266,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2791389226913452},{"word":"actually","start":812.28,"end":812.68,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.2676863968372345},{"word":"grown","start":812.68,"end":813.08,"confidence":1.0,"punctuated_word":"grown","sentiment":"neutral","sentiment_score":0.2615358531475067},{"word":"twice","start":813.08,"end":813.48,"confidence":1.0,"punctuated_word":"twice","sentiment":"neutral","sentiment_score":0.26755043864250183},{"word":"as","start":813.48,"end":813.64,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1979152411222458},{"word":"much","start":813.64,"end":814.14,"confidence":1.0,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.17136746644973755},{"word":"okay","start":815.88,"end":816.38,"confidence":0.8383789,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.19510409235954285},{"word":"i'm","start":816.44,"end":816.68,"confidence":0.9375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03282058984041214},{"word":"gonna","start":816.68,"end":816.92,"confidence":0.89746094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.037235911935567856},{"word":"put","start":816.92,"end":817.08,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.05300319567322731},{"word":"a","start":817.08,"end":817.24,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04742363095283508},{"word":"flag","start":817.24,"end":817.48,"confidence":1.0,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":-0.009870517998933792},{"word":"on","start":817.48,"end":817.64,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02606813982129097},{"word":"that","start":817.64,"end":817.8,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04963406920433045},{"word":"one","start":817.8,"end":817.96,"confidence":0.8696289,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.06668771803379059},{"word":"though","start":817.96,"end":818.12,"confidence":0.95703125,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.05395255237817764},{"word":"because","start":818.12,"end":818.44,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06847912073135376},{"word":"if","start":818.44,"end":818.6,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1046263799071312},{"word":"that","start":818.6,"end":818.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16140243411064148},{"word":"doesn't","start":818.76,"end":819.08,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.19881874322891235},{"word":"pick","start":819.08,"end":819.24,"confidence":0.9980469,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":-0.26798203587532043},{"word":"up","start":819.24,"end":819.4,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.28290969133377075},{"word":"its","start":819.4,"end":819.64,"confidence":0.9941406,"punctuated_word":"its","sentiment":"neutral","sentiment_score":-0.2526669502258301},{"word":"feet","start":819.64,"end":820.14,"confidence":0.91259766,"punctuated_word":"feet","sentiment":"neutral","sentiment_score":-0.16093593835830688},{"word":"by","start":820.36,"end":820.68,"confidence":0.9243164,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.19304227828979492},{"word":"the","start":820.68,"end":820.84,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16016393899917605},{"word":"end","start":820.84,"end":821.0,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.204570472240448},{"word":"of","start":821.0,"end":821.16003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1439349353313446},{"word":"the","start":821.16003,"end":821.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14408224821090698},{"word":"year","start":821.32,"end":821.64,"confidence":0.99902344,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.11425895988941193},{"word":"i","start":821.64,"end":821.8,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12624642252922058},{"word":"probably","start":821.8,"end":822.12,"confidence":0.9921875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.12882544100284576},{"word":"would","start":822.12,"end":822.36,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11254411190748216},{"word":"like","start":822.36,"end":822.52,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.12686219811439514},{"word":"to","start":822.52,"end":822.68,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13133016228675842},{"word":"switch","start":822.68,"end":823.0,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.10947610437870026},{"word":"it","start":823.0,"end":823.16003,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10787463933229446},{"word":"out","start":823.16003,"end":823.545,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0907939150929451},{"word":"for","start":823.865,"end":824.26495,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08765819668769836},{"word":"a","start":824.26495,"end":824.505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.051271189004182816},{"word":"different","start":824.505,"end":824.745,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.05978824570775032},{"word":"option","start":824.745,"end":825.14496,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.06484687328338623},{"word":"potentially","start":825.14496,"end":825.64496,"confidence":0.90356445,"punctuated_word":"potentially.","sentiment":"neutral","sentiment_score":-0.0177991334348917},{"word":"okay","start":827.46497,"end":827.96497,"confidence":0.75,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.01189316064119339},{"word":"at","start":828.665,"end":828.90497,"confidence":0.80126953,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.01970462128520012},{"word":"this","start":828.90497,"end":829.14496,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03030327707529068},{"word":"point","start":829.14496,"end":829.385,"confidence":0.93237305,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":-0.028785720467567444},{"word":"though","start":829.385,"end":829.625,"confidence":0.9995117,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.024030551314353943},{"word":"what","start":829.625,"end":829.785,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.023236170411109924},{"word":"i","start":829.785,"end":829.945,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01860174909234047},{"word":"really","start":829.945,"end":830.185,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.007562972605228424},{"word":"wanted","start":830.185,"end":830.425,"confidence":0.9941406,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.006409041583538055},{"word":"to","start":830.425,"end":830.505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0014680325984954834},{"word":"check","start":830.505,"end":830.665,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.007085531949996948},{"word":"with","start":830.665,"end":830.90497,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0031173154711723328},{"word":"you","start":830.90497,"end":830.985,"confidence":0.95996094,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.008630698546767235},{"word":"barb","start":830.985,"end":831.14496,"confidence":0.9187012,"punctuated_word":"Barb,","sentiment":"neutral","sentiment_score":0.011303819715976717},{"word":"is","start":831.14496,"end":831.64496,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.011757440865039824},{"word":"you're","start":831.865,"end":832.105,"confidence":0.96899414,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.013574673794209955},{"word":"trying","start":832.105,"end":832.345,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.011475492268800735},{"word":"to","start":832.345,"end":832.425,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01254129409790039},{"word":"grow","start":832.425,"end":832.665,"confidence":0.9970703,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.01086745783686638},{"word":"your","start":832.665,"end":832.825,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.009406045079231262},{"word":"super","start":832.825,"end":833.14496,"confidence":0.88183594,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03180559724569321},{"word":"to","start":833.14496,"end":833.225,"confidence":0.8354492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013034585863351822},{"word":"fund","start":833.225,"end":833.545,"confidence":0.9921875,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.01365957409143448},{"word":"for","start":833.545,"end":833.70496,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008182700723409653},{"word":"both","start":833.70496,"end":833.865,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.009837239980697632},{"word":"of","start":833.865,"end":834.02496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0030264928936958313},{"word":"you","start":834.02496,"end":834.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004213128238916397},{"word":"guys","start":834.105,"end":834.605,"confidence":0.9645996,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.0010312926024198532},{"word":"but","start":835.385,"end":835.865,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0337362214922905},{"word":"your","start":835.865,"end":836.02496,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05460626631975174},{"word":"preservation","start":836.02496,"end":836.52496,"confidence":0.99902344,"punctuated_word":"preservation","sentiment":"neutral","sentiment_score":-0.05809858813881874},{"word":"age","start":836.745,"end":836.90497,"confidence":0.91748047,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.060829900205135345},{"word":"is","start":836.90497,"end":837.065,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06730639189481735},{"word":"in","start":837.065,"end":837.225,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07139261811971664},{"word":"nine","start":837.225,"end":837.46497,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.0794900581240654},{"word":"years","start":837.46497,"end":837.96497,"confidence":0.9279785,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.05427534878253937},{"word":"and","start":838.54004,"end":839.04004,"confidence":0.8376465,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.0484212301671505},{"word":"normally","start":839.10004,"end":839.60004,"confidence":0.9995117,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":-0.06124534457921982},{"word":"high","start":839.66003,"end":839.9,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.08872182667255402},{"word":"growth","start":839.9,"end":840.14,"confidence":0.9279785,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":-0.07310730963945389},{"word":"you","start":840.14,"end":840.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08625780045986176},{"word":"wanna","start":840.3,"end":840.62,"confidence":0.94384766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.06027238816022873},{"word":"have","start":840.62,"end":840.78,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06238464266061783},{"word":"about","start":840.78,"end":841.10004,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08339963853359222},{"word":"nine","start":841.10004,"end":841.34,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.07244245707988739},{"word":"to","start":841.34,"end":841.42004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08608314394950867},{"word":"ten","start":841.42004,"end":841.74,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.05385294556617737},{"word":"years","start":841.74,"end":841.98004,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.04337983578443527},{"word":"under","start":841.98004,"end":842.22003,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.06482706218957901},{"word":"your","start":842.22003,"end":842.38,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07517383992671967},{"word":"belt","start":842.38,"end":842.88,"confidence":1.0,"punctuated_word":"belt","sentiment":"neutral","sentiment_score":-0.06859917938709259},{"word":"because","start":843.02,"end":843.42004,"confidence":0.9902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06948359310626984},{"word":"of","start":843.42004,"end":843.58,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06725969165563583},{"word":"those","start":843.58,"end":843.9,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.07851308584213257},{"word":"market","start":843.9,"end":844.22003,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.14115548133850098},{"word":"movements","start":844.22003,"end":844.72003,"confidence":0.99853516,"punctuated_word":"movements.","sentiment":"neutral","sentiment_score":-0.10301343351602554},{"word":"you","start":844.78,"end":844.94,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.082394540309906},{"word":"don't","start":844.94,"end":845.10004,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09995335340499878},{"word":"wanna","start":845.10004,"end":845.42004,"confidence":0.9428711,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.12468837946653366},{"word":"be","start":845.42004,"end":845.82,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13512234389781952},{"word":"a","start":845.82,"end":845.98004,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1610617637634277},{"word":"day","start":845.98004,"end":846.14,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.16306090354919434},{"word":"from","start":846.14,"end":846.46,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.20380237698554993},{"word":"retirement","start":846.46,"end":846.96,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.23970776796340945},{"word":"in","start":847.26,"end":847.5,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.24960637092590332},{"word":"high","start":847.5,"end":847.66003,"confidence":0.97265625,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.29853004217147827},{"word":"risk","start":847.66003,"end":847.98004,"confidence":0.82910156,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.24452584981918335},{"word":"and","start":847.98004,"end":848.06,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2022879719734192},{"word":"then","start":848.06,"end":848.22003,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1474989354610443},{"word":"you","start":848.22003,"end":848.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21971935033798215},{"word":"lose","start":848.38,"end":848.62,"confidence":0.98095703,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.29296350479125977},{"word":"half","start":848.62,"end":848.86,"confidence":0.99902344,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.22134093940258023},{"word":"your","start":848.86,"end":849.10004,"confidence":0.9301758,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2393486350774765},{"word":"super","start":849.10004,"end":849.42004,"confidence":0.9802246,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.22507581114768985},{"word":"do","start":849.42004,"end":849.5,"confidence":0.99316406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.03555301949381828},{"word":"you","start":849.5,"end":849.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.034519970417022705},{"word":"know","start":849.58,"end":849.74,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.027707722038030624},{"word":"what","start":849.74,"end":849.82,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03725697845220566},{"word":"i","start":849.82,"end":850.155,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.032714374363422394},{"word":"so","start":852.395,"end":852.715,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01649143546819687},{"word":"what","start":852.715,"end":852.79504,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.019247204065322876},{"word":"i","start":852.79504,"end":852.875,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.014999840408563614},{"word":"wanted","start":852.875,"end":853.03503,"confidence":0.9902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.00937248021364212},{"word":"to","start":853.03503,"end":853.195,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010455481708049774},{"word":"check","start":853.195,"end":853.43506,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.014542702585458755},{"word":"with","start":853.43506,"end":853.515,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0049883536994457245},{"word":"you","start":853.515,"end":853.67505,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003759346902370453},{"word":"is","start":853.67505,"end":853.835,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006494738161563873},{"word":"because","start":853.835,"end":854.075,"confidence":0.96240234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0056880079209804535},{"word":"we're","start":854.075,"end":854.23505,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.015768887475132942},{"word":"still","start":854.23505,"end":854.47504,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.01873835176229477},{"word":"focused","start":854.47504,"end":854.875,"confidence":0.9970703,"punctuated_word":"focused","sentiment":"neutral","sentiment_score":-0.02454635500907898},{"word":"so","start":854.875,"end":854.955,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.012891583144664764},{"word":"much","start":854.955,"end":855.195,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.00817340612411499},{"word":"on","start":855.195,"end":855.43506,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.00959322601556778},{"word":"growth","start":855.43506,"end":855.755,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.02157025784254074},{"word":"right","start":855.755,"end":855.99506,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.02553858608007431},{"word":"now","start":855.99506,"end":856.49506,"confidence":0.9555664,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.0203457772731781},{"word":"are","start":856.55505,"end":856.715,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.016040954738855362},{"word":"you","start":856.715,"end":856.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023212946951389313},{"word":"okay","start":856.955,"end":857.35504,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.012081347405910492},{"word":"with","start":857.35504,"end":857.59503,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0757426992058754},{"word":"that","start":857.59503,"end":857.755,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07764236629009247},{"word":"roller","start":857.755,"end":858.075,"confidence":0.99902344,"punctuated_word":"roller","sentiment":"neutral","sentiment_score":-0.05909919738769531},{"word":"coaster","start":858.075,"end":858.47504,"confidence":0.78222656,"punctuated_word":"coaster","sentiment":"neutral","sentiment_score":-0.0752989873290062},{"word":"ride","start":858.47504,"end":858.715,"confidence":0.9970703,"punctuated_word":"ride","sentiment":"neutral","sentiment_score":-0.06399186700582504},{"word":"for","start":858.715,"end":858.955,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12476921081542967},{"word":"it","start":858.955,"end":859.03503,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15521247684955597},{"word":"to","start":859.03503,"end":859.11505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1387772262096405},{"word":"be","start":859.11505,"end":859.195,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09782849252223969},{"word":"going","start":859.195,"end":859.43506,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.07523424178361893},{"word":"up","start":859.43506,"end":859.59503,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.09895049035549164},{"word":"and","start":859.59503,"end":859.755,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12066073715686798},{"word":"down","start":859.755,"end":859.99506,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.07350995391607285},{"word":"so","start":859.99506,"end":860.23505,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.09358363598585127},{"word":"much","start":860.23505,"end":860.55505,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.06934933364391327},{"word":"to","start":860.55505,"end":860.715,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08695001900196075},{"word":"get","start":860.715,"end":860.955,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.06759534776210785},{"word":"that","start":860.955,"end":861.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06580109894275665},{"word":"growth","start":861.195,"end":861.695,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.04607297480106354},{"word":"and","start":861.99506,"end":862.155,"confidence":0.93847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06896910816431046},{"word":"then","start":862.155,"end":862.395,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.03298372030258179},{"word":"protect","start":862.395,"end":862.79504,"confidence":0.99316406,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":-0.08214699476957321},{"word":"it","start":862.79504,"end":862.955,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.055207185447216034},{"word":"later","start":862.955,"end":863.455,"confidence":0.85180664,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":-0.05522839725017547},{"word":"or","start":864.02997,"end":864.52997,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06227540224790573},{"word":"should","start":864.75,"end":864.91,"confidence":0.9892578,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.07967069745063782},{"word":"we","start":864.91,"end":865.14996,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05279218405485153},{"word":"be","start":865.14996,"end":865.31,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06907960027456284},{"word":"talking","start":865.31,"end":865.63,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.04666411131620407},{"word":"about","start":865.63,"end":865.94995,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06749249249696732},{"word":"reducing","start":865.94995,"end":866.35,"confidence":1.0,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":-0.1051766574382782},{"word":"the","start":866.35,"end":866.43,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17008665204048157},{"word":"risk","start":866.43,"end":866.75,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.23009194433689115},{"word":"a","start":866.75,"end":866.82996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12944959104061127},{"word":"little","start":866.82996,"end":867.07,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.05131547152996063},{"word":"bit","start":867.07,"end":867.57,"confidence":0.9926758,"punctuated_word":"bit?","sentiment":"neutral","sentiment_score":-0.08073639124631882},{"word":"so","start":876.215,"end":876.455,"confidence":0.79541016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006581462919712067},{"word":"the","start":876.455,"end":876.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0017074346542358398},{"word":"way","start":876.615,"end":876.775,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.014877699315547945},{"word":"that","start":876.775,"end":877.015,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010224193334579468},{"word":"usually","start":877.015,"end":877.335,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.014951422810554504},{"word":"plays","start":877.335,"end":877.575,"confidence":1.0,"punctuated_word":"plays","sentiment":"neutral","sentiment_score":0.008784152567386627},{"word":"out","start":877.575,"end":878.075,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.013661392033100128},{"word":"is","start":878.375,"end":878.695,"confidence":0.8823242,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.01373082771897316},{"word":"let's","start":878.695,"end":879.015,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.00885375589132309},{"word":"say","start":879.015,"end":879.335,"confidence":0.92700195,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.0016580931842327118},{"word":"in","start":879.335,"end":879.495,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004379011690616608},{"word":"the","start":879.495,"end":879.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009573191404342651},{"word":"next","start":879.575,"end":879.895,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.010286539793014526},{"word":"nine","start":879.895,"end":880.135,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.006228335201740265},{"word":"years","start":880.135,"end":880.635,"confidence":0.99658203,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.00281587615609169},{"word":"you're","start":881.015,"end":881.335,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02316005527973175},{"word":"expecting","start":881.335,"end":881.835,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":-0.008014097809791565},{"word":"seven","start":881.97504,"end":882.215,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.020258083939552307},{"word":"years","start":882.215,"end":882.455,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.019687972962856293},{"word":"where","start":882.455,"end":882.615,"confidence":0.9291992,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03260744363069534},{"word":"the","start":882.615,"end":882.855,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011409364640712738},{"word":"market","start":882.855,"end":883.255,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.012890748679637907},{"word":"grows","start":883.255,"end":883.755,"confidence":0.986084,"punctuated_word":"grows,","sentiment":"neutral","sentiment_score":0.0033254586160182953},{"word":"two","start":884.055,"end":884.295,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.0014004260301589966},{"word":"years","start":884.295,"end":884.53503,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.003300674259662628},{"word":"where","start":884.53503,"end":884.695,"confidence":0.98291016,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.015823617577552795},{"word":"the","start":884.695,"end":884.855,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02771107107400894},{"word":"market","start":884.855,"end":885.175,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.04699103534221649},{"word":"goes","start":885.175,"end":885.495,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.02986392378807068},{"word":"down","start":885.495,"end":885.995,"confidence":0.9946289,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.0003551468253135681},{"word":"if","start":887.175,"end":887.41504,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.053916797041893005},{"word":"that","start":887.41504,"end":887.575,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031555429100990295},{"word":"happens","start":887.575,"end":887.895,"confidence":1.0,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.04474321007728577},{"word":"this","start":887.895,"end":888.15,"confidence":0.9614258,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07618079334497452},{"word":"year","start":888.15,"end":888.39,"confidence":0.88916016,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.08230872452259064},{"word":"next","start":888.39,"end":888.55005,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09618110954761504},{"word":"year","start":888.55005,"end":888.63,"confidence":0.9980469,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.10114569962024687},{"word":"that's","start":888.63,"end":888.87,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1516900658607483},{"word":"actually","start":888.87,"end":889.19,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.19803987443447113},{"word":"kind","start":889.19,"end":889.35004,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.20579631626605988},{"word":"of","start":889.35004,"end":889.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19059094786643985},{"word":"a","start":889.51,"end":889.67004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24776095151901245},{"word":"good","start":889.67004,"end":889.83,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3627215623855591},{"word":"thing","start":889.83,"end":890.07,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.32362455129623413},{"word":"because","start":890.07,"end":890.31,"confidence":0.8745117,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2187480628490448},{"word":"we","start":890.31,"end":890.47003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18709450960159305},{"word":"can","start":890.47003,"end":890.71,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23048800230026245},{"word":"use","start":890.71,"end":890.87,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.30069059133529663},{"word":"it","start":890.87,"end":891.03,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22897908091545105},{"word":"as","start":891.03,"end":891.19,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25235119462013245},{"word":"a","start":891.19,"end":891.35004,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1974671334028244},{"word":"buying","start":891.35004,"end":891.75,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.15629148483276367},{"word":"opportunity","start":891.75,"end":892.25,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.15459388494491577},{"word":"to","start":892.79004,"end":892.95,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13840731978416443},{"word":"kind","start":892.95,"end":893.11005,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16926904022693634},{"word":"of","start":893.11005,"end":893.27,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14265340566635132},{"word":"buy","start":893.27,"end":893.51,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.1232326552271843},{"word":"into","start":893.51,"end":893.83,"confidence":0.9863281,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13804608583450317},{"word":"all","start":893.83,"end":893.99005,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14875885844230652},{"word":"of","start":893.99005,"end":894.15,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1437784731388092},{"word":"the","start":894.15,"end":894.39,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11043187975883484},{"word":"shares","start":894.39,"end":894.71,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.12304428219795228},{"word":"and","start":894.71,"end":894.87,"confidence":0.8388672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.071034274995327},{"word":"property","start":894.87,"end":895.37,"confidence":0.9980469,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.1065790429711342},{"word":"gold","start":895.43005,"end":895.93005,"confidence":0.5917969,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.06692469120025635},{"word":"when","start":896.15,"end":896.31,"confidence":0.984375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.039432793855667114},{"word":"they","start":896.31,"end":896.47003,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.009092748165130615},{"word":"go","start":896.47003,"end":896.71,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.029880769550800323},{"word":"down","start":896.71,"end":897.21,"confidence":0.9970703,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.028763743117451668},{"word":"we","start":897.43005,"end":897.59,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.07132191956043243},{"word":"don't","start":897.59,"end":897.83,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05474511906504631},{"word":"want","start":897.83,"end":898.07,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04896915704011917},{"word":"that","start":898.07,"end":898.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15480002760887146},{"word":"to","start":898.31,"end":898.47003,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09895224124193192},{"word":"happen","start":898.47003,"end":898.95,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.16253873705863953},{"word":"when","start":898.95,"end":899.19,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.16185523569583893},{"word":"you're","start":899.19,"end":899.43005,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12130435556173325},{"word":"three","start":899.43005,"end":899.59,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.13912969827651978},{"word":"years","start":899.59,"end":899.91003,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.11955931782722472},{"word":"from","start":899.91003,"end":900.15,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1638564020395279},{"word":"retirement","start":900.15,"end":900.65,"confidence":0.9926758,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.09331388771533966},{"word":"so","start":905.83496,"end":905.915,"confidence":0.86328125,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.16888265311717987},{"word":"yeah","start":905.915,"end":906.315,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.20291581749916077},{"word":"it's","start":906.315,"end":906.555,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21586787700653076},{"word":"gonna","start":906.555,"end":906.795,"confidence":0.96972656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2153056561946869},{"word":"be","start":906.795,"end":906.95496,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.20283977687358856},{"word":"a","start":906.95496,"end":907.035,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1610243320465088},{"word":"little","start":907.035,"end":907.27496,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10684353858232498},{"word":"bit","start":907.27496,"end":907.435,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08790740370750427},{"word":"of","start":907.435,"end":907.51495,"confidence":0.83496094,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.10999403148889542},{"word":"like","start":907.51495,"end":907.675,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08526894450187683},{"word":"a","start":907.675,"end":907.83496,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09074659645557404},{"word":"hold","start":907.83496,"end":907.995,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.11653731018304823},{"word":"on","start":907.995,"end":908.15497,"confidence":0.90625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1146167889237404},{"word":"to","start":908.15497,"end":908.315,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1764335185289383},{"word":"your","start":908.315,"end":908.555,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19643709063529968},{"word":"harness","start":908.555,"end":908.875,"confidence":0.9980469,"punctuated_word":"harness","sentiment":"neutral","sentiment_score":0.2432248741388321},{"word":"in","start":908.875,"end":909.035,"confidence":0.8613281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15341046452522278},{"word":"the","start":909.035,"end":909.195,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16649162769317627},{"word":"roller","start":909.195,"end":909.51495,"confidence":1.0,"punctuated_word":"roller","sentiment":"neutral","sentiment_score":0.26451319456100464},{"word":"coaster","start":909.51495,"end":909.995,"confidence":0.86572266,"punctuated_word":"coaster","sentiment":"neutral","sentiment_score":0.26862120628356934},{"word":"because","start":909.995,"end":910.39496,"confidence":0.77685547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1359584927558899},{"word":"what","start":910.39496,"end":910.635,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10072995722293854},{"word":"we're","start":910.635,"end":910.875,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09387974441051485},{"word":"basically","start":910.875,"end":911.355,"confidence":0.99902344,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.095215305685997},{"word":"doing","start":911.355,"end":911.855,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1269245743751526},{"word":"is","start":912.15497,"end":912.475,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1216961145401001},{"word":"we","start":912.475,"end":912.555,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1366334855556488},{"word":"need","start":912.555,"end":912.71497,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1325221806764603},{"word":"to","start":912.71497,"end":912.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12754595279693604},{"word":"get","start":912.875,"end":913.035,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12726730108261108},{"word":"you","start":913.035,"end":913.535,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.120979942381382},{"word":"enough","start":913.675,"end":914.075,"confidence":0.99902344,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.15251457691192627},{"word":"growth","start":914.075,"end":914.475,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.19663505256175995},{"word":"to","start":914.475,"end":914.71497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12771975994110107},{"word":"fund","start":914.71497,"end":914.95496,"confidence":1.0,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.23725678026676175},{"word":"the","start":914.95496,"end":915.115,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22327157855033877},{"word":"retirement","start":915.115,"end":915.615,"confidence":0.9313965,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.17943957448005676},{"word":"but","start":916.7,"end":916.86005,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.17501451075077057},{"word":"then","start":916.86005,"end":917.18005,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1684502363204956},{"word":"what","start":917.18005,"end":917.34,"confidence":0.97998047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19510090351104736},{"word":"we","start":917.34,"end":917.58,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1998285949230194},{"word":"normally","start":917.58,"end":917.82,"confidence":1.0,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.23857082426548004},{"word":"do","start":917.82,"end":917.98004,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18346524238586423},{"word":"is","start":917.98004,"end":918.14,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16787007451057434},{"word":"in","start":918.14,"end":918.38,"confidence":0.9658203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1879107356071472},{"word":"those","start":918.38,"end":918.62,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1859249621629715},{"word":"last","start":918.62,"end":918.86005,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.11649928987026216},{"word":"seven","start":918.86005,"end":919.26,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.1640496551990509},{"word":"years","start":919.26,"end":919.76,"confidence":0.99853516,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.1523665487766266},{"word":"we","start":920.14,"end":920.38,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23380005359649655},{"word":"slowly","start":920.38,"end":920.86005,"confidence":1.0,"punctuated_word":"slowly","sentiment":"neutral","sentiment_score":0.246500164270401},{"word":"reduce","start":920.86005,"end":921.26,"confidence":0.99609375,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.11881373077630995},{"word":"your","start":921.26,"end":921.42004,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14046721160411835},{"word":"risk","start":921.42004,"end":921.66003,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.004073590040206909},{"word":"level","start":921.66003,"end":922.06,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.04351834952831268},{"word":"down","start":922.06,"end":922.56,"confidence":0.9111328,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.13591867685317993},{"word":"like","start":922.62,"end":922.86005,"confidence":0.84521484,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0846986323595047},{"word":"once","start":922.86005,"end":923.18005,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1895071417093277},{"word":"every","start":923.18005,"end":923.5,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.150376558303833},{"word":"three","start":923.5,"end":923.66003,"confidence":0.8408203,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.16780157387256622},{"word":"years","start":923.66003,"end":924.16003,"confidence":0.99902344,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.1777847707271576},{"word":"so","start":924.22003,"end":924.54004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1920890510082245},{"word":"instead","start":924.54004,"end":924.86005,"confidence":0.99902344,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.13492420315742493},{"word":"of","start":924.86005,"end":925.02,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14830632507801056},{"word":"90%","start":925.02,"end":925.74005,"confidence":0.9995117,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.14103758335113523},{"word":"shares","start":925.74005,"end":926.06,"confidence":0.9980469,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.06475046277046204},{"word":"in","start":926.06,"end":926.22003,"confidence":0.35668945,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08654190599918365},{"word":"property","start":926.22003,"end":926.72003,"confidence":1.0,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.12278033792972563},{"word":"we","start":926.78,"end":927.02,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23345528542995453},{"word":"go","start":927.02,"end":927.42004,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2956753671169281},{"word":"eighty","start":927.42004,"end":927.915,"confidence":0.9851074,"punctuated_word":"eighty,","sentiment":"neutral","sentiment_score":0.2333807796239853},{"word":"seventy","start":928.15497,"end":928.65497,"confidence":0.99853516,"punctuated_word":"seventy,","sentiment":"neutral","sentiment_score":0.21928565204143524},{"word":"sixty","start":928.95496,"end":929.27496,"confidence":0.99853516,"punctuated_word":"sixty,","sentiment":"neutral","sentiment_score":0.20160630345344543},{"word":"fifty","start":929.27496,"end":929.675,"confidence":0.9975586,"punctuated_word":"fifty,","sentiment":"neutral","sentiment_score":0.2029061913490295},{"word":"forty","start":929.675,"end":930.15497,"confidence":0.8479004,"punctuated_word":"forty,","sentiment":"neutral","sentiment_score":0.23407718539237976},{"word":"and","start":930.15497,"end":930.39496,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20926477015018463},{"word":"just","start":930.39496,"end":930.555,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23328140377998352},{"word":"kinda","start":930.555,"end":930.875,"confidence":0.66015625,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2311739027500153},{"word":"gradually","start":930.875,"end":931.375,"confidence":1.0,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":0.2685348689556122},{"word":"step","start":931.435,"end":931.675,"confidence":1.0,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.2848591208457947},{"word":"you","start":931.675,"end":931.915,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29515203833580017},{"word":"down","start":931.915,"end":932.39496,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2190602570772171},{"word":"in","start":932.39496,"end":932.555,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24983559548854828},{"word":"the","start":932.555,"end":932.71497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23464560508728027},{"word":"lead","start":932.71497,"end":932.95496,"confidence":0.9970703,"punctuated_word":"lead","sentiment":"neutral","sentiment_score":0.1758415699005127},{"word":"up","start":932.95496,"end":933.115,"confidence":0.7675781,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.2806311249732971},{"word":"if","start":933.115,"end":933.27496,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3339649736881256},{"word":"that","start":933.27496,"end":933.51495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3183841407299042},{"word":"makes","start":933.51495,"end":933.675,"confidence":0.9951172,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.27039021253585815},{"word":"sense","start":933.675,"end":934.175,"confidence":0.99853516,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.17614318430423737},{"word":"so","start":935.595,"end":935.915,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20929604768753052},{"word":"what","start":935.915,"end":936.07495,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23947712779045105},{"word":"we're","start":936.07495,"end":936.235,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.25565531849861145},{"word":"gonna","start":936.235,"end":936.475,"confidence":0.9243164,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.30191570520401},{"word":"be","start":936.475,"end":936.63495,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.25587403774261475},{"word":"doing","start":936.63495,"end":936.95496,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.25904417037963867},{"word":"every","start":936.95496,"end":937.195,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.23808950185775757},{"word":"year","start":937.195,"end":937.435,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2455054223537445},{"word":"is","start":937.435,"end":937.595,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2217002809047699},{"word":"we're","start":937.595,"end":937.755,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2322397530078888},{"word":"gonna","start":937.755,"end":937.995,"confidence":0.97802734,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1919352114200592},{"word":"do","start":937.995,"end":938.495,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18003791570663452},{"word":"pretty","start":938.555,"end":938.795,"confidence":0.9326172,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.20811620354652405},{"word":"close","start":938.795,"end":939.195,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.17843371629714966},{"word":"review","start":939.195,"end":939.695,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.13292311131954193},{"word":"where","start":939.915,"end":940.235,"confidence":0.76660156,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10358458757400511},{"word":"if","start":940.235,"end":940.315,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1332627832889557},{"word":"you've","start":940.315,"end":940.555,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08190978318452835},{"word":"gotten","start":940.555,"end":940.875,"confidence":0.9819336,"punctuated_word":"gotten","sentiment":"neutral","sentiment_score":0.2416304051876068},{"word":"a","start":940.875,"end":940.95496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2922942638397217},{"word":"really","start":940.95496,"end":941.27496,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2188369631767273},{"word":"strong","start":941.27496,"end":941.675,"confidence":1.0,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":0.31874823570251465},{"word":"year","start":941.675,"end":942.175,"confidence":0.9975586,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.31361380219459534},{"word":"then","start":942.235,"end":942.475,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2767634391784668},{"word":"we","start":942.475,"end":942.71497,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24193674325942993},{"word":"might","start":942.71497,"end":943.2,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2702424228191376},{"word":"reduce","start":943.44,"end":943.68,"confidence":0.9980469,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.13979914784431458},{"word":"your","start":943.68,"end":943.92,"confidence":0.64160156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07566364109516144},{"word":"risk","start":943.92,"end":944.16003,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0923796445131302},{"word":"level","start":944.16003,"end":944.48004,"confidence":0.99902344,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.08523023128509521},{"word":"down","start":944.48004,"end":944.98004,"confidence":0.99853516,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.03855250030755997},{"word":"if","start":945.04004,"end":945.2,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0010123103857040403},{"word":"it's","start":945.2,"end":945.36,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.049553535878658295},{"word":"dropped","start":945.36,"end":945.68,"confidence":1.0,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.029259219765663147},{"word":"a","start":945.68,"end":945.76,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0947265774011612},{"word":"little","start":945.76,"end":945.92,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09903060644865036},{"word":"bit","start":945.92,"end":946.16003,"confidence":1.0,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.06266206502914429},{"word":"we're","start":946.16003,"end":946.32,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03619265928864479},{"word":"gonna","start":946.32,"end":946.48004,"confidence":0.97509766,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05991484597325325},{"word":"wait","start":946.48004,"end":946.72003,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.004475876688957214},{"word":"for","start":946.72003,"end":946.88,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02432997524738312},{"word":"the","start":946.88,"end":947.04004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04607537388801575},{"word":"growth","start":947.04004,"end":947.36,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0648481547832489},{"word":"to","start":947.36,"end":947.60004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025289490818977356},{"word":"occur","start":947.60004,"end":948.10004,"confidence":1.0,"punctuated_word":"occur.","sentiment":"neutral","sentiment_score":0.08257938921451569},{"word":"is","start":949.60004,"end":949.76,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0872914046049118},{"word":"that","start":949.76,"end":949.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12194450199604034},{"word":"okay","start":949.92,"end":950.24,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.09995067864656448},{"word":"for","start":950.24,"end":950.48004,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04443544149398804},{"word":"you","start":950.48004,"end":950.98004,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.03049321845173836},{"word":"that's","start":953.2,"end":953.44,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08509108424186707},{"word":"what","start":953.44,"end":953.60004,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09103231877088548},{"word":"i'm","start":953.60004,"end":953.76,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0757402777671814},{"word":"thinking","start":953.76,"end":954.08,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.07088315486907959},{"word":"because","start":954.08,"end":954.24,"confidence":0.7607422,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07109099626541138},{"word":"we","start":954.24,"end":954.4,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12240487337112428},{"word":"don't","start":954.4,"end":954.56,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16114287078380585},{"word":"wanna","start":954.56,"end":954.88,"confidence":0.9394531,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2153165191411972},{"word":"just","start":954.88,"end":955.12,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2704846262931824},{"word":"call","start":955.12,"end":955.36,"confidence":0.99316406,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.30576884746551514},{"word":"it","start":955.36,"end":955.815,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2164970636367798},{"word":"quits","start":955.895,"end":956.295,"confidence":0.9675293,"punctuated_word":"quits","sentiment":"neutral","sentiment_score":-0.30302488803863525},{"word":"too","start":956.295,"end":956.455,"confidence":0.9980469,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.33466091752052307},{"word":"early","start":956.455,"end":956.955,"confidence":1.0,"punctuated_word":"early","sentiment":"negative","sentiment_score":-0.37689733505249023},{"word":"because","start":957.335,"end":957.655,"confidence":0.87060547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14156091213226318},{"word":"this","start":957.655,"end":957.895,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05976789444684982},{"word":"is","start":957.895,"end":957.975,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04887464642524719},{"word":"where","start":957.975,"end":958.215,"confidence":0.9394531,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.028423234820365902},{"word":"you","start":958.215,"end":958.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008974060416221619},{"word":"make","start":958.455,"end":958.615,"confidence":0.99121094,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.030170075595378876},{"word":"that","start":958.615,"end":958.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.041416630148887634},{"word":"last","start":958.855,"end":959.175,"confidence":0.9951172,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.03275664895772934},{"word":"little","start":959.175,"end":959.415,"confidence":0.9223633,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.03359375149011612},{"word":"bit","start":959.415,"end":959.575,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.037978239357471466},{"word":"of","start":959.575,"end":959.655,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06187283247709274},{"word":"growth","start":959.655,"end":960.155,"confidence":0.8479004,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":-0.04664324969053269},{"word":"yeah","start":962.055,"end":962.295,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03891277313232422},{"word":"so","start":962.295,"end":962.615,"confidence":0.9550781,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.027101334184408188},{"word":"are","start":962.615,"end":962.775,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01979251578450203},{"word":"you","start":962.775,"end":962.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023877155035734177},{"word":"okay","start":962.935,"end":963.335,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.05775393545627594},{"word":"to","start":963.335,"end":963.735,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009203657507896423},{"word":"if","start":963.895,"end":964.135,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.018662499263882637},{"word":"we","start":964.135,"end":964.295,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014229483902454376},{"word":"need","start":964.295,"end":964.535,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0010005012154579165},{"word":"to","start":964.535,"end":964.775,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.003210105001926422},{"word":"go","start":964.775,"end":965.175,"confidence":0.88427734,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.025868836790323257},{"word":"62","start":965.175,"end":965.975,"confidence":0.76464844,"punctuated_word":"62","sentiment":"neutral","sentiment_score":0.049817897379398346},{"word":"just","start":965.975,"end":966.135,"confidence":0.78222656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013469919562339784},{"word":"so","start":966.135,"end":966.295,"confidence":0.97998047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01555171236395836},{"word":"we've","start":966.295,"end":966.455,"confidence":0.81225586,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.04372785985469818},{"word":"got","start":966.455,"end":966.615,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04643448814749718},{"word":"the","start":966.615,"end":966.775,"confidence":0.9350586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04114391282200813},{"word":"extra","start":966.775,"end":967.09503,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.04515935108065605},{"word":"couple","start":967.09503,"end":967.335,"confidence":0.9980469,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.028483323752880096},{"word":"of","start":967.335,"end":967.495,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.035921309143304825},{"word":"years","start":967.495,"end":967.735,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.03582819551229477},{"word":"to","start":967.735,"end":967.815,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04441801458597183},{"word":"get","start":967.815,"end":967.975,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04511113837361336},{"word":"the","start":967.975,"end":968.135,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.036142874509096146},{"word":"growth","start":968.135,"end":968.375,"confidence":0.9790039,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.18532535433769223},{"word":"out","start":968.375,"end":968.615,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.133942648768425},{"word":"of","start":968.615,"end":968.695,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07928800582885742},{"word":"it","start":968.695,"end":969.03,"confidence":0.9453125,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.06798052787780762},{"word":"perfect","start":970.55005,"end":970.95,"confidence":0.9946289,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5027345418930054},{"word":"perfect","start":970.95,"end":971.45,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.46687179803848267},{"word":"so","start":973.35004,"end":973.85004,"confidence":0.8039551,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.18462719023227692},{"word":"yeah","start":976.31006,"end":976.71,"confidence":0.99365234,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.29202836751937866},{"word":"just","start":976.71,"end":976.95,"confidence":0.9760742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22559736669063568},{"word":"to","start":976.95,"end":977.11005,"confidence":0.92333984,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22516322135925293},{"word":"be","start":977.11005,"end":977.19,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24796053767204285},{"word":"able","start":977.19,"end":977.43005,"confidence":0.9921875,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.3199020028114319},{"word":"to","start":977.43005,"end":977.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3314060866832733},{"word":"have","start":977.51,"end":977.91003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3309248387813568},{"word":"the","start":977.91003,"end":978.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2835657000541687},{"word":"freedom","start":978.15,"end":978.63,"confidence":1.0,"punctuated_word":"freedom","sentiment":"neutral","sentiment_score":0.28254279494285583},{"word":"to","start":978.63,"end":979.13,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24834105372428897},{"word":"slow","start":979.35004,"end":979.67004,"confidence":0.9970703,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":0.24639438092708588},{"word":"down","start":979.67004,"end":980.17004,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.034885626286268234},{"word":"when","start":980.87006,"end":981.03,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02078825980424881},{"word":"you've","start":981.03,"end":981.27,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.009788325987756252},{"word":"got","start":981.27,"end":981.51,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.022681504487991333},{"word":"enough","start":981.51,"end":981.91003,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.031117811799049377},{"word":"there","start":981.91003,"end":982.41003,"confidence":0.9807129,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.059207718819379807},{"word":"yeah","start":982.55005,"end":982.95,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15136229991912842},{"word":"yep","start":982.95,"end":983.27,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17797651886940002},{"word":"i'm","start":983.27,"end":983.43005,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.21880792081356049},{"word":"with","start":983.43005,"end":983.67004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18720892071723935},{"word":"you","start":983.67004,"end":984.17004,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.23067554831504825},{"word":"so","start":985.475,"end":985.715,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14625780284404755},{"word":"our","start":985.715,"end":985.875,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.15822555124759674},{"word":"main","start":985.875,"end":986.115,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.23333534598350525},{"word":"focus","start":986.115,"end":986.435,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.1893017441034317},{"word":"at","start":986.435,"end":986.595,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2044810652732849},{"word":"the","start":986.595,"end":986.675,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20323878526687625},{"word":"moment","start":986.675,"end":987.075,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.24680744111537933},{"word":"will","start":987.075,"end":987.235,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1800268143415451},{"word":"be","start":987.235,"end":987.555,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2346055805683136},{"word":"just","start":987.555,"end":987.715,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24169068038463593},{"word":"keeping","start":987.715,"end":988.035,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.21239975094795227},{"word":"a","start":988.035,"end":988.195,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20115283131599423},{"word":"very","start":988.195,"end":988.435,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.1802065670490265},{"word":"close","start":988.435,"end":988.675,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.24672028422355652},{"word":"eye","start":988.675,"end":988.835,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.2120032012462616},{"word":"on","start":988.835,"end":988.995,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24410057067871097},{"word":"the","start":988.995,"end":989.15497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20703478157520297},{"word":"portfolio","start":989.15497,"end":989.65497,"confidence":0.73046875,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.19154098629951477},{"word":"and","start":990.115,"end":990.355,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1082887351512909},{"word":"then","start":990.355,"end":990.595,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09282295405864716},{"word":"every","start":990.595,"end":990.915,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.11052078008651732},{"word":"review","start":990.915,"end":991.415,"confidence":0.8762207,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.09464150667190552},{"word":"just","start":991.475,"end":991.975,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18767668306827545},{"word":"talking","start":992.435,"end":992.675,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.12093373388051988},{"word":"to","start":992.675,"end":992.915,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17559798061847687},{"word":"you","start":992.915,"end":992.995,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14344830811023712},{"word":"about","start":992.995,"end":993.315,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1607213318347931},{"word":"when","start":993.315,"end":993.635,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.17267130315303802},{"word":"we","start":993.635,"end":993.875,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18762680888175964},{"word":"slowly","start":993.875,"end":994.275,"confidence":1.0,"punctuated_word":"slowly","sentiment":"neutral","sentiment_score":0.2481013834476471},{"word":"reduce","start":994.275,"end":994.675,"confidence":0.9902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.12683536112308502},{"word":"the","start":994.675,"end":994.835,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22553206980228424},{"word":"risk","start":994.835,"end":995.075,"confidence":0.99609375,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0708225667476654},{"word":"down","start":995.075,"end":995.555,"confidence":0.7519531,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.24907737970352173},{"word":"we're","start":995.555,"end":995.715,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2877592444419861},{"word":"gonna","start":995.715,"end":996.035,"confidence":0.9760742,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2932901382446289},{"word":"kind","start":996.035,"end":996.275,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.17872917652130127},{"word":"of","start":996.275,"end":996.435,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23898644745349884},{"word":"time","start":996.435,"end":996.675,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.22605504095554352},{"word":"it","start":996.675,"end":996.835,"confidence":0.921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.201246976852417},{"word":"each","start":996.835,"end":997.075,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.20114412903785703},{"word":"year","start":997.075,"end":997.315,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.16634097695350647},{"word":"with","start":997.315,"end":997.475,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18394027650356293},{"word":"you","start":997.475,"end":997.89,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15969353914260864},{"word":"okay","start":999.41003,"end":999.73004,"confidence":0.8461914,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0679420679807663},{"word":"so","start":999.73004,"end":999.89,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06136695295572281},{"word":"i'm","start":999.89,"end":1000.05,"confidence":1.0,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.3530297875404358},{"word":"not","start":1000.05,"end":1000.21,"confidence":0.9760742,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4888748526573181},{"word":"gonna","start":1000.21,"end":1000.69,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.49329277873039246},{"word":"change","start":1000.69,"end":1001.09,"confidence":0.99902344,"punctuated_word":"change","sentiment":"negative","sentiment_score":-0.4043182730674744},{"word":"super","start":1001.09,"end":1001.33,"confidence":0.8935547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.2996751070022583},{"word":"funds","start":1001.33,"end":1001.65,"confidence":0.921875,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.2126925140619278},{"word":"now","start":1001.65,"end":1001.89,"confidence":0.9941406,"punctuated_word":"now.","sentiment":"negative","sentiment_score":-0.5330456495285034},{"word":"we're","start":1001.89,"end":1002.13,"confidence":1.0,"punctuated_word":"We're","sentiment":"negative","sentiment_score":-0.434443473815918},{"word":"not","start":1002.13,"end":1002.21,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.40340977907180786},{"word":"gonna","start":1002.21,"end":1002.45,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.36155712604522705},{"word":"really","start":1002.45,"end":1002.69,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.29211801290512085},{"word":"i'll","start":1002.93,"end":1003.17004,"confidence":0.9921875,"punctuated_word":"I'll","sentiment":"negative","sentiment_score":-0.35792192816734314},{"word":"put","start":1003.17004,"end":1003.33,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.3175002336502075},{"word":"a","start":1003.33,"end":1003.49,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3064388036727905},{"word":"flag","start":1003.49,"end":1003.81,"confidence":1.0,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":-0.22509756684303284},{"word":"on","start":1003.81,"end":1003.97003,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.278848260641098},{"word":"that","start":1003.97003,"end":1004.13,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.33504021167755127},{"word":"option","start":1004.13,"end":1004.61,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.3135751485824585},{"word":"for","start":1004.61,"end":1004.77,"confidence":0.99902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.376433402299881},{"word":"the","start":1004.77,"end":1004.93,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.36402368545532227},{"word":"end","start":1004.93,"end":1005.09,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.3300589323043823},{"word":"of","start":1005.09,"end":1005.17004,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3679637014865875},{"word":"the","start":1005.17004,"end":1005.33,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.116862952709198},{"word":"year","start":1005.33,"end":1005.83,"confidence":0.88793945,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.1350632905960083},{"word":"and","start":1007.01,"end":1007.33,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1899481862783432},{"word":"we'll","start":1007.33,"end":1007.57,"confidence":0.97436523,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.15796390175819397},{"word":"just","start":1007.57,"end":1007.81,"confidence":0.83251953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1386697143316269},{"word":"kind","start":1007.81,"end":1007.97003,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.25930237770080566},{"word":"of","start":1007.97003,"end":1008.13,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.34026554226875305},{"word":"keep","start":1008.13,"end":1008.45,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.24997608363628387},{"word":"trying","start":1008.45,"end":1008.69,"confidence":0.9941406,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.2784441113471985},{"word":"to","start":1008.69,"end":1008.77,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.30942654609680176},{"word":"get","start":1008.77,"end":1008.93,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.231634721159935},{"word":"that","start":1008.93,"end":1009.09,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.30593591928482056},{"word":"growth","start":1009.09,"end":1009.41003,"confidence":0.9951172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.1102893203496933},{"word":"out","start":1009.41003,"end":1009.57,"confidence":0.9902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.32105448842048645},{"word":"of","start":1009.57,"end":1009.73004,"confidence":0.9941406,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4067871868610382},{"word":"it","start":1009.73004,"end":1009.905,"confidence":0.782959,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.24126876890659332},{"word":"the","start":1012.30505,"end":1012.465,"confidence":0.99316406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10036229342222214},{"word":"other","start":1012.465,"end":1012.625,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07770524173974991},{"word":"thing","start":1012.625,"end":1012.86505,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.09215819835662842},{"word":"too","start":1012.86505,"end":1013.10504,"confidence":0.96533203,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.06231314688920975},{"word":"is","start":1013.10504,"end":1013.34503,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05462348461151123},{"word":"just","start":1013.34503,"end":1013.505,"confidence":0.9394531,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0723084956407547},{"word":"in","start":1013.505,"end":1013.66504,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05533790588378906},{"word":"terms","start":1013.66504,"end":1013.905,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.06712169945240021},{"word":"of","start":1013.905,"end":1014.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0726410299539566},{"word":"fees","start":1014.065,"end":1014.565,"confidence":0.9213867,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.07636810839176178},{"word":"you","start":1015.10504,"end":1015.42505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07754173874855042},{"word":"do","start":1015.42505,"end":1015.66504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06062738597393036},{"word":"have","start":1015.66504,"end":1016.16504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.042889613658189774},{"word":"the","start":1016.54504,"end":1016.78503,"confidence":0.86328125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04213519394397736},{"word":"life","start":1016.78503,"end":1017.10504,"confidence":0.9350586,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.09393522143363953},{"word":"and","start":1017.10504,"end":1017.505,"confidence":0.86279297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06665109097957611},{"word":"tpd","start":1017.505,"end":1018.005,"confidence":0.9316406,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.04477814584970474},{"word":"insurance","start":1018.145,"end":1018.645,"confidence":0.99121094,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.05751794204115867},{"word":"coming","start":1019.42505,"end":1019.74506,"confidence":0.9951172,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.054703909903764725},{"word":"out","start":1019.74506,"end":1019.905,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08230947703123093},{"word":"of","start":1019.905,"end":1020.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.038368284702301025},{"word":"the","start":1020.065,"end":1020.22504,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049511976540088654},{"word":"super","start":1020.22504,"end":1020.54504,"confidence":0.92822266,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1235104575753212},{"word":"as","start":1020.54504,"end":1020.705,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08858779072761536},{"word":"well","start":1020.705,"end":1021.025,"confidence":0.6734619,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.04468943923711777},{"word":"that","start":1021.025,"end":1021.34503,"confidence":0.54003906,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.01912994682788849},{"word":"250,000","start":1021.34503,"end":1022.965,"confidence":0.97021484,"punctuated_word":"250,000","sentiment":"neutral","sentiment_score":0.03140474483370781},{"word":"worth","start":1023.31,"end":1023.55005,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.03081025183200836},{"word":"of","start":1023.55005,"end":1023.63,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.017985880374908447},{"word":"life","start":1023.63,"end":1024.03,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.08512506633996964},{"word":"and","start":1024.03,"end":1024.27,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.047953881323337555},{"word":"disability","start":1024.27,"end":1024.77,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.0651165023446083},{"word":"insurance","start":1024.8301,"end":1025.23,"confidence":0.9411621,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.024197865277528763},{"word":"does","start":1025.23,"end":1025.39,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.04308028146624565},{"word":"that","start":1025.39,"end":1025.55,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05367948114871979},{"word":"ring","start":1025.55,"end":1025.79,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.0437222421169281},{"word":"a","start":1025.79,"end":1025.87,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016983117908239365},{"word":"bell","start":1025.87,"end":1026.37,"confidence":1.0,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.028304550796747208},{"word":"now","start":1027.87,"end":1028.1901,"confidence":0.9892578,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.051464810967445374},{"word":"this","start":1028.1901,"end":1028.43,"confidence":0.99316406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02258922904729843},{"word":"one's","start":1028.43,"end":1028.67,"confidence":0.9812012,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.07602261006832123},{"word":"not","start":1028.67,"end":1028.91,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1297169029712677},{"word":"too","start":1028.91,"end":1029.0701,"confidence":0.9980469,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.0402502566576004},{"word":"bad","start":1029.0701,"end":1029.5701,"confidence":0.9995117,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.06706175953149796},{"word":"normally","start":1029.9501,"end":1030.43,"confidence":0.8330078,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":0.02106679230928421},{"word":"i'd","start":1030.43,"end":1030.59,"confidence":0.9975586,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.024205584079027176},{"word":"expect","start":1030.59,"end":1030.91,"confidence":0.99316406,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.05572279542684555},{"word":"it","start":1030.91,"end":1031.0701,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01894378662109375},{"word":"to","start":1031.0701,"end":1031.15,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.035171136260032654},{"word":"be","start":1031.15,"end":1031.65,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.015556037425994871},{"word":"a","start":1031.7101,"end":1031.87,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02131928503513336},{"word":"little","start":1031.87,"end":1032.11,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06955566257238388},{"word":"bit","start":1032.11,"end":1032.27,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05266928672790527},{"word":"more","start":1032.27,"end":1032.67,"confidence":0.9941406,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.023902270942926407},{"word":"but","start":1032.67,"end":1032.91,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.024662718176841736},{"word":"it's","start":1032.91,"end":1033.23,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04457707330584526},{"word":"sitting","start":1033.23,"end":1033.55,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.005813904106616974},{"word":"at","start":1033.55,"end":1034.05,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.010213755071163176},{"word":"$662","start":1034.1901,"end":1035.945,"confidence":0.9849609,"punctuated_word":"$662.","sentiment":"neutral","sentiment_score":-0.011804044246673584},{"word":"last","start":1035.945,"end":1036.1849,"confidence":1.0,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.16622737050056458},{"word":"time","start":1036.1849,"end":1036.4249,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.1314498335123062},{"word":"i","start":1036.4249,"end":1036.585,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10264060646295547},{"word":"checked","start":1036.585,"end":1036.825,"confidence":1.0,"punctuated_word":"checked","sentiment":"neutral","sentiment_score":-0.05529297888278961},{"word":"it","start":1036.825,"end":1036.905,"confidence":0.99365234,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.11220505833625792},{"word":"i","start":1036.905,"end":1036.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1269523799419403},{"word":"think","start":1036.985,"end":1037.225,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06361042708158493},{"word":"it","start":1037.225,"end":1037.3049,"confidence":0.94921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06885270774364471},{"word":"was","start":1037.3049,"end":1037.5449,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07264332473278046},{"word":"500","start":1037.5449,"end":1038.105,"confidence":0.87719727,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":-0.05712687969207764},{"word":"so","start":1038.105,"end":1038.265,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.16961488127708435},{"word":"it","start":1038.265,"end":1038.4249,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.25751060247421265},{"word":"hasn't","start":1038.4249,"end":1038.745,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"negative","sentiment_score":-0.3597792983055115},{"word":"jumped","start":1038.745,"end":1039.065,"confidence":1.0,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":-0.2478009462356567},{"word":"up","start":1039.065,"end":1039.385,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.18974436819553375},{"word":"astronomically","start":1039.385,"end":1039.885,"confidence":0.99780273,"punctuated_word":"astronomically.","sentiment":"neutral","sentiment_score":-0.26118308305740356},{"word":"it","start":1040.345,"end":1040.585,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.319915235042572},{"word":"hasn't","start":1040.585,"end":1040.825,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"negative","sentiment_score":-0.4009813070297241},{"word":"doubled","start":1040.825,"end":1041.225,"confidence":0.99902344,"punctuated_word":"doubled","sentiment":"neutral","sentiment_score":-0.2258678376674652},{"word":"to","start":1041.225,"end":1041.385,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.33822643756866455},{"word":"a","start":1041.385,"end":1041.5449,"confidence":0.9633789,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2492137849330902},{"word":"thousand","start":1041.5449,"end":1041.865,"confidence":0.9951172,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.21796265244483948},{"word":"dollars","start":1041.865,"end":1042.1849,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.12887042760849},{"word":"or","start":1042.1849,"end":1042.345,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.28049302101135254},{"word":"anything","start":1042.345,"end":1042.745,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.26685354113578796},{"word":"like","start":1042.745,"end":1042.905,"confidence":1.0,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.3788416385650635},{"word":"that","start":1042.905,"end":1043.405,"confidence":0.9667969,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2539941668510437},{"word":"but","start":1044.585,"end":1044.745,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09783367067575456},{"word":"i","start":1044.745,"end":1044.905,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1089688166975975},{"word":"do","start":1044.905,"end":1044.985,"confidence":0.85839844,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06590071320533752},{"word":"just","start":1044.985,"end":1045.225,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08900638669729233},{"word":"wanna","start":1045.225,"end":1045.465,"confidence":0.9375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.05274442955851555},{"word":"check","start":1045.465,"end":1045.625,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.039308130741119385},{"word":"it","start":1045.625,"end":1045.785,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1047152727842331},{"word":"with","start":1045.785,"end":1045.945,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07229247689247131},{"word":"you","start":1045.945,"end":1046.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04666239768266678},{"word":"because","start":1046.105,"end":1046.345,"confidence":0.8796387,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.11353887617588045},{"word":"obviously","start":1046.345,"end":1046.6649,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.18034228682518005},{"word":"that","start":1046.6649,"end":1046.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.25157430768013},{"word":"will","start":1046.905,"end":1047.065,"confidence":0.94921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.3003804683685303},{"word":"chop","start":1047.065,"end":1047.385,"confidence":0.9951172,"punctuated_word":"chop","sentiment":"neutral","sentiment_score":-0.2083410322666168},{"word":"off","start":1047.385,"end":1047.865,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2925124764442444},{"word":"half","start":1047.865,"end":1048.105,"confidence":0.99902344,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.293804794549942},{"word":"of","start":1048.105,"end":1048.345,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2995643615722656},{"word":"the","start":1048.345,"end":1048.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3307155668735504},{"word":"mortgage","start":1048.505,"end":1049.005,"confidence":0.9995117,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":-0.28715187311172485},{"word":"is","start":1049.59,"end":1049.6699,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.22540682554244995},{"word":"that","start":1049.6699,"end":1050.1699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.302247554063797},{"word":"too","start":1050.7899,"end":1050.95,"confidence":0.9980469,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2932204008102417},{"word":"little","start":1050.95,"end":1051.2699,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2535351812839508},{"word":"in","start":1051.2699,"end":1051.4299,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.26478978991508484},{"word":"terms","start":1051.4299,"end":1051.6699,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.2284660041332245},{"word":"of","start":1051.6699,"end":1051.9099,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2728975713253021},{"word":"insurance","start":1051.9099,"end":1052.3099,"confidence":0.9951172,"punctuated_word":"insurance?","sentiment":"neutral","sentiment_score":-0.2590596377849579},{"word":"is","start":1052.3099,"end":1052.47,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.20629146695137024},{"word":"that","start":1052.47,"end":1052.6299,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2756313383579254},{"word":"too","start":1052.6299,"end":1052.87,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2479575872421265},{"word":"much","start":1052.87,"end":1053.19,"confidence":0.9848633,"punctuated_word":"much?","sentiment":"neutral","sentiment_score":-0.18996264040470123},{"word":"are","start":1053.19,"end":1053.2699,"confidence":0.8925781,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.12448183447122574},{"word":"you","start":1053.2699,"end":1053.4299,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14860475063323977},{"word":"do","start":1053.5099,"end":1053.6699,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.14258746802806854},{"word":"you","start":1053.6699,"end":1053.83,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14326173067092896},{"word":"still","start":1053.83,"end":1054.07,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.16401180624961853},{"word":"value","start":1054.07,"end":1054.47,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.12253464758396149},{"word":"them","start":1054.47,"end":1054.97,"confidence":0.9980469,"punctuated_word":"them?","sentiment":"neutral","sentiment_score":-0.11836378276348114},{"word":"yeah","start":1071.765,"end":1072.085,"confidence":0.8125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1544365435838699},{"word":"there's","start":1072.085,"end":1072.4049,"confidence":0.9885254,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.2546970546245575},{"word":"no","start":1072.4049,"end":1072.565,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.2985382378101349},{"word":"point","start":1072.565,"end":1072.885,"confidence":0.97143555,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":-0.3283460736274719},{"word":"like","start":1072.885,"end":1073.365,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.3733171820640564},{"word":"trying","start":1073.365,"end":1073.605,"confidence":0.9892578,"punctuated_word":"trying","sentiment":"negative","sentiment_score":-0.4025754928588867},{"word":"to","start":1073.605,"end":1073.6849,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3844478130340576},{"word":"change","start":1073.6849,"end":1074.085,"confidence":1.0,"punctuated_word":"change","sentiment":"negative","sentiment_score":-0.35222136974334717},{"word":"providers","start":1074.085,"end":1074.585,"confidence":1.0,"punctuated_word":"providers","sentiment":"neutral","sentiment_score":-0.24750925600528717},{"word":"if","start":1074.725,"end":1074.8049,"confidence":0.9980469,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3776494860649109},{"word":"they","start":1074.8049,"end":1074.965,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.3332810401916504},{"word":"can't","start":1074.965,"end":1075.2849,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.30649349093437195},{"word":"give","start":1075.2849,"end":1075.445,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.29229047894477844},{"word":"you","start":1075.445,"end":1075.605,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.283627450466156},{"word":"that","start":1075.605,"end":1075.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.24022981524467468},{"word":"replacement","start":1075.845,"end":1076.345,"confidence":1.0,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":-0.26297223567962646},{"word":"cover","start":1076.565,"end":1077.0449,"confidence":0.7663574,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.2188732922077179},{"word":"so","start":1077.0449,"end":1077.18,"confidence":0.9482422,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.22455310821533203},{"word":"we've","start":1077.3401,"end":1077.5801,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.1939658373594284},{"word":"got","start":1077.5801,"end":1077.6201,"confidence":0.7763672,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.4110164344310761},{"word":"to","start":1077.6201,"end":1077.6267,"confidence":0.9970703,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4085006415843963},{"word":"kind","start":1077.6267,"end":1077.6334,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.3623967468738556},{"word":"of","start":1077.6334,"end":1077.6401,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3850383758544922},{"word":"keep","start":1077.6401,"end":1077.6467,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"negative","sentiment_score":-0.4060780107975006},{"word":"the","start":1077.6467,"end":1077.6533,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32171204686164856},{"word":"ascender","start":1077.6533,"end":1077.66,"confidence":0.7435303,"punctuated_word":"Ascender","sentiment":"neutral","sentiment_score":-0.3111425042152405},{"word":"one","start":1077.66,"end":1078.16,"confidence":0.99609375,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.2918938398361206},{"word":"yeah","start":1087.18,"end":1087.68,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14055809378623962},{"word":"and","start":1105.13,"end":1105.37,"confidence":0.6386719,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.2533436119556427},{"word":"that'll","start":1105.37,"end":1105.77,"confidence":0.6949463,"punctuated_word":"that'll","sentiment":"negative","sentiment_score":-0.389887660741806},{"word":"make","start":1105.77,"end":1105.9299,"confidence":0.98535156,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.40951114892959595},{"word":"it","start":1105.9299,"end":1106.25,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3573596179485321},{"word":"trickier","start":1106.25,"end":1106.73,"confidence":0.99194336,"punctuated_word":"trickier","sentiment":"negative","sentiment_score":-0.4854365587234497},{"word":"to","start":1106.73,"end":1106.89,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4828137457370758},{"word":"increase","start":1106.89,"end":1107.2899,"confidence":0.9921875,"punctuated_word":"increase","sentiment":"negative","sentiment_score":-0.4792872667312622},{"word":"as","start":1107.2899,"end":1107.5299,"confidence":0.8256836,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.410536676645279},{"word":"well","start":1107.5299,"end":1107.69,"confidence":0.9770508,"punctuated_word":"well.","sentiment":"negative","sentiment_score":-0.40394526720047},{"word":"like","start":1107.69,"end":1107.9299,"confidence":0.98339844,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.18065541982650757},{"word":"if","start":1107.9299,"end":1108.09,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19384148716926575},{"word":"we","start":1108.09,"end":1108.25,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.18236204981803897},{"word":"were","start":1108.25,"end":1108.4099,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.17676828801631927},{"word":"trying","start":1108.4099,"end":1108.6499,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.22259266674518585},{"word":"to","start":1108.6499,"end":1109.1499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18978141248226169},{"word":"make","start":1109.37,"end":1109.61,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1816224902868271},{"word":"it","start":1109.61,"end":1109.85,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16335034370422363},{"word":"higher","start":1109.85,"end":1110.1699,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.1693931519985199},{"word":"to","start":1110.1699,"end":1110.33,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20434042811393735},{"word":"cover","start":1110.33,"end":1110.57,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.17682987451553345},{"word":"the","start":1110.57,"end":1110.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1693122684955597},{"word":"full","start":1110.73,"end":1111.0499,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.16697341203689575},{"word":"mortgage","start":1111.0499,"end":1111.5299,"confidence":0.99658203,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":-0.18875978887081143},{"word":"they","start":1111.5299,"end":1111.77,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1156315878033638},{"word":"probably","start":1111.77,"end":1112.1699,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1376999318599701},{"word":"wouldn't","start":1112.1699,"end":1112.6699,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.09701957553625108},{"word":"do","start":1113.13,"end":1113.2899,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1722254902124405},{"word":"that","start":1113.2899,"end":1113.61,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16112884879112244},{"word":"increase","start":1113.61,"end":1114.11,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.2585996091365814},{"word":"either","start":1114.1699,"end":1114.6699,"confidence":1.0,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.24042710661888125},{"word":"yep","start":1115.6849,"end":1116.1849,"confidence":0.74401855,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06144028529524803},{"word":"so","start":1116.245,"end":1116.485,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04837195202708244},{"word":"for","start":1116.485,"end":1116.645,"confidence":0.98095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.004298895597457886},{"word":"now","start":1116.645,"end":1116.885,"confidence":0.9890137,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.002839859575033188},{"word":"let's","start":1116.885,"end":1117.125,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.04270225763320923},{"word":"just","start":1117.125,"end":1117.285,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.018463164567947388},{"word":"sort","start":1117.285,"end":1117.445,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04676812142133713},{"word":"of","start":1117.445,"end":1117.605,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0810755118727684},{"word":"keep","start":1117.605,"end":1117.845,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.08588191121816635},{"word":"it","start":1117.845,"end":1118.005,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12891444563865662},{"word":"going","start":1118.005,"end":1118.485,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12092521786689758},{"word":"as","start":1118.485,"end":1118.645,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.051672011613845825},{"word":"long","start":1118.645,"end":1118.885,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.06331482529640198},{"word":"as","start":1118.885,"end":1118.965,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.048534929752349854},{"word":"it","start":1118.965,"end":1119.205,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14517122507095337},{"word":"becomes","start":1119.205,"end":1119.605,"confidence":1.0,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":0.11863082647323608},{"word":"affordable","start":1119.605,"end":1120.105,"confidence":0.92993164,"punctuated_word":"affordable.","sentiment":"neutral","sentiment_score":-0.02445581555366516},{"word":"and","start":1120.325,"end":1120.565,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05774606764316559},{"word":"then","start":1120.565,"end":1120.725,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.03540664166212082},{"word":"if","start":1120.725,"end":1120.885,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14482879638671875},{"word":"it","start":1120.885,"end":1121.125,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21776708960533145},{"word":"becomes","start":1121.125,"end":1121.525,"confidence":1.0,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":-0.23237334191799164},{"word":"unaffordable","start":1121.525,"end":1122.025,"confidence":0.9996745,"punctuated_word":"unaffordable,","sentiment":"neutral","sentiment_score":-0.32323911786079407},{"word":"we'll","start":1122.245,"end":1122.565,"confidence":0.9328613,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.1987006962299347},{"word":"talk","start":1122.565,"end":1122.8049,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.12535682320594788},{"word":"about","start":1122.8049,"end":1123.3049,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.17010362446308136},{"word":"when","start":1123.445,"end":1123.6849,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.13553225994110107},{"word":"we","start":1123.6849,"end":1123.9249,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.18292659521102905},{"word":"start","start":1123.9249,"end":1124.1649,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.1731526255607605},{"word":"to","start":1124.1649,"end":1124.325,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2192576974630356},{"word":"trim","start":1124.325,"end":1124.565,"confidence":1.0,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":-0.2053917646408081},{"word":"it","start":1124.565,"end":1124.725,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1868796944618225},{"word":"down","start":1124.725,"end":1125.225,"confidence":1.0,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.13753482699394226},{"word":"okay","start":1126.9,"end":1127.3,"confidence":0.8774414,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.202942818403244},{"word":"perfect","start":1127.3,"end":1127.78,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5439282655715942},{"word":"perfect","start":1127.78,"end":1128.26,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5061194896697998},{"word":"alright","start":1128.26,"end":1128.76,"confidence":0.99902344,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.32841676473617554},{"word":"so","start":1128.82,"end":1129.14,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2180515080690384},{"word":"i'll","start":1129.14,"end":1129.3,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2047746777534485},{"word":"put","start":1129.3,"end":1129.46,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.19935782253742215},{"word":"another","start":1129.46,"end":1129.78,"confidence":0.9980469,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.17744624614715576},{"word":"little","start":1129.78,"end":1130.02,"confidence":0.9902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.18071620166301727},{"word":"flag","start":1130.02,"end":1130.34,"confidence":0.9921875,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.1613745242357254},{"word":"on","start":1130.34,"end":1130.5,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1857123076915741},{"word":"there","start":1130.5,"end":1130.9,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18820501863956451},{"word":"just","start":1130.9,"end":1131.14,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22198423743247983},{"word":"to","start":1131.14,"end":1131.22,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15191827714443207},{"word":"make","start":1131.22,"end":1131.46,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17389696836471558},{"word":"sure","start":1131.46,"end":1131.62,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.16872799396514893},{"word":"that","start":1131.62,"end":1132.12,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19826291501522064},{"word":"every","start":1132.26,"end":1132.5,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.1885557472705841},{"word":"time","start":1132.5,"end":1132.74,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.146967351436615},{"word":"you","start":1132.74,"end":1132.82,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21612906455993652},{"word":"get","start":1132.82,"end":1132.98,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.214767262339592},{"word":"that","start":1132.98,"end":1133.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1932843029499054},{"word":"anniversary","start":1133.22,"end":1133.72,"confidence":0.9951172,"punctuated_word":"anniversary,","sentiment":"neutral","sentiment_score":0.16012948751449585},{"word":"we'll","start":1134.58,"end":1134.82,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.23521611094474792},{"word":"keep","start":1134.82,"end":1134.98,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.16133728623390198},{"word":"an","start":1134.98,"end":1135.14,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19324976205825808},{"word":"eye","start":1135.14,"end":1135.3,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.16851669549942017},{"word":"on","start":1135.3,"end":1135.46,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1531309187412262},{"word":"those","start":1135.46,"end":1135.86,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1956343799829483},{"word":"premiums","start":1135.86,"end":1136.34,"confidence":0.99902344,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.17410627007484436},{"word":"there","start":1136.34,"end":1136.58,"confidence":0.8166504,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15611910820007324},{"word":"because","start":1136.58,"end":1137.08,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.06225621700286865},{"word":"once","start":1137.22,"end":1137.46,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.03425022214651108},{"word":"you","start":1137.46,"end":1137.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.044683679938316345},{"word":"hit","start":1137.7,"end":1138.02,"confidence":1.0,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.07230566442012787},{"word":"the","start":1138.02,"end":1138.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0541987419128418},{"word":"the","start":1138.9,"end":1139.0599,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05378437042236328},{"word":"fifties","start":1139.0599,"end":1139.54,"confidence":0.90856934,"punctuated_word":"fifties,","sentiment":"neutral","sentiment_score":0.04799342155456543},{"word":"it","start":1139.54,"end":1139.7,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.045447178184986115},{"word":"can","start":1139.7,"end":1139.94,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04472370445728302},{"word":"go","start":1139.94,"end":1140.1,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07594917714595795},{"word":"up","start":1140.1,"end":1140.34,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07545602321624756},{"word":"quite","start":1140.34,"end":1140.66,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.053309157490730286},{"word":"quickly","start":1140.66,"end":1141.16,"confidence":0.9416504,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.09335441887378693},{"word":"and","start":1141.675,"end":1141.915,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03807101771235466},{"word":"i've","start":1141.915,"end":1142.0751,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.029170066118240356},{"word":"seen","start":1142.0751,"end":1142.395,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.021906502544879913},{"word":"some","start":1142.395,"end":1142.555,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0018478333950042725},{"word":"people","start":1142.555,"end":1142.875,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.012839123606681824},{"word":"where","start":1142.875,"end":1143.1951,"confidence":0.99658203,"punctuated_word":"where,","sentiment":"neutral","sentiment_score":-0.003022216260433197},{"word":"you","start":1143.1951,"end":1143.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007329072803258896},{"word":"know","start":1143.275,"end":1143.515,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.01683562435209751},{"word":"a","start":1143.515,"end":1143.675,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02521527372300625},{"word":"thousand","start":1143.675,"end":1143.995,"confidence":0.9970703,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.008588369935750961},{"word":"dollars","start":1143.995,"end":1144.475,"confidence":0.99902344,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.0012976527214050293},{"word":"becomes","start":1144.475,"end":1144.875,"confidence":0.99902344,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":-0.018404752016067505},{"word":"$8,000","start":1144.875,"end":1145.935,"confidence":0.99902344,"punctuated_word":"$8,000","sentiment":"neutral","sentiment_score":0.005719507113099098},{"word":"in","start":1146.0751,"end":1146.3151,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.014835700392723083},{"word":"a","start":1146.3151,"end":1146.395,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011328315362334251},{"word":"matter","start":1146.395,"end":1146.635,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.002557530999183655},{"word":"of","start":1146.635,"end":1146.795,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012986556626856329},{"word":"five","start":1146.795,"end":1146.955,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.023064125329256054},{"word":"or","start":1146.955,"end":1147.1951,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01843216642737389},{"word":"six","start":1147.1951,"end":1147.435,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.00758093548938632},{"word":"years","start":1147.435,"end":1147.755,"confidence":0.99194336,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.019371628761291504},{"word":"so","start":1147.755,"end":1148.255,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.033308908343315125},{"word":"premium","start":1163.05,"end":1163.53,"confidence":0.734375,"punctuated_word":"Premium","sentiment":"neutral","sentiment_score":-0.00872136652469635},{"word":"is","start":1163.53,"end":1163.6901,"confidence":0.6533203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00483066588640213},{"word":"going","start":1163.6901,"end":1163.93,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.018335439264774323},{"word":"up","start":1163.93,"end":1164.43,"confidence":0.96240234,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.01180540770292282},{"word":"yeah","start":1165.545,"end":1166.045,"confidence":0.8161621,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.028436753898859024},{"word":"see","start":1172.505,"end":1172.8251,"confidence":0.9255371,"punctuated_word":"See,","sentiment":"neutral","sentiment_score":-0.05359453707933426},{"word":"that's","start":1172.8251,"end":1173.145,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.03933153674006462},{"word":"where","start":1173.145,"end":1173.4651,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.025606874376535416},{"word":"i","start":1173.4651,"end":1173.625,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.026685722172260284},{"word":"wanna","start":1173.625,"end":1173.9451,"confidence":0.86865234,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.002248864620923996},{"word":"be","start":1173.9451,"end":1174.185,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.016659118235111237},{"word":"a","start":1174.185,"end":1174.265,"confidence":0.7363281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0007946044206619263},{"word":"little","start":1174.265,"end":1174.505,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.00756855309009552},{"word":"bit","start":1174.505,"end":1174.665,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.007144138216972351},{"word":"different","start":1174.665,"end":1174.905,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.012768559157848358},{"word":"with","start":1174.905,"end":1175.145,"confidence":0.8457031,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.008247323334217072},{"word":"oakview","start":1175.145,"end":1175.545,"confidence":0.80566406,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.004137825220823288},{"word":"we","start":1175.545,"end":1175.7051,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.012954704463481905},{"word":"wanna","start":1175.7051,"end":1175.9451,"confidence":0.9589844,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0219379011541605},{"word":"keep","start":1175.9451,"end":1176.1051,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.008176393806934357},{"word":"an","start":1176.1051,"end":1176.265,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.011260569095611572},{"word":"eye","start":1176.265,"end":1176.425,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.0034582652151584625},{"word":"on","start":1176.425,"end":1176.5851,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.001647956669330597},{"word":"this","start":1176.5851,"end":1176.8251,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02752795442938805},{"word":"because","start":1176.8251,"end":1177.3251,"confidence":0.81591797,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.03673060983419418},{"word":"while","start":1177.4651,"end":1177.7051,"confidence":0.9633789,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.06700203567743301},{"word":"it's","start":1177.7051,"end":1177.9451,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.036488402634859085},{"word":"nice","start":1177.9451,"end":1178.185,"confidence":1.0,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.06855323910713196},{"word":"to","start":1178.185,"end":1178.3451,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033611446619033813},{"word":"have","start":1178.3451,"end":1178.505,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01270059496164322},{"word":"that","start":1178.505,"end":1178.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05415768176317215},{"word":"there","start":1178.745,"end":1178.985,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03619322180747986},{"word":"to","start":1178.985,"end":1179.145,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0062742680311203},{"word":"cover","start":1179.145,"end":1179.4651,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.03963226824998856},{"word":"as","start":1179.4651,"end":1179.625,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03259829431772232},{"word":"much","start":1179.625,"end":1179.785,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0026222392916679382},{"word":"of","start":1179.785,"end":1179.865,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.050053730607032776},{"word":"the","start":1179.865,"end":1180.025,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08367045968770981},{"word":"mortgage","start":1180.025,"end":1180.505,"confidence":0.9863281,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.07455795258283615},{"word":"as","start":1180.505,"end":1180.665,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09367658942937852},{"word":"possible","start":1180.665,"end":1181.165,"confidence":0.97753906,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":-0.13033021986484528},{"word":"if","start":1181.36,"end":1181.6,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2151871919631958},{"word":"it","start":1181.6,"end":1181.68,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2624760866165161},{"word":"starts","start":1181.68,"end":1182.0,"confidence":0.9970703,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":-0.29810622334480286},{"word":"jumping","start":1182.0,"end":1182.3201,"confidence":1.0,"punctuated_word":"jumping","sentiment":"neutral","sentiment_score":-0.19785736501216888},{"word":"up","start":1182.3201,"end":1182.48,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2173379212617874},{"word":"to","start":1182.48,"end":1182.64,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24435822665691376},{"word":"$34,000","start":1182.64,"end":1183.52,"confidence":0.9737549,"punctuated_word":"$34,000,","sentiment":"neutral","sentiment_score":-0.15010997653007507},{"word":"we're","start":1183.52,"end":1183.76,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.27012819051742554},{"word":"gonna","start":1183.76,"end":1184.0,"confidence":0.97314453,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2346586287021637},{"word":"have","start":1184.0,"end":1184.16,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2291892170906067},{"word":"to","start":1184.16,"end":1184.24,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20483696460723877},{"word":"have","start":1184.24,"end":1184.4,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2085376977920532},{"word":"that","start":1184.4,"end":1184.64,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18756142258644104},{"word":"conversation","start":1184.64,"end":1185.14,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":-0.1858474314212799},{"word":"about","start":1185.76,"end":1186.26,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2854999303817749},{"word":"how","start":1186.72,"end":1186.88,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.24216002225875857},{"word":"much","start":1186.88,"end":1187.12,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.23049752414226532},{"word":"is","start":1187.12,"end":1187.36,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2549881041049957},{"word":"too","start":1187.36,"end":1187.4401,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2681746482849121},{"word":"much","start":1187.4401,"end":1187.9401,"confidence":0.9970703,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.17374518513679504},{"word":"yep","start":1189.92,"end":1190.42,"confidence":0.8015137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.12417320907115936},{"word":"so","start":1192.0,"end":1192.5,"confidence":0.4152832,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015700332820415497},{"word":"662","start":1192.64,"end":1194.0,"confidence":0.9984375,"punctuated_word":"662","sentiment":"neutral","sentiment_score":0.04831860587000847},{"word":"is","start":1194.0,"end":1194.0801,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.006941050291061401},{"word":"not","start":1194.0801,"end":1194.3201,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06738459318876266},{"word":"too","start":1194.3201,"end":1194.48,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.015681631863117218},{"word":"bad","start":1194.48,"end":1194.72,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.019894763827323914},{"word":"at","start":1194.72,"end":1194.8,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03977369517087936},{"word":"the","start":1194.8,"end":1194.9601,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07448907196521759},{"word":"moment","start":1194.9601,"end":1195.36,"confidence":0.99609375,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09237693250179292},{"word":"but","start":1195.36,"end":1195.6,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06994115561246872},{"word":"we'll","start":1195.6,"end":1195.8401,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.045782603323459625},{"word":"keep","start":1195.8401,"end":1196.0,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.045240387320518494},{"word":"a","start":1196.0,"end":1196.16,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04850627854466438},{"word":"close","start":1196.16,"end":1196.48,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.0749330222606659},{"word":"eye","start":1196.48,"end":1196.64,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.07830359786748886},{"word":"on","start":1196.64,"end":1196.72,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08473657816648483},{"word":"it","start":1196.72,"end":1196.985,"confidence":0.9316406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05332138389348984},{"word":"and","start":1196.985,"end":1197.225,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.028608355671167377},{"word":"the","start":1197.225,"end":1197.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023643486201763153},{"word":"next","start":1197.385,"end":1197.465,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.024758316576480865},{"word":"anniversary","start":1197.465,"end":1197.965,"confidence":0.94140625,"punctuated_word":"anniversary","sentiment":"neutral","sentiment_score":0.02465039864182472},{"word":"until","start":1198.1849,"end":1198.6849,"confidence":0.70996094,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.0008065439760684967},{"word":"may","start":1198.745,"end":1198.905,"confidence":0.99609375,"punctuated_word":"May","sentiment":"neutral","sentiment_score":0.02035313844680786},{"word":"of","start":1198.905,"end":1199.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019578833132982257},{"word":"next","start":1199.065,"end":1199.3049,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.016425900161266327},{"word":"year","start":1199.3049,"end":1199.8049,"confidence":0.9975586,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.03416275233030319},{"word":"perfect","start":1202.4249,"end":1202.9249,"confidence":0.98168945,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.33645179867744446},{"word":"okay","start":1203.145,"end":1203.645,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18990303575992584},{"word":"so","start":1204.1849,"end":1204.6849,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2114650458097458},{"word":"we'll","start":1205.705,"end":1206.025,"confidence":0.9211426,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2696547508239746},{"word":"stay","start":1206.025,"end":1206.265,"confidence":0.97314453,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.35033634305000305},{"word":"high","start":1206.265,"end":1206.505,"confidence":0.99121094,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.44066911935806274},{"word":"growth","start":1206.505,"end":1206.985,"confidence":0.9589844,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.3694319725036621},{"word":"we'll","start":1206.985,"end":1207.3049,"confidence":0.99902344,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.28038060665130615},{"word":"keep","start":1207.3049,"end":1207.625,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.293746680021286},{"word":"the","start":1207.625,"end":1207.945,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3166617155075073},{"word":"portfolio","start":1207.945,"end":1208.445,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.29940730333328247},{"word":"going","start":1208.585,"end":1208.905,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3334566652774811},{"word":"within","start":1208.905,"end":1209.3049,"confidence":0.9980469,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.24221909046173096},{"word":"hub","start":1209.3049,"end":1209.545,"confidence":0.86621094,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.29141587018966675},{"word":"for","start":1209.545,"end":1209.705,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15082405507564545},{"word":"the","start":1209.705,"end":1209.865,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16813068091869354},{"word":"time","start":1209.865,"end":1210.1849,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18011711537837982},{"word":"being","start":1210.1849,"end":1210.6849,"confidence":0.9995117,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.09786814451217651},{"word":"i'll","start":1210.97,"end":1211.29,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.02981112152338028},{"word":"have","start":1211.29,"end":1211.37,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.017199885100126266},{"word":"another","start":1211.37,"end":1211.77,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.016529273241758347},{"word":"chat","start":1211.77,"end":1212.01,"confidence":1.0,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.02674214355647564},{"word":"with","start":1212.01,"end":1212.25,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01876172050833702},{"word":"you","start":1212.25,"end":1212.5701,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01789756864309311},{"word":"about","start":1212.5701,"end":1212.89,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.022481871768832207},{"word":"the","start":1212.89,"end":1213.05,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022365950047969815},{"word":"investments","start":1213.05,"end":1213.55,"confidence":0.96972656,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.021533697843551636},{"word":"and","start":1214.09,"end":1214.33,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0374738983809948},{"word":"the","start":1214.33,"end":1214.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.037968918681144714},{"word":"risk","start":1214.41,"end":1214.73,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0228519756346941},{"word":"level","start":1214.73,"end":1215.23,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.026486508548259735},{"word":"on","start":1215.53,"end":1215.77,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.044887349009513855},{"word":"our","start":1215.77,"end":1215.85,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.046211570501327515},{"word":"next","start":1215.85,"end":1216.17,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03957836329936981},{"word":"review","start":1216.17,"end":1216.67,"confidence":1.0,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.02547627128660679},{"word":"do","start":1216.97,"end":1217.13,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.006848231889307499},{"word":"you","start":1217.13,"end":1217.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015998922288417816},{"word":"prefer","start":1217.29,"end":1217.61,"confidence":1.0,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.013351866975426674},{"word":"to","start":1217.61,"end":1217.77,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01903685927391052},{"word":"do","start":1217.77,"end":1218.01,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.019031303003430367},{"word":"a","start":1218.01,"end":1218.09,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020553771406412125},{"word":"bit","start":1218.09,"end":1218.25,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.020823992788791656},{"word":"more","start":1218.25,"end":1218.75,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0162876695394516},{"word":"contact","start":1219.4501,"end":1219.93,"confidence":0.8071289,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.01474178582429886},{"word":"throughout","start":1219.93,"end":1220.25,"confidence":0.99902344,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":0.01803543046116829},{"word":"the","start":1220.25,"end":1220.41,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028718510642647743},{"word":"year","start":1220.41,"end":1220.5701,"confidence":0.9812012,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.024517275393009182},{"word":"we","start":1220.5701,"end":1220.73,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02307551726698875},{"word":"can","start":1220.73,"end":1220.89,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.026069529354572296},{"word":"do","start":1220.89,"end":1221.13,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02428889460861683},{"word":"six","start":1221.13,"end":1221.37,"confidence":0.99121094,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.021757937967777252},{"word":"monthly","start":1221.37,"end":1221.77,"confidence":0.95947266,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.01656210981309414},{"word":"or","start":1221.77,"end":1221.93,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.027629686519503593},{"word":"quarterly","start":1221.93,"end":1222.43,"confidence":0.9616699,"punctuated_word":"quarterly,","sentiment":"neutral","sentiment_score":0.02720782160758972},{"word":"or","start":1222.49,"end":1222.81,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.021174704656004906},{"word":"do","start":1222.81,"end":1222.89,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.016639184206724167},{"word":"you","start":1222.89,"end":1223.05,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024200420826673508},{"word":"just","start":1223.05,"end":1223.29,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02374989911913872},{"word":"prefer","start":1223.29,"end":1223.61,"confidence":0.99902344,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.02478521689772606},{"word":"that","start":1223.61,"end":1223.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.042754337191581726},{"word":"twelve","start":1223.85,"end":1224.17,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.014152869582176208},{"word":"month","start":1224.17,"end":1224.49,"confidence":0.97802734,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.02041476219892502},{"word":"annual","start":1224.49,"end":1224.89,"confidence":0.9980469,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.02421889081597328},{"word":"review","start":1224.89,"end":1225.365,"confidence":0.9904785,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.029570788145065308},{"word":"yep","start":1231.045,"end":1231.205,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16131606698036194},{"word":"no","start":1231.205,"end":1231.445,"confidence":0.92333984,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1803615242242813},{"word":"worries","start":1231.445,"end":1231.6849,"confidence":0.93359375,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.14617162942886353},{"word":"so","start":1231.6849,"end":1231.925,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1351219117641449},{"word":"if","start":1231.925,"end":1232.085,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10254908353090286},{"word":"anything","start":1232.085,"end":1232.485,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.07965049147605896},{"word":"does","start":1232.485,"end":1232.725,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.057533685117959976},{"word":"pop","start":1232.725,"end":1232.885,"confidence":1.0,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.07713782042264938},{"word":"up","start":1232.885,"end":1233.045,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05543620139360428},{"word":"in","start":1233.045,"end":1233.205,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.062440209090709686},{"word":"between","start":1233.205,"end":1233.705,"confidence":0.94677734,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.07312969863414764},{"word":"any","start":1234.005,"end":1234.325,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06890540570020676},{"word":"concerns","start":1234.325,"end":1234.8049,"confidence":1.0,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":0.03036990389227867},{"word":"or","start":1234.8049,"end":1234.965,"confidence":0.9326172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07153981178998947},{"word":"anything","start":1234.965,"end":1235.285,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.07631642371416092},{"word":"you","start":1235.285,"end":1235.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07154938578605652},{"word":"would","start":1235.445,"end":1235.605,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06132468581199646},{"word":"like","start":1235.605,"end":1235.765,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06947273761034012},{"word":"to","start":1235.765,"end":1235.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06318891793489456},{"word":"talk","start":1235.925,"end":1236.085,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.07589434087276459},{"word":"to","start":1236.085,"end":1236.245,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.075005441904068},{"word":"us","start":1236.245,"end":1236.485,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07287029922008514},{"word":"about","start":1236.485,"end":1236.985,"confidence":0.9995117,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.08542527258396149},{"word":"please","start":1237.205,"end":1237.445,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.10433410853147508},{"word":"just","start":1237.445,"end":1237.83,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08427950739860535},{"word":"call","start":1237.9099,"end":1238.1499,"confidence":0.9970703,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.09738127887248992},{"word":"through","start":1238.1499,"end":1238.3099,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12006601691246031},{"word":"and","start":1238.3099,"end":1238.47,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1107855960726738},{"word":"book","start":1238.47,"end":1238.71,"confidence":0.99902344,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.10694605112075806},{"word":"in","start":1238.71,"end":1238.87,"confidence":0.8691406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10491234809160233},{"word":"the","start":1238.87,"end":1239.0299,"confidence":0.93603516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.129951611161232},{"word":"chat","start":1239.0299,"end":1239.35,"confidence":0.9399414,"punctuated_word":"chat,","sentiment":"neutral","sentiment_score":0.10945849865674973},{"word":"but","start":1239.35,"end":1239.51,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11356842517852785},{"word":"we'll","start":1239.51,"end":1239.6699,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.125583678483963},{"word":"keep","start":1239.6699,"end":1239.9099,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1013031005859375},{"word":"an","start":1239.9099,"end":1240.07,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11731769144535063},{"word":"eye","start":1240.07,"end":1240.23,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.0914849191904068},{"word":"on","start":1240.23,"end":1240.39,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12090811133384705},{"word":"things","start":1240.39,"end":1240.5499,"confidence":0.95996094,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.1439301073551178},{"word":"and","start":1240.5499,"end":1240.71,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09676120430231094},{"word":"then","start":1240.71,"end":1240.95,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09660788625478745},{"word":"at","start":1240.95,"end":1241.11,"confidence":0.9707031,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08728819340467453},{"word":"that","start":1241.11,"end":1241.35,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12259167432785034},{"word":"review","start":1241.35,"end":1241.85,"confidence":0.9995117,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.07363534718751907},{"word":"we'll","start":1242.07,"end":1242.3099,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09906720370054244},{"word":"have","start":1242.3099,"end":1242.47,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10365616530179976},{"word":"that","start":1242.47,"end":1242.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11747077852487564},{"word":"next","start":1242.63,"end":1242.95,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08302081376314163},{"word":"risk","start":1242.95,"end":1243.35,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0498165562748909},{"word":"discussion","start":1243.35,"end":1243.85,"confidence":1.0,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.04808936268091202},{"word":"as","start":1243.9099,"end":1243.99,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13101060688495636},{"word":"well","start":1243.99,"end":1244.49,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12135931104421616},{"word":"perfect","start":1246.39,"end":1246.87,"confidence":0.9633789,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6097902655601501},{"word":"so","start":1246.87,"end":1247.11,"confidence":0.98828125,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6148799657821655},{"word":"at","start":1247.11,"end":1247.2699,"confidence":0.96533203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21768227219581604},{"word":"the","start":1247.2699,"end":1247.4299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16569551825523376},{"word":"moment","start":1247.4299,"end":1247.9299,"confidence":0.99853516,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.15818148851394653},{"word":"i'll","start":1248.63,"end":1248.7899,"confidence":0.88549805,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14371274411678314},{"word":"send","start":1248.7899,"end":1249.0299,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.15789541602134705},{"word":"out","start":1249.0299,"end":1249.2699,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18551230430603027},{"word":"those","start":1249.2699,"end":1249.59,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.20327356457710263},{"word":"beneficiary","start":1249.59,"end":1250.09,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.2275143563747406},{"word":"forms","start":1250.23,"end":1250.73,"confidence":0.97753906,"punctuated_word":"forms,","sentiment":"neutral","sentiment_score":0.1870272159576416},{"word":"get","start":1251.0299,"end":1251.2699,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.19844412803649905},{"word":"those","start":1251.2699,"end":1251.51,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.21766397356987},{"word":"sorted","start":1251.51,"end":1251.9099,"confidence":0.99902344,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":0.23312927782535553},{"word":"with","start":1251.9099,"end":1252.07,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20961269736289975},{"word":"you","start":1252.07,"end":1252.545,"confidence":0.98168945,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14732572436332703},{"word":"there's","start":1253.3451,"end":1253.505,"confidence":0.9367676,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.03045988641679287},{"word":"that","start":1253.505,"end":1253.745,"confidence":0.94970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05348949134349823},{"word":"reminder","start":1253.745,"end":1254.0651,"confidence":0.99609375,"punctuated_word":"reminder","sentiment":"neutral","sentiment_score":0.0486295148730278},{"word":"just","start":1254.0651,"end":1254.385,"confidence":0.43725586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.027502968907356266},{"word":"when","start":1254.385,"end":1254.785,"confidence":0.34155273,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.021079078316688538},{"word":"life","start":1254.785,"end":1255.1051,"confidence":0.99609375,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.024640396237373352},{"word":"does","start":1255.1051,"end":1255.425,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.01975264400243759},{"word":"slow","start":1255.425,"end":1255.665,"confidence":0.99609375,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":-0.010133035480976105},{"word":"down","start":1255.665,"end":1255.905,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.01889367401599884},{"word":"a","start":1255.905,"end":1255.985,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03641572222113609},{"word":"little","start":1255.985,"end":1256.145,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0159107968211174},{"word":"bit","start":1256.145,"end":1256.385,"confidence":0.92944336,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.017977207899093628},{"word":"if","start":1256.385,"end":1256.545,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11475971341133118},{"word":"it","start":1256.545,"end":1256.7051,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1404890418052673},{"word":"does","start":1256.7051,"end":1257.185,"confidence":1.0,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":0.1445232331752777},{"word":"we'll","start":1257.185,"end":1257.3451,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1253594160079956},{"word":"get","start":1257.3451,"end":1257.505,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13467593491077423},{"word":"the","start":1257.505,"end":1257.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16470202803611755},{"word":"will","start":1257.665,"end":1257.8251,"confidence":0.9604492,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18868519365787503},{"word":"and","start":1257.8251,"end":1257.905,"confidence":0.9243164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15665467083454132},{"word":"everything","start":1257.905,"end":1258.305,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.17545738816261292},{"word":"organized","start":1258.305,"end":1258.7051,"confidence":0.84228516,"punctuated_word":"organized.","sentiment":"neutral","sentiment_score":0.09100720286369324},{"word":"but","start":1258.7051,"end":1258.9451,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.005003318190574646},{"word":"for","start":1258.9451,"end":1259.1051,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.025970321148633957},{"word":"now","start":1259.1051,"end":1259.3451,"confidence":0.9880371,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.002532096579670906},{"word":"there's","start":1259.3451,"end":1259.5851,"confidence":0.9916992,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.008112861774861813},{"word":"a","start":1259.5851,"end":1259.665,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015556126832962036},{"word":"lot","start":1259.665,"end":1259.905,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.012715838849544523},{"word":"to","start":1259.905,"end":1260.0651,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030406687408685684},{"word":"do","start":1260.0651,"end":1260.5651,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04074793308973312},{"word":"in","start":1260.625,"end":1260.785,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04047755151987076},{"word":"terms","start":1260.785,"end":1261.1051,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04149670898914337},{"word":"of","start":1261.1051,"end":1261.185,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04181188344955444},{"word":"the","start":1261.185,"end":1261.3451,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.043667104095220566},{"word":"renovation","start":1261.3451,"end":1261.8451,"confidence":0.6459961,"punctuated_word":"renovation,","sentiment":"neutral","sentiment_score":0.0546686053276062},{"word":"savings","start":1262.305,"end":1262.7051,"confidence":0.779541,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.04548260197043419},{"word":"and","start":1262.7051,"end":1262.865,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.062048979103565216},{"word":"the","start":1262.865,"end":1263.025,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07627551257610321},{"word":"mortgage","start":1263.025,"end":1263.525,"confidence":1.0,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.08140863478183746},{"word":"cool","start":1265.4401,"end":1265.9401,"confidence":0.9975586,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3418278694152832},{"word":"bob","start":1266.4801,"end":1266.88,"confidence":0.8515625,"punctuated_word":"Bob,","sentiment":"neutral","sentiment_score":0.205494225025177},{"word":"the","start":1266.88,"end":1267.1201,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21016642451286316},{"word":"other","start":1267.1201,"end":1267.28,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2204628437757492},{"word":"thing","start":1267.28,"end":1267.52,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1996147185564041},{"word":"that's","start":1267.52,"end":1267.76,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14112994074821472},{"word":"in","start":1267.76,"end":1268.0,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1748996078968048},{"word":"that","start":1268.0,"end":1268.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2443985790014267},{"word":"review","start":1268.4,"end":1268.8,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12010841071605682},{"word":"pack","start":1268.8,"end":1269.1201,"confidence":0.9970703,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.20965635776519775},{"word":"with","start":1269.1201,"end":1269.28,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21027563512325287},{"word":"you","start":1269.28,"end":1269.4401,"confidence":0.7939453,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2070091962814331},{"word":"so","start":1269.4401,"end":1269.68,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1878720223903656},{"word":"you've","start":1269.68,"end":1269.8401,"confidence":0.8647461,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.22781847417354584},{"word":"got","start":1269.8401,"end":1270.0,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.284573495388031},{"word":"the","start":1270.0,"end":1270.16,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25062817335128784},{"word":"super","start":1270.16,"end":1270.56,"confidence":0.9758301,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.2862091064453125},{"word":"the","start":1270.56,"end":1270.7201,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2967108190059662},{"word":"insurance","start":1270.7201,"end":1271.2201,"confidence":0.9848633,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.26394540071487427},{"word":"the","start":1271.28,"end":1271.4401,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27206817269325256},{"word":"financial","start":1271.4401,"end":1271.8401,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.21182626485824585},{"word":"services","start":1271.8401,"end":1272.3201,"confidence":0.8354492,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.18309840559959412},{"word":"guide","start":1272.3201,"end":1272.8201,"confidence":0.89208984,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":0.20333540439605713},{"word":"we've","start":1272.88,"end":1273.1201,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.2050701081752777},{"word":"included","start":1273.1201,"end":1273.6201,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.22286994755268097},{"word":"the","start":1273.68,"end":1273.8401,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21017466485500336},{"word":"updated","start":1273.8401,"end":1274.3401,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1952670067548752},{"word":"service","start":1274.7201,"end":1275.04,"confidence":0.95166016,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.13875919580459595},{"word":"agreement","start":1275.04,"end":1275.4401,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.1984032243490219},{"word":"with","start":1275.4401,"end":1275.6001,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2209174931049347},{"word":"you","start":1275.6001,"end":1275.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2376912087202072},{"word":"as","start":1275.76,"end":1275.92,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2019776999950409},{"word":"well","start":1275.92,"end":1276.42,"confidence":0.98999023,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1609569489955902},{"word":"so","start":1276.56,"end":1277.06,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10581570118665697},{"word":"in","start":1277.665,"end":1277.745,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08875145018100739},{"word":"order","start":1277.745,"end":1277.985,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.06931808590888977},{"word":"to","start":1277.985,"end":1278.225,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0968157947063446},{"word":"remain","start":1278.225,"end":1278.545,"confidence":0.99609375,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.09573496878147124},{"word":"advisers","start":1278.545,"end":1278.9451,"confidence":0.9284668,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":0.07044905424118042},{"word":"we","start":1278.9451,"end":1279.105,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08084625005722046},{"word":"do","start":1279.105,"end":1279.265,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06205340474843979},{"word":"need","start":1279.265,"end":1279.505,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.060345735400915146},{"word":"you","start":1279.505,"end":1279.665,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06452413648366928},{"word":"to","start":1279.665,"end":1279.8251,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05519909039139747},{"word":"sign","start":1279.8251,"end":1280.0651,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.012113071978092194},{"word":"off","start":1280.0651,"end":1280.225,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.038223665207624435},{"word":"on","start":1280.225,"end":1280.465,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05104503780603409},{"word":"consent","start":1280.465,"end":1280.965,"confidence":0.9941406,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.07525209337472916},{"word":"for","start":1281.345,"end":1281.505,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08612404018640518},{"word":"us","start":1281.505,"end":1281.665,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.10009580850601196},{"word":"to","start":1281.665,"end":1281.745,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10420383512973784},{"word":"be","start":1281.745,"end":1281.905,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08764117956161499},{"word":"on","start":1281.905,"end":1282.0651,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07138393819332123},{"word":"your","start":1282.0651,"end":1282.305,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11993269622325896},{"word":"account","start":1282.305,"end":1282.625,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.1170058399438858},{"word":"to","start":1282.625,"end":1282.785,"confidence":0.88134766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1345096230506897},{"word":"be","start":1282.785,"end":1282.865,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13481584191322327},{"word":"able","start":1282.865,"end":1283.025,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1380317062139511},{"word":"to","start":1283.025,"end":1283.105,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17279376089572906},{"word":"make","start":1283.105,"end":1283.265,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13342058658599854},{"word":"the","start":1283.265,"end":1283.425,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12437555938959122},{"word":"changes","start":1283.425,"end":1283.745,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.15122023224830627},{"word":"and","start":1283.745,"end":1283.905,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08929750323295593},{"word":"look","start":1283.905,"end":1284.145,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09194982051849364},{"word":"after","start":1284.145,"end":1284.465,"confidence":0.99609375,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.11151208728551865},{"word":"things","start":1284.465,"end":1284.965,"confidence":0.99853516,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.09196615219116212},{"word":"i","start":1285.105,"end":1285.265,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08604399859905243},{"word":"just","start":1285.265,"end":1285.425,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08426417410373688},{"word":"wanted","start":1285.425,"end":1285.745,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0947955921292305},{"word":"to","start":1285.745,"end":1285.8251,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09078097343444824},{"word":"ask","start":1285.8251,"end":1285.985,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.08618321269750595},{"word":"you","start":1285.985,"end":1286.145,"confidence":0.7792969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09358347952365877},{"word":"if","start":1286.145,"end":1286.225,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08055511116981506},{"word":"you","start":1286.225,"end":1286.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05478983372449875},{"word":"were","start":1286.385,"end":1286.545,"confidence":0.7241211,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.009372398257255554},{"word":"still","start":1286.545,"end":1286.705,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03872482478618622},{"word":"happy","start":1286.705,"end":1287.025,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.13276761770248413},{"word":"with","start":1287.025,"end":1287.185,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1308797001838684},{"word":"our","start":1287.185,"end":1287.345,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.13653969764709473},{"word":"services","start":1287.345,"end":1287.845,"confidence":0.9724121,"punctuated_word":"services.","sentiment":"neutral","sentiment_score":0.14309018850326538},{"word":"cool","start":1290.3201,"end":1290.8201,"confidence":0.9772949,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.6110836267471313},{"word":"now","start":1292.3201,"end":1292.72,"confidence":0.7138672,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0563703253865242},{"word":"just","start":1292.72,"end":1292.9601,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03403586894273758},{"word":"a","start":1292.9601,"end":1293.04,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015273327007889748},{"word":"bit","start":1293.04,"end":1293.28,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.012304235249757768},{"word":"of","start":1293.28,"end":1293.36,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.001525823026895523},{"word":"a","start":1293.36,"end":1293.52,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0019441097974777224},{"word":"heads","start":1293.52,"end":1293.76,"confidence":0.9980469,"punctuated_word":"heads","sentiment":"neutral","sentiment_score":0.007867161184549332},{"word":"up","start":1293.76,"end":1294.0,"confidence":0.8864746,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.017920201644301414},{"word":"so","start":1294.0,"end":1294.48,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02880832552909851},{"word":"the","start":1294.48,"end":1294.72,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.062427595257759094},{"word":"fees","start":1294.72,"end":1295.04,"confidence":1.0,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.04520944505929947},{"word":"haven't","start":1295.04,"end":1295.28,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.06064283102750778},{"word":"changed","start":1295.28,"end":1295.68,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.06858115643262863},{"word":"this","start":1295.68,"end":1295.92,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.041141510009765625},{"word":"year","start":1295.92,"end":1296.3201,"confidence":0.9848633,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.024881165474653244},{"word":"it's","start":1296.3201,"end":1296.56,"confidence":0.9736328,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.01849156990647316},{"word":"still","start":1296.56,"end":1296.8,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.021752670407295227},{"word":"the","start":1296.8,"end":1296.88,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01440495252609253},{"word":"1.5%","start":1296.88,"end":1298.42,"confidence":0.9707031,"punctuated_word":"1.5%","sentiment":"neutral","sentiment_score":0.021991141140460968},{"word":"capped","start":1298.56,"end":1298.8,"confidence":0.7866211,"punctuated_word":"capped","sentiment":"neutral","sentiment_score":0.02171286568045616},{"word":"at","start":1298.8,"end":1298.9601,"confidence":0.98291016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.016334563493728638},{"word":"600,000","start":1298.9601,"end":1300.02,"confidence":0.958903,"punctuated_word":"600,000,","sentiment":"neutral","sentiment_score":0.05673987045884133},{"word":"but","start":1300.0801,"end":1300.3201,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.014733508229255676},{"word":"we","start":1300.3201,"end":1300.56,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00559687614440918},{"word":"will","start":1300.56,"end":1300.72,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.036817967891693115},{"word":"be","start":1300.72,"end":1300.9601,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05782800167798996},{"word":"bringing","start":1300.9601,"end":1301.28,"confidence":1.0,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":0.07714896649122238},{"word":"in","start":1301.28,"end":1301.76,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08247119188308716},{"word":"a","start":1301.76,"end":1301.92,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07987286150455475},{"word":"bit","start":1301.92,"end":1302.0801,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0932152271270752},{"word":"of","start":1302.0801,"end":1302.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08699743449687958},{"word":"a","start":1302.24,"end":1302.4,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08601655811071396},{"word":"tiered","start":1302.4,"end":1302.9,"confidence":0.9904785,"punctuated_word":"tiered","sentiment":"neutral","sentiment_score":0.04052901640534401},{"word":"structure","start":1303.04,"end":1303.52,"confidence":0.99316406,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.06052429974079132},{"word":"soon","start":1303.52,"end":1304.02,"confidence":0.9980469,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.05732624232769013},{"word":"so","start":1304.255,"end":1304.495,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07744663953781128},{"word":"that","start":1304.495,"end":1304.8151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09362722933292388},{"word":"once","start":1304.8151,"end":1305.135,"confidence":0.9941406,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.011902302503585815},{"word":"you","start":1305.135,"end":1305.2151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03270203247666359},{"word":"go","start":1305.2151,"end":1305.4551,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.044955309480428696},{"word":"above","start":1305.4551,"end":1305.6951,"confidence":0.9921875,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.04603251069784165},{"word":"200,000","start":1305.6951,"end":1306.495,"confidence":0.9991862,"punctuated_word":"200,000,","sentiment":"neutral","sentiment_score":0.0452740304172039},{"word":"they'll","start":1306.495,"end":1306.7351,"confidence":0.8376465,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.07760946452617645},{"word":"start","start":1306.7351,"end":1306.9751,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.08844402432441711},{"word":"to","start":1306.9751,"end":1307.055,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0910913497209549},{"word":"be","start":1307.055,"end":1307.295,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07845664024353027},{"word":"discounts","start":1307.295,"end":1307.795,"confidence":0.80566406,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":0.049939997494220734},{"word":"applied","start":1307.8551,"end":1308.255,"confidence":0.98828125,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.056550636887550354},{"word":"next","start":1308.255,"end":1308.5751,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.01600717008113861},{"word":"year","start":1308.5751,"end":1309.0751,"confidence":0.9875488,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.04251585528254509},{"word":"so","start":1309.2151,"end":1309.615,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.032747965306043625},{"word":"we're","start":1309.615,"end":1309.8551,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06538254022598267},{"word":"just","start":1309.8551,"end":1310.015,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0599333718419075},{"word":"trying","start":1310.015,"end":1310.3351,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.04980560392141342},{"word":"to","start":1310.3351,"end":1310.415,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04253150522708893},{"word":"step","start":1310.415,"end":1310.7351,"confidence":1.0,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.02434413880109787},{"word":"things","start":1310.7351,"end":1310.9751,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.02268916368484497},{"word":"down","start":1310.9751,"end":1311.295,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05076368525624275},{"word":"for","start":1311.295,"end":1311.4551,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.016278676688671112},{"word":"people","start":1311.4551,"end":1311.9551,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.05314388871192932},{"word":"as","start":1312.015,"end":1312.175,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0019744113087654114},{"word":"they","start":1312.175,"end":1312.3351,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.026416823267936707},{"word":"get","start":1312.3351,"end":1312.495,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.013478659093379974},{"word":"to","start":1312.495,"end":1312.655,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036160051822662354},{"word":"a","start":1312.655,"end":1312.8151,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014983288943767548},{"word":"higher","start":1312.8151,"end":1313.055,"confidence":1.0,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.021544791758060455},{"word":"balance","start":1313.055,"end":1313.555,"confidence":1.0,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":-0.00010517239570617676},{"word":"k","start":1315.2151,"end":1315.6951,"confidence":0.7006836,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.016452405601739883},{"word":"so","start":1315.6951,"end":1315.8551,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.015218131244182588},{"word":"this","start":1315.8551,"end":1316.0951,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.024433467537164688},{"word":"one","start":1316.0951,"end":1316.3351,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.019237302243709564},{"word":"will","start":1316.3351,"end":1316.495,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.022405043244361877},{"word":"be","start":1316.495,"end":1316.655,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03191671893000603},{"word":"the","start":1316.655,"end":1316.8151,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03802927955985069},{"word":"same","start":1316.8151,"end":1317.135,"confidence":0.9909668,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.010889392346143724},{"word":"the","start":1317.135,"end":1317.2151,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.181586891412735},{"word":"next","start":1317.2151,"end":1317.4551,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.13060010969638824},{"word":"one","start":1317.4551,"end":1317.775,"confidence":0.99316406,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.0914675071835518},{"word":"there","start":1317.775,"end":1317.935,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17110580205917358},{"word":"should","start":1317.935,"end":1318.0951,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.21751418709754944},{"word":"be","start":1318.0951,"end":1318.3351,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13104034960269928},{"word":"some","start":1318.3351,"end":1318.495,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11493460834026337},{"word":"discounts","start":1318.495,"end":1318.995,"confidence":0.99902344,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":0.10886558890342712},{"word":"there","start":1319.055,"end":1319.295,"confidence":0.94311523,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09625137597322464},{"word":"but","start":1319.295,"end":1319.46,"confidence":0.82666016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08297494798898697},{"word":"when","start":1319.62,"end":1319.7799,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05033881962299347},{"word":"we","start":1319.7799,"end":1319.86,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0617758184671402},{"word":"get","start":1319.86,"end":1319.94,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04658234864473343},{"word":"that","start":1319.94,"end":1320.1,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11811944842338562},{"word":"next","start":1320.1,"end":1320.5,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09114821255207062},{"word":"financial","start":1320.5,"end":1320.8999,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.10339803993701936},{"word":"services","start":1320.8999,"end":1321.38,"confidence":1.0,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.06425657868385315},{"word":"guide","start":1321.38,"end":1321.62,"confidence":0.9995117,"punctuated_word":"guide,","sentiment":"neutral","sentiment_score":0.09559793025255205},{"word":"we'll","start":1321.62,"end":1321.86,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.14029887318611145},{"word":"send","start":1321.86,"end":1322.02,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.21125099062919617},{"word":"that","start":1322.02,"end":1322.1799,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20500482618808744},{"word":"through","start":1322.1799,"end":1322.4199,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16934391856193542},{"word":"to","start":1322.4199,"end":1322.58,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19828550517559052},{"word":"you","start":1322.58,"end":1322.6599,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1851666271686554},{"word":"as","start":1322.6599,"end":1322.8999,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13142040371894836},{"word":"well","start":1322.8999,"end":1323.3999,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1030879244208336},{"word":"amazing","start":1325.22,"end":1325.62,"confidence":0.99658203,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.7577641010284424},{"word":"any","start":1325.62,"end":1325.7799,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.24023768305778503},{"word":"questions","start":1325.7799,"end":1326.1,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.27254801988601685},{"word":"for","start":1326.1,"end":1326.26,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30822378396987915},{"word":"me","start":1326.26,"end":1326.4199,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3830765187740326},{"word":"before","start":1326.4199,"end":1326.74,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.2610534429550171},{"word":"i","start":1326.74,"end":1326.82,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2572994828224182},{"word":"let","start":1326.82,"end":1326.98,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11834082007408142},{"word":"you","start":1326.98,"end":1327.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23612213134765625},{"word":"go","start":1327.14,"end":1327.64,"confidence":0.9995117,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.2382865697145462},{"word":"amazing","start":1331.635,"end":1331.955,"confidence":0.7692871,"punctuated_word":"Amazing,","sentiment":"positive","sentiment_score":0.713953971862793},{"word":"bob","start":1331.955,"end":1332.195,"confidence":0.85791016,"punctuated_word":"Bob.","sentiment":"positive","sentiment_score":0.6693589687347412},{"word":"well","start":1332.195,"end":1332.515,"confidence":0.9941406,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.606776237487793},{"word":"thank","start":1332.515,"end":1332.6749,"confidence":0.99902344,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.7609430551528931},{"word":"you","start":1332.6749,"end":1332.9149,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7691408395767212},{"word":"so","start":1332.9149,"end":1332.995,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7179722785949707},{"word":"much","start":1332.995,"end":1333.235,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7664331197738647},{"word":"for","start":1333.235,"end":1333.315,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7066789269447327},{"word":"your","start":1333.315,"end":1333.5549,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7203598618507385},{"word":"time","start":1333.5549,"end":1334.035,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7346057891845703},{"word":"if","start":1334.035,"end":1334.195,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.23360022902488708},{"word":"you","start":1334.195,"end":1334.355,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2669907808303833},{"word":"can","start":1334.355,"end":1334.595,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20682558417320251},{"word":"have","start":1334.595,"end":1334.715,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3293079435825348},{"word":"a","start":1334.715,"end":1334.835,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29927858710289},{"word":"look","start":1334.835,"end":1335.075,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17201973497867584},{"word":"at","start":1335.075,"end":1335.235,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1973792016506195},{"word":"that","start":1335.235,"end":1335.5549,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22763162851333615},{"word":"email","start":1335.5549,"end":1335.875,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.23522824048995972},{"word":"when","start":1335.875,"end":1336.035,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12289567291736604},{"word":"you","start":1336.035,"end":1336.195,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15508422255516052},{"word":"get","start":1336.195,"end":1336.355,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1345849633216858},{"word":"a","start":1336.355,"end":1336.4349,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30168765783309937},{"word":"chance","start":1336.4349,"end":1336.9349,"confidence":0.9970703,"punctuated_word":"chance,","sentiment":"neutral","sentiment_score":0.2052836716175079},{"word":"we","start":1337.315,"end":1337.475,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3045848608016968},{"word":"will","start":1337.475,"end":1337.7949,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3907488286495209},{"word":"post","start":1337.7949,"end":1338.035,"confidence":0.99902344,"punctuated_word":"post","sentiment":"positive","sentiment_score":0.3866811692714691},{"word":"out","start":1338.035,"end":1338.355,"confidence":0.9873047,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.37886595726013184},{"word":"that","start":1338.355,"end":1338.595,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4206502139568329},{"word":"pack","start":1338.595,"end":1338.995,"confidence":0.95825195,"punctuated_word":"pack.","sentiment":"positive","sentiment_score":0.3504156470298767},{"word":"and","start":1338.995,"end":1339.315,"confidence":0.70703125,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.16017155349254608},{"word":"again","start":1339.315,"end":1339.7949,"confidence":0.99609375,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.17958968877792358},{"word":"any","start":1339.7949,"end":1340.035,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15920490026474},{"word":"questions","start":1340.035,"end":1340.515,"confidence":0.9785156,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.1155160591006279},{"word":"just","start":1340.515,"end":1340.755,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1289753019809723},{"word":"call","start":1340.755,"end":1340.995,"confidence":0.9091797,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.13801564276218414},{"word":"back","start":1340.995,"end":1341.417,"confidence":0.99902344,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.14041416347026825},{"word":"thank","start":1344.297,"end":1344.537,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6803540587425232},{"word":"you","start":1344.537,"end":1344.777,"confidence":0.99365234,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.8022547960281372},{"word":"bob","start":1344.777,"end":1344.937,"confidence":0.91503906,"punctuated_word":"Bob.","sentiment":"positive","sentiment_score":0.7063486576080322},{"word":"have","start":1344.937,"end":1345.097,"confidence":1.0,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7462698817253113},{"word":"a","start":1345.097,"end":1345.257,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7438584566116333},{"word":"fantastic","start":1345.257,"end":1345.757,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8426194787025452},{"word":"day","start":1345.817,"end":1346.317,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.5018484592437744},{"word":"bye","start":1348.057,"end":1348.557,"confidence":0.9951172,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.22035811841487885}],"paragraphs":{"transcript":"\nHi, Barbara. It's Tommy here, senior adviser of Oakview. How are you doing today? I'm doing fantastic. It's a very cool, chill day on the Gold Coast.\n\nWhat about your end? Great to hear. Great to hear. I've got you booked in to go through a bit of an annual review. Do you still have time for me?\n\nPerfect. I'm just gonna go through a quick security check with you, and I've got an email pack to send through to you for your review. Will you be able to look onto the emails with me today, or should I just kind of walk you through what's coming? Yep. No worries at all.\n\nBarbara, I'm registered with adviser one two seven three one zero five. Could I please confirm your date of birth and address? Perfect. And are you okay for the call to be recorded? Sensational.\n\nSo I've got your asBobWoods1@Hotmail.com. Is that still okay for documentation? Awesome. So I'll pop that through to you now. Now for the review today, I've got some updated information on the super certificate of currency for your insurances coming through and just some updated financial services guide with Oakview.\n\nNow is there anything in particular that you wanna focus on for this year's review? Perfect. Just a bit of a general update. And I did have a bit of a note there that you were trying to look at some super for your daughter, I believe, going through early employment. Amazing.\n\nYeah. That's a pretty good pretty good idea. Normally, for people's first job, first super, it's really good to get that kind of low fee industry fund to start with to build up their first 50 to 80,000. And it just means that they've got a bit of a chance for those early contributions to actually grow before they do anything fancy after that. Perfect.\n\nNow I'm just having a quick look about some of these details I need to update on our new system, Bob. But goals wise, I do have here that we're looking to try and retire as early as possible towards age 60, which is when you can access your super. Does that still sound correct? Yeah. Absolutely.\n\nAnd then whether we have to kind of delay things for a year or two, we'll just wait until we've got enough funds there or even go part time. There's always options to slow things down as well. Now one of the things that I found interesting there was that we're trying to retire with as much as possible, but there was an early goal when you came on board that your partner might not have very much in super, and you guys wanna kind of rely on your funds. Does that still sound to be a priority for you guys? Cool.\n\nSo whenever I do any retirement analysis, we'll try and factor in as much as we can how to get yours into a position to fund for the both of you. Now assets and liabilities wise, we did have, like, a a main resonance valued at about a million dollars with just under 500,000 owing on the mortgage. Has that changed a lot? Perfect. So would you say that kind of the main focus is get that paid off as much as possible and then retire with, you know, the mortgage paid off in the super combined, or what would you think?\n\nYep. And last time we checked, you did have a car and a truck and about 50,000 in savings, liquid cash. Is that pretty close to the mark as well? Yep. Yeah.\n\nYou're doing some renovations. And is that all finished now? Would you start a few more things to do around the place? Gotcha. Gotcha.\n\nHow much do you think that's gonna end up costing? I know materials have gone up a bit. Amazing. Yeah. Perfect.\n\nThank you for that. And the last two details I wanted to update with you is just in terms of the two trucks. Would you have a combined resale value on the top of your head there? I think the first truck was about 20,000. Yep.\n\nAnd in terms of the savings, how much has that gone down to in terms of emergency fund for you guys from the Yep. Yeah. That paints a good picture, so you've got to kind of build it back up a little bit. Okay. And with the savings, are you able to put aside, like, a set amount every week to go towards building the savings, or how's the budgeting going?\n\nYep. Yeah. Yep. Perfect. Perfect.\n\nSo settle into the position, build up the savings again. And, Bob, I wanted to update too in terms of the occupation there. We had you earning about 60,000 as a bit of an admin officer. Has your role changed very much? Perfect.\n\nWho's that for again in terms of employer? That's what I was noticing because there's two different contributions coming through. The government's a bit higher. Yep. And that's Wares Creek preschool, not for profit.\n\nNow just quickly, in terms of your income, are they pretty well equally weighted? Like, is it fifty fifty between where you get the income from, or is one a bit more than the other? Gotcha. Okay. Profit.\n\nPerfect. That's what I needed. And in terms of family, we just had you obviously married with two dependent children at the time. Amazing. And you didn't end up getting a, like, a will or a power of attorney in place?\n\nI can imagine. Absolutely. It's just everyone's just trying to get by at the moment. No. That's fine.\n\nI just wanted to check with you today if you wanted me to send through some forms for your super beneficiary to get that updated on Hub since remember we changed you over from Netwealth to Hub. I think we still needed to list somebody on the super there if it would be easy for me to kind of put together some prefilled forms for you just to make it a bit easier. When it comes to the beneficiary nominations of who it goes to, is it just going to your partner? Or yeah. And that's the thing is when you nominate someone 18, whoever becomes their guardian kind of controls the funds on their behalf as well.\n\nHey, Bob. Do you have a preference between in terms of the nominations, you can make it that it expires every three years to kind of force people to check them, or you can make it continuous, which is a non lapsing. It doesn't change unless you decide to change it. Yeah. Yep.\n\nThat's good. Bit of a refresher. Absolutely. And yeah. Amazing.\n\nAnd we'll obviously bring it up during the reviews as well just to make sure that you're still happy with it. And if there's any changes that need to be done, You can make it legally binding so the super fund has to do it, or it's a bit of a strange question, but you can make it non legally binding so the super fund has a bit of discretion there. Do you have a preference between those? I know it's a bit of a silly question. Yeah.\n\nYeah. In that way, there's no issues when it goes through the legal system. It's pretty straightforward. So what I'll do is I'll get those details in there. Would it be easier for you to because normally with those beneficiaries, we send them out.\n\nYou can either get them via email and print them, or we can just post them out to you with a return envelope. What would be easier? Yep. You can get lost in the day to day. Yeah.\n\nAnd with those forms too, do you want me to add your partner's details on the forms for you, like, refilled it, or are you happy to add those in? Perfect. We'll always send you, like, a bit of an instruction cover letter anyway just to make sure you get people to witness it and that kind of thing. But if you have any questions, just call the team, and they can walk you through it in two seconds flat. Perfect.\n\nNow just swinging over to the super there for that update. Have you been logging in to Hub to have a look every now and then or just waiting for the reviews? Yep. Now there's a few changes that have happened. So I wanna just kind of paint the picture a little bit because the market's obviously been going a bit crazy since the war broke out and everything, but you had some changes where Dana switched you from Netwealth to Hub, got you a bit of an updated portfolio.\n\nDoes that ring a bell? Yep. So the change from Netwealth to Hub, that's definitely been a good move for you. The fees have been a lot lower in terms of the admin fees and the investment fees. That's really good.\n\nAnd when I was looking at the portfolio that you were in, given everything that's happened in the market, it would have been a bit negative had you stayed in it. But the one that she's put you in, it's kind of bounced up into the positive for the year. That's six or 7% in growth on top of your contributions. Now that's a tiny bit below the benchmark that we want long term because, obviously, every seven years, the market grows and then it crashes because of the world events. We don't wanna be under 10% for more than maybe one or two years per seven.\n\nDoes that make sense? So one of the things that she did was she reduced your allocation to a fund called Benelon, which that's been the only one that's been negatively performing. The rest of them have all been pretty well in the double digits. Very, very strong growth across all other seven options. But that been a long one, that one's been dragging its feet a little bit.\n\nYou used to have 30% in there. Now you've got 10, which is really good because your other option that you put in has actually grown twice as much. Okay? I'm gonna put a flag on that one, though, because if that doesn't pick up its feet by the end of the year, I probably would like to switch it out for a different option potentially. Okay?\n\nAt this point, though, what I really wanted to check with you, Barb, is you're trying to grow your super to fund for both of you guys, but your preservation age is in nine years. And, normally, high growth, you wanna have about nine to ten years under your belt because of those market movements. You don't wanna be a day from retirement in high risk, and then you lose half your super. Do you know what I So what I wanted to check with you is because we're still focused so much on growth right now, are you okay with that roller coaster ride for it to be going up and down so much to get that growth and then protect it later, or should we be talking about reducing the risk a little bit? So the way that usually plays out is, let's say, in the next nine years, you're expecting seven years where the market grows, two years where the market goes down.\n\nIf that happens this year, next year, that's actually kind of a good thing because we can use it as a buying opportunity to kind of buy into all of the shares and property gold when they go down. We don't want that to happen when you're three years from retirement. So, yeah, it's gonna be a little bit of, like, a hold on to your harness in the roller coaster because what we're basically doing is we need to get you enough growth to fund the retirement. But then what we normally do is in those last seven years, we slowly reduce your risk level down, like, once every three years. So instead of 90% shares in property, we go eighty, seventy, sixty, fifty, forty, and just kinda gradually step you down in the lead up, if that makes sense.\n\nSo what we're gonna be doing every year is we're gonna do pretty close review where if you've gotten a really strong year, then we might reduce your risk level down. If it's dropped a little bit, we're gonna wait for the growth to occur. Is that okay for you? That's what I'm thinking because we don't wanna just call it quits too early because this is where you make that last little bit of growth. Yeah.\n\nSo are you okay to if we need to go 62 just so we've got the extra couple of years to get the growth out of it? Perfect. Perfect. So, yeah, just to be able to have the freedom to slow down when you've got enough there. Yeah.\n\nYep. I'm with you. So our main focus at the moment will be just keeping a very close eye on the portfolio. And then every review, just talking to you about when we slowly reduce the risk down, we're gonna kind of time it each year with you. Okay?\n\nSo I'm not gonna change super funds now. We're not gonna really I'll put a flag on that option for the end of the year, and we'll just kind of keep trying to get that growth out of it. The other thing too is just in terms of fees, you do have the life and TPD insurance coming out of the super as well. That 250,000 worth of life and disability insurance. Does that ring a bell?\n\nNow this one's not too bad. Normally, I'd expect it to be a little bit more, but it's sitting at $662. Last time I checked it, I think it was 500. So it hasn't jumped up astronomically. It hasn't doubled to a thousand dollars or anything like that.\n\nBut I do just wanna check it with you because, obviously, that will chop off half of the mortgage. Is that too little in terms of insurance? Is that too much? Are you do you still value them? Yeah.\n\nThere's no point, like, trying to change providers if they can't give you that replacement cover, so we've got to kind of keep the Ascender one. Yeah. And that'll make it trickier to increase as well. Like, if we were trying to make it higher to cover the full mortgage, they probably wouldn't do that increase either. Yep.\n\nSo for now, let's just sort of keep it going as long as it becomes affordable. And then if it becomes unaffordable, we'll talk about when we start to trim it down. Okay. Perfect. Perfect.\n\nAlright. So I'll put another little flag on there just to make sure that every time you get that anniversary, we'll keep an eye on those premiums there. Because once you hit the the fifties, it can go up quite quickly. And I've seen some people where, you know, a thousand dollars becomes $8,000 in a matter of five or six years. So Premium is going up.\n\nYeah. See, that's where I wanna be a little bit different with Oakview. We wanna keep an eye on this because while it's nice to have that there to cover as much of the mortgage as possible, if it starts jumping up to $34,000, we're gonna have to have that conversation about how much is too much. Yep. So 662 is not too bad at the moment, but we'll keep a close eye on it.\n\nAnd the next anniversary until May of next year. Perfect. Okay. So we'll stay high growth. We'll keep the portfolio going within Hub for the time being.\n\nI'll have another chat with you about the investments and the risk level on our next review. Do you prefer to do a bit more contact throughout the year? We can do six monthly or quarterly, or do you just prefer that twelve month annual review? Yep. No worries.\n\nSo if anything does pop up in between, any concerns or anything you would like to talk to us about, please just call through and book in the chat, but we'll keep an eye on things. And then at that review, we'll have that next risk discussion as well. Perfect. So at the moment, I'll send out those beneficiary forms, get those sorted with you. There's that reminder just when life does slow down a little bit.\n\nIf it does, we'll get the will and everything organized. But for now, there's a lot to do in terms of the renovation, savings, and the mortgage. Cool. Bob, the other thing that's in that review pack with you, so you've got the super, the insurance, the financial services guide. We've included the updated service agreement with you as well.\n\nSo in order to remain advisers, we do need you to sign off on consent for us to be on your account to be able to make the changes and look after things. I just wanted to ask you if you were still happy with our services. Cool. Now just a bit of a heads up. So the fees haven't changed this year.\n\nIt's still the 1.5% capped at 600,000, but we will be bringing in a bit of a tiered structure soon so that once you go above 200,000, they'll start to be discounts applied next year. So we're just trying to step things down for people as they get to a higher balance. K? So this one will be the same. The next one, there should be some discounts there.\n\nBut when we get that next financial services guide, we'll send that through to you as well. Amazing. Any questions for me before I let you go? Amazing, Bob. Well, thank you so much for your time.\n\nIf you can have a look at that email when you get a chance, we will post out that pack. And, again, any questions, just call back. Thank you, Bob. Have a fantastic day. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Barbara.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.06600905768573284},{"text":"It's Tommy here, senior adviser of Oakview.","start":3.12,"end":5.12,"sentiment":"neutral","sentiment_score":0.10173391018595014},{"text":"How are you doing today?","start":5.12,"end":6.18,"sentiment":"neutral","sentiment_score":0.13277611136436462},{"text":"I'm doing fantastic.","start":7.9199996,"end":9.22,"sentiment":"positive","sentiment_score":0.7319045265515646},{"text":"It's a very cool, chill day on the Gold Coast.","start":9.36,"end":11.599999,"sentiment":"positive","sentiment_score":0.6642041265964508}],"sentiment":"positive","sentiment_score":0.3831774403375608,"num_words":27,"start":2.48,"end":11.599999},{"sentences":[{"text":"What about your end?","start":11.599999,"end":12.645,"sentiment":"neutral","sentiment_score":0.1464734673500061},{"text":"Great to hear.","start":15.285,"end":15.925,"sentiment":"positive","sentiment_score":0.5936452150344849},{"text":"Great to hear.","start":15.925,"end":16.725,"sentiment":"positive","sentiment_score":0.45871269702911377},{"text":"I've got you booked in to go through a bit of an annual review.","start":16.725,"end":19.445,"sentiment":"neutral","sentiment_score":0.14777511358261108},{"text":"Do you still have time for me?","start":19.445,"end":21.065,"sentiment":"neutral","sentiment_score":0.060682620853185654}],"sentiment":"neutral","sentiment_score":0.201180565861925,"num_words":31,"start":11.599999,"end":21.065},{"sentences":[{"text":"Perfect.","start":23.685001,"end":24.185001,"sentiment":"positive","sentiment_score":0.4069832861423493},{"text":"I'm just gonna go through a quick security check with you, and I've got an email pack to send through to you for your review.","start":24.244999,"end":30.529999,"sentiment":"neutral","sentiment_score":0.20554276466369628},{"text":"Will you be able to look onto the emails with me today, or should I just kind of walk you through what's coming?","start":30.75,"end":35.57,"sentiment":"neutral","sentiment_score":0.10308251951051794},{"text":"Yep.","start":39.645,"end":39.965,"sentiment":"neutral","sentiment_score":0.0585612952709198},{"text":"No worries at all.","start":39.965,"end":41.105,"sentiment":"neutral","sentiment_score":0.0755279716104269}],"sentiment":"neutral","sentiment_score":0.15328006542943143,"num_words":54,"start":23.685001,"end":41.105},{"sentences":[{"text":"Barbara, I'm registered with adviser one two seven three one zero five.","start":41.165,"end":45.505,"sentiment":"neutral","sentiment_score":0.04757303434113661},{"text":"Could I please confirm your date of birth and address?","start":45.565002,"end":48.225,"sentiment":"neutral","sentiment_score":0.026965418271720408},{"text":"Perfect.","start":54.46,"end":54.94,"sentiment":"neutral","sentiment_score":0.15392747521400452},{"text":"And are you okay for the call to be recorded?","start":54.94,"end":56.88,"sentiment":"neutral","sentiment_score":0.043337132781744},{"text":"Sensational.","start":59.1,"end":59.6,"sentiment":"neutral","sentiment_score":0.05245378613471985}],"sentiment":"neutral","sentiment_score":0.043537740705206114,"num_words":34,"start":41.165,"end":59.6},{"sentences":[{"text":"So I've got your asBobWoods1@Hotmail.com.","start":59.9,"end":64.525,"sentiment":"neutral","sentiment_score":0.02776462137699127},{"text":"Is that still okay for documentation?","start":64.525,"end":66.705,"sentiment":"neutral","sentiment_score":0.025580347515642643},{"text":"Awesome.","start":69.405,"end":69.805,"sentiment":"neutral","sentiment_score":0.3315848708152771},{"text":"So I'll pop that through to you now.","start":69.805,"end":71.905,"sentiment":"neutral","sentiment_score":0.22967430762946606},{"text":"Now for the review today, I've got some updated information on the super certificate of currency for your insurances coming through and just some updated financial services guide with Oakview.","start":72.604996,"end":83.28,"sentiment":"neutral","sentiment_score":0.1155727838476499}],"sentiment":"neutral","sentiment_score":0.11856936078518629,"num_words":50,"start":59.9,"end":83.28},{"sentences":[{"text":"Now is there anything in particular that you wanna focus on for this year's review?","start":84.21999,"end":87.84,"sentiment":"neutral","sentiment_score":0.03891216019789378},{"text":"Perfect.","start":93.115,"end":93.515,"sentiment":"neutral","sentiment_score":0.1701507270336151},{"text":"Just a bit of a general update.","start":93.515,"end":94.975,"sentiment":"neutral","sentiment_score":0.10646076393978936},{"text":"And I did have a bit of a note there that you were trying to look at some super for your daughter, I believe, going through early employment.","start":96.395,"end":105.23,"sentiment":"neutral","sentiment_score":0.050257107841649225},{"text":"Amazing.","start":111.850006,"end":112.350006,"sentiment":"neutral","sentiment_score":0.25374504923820496}],"sentiment":"neutral","sentiment_score":0.06076927973817174,"num_words":52,"start":84.21999,"end":112.350006},{"sentences":[{"text":"Yeah.","start":119.065,"end":119.305,"sentiment":"positive","sentiment_score":0.6019042134284973},{"text":"That's a pretty good pretty good idea.","start":119.305,"end":121.545006,"sentiment":"positive","sentiment_score":0.8318401830536979},{"text":"Normally, for people's first job, first super, it's really good to get that kind of low fee industry fund to start with to build up their first 50 to 80,000.","start":121.545006,"end":131.16,"sentiment":"positive","sentiment_score":0.3807199935118357},{"text":"And it just means that they've got a bit of a chance for those early contributions to actually grow before they do anything fancy after that.","start":131.38,"end":139.4,"sentiment":"neutral","sentiment_score":0.29478407020752245},{"text":"Perfect.","start":141.3,"end":141.7,"sentiment":"positive","sentiment_score":0.5564063787460327}],"sentiment":"positive","sentiment_score":0.40103350006617033,"num_words":65,"start":119.065,"end":141.7},{"sentences":[{"text":"Now I'm just having a quick look about some of these details I need to update on our new system, Bob.","start":141.7,"end":146.995,"sentiment":"neutral","sentiment_score":0.12533747546729587},{"text":"But goals wise, I do have here that we're looking to try and retire as early as possible towards age 60, which is when you can access your super.","start":147.455,"end":157.51,"sentiment":"neutral","sentiment_score":0.09494005451942313},{"text":"Does that still sound correct?","start":157.51,"end":159.45,"sentiment":"neutral","sentiment_score":0.09477143734693527},{"text":"Yeah.","start":170.08499,"end":170.325,"sentiment":"neutral","sentiment_score":0.1389504075050354},{"text":"Absolutely.","start":170.325,"end":170.825,"sentiment":"neutral","sentiment_score":0.18143793940544128}],"sentiment":"neutral","sentiment_score":0.10841393157055504,"num_words":57,"start":141.7,"end":170.825},{"sentences":[{"text":"And then whether we have to kind of delay things for a year or two, we'll just wait until we've got enough funds there or even go part time.","start":170.885,"end":178.245,"sentiment":"neutral","sentiment_score":0.032299407276100124},{"text":"There's always options to slow things down as well.","start":178.245,"end":181.44,"sentiment":"neutral","sentiment_score":0.010523584774798818},{"text":"Now one of the things that I found interesting there was that we're trying to retire with as much as possible, but there was an early goal when you came on board that your partner might not have very much in super, and you guys wanna kind of rely on your funds.","start":183.6,"end":197.415,"sentiment":"neutral","sentiment_score":0.05975960359837},{"text":"Does that still sound to be a priority for you guys?","start":197.495,"end":200.715,"sentiment":"neutral","sentiment_score":0.09866767783056606},{"text":"Cool.","start":201.89499,"end":202.135,"sentiment":"neutral","sentiment_score":0.2940254807472229}],"sentiment":"neutral","sentiment_score":0.054100631352733165,"num_words":102,"start":170.885,"end":202.135},{"sentences":[{"text":"So whenever I do any retirement analysis, we'll try and factor in as much as we can how to get yours into a position to fund for the both of you.","start":202.135,"end":210.54,"sentiment":"neutral","sentiment_score":0.24954422010529426},{"text":"Now assets and liabilities wise, we did have, like, a a main resonance valued at about a million dollars with just under 500,000 owing on the mortgage.","start":212.14,"end":222.21999,"sentiment":"neutral","sentiment_score":0.04988210234377119},{"text":"Has that changed a lot?","start":222.21999,"end":223.395,"sentiment":"neutral","sentiment_score":-0.012107525393366814},{"text":"Perfect.","start":226.035,"end":226.515,"sentiment":"neutral","sentiment_score":0.016042640432715416},{"text":"So would you say that kind of the main focus is get that paid off as much as possible and then retire with, you know, the mortgage paid off in the super combined, or what would you think?","start":226.515,"end":236.49,"sentiment":"neutral","sentiment_score":0.0721816106846458}],"sentiment":"neutral","sentiment_score":0.11550091966694477,"num_words":102,"start":202.135,"end":236.49},{"sentences":[{"text":"Yep.","start":239.45001,"end":239.95001,"sentiment":"neutral","sentiment_score":0.21038272976875305},{"text":"And last time we checked, you did have a car and a truck and about 50,000 in savings, liquid cash.","start":240.01001,"end":246.83,"sentiment":"neutral","sentiment_score":0.12271602936089039},{"text":"Is that pretty close to the mark as well?","start":246.97,"end":248.895,"sentiment":"neutral","sentiment_score":0.18431546125147077},{"text":"Yep.","start":257.295,"end":257.795,"sentiment":"neutral","sentiment_score":0.16474556922912598},{"text":"Yeah.","start":266.11002,"end":266.43,"sentiment":"neutral","sentiment_score":0.09581218659877776}],"sentiment":"neutral","sentiment_score":0.14325313200242817,"num_words":32,"start":239.45001,"end":266.43},{"sentences":[{"text":"You're doing some renovations.","start":266.43,"end":267.65,"sentiment":"neutral","sentiment_score":0.07869772985577583},{"text":"And is that all finished now?","start":270.11002,"end":271.47,"sentiment":"neutral","sentiment_score":0.07374726049602032},{"text":"Would you start a few more things to do around the place?","start":271.47,"end":274.005,"sentiment":"neutral","sentiment_score":0.01979860554759701},{"text":"Gotcha.","start":280.325,"end":280.805,"sentiment":"neutral","sentiment_score":0.030639803037047383},{"text":"Gotcha.","start":280.805,"end":281.305,"sentiment":"neutral","sentiment_score":0.03126080334186554}],"sentiment":"neutral","sentiment_score":0.04403159813955426,"num_words":24,"start":266.43,"end":281.305},{"sentences":[{"text":"How much do you think that's gonna end up costing?","start":286.81998,"end":288.66,"sentiment":"neutral","sentiment_score":-0.025156529806554317},{"text":"I know materials have gone up a bit.","start":288.66,"end":290.59998,"sentiment":"neutral","sentiment_score":-0.027922823559492826},{"text":"Amazing.","start":300.035,"end":300.535,"sentiment":"positive","sentiment_score":0.4945729970932007},{"text":"Yeah.","start":311.33,"end":311.83,"sentiment":"neutral","sentiment_score":0.02954781614243984},{"text":"Perfect.","start":322.05,"end":322.37,"sentiment":"positive","sentiment_score":0.5350891351699829}],"sentiment":"neutral","sentiment_score":0.027822002945911316,"num_words":21,"start":286.81998,"end":322.37},{"sentences":[{"text":"Thank you for that.","start":322.37,"end":323.035,"sentiment":"positive","sentiment_score":0.6410570293664932},{"text":"And the last two details I wanted to update with you is just in terms of the two trucks.","start":323.035,"end":326.955,"sentiment":"neutral","sentiment_score":0.07248298882653839},{"text":"Would you have a combined resale value on the top of your head there?","start":326.955,"end":330.315,"sentiment":"neutral","sentiment_score":0.050880507699080875},{"text":"I think the first truck was about 20,000.","start":330.315,"end":332.735,"sentiment":"neutral","sentiment_score":0.014153114520013332},{"text":"Yep.","start":344.89,"end":345.29,"sentiment":"neutral","sentiment_score":0.09290695190429688}],"sentiment":"neutral","sentiment_score":0.1056492148048204,"num_words":46,"start":322.37,"end":345.29},{"sentences":[{"text":"And in terms of the savings, how much has that gone down to in terms of emergency fund for you guys from the Yep.","start":345.29,"end":356.725,"sentiment":"neutral","sentiment_score":0.08426507834034662},{"text":"Yeah.","start":358.005,"end":358.32498,"sentiment":"neutral","sentiment_score":-0.11931051313877106},{"text":"That paints a good picture, so you've got to kind of build it back up a little bit.","start":358.32498,"end":362.425,"sentiment":"negative","sentiment_score":-0.346824216345946},{"text":"Okay.","start":367.46002,"end":367.78,"sentiment":"neutral","sentiment_score":0.11012984067201614},{"text":"And with the savings, are you able to put aside, like, a set amount every week to go towards building the savings, or how's the budgeting going?","start":367.78,"end":375.135,"sentiment":"neutral","sentiment_score":0.16934298668746595}],"sentiment":"neutral","sentiment_score":0.00482543597233967,"num_words":71,"start":345.29,"end":375.135},{"sentences":[{"text":"Yep.","start":388.11,"end":388.61,"sentiment":"neutral","sentiment_score":-0.09695213288068771},{"text":"Yeah.","start":409.245,"end":409.745,"sentiment":"neutral","sentiment_score":-0.10606823861598969},{"text":"Yep.","start":411.165,"end":411.6,"sentiment":"neutral","sentiment_score":0.028644271194934845},{"text":"Perfect.","start":415.68,"end":416.08002,"sentiment":"positive","sentiment_score":0.43961843848228455},{"text":"Perfect.","start":416.08002,"end":416.48,"sentiment":"positive","sentiment_score":0.4116891622543335}],"sentiment":"neutral","sentiment_score":0.1353863000869751,"num_words":5,"start":388.11,"end":416.48},{"sentences":[{"text":"So settle into the position, build up the savings again.","start":416.48,"end":420.26,"sentiment":"neutral","sentiment_score":0.2501258492469788},{"text":"And, Bob, I wanted to update too in terms of the occupation there.","start":422.48,"end":427.60498,"sentiment":"neutral","sentiment_score":0.06374160802135101},{"text":"We had you earning about 60,000 as a bit of an admin officer.","start":427.60498,"end":431.625,"sentiment":"neutral","sentiment_score":0.04098044120921539},{"text":"Has your role changed very much?","start":431.845,"end":433.94498,"sentiment":"neutral","sentiment_score":0.005367639785011609},{"text":"Perfect.","start":437.44498,"end":437.94498,"sentiment":"neutral","sentiment_score":0.034908365458250046}],"sentiment":"neutral","sentiment_score":0.09138975201477838,"num_words":43,"start":416.48,"end":437.94498},{"sentences":[{"text":"Who's that for again in terms of employer?","start":438.965,"end":441.22498,"sentiment":"neutral","sentiment_score":-0.00025310053024441004},{"text":"That's what I was noticing because there's two different contributions coming through.","start":457.245,"end":460.705,"sentiment":"neutral","sentiment_score":-0.004675205564126372},{"text":"The government's a bit higher.","start":462.205,"end":463.82498,"sentiment":"neutral","sentiment_score":0.002394068939611316},{"text":"Yep.","start":464.28497,"end":464.78497,"sentiment":"neutral","sentiment_score":0.012674625031650066},{"text":"And that's Wares Creek preschool, not for profit.","start":471.82,"end":476.96,"sentiment":"neutral","sentiment_score":-0.05061931011732668}],"sentiment":"neutral","sentiment_score":-0.012895199477069956,"num_words":34,"start":438.965,"end":476.96},{"sentences":[{"text":"Now just quickly, in terms of your income, are they pretty well equally weighted?","start":478.79498,"end":483.275,"sentiment":"neutral","sentiment_score":0.004941377722259078},{"text":"Like, is it fifty fifty between where you get the income from, or is one a bit more than the other?","start":483.275,"end":488.25497,"sentiment":"neutral","sentiment_score":-0.06544245185241812},{"text":"Gotcha.","start":495.21,"end":495.71,"sentiment":"neutral","sentiment_score":0.02174608968198299},{"text":"Okay.","start":495.77,"end":496.27,"sentiment":"neutral","sentiment_score":0.06547574698925018},{"text":"Profit.","start":500.25,"end":500.75,"sentiment":"neutral","sentiment_score":0.17025581002235413}],"sentiment":"neutral","sentiment_score":-0.027569330370935955,"num_words":38,"start":478.79498,"end":500.75},{"sentences":[{"text":"Perfect.","start":501.05,"end":501.55,"sentiment":"positive","sentiment_score":0.6962988972663879},{"text":"That's what I needed.","start":501.61002,"end":502.75,"sentiment":"positive","sentiment_score":0.5441401302814484},{"text":"And in terms of family, we just had you obviously married with two dependent children at the time.","start":504.335,"end":510.275,"sentiment":"neutral","sentiment_score":0.10437081878383954},{"text":"Amazing.","start":512.015,"end":512.495,"sentiment":"positive","sentiment_score":0.5711607933044434},{"text":"And you didn't end up getting a, like, a will or a power of attorney in place?","start":512.495,"end":516.195,"sentiment":"neutral","sentiment_score":0.13932623319766102}],"sentiment":"neutral","sentiment_score":0.1875912418089262,"num_words":41,"start":501.05,"end":516.195},{"sentences":[{"text":"I can imagine.","start":520.21,"end":521.09,"sentiment":"neutral","sentiment_score":-0.029964632044235866},{"text":"Absolutely.","start":521.09,"end":521.59,"sentiment":"neutral","sentiment_score":0.0576515793800354},{"text":"It's just everyone's just trying to get by at the moment.","start":521.73004,"end":524.31,"sentiment":"neutral","sentiment_score":-0.16539370674978604},{"text":"No.","start":534.625,"end":534.865,"sentiment":"neutral","sentiment_score":-0.07739344239234924},{"text":"That's fine.","start":534.865,"end":535.505,"sentiment":"neutral","sentiment_score":0.06485679186880589}],"sentiment":"neutral","sentiment_score":-0.09995849720305866,"num_words":18,"start":520.21,"end":535.505},{"sentences":[{"text":"I just wanted to check with you today if you wanted me to send through some forms for your super beneficiary to get that updated on Hub since remember we changed you over from Netwealth to Hub.","start":535.505,"end":546.81995,"sentiment":"neutral","sentiment_score":0.1334369897439673},{"text":"I think we still needed to list somebody on the super there if it would be easy for me to kind of put together some prefilled forms for you just to make it a bit easier.","start":546.81995,"end":555.8,"sentiment":"neutral","sentiment_score":0.1625768035236332},{"text":"When it comes to the beneficiary nominations of who it goes to, is it just going to your partner?","start":560.465,"end":565.505,"sentiment":"neutral","sentiment_score":0.031364393175432555},{"text":"Or yeah.","start":565.505,"end":571.44,"sentiment":"neutral","sentiment_score":0.025251857936382294},{"text":"And that's the thing is when you nominate someone 18, whoever becomes their guardian kind of controls the funds on their behalf as well.","start":571.44,"end":579.62006,"sentiment":"neutral","sentiment_score":0.05878427562614282}],"sentiment":"neutral","sentiment_score":0.10887443515772031,"num_words":118,"start":535.505,"end":579.62006},{"sentences":[{"text":"Hey, Bob.","start":582.255,"end":582.735,"sentiment":"neutral","sentiment_score":0.04886200278997421},{"text":"Do you have a preference between in terms of the nominations, you can make it that it expires every three years to kind of force people to check them, or you can make it continuous, which is a non lapsing.","start":582.735,"end":594.33,"sentiment":"neutral","sentiment_score":-0.00990357210393995},{"text":"It doesn't change unless you decide to change it.","start":594.47003,"end":596.89,"sentiment":"neutral","sentiment_score":-0.03949623306592306},{"text":"Yeah.","start":598.71,"end":598.87,"sentiment":"neutral","sentiment_score":0.08511316776275635},{"text":"Yep.","start":598.87,"end":599.11,"sentiment":"neutral","sentiment_score":0.2384379506111145}],"sentiment":"neutral","sentiment_score":-0.006232714298058231,"num_words":53,"start":582.255,"end":599.11},{"sentences":[{"text":"That's good.","start":599.11,"end":599.75,"sentiment":"positive","sentiment_score":0.6727021038532257},{"text":"Bit of a refresher.","start":599.75,"end":600.73004,"sentiment":"neutral","sentiment_score":0.26553747802972794},{"text":"Absolutely.","start":602.23004,"end":602.73004,"sentiment":"neutral","sentiment_score":0.26662448048591614},{"text":"And yeah.","start":603.19,"end":605.53,"sentiment":"neutral","sentiment_score":0.044859138317406184},{"text":"Amazing.","start":610.555,"end":611.055,"sentiment":"positive","sentiment_score":0.7234115600585938}],"sentiment":"positive","sentiment_score":0.34873084370046853,"num_words":10,"start":599.11,"end":611.055},{"sentences":[{"text":"And we'll obviously bring it up during the reviews as well just to make sure that you're still happy with it.","start":611.115,"end":615.355,"sentiment":"positive","sentiment_score":0.5754766577766055},{"text":"And if there's any changes that need to be done, You can make it legally binding so the super fund has to do it, or it's a bit of a strange question, but you can make it non legally binding so the super fund has a bit of discretion there.","start":615.355,"end":630.45996,"sentiment":"neutral","sentiment_score":0.01626952651888132},{"text":"Do you have a preference between those?","start":630.45996,"end":632.075,"sentiment":"neutral","sentiment_score":0.0026829142921737264},{"text":"I know it's a bit of a silly question.","start":632.075,"end":633.615,"sentiment":"neutral","sentiment_score":-0.0913524039917522},{"text":"Yeah.","start":639.835,"end":640.335,"sentiment":"neutral","sentiment_score":0.1146051436662674}],"sentiment":"neutral","sentiment_score":0.13874659144361925,"num_words":88,"start":611.115,"end":640.335},{"sentences":[{"text":"Yeah.","start":642.235,"end":642.475,"sentiment":"neutral","sentiment_score":0.17062106728553772},{"text":"In that way, there's no issues when it goes through the legal system.","start":642.475,"end":647.21,"sentiment":"neutral","sentiment_score":0.20829609838815835},{"text":"It's pretty straightforward.","start":647.35,"end":648.41,"sentiment":"neutral","sentiment_score":0.27717118461926776},{"text":"So what I'll do is I'll get those details in there.","start":648.87,"end":652.57,"sentiment":"neutral","sentiment_score":0.1388004246083173},{"text":"Would it be easier for you to because normally with those beneficiaries, we send them out.","start":652.87,"end":656.57,"sentiment":"neutral","sentiment_score":0.14709793217480183}],"sentiment":"neutral","sentiment_score":0.17250807921994815,"num_words":44,"start":642.235,"end":656.57},{"sentences":[{"text":"You can either get them via email and print them, or we can just post them out to you with a return envelope.","start":656.95,"end":663.08496,"sentiment":"neutral","sentiment_score":0.12041344461233719},{"text":"What would be easier?","start":663.08496,"end":664.065,"sentiment":"neutral","sentiment_score":0.12210625223815441},{"text":"Yep.","start":669.245,"end":669.745,"sentiment":"neutral","sentiment_score":0.12049099802970886},{"text":"You can get lost in the day to day.","start":678.3,"end":680.24,"sentiment":"neutral","sentiment_score":-0.19848981748024622},{"text":"Yeah.","start":680.7,"end":681.2,"sentiment":"neutral","sentiment_score":0.021992135792970657}],"sentiment":"neutral","sentiment_score":0.04247392135623254,"num_words":38,"start":656.95,"end":681.2},{"sentences":[{"text":"And with those forms too, do you want me to add your partner's details on the forms for you, like, refilled it, or are you happy to add those in?","start":682.3,"end":691.105,"sentiment":"neutral","sentiment_score":0.09121493312219779},{"text":"Perfect.","start":694.285,"end":694.685,"sentiment":"neutral","sentiment_score":0.08538855612277985},{"text":"We'll always send you, like, a bit of an instruction cover letter anyway just to make sure you get people to witness it and that kind of thing.","start":694.685,"end":700.945,"sentiment":"neutral","sentiment_score":0.07196299053196396},{"text":"But if you have any questions, just call the team, and they can walk you through it in two seconds flat.","start":701.11,"end":705.61,"sentiment":"neutral","sentiment_score":0.09344639096941267},{"text":"Perfect.","start":707.67,"end":708.17,"sentiment":"positive","sentiment_score":0.6315436363220215}],"sentiment":"neutral","sentiment_score":0.09173726088102953,"num_words":81,"start":682.3,"end":708.17},{"sentences":[{"text":"Now just swinging over to the super there for that update.","start":708.31,"end":711.67,"sentiment":"neutral","sentiment_score":0.2576240314678712},{"text":"Have you been logging in to Hub to have a look every now and then or just waiting for the reviews?","start":711.67,"end":715.93,"sentiment":"neutral","sentiment_score":0.07495361903593653},{"text":"Yep.","start":718.535,"end":719.035,"sentiment":"neutral","sentiment_score":0.05732690542936325},{"text":"Now there's a few changes that have happened.","start":719.495,"end":721.33496,"sentiment":"neutral","sentiment_score":0.03663719166070223},{"text":"So I wanna just kind of paint the picture a little bit because the market's obviously been going a bit crazy since the war broke out and everything, but you had some changes where Dana switched you from Netwealth to Hub, got you a bit of an updated portfolio.","start":721.33496,"end":735.63,"sentiment":"neutral","sentiment_score":0.05525026573058294}],"sentiment":"neutral","sentiment_score":0.08295086450460884,"num_words":90,"start":708.31,"end":735.63},{"sentences":[{"text":"Does that ring a bell?","start":735.63,"end":736.76996,"sentiment":"neutral","sentiment_score":0.0886159859597683},{"text":"Yep.","start":739.38995,"end":739.79,"sentiment":"neutral","sentiment_score":0.16996333003044128},{"text":"So the change from Netwealth to Hub, that's definitely been a good move for you.","start":739.79,"end":743.14996,"sentiment":"positive","sentiment_score":0.5266342898209889},{"text":"The fees have been a lot lower in terms of the admin fees and the investment fees.","start":743.14996,"end":747.055,"sentiment":"positive","sentiment_score":0.3361092411419925},{"text":"That's really good.","start":747.055,"end":747.95496,"sentiment":"positive","sentiment_score":0.6466887990633646}],"sentiment":"positive","sentiment_score":0.3943044171645874,"num_words":41,"start":735.63,"end":747.95496},{"sentences":[{"text":"And when I was looking at the portfolio that you were in, given everything that's happened in the market, it would have been a bit negative had you stayed in it.","start":748.255,"end":757.65,"sentiment":"neutral","sentiment_score":-0.09308011391230168},{"text":"But the one that she's put you in, it's kind of bounced up into the positive for the year.","start":757.73004,"end":762.31,"sentiment":"neutral","sentiment_score":0.12934912368655205},{"text":"That's six or 7% in growth on top of your contributions.","start":762.37,"end":765.91003,"sentiment":"positive","sentiment_score":0.352084837176583},{"text":"Now that's a tiny bit below the benchmark that we want long term because, obviously, every seven years, the market grows and then it crashes because of the world events.","start":768.21,"end":777.90497,"sentiment":"neutral","sentiment_score":-0.21512222439050674},{"text":"We don't wanna be under 10% for more than maybe one or two years per seven.","start":778.205,"end":783.88995,"sentiment":"neutral","sentiment_score":-0.157220505643636}],"sentiment":"neutral","sentiment_score":-0.05162721303091428,"num_words":107,"start":748.255,"end":783.88995},{"sentences":[{"text":"Does that make sense?","start":783.94995,"end":785.08997,"sentiment":"neutral","sentiment_score":-0.055213017389178276},{"text":"So one of the things that she did was she reduced your allocation to a fund called Benelon, which that's been the only one that's been negatively performing.","start":786.50995,"end":794.58997,"sentiment":"neutral","sentiment_score":-0.18032460486782448},{"text":"The rest of them have all been pretty well in the double digits.","start":794.58997,"end":797.625,"sentiment":"neutral","sentiment_score":0.05573103519586416},{"text":"Very, very strong growth across all other seven options.","start":797.765,"end":801.305,"sentiment":"positive","sentiment_score":0.3772987210088306},{"text":"But that been a long one, that one's been dragging its feet a little bit.","start":803.205,"end":806.085,"sentiment":"neutral","sentiment_score":-0.2659911577900251}],"sentiment":"neutral","sentiment_score":-0.07448719458087631,"num_words":69,"start":783.94995,"end":806.085},{"sentences":[{"text":"You used to have 30% in there.","start":806.085,"end":807.84503,"sentiment":"neutral","sentiment_score":-0.10162671229669026},{"text":"Now you've got 10, which is really good because your other option that you put in has actually grown twice as much.","start":807.84503,"end":814.14,"sentiment":"neutral","sentiment_score":0.18724236510355363},{"text":"Okay?","start":815.88,"end":816.38,"sentiment":"neutral","sentiment_score":0.19510409235954285},{"text":"I'm gonna put a flag on that one, though, because if that doesn't pick up its feet by the end of the year, I probably would like to switch it out for a different option potentially.","start":816.44,"end":825.64496,"sentiment":"neutral","sentiment_score":-0.11249686348148519},{"text":"Okay?","start":827.46497,"end":827.96497,"sentiment":"neutral","sentiment_score":0.01189316064119339}],"sentiment":"neutral","sentiment_score":-0.006491713225841522,"num_words":67,"start":806.085,"end":827.96497},{"sentences":[{"text":"At this point, though, what I really wanted to check with you, Barb, is you're trying to grow your super to fund for both of you guys, but your preservation age is in nine years.","start":828.665,"end":837.96497,"sentiment":"neutral","sentiment_score":-0.016473856648164135},{"text":"And, normally, high growth, you wanna have about nine to ten years under your belt because of those market movements.","start":838.54004,"end":844.72003,"sentiment":"neutral","sentiment_score":-0.07437969651073217},{"text":"You don't wanna be a day from retirement in high risk, and then you lose half your super.","start":844.78,"end":849.42004,"sentiment":"neutral","sentiment_score":-0.19726049113604757},{"text":"Do you know what I So what I wanted to check with you is because we're still focused so much on growth right now, are you okay with that roller coaster ride for it to be going up and down so much to get that growth and then protect it later, or should we be talking about reducing the risk a little bit?","start":849.42004,"end":867.57,"sentiment":"neutral","sentiment_score":-0.05568231237194841},{"text":"So the way that usually plays out is, let's say, in the next nine years, you're expecting seven years where the market grows, two years where the market goes down.","start":876.215,"end":885.995,"sentiment":"neutral","sentiment_score":-0.006334618975718816}],"sentiment":"neutral","sentiment_score":-0.056101759048515415,"num_words":166,"start":828.665,"end":885.995},{"sentences":[{"text":"If that happens this year, next year, that's actually kind of a good thing because we can use it as a buying opportunity to kind of buy into all of the shares and property gold when they go down.","start":887.175,"end":897.21,"sentiment":"neutral","sentiment_score":0.14569974466203114},{"text":"We don't want that to happen when you're three years from retirement.","start":897.43005,"end":900.65,"sentiment":"neutral","sentiment_score":0.09485100178668897},{"text":"So, yeah, it's gonna be a little bit of, like, a hold on to your harness in the roller coaster because what we're basically doing is we need to get you enough growth to fund the retirement.","start":905.83496,"end":915.615,"sentiment":"neutral","sentiment_score":0.15632629938222267},{"text":"But then what we normally do is in those last seven years, we slowly reduce your risk level down, like, once every three years.","start":916.7,"end":924.16003,"sentiment":"neutral","sentiment_score":0.15951300133019686},{"text":"So instead of 90% shares in property, we go eighty, seventy, sixty, fifty, forty, and just kinda gradually step you down in the lead up, if that makes sense.","start":924.22003,"end":934.175,"sentiment":"neutral","sentiment_score":0.2169648069759895}],"sentiment":"neutral","sentiment_score":0.1611692664867386,"num_words":141,"start":887.175,"end":934.175},{"sentences":[{"text":"So what we're gonna be doing every year is we're gonna do pretty close review where if you've gotten a really strong year, then we might reduce your risk level down.","start":935.595,"end":944.98004,"sentiment":"neutral","sentiment_score":0.19095072150230408},{"text":"If it's dropped a little bit, we're gonna wait for the growth to occur.","start":945.04004,"end":948.10004,"sentiment":"neutral","sentiment_score":-0.0034375451505184174},{"text":"Is that okay for you?","start":949.60004,"end":950.98004,"sentiment":"neutral","sentiment_score":0.0768230490386486},{"text":"That's what I'm thinking because we don't wanna just call it quits too early because this is where you make that last little bit of growth.","start":953.2,"end":960.155,"sentiment":"neutral","sentiment_score":-0.12584876727599364},{"text":"Yeah.","start":962.055,"end":962.295,"sentiment":"neutral","sentiment_score":0.03891277313232422}],"sentiment":"neutral","sentiment_score":0.03925073770927144,"num_words":77,"start":935.595,"end":962.295},{"sentences":[{"text":"So are you okay to if we need to go 62 just so we've got the extra couple of years to get the growth out of it?","start":962.295,"end":969.03,"sentiment":"neutral","sentiment_score":0.042460946504164626},{"text":"Perfect.","start":970.55005,"end":970.95,"sentiment":"positive","sentiment_score":0.5027345418930054},{"text":"Perfect.","start":970.95,"end":971.45,"sentiment":"positive","sentiment_score":0.46687179803848267},{"text":"So, yeah, just to be able to have the freedom to slow down when you've got enough there.","start":973.35004,"end":982.41003,"sentiment":"neutral","sentiment_score":0.18871793269904125},{"text":"Yeah.","start":982.55005,"end":982.95,"sentiment":"neutral","sentiment_score":0.15136229991912842}],"sentiment":"neutral","sentiment_score":0.11800702050095424,"num_words":48,"start":962.295,"end":982.95},{"sentences":[{"text":"Yep.","start":982.95,"end":983.27,"sentiment":"neutral","sentiment_score":0.17797651886940002},{"text":"I'm with you.","start":983.27,"end":984.17004,"sentiment":"neutral","sentiment_score":0.21223079661528269},{"text":"So our main focus at the moment will be just keeping a very close eye on the portfolio.","start":985.475,"end":989.65497,"sentiment":"neutral","sentiment_score":0.20739609913693535},{"text":"And then every review, just talking to you about when we slowly reduce the risk down, we're gonna kind of time it each year with you.","start":990.115,"end":997.89,"sentiment":"neutral","sentiment_score":0.17740403201717597},{"text":"Okay?","start":999.41003,"end":999.73004,"sentiment":"neutral","sentiment_score":0.0679420679807663}],"sentiment":"neutral","sentiment_score":0.18833154272668215,"num_words":49,"start":982.95,"end":999.73004},{"sentences":[{"text":"So I'm not gonna change super funds now.","start":999.73004,"end":1001.89,"sentiment":"negative","sentiment_score":-0.35578698944300413},{"text":"We're not gonna really I'll put a flag on that option for the end of the year, and we'll just kind of keep trying to get that growth out of it.","start":1001.89,"end":1009.905,"sentiment":"neutral","sentiment_score":-0.28572010897820993},{"text":"The other thing too is just in terms of fees, you do have the life and TPD insurance coming out of the super as well.","start":1012.30505,"end":1021.025,"sentiment":"neutral","sentiment_score":0.06794789090752601},{"text":"That 250,000 worth of life and disability insurance.","start":1021.025,"end":1025.23,"sentiment":"neutral","sentiment_score":0.04021551739424467},{"text":"Does that ring a bell?","start":1025.23,"end":1026.37,"sentiment":"neutral","sentiment_score":0.037153934687376024}],"sentiment":"neutral","sentiment_score":-0.12334322348817603,"num_words":77,"start":999.73004,"end":1026.37},{"sentences":[{"text":"Now this one's not too bad.","start":1027.87,"end":1029.5701,"sentiment":"neutral","sentiment_score":0.06451759487390518},{"text":"Normally, I'd expect it to be a little bit more, but it's sitting at $662.","start":1029.9501,"end":1035.945,"sentiment":"neutral","sentiment_score":-0.022200771421194077},{"text":"Last time I checked it, I think it was 500.","start":1035.945,"end":1038.105,"sentiment":"neutral","sentiment_score":-0.09570015668869018},{"text":"So it hasn't jumped up astronomically.","start":1038.105,"end":1039.885,"sentiment":"neutral","sentiment_score":-0.24760552992423376},{"text":"It hasn't doubled to a thousand dollars or anything like that.","start":1040.345,"end":1043.405,"sentiment":"neutral","sentiment_score":-0.2782927318052812}],"sentiment":"neutral","sentiment_score":-0.11353668329926829,"num_words":48,"start":1027.87,"end":1043.405},{"sentences":[{"text":"But I do just wanna check it with you because, obviously, that will chop off half of the mortgage.","start":1044.585,"end":1049.005,"sentiment":"neutral","sentiment_score":-0.17028201783173963},{"text":"Is that too little in terms of insurance?","start":1049.59,"end":1052.3099,"sentiment":"neutral","sentiment_score":-0.2624528706073761},{"text":"Is that too much?","start":1052.3099,"end":1053.19,"sentiment":"neutral","sentiment_score":-0.22996075823903084},{"text":"Are you do you still value them?","start":1053.19,"end":1054.97,"sentiment":"neutral","sentiment_score":-0.1376922886286463},{"text":"Yeah.","start":1071.765,"end":1072.085,"sentiment":"neutral","sentiment_score":-0.1544365435838699}],"sentiment":"neutral","sentiment_score":-0.18905402309237382,"num_words":39,"start":1044.585,"end":1072.085},{"sentences":[{"text":"There's no point, like, trying to change providers if they can't give you that replacement cover, so we've got to kind of keep the Ascender one.","start":1072.085,"end":1078.16,"sentiment":"neutral","sentiment_score":-0.3182064352127222},{"text":"Yeah.","start":1087.18,"end":1087.68,"sentiment":"neutral","sentiment_score":-0.14055809378623962},{"text":"And that'll make it trickier to increase as well.","start":1105.13,"end":1107.69,"sentiment":"negative","sentiment_score":-0.4080135060681237},{"text":"Like, if we were trying to make it higher to cover the full mortgage, they probably wouldn't do that increase either.","start":1107.69,"end":1114.6699,"sentiment":"neutral","sentiment_score":-0.1785388205732618},{"text":"Yep.","start":1115.6849,"end":1116.1849,"sentiment":"neutral","sentiment_score":-0.06144028529524803}],"sentiment":"neutral","sentiment_score":-0.2740828014011013,"num_words":58,"start":1072.085,"end":1116.1849},{"sentences":[{"text":"So for now, let's just sort of keep it going as long as it becomes affordable.","start":1116.245,"end":1120.105,"sentiment":"neutral","sentiment_score":0.054505495354533195},{"text":"And then if it becomes unaffordable, we'll talk about when we start to trim it down.","start":1120.325,"end":1125.225,"sentiment":"neutral","sentiment_score":-0.17163735395297408},{"text":"Okay.","start":1126.9,"end":1127.3,"sentiment":"neutral","sentiment_score":0.202942818403244},{"text":"Perfect.","start":1127.3,"end":1127.78,"sentiment":"positive","sentiment_score":0.5439282655715942},{"text":"Perfect.","start":1127.78,"end":1128.26,"sentiment":"positive","sentiment_score":0.5061194896697998}],"sentiment":"neutral","sentiment_score":-0.01774626182658332,"num_words":35,"start":1116.245,"end":1128.26},{"sentences":[{"text":"Alright.","start":1128.26,"end":1128.76,"sentiment":"neutral","sentiment_score":0.32841676473617554},{"text":"So I'll put another little flag on there just to make sure that every time you get that anniversary, we'll keep an eye on those premiums there.","start":1128.82,"end":1136.58,"sentiment":"neutral","sentiment_score":0.18472490542464787},{"text":"Because once you hit the the fifties, it can go up quite quickly.","start":1136.58,"end":1141.16,"sentiment":"neutral","sentiment_score":0.058285536674352795},{"text":"And I've seen some people where, you know, a thousand dollars becomes $8,000 in a matter of five or six years.","start":1141.675,"end":1147.755,"sentiment":"neutral","sentiment_score":-0.0038036416905621686},{"text":"So Premium is going up.","start":1147.755,"end":1164.43,"sentiment":"neutral","sentiment_score":-0.006133915483951568}],"sentiment":"neutral","sentiment_score":0.08900231544845807,"num_words":67,"start":1128.26,"end":1164.43},{"sentences":[{"text":"Yeah.","start":1165.545,"end":1166.045,"sentiment":"neutral","sentiment_score":-0.028436753898859024},{"text":"See, that's where I wanna be a little bit different with Oakview.","start":1172.505,"end":1175.545,"sentiment":"neutral","sentiment_score":-0.013092235972483953},{"text":"We wanna keep an eye on this because while it's nice to have that there to cover as much of the mortgage as possible, if it starts jumping up to $34,000, we're gonna have to have that conversation about how much is too much.","start":1175.545,"end":1187.9401,"sentiment":"neutral","sentiment_score":-0.10956275789067149},{"text":"Yep.","start":1189.92,"end":1190.42,"sentiment":"neutral","sentiment_score":-0.12417320907115936},{"text":"So 662 is not too bad at the moment, but we'll keep a close eye on it.","start":1192.0,"end":1196.985,"sentiment":"neutral","sentiment_score":0.04999558934394051}],"sentiment":"neutral","sentiment_score":-0.0570740416397651,"num_words":75,"start":1165.545,"end":1196.985},{"sentences":[{"text":"And the next anniversary until May of next year.","start":1196.985,"end":1199.8049,"sentiment":"neutral","sentiment_score":0.021443080570962694},{"text":"Perfect.","start":1202.4249,"end":1202.9249,"sentiment":"positive","sentiment_score":0.33645179867744446},{"text":"Okay.","start":1203.145,"end":1203.645,"sentiment":"neutral","sentiment_score":0.18990303575992584},{"text":"So we'll stay high growth.","start":1204.1849,"end":1206.985,"sentiment":"neutral","sentiment_score":0.32831144630908965},{"text":"We'll keep the portfolio going within Hub for the time being.","start":1206.985,"end":1210.6849,"sentiment":"neutral","sentiment_score":0.24129344793883237}],"sentiment":"neutral","sentiment_score":0.1857454710536533,"num_words":27,"start":1196.985,"end":1210.6849},{"sentences":[{"text":"I'll have another chat with you about the investments and the risk level on our next review.","start":1210.97,"end":1216.67,"sentiment":"neutral","sentiment_score":0.02789753456326092},{"text":"Do you prefer to do a bit more contact throughout the year?","start":1216.97,"end":1220.5701,"sentiment":"neutral","sentiment_score":0.018162134957189362},{"text":"We can do six monthly or quarterly, or do you just prefer that twelve month annual review?","start":1220.5701,"end":1225.365,"sentiment":"neutral","sentiment_score":0.02401485710459597},{"text":"Yep.","start":1231.045,"end":1231.205,"sentiment":"neutral","sentiment_score":0.16131606698036194},{"text":"No worries.","start":1231.205,"end":1231.6849,"sentiment":"neutral","sentiment_score":0.16326657682657242}],"sentiment":"neutral","sentiment_score":0.03241439792802747,"num_words":49,"start":1210.97,"end":1231.6849},{"sentences":[{"text":"So if anything does pop up in between, any concerns or anything you would like to talk to us about, please just call through and book in the chat, but we'll keep an eye on things.","start":1231.6849,"end":1240.5499,"sentiment":"neutral","sentiment_score":0.09019646607339382},{"text":"And then at that review, we'll have that next risk discussion as well.","start":1240.5499,"end":1244.49,"sentiment":"neutral","sentiment_score":0.09464423874249825},{"text":"Perfect.","start":1246.39,"end":1246.87,"sentiment":"positive","sentiment_score":0.6097902655601501},{"text":"So at the moment, I'll send out those beneficiary forms, get those sorted with you.","start":1246.87,"end":1252.545,"sentiment":"neutral","sentiment_score":0.21783670981725056},{"text":"There's that reminder just when life does slow down a little bit.","start":1253.3451,"end":1256.385,"sentiment":"neutral","sentiment_score":0.002602810195336739}],"sentiment":"neutral","sentiment_score":0.10890938334360525,"num_words":77,"start":1231.6849,"end":1256.385},{"sentences":[{"text":"If it does, we'll get the will and everything organized.","start":1256.385,"end":1258.7051,"sentiment":"neutral","sentiment_score":0.14363138228654862},{"text":"But for now, there's a lot to do in terms of the renovation, savings, and the mortgage.","start":1258.7051,"end":1263.525,"sentiment":"neutral","sentiment_score":0.033021840814720184},{"text":"Cool.","start":1265.4401,"end":1265.9401,"sentiment":"positive","sentiment_score":0.3418278694152832},{"text":"Bob, the other thing that's in that review pack with you, so you've got the super, the insurance, the financial services guide.","start":1266.4801,"end":1272.8201,"sentiment":"neutral","sentiment_score":0.21869553083723242},{"text":"We've included the updated service agreement with you as well.","start":1272.88,"end":1276.42,"sentiment":"neutral","sentiment_score":0.19920874983072281}],"sentiment":"neutral","sentiment_score":0.15238170271428922,"num_words":60,"start":1256.385,"end":1276.42},{"sentences":[{"text":"So in order to remain advisers, we do need you to sign off on consent for us to be on your account to be able to make the changes and look after things.","start":1276.56,"end":1284.965,"sentiment":"neutral","sentiment_score":0.09353841671889479},{"text":"I just wanted to ask you if you were still happy with our services.","start":1285.105,"end":1287.845,"sentiment":"neutral","sentiment_score":0.09016934303300721},{"text":"Cool.","start":1290.3201,"end":1290.8201,"sentiment":"positive","sentiment_score":0.6110836267471313},{"text":"Now just a bit of a heads up.","start":1292.3201,"end":1294.0,"sentiment":"neutral","sentiment_score":0.01840513153001666},{"text":"So the fees haven't changed this year.","start":1294.0,"end":1296.3201,"sentiment":"neutral","sentiment_score":-0.04738457554153034}],"sentiment":"neutral","sentiment_score":0.0758058921330505,"num_words":63,"start":1276.56,"end":1296.3201},{"sentences":[{"text":"It's still the 1.5% capped at 600,000, but we will be bringing in a bit of a tiered structure soon so that once you go above 200,000, they'll start to be discounts applied next year.","start":1296.3201,"end":1309.0751,"sentiment":"neutral","sentiment_score":0.04839321694203785},{"text":"So we're just trying to step things down for people as they get to a higher balance.","start":1309.2151,"end":1313.555,"sentiment":"neutral","sentiment_score":0.0016072116353932548},{"text":"K?","start":1315.2151,"end":1315.6951,"sentiment":"neutral","sentiment_score":0.016452405601739883},{"text":"So this one will be the same.","start":1315.6951,"end":1317.135,"sentiment":"neutral","sentiment_score":0.02316133358648845},{"text":"The next one, there should be some discounts there.","start":1317.135,"end":1319.295,"sentiment":"neutral","sentiment_score":0.13815182447433472}],"sentiment":"neutral","sentiment_score":0.04555120799636495,"num_words":69,"start":1296.3201,"end":1319.295},{"sentences":[{"text":"But when we get that next financial services guide, we'll send that through to you as well.","start":1319.295,"end":1323.3999,"sentiment":"neutral","sentiment_score":0.12106183609541725},{"text":"Amazing.","start":1325.22,"end":1325.62,"sentiment":"positive","sentiment_score":0.7577641010284424},{"text":"Any questions for me before I let you go?","start":1325.62,"end":1327.64,"sentiment":"neutral","sentiment_score":0.2572431614001592},{"text":"Amazing, Bob.","start":1331.635,"end":1332.195,"sentiment":"positive","sentiment_score":0.6916564702987671},{"text":"Well, thank you so much for your time.","start":1332.195,"end":1334.035,"sentiment":"positive","sentiment_score":0.7228637635707855}],"sentiment":"neutral","sentiment_score":0.332357481524751,"num_words":37,"start":1319.295,"end":1334.035},{"sentences":[{"text":"If you can have a look at that email when you get a chance, we will post out that pack.","start":1334.035,"end":1338.995,"sentiment":"neutral","sentiment_score":0.26598723977804184},{"text":"And, again, any questions, just call back.","start":1338.995,"end":1341.417,"sentiment":"neutral","sentiment_score":0.14598390140703746},{"text":"Thank you, Bob.","start":1344.297,"end":1344.937,"sentiment":"positive","sentiment_score":0.7296525041262308},{"text":"Have a fantastic day.","start":1344.937,"end":1346.317,"sentiment":"positive","sentiment_score":0.708649069070816},{"text":"Bye.","start":1348.057,"end":1348.557,"sentiment":"neutral","sentiment_score":0.22035811841487885}],"sentiment":"neutral","sentiment_score":0.3310155432139124,"num_words":35,"start":1334.035,"end":1348.557}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? Yeah. It's pretty cool here too. Yep. Yeah. Yeah. I can do that. Yeah. Just walk me through what's coming. Yeah. '20 3rd of the 5th 75323 Burramble Road, Burramble. Yeah. That's fine. Yep. That's fine. Yep. Not really. No. Just how it's going, I guess. Yeah. Yes. I was. I've I've talked to I've now set her up with Australian Super. Yeah. So I'll do that for a bit, I think, until she gets some money behind her. Yes. Yes. Yep. Yeah. Yeah. At this stage, I'd yeah. I'm just sort of seeing where where I'm at, that's all, when I get to there. Yes. Yep. Yeah. Yeah. Yep. Yep. No. That's the same. Yeah. Probably. I would say that's the way we'll go. Mhmm. We've got, yeah, the car and the trucks and another truck. And now that the savings have reduced because we put that money into our home and do some renovations. Yeah. We still got a couple couple of things to finish off, like flooring and a bit of the kitchen and stuff like that. Yeah. That we're still waiting waiting to finish, but, yeah, it's getting there. We're probably looking at another 15, I think. 15,000 on that by the time that's all completed. We're nearly we're nearly finished with the house. It's just basically the flooring, just the kitchen. Like, we've gotta change where our air con is, you know, that type of thing, and and just finish off those bits and pieces in there. So, yeah, it's not an awful lot to do, but still some. Yeah. We probably I'd probably say $30.35. Oh, a fair bit, actually. We probably got about 10,000 left in that savings just to yeah. But not sort of finishing. Yeah. We're trying to build that up a bit more before we finish off the house. Not so much at the moment because my husband's just he'd had to have five weeks off like he was working. He had, like, his regular casual job that he was doing as a contractor, and then they put him off just suddenly. So we he had about five weeks where he was sort of really not had a whole lot of work, but he's now gone into something that, you know, he he now has that. So it's put us behind a little bit. Yeah. So we're just trying to build that back up now from now. So yeah. Yeah. Yeah. Mhmm. No. Not really. So I work for the Department of Education yeah. The Department of Education. And I also work for a not for profit preschool, Wares Creek Preschool. Yeah. Yeah. So one is one is from the department. Yeah. And one's a yeah. That one. Sorry. Yep. Mhmm. No. Not no. One's a bit higher. So the one I work three days for the department and two days for the other place. So, yeah, that's where it's That's correct. Yes. Not yet. No. We've had a few things going on. So, yeah, it's been a bit busy for us. Yeah. Yeah. We've been really busy too with things, so we've sort of yeah. It's just been yeah. It's been crazy. Yeah. Righto. Yep. Yeah. I'll just put it to my husband at this stage because the kids are a bit too young. Yes. I'll do it for every three years, I think, just so we can keep up to date on it. Yeah. Not that it'll probably won't change, but, you know, it's probably better to to just do a double check. Yep. Yep. Yeah. I'll probably do it binding, I think, just so it's all right. Yes. Yes. Probably print them out and send them to me. Because then I'll yeah. I'm able to do that then. I'll just yeah. Otherwise, it just gets a bit you know, it it gets clogged up in my emails and it gets lost. Yeah. I can just add those in when it comes. That's fine. Yep. Yep. Yep. No problem. I'm just waiting for the reviews at the moment. Yep. Yep. Mhmm. Yeah. Yep. Mhmm. Alright. Mhmm. Oh, good. Excellent. Yes. Yep. Yep. Right. Yep. Mhmm. Right. Yep. Well, that's great. Mhmm. Yep. Mhmm. Mhmm. Yeah. Yeah. Mhmm. Well, yeah. I wanna get as much as I can, but I don't wanna lose it either. So Yep. Yeah. So it's probably better to keep as is for just the moment. Yeah. Yes. Yes. Yep. Mhmm. Yep. Because I may even work beyond 60 yet. I don't know. So yeah. No. More than likely, I will be working beyond 60. Okay. Yeah. Yep. Yep. So I'll probably be gonna be working for as long as I can at this stage and just yeah. Yeah. If I want to. Yeah. When I want to. Yep. Yep. Yep. Yep. Mhmm. Yep. Yes. Yep. Mhmm. Yep. Mhmm. Yeah. Well, when it comes to the life insurance type thing, I can't we've looked at changing that before, but because I have rheumatoid arthritis, it's it's not gonna I'm not gonna be able to change it. No. They can't. Because yeah. I got I had I was diagnosed after I set it up. So they said to, you know, like, the thing has been to sort of leave it because we have we have looked at it. But because I now have this diagnosis, they, you know, it's not sorta an option for me. Yeah. Yeah. I don't think it's gonna happen. No. Yep. Yeah. Yep. Yep. Yeah. And that that kinda happened with my husband. It took, like, I don't know how it worked, but, you know, the super he did have all was taken because of, you know, some choices that were made or some advice that we were given. And the premiums just went sky high, and they just paid it. And it just took all of his super. Yeah. Yeah. Exactly. And we don't wanna fall into that again. Yep. Yeah. Yep. And then we'll check it then. Yeah. Mhmm. I think the twelve months is probably okay at the moment. Yeah. Yep. Yep. Okay. Sounds good. Mhmm. Yes. Yes. Yes. Yes. Yes. Nice. Happy with your service. Yeah. Mhmm. Mhmm. Right. Yep. Okay. Mhmm. Yep. Sounds good. No. No. I think I'm pretty good. Thank you. Yep. No worries. Thank you so much. You too. Thank you. See you later. Bye.","confidence":0.99316406,"words":[{"word":"hello","start":0.56,"end":1.06,"confidence":0.9782715,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.019626306369900703},{"word":"good","start":6.56,"end":6.96,"confidence":0.89331055,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.32421618700027466},{"word":"how","start":6.96,"end":7.12,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2236432582139969},{"word":"are","start":7.12,"end":7.3599997,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17303258180618286},{"word":"you","start":7.3599997,"end":7.8599997,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2751756012439728},{"word":"yeah","start":12.799999,"end":13.12,"confidence":0.8691406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3048062026500702},{"word":"it's","start":13.12,"end":13.36,"confidence":0.9921875,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.478179395198822},{"word":"pretty","start":13.36,"end":13.599999,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.526271641254425},{"word":"cool","start":13.599999,"end":13.92,"confidence":0.97998047,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.5307847261428833},{"word":"here","start":13.92,"end":14.16,"confidence":0.99609375,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.6271077394485474},{"word":"too","start":14.16,"end":14.66,"confidence":0.98339844,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5493031740188599},{"word":"yep","start":17.105,"end":17.605,"confidence":0.7536621,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09202110767364502},{"word":"yeah","start":21.585,"end":21.904999,"confidence":0.9199219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08167719841003418},{"word":"yeah","start":21.904999,"end":22.145,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1206417679786682},{"word":"i","start":22.145,"end":22.305,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1915014684200287},{"word":"can","start":22.305,"end":22.545,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17998981475830078},{"word":"do","start":22.545,"end":22.705,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1764693260192871},{"word":"that","start":22.705,"end":23.205,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2345273196697235},{"word":"yeah","start":37.32,"end":37.48,"confidence":0.89453125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03086335770785809},{"word":"just","start":37.48,"end":37.8,"confidence":0.9951172,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.035314369946718216},{"word":"walk","start":37.8,"end":37.96,"confidence":0.99316406,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.03961646556854248},{"word":"me","start":37.96,"end":38.2,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03750145062804222},{"word":"through","start":38.2,"end":38.44,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.029202258214354515},{"word":"what's","start":38.44,"end":38.68,"confidence":0.99853516,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.02402035892009735},{"word":"coming","start":38.68,"end":39.18,"confidence":0.9995117,"punctuated_word":"coming.","sentiment":"neutral","sentiment_score":0.038553636521101},{"word":"yeah","start":45.96,"end":46.455,"confidence":0.9147949,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02787049487233162},{"word":"'20","start":48.615,"end":49.015003,"confidence":0.9716797,"punctuated_word":"'20","sentiment":"neutral","sentiment_score":0.008801874704658985},{"word":"3rd","start":49.015003,"end":49.255,"confidence":0.9941406,"punctuated_word":"3rd","sentiment":"neutral","sentiment_score":0.01627599075436592},{"word":"of","start":49.255,"end":49.495003,"confidence":0.9633789,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00972701981663704},{"word":"the","start":49.495003,"end":49.575,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018526820465922356},{"word":"5th","start":49.575,"end":49.975002,"confidence":0.9892578,"punctuated_word":"5th","sentiment":"neutral","sentiment_score":0.028689438477158543},{"word":"75323","start":49.975002,"end":52.375,"confidence":0.80864257,"punctuated_word":"75323","sentiment":"neutral","sentiment_score":0.030239451676607132},{"word":"burramble","start":52.375,"end":52.875,"confidence":0.6612956,"punctuated_word":"Burramble","sentiment":"neutral","sentiment_score":0.021768730133771896},{"word":"road","start":52.935,"end":53.335003,"confidence":0.9226074,"punctuated_word":"Road,","sentiment":"neutral","sentiment_score":0.02170415222644806},{"word":"burramble","start":53.335003,"end":53.835003,"confidence":0.9975586,"punctuated_word":"Burramble.","sentiment":"neutral","sentiment_score":0.030802477151155472},{"word":"yeah","start":57.495003,"end":57.735,"confidence":0.9892578,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04422890394926071},{"word":"that's","start":57.735,"end":58.055,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07488761097192764},{"word":"fine","start":58.055,"end":58.555,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.08839251846075058},{"word":"yep","start":67.61,"end":68.01,"confidence":0.85961914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05138628929853439},{"word":"that's","start":68.01,"end":68.33,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10158171504735948},{"word":"fine","start":68.33,"end":68.83,"confidence":0.9980469,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.15548136830329895},{"word":"yep","start":84.045,"end":84.545,"confidence":0.67004395,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.049483612179756165},{"word":"not","start":89.479996,"end":89.799995,"confidence":0.8803711,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.057962000370025635},{"word":"really","start":89.799995,"end":90.2,"confidence":0.9736328,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.06204010546207428},{"word":"no","start":90.2,"end":90.52,"confidence":0.98999023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07309502363204956},{"word":"just","start":90.52,"end":90.84,"confidence":0.9194336,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.06586471945047379},{"word":"how","start":90.84,"end":91.08,"confidence":0.8964844,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.04293416440486908},{"word":"it's","start":91.08,"end":91.32,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02273214235901833},{"word":"going","start":91.32,"end":91.64,"confidence":0.97631836,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":-0.005075201392173767},{"word":"i","start":91.64,"end":91.799995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03827178105711937},{"word":"guess","start":91.799995,"end":92.299995,"confidence":0.99609375,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.02672729268670082},{"word":"yeah","start":95.72,"end":96.22,"confidence":0.65966797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05102038010954857},{"word":"yes","start":97.08,"end":97.58,"confidence":0.6916504,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0609252005815506},{"word":"i","start":103.305,"end":103.545006,"confidence":0.9301758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05406387522816658},{"word":"was","start":103.545006,"end":104.045006,"confidence":0.9238281,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":0.03651459887623787},{"word":"i've","start":104.105,"end":104.58501,"confidence":0.8881836,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.028439557179808617},{"word":"i've","start":104.58501,"end":105.08501,"confidence":0.94311523,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.023140212520956993},{"word":"talked","start":105.225006,"end":105.705,"confidence":0.6308594,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.04454987496137619},{"word":"to","start":105.705,"end":105.865005,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05213341861963272},{"word":"i've","start":106.105,"end":106.505005,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06779740750789642},{"word":"now","start":106.505005,"end":107.005005,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.07446344196796417},{"word":"set","start":107.225006,"end":107.545006,"confidence":0.99609375,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.06325870752334595},{"word":"her","start":107.545006,"end":107.865005,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.06886076182126999},{"word":"up","start":107.865005,"end":108.365005,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08653673529624939},{"word":"with","start":108.425,"end":108.925,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08652758598327637},{"word":"australian","start":109.785,"end":110.285,"confidence":0.99609375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.08921584486961365},{"word":"super","start":110.505005,"end":111.005005,"confidence":0.83618164,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.09415645897388458},{"word":"yeah","start":112.979996,"end":113.38,"confidence":0.8232422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.049416352063417435},{"word":"so","start":113.38,"end":113.85999,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1773582547903061},{"word":"i'll","start":113.85999,"end":113.939995,"confidence":0.9916992,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18619763851165771},{"word":"do","start":113.939995,"end":114.17999,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23856616020202637},{"word":"that","start":114.17999,"end":114.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21089430153369904},{"word":"for","start":114.34,"end":114.579994,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1686825454235077},{"word":"a","start":114.579994,"end":114.659996,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14785286784172058},{"word":"bit","start":114.659996,"end":114.899994,"confidence":0.8762207,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.1486750841140747},{"word":"i","start":114.899994,"end":115.06,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1419167518615723},{"word":"think","start":115.06,"end":115.38,"confidence":0.9748535,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.14793318510055542},{"word":"until","start":115.38,"end":115.7,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.13992945849895477},{"word":"she","start":115.7,"end":115.85999,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.1579466164112091},{"word":"gets","start":115.85999,"end":116.17999,"confidence":0.97998047,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.14655309915542605},{"word":"some","start":116.17999,"end":116.34,"confidence":0.91259766,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.126649409532547},{"word":"money","start":116.34,"end":116.84,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.13605691492557526},{"word":"behind","start":117.85999,"end":118.17999,"confidence":0.99609375,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":0.1554410606622696},{"word":"her","start":118.17999,"end":118.67999,"confidence":0.9633789,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":0.17735373973846436},{"word":"yes","start":129.155,"end":129.655,"confidence":0.8093262,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2386135756969452},{"word":"yes","start":131.635,"end":132.135,"confidence":0.7788086,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.26956355571746826},{"word":"yep","start":139.715,"end":140.215,"confidence":0.9797363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29421842098236084},{"word":"yeah","start":156.21,"end":156.675,"confidence":0.8630371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06803618371486664},{"word":"yeah","start":160.755,"end":161.255,"confidence":0.97387695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.037019096314907074},{"word":"at","start":161.395,"end":161.55501,"confidence":0.99316406,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.007776085287332535},{"word":"this","start":161.55501,"end":161.875,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.01702602207660675},{"word":"stage","start":161.875,"end":162.375,"confidence":0.8864746,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":-0.0012013483792543411},{"word":"i'd","start":162.435,"end":162.755,"confidence":0.8886719,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.01118622999638319},{"word":"yeah","start":163.155,"end":163.655,"confidence":0.99365234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.009391045197844504},{"word":"i'm","start":163.715,"end":163.955,"confidence":0.98706055,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.00839014258235693},{"word":"just","start":163.955,"end":164.27501,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.015399746596813202},{"word":"sort","start":164.27501,"end":164.77501,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.008400410413742065},{"word":"of","start":165.475,"end":165.975,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01913074404001236},{"word":"seeing","start":166.035,"end":166.435,"confidence":0.9267578,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.02229895442724228},{"word":"where","start":166.435,"end":166.935,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03464314341545105},{"word":"where","start":167.075,"end":167.395,"confidence":0.9921875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.02604122832417488},{"word":"i'm","start":167.395,"end":167.55501,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03255721554160118},{"word":"at","start":167.55501,"end":167.795,"confidence":0.779541,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.019865117967128754},{"word":"that's","start":167.795,"end":168.035,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0014211436500772834},{"word":"all","start":168.035,"end":168.355,"confidence":0.97094727,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.006215255707502365},{"word":"when","start":168.355,"end":168.595,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0017136000096797943},{"word":"i","start":168.595,"end":168.675,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024053335189819336},{"word":"get","start":168.675,"end":168.91501,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.015079855918884276},{"word":"to","start":168.91501,"end":169.075,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01258578523993492},{"word":"there","start":169.075,"end":169.575,"confidence":0.90844727,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.029727626591920853},{"word":"yes","start":177.57,"end":178.07,"confidence":0.8391113,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02576299011707306},{"word":"yep","start":181.81,"end":182.31,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.050851792097091675},{"word":"yeah","start":182.53,"end":183.03,"confidence":0.90478516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0673706978559494},{"word":"yeah","start":200.34,"end":200.81999,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10845104604959488},{"word":"yep","start":200.81999,"end":201.31999,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1734979748725891},{"word":"yep","start":210.9,"end":211.4,"confidence":0.80737305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08518467843532562},{"word":"no","start":223.74501,"end":224.145,"confidence":0.96875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14438818395137787},{"word":"that's","start":224.145,"end":224.465,"confidence":0.9885254,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08487691730260849},{"word":"the","start":224.465,"end":224.625,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10184891521930696},{"word":"same","start":224.625,"end":225.125,"confidence":0.89038086,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.06028619781136513},{"word":"yeah","start":236.04,"end":236.51999,"confidence":0.9892578,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1283721625804901},{"word":"probably","start":236.51999,"end":237.01999,"confidence":0.91845703,"punctuated_word":"Probably.","sentiment":"neutral","sentiment_score":0.16014359891414642},{"word":"i","start":237.23999,"end":237.4,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18158408999443057},{"word":"would","start":237.4,"end":237.64,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1762998402118683},{"word":"say","start":237.64,"end":237.79999,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1935026049613953},{"word":"that's","start":237.79999,"end":238.04,"confidence":0.982666,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.22401636838912964},{"word":"the","start":238.04,"end":238.2,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22699406743049624},{"word":"way","start":238.2,"end":238.36,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.19611774384975433},{"word":"we'll","start":238.36,"end":238.59999,"confidence":0.9404297,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.260349303483963},{"word":"go","start":238.59999,"end":239.09999,"confidence":0.99902344,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.26246097683906555},{"word":"mhmm","start":247.295,"end":247.795,"confidence":0.967041,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1722099930047989},{"word":"we've","start":250.015,"end":250.495,"confidence":0.94555664,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.0729960948228836},{"word":"got","start":250.495,"end":250.995,"confidence":0.967041,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.05783691629767418},{"word":"yeah","start":253.17001,"end":253.49,"confidence":0.9970703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06778920441865921},{"word":"the","start":253.49,"end":253.65001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08910620212554932},{"word":"car","start":253.65001,"end":253.89,"confidence":0.9892578,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.0570959746837616},{"word":"and","start":253.89,"end":254.13,"confidence":0.83251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05810609087347984},{"word":"the","start":254.13,"end":254.21,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06527957320213318},{"word":"trucks","start":254.21,"end":254.71,"confidence":0.57421875,"punctuated_word":"trucks","sentiment":"neutral","sentiment_score":0.05060809850692749},{"word":"and","start":255.01001,"end":255.51001,"confidence":0.8413086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.049189768731594086},{"word":"another","start":255.65001,"end":256.15002,"confidence":0.82666016,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.0397007092833519},{"word":"truck","start":256.21002,"end":256.71002,"confidence":0.80493164,"punctuated_word":"truck.","sentiment":"neutral","sentiment_score":0.06924597918987274},{"word":"and","start":258.29,"end":258.79,"confidence":0.96777344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12720739841461182},{"word":"now","start":260.29,"end":260.53,"confidence":0.3708496,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.15766657888889313},{"word":"that","start":260.53,"end":261.03,"confidence":0.83447266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16507217288017273},{"word":"the","start":261.25,"end":261.49002,"confidence":0.9394531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21936461329460144},{"word":"savings","start":261.49002,"end":261.99002,"confidence":0.9951172,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.08979640901088715},{"word":"have","start":262.05002,"end":262.29,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1556379497051239},{"word":"reduced","start":262.29,"end":262.79,"confidence":0.99902344,"punctuated_word":"reduced","sentiment":"neutral","sentiment_score":0.13642877340316772},{"word":"because","start":263.65,"end":263.97,"confidence":0.48217773,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.135541170835495},{"word":"we","start":263.97,"end":264.13,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15452882647514343},{"word":"put","start":264.13,"end":264.37,"confidence":0.9370117,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1633671075105667},{"word":"that","start":264.37,"end":264.61002,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16697099804878235},{"word":"money","start":264.61002,"end":264.93,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.14093205332756042},{"word":"into","start":264.93,"end":265.33002,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17488864064216614},{"word":"our","start":265.33002,"end":265.49002,"confidence":0.9116211,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.14576934278011322},{"word":"home","start":265.49002,"end":265.99002,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.14007234573364258},{"word":"and","start":266.96503,"end":267.285,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03744225576519966},{"word":"do","start":267.285,"end":267.52502,"confidence":0.18713379,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.025239095091819763},{"word":"some","start":267.52502,"end":267.765,"confidence":0.98535156,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.037095945328474045},{"word":"renovations","start":267.765,"end":268.265,"confidence":0.7595215,"punctuated_word":"renovations.","sentiment":"neutral","sentiment_score":0.05780138075351715},{"word":"yeah","start":268.48502,"end":268.98502,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07729420065879822},{"word":"we","start":272.96503,"end":273.20502,"confidence":0.98535156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.01070457324385643},{"word":"still","start":273.20502,"end":273.445,"confidence":0.69921875,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02010772749781609},{"word":"got","start":273.445,"end":273.685,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.019657157361507416},{"word":"a","start":273.685,"end":273.845,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0163685604929924},{"word":"couple","start":273.845,"end":274.325,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.008629392832517624},{"word":"couple","start":274.325,"end":274.64502,"confidence":0.9716797,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.003303438425064087},{"word":"of","start":274.64502,"end":274.80502,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015285469591617584},{"word":"things","start":274.80502,"end":275.20502,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.013559810817241669},{"word":"to","start":275.20502,"end":275.36502,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009570077061653135},{"word":"finish","start":275.36502,"end":275.685,"confidence":1.0,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.017582815140485764},{"word":"off","start":275.685,"end":275.92502,"confidence":0.7583008,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.014725591987371445},{"word":"like","start":275.92502,"end":276.24503,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.017565984278917313},{"word":"flooring","start":276.24503,"end":276.725,"confidence":0.77905273,"punctuated_word":"flooring","sentiment":"neutral","sentiment_score":0.031529828906059265},{"word":"and","start":276.725,"end":277.225,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.018123451620340347},{"word":"a","start":277.605,"end":277.685,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03192633017897606},{"word":"bit","start":277.685,"end":277.92502,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0328315831720829},{"word":"of","start":277.92502,"end":278.08502,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03892823308706283},{"word":"the","start":278.08502,"end":278.165,"confidence":0.8911133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026780255138874057},{"word":"kitchen","start":278.165,"end":278.64502,"confidence":1.0,"punctuated_word":"kitchen","sentiment":"neutral","sentiment_score":0.028028851374983788},{"word":"and","start":278.64502,"end":278.885,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013138748705387115},{"word":"stuff","start":278.885,"end":279.20502,"confidence":1.0,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.016825109720230103},{"word":"like","start":279.20502,"end":279.36502,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.023541953414678577},{"word":"that","start":279.36502,"end":279.86502,"confidence":0.9091797,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.039580006152391434},{"word":"yeah","start":281.58002,"end":281.98,"confidence":0.98779297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.031188471242785457},{"word":"that","start":281.98,"end":282.14,"confidence":0.53466797,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.021212037652730945},{"word":"we're","start":282.14,"end":282.38,"confidence":0.74780273,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03881354257464409},{"word":"still","start":282.38,"end":282.62,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.00006195902824401855},{"word":"waiting","start":282.62,"end":283.12,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.016018860042095184},{"word":"waiting","start":283.18,"end":283.66,"confidence":0.98828125,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.02247762680053711},{"word":"to","start":283.66,"end":283.82,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013119123876094818},{"word":"finish","start":283.82,"end":284.22,"confidence":0.78759766,"punctuated_word":"finish,","sentiment":"neutral","sentiment_score":0.028692176565527916},{"word":"but","start":284.22,"end":284.72,"confidence":0.8725586,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.03317198157310486},{"word":"yeah","start":285.02002,"end":285.26,"confidence":0.9550781,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08973097801208496},{"word":"it's","start":285.26,"end":285.58002,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10680410265922546},{"word":"getting","start":285.58002,"end":285.82,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.09891490638256072},{"word":"there","start":285.82,"end":286.32,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0512935072183609},{"word":"we're","start":290.38,"end":290.7,"confidence":0.6809082,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.00251509016379714},{"word":"probably","start":290.7,"end":291.18,"confidence":0.9873047,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.010408669710159302},{"word":"looking","start":291.18,"end":291.5,"confidence":0.9902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.004715524613857269},{"word":"at","start":291.5,"end":291.66,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0047078803181648254},{"word":"another","start":291.66,"end":292.16,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.006777018308639526},{"word":"15","start":292.7,"end":293.2,"confidence":0.98657227,"punctuated_word":"15,","sentiment":"neutral","sentiment_score":0.02234692871570587},{"word":"i","start":293.26,"end":293.42,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009305153042078018},{"word":"think","start":293.42,"end":293.92,"confidence":0.8210449,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":-0.0012491531670093536},{"word":"15,000","start":294.17502,"end":294.99503,"confidence":0.9987793,"punctuated_word":"15,000","sentiment":"neutral","sentiment_score":0.036283545196056366},{"word":"on","start":295.05502,"end":295.295,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.045762065798044205},{"word":"that","start":295.295,"end":295.61502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03697261959314346},{"word":"by","start":295.61502,"end":295.77502,"confidence":0.921875,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.03021069243550301},{"word":"the","start":295.77502,"end":295.855,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02856430783867836},{"word":"time","start":295.855,"end":296.17502,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0518869124352932},{"word":"that's","start":296.17502,"end":296.49503,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05227432772517204},{"word":"all","start":296.49503,"end":296.99503,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0930887907743454},{"word":"completed","start":297.695,"end":298.195,"confidence":0.9975586,"punctuated_word":"completed.","sentiment":"neutral","sentiment_score":0.04131627082824707},{"word":"we're","start":299.93503,"end":300.17502,"confidence":0.99560547,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.46226251125335693},{"word":"nearly","start":300.17502,"end":300.67502,"confidence":0.99902344,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":0.31962940096855164},{"word":"we're","start":301.135,"end":301.375,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.3159883916378021},{"word":"nearly","start":301.375,"end":301.855,"confidence":1.0,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":0.28578537702560425},{"word":"finished","start":301.855,"end":302.17502,"confidence":0.99902344,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":0.2760702073574066},{"word":"with","start":302.17502,"end":302.415,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2958507537841797},{"word":"the","start":302.415,"end":302.49503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29162323474884033},{"word":"house","start":302.49503,"end":302.815,"confidence":0.96777344,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":0.29521575570106506},{"word":"it's","start":302.815,"end":302.975,"confidence":0.91015625,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14711228013038635},{"word":"just","start":302.975,"end":303.21503,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1758505403995514},{"word":"basically","start":303.21503,"end":303.695,"confidence":0.93847656,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11482243239879608},{"word":"the","start":303.695,"end":303.855,"confidence":0.89453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13430802524089813},{"word":"flooring","start":303.855,"end":304.355,"confidence":0.96761066,"punctuated_word":"flooring,","sentiment":"neutral","sentiment_score":0.11534175276756288},{"word":"just","start":306.89502,"end":307.295,"confidence":0.8833008,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1363336145877838},{"word":"the","start":307.295,"end":307.59,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15460623800754547},{"word":"kitchen","start":307.83,"end":308.23,"confidence":0.76049805,"punctuated_word":"kitchen.","sentiment":"neutral","sentiment_score":0.11902749538421632},{"word":"like","start":308.23,"end":308.55,"confidence":0.96240234,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.08348305523395538},{"word":"we've","start":308.55,"end":308.79,"confidence":0.9875488,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.09876721352338792},{"word":"gotta","start":308.79,"end":309.11,"confidence":0.7705078,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.08364689350128174},{"word":"change","start":309.11,"end":309.51,"confidence":0.99609375,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.10217399895191193},{"word":"where","start":309.51,"end":309.83,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.029168054461479187},{"word":"our","start":309.83,"end":309.99,"confidence":0.77978516,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07990191876888275},{"word":"air","start":309.99,"end":310.15,"confidence":0.9580078,"punctuated_word":"air","sentiment":"neutral","sentiment_score":0.06602266430854797},{"word":"con","start":310.15,"end":310.38998,"confidence":0.52734375,"punctuated_word":"con","sentiment":"neutral","sentiment_score":0.046333685517311096},{"word":"is","start":310.38998,"end":310.79,"confidence":0.921875,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.1121547520160675},{"word":"you","start":310.79,"end":310.94998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08659783750772476},{"word":"know","start":310.94998,"end":311.19,"confidence":0.99316406,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09488613158464432},{"word":"that","start":311.19,"end":311.43,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05231428146362305},{"word":"type","start":311.43,"end":311.66998,"confidence":0.98291016,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.001686897128820419},{"word":"of","start":311.66998,"end":311.83,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020479075610637665},{"word":"thing","start":311.83,"end":312.07,"confidence":0.74780273,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.03884823992848396},{"word":"and","start":312.07,"end":312.57,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03502717614173889},{"word":"and","start":312.63,"end":312.87,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03944539278745651},{"word":"just","start":312.87,"end":313.11,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.050511181354522705},{"word":"finish","start":313.11,"end":313.51,"confidence":0.9970703,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.05102146416902542},{"word":"off","start":313.51,"end":313.75,"confidence":0.89746094,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.060976531356573105},{"word":"those","start":313.75,"end":314.25,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0895281732082367},{"word":"bits","start":314.63,"end":314.94998,"confidence":0.9980469,"punctuated_word":"bits","sentiment":"neutral","sentiment_score":0.0845060646533966},{"word":"and","start":314.94998,"end":315.11,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03851472586393356},{"word":"pieces","start":315.11,"end":315.51,"confidence":0.99902344,"punctuated_word":"pieces","sentiment":"neutral","sentiment_score":0.05948285758495331},{"word":"in","start":315.51,"end":315.66998,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05762606859207153},{"word":"there","start":315.66998,"end":316.16998,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0738367885351181},{"word":"so","start":317.11,"end":317.43,"confidence":0.7824707,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05012200027704239},{"word":"yeah","start":317.43,"end":317.75,"confidence":0.9926758,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07303065061569214},{"word":"it's","start":317.75,"end":317.91,"confidence":0.82836914,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06199245899915695},{"word":"not","start":317.91,"end":318.15,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.021733008325099945},{"word":"an","start":318.15,"end":318.31,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.006121575832366943},{"word":"awful","start":318.31,"end":318.71,"confidence":1.0,"punctuated_word":"awful","sentiment":"neutral","sentiment_score":-0.04319456219673157},{"word":"lot","start":318.71,"end":318.94998,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.005853079259395599},{"word":"to","start":318.94998,"end":319.11,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020167812705039975},{"word":"do","start":319.11,"end":319.35,"confidence":0.9238281,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.029831547290086743},{"word":"but","start":319.35,"end":319.815,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05228619277477264},{"word":"still","start":320.375,"end":320.875,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1766015589237213},{"word":"some","start":331.73502,"end":332.23502,"confidence":0.9946289,"punctuated_word":"some.","sentiment":"neutral","sentiment_score":0.01833543181419373},{"word":"yeah","start":336.84003,"end":337.34003,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.036404088139534},{"word":"we","start":337.40002,"end":337.64,"confidence":0.91748047,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.023253221064805984},{"word":"probably","start":337.64,"end":338.12003,"confidence":0.46411133,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.027633659541606903},{"word":"i'd","start":340.44,"end":340.68002,"confidence":0.7495117,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.034683842211961746},{"word":"probably","start":340.68002,"end":341.08002,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.025881491601467133},{"word":"say","start":341.08002,"end":341.40002,"confidence":0.9970703,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.036570098251104355},{"word":"$30.35","start":341.40002,"end":343.58002,"confidence":0.84069824,"punctuated_word":"$30.35.","sentiment":"neutral","sentiment_score":0.0440785251557827},{"word":"oh","start":351.395,"end":351.715,"confidence":0.78393555,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.055151090025901794},{"word":"a","start":351.715,"end":351.955,"confidence":0.94140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.056205570697784424},{"word":"fair","start":351.955,"end":352.195,"confidence":0.9838867,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.042377814650535583},{"word":"bit","start":352.195,"end":352.435,"confidence":0.79541016,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.03819374367594719},{"word":"actually","start":352.435,"end":352.835,"confidence":0.9946289,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.01740404963493347},{"word":"we","start":352.835,"end":352.995,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.013734120875597},{"word":"probably","start":352.995,"end":353.315,"confidence":0.6489258,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.04386752098798752},{"word":"got","start":353.315,"end":353.555,"confidence":0.9902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03636819124221802},{"word":"about","start":353.555,"end":353.795,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05667100474238396},{"word":"10,000","start":353.795,"end":354.515,"confidence":1.0,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.1211046352982521},{"word":"left","start":354.515,"end":354.755,"confidence":0.9790039,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.05987577885389328},{"word":"in","start":354.755,"end":354.995,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0958605855703354},{"word":"that","start":354.995,"end":355.315,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15465132892131803},{"word":"savings","start":355.315,"end":355.815,"confidence":0.9970703,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.028031110763549805},{"word":"just","start":355.875,"end":356.195,"confidence":0.95410156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.047355275601148605},{"word":"to","start":356.195,"end":356.595,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.042722851037979126},{"word":"yeah","start":356.835,"end":357.335,"confidence":0.9916992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.021114377304911613},{"word":"but","start":358.595,"end":358.835,"confidence":0.4267578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.3290504515171051},{"word":"not","start":358.835,"end":359.235,"confidence":0.6542969,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.7283915281295776},{"word":"sort","start":359.235,"end":359.555,"confidence":0.65283203,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.572777509689331},{"word":"of","start":359.555,"end":359.715,"confidence":0.93408203,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5397078394889832},{"word":"finishing","start":359.715,"end":360.215,"confidence":0.38208008,"punctuated_word":"finishing.","sentiment":"negative","sentiment_score":-0.5718826055526733},{"word":"yeah","start":362.275,"end":362.595,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.047938063740730286},{"word":"we're","start":362.595,"end":362.835,"confidence":0.9975586,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.0432385727763176},{"word":"trying","start":362.835,"end":363.075,"confidence":0.9951172,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.08781453222036362},{"word":"to","start":363.075,"end":363.235,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09133076667785645},{"word":"build","start":363.235,"end":363.475,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.0054501742124557495},{"word":"that","start":363.475,"end":363.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06912815570831299},{"word":"up","start":363.635,"end":363.795,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07925626635551453},{"word":"a","start":363.795,"end":363.955,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06330297142267227},{"word":"bit","start":363.955,"end":364.195,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.054556794464588165},{"word":"more","start":364.195,"end":364.435,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.001617223024368286},{"word":"before","start":364.435,"end":364.755,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.06477369368076324},{"word":"we","start":364.755,"end":365.235,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0015373080968856812},{"word":"finish","start":365.235,"end":365.635,"confidence":0.99609375,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":-0.04671739786863327},{"word":"off","start":365.635,"end":365.795,"confidence":0.8881836,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.017874017357826233},{"word":"the","start":365.795,"end":365.955,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025169774889945984},{"word":"house","start":365.955,"end":366.33,"confidence":0.99658203,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":-0.017756815999746323},{"word":"not","start":376.25,"end":376.49,"confidence":0.7685547,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2262401580810547},{"word":"so","start":376.49,"end":376.72998,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2082514464855194},{"word":"much","start":376.72998,"end":376.96997,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.18391108512878415},{"word":"at","start":376.96997,"end":377.21,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.27219104766845703},{"word":"the","start":377.21,"end":377.37,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2468179315328598},{"word":"moment","start":377.37,"end":377.84998,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.28987157344818115},{"word":"because","start":377.84998,"end":378.34998,"confidence":0.7915039,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2430851310491562},{"word":"my","start":378.65,"end":378.81,"confidence":1.0,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.3675518929958343},{"word":"husband's","start":378.81,"end":379.31,"confidence":0.95092773,"punctuated_word":"husband's","sentiment":"neutral","sentiment_score":-0.2797909677028656},{"word":"just","start":379.53,"end":379.84998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2495805323123932},{"word":"he'd","start":380.25,"end":380.49,"confidence":0.93237305,"punctuated_word":"he'd","sentiment":"neutral","sentiment_score":-0.2822563648223877},{"word":"had","start":380.49,"end":380.65,"confidence":0.9902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2509635388851166},{"word":"to","start":380.65,"end":380.81,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.27356526255607605},{"word":"have","start":380.81,"end":381.12997,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.29161182045936584},{"word":"five","start":381.12997,"end":381.44998,"confidence":1.0,"punctuated_word":"five","sentiment":"negative","sentiment_score":-0.35118812322616577},{"word":"weeks","start":381.44998,"end":381.795,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.2900848984718323},{"word":"off","start":382.595,"end":382.83502,"confidence":0.96533203,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.27546411752700806},{"word":"like","start":382.83502,"end":383.075,"confidence":0.48901367,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2757452130317688},{"word":"he","start":383.075,"end":383.23502,"confidence":0.99316406,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.2770809233188629},{"word":"was","start":383.23502,"end":383.475,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.23317939043045044},{"word":"working","start":383.475,"end":383.875,"confidence":0.97680664,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":-0.24756033718585968},{"word":"he","start":383.875,"end":384.035,"confidence":0.9941406,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.25627613067626953},{"word":"had","start":384.035,"end":384.355,"confidence":0.9309082,"punctuated_word":"had,","sentiment":"neutral","sentiment_score":-0.1765603870153427},{"word":"like","start":384.355,"end":384.595,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.161235511302948},{"word":"his","start":384.595,"end":384.83502,"confidence":0.91748047,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.29084864258766174},{"word":"regular","start":384.83502,"end":385.33502,"confidence":0.99902344,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":-0.1810593456029892},{"word":"casual","start":385.39502,"end":385.875,"confidence":0.84716797,"punctuated_word":"casual","sentiment":"neutral","sentiment_score":-0.12973129749298096},{"word":"job","start":385.875,"end":386.375,"confidence":0.98535156,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.19406430423259735},{"word":"that","start":386.43503,"end":386.67502,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13336174190044403},{"word":"he","start":386.67502,"end":386.83502,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.21262216567993164},{"word":"was","start":386.83502,"end":386.99503,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15412524342536926},{"word":"doing","start":386.99503,"end":387.49503,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.18654800951480863},{"word":"as","start":388.595,"end":388.83502,"confidence":0.82128906,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09431332349777222},{"word":"a","start":388.83502,"end":388.99503,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10611019283533096},{"word":"contractor","start":388.99503,"end":389.49503,"confidence":0.90405273,"punctuated_word":"contractor,","sentiment":"neutral","sentiment_score":-0.0976603776216507},{"word":"and","start":389.635,"end":389.795,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1134910136461258},{"word":"then","start":389.795,"end":390.11502,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0849609449505806},{"word":"they","start":390.11502,"end":390.435,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.14660143852233887},{"word":"put","start":390.435,"end":390.67502,"confidence":0.97802734,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.184673935174942},{"word":"him","start":390.67502,"end":390.915,"confidence":1.0,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.2718401849269867},{"word":"off","start":390.915,"end":391.415,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2020457983016968},{"word":"just","start":392.67502,"end":392.99503,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2427642047405243},{"word":"suddenly","start":392.99503,"end":393.49503,"confidence":0.9909668,"punctuated_word":"suddenly.","sentiment":"neutral","sentiment_score":-0.23580989241600037},{"word":"so","start":394.56,"end":394.72,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13572406768798828},{"word":"we","start":394.72,"end":395.22,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1835373044013977},{"word":"he","start":396.32,"end":396.4,"confidence":0.6557617,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.23451197147369385},{"word":"had","start":396.4,"end":396.64,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2241857945919037},{"word":"about","start":396.64,"end":397.04,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.21940714120864868},{"word":"five","start":397.04,"end":397.44,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.23455318808555603},{"word":"weeks","start":397.44,"end":397.84,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.2165256142616272},{"word":"where","start":397.84,"end":398.08002,"confidence":0.9921875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.11075954884290697},{"word":"he","start":398.08002,"end":398.24002,"confidence":0.9453125,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.2245214283466339},{"word":"was","start":398.24002,"end":398.48,"confidence":0.90771484,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18975993990898132},{"word":"sort","start":398.48,"end":398.72,"confidence":0.97314453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.19853465259075165},{"word":"of","start":398.72,"end":399.12,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21488696336746216},{"word":"really","start":399.12,"end":399.6,"confidence":0.9716797,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1820435971021652},{"word":"not","start":399.6,"end":400.08002,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17626024782657623},{"word":"had","start":400.08002,"end":400.56,"confidence":0.94970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.23465895652770996},{"word":"a","start":400.56,"end":400.72,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.29474151134490967},{"word":"whole","start":400.72,"end":401.04,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.3065181374549866},{"word":"lot","start":401.04,"end":401.2,"confidence":0.99316406,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.27068623900413513},{"word":"of","start":401.2,"end":401.36002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29930514097213745},{"word":"work","start":401.36002,"end":401.86002,"confidence":0.892334,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.2735443115234375},{"word":"but","start":402.24002,"end":402.48,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.16455388069152832},{"word":"he's","start":402.48,"end":402.88,"confidence":0.9995117,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.23371510207653048},{"word":"now","start":402.88,"end":403.38,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.22287055850028992},{"word":"gone","start":403.44,"end":403.68,"confidence":0.93408203,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.24164284765720367},{"word":"into","start":403.68,"end":404.0,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.2041105180978775},{"word":"something","start":404.0,"end":404.48,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.21497184038162231},{"word":"that","start":404.48,"end":404.98,"confidence":0.8330078,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.14983469247817993},{"word":"you","start":405.2,"end":405.44,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15754371881484985},{"word":"know","start":405.44,"end":405.92,"confidence":0.9177246,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.14542871713638306},{"word":"he","start":405.92,"end":406.24002,"confidence":0.9980469,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.210455983877182},{"word":"he","start":406.24002,"end":406.48,"confidence":0.9941406,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.1890539526939392},{"word":"now","start":406.48,"end":406.98,"confidence":0.99609375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.17825986444950104},{"word":"has","start":407.2,"end":407.52002,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.20825324952602384},{"word":"that","start":407.52002,"end":407.84,"confidence":0.7783203,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.18983475863933563},{"word":"so","start":407.84,"end":408.0,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1116575002670288},{"word":"it's","start":408.0,"end":408.24002,"confidence":0.97094727,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1727639138698578},{"word":"put","start":408.24002,"end":408.48,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.18210892379283905},{"word":"us","start":408.48,"end":408.72,"confidence":0.9589844,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.26105254888534546},{"word":"behind","start":408.72,"end":409.2,"confidence":1.0,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":-0.21151244640350345},{"word":"a","start":409.2,"end":409.28,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.251860111951828},{"word":"little","start":409.28,"end":409.52002,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.12330623716115952},{"word":"bit","start":409.52002,"end":410.02002,"confidence":0.9970703,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.09254418313503264},{"word":"yeah","start":411.44498,"end":411.925,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04056823253631592},{"word":"so","start":411.925,"end":412.085,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0435340516269207},{"word":"we're","start":412.085,"end":412.32498,"confidence":0.99658203,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.04653561860322952},{"word":"just","start":412.32498,"end":412.485,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.057367950677871704},{"word":"trying","start":412.485,"end":412.805,"confidence":0.9892578,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.05923929810523987},{"word":"to","start":412.805,"end":412.88498,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08338979631662369},{"word":"build","start":412.88498,"end":413.205,"confidence":0.99902344,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.08908838778734207},{"word":"that","start":413.205,"end":413.365,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10465264320373537},{"word":"back","start":413.365,"end":413.525,"confidence":0.90722656,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.10597676783800124},{"word":"up","start":413.525,"end":413.76498,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08194142580032349},{"word":"now","start":413.76498,"end":414.005,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.0406767800450325},{"word":"from","start":414.16498,"end":414.485,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0836617574095726},{"word":"now","start":414.485,"end":414.985,"confidence":0.9785156,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.03610827401280403},{"word":"so","start":416.88498,"end":417.285,"confidence":0.93603516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21426567435264587},{"word":"yeah","start":417.365,"end":417.865,"confidence":0.98950195,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2589781880378723},{"word":"yeah","start":420.645,"end":421.145,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09768246114253998},{"word":"yeah","start":421.205,"end":421.705,"confidence":0.87768555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07113251090049744},{"word":"mhmm","start":432.28998,"end":432.78998,"confidence":0.99279785,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02274365723133087},{"word":"no","start":434.68997,"end":435.00998,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12994934618473053},{"word":"not","start":435.00998,"end":435.33,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.18083439767360687},{"word":"really","start":435.33,"end":435.83,"confidence":1.0,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.08846072852611542},{"word":"so","start":440.985,"end":441.305,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01190396398305893},{"word":"i","start":441.305,"end":441.465,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015852611511945724},{"word":"work","start":441.465,"end":441.865,"confidence":0.9560547,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.01806093379855156},{"word":"for","start":441.865,"end":442.365,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.007506448775529861},{"word":"the","start":442.665,"end":442.985,"confidence":0.80126953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0190146341919899},{"word":"department","start":442.985,"end":443.385,"confidence":0.81396484,"punctuated_word":"Department","sentiment":"neutral","sentiment_score":0.019368603825569153},{"word":"of","start":443.385,"end":443.625,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028747811913490295},{"word":"education","start":443.625,"end":444.125,"confidence":1.0,"punctuated_word":"Education","sentiment":"neutral","sentiment_score":0.02079063653945923},{"word":"yeah","start":448.28,"end":448.52002,"confidence":0.95947266,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04191984608769417},{"word":"the","start":448.52002,"end":448.68002,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.015792181715369225},{"word":"department","start":448.68002,"end":449.08002,"confidence":0.86328125,"punctuated_word":"Department","sentiment":"neutral","sentiment_score":0.016807276755571365},{"word":"of","start":449.08002,"end":449.32,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.031208250671625137},{"word":"education","start":449.32,"end":449.82,"confidence":0.75341797,"punctuated_word":"Education.","sentiment":"neutral","sentiment_score":0.03034939616918564},{"word":"and","start":451.24002,"end":451.56,"confidence":0.80615234,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0224139541387558},{"word":"i","start":451.56,"end":451.88,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02202753908932209},{"word":"also","start":451.88,"end":452.38,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.02174472063779831},{"word":"work","start":452.52002,"end":452.84003,"confidence":0.94140625,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.02284984104335308},{"word":"for","start":452.84003,"end":453.0,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0171789713203907},{"word":"a","start":453.0,"end":453.16,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026009537279605865},{"word":"not","start":453.16,"end":453.32,"confidence":0.9819336,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.020681269466876984},{"word":"for","start":453.32,"end":453.48,"confidence":0.9375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.010126646608114244},{"word":"profit","start":453.48,"end":453.96002,"confidence":0.9980469,"punctuated_word":"profit","sentiment":"neutral","sentiment_score":0.00015953928232192993},{"word":"preschool","start":453.96002,"end":454.46002,"confidence":0.8857422,"punctuated_word":"preschool,","sentiment":"neutral","sentiment_score":0.011930273845791817},{"word":"wares","start":454.68002,"end":455.0,"confidence":0.45593262,"punctuated_word":"Wares","sentiment":"neutral","sentiment_score":0.03305044770240784},{"word":"creek","start":455.0,"end":455.48,"confidence":0.9716797,"punctuated_word":"Creek","sentiment":"neutral","sentiment_score":0.04604172706604004},{"word":"preschool","start":455.48,"end":455.98,"confidence":0.9794922,"punctuated_word":"Preschool.","sentiment":"neutral","sentiment_score":0.05032571777701378},{"word":"yeah","start":460.76,"end":461.16,"confidence":0.9592285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013624481856822968},{"word":"yeah","start":461.16,"end":461.56,"confidence":0.78808594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011962872929871082},{"word":"so","start":461.56,"end":461.88,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009084533900022508},{"word":"one","start":461.88,"end":462.12003,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.011871708557009695},{"word":"is","start":462.12003,"end":462.36002,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.008090846240520477},{"word":"one","start":462.36002,"end":462.6,"confidence":0.98291016,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.007918056100606918},{"word":"is","start":462.6,"end":462.76,"confidence":0.96972656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.005429185926914215},{"word":"from","start":462.76,"end":463.0,"confidence":0.9873047,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0011078082025051117},{"word":"the","start":463.0,"end":463.16,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0008599571883678436},{"word":"department","start":463.16,"end":463.66,"confidence":0.9147949,"punctuated_word":"department.","sentiment":"neutral","sentiment_score":-0.004012242890894413},{"word":"yeah","start":464.79498,"end":465.195,"confidence":0.9589844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012965109199285507},{"word":"and","start":465.195,"end":465.51498,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.003819795325398445},{"word":"one's","start":465.51498,"end":466.01498,"confidence":0.9785156,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.0048964256420731544},{"word":"a","start":466.475,"end":466.975,"confidence":0.90527344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00713457353413105},{"word":"yeah","start":470.235,"end":470.715,"confidence":0.9814453,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.001736607402563095},{"word":"that","start":470.715,"end":471.215,"confidence":0.9580078,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.007903346791863441},{"word":"one","start":471.835,"end":472.155,"confidence":0.8112793,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.01694786734879017},{"word":"sorry","start":472.155,"end":472.655,"confidence":0.9812012,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.05036371201276779},{"word":"yep","start":474.79498,"end":475.29498,"confidence":0.88549805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.033965058624744415},{"word":"mhmm","start":477.435,"end":477.935,"confidence":0.8798828,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.014294778928160667},{"word":"no","start":486.73,"end":487.05,"confidence":0.9094238,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10678216069936752},{"word":"not","start":487.05,"end":487.45,"confidence":0.7709961,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1941308230161667},{"word":"no","start":487.77,"end":488.09,"confidence":0.99121094,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.14961427450180054},{"word":"one's","start":488.09,"end":488.41,"confidence":0.9892578,"punctuated_word":"One's","sentiment":"neutral","sentiment_score":-0.14954590797424316},{"word":"a","start":488.41,"end":488.57,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1857531815767288},{"word":"bit","start":488.57,"end":488.81,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2086329311132431},{"word":"higher","start":488.81,"end":489.13,"confidence":0.9226074,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":-0.1602902710437775},{"word":"so","start":489.13,"end":489.29,"confidence":0.9506836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.040173545479774475},{"word":"the","start":489.29,"end":489.45,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04496700316667557},{"word":"one","start":489.45,"end":489.69,"confidence":0.9873047,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.058517638593912125},{"word":"i","start":489.85,"end":490.01,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.052377622574567795},{"word":"work","start":490.01,"end":490.33002,"confidence":0.7060547,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.03592316433787346},{"word":"three","start":490.33002,"end":490.57,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.03407551720738411},{"word":"days","start":490.57,"end":490.89,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.02666594833135605},{"word":"for","start":490.89,"end":491.05,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0309916865080595},{"word":"the","start":491.05,"end":491.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0375090166926384},{"word":"department","start":491.29,"end":491.77,"confidence":0.9980469,"punctuated_word":"department","sentiment":"neutral","sentiment_score":-0.04582743346691131},{"word":"and","start":491.77,"end":492.01,"confidence":0.8388672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.026654310524463657},{"word":"two","start":492.01,"end":492.17,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.04872474819421768},{"word":"days","start":492.17,"end":492.49,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.038538698107004166},{"word":"for","start":492.49,"end":492.65,"confidence":0.96240234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04308726638555527},{"word":"the","start":492.65,"end":492.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05358564853668213},{"word":"other","start":492.73,"end":493.23,"confidence":0.7089844,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.04969281330704689},{"word":"place","start":493.77,"end":494.27,"confidence":0.7121582,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":-0.042702145874500275},{"word":"so","start":495.255,"end":495.755,"confidence":0.8083496,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.026185203343629837},{"word":"yeah","start":496.21503,"end":496.71503,"confidence":0.75,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.10343557596206664},{"word":"that's","start":496.855,"end":497.095,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1153184175491333},{"word":"where","start":497.095,"end":497.415,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10140540450811386},{"word":"it's","start":497.415,"end":497.73502,"confidence":0.98876953,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1429995894432068},{"word":"that's","start":510.56,"end":510.88,"confidence":0.8491211,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15379734337329865},{"word":"correct","start":510.88,"end":511.28,"confidence":0.9975586,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.20186281204223633},{"word":"yes","start":511.28,"end":511.78,"confidence":0.99902344,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.36945489048957825},{"word":"not","start":516.8,"end":517.28,"confidence":0.9614258,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1104048117995262},{"word":"yet","start":517.28,"end":517.68,"confidence":0.9941406,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.10660041868686676},{"word":"no","start":517.68,"end":517.92,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17276115715503693},{"word":"we've","start":517.92,"end":518.16003,"confidence":0.99560547,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.16982600092887878},{"word":"had","start":518.16003,"end":518.4,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.15947392582893372},{"word":"a","start":518.4,"end":518.48,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17597095668315887},{"word":"few","start":518.48,"end":518.72003,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.13994073867797852},{"word":"things","start":518.72003,"end":519.04,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.15710750222206116},{"word":"going","start":519.04,"end":519.36,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.13413789868354797},{"word":"on","start":519.36,"end":519.76,"confidence":0.86938477,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.13252849876880646},{"word":"so","start":519.76,"end":520.26,"confidence":0.9602051,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.04053366929292679},{"word":"yeah","start":521.47504,"end":521.715,"confidence":0.970459,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.01511366106569767},{"word":"it's","start":521.715,"end":521.955,"confidence":0.9875488,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.008638269267976284},{"word":"been","start":521.955,"end":522.115,"confidence":0.9667969,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1394512951374054},{"word":"a","start":522.115,"end":522.275,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15128719806671145},{"word":"bit","start":522.275,"end":522.515,"confidence":0.9873047,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1552037000656128},{"word":"busy","start":522.515,"end":522.91504,"confidence":0.99902344,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":-0.2252700924873352},{"word":"for","start":522.91504,"end":523.155,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19945326447486875},{"word":"us","start":523.155,"end":523.655,"confidence":0.9980469,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.19630780816078183},{"word":"yeah","start":524.59503,"end":524.995,"confidence":0.8859863,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06327889114618301},{"word":"yeah","start":524.995,"end":525.315,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07804737985134125},{"word":"we've","start":525.315,"end":525.555,"confidence":0.81030273,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.152145117521286},{"word":"been","start":525.555,"end":525.79504,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.16318631172180176},{"word":"really","start":525.79504,"end":526.115,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1662558913230896},{"word":"busy","start":526.115,"end":526.59503,"confidence":1.0,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":-0.18057018518447876},{"word":"too","start":526.59503,"end":526.755,"confidence":0.94970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.18566283583641052},{"word":"with","start":526.755,"end":527.255,"confidence":0.9790039,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.19994284212589264},{"word":"things","start":527.715,"end":528.215,"confidence":0.7133789,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.1808324009180069},{"word":"so","start":528.435,"end":528.91504,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12244832515716551},{"word":"we've","start":528.91504,"end":529.41504,"confidence":0.9289551,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.14146557450294495},{"word":"sort","start":529.47504,"end":529.715,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1086631715297699},{"word":"of","start":529.715,"end":530.115,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11545292288064957},{"word":"yeah","start":530.35504,"end":530.85504,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1037060022354126},{"word":"it's","start":531.635,"end":531.79504,"confidence":0.65600586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.10313590615987778},{"word":"just","start":531.79504,"end":532.03503,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08644646406173706},{"word":"been","start":532.03503,"end":532.35504,"confidence":0.91015625,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09330375492572784},{"word":"yeah","start":532.59503,"end":532.995,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.10070115327835084},{"word":"it's","start":532.995,"end":533.155,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.21251484751701355},{"word":"been","start":533.155,"end":533.395,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.21477150917053223},{"word":"crazy","start":533.395,"end":533.895,"confidence":0.99902344,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.14119291305541992},{"word":"yeah","start":557.385,"end":557.70496,"confidence":0.6883545,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07707362622022629},{"word":"righto","start":557.70496,"end":558.185,"confidence":0.72770184,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.08932016789913177},{"word":"yep","start":558.185,"end":558.685,"confidence":0.9628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07860520482063293},{"word":"yeah","start":565.98,"end":566.3,"confidence":0.9260254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010262610390782356},{"word":"i'll","start":566.3,"end":566.54,"confidence":0.99365234,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.010090834461152554},{"word":"just","start":566.54,"end":566.69995,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005887769162654877},{"word":"put","start":566.69995,"end":566.94,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.002842109650373459},{"word":"it","start":566.94,"end":567.01996,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01690710335969925},{"word":"to","start":567.01996,"end":567.18,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004707790911197662},{"word":"my","start":567.18,"end":567.33997,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.008377045392990112},{"word":"husband","start":567.33997,"end":567.82,"confidence":1.0,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.004341922700405121},{"word":"at","start":567.82,"end":567.98,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.007336102426052093},{"word":"this","start":567.98,"end":568.13995,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0243985652923584},{"word":"stage","start":568.13995,"end":568.45996,"confidence":0.99121094,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":0.029266037046909332},{"word":"because","start":568.45996,"end":568.77997,"confidence":0.71728516,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.019498072564601895},{"word":"the","start":568.77997,"end":568.86,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0677984431385994},{"word":"kids","start":568.86,"end":569.1,"confidence":0.99902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.06998661160469055},{"word":"are","start":569.1,"end":569.33997,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06890479475259781},{"word":"a","start":569.33997,"end":569.42,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08486610651016235},{"word":"bit","start":569.42,"end":569.66,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1223595142364502},{"word":"too","start":569.66,"end":569.82,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.10643927752971648},{"word":"young","start":569.82,"end":570.32,"confidence":0.99902344,"punctuated_word":"young.","sentiment":"neutral","sentiment_score":-0.048675525933504105},{"word":"yes","start":580.275,"end":580.775,"confidence":0.9213867,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06374421715736389},{"word":"i'll","start":595.89,"end":596.13,"confidence":0.75561523,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.03877668082714081},{"word":"do","start":596.13,"end":596.29,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.013494495302438736},{"word":"it","start":596.29,"end":596.45,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02996952086687088},{"word":"for","start":596.45,"end":596.69,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0023573553189635277},{"word":"every","start":596.69,"end":596.93,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0070340754464268684},{"word":"three","start":596.93,"end":597.25,"confidence":0.9980469,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0011954866349697113},{"word":"years","start":597.25,"end":597.65,"confidence":0.9284668,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.009906137362122536},{"word":"i","start":597.65,"end":597.89,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020237812772393227},{"word":"think","start":597.89,"end":598.29,"confidence":0.8913574,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.01705552637577057},{"word":"just","start":598.29,"end":598.53,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01267225481569767},{"word":"so","start":598.53,"end":598.77,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.013337569311261175},{"word":"we","start":598.77,"end":598.85004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14452849328517914},{"word":"can","start":598.85004,"end":599.35004,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1331815868616104},{"word":"keep","start":599.49,"end":599.73,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.30566301941871643},{"word":"up","start":599.73,"end":599.97003,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2578312158584595},{"word":"to","start":599.97003,"end":600.05,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28679296374320984},{"word":"date","start":600.05,"end":600.29,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.23898237943649292},{"word":"on","start":600.29,"end":600.53,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11502522230148315},{"word":"it","start":600.53,"end":601.03,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.15111377835273743},{"word":"yeah","start":602.195,"end":602.515,"confidence":0.9265137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16613146662712097},{"word":"not","start":602.515,"end":602.755,"confidence":0.9873047,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.03412645310163498},{"word":"that","start":602.755,"end":602.91504,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0317387655377388},{"word":"it'll","start":602.91504,"end":603.155,"confidence":0.7463379,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.05461542308330536},{"word":"probably","start":603.155,"end":603.635,"confidence":0.9633789,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.014166217297315598},{"word":"won't","start":603.635,"end":604.03503,"confidence":0.9970703,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.020085273310542107},{"word":"change","start":604.03503,"end":604.435,"confidence":0.87597656,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.02207016758620739},{"word":"but","start":604.435,"end":604.67505,"confidence":0.98339844,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.012820843607187273},{"word":"you","start":604.67505,"end":604.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004029512405395508},{"word":"know","start":604.835,"end":605.23505,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0488712452352047},{"word":"it's","start":605.23505,"end":605.47504,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09214791655540466},{"word":"probably","start":605.47504,"end":605.955,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.036099448800086975},{"word":"better","start":605.955,"end":606.275,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.01479823887348175},{"word":"to","start":606.275,"end":606.775,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1553463190793991},{"word":"to","start":606.995,"end":607.395,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1468009054660797},{"word":"just","start":607.395,"end":607.895,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2009362131357193},{"word":"do","start":607.955,"end":608.115,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13917426764965057},{"word":"a","start":608.115,"end":608.35504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.152776300907135},{"word":"double","start":608.35504,"end":608.67505,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.09970861673355104},{"word":"check","start":608.67505,"end":609.17505,"confidence":0.99902344,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.18402791023254397},{"word":"yep","start":616.03503,"end":616.38,"confidence":0.9182129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02433452568948269},{"word":"yep","start":630.94,"end":631.44,"confidence":0.89575195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.00633995421230793},{"word":"yeah","start":635.575,"end":636.075,"confidence":0.9255371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01698984019458294},{"word":"i'll","start":637.255,"end":637.415,"confidence":0.69262695,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.035997457802295685},{"word":"probably","start":637.415,"end":637.815,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0679192990064621},{"word":"do","start":637.815,"end":638.055,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06068113073706627},{"word":"it","start":638.055,"end":638.215,"confidence":0.7182617,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05858998745679855},{"word":"binding","start":638.215,"end":638.715,"confidence":0.92163086,"punctuated_word":"binding,","sentiment":"neutral","sentiment_score":0.07971783727407455},{"word":"i","start":639.175,"end":639.335,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11770494282245636},{"word":"think","start":639.335,"end":639.815,"confidence":0.8808594,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.09370380640029909},{"word":"just","start":639.815,"end":640.055,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07055341452360153},{"word":"so","start":640.055,"end":640.375,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17634636163711548},{"word":"it's","start":640.375,"end":640.615,"confidence":0.9909668,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19626639783382416},{"word":"all","start":640.615,"end":641.115,"confidence":0.96777344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17273041605949402},{"word":"right","start":641.175,"end":641.675,"confidence":0.87280273,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.1863834261894226},{"word":"yes","start":646.455,"end":646.955,"confidence":0.85058594,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20263132452964783},{"word":"yes","start":647.81,"end":648.31,"confidence":0.91674805,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.28143590688705444},{"word":"probably","start":666.065,"end":666.465,"confidence":0.6767578,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.09900598227977753},{"word":"print","start":666.465,"end":666.705,"confidence":0.9291992,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.10540051758289336},{"word":"them","start":666.705,"end":667.025,"confidence":0.9863281,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1132143884897232},{"word":"out","start":667.025,"end":667.34503,"confidence":0.97265625,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12324687838554382},{"word":"and","start":667.34503,"end":667.585,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10385377705097198},{"word":"send","start":667.585,"end":667.745,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1159471794962883},{"word":"them","start":667.745,"end":667.98505,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1288028210401535},{"word":"to","start":667.98505,"end":668.145,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11695391684770584},{"word":"me","start":668.145,"end":668.645,"confidence":0.71655273,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.11848220229148863},{"word":"because","start":668.78503,"end":669.10504,"confidence":0.9580078,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.12101268768310548},{"word":"then","start":669.10504,"end":669.34503,"confidence":0.98828125,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1124635487794876},{"word":"i'll","start":669.34503,"end":669.585,"confidence":0.9699707,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15135642886161804},{"word":"yeah","start":670.145,"end":670.54504,"confidence":0.9812012,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1794901341199875},{"word":"i'm","start":670.54504,"end":670.78503,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1919969618320465},{"word":"able","start":670.78503,"end":671.025,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.19862161576747897},{"word":"to","start":671.025,"end":671.185,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2048117220401764},{"word":"do","start":671.185,"end":671.34503,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15191344916820526},{"word":"that","start":671.34503,"end":671.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15797191858291626},{"word":"then","start":671.585,"end":671.905,"confidence":0.73339844,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.13525542616844177},{"word":"i'll","start":671.905,"end":672.065,"confidence":0.89086914,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07345005869865417},{"word":"just","start":672.065,"end":672.385,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05715267360210419},{"word":"yeah","start":673.92,"end":674.24,"confidence":0.9692383,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04121578484773636},{"word":"otherwise","start":674.24,"end":674.72003,"confidence":0.96875,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.012160655111074448},{"word":"it","start":674.72003,"end":674.96,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.030300956219434735},{"word":"just","start":674.96,"end":675.12,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04271552711725235},{"word":"gets","start":675.12,"end":675.36,"confidence":0.9941406,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.06836415082216263},{"word":"a","start":675.36,"end":675.52,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07110483199357986},{"word":"bit","start":675.52,"end":676.02,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07543338090181351},{"word":"you","start":677.44,"end":677.52,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07569213956594467},{"word":"know","start":677.52,"end":678.0,"confidence":0.81347656,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05672585964202881},{"word":"it","start":678.0,"end":678.24,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0485757514834404},{"word":"it","start":678.24,"end":678.32,"confidence":0.8833008,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.033951133489608765},{"word":"gets","start":678.32,"end":678.72003,"confidence":0.9941406,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.15490733087062836},{"word":"clogged","start":678.72003,"end":679.04,"confidence":0.97094727,"punctuated_word":"clogged","sentiment":"neutral","sentiment_score":-0.2654596269130707},{"word":"up","start":679.04,"end":679.2,"confidence":0.99609375,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.33732661604881287},{"word":"in","start":679.2,"end":679.36,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.260200560092926},{"word":"my","start":679.36,"end":679.6,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.17499136924743652},{"word":"emails","start":679.6,"end":680.0,"confidence":0.88671875,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.16422218084335327},{"word":"and","start":680.0,"end":680.16,"confidence":0.60009766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11234325915575027},{"word":"it","start":680.16,"end":680.32,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.184035524725914},{"word":"gets","start":680.32,"end":680.56,"confidence":0.9951172,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.19971835613250732},{"word":"lost","start":680.56,"end":680.96,"confidence":0.7116699,"punctuated_word":"lost.","sentiment":"neutral","sentiment_score":-0.15481361746788025},{"word":"yeah","start":680.96,"end":681.46,"confidence":0.96240234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04116010665893555},{"word":"i","start":691.34503,"end":691.505,"confidence":0.50683594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16296817362308502},{"word":"can","start":691.505,"end":691.74506,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1508481800556183},{"word":"just","start":691.74506,"end":691.905,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1391408145427704},{"word":"add","start":691.905,"end":692.065,"confidence":0.94384766,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.16607066988945007},{"word":"those","start":692.065,"end":692.30505,"confidence":0.99316406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.16358572244644165},{"word":"in","start":692.30505,"end":692.54504,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1525377631187439},{"word":"when","start":692.54504,"end":692.705,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13457804918289185},{"word":"it","start":692.705,"end":692.86505,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1463920921087265},{"word":"comes","start":692.86505,"end":693.36505,"confidence":0.9875488,"punctuated_word":"comes.","sentiment":"neutral","sentiment_score":0.1157134175300598},{"word":"that's","start":693.42505,"end":693.66504,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.341913640499115},{"word":"fine","start":693.66504,"end":694.16504,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.31363287568092346},{"word":"yep","start":701.265,"end":701.55,"confidence":0.9785156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06290008872747421},{"word":"yep","start":704.67,"end":705.17,"confidence":0.9111328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05846214294433594},{"word":"yep","start":706.58997,"end":707.08997,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11804883182048798},{"word":"no","start":707.14996,"end":707.39,"confidence":0.99609375,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.35392752289772034},{"word":"problem","start":707.39,"end":707.89,"confidence":1.0,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.4281572103500366},{"word":"i'm","start":716.61505,"end":716.775,"confidence":0.51708984,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.030581850558519363},{"word":"just","start":716.775,"end":717.015,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02808208391070366},{"word":"waiting","start":717.015,"end":717.335,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.0326693058013916},{"word":"for","start":717.335,"end":717.495,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04311336204409599},{"word":"the","start":717.495,"end":717.655,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040345173329114914},{"word":"reviews","start":717.655,"end":718.155,"confidence":0.99316406,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.02558666653931141},{"word":"at","start":718.215,"end":718.375,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0335526205599308},{"word":"the","start":718.375,"end":718.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05641310662031174},{"word":"moment","start":718.455,"end":718.955,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.05631064251065254},{"word":"yep","start":727.575,"end":727.89,"confidence":0.9770508,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0021995529532432556},{"word":"yep","start":729.89,"end":730.39,"confidence":0.9460449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04108838737010956},{"word":"mhmm","start":737.25,"end":737.75,"confidence":0.967041,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04116307199001312},{"word":"yeah","start":737.97003,"end":738.47003,"confidence":0.90722656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0840727835893631},{"word":"yep","start":738.53,"end":739.03,"confidence":0.7675781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10394187271595},{"word":"mhmm","start":745.215,"end":745.715,"confidence":0.93029785,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.25387775897979736},{"word":"alright","start":756.7,"end":757.2,"confidence":0.70544434,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.0284122284501791},{"word":"mhmm","start":757.98,"end":758.48,"confidence":0.99609375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07912860810756683},{"word":"oh","start":761.82,"end":762.06,"confidence":0.89404297,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.3352879285812378},{"word":"good","start":762.06,"end":762.56,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.40206921100616455},{"word":"excellent","start":766.77997,"end":767.27997,"confidence":0.9050293,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3930317163467407},{"word":"yes","start":773.145,"end":773.645,"confidence":0.74523926,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.1098194420337677},{"word":"yep","start":783.305,"end":783.805,"confidence":0.8625488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08936222642660141},{"word":"yep","start":791.15,"end":791.65,"confidence":0.8654785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03703667223453522},{"word":"right","start":792.02997,"end":792.52997,"confidence":0.84350586,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.04430598020553589},{"word":"yep","start":799.52496,"end":800.02496,"confidence":0.8066406,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4793958365917206},{"word":"mhmm","start":802.08496,"end":802.58496,"confidence":0.98254395,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.00894597265869379},{"word":"right","start":809.285,"end":809.785,"confidence":0.9453125,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.14896026253700256},{"word":"yep","start":810.165,"end":810.665,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3398938775062561},{"word":"well","start":814.8,"end":814.96,"confidence":0.7758789,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.2944592535495758},{"word":"that's","start":814.96,"end":815.2,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4704535901546478},{"word":"great","start":815.2,"end":815.7,"confidence":0.99853516,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5226795673370361},{"word":"mhmm","start":823.92,"end":824.42,"confidence":0.9916992,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.03209783881902695},{"word":"yep","start":826.32,"end":826.82,"confidence":0.9616699,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02505448088049889},{"word":"mhmm","start":835.135,"end":835.635,"confidence":0.9884033,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.015754971653223038},{"word":"mhmm","start":838.415,"end":838.915,"confidence":0.9622803,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.024917252361774445},{"word":"yeah","start":850.45,"end":850.85,"confidence":0.72766113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.012492399662733078},{"word":"yeah","start":850.85,"end":851.35,"confidence":0.9003906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010120375081896782},{"word":"mhmm","start":857.005,"end":857.505,"confidence":0.9885254,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0073249442502856255},{"word":"well","start":870.87,"end":871.11,"confidence":0.7402344,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.04947139695286751},{"word":"yeah","start":871.11,"end":871.35,"confidence":0.7414551,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.01596410572528839},{"word":"i","start":871.35,"end":871.43,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.035769298672676086},{"word":"wanna","start":871.43,"end":871.67,"confidence":0.98291016,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.000683177262544632},{"word":"get","start":871.67,"end":871.91,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.008772440254688263},{"word":"as","start":871.91,"end":872.07,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02051869034767151},{"word":"much","start":872.07,"end":872.31,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.016321226954460144},{"word":"as","start":872.31,"end":872.47,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.036163754761219025},{"word":"i","start":872.47,"end":872.55,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034842461347579956},{"word":"can","start":872.55,"end":872.87,"confidence":0.92626953,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.051626380532979965},{"word":"but","start":872.87,"end":873.11,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02877366542816162},{"word":"i","start":873.11,"end":873.19,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024555087089538578},{"word":"don't","start":873.19,"end":873.43,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02478511445224285},{"word":"wanna","start":873.43,"end":873.67,"confidence":0.9526367,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.055101603269577026},{"word":"lose","start":873.67,"end":873.99,"confidence":0.9970703,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.17134027183055878},{"word":"it","start":873.99,"end":874.14996,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07657016813755035},{"word":"either","start":874.14996,"end":874.55,"confidence":0.9399414,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.04073256254196167},{"word":"so","start":874.55,"end":874.70996,"confidence":0.9316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.005911692976951599},{"word":"yep","start":897.775,"end":898.275,"confidence":0.89086914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.042538031935691833},{"word":"yeah","start":901.17004,"end":901.67004,"confidence":0.92700195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2076653689146042},{"word":"so","start":902.13,"end":902.37,"confidence":0.9243164,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1923779547214508},{"word":"it's","start":902.37,"end":902.53,"confidence":0.9807129,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21671029925346377},{"word":"probably","start":902.53,"end":902.85004,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.22000449895858765},{"word":"better","start":902.85004,"end":903.25,"confidence":0.9892578,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.1259048581123352},{"word":"to","start":903.25,"end":903.33,"confidence":0.80615234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19394952058792111},{"word":"keep","start":903.33,"end":903.83,"confidence":0.9863281,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.20194843411445615},{"word":"as","start":903.89,"end":904.13,"confidence":0.97314453,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2325342893600464},{"word":"is","start":904.13,"end":904.45,"confidence":0.94140625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22493848204612732},{"word":"for","start":904.45,"end":904.69,"confidence":0.9589844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16749635338783264},{"word":"just","start":904.69,"end":904.93,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17827394604682922},{"word":"the","start":904.93,"end":905.09,"confidence":0.86279297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24697677791118625},{"word":"moment","start":905.09,"end":905.59,"confidence":0.99560547,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.21902890503406525},{"word":"yeah","start":910.69,"end":911.19,"confidence":0.9753418,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11022093892097472},{"word":"yes","start":916.265,"end":916.765,"confidence":0.8310547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19810856878757477},{"word":"yes","start":922.825,"end":923.325,"confidence":0.94018555,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15422898530960083},{"word":"yep","start":939.87,"end":940.37,"confidence":0.87597656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14565898478031158},{"word":"mhmm","start":940.43,"end":940.93,"confidence":0.9244385,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0796893835067749},{"word":"yep","start":948.385,"end":948.885,"confidence":0.8964844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11665632575750352},{"word":"because","start":949.425,"end":949.745,"confidence":0.97802734,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.06562285125255585},{"word":"i","start":949.745,"end":949.905,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07969950139522552},{"word":"may","start":949.905,"end":950.145,"confidence":0.8989258,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.09754455089569092},{"word":"even","start":950.145,"end":950.465,"confidence":0.99316406,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.0977892130613327},{"word":"work","start":950.465,"end":950.705,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.04909852147102356},{"word":"beyond","start":950.705,"end":951.185,"confidence":0.9902344,"punctuated_word":"beyond","sentiment":"neutral","sentiment_score":-0.08472530543804169},{"word":"60","start":951.185,"end":951.66504,"confidence":0.9951172,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.049628473818302155},{"word":"yet","start":951.66504,"end":951.905,"confidence":0.8964844,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.05582354590296745},{"word":"i","start":951.905,"end":951.985,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10609917342662813},{"word":"don't","start":951.985,"end":952.22504,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12481719255447388},{"word":"know","start":952.22504,"end":952.72504,"confidence":0.9577637,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.11894454061985016},{"word":"so","start":953.10504,"end":953.52,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08403869718313217},{"word":"yeah","start":957.44,"end":957.60004,"confidence":0.86083984,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.12395453453063963},{"word":"no","start":957.60004,"end":958.10004,"confidence":0.9279785,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09001205116510391},{"word":"more","start":958.56,"end":958.88,"confidence":0.9941406,"punctuated_word":"More","sentiment":"neutral","sentiment_score":-0.06099875271320343},{"word":"than","start":958.88,"end":959.04004,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.07335465401411057},{"word":"likely","start":959.04004,"end":959.52,"confidence":0.8979492,"punctuated_word":"likely,","sentiment":"neutral","sentiment_score":-0.05571359023451805},{"word":"i","start":959.52,"end":959.60004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08497652411460876},{"word":"will","start":959.60004,"end":959.84,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.08144832402467728},{"word":"be","start":959.84,"end":960.0,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.041370488703250885},{"word":"working","start":960.0,"end":960.4,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.029837287962436676},{"word":"beyond","start":960.4,"end":960.80005,"confidence":0.99902344,"punctuated_word":"beyond","sentiment":"neutral","sentiment_score":-0.02963823825120926},{"word":"60","start":960.80005,"end":961.30005,"confidence":0.97631836,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.0005844123661518097},{"word":"okay","start":962.96,"end":963.46,"confidence":0.7668457,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03703330084681511},{"word":"yeah","start":967.84,"end":968.34,"confidence":0.9140625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03176537901163101},{"word":"yep","start":969.255,"end":969.755,"confidence":0.70581055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20238736271858215},{"word":"yep","start":971.015,"end":971.41504,"confidence":0.78808594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2686828672885895},{"word":"so","start":971.41504,"end":971.655,"confidence":0.7583008,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1939871460199356},{"word":"i'll","start":971.655,"end":971.73505,"confidence":0.7529297,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17965833842754364},{"word":"probably","start":971.73505,"end":972.05505,"confidence":0.89746094,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.20689252018928528},{"word":"be","start":972.05505,"end":972.135,"confidence":0.8745117,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14093603193759918},{"word":"gonna","start":972.135,"end":972.375,"confidence":0.5449219,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1642611026763916},{"word":"be","start":972.375,"end":972.455,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15083137154579165},{"word":"working","start":972.455,"end":972.775,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.18587219715118408},{"word":"for","start":972.775,"end":973.015,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14616639912128448},{"word":"as","start":973.015,"end":973.09503,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1871195137500763},{"word":"long","start":973.09503,"end":973.335,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.24688048660755155},{"word":"as","start":973.335,"end":973.495,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1508721113204956},{"word":"i","start":973.495,"end":973.97504,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24636289477348328},{"word":"can","start":973.97504,"end":974.47504,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22141073644161224},{"word":"at","start":974.61505,"end":974.85504,"confidence":0.9658203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22084619104862213},{"word":"this","start":974.85504,"end":975.09503,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2875962257385254},{"word":"stage","start":975.09503,"end":975.59503,"confidence":0.99609375,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":0.3021983802318573},{"word":"and","start":976.53503,"end":976.775,"confidence":0.40478516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23956622183322904},{"word":"just","start":976.775,"end":977.275,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21611449122428897},{"word":"yeah","start":979.655,"end":980.155,"confidence":0.9355469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1320323646068573},{"word":"yeah","start":980.775,"end":981.17505,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03783233463764191},{"word":"if","start":981.17505,"end":981.41504,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.012175887823104858},{"word":"i","start":981.41504,"end":981.495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03442509472370148},{"word":"want","start":981.495,"end":981.815,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.02467772364616394},{"word":"to","start":981.815,"end":982.315,"confidence":0.97387695,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.029345864430069923},{"word":"yeah","start":982.375,"end":982.875,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14064808189868927},{"word":"when","start":983.83,"end":984.07,"confidence":0.8676758,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.13456740975379944},{"word":"i","start":984.07,"end":984.15,"confidence":0.9448242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1297033131122589},{"word":"want","start":984.15,"end":984.23004,"confidence":0.65722656,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.13258856534957886},{"word":"to","start":984.23004,"end":984.63,"confidence":0.9526367,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.12787510454654694},{"word":"yep","start":984.63,"end":985.13,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12833815813064575},{"word":"yep","start":990.55,"end":991.05,"confidence":0.94873047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017438750714063644},{"word":"yep","start":995.91003,"end":996.41003,"confidence":0.90527344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2094210386276245},{"word":"yep","start":998.36505,"end":998.86505,"confidence":0.8630371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10687671601772308},{"word":"mhmm","start":1005.16504,"end":1005.66504,"confidence":0.9764404,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.25566771626472473},{"word":"yep","start":1006.125,"end":1006.625,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05723046883940697},{"word":"yes","start":1010.525,"end":1011.025,"confidence":0.76831055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12208981066942216},{"word":"yep","start":1011.245,"end":1011.745,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14495323598384857},{"word":"mhmm","start":1015.48,"end":1015.98,"confidence":0.9605713,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03528086096048355},{"word":"yep","start":1026.6,"end":1027.1,"confidence":0.8273926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07733838260173798},{"word":"mhmm","start":1043.485,"end":1043.725,"confidence":0.9329834,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0417315810918808},{"word":"yeah","start":1043.725,"end":1044.18,"confidence":0.8852539,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.024730313569307327},{"word":"well","start":1056.02,"end":1056.52,"confidence":0.9694824,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.23645064234733584},{"word":"when","start":1057.0249,"end":1057.1849,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.26809051632881165},{"word":"it","start":1057.1849,"end":1057.345,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2516085207462311},{"word":"comes","start":1057.345,"end":1057.6649,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.21594032645225525},{"word":"to","start":1057.6649,"end":1057.825,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23570677638053897},{"word":"the","start":1057.825,"end":1058.065,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.262364000082016},{"word":"life","start":1058.065,"end":1058.385,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.2781713306903839},{"word":"insurance","start":1058.385,"end":1058.885,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.2271572947502136},{"word":"type","start":1059.1849,"end":1059.505,"confidence":0.90234375,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.20377647876739505},{"word":"thing","start":1059.505,"end":1059.985,"confidence":0.96899414,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":-0.22239528596401217},{"word":"i","start":1059.985,"end":1060.225,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3611392676830292},{"word":"can't","start":1060.225,"end":1060.725,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.3143441081047058},{"word":"we've","start":1061.345,"end":1061.745,"confidence":0.9448242,"punctuated_word":"we've","sentiment":"negative","sentiment_score":-0.335421085357666},{"word":"looked","start":1061.745,"end":1061.985,"confidence":0.99902344,"punctuated_word":"looked","sentiment":"negative","sentiment_score":-0.3349699378013611},{"word":"at","start":1061.985,"end":1062.225,"confidence":1.0,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.385689914226532},{"word":"changing","start":1062.225,"end":1062.625,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.24806982278823853},{"word":"that","start":1062.625,"end":1062.865,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2977287471294403},{"word":"before","start":1062.865,"end":1063.265,"confidence":0.80737305,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.2404678463935852},{"word":"but","start":1063.265,"end":1063.585,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2497357726097107},{"word":"because","start":1063.585,"end":1063.985,"confidence":0.99609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.3325204849243164},{"word":"i","start":1063.985,"end":1064.1449,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3789517283439636},{"word":"have","start":1064.1449,"end":1064.6449,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3869190216064453},{"word":"rheumatoid","start":1065.105,"end":1065.605,"confidence":0.9949951,"punctuated_word":"rheumatoid","sentiment":"negative","sentiment_score":-0.3440227210521698},{"word":"arthritis","start":1065.825,"end":1066.325,"confidence":0.970459,"punctuated_word":"arthritis,","sentiment":"negative","sentiment_score":-0.3580101728439331},{"word":"it's","start":1066.5449,"end":1067.0249,"confidence":0.8869629,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.36764317750930786},{"word":"it's","start":1067.0249,"end":1067.105,"confidence":0.90527344,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.37621816992759705},{"word":"not","start":1067.105,"end":1067.345,"confidence":0.9951172,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.44490504264831543},{"word":"gonna","start":1067.345,"end":1067.6649,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4295719861984253},{"word":"i'm","start":1067.985,"end":1068.1449,"confidence":1.0,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.44064998626708984},{"word":"not","start":1068.1449,"end":1068.385,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4794762134552002},{"word":"gonna","start":1068.385,"end":1068.625,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4292653203010559},{"word":"be","start":1068.625,"end":1068.7849,"confidence":0.9970703,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.42490270733833313},{"word":"able","start":1068.7849,"end":1069.105,"confidence":1.0,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.36856016516685486},{"word":"to","start":1069.105,"end":1069.265,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3752595782279968},{"word":"change","start":1069.265,"end":1069.505,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.333144873380661},{"word":"it","start":1069.505,"end":1070.005,"confidence":0.9802246,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.28069770336151123},{"word":"no","start":1077.1,"end":1077.5,"confidence":0.8093262,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.27410709857940674},{"word":"they","start":1077.5,"end":1077.74,"confidence":0.7944336,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.2900480031967163},{"word":"can't","start":1077.74,"end":1078.24,"confidence":0.9313151,"punctuated_word":"can't.","sentiment":"neutral","sentiment_score":-0.2674939036369324},{"word":"because","start":1079.0199,"end":1079.5199,"confidence":0.98535156,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.20116306841373444},{"word":"yeah","start":1080.0599,"end":1080.5599,"confidence":0.98828125,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.19213366508483887},{"word":"i","start":1080.62,"end":1080.86,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24850505590438843},{"word":"got","start":1080.86,"end":1081.36,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.23986467719078064},{"word":"i","start":1082.22,"end":1082.3799,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2163483053445816},{"word":"had","start":1082.3799,"end":1082.7,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.21612226963043213},{"word":"i","start":1083.4199,"end":1083.58,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23735490441322327},{"word":"was","start":1083.58,"end":1083.8999,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1983969807624817},{"word":"diagnosed","start":1083.8999,"end":1084.3999,"confidence":0.99902344,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.2106115072965622},{"word":"after","start":1084.7799,"end":1085.2599,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.18174497783184052},{"word":"i","start":1085.2599,"end":1085.6599,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19863899052143097},{"word":"set","start":1085.6599,"end":1085.8999,"confidence":0.8232422,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.14779697358608246},{"word":"it","start":1085.8999,"end":1086.1399,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16204679012298584},{"word":"up","start":1086.1399,"end":1086.6399,"confidence":0.876709,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.1349664330482483},{"word":"so","start":1087.755,"end":1087.915,"confidence":0.84228516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1977316588163376},{"word":"they","start":1087.915,"end":1088.155,"confidence":0.7363281,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.25051572918891907},{"word":"said","start":1088.155,"end":1088.4751,"confidence":0.9223633,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.22352942824363708},{"word":"to","start":1088.4751,"end":1088.9751,"confidence":0.82421875,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.25735577940940857},{"word":"you","start":1089.115,"end":1089.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.27837419509887695},{"word":"know","start":1089.275,"end":1089.755,"confidence":0.8503418,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.27183997631073},{"word":"like","start":1089.755,"end":1089.995,"confidence":0.7260742,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2383858263492584},{"word":"the","start":1089.995,"end":1090.495,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25870057940483093},{"word":"thing","start":1090.555,"end":1090.795,"confidence":0.99121094,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.23342302441596985},{"word":"has","start":1090.795,"end":1091.035,"confidence":0.9550781,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2744428813457489},{"word":"been","start":1091.035,"end":1091.3551,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.3038710355758667},{"word":"to","start":1091.3551,"end":1091.515,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.32418614625930786},{"word":"sort","start":1091.515,"end":1091.755,"confidence":0.97802734,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.3316997289657593},{"word":"of","start":1091.755,"end":1091.915,"confidence":0.74365234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3117515742778778},{"word":"leave","start":1091.915,"end":1092.155,"confidence":0.9970703,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.24328680336475372},{"word":"it","start":1092.155,"end":1092.4751,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24978740513324735},{"word":"because","start":1092.4751,"end":1092.9751,"confidence":0.8925781,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2286486774682999},{"word":"we","start":1093.115,"end":1093.3551,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.24594764411449432},{"word":"have","start":1093.3551,"end":1093.675,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2440856695175171},{"word":"we","start":1093.675,"end":1093.915,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.25597918033599854},{"word":"have","start":1093.915,"end":1094.235,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.25047609210014343},{"word":"looked","start":1094.235,"end":1094.555,"confidence":0.99902344,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.2599533796310425},{"word":"at","start":1094.555,"end":1094.7151,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2839739918708801},{"word":"it","start":1094.7151,"end":1095.2151,"confidence":0.7561035,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.22539657354354856},{"word":"but","start":1095.3551,"end":1095.675,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.24653221666812897},{"word":"because","start":1095.675,"end":1096.0751,"confidence":0.9980469,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.3653974533081054},{"word":"i","start":1096.0751,"end":1096.3151,"confidence":0.98828125,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3806435465812683},{"word":"now","start":1096.3151,"end":1096.635,"confidence":0.9980469,"punctuated_word":"now","sentiment":"negative","sentiment_score":-0.4240262806415558},{"word":"have","start":1096.635,"end":1096.875,"confidence":0.9951172,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3797433376312256},{"word":"this","start":1096.875,"end":1097.115,"confidence":0.9980469,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4077151119709015},{"word":"diagnosis","start":1097.115,"end":1097.615,"confidence":0.97265625,"punctuated_word":"diagnosis,","sentiment":"negative","sentiment_score":-0.3453719913959503},{"word":"they","start":1098.155,"end":1098.655,"confidence":0.76660156,"punctuated_word":"they,","sentiment":"negative","sentiment_score":-0.512721061706543},{"word":"you","start":1099.755,"end":1099.915,"confidence":0.8413086,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.504777729511261},{"word":"know","start":1099.915,"end":1100.3151,"confidence":0.96118164,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.49123501777648926},{"word":"it's","start":1100.3151,"end":1100.555,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5186132192611694},{"word":"not","start":1100.555,"end":1100.9551,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6088303327560425},{"word":"sorta","start":1100.9551,"end":1101.4551,"confidence":0.70373535,"punctuated_word":"sorta","sentiment":"negative","sentiment_score":-0.5455169677734375},{"word":"an","start":1103.3301,"end":1103.73,"confidence":0.99902344,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.5504571199417114},{"word":"option","start":1103.73,"end":1104.23,"confidence":0.99902344,"punctuated_word":"option","sentiment":"negative","sentiment_score":-0.5005499124526978},{"word":"for","start":1104.37,"end":1104.53,"confidence":0.875,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5048295855522156},{"word":"me","start":1104.53,"end":1105.03,"confidence":0.9921875,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.1772267073392868},{"word":"yeah","start":1112.13,"end":1112.63,"confidence":0.94506836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09172801673412324},{"word":"yeah","start":1112.77,"end":1113.17,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11445967853069304},{"word":"i","start":1113.17,"end":1113.3301,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1851905882358551},{"word":"don't","start":1113.3301,"end":1113.5701,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19688546657562256},{"word":"think","start":1113.5701,"end":1113.81,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2027319222688675},{"word":"it's","start":1113.81,"end":1114.05,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3042330741882324},{"word":"gonna","start":1114.05,"end":1114.4501,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.34525805711746216},{"word":"happen","start":1114.4501,"end":1114.9501,"confidence":0.99853516,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.1030074656009674},{"word":"no","start":1115.25,"end":1115.685,"confidence":0.9941406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15275371074676514},{"word":"yep","start":1116.2451,"end":1116.7451,"confidence":0.90893555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0019394606351852417},{"word":"yeah","start":1125.525,"end":1126.005,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0581093393266201},{"word":"yep","start":1126.005,"end":1126.505,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0859752744436264},{"word":"yep","start":1135.04,"end":1135.54,"confidence":0.90893555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16763216257095337},{"word":"yeah","start":1146.615,"end":1147.115,"confidence":0.82128906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00856766663491726},{"word":"and","start":1147.335,"end":1147.495,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01651107147336006},{"word":"that","start":1147.495,"end":1147.995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015878543257713318},{"word":"that","start":1148.055,"end":1148.295,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03831515833735466},{"word":"kinda","start":1148.295,"end":1148.775,"confidence":0.8691406,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.06213473901152611},{"word":"happened","start":1148.775,"end":1149.255,"confidence":0.7236328,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.06268063187599182},{"word":"with","start":1149.255,"end":1149.755,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06683607399463654},{"word":"my","start":1150.055,"end":1150.375,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07402121275663376},{"word":"husband","start":1150.375,"end":1150.875,"confidence":0.9736328,"punctuated_word":"husband.","sentiment":"neutral","sentiment_score":-0.07297826558351517},{"word":"it","start":1152.775,"end":1153.015,"confidence":0.9716797,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.06337112188339233},{"word":"took","start":1153.015,"end":1153.515,"confidence":0.69384766,"punctuated_word":"took,","sentiment":"neutral","sentiment_score":-0.059643764048814774},{"word":"like","start":1153.575,"end":1153.975,"confidence":0.7944336,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.057642728090286255},{"word":"i","start":1153.975,"end":1154.135,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07823461294174194},{"word":"don't","start":1154.135,"end":1154.295,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06387262046337128},{"word":"know","start":1154.295,"end":1154.535,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.08808089792728424},{"word":"how","start":1154.535,"end":1154.775,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.07459066063165665},{"word":"it","start":1154.775,"end":1154.9349,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.043891072273254395},{"word":"worked","start":1154.9349,"end":1155.335,"confidence":0.76123047,"punctuated_word":"worked,","sentiment":"neutral","sentiment_score":-0.05571039393544197},{"word":"but","start":1155.335,"end":1155.835,"confidence":0.97094727,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.04793236777186394},{"word":"you","start":1156.06,"end":1156.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02383923903107643},{"word":"know","start":1156.22,"end":1156.38,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.02006193995475769},{"word":"the","start":1156.38,"end":1156.78,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007187291979789734},{"word":"super","start":1156.78,"end":1157.1,"confidence":0.984375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06841970980167389},{"word":"he","start":1157.1,"end":1157.26,"confidence":0.9760742,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.025715969502925873},{"word":"did","start":1157.26,"end":1157.5801,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06694214046001434},{"word":"have","start":1157.5801,"end":1158.06,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03981408104300499},{"word":"all","start":1158.06,"end":1158.4601,"confidence":0.57177734,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05547928810119629},{"word":"was","start":1158.4601,"end":1158.78,"confidence":0.8769531,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0338805615901947},{"word":"taken","start":1158.78,"end":1159.26,"confidence":1.0,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.03474298119544983},{"word":"because","start":1159.26,"end":1159.76,"confidence":0.9741211,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.027270138263702393},{"word":"of","start":1161.5,"end":1161.8201,"confidence":0.9814453,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.011992651969194412},{"word":"you","start":1161.8201,"end":1161.98,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0008177682757377625},{"word":"know","start":1161.98,"end":1162.38,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.00955149158835411},{"word":"some","start":1162.38,"end":1162.7001,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.010474003851413729},{"word":"choices","start":1162.7001,"end":1163.18,"confidence":1.0,"punctuated_word":"choices","sentiment":"neutral","sentiment_score":-0.001177772879600525},{"word":"that","start":1163.18,"end":1163.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017351150512695312},{"word":"were","start":1163.34,"end":1163.5,"confidence":0.9633789,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.002895444631576538},{"word":"made","start":1163.5,"end":1163.8201,"confidence":0.9980469,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.024700794368982315},{"word":"or","start":1163.8201,"end":1164.14,"confidence":0.9716797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.015488460659980774},{"word":"some","start":1164.14,"end":1164.4601,"confidence":0.9428711,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.020033761858940125},{"word":"advice","start":1164.4601,"end":1164.9401,"confidence":0.98535156,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.0204475037753582},{"word":"that","start":1164.9401,"end":1165.1,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.013253048062324524},{"word":"we","start":1165.1,"end":1165.26,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.011675704270601273},{"word":"were","start":1165.26,"end":1165.5,"confidence":0.9863281,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.013083737343549728},{"word":"given","start":1165.5,"end":1166.0,"confidence":0.7211914,"punctuated_word":"given.","sentiment":"neutral","sentiment_score":-0.020798424258828163},{"word":"and","start":1166.38,"end":1166.62,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07286158204078674},{"word":"the","start":1166.62,"end":1166.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11450375616550446},{"word":"premiums","start":1166.78,"end":1167.28,"confidence":0.98828125,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.10672014206647872},{"word":"just","start":1167.42,"end":1167.74,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10262533277273178},{"word":"went","start":1167.74,"end":1168.06,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.11305048316717148},{"word":"sky","start":1168.06,"end":1168.4601,"confidence":0.9838867,"punctuated_word":"sky","sentiment":"neutral","sentiment_score":-0.0950903818011284},{"word":"high","start":1168.4601,"end":1168.7001,"confidence":0.80029297,"punctuated_word":"high,","sentiment":"neutral","sentiment_score":-0.09406962990760805},{"word":"and","start":1168.7001,"end":1168.9401,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11938978731632233},{"word":"they","start":1168.9401,"end":1169.1,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.13669222593307495},{"word":"just","start":1169.1,"end":1169.42,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.14306578040122986},{"word":"paid","start":1169.42,"end":1169.66,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.13439121842384338},{"word":"it","start":1169.66,"end":1169.8201,"confidence":0.7335205,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.13233818113803864},{"word":"and","start":1169.8201,"end":1170.06,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1108393669128418},{"word":"it","start":1170.06,"end":1170.22,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12644630670547485},{"word":"just","start":1170.22,"end":1170.4601,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11081729829311372},{"word":"took","start":1170.4601,"end":1170.7001,"confidence":1.0,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.09255863726139069},{"word":"all","start":1170.7001,"end":1170.9401,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.09393736720085144},{"word":"of","start":1170.9401,"end":1171.02,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09385954588651656},{"word":"his","start":1171.02,"end":1171.26,"confidence":0.9760742,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.12409529089927672},{"word":"super","start":1171.26,"end":1171.76,"confidence":0.9951172,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.07913266122341156},{"word":"yeah","start":1176.515,"end":1177.015,"confidence":0.97631836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008978486061096191},{"word":"yeah","start":1188.21,"end":1188.61,"confidence":0.8483887,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03181564062833786},{"word":"exactly","start":1188.61,"end":1189.11,"confidence":0.98339844,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.01796196773648262},{"word":"and","start":1189.17,"end":1189.33,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.060068607330322266},{"word":"we","start":1189.33,"end":1189.49,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09646007418632507},{"word":"don't","start":1189.49,"end":1189.65,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09824948012828828},{"word":"wanna","start":1189.65,"end":1189.97,"confidence":0.8100586,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.13943251967430115},{"word":"fall","start":1189.97,"end":1190.13,"confidence":0.99316406,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.1353725641965866},{"word":"into","start":1190.13,"end":1190.4501,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.1577017456293106},{"word":"that","start":1190.4501,"end":1190.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08009016513824463},{"word":"again","start":1190.77,"end":1191.27,"confidence":0.9980469,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.06694035232067108},{"word":"yep","start":1192.21,"end":1192.71,"confidence":0.9448242,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.003021119860932231},{"word":"yeah","start":1197.41,"end":1197.91,"confidence":0.9538574,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008179265074431896},{"word":"yep","start":1200.195,"end":1200.595,"confidence":0.8034668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05712857097387314},{"word":"and","start":1200.595,"end":1200.755,"confidence":0.8408203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04198817536234856},{"word":"then","start":1200.755,"end":1200.915,"confidence":0.9951172,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.037224411964416504},{"word":"we'll","start":1200.915,"end":1201.075,"confidence":0.9970703,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.051045071333646774},{"word":"check","start":1201.075,"end":1201.3151,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.04650493711233139},{"word":"it","start":1201.3151,"end":1201.475,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.031924061477184296},{"word":"then","start":1201.475,"end":1201.975,"confidence":0.98657227,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.06295455992221832},{"word":"yeah","start":1203.635,"end":1204.135,"confidence":0.8430176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20189043879508972},{"word":"mhmm","start":1211.155,"end":1211.655,"confidence":0.98657227,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01832524687051773},{"word":"i","start":1224.91,"end":1225.0701,"confidence":0.6772461,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14934004843235016},{"word":"think","start":1225.0701,"end":1225.39,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.11017938703298567},{"word":"the","start":1225.39,"end":1225.55,"confidence":0.9316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07683718204498291},{"word":"twelve","start":1225.55,"end":1225.9501,"confidence":0.9902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.03923814743757248},{"word":"months","start":1225.9501,"end":1226.325,"confidence":0.9863281,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.04703478142619133},{"word":"is","start":1227.7649,"end":1228.005,"confidence":0.96777344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10343590378761292},{"word":"probably","start":1228.005,"end":1228.505,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.15179765224456787},{"word":"okay","start":1229.2849,"end":1229.7849,"confidence":0.9902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.13695302605628967},{"word":"at","start":1229.845,"end":1230.005,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1041497439146042},{"word":"the","start":1230.005,"end":1230.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12938471138477323},{"word":"moment","start":1230.085,"end":1230.585,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.13365204632282257},{"word":"yeah","start":1237.205,"end":1237.705,"confidence":0.78808594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10405868291854858},{"word":"yep","start":1238.4049,"end":1238.9049,"confidence":0.8491211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11136259883642197},{"word":"yep","start":1245.01,"end":1245.25,"confidence":0.9248047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15487515926361084},{"word":"okay","start":1245.25,"end":1245.75,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3393649458885193},{"word":"sounds","start":1246.61,"end":1246.9299,"confidence":0.9970703,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.5133927464485168},{"word":"good","start":1246.9299,"end":1247.4299,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5419161319732666},{"word":"mhmm","start":1261.145,"end":1261.2251,"confidence":0.92163086,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05089616030454635},{"word":"yes","start":1261.2251,"end":1261.7251,"confidence":0.8117676,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05434972047805786},{"word":"yes","start":1262.5851,"end":1263.0851,"confidence":0.9453125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07495458424091339},{"word":"yes","start":1263.9451,"end":1264.4451,"confidence":0.9223633,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17636339366436005},{"word":"yes","start":1285.3949,"end":1285.8949,"confidence":0.75268555,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12360237538814545},{"word":"yes","start":1288.4349,"end":1288.9349,"confidence":0.7044678,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3196335732936859},{"word":"nice","start":1288.995,"end":1289.495,"confidence":0.8918457,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.5778709650039673},{"word":"happy","start":1289.7949,"end":1290.115,"confidence":0.984375,"punctuated_word":"Happy","sentiment":"positive","sentiment_score":0.6314212679862976},{"word":"with","start":1290.115,"end":1290.355,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5531200766563416},{"word":"your","start":1290.355,"end":1290.5149,"confidence":0.98535156,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5477218627929688},{"word":"service","start":1290.5149,"end":1291.0149,"confidence":1.0,"punctuated_word":"service.","sentiment":"positive","sentiment_score":0.47806042432785034},{"word":"yeah","start":1291.5549,"end":1292.0549,"confidence":0.7133789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1601176559925079},{"word":"mhmm","start":1296.87,"end":1297.37,"confidence":0.94885254,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.007978362031280994},{"word":"mhmm","start":1304.5499,"end":1305.0499,"confidence":0.9592285,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04977842420339584},{"word":"right","start":1309.5449,"end":1310.0449,"confidence":0.9921875,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.03648430109024048},{"word":"yep","start":1314.105,"end":1314.605,"confidence":0.75219727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04695999622344971},{"word":"okay","start":1314.745,"end":1315.245,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03125464543700218},{"word":"mhmm","start":1319.865,"end":1320.365,"confidence":0.9536133,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03635844960808754},{"word":"yep","start":1323.66,"end":1324.14,"confidence":0.9526367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30661541223526},{"word":"sounds","start":1324.14,"end":1324.4601,"confidence":0.9970703,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.7561836242675781},{"word":"good","start":1324.4601,"end":1324.9601,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7356097102165222},{"word":"no","start":1328.4601,"end":1328.78,"confidence":0.8449707,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08827194571495056},{"word":"no","start":1328.78,"end":1329.1,"confidence":0.984375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09317968040704729},{"word":"i","start":1329.1,"end":1329.18,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1598174124956131},{"word":"think","start":1329.18,"end":1329.42,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.24089069664478305},{"word":"i'm","start":1329.42,"end":1329.5801,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2303975075483322},{"word":"pretty","start":1329.5801,"end":1329.8201,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.374544620513916},{"word":"good","start":1329.8201,"end":1330.3201,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3778935372829437},{"word":"thank","start":1334.4601,"end":1334.78,"confidence":0.95166016,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.2477199286222458},{"word":"you","start":1334.78,"end":1335.28,"confidence":0.9838867,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2568514347076416},{"word":"yep","start":1341.805,"end":1342.285,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1890798807144165},{"word":"no","start":1342.285,"end":1342.605,"confidence":1.0,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.25720107555389404},{"word":"worries","start":1342.605,"end":1343.005,"confidence":0.9995117,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.34438687562942505},{"word":"thank","start":1343.005,"end":1343.245,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5826824903488159},{"word":"you","start":1343.245,"end":1343.485,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6359995007514954},{"word":"so","start":1343.485,"end":1343.985,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5743787288665771},{"word":"much","start":1345.5651,"end":1346.0651,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.6926842927932739},{"word":"you","start":1346.365,"end":1346.525,"confidence":0.9980469,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4081360399723053},{"word":"too","start":1346.525,"end":1346.925,"confidence":0.9975586,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.4366066455841065},{"word":"thank","start":1346.925,"end":1347.165,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5545083284378052},{"word":"you","start":1347.165,"end":1347.645,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5915294885635376},{"word":"see","start":1347.645,"end":1347.885,"confidence":1.0,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4210340082645416},{"word":"you","start":1347.885,"end":1348.045,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4669908285140991},{"word":"later","start":1348.045,"end":1348.545,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.5078091025352478},{"word":"bye","start":1348.685,"end":1349.185,"confidence":0.99853516,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11261089146137238}],"paragraphs":{"transcript":"\nHello? Good. How are you? Yeah. It's pretty cool here too.\n\nYep. Yeah. Yeah. I can do that. Yeah.\n\nJust walk me through what's coming. Yeah. '20 3rd of the 5th 75323 Burramble Road, Burramble. Yeah. That's fine.\n\nYep. That's fine. Yep. Not really. No.\n\nJust how it's going, I guess. Yeah. Yes. I was. I've I've talked to I've now set her up with Australian Super.\n\nYeah. So I'll do that for a bit, I think, until she gets some money behind her. Yes. Yes. Yep.\n\nYeah. Yeah. At this stage, I'd yeah. I'm just sort of seeing where where I'm at, that's all, when I get to there. Yes.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nNo. That's the same. Yeah. Probably. I would say that's the way we'll go.\n\nMhmm. We've got, yeah, the car and the trucks and another truck. And now that the savings have reduced because we put that money into our home and do some renovations. Yeah. We still got a couple couple of things to finish off, like flooring and a bit of the kitchen and stuff like that.\n\nYeah. That we're still waiting waiting to finish, but, yeah, it's getting there. We're probably looking at another 15, I think. 15,000 on that by the time that's all completed. We're nearly we're nearly finished with the house.\n\nIt's just basically the flooring, just the kitchen. Like, we've gotta change where our air con is, you know, that type of thing, and and just finish off those bits and pieces in there. So, yeah, it's not an awful lot to do, but still some. Yeah. We probably I'd probably say $30.35.\n\nOh, a fair bit, actually. We probably got about 10,000 left in that savings just to yeah. But not sort of finishing. Yeah. We're trying to build that up a bit more before we finish off the house.\n\nNot so much at the moment because my husband's just he'd had to have five weeks off like he was working. He had, like, his regular casual job that he was doing as a contractor, and then they put him off just suddenly. So we he had about five weeks where he was sort of really not had a whole lot of work, but he's now gone into something that, you know, he he now has that. So it's put us behind a little bit. Yeah.\n\nSo we're just trying to build that back up now from now. So yeah. Yeah. Yeah. Mhmm.\n\nNo. Not really. So I work for the Department of Education yeah. The Department of Education. And I also work for a not for profit preschool, Wares Creek Preschool.\n\nYeah. Yeah. So one is one is from the department. Yeah. And one's a yeah.\n\nThat one. Sorry. Yep. Mhmm. No.\n\nNot no. One's a bit higher. So the one I work three days for the department and two days for the other place. So, yeah, that's where it's That's correct. Yes.\n\nNot yet. No. We've had a few things going on. So, yeah, it's been a bit busy for us. Yeah.\n\nYeah. We've been really busy too with things, so we've sort of yeah. It's just been yeah. It's been crazy. Yeah.\n\nRighto. Yep. Yeah. I'll just put it to my husband at this stage because the kids are a bit too young. Yes.\n\nI'll do it for every three years, I think, just so we can keep up to date on it. Yeah. Not that it'll probably won't change, but, you know, it's probably better to to just do a double check. Yep. Yep.\n\nYeah. I'll probably do it binding, I think, just so it's all right. Yes. Yes. Probably print them out and send them to me.\n\nBecause then I'll yeah. I'm able to do that then. I'll just yeah. Otherwise, it just gets a bit you know, it it gets clogged up in my emails and it gets lost. Yeah.\n\nI can just add those in when it comes. That's fine. Yep. Yep. Yep.\n\nNo problem. I'm just waiting for the reviews at the moment. Yep. Yep. Mhmm.\n\nYeah. Yep. Mhmm. Alright. Mhmm.\n\nOh, good. Excellent. Yes. Yep. Yep.\n\nRight. Yep. Mhmm. Right. Yep.\n\nWell, that's great. Mhmm. Yep. Mhmm. Mhmm.\n\nYeah. Yeah. Mhmm. Well, yeah. I wanna get as much as I can, but I don't wanna lose it either.\n\nSo Yep. Yeah. So it's probably better to keep as is for just the moment. Yeah. Yes.\n\nYes. Yep. Mhmm. Yep. Because I may even work beyond 60 yet.\n\nI don't know. So yeah. No. More than likely, I will be working beyond 60. Okay.\n\nYeah. Yep. Yep. So I'll probably be gonna be working for as long as I can at this stage and just yeah. Yeah.\n\nIf I want to. Yeah. When I want to. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Yes.\n\nYep. Mhmm. Yep. Mhmm. Yeah.\n\nWell, when it comes to the life insurance type thing, I can't we've looked at changing that before, but because I have rheumatoid arthritis, it's it's not gonna I'm not gonna be able to change it. No. They can't. Because yeah. I got I had I was diagnosed after I set it up.\n\nSo they said to, you know, like, the thing has been to sort of leave it because we have we have looked at it. But because I now have this diagnosis, they, you know, it's not sorta an option for me. Yeah. Yeah. I don't think it's gonna happen.\n\nNo. Yep. Yeah. Yep. Yep.\n\nYeah. And that that kinda happened with my husband. It took, like, I don't know how it worked, but, you know, the super he did have all was taken because of, you know, some choices that were made or some advice that we were given. And the premiums just went sky high, and they just paid it. And it just took all of his super.\n\nYeah. Yeah. Exactly. And we don't wanna fall into that again. Yep.\n\nYeah. Yep. And then we'll check it then. Yeah. Mhmm.\n\nI think the twelve months is probably okay at the moment. Yeah. Yep. Yep. Okay.\n\nSounds good. Mhmm. Yes. Yes. Yes.\n\nYes. Yes. Nice. Happy with your service. Yeah.\n\nMhmm. Mhmm. Right. Yep. Okay.\n\nMhmm. Yep. Sounds good. No. No.\n\nI think I'm pretty good. Thank you. Yep. No worries. Thank you so much.\n\nYou too. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.019626306369900703},{"text":"Good.","start":6.56,"end":6.96,"sentiment":"neutral","sentiment_score":0.32421618700027466},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.22395048042138418},{"text":"Yeah.","start":12.799999,"end":13.12,"sentiment":"neutral","sentiment_score":0.3048062026500702},{"text":"It's pretty cool here too.","start":13.12,"end":14.66,"sentiment":"positive","sentiment_score":0.5423293352127075}],"sentiment":"positive","sentiment_score":0.3665588012134487,"num_words":11,"start":0.56,"end":14.66},{"sentences":[{"text":"Yep.","start":17.105,"end":17.605,"sentiment":"neutral","sentiment_score":0.09202110767364502},{"text":"Yeah.","start":21.585,"end":21.904999,"sentiment":"neutral","sentiment_score":0.08167719841003418},{"text":"Yeah.","start":21.904999,"end":22.145,"sentiment":"neutral","sentiment_score":0.1206417679786682},{"text":"I can do that.","start":22.145,"end":23.205,"sentiment":"neutral","sentiment_score":0.19562198221683502},{"text":"Yeah.","start":37.32,"end":37.48,"sentiment":"neutral","sentiment_score":0.03086335770785809}],"sentiment":"neutral","sentiment_score":0.1384614200796932,"num_words":8,"start":17.105,"end":37.48},{"sentences":[{"text":"Just walk me through what's coming.","start":37.48,"end":39.18,"sentiment":"neutral","sentiment_score":0.03403475663314263},{"text":"Yeah.","start":45.96,"end":46.455,"sentiment":"neutral","sentiment_score":0.02787049487233162},{"text":"'20 3rd of the 5th 75323 Burramble Road, Burramble.","start":48.615,"end":53.835003,"sentiment":"neutral","sentiment_score":0.020726217267413933},{"text":"Yeah.","start":57.495003,"end":57.735,"sentiment":"neutral","sentiment_score":0.04422890394926071},{"text":"That's fine.","start":57.735,"end":58.555,"sentiment":"neutral","sentiment_score":0.08164006471633911}],"sentiment":"neutral","sentiment_score":0.03295389597157115,"num_words":19,"start":37.48,"end":58.555},{"sentences":[{"text":"Yep.","start":67.61,"end":68.01,"sentiment":"neutral","sentiment_score":0.05138628929853439},{"text":"That's fine.","start":68.01,"end":68.83,"sentiment":"neutral","sentiment_score":0.1285315416753292},{"text":"Yep.","start":84.045,"end":84.545,"sentiment":"neutral","sentiment_score":0.049483612179756165},{"text":"Not really.","start":89.479996,"end":90.2,"sentiment":"neutral","sentiment_score":-0.06000105291604996},{"text":"No.","start":90.2,"end":90.52,"sentiment":"neutral","sentiment_score":-0.07309502363204956}],"sentiment":"neutral","sentiment_score":0.0235479793378285,"num_words":7,"start":67.61,"end":90.52},{"sentences":[{"text":"Just how it's going, I guess.","start":90.52,"end":92.299995,"sentiment":"neutral","sentiment_score":-0.033600883558392525},{"text":"Yeah.","start":95.72,"end":96.22,"sentiment":"neutral","sentiment_score":0.05102038010954857},{"text":"Yes.","start":97.08,"end":97.58,"sentiment":"neutral","sentiment_score":0.0609252005815506},{"text":"I was.","start":103.305,"end":104.045006,"sentiment":"neutral","sentiment_score":0.045289237052202225},{"text":"I've I've talked to I've now set her up with Australian Super.","start":104.105,"end":111.005005,"sentiment":"neutral","sentiment_score":0.06492333393543959}],"sentiment":"neutral","sentiment_score":0.03545448912138289,"num_words":22,"start":90.52,"end":111.005005},{"sentences":[{"text":"Yeah.","start":112.979996,"end":113.38,"sentiment":"neutral","sentiment_score":0.049416352063417435},{"text":"So I'll do that for a bit, I think, until she gets some money behind her.","start":113.38,"end":118.67999,"sentiment":"neutral","sentiment_score":0.16300044301897287},{"text":"Yes.","start":129.155,"end":129.655,"sentiment":"neutral","sentiment_score":0.2386135756969452},{"text":"Yes.","start":131.635,"end":132.135,"sentiment":"neutral","sentiment_score":0.26956355571746826},{"text":"Yep.","start":139.715,"end":140.215,"sentiment":"neutral","sentiment_score":0.29421842098236084}],"sentiment":"neutral","sentiment_score":0.1729909496381879,"num_words":20,"start":112.979996,"end":140.215},{"sentences":[{"text":"Yeah.","start":156.21,"end":156.675,"sentiment":"neutral","sentiment_score":0.06803618371486664},{"text":"Yeah.","start":160.755,"end":161.255,"sentiment":"neutral","sentiment_score":0.037019096314907074},{"text":"At this stage, I'd yeah.","start":161.395,"end":163.655,"sentiment":"neutral","sentiment_score":-0.009316146187484265},{"text":"I'm just sort of seeing where where I'm at, that's all, when I get to there.","start":163.715,"end":169.575,"sentiment":"neutral","sentiment_score":-0.005995631312543992},{"text":"Yes.","start":177.57,"end":178.07,"sentiment":"neutral","sentiment_score":0.02576299011707306}],"sentiment":"neutral","sentiment_score":-0.0004871900746366009,"num_words":24,"start":156.21,"end":178.07},{"sentences":[{"text":"Yep.","start":181.81,"end":182.31,"sentiment":"neutral","sentiment_score":0.050851792097091675},{"text":"Yeah.","start":182.53,"end":183.03,"sentiment":"neutral","sentiment_score":0.0673706978559494},{"text":"Yeah.","start":200.34,"end":200.81999,"sentiment":"neutral","sentiment_score":0.10845104604959488},{"text":"Yep.","start":200.81999,"end":201.31999,"sentiment":"neutral","sentiment_score":0.1734979748725891},{"text":"Yep.","start":210.9,"end":211.4,"sentiment":"neutral","sentiment_score":0.08518467843532562}],"sentiment":"neutral","sentiment_score":0.09707123786211014,"num_words":5,"start":181.81,"end":211.4},{"sentences":[{"text":"No.","start":223.74501,"end":224.145,"sentiment":"neutral","sentiment_score":-0.14438818395137787},{"text":"That's the same.","start":224.145,"end":225.125,"sentiment":"neutral","sentiment_score":-0.08233734344442685},{"text":"Yeah.","start":236.04,"end":236.51999,"sentiment":"neutral","sentiment_score":0.1283721625804901},{"text":"Probably.","start":236.51999,"end":237.01999,"sentiment":"neutral","sentiment_score":0.16014359891414642},{"text":"I would say that's the way we'll go.","start":237.23999,"end":239.09999,"sentiment":"neutral","sentiment_score":0.21516562439501286}],"sentiment":"neutral","sentiment_score":0.11560289588357721,"num_words":14,"start":223.74501,"end":239.09999},{"sentences":[{"text":"Mhmm.","start":247.295,"end":247.795,"sentiment":"neutral","sentiment_score":0.1722099930047989},{"text":"We've got, yeah, the car and the trucks and another truck.","start":250.015,"end":256.71002,"sentiment":"neutral","sentiment_score":0.06154132837598974},{"text":"And now that the savings have reduced because we put that money into our home and do some renovations.","start":258.29,"end":268.265,"sentiment":"neutral","sentiment_score":0.12793805567841782},{"text":"Yeah.","start":268.48502,"end":268.98502,"sentiment":"neutral","sentiment_score":0.07729420065879822},{"text":"We still got a couple couple of things to finish off, like flooring and a bit of the kitchen and stuff like that.","start":272.96503,"end":279.86502,"sentiment":"neutral","sentiment_score":0.02036065000878728}],"sentiment":"neutral","sentiment_score":0.06955594207075509,"num_words":55,"start":247.295,"end":279.86502},{"sentences":[{"text":"Yeah.","start":281.58002,"end":281.98,"sentiment":"neutral","sentiment_score":0.031188471242785457},{"text":"That we're still waiting waiting to finish, but, yeah, it's getting there.","start":281.98,"end":286.32,"sentiment":"neutral","sentiment_score":0.043359233532100916},{"text":"We're probably looking at another 15, I think.","start":290.38,"end":293.92,"sentiment":"neutral","sentiment_score":0.002512433275114745},{"text":"15,000 on that by the time that's all completed.","start":294.17502,"end":298.195,"sentiment":"neutral","sentiment_score":0.046262170291609235},{"text":"We're nearly we're nearly finished with the house.","start":299.93503,"end":302.815,"sentiment":"neutral","sentiment_score":0.31780320405960083}],"sentiment":"neutral","sentiment_score":0.09290483960342642,"num_words":38,"start":281.58002,"end":302.815},{"sentences":[{"text":"It's just basically the flooring, just the kitchen.","start":302.815,"end":308.23,"sentiment":"neutral","sentiment_score":0.13717529736459255},{"text":"Like, we've gotta change where our air con is, you know, that type of thing, and and just finish off those bits and pieces in there.","start":308.23,"end":316.16998,"sentiment":"neutral","sentiment_score":0.06282951267292866},{"text":"So, yeah, it's not an awful lot to do, but still some.","start":317.11,"end":332.23502,"sentiment":"neutral","sentiment_score":0.03838646691292524},{"text":"Yeah.","start":336.84003,"end":337.34003,"sentiment":"neutral","sentiment_score":0.036404088139534},{"text":"We probably I'd probably say $30.35.","start":337.40002,"end":343.58002,"sentiment":"neutral","sentiment_score":0.0320168063044548}],"sentiment":"neutral","sentiment_score":0.06453041957234437,"num_words":53,"start":302.815,"end":343.58002},{"sentences":[{"text":"Oh, a fair bit, actually.","start":351.395,"end":352.835,"sentiment":"neutral","sentiment_score":0.04186645373702049},{"text":"We probably got about 10,000 left in that savings just to yeah.","start":352.835,"end":357.335,"sentiment":"neutral","sentiment_score":0.0565940022158126},{"text":"But not sort of finishing.","start":358.595,"end":360.215,"sentiment":"negative","sentiment_score":-0.5483619868755341},{"text":"Yeah.","start":362.275,"end":362.595,"sentiment":"neutral","sentiment_score":-0.047938063740730286},{"text":"We're trying to build that up a bit more before we finish off the house.","start":362.595,"end":366.33,"sentiment":"neutral","sentiment_score":0.0004324175417423248}],"sentiment":"neutral","sentiment_score":-0.049863195782037156,"num_words":38,"start":351.395,"end":366.33},{"sentences":[{"text":"Not so much at the moment because my husband's just he'd had to have five weeks off like he was working.","start":376.25,"end":383.875,"sentiment":"neutral","sentiment_score":-0.26742817887238096},{"text":"He had, like, his regular casual job that he was doing as a contractor, and then they put him off just suddenly.","start":383.875,"end":393.49503,"sentiment":"neutral","sentiment_score":-0.175304731184786},{"text":"So we he had about five weeks where he was sort of really not had a whole lot of work, but he's now gone into something that, you know, he he now has that.","start":394.56,"end":407.84,"sentiment":"neutral","sentiment_score":-0.20985868945717812},{"text":"So it's put us behind a little bit.","start":407.84,"end":410.02002,"sentiment":"neutral","sentiment_score":-0.17585073318332434},{"text":"Yeah.","start":411.44498,"end":411.925,"sentiment":"neutral","sentiment_score":0.04056823253631592}],"sentiment":"neutral","sentiment_score":-0.20900149903325146,"num_words":86,"start":376.25,"end":411.925},{"sentences":[{"text":"So we're just trying to build that back up now from now.","start":411.925,"end":414.985,"sentiment":"neutral","sentiment_score":0.06934772928555806},{"text":"So yeah.","start":416.88498,"end":417.865,"sentiment":"neutral","sentiment_score":0.2366219311952591},{"text":"Yeah.","start":420.645,"end":421.145,"sentiment":"neutral","sentiment_score":0.09768246114253998},{"text":"Yeah.","start":421.205,"end":421.705,"sentiment":"neutral","sentiment_score":0.07113251090049744},{"text":"Mhmm.","start":432.28998,"end":432.78998,"sentiment":"neutral","sentiment_score":0.02274365723133087}],"sentiment":"neutral","sentiment_score":0.08805736724068136,"num_words":17,"start":411.925,"end":432.78998},{"sentences":[{"text":"No.","start":434.68997,"end":435.00998,"sentiment":"neutral","sentiment_score":-0.12994934618473053},{"text":"Not really.","start":435.00998,"end":435.83,"sentiment":"neutral","sentiment_score":-0.13464756309986115},{"text":"So I work for the Department of Education yeah.","start":440.985,"end":448.52002,"sentiment":"neutral","sentiment_score":0.02035172118080987},{"text":"The Department of Education.","start":448.52002,"end":449.82,"sentiment":"neutral","sentiment_score":0.02353927632793784},{"text":"And I also work for a not for profit preschool, Wares Creek Preschool.","start":451.24002,"end":455.98,"sentiment":"neutral","sentiment_score":0.02186822246473569}],"sentiment":"neutral","sentiment_score":0.005598793641246599,"num_words":29,"start":434.68997,"end":455.98},{"sentences":[{"text":"Yeah.","start":460.76,"end":461.16,"sentiment":"neutral","sentiment_score":0.013624481856822968},{"text":"Yeah.","start":461.16,"end":461.56,"sentiment":"neutral","sentiment_score":0.011962872929871082},{"text":"So one is one is from the department.","start":461.56,"end":463.66,"sentiment":"neutral","sentiment_score":0.005043731653131545},{"text":"Yeah.","start":464.79498,"end":465.195,"sentiment":"neutral","sentiment_score":0.012965109199285507},{"text":"And one's a yeah.","start":465.195,"end":470.715,"sentiment":"neutral","sentiment_score":-0.0024869528133422136}],"sentiment":"neutral","sentiment_score":0.004596967063844204,"num_words":15,"start":460.76,"end":470.715},{"sentences":[{"text":"That one.","start":470.715,"end":472.155,"sentiment":"neutral","sentiment_score":-0.012425607070326805},{"text":"Sorry.","start":472.155,"end":472.655,"sentiment":"neutral","sentiment_score":-0.05036371201276779},{"text":"Yep.","start":474.79498,"end":475.29498,"sentiment":"neutral","sentiment_score":-0.033965058624744415},{"text":"Mhmm.","start":477.435,"end":477.935,"sentiment":"neutral","sentiment_score":-0.014294778928160667},{"text":"No.","start":486.73,"end":487.05,"sentiment":"neutral","sentiment_score":-0.10678216069936752}],"sentiment":"neutral","sentiment_score":-0.038376154067615666,"num_words":6,"start":470.715,"end":487.05},{"sentences":[{"text":"Not no.","start":487.05,"end":488.09,"sentiment":"neutral","sentiment_score":-0.1718725487589836},{"text":"One's a bit higher.","start":488.09,"end":489.13,"sentiment":"neutral","sentiment_score":-0.17605557292699814},{"text":"So the one I work three days for the department and two days for the other place.","start":489.13,"end":494.27,"sentiment":"neutral","sentiment_score":-0.04176554160521311},{"text":"So, yeah, that's where it's That's correct.","start":495.255,"end":511.28,"sentiment":"neutral","sentiment_score":0.12071490660309792},{"text":"Yes.","start":511.28,"end":511.78,"sentiment":"positive","sentiment_score":0.36945489048957825}],"sentiment":"neutral","sentiment_score":-0.01753297934849416,"num_words":31,"start":487.05,"end":511.78},{"sentences":[{"text":"Not yet.","start":516.8,"end":517.68,"sentiment":"neutral","sentiment_score":-0.10850261524319649},{"text":"No.","start":517.68,"end":517.92,"sentiment":"neutral","sentiment_score":-0.17276115715503693},{"text":"We've had a few things going on.","start":517.92,"end":519.76,"sentiment":"neutral","sentiment_score":-0.15271221739905222},{"text":"So, yeah, it's been a bit busy for us.","start":519.76,"end":523.655,"sentiment":"neutral","sentiment_score":-0.12569543977992403},{"text":"Yeah.","start":524.59503,"end":524.995,"sentiment":"neutral","sentiment_score":-0.06327889114618301}],"sentiment":"neutral","sentiment_score":-0.13266448793001473,"num_words":20,"start":516.8,"end":524.995},{"sentences":[{"text":"Yeah.","start":524.995,"end":525.315,"sentiment":"neutral","sentiment_score":-0.07804737985134125},{"text":"We've been really busy too with things, so we've sort of yeah.","start":525.315,"end":530.85504,"sentiment":"neutral","sentiment_score":-0.15169429841140905},{"text":"It's just been yeah.","start":531.635,"end":532.995,"sentiment":"neutral","sentiment_score":-0.09589681960642338},{"text":"It's been crazy.","start":532.995,"end":533.895,"sentiment":"neutral","sentiment_score":-0.1894930899143219},{"text":"Yeah.","start":557.385,"end":557.70496,"sentiment":"neutral","sentiment_score":0.07707362622022629}],"sentiment":"neutral","sentiment_score":-0.13206532774936586,"num_words":21,"start":524.995,"end":557.70496},{"sentences":[{"text":"Righto.","start":557.70496,"end":558.185,"sentiment":"neutral","sentiment_score":0.08932016789913177},{"text":"Yep.","start":558.185,"end":558.685,"sentiment":"neutral","sentiment_score":0.07860520482063293},{"text":"Yeah.","start":565.98,"end":566.3,"sentiment":"neutral","sentiment_score":0.010262610390782356},{"text":"I'll just put it to my husband at this stage because the kids are a bit too young.","start":566.3,"end":570.32,"sentiment":"neutral","sentiment_score":-0.02796740752334396},{"text":"Yes.","start":580.275,"end":580.775,"sentiment":"neutral","sentiment_score":0.06374421715736389}],"sentiment":"neutral","sentiment_score":-0.011885506143285469,"num_words":22,"start":557.70496,"end":580.775},{"sentences":[{"text":"I'll do it for every three years, I think, just so we can keep up to date on it.","start":595.89,"end":601.03,"sentiment":"neutral","sentiment_score":0.08603548317363388},{"text":"Yeah.","start":602.195,"end":602.515,"sentiment":"neutral","sentiment_score":0.16613146662712097},{"text":"Not that it'll probably won't change, but, you know, it's probably better to to just do a double check.","start":602.515,"end":609.17505,"sentiment":"neutral","sentiment_score":0.07220895431543652},{"text":"Yep.","start":616.03503,"end":616.38,"sentiment":"neutral","sentiment_score":0.02433452568948269},{"text":"Yep.","start":630.94,"end":631.44,"sentiment":"neutral","sentiment_score":0.00633995421230793}],"sentiment":"neutral","sentiment_score":0.07813293314198168,"num_words":41,"start":595.89,"end":631.44},{"sentences":[{"text":"Yeah.","start":635.575,"end":636.075,"sentiment":"neutral","sentiment_score":0.01698984019458294},{"text":"I'll probably do it binding, I think, just so it's all right.","start":637.255,"end":641.675,"sentiment":"neutral","sentiment_score":0.10971620647857587},{"text":"Yes.","start":646.455,"end":646.955,"sentiment":"neutral","sentiment_score":0.20263132452964783},{"text":"Yes.","start":647.81,"end":648.31,"sentiment":"neutral","sentiment_score":0.28143590688705444},{"text":"Probably print them out and send them to me.","start":666.065,"end":668.645,"sentiment":"neutral","sentiment_score":0.11387862927383846}],"sentiment":"neutral","sentiment_score":0.11843996720078091,"num_words":24,"start":635.575,"end":668.645},{"sentences":[{"text":"Because then I'll yeah.","start":668.78503,"end":670.54504,"sentiment":"neutral","sentiment_score":0.14108069986104965},{"text":"I'm able to do that then.","start":670.54504,"end":671.905,"sentiment":"neutral","sentiment_score":0.17342851559321085},{"text":"I'll just yeah.","start":671.905,"end":674.24,"sentiment":"neutral","sentiment_score":0.05727283904949824},{"text":"Otherwise, it just gets a bit you know, it it gets clogged up in my emails and it gets lost.","start":674.24,"end":680.96,"sentiment":"neutral","sentiment_score":-0.126152141392231},{"text":"Yeah.","start":680.96,"end":681.46,"sentiment":"neutral","sentiment_score":0.04116010665893555}],"sentiment":"neutral","sentiment_score":-0.020740303265697816,"num_words":34,"start":668.78503,"end":681.46},{"sentences":[{"text":"I can just add those in when it comes.","start":691.34503,"end":693.36505,"sentiment":"neutral","sentiment_score":0.14798165361086527},{"text":"That's fine.","start":693.42505,"end":694.16504,"sentiment":"neutral","sentiment_score":0.3277732580900192},{"text":"Yep.","start":701.265,"end":701.55,"sentiment":"neutral","sentiment_score":0.06290008872747421},{"text":"Yep.","start":704.67,"end":705.17,"sentiment":"neutral","sentiment_score":0.05846214294433594},{"text":"Yep.","start":706.58997,"end":707.08997,"sentiment":"neutral","sentiment_score":0.11804883182048798}],"sentiment":"neutral","sentiment_score":0.15905660444072314,"num_words":14,"start":691.34503,"end":707.08997},{"sentences":[{"text":"No problem.","start":707.14996,"end":707.89,"sentiment":"positive","sentiment_score":0.3910423666238785},{"text":"I'm just waiting for the reviews at the moment.","start":716.61505,"end":718.955,"sentiment":"neutral","sentiment_score":0.03851720131933689},{"text":"Yep.","start":727.575,"end":727.89,"sentiment":"neutral","sentiment_score":0.0021995529532432556},{"text":"Yep.","start":729.89,"end":730.39,"sentiment":"neutral","sentiment_score":0.04108838737010956},{"text":"Mhmm.","start":737.25,"end":737.75,"sentiment":"neutral","sentiment_score":0.04116307199001312}],"sentiment":"neutral","sentiment_score":0.08665646838822536,"num_words":14,"start":707.14996,"end":737.75},{"sentences":[{"text":"Yeah.","start":737.97003,"end":738.47003,"sentiment":"neutral","sentiment_score":0.0840727835893631},{"text":"Yep.","start":738.53,"end":739.03,"sentiment":"neutral","sentiment_score":0.10394187271595},{"text":"Mhmm.","start":745.215,"end":745.715,"sentiment":"neutral","sentiment_score":0.25387775897979736},{"text":"Alright.","start":756.7,"end":757.2,"sentiment":"neutral","sentiment_score":-0.0284122284501791},{"text":"Mhmm.","start":757.98,"end":758.48,"sentiment":"neutral","sentiment_score":0.07912860810756683}],"sentiment":"neutral","sentiment_score":0.09852175898849964,"num_words":5,"start":737.97003,"end":758.48},{"sentences":[{"text":"Oh, good.","start":761.82,"end":762.56,"sentiment":"positive","sentiment_score":0.36867856979370117},{"text":"Excellent.","start":766.77997,"end":767.27997,"sentiment":"positive","sentiment_score":0.3930317163467407},{"text":"Yes.","start":773.145,"end":773.645,"sentiment":"neutral","sentiment_score":-0.1098194420337677},{"text":"Yep.","start":783.305,"end":783.805,"sentiment":"neutral","sentiment_score":-0.08936222642660141},{"text":"Yep.","start":791.15,"end":791.65,"sentiment":"neutral","sentiment_score":-0.03703667223453522}],"sentiment":"neutral","sentiment_score":0.14902841920653978,"num_words":6,"start":761.82,"end":791.65},{"sentences":[{"text":"Right.","start":792.02997,"end":792.52997,"sentiment":"neutral","sentiment_score":-0.04430598020553589},{"text":"Yep.","start":799.52496,"end":800.02496,"sentiment":"positive","sentiment_score":0.4793958365917206},{"text":"Mhmm.","start":802.08496,"end":802.58496,"sentiment":"neutral","sentiment_score":0.00894597265869379},{"text":"Right.","start":809.285,"end":809.785,"sentiment":"neutral","sentiment_score":0.14896026253700256},{"text":"Yep.","start":810.165,"end":810.665,"sentiment":"positive","sentiment_score":0.3398938775062561}],"sentiment":"neutral","sentiment_score":0.18657799381762744,"num_words":5,"start":792.02997,"end":810.665},{"sentences":[{"text":"Well, that's great.","start":814.8,"end":815.7,"sentiment":"positive","sentiment_score":0.4291974703470866},{"text":"Mhmm.","start":823.92,"end":824.42,"sentiment":"neutral","sentiment_score":-0.03209783881902695},{"text":"Yep.","start":826.32,"end":826.82,"sentiment":"neutral","sentiment_score":0.02505448088049889},{"text":"Mhmm.","start":835.135,"end":835.635,"sentiment":"neutral","sentiment_score":-0.015754971653223038},{"text":"Mhmm.","start":838.415,"end":838.915,"sentiment":"neutral","sentiment_score":-0.024917252361774445}],"sentiment":"neutral","sentiment_score":0.17712526129824774,"num_words":7,"start":814.8,"end":838.915},{"sentences":[{"text":"Yeah.","start":850.45,"end":850.85,"sentiment":"neutral","sentiment_score":-0.012492399662733078},{"text":"Yeah.","start":850.85,"end":851.35,"sentiment":"neutral","sentiment_score":-0.010120375081896782},{"text":"Mhmm.","start":857.005,"end":857.505,"sentiment":"neutral","sentiment_score":-0.0073249442502856255},{"text":"Well, yeah.","start":870.87,"end":871.35,"sentiment":"neutral","sentiment_score":-0.03271775133907795},{"text":"I wanna get as much as I can, but I don't wanna lose it either.","start":871.35,"end":874.55,"sentiment":"neutral","sentiment_score":-0.015501244241992633}],"sentiment":"neutral","sentiment_score":-0.016394594265148044,"num_words":20,"start":850.45,"end":874.55},{"sentences":[{"text":"So Yep.","start":874.55,"end":898.275,"sentiment":"neutral","sentiment_score":-0.024224862456321716},{"text":"Yeah.","start":901.17004,"end":901.67004,"sentiment":"neutral","sentiment_score":0.2076653689146042},{"text":"So it's probably better to keep as is for just the moment.","start":902.13,"end":905.59,"sentiment":"neutral","sentiment_score":0.20167869329452515},{"text":"Yeah.","start":910.69,"end":911.19,"sentiment":"neutral","sentiment_score":0.11022093892097472},{"text":"Yes.","start":916.265,"end":916.765,"sentiment":"neutral","sentiment_score":0.19810856878757477}],"sentiment":"neutral","sentiment_score":0.16986408654381246,"num_words":17,"start":874.55,"end":916.765},{"sentences":[{"text":"Yes.","start":922.825,"end":923.325,"sentiment":"neutral","sentiment_score":0.15422898530960083},{"text":"Yep.","start":939.87,"end":940.37,"sentiment":"neutral","sentiment_score":0.14565898478031158},{"text":"Mhmm.","start":940.43,"end":940.93,"sentiment":"neutral","sentiment_score":0.0796893835067749},{"text":"Yep.","start":948.385,"end":948.885,"sentiment":"neutral","sentiment_score":0.11665632575750352},{"text":"Because I may even work beyond 60 yet.","start":949.425,"end":951.905,"sentiment":"neutral","sentiment_score":0.024947164114564657}],"sentiment":"neutral","sentiment_score":0.05798424935589234,"num_words":12,"start":922.825,"end":951.905},{"sentences":[{"text":"I don't know.","start":951.905,"end":952.72504,"sentiment":"neutral","sentiment_score":-0.11662030220031738},{"text":"So yeah.","start":953.10504,"end":957.60004,"sentiment":"neutral","sentiment_score":-0.10399661585688591},{"text":"No.","start":957.60004,"end":958.10004,"sentiment":"neutral","sentiment_score":-0.09001205116510391},{"text":"More than likely, I will be working beyond 60.","start":958.56,"end":961.30005,"sentiment":"neutral","sentiment_score":-0.05075038307242923},{"text":"Okay.","start":962.96,"end":963.46,"sentiment":"neutral","sentiment_score":0.03703330084681511}],"sentiment":"neutral","sentiment_score":-0.06672414601780474,"num_words":16,"start":951.905,"end":963.46},{"sentences":[{"text":"Yeah.","start":967.84,"end":968.34,"sentiment":"neutral","sentiment_score":0.03176537901163101},{"text":"Yep.","start":969.255,"end":969.755,"sentiment":"neutral","sentiment_score":0.20238736271858215},{"text":"Yep.","start":971.015,"end":971.41504,"sentiment":"neutral","sentiment_score":0.2686828672885895},{"text":"So I'll probably be gonna be working for as long as I can at this stage and just yeah.","start":971.41504,"end":980.155,"sentiment":"neutral","sentiment_score":0.2010318276129271},{"text":"Yeah.","start":980.775,"end":981.17505,"sentiment":"neutral","sentiment_score":0.03783233463764191}],"sentiment":"neutral","sentiment_score":0.18957707253487213,"num_words":23,"start":967.84,"end":981.17505},{"sentences":[{"text":"If I want to.","start":981.17505,"end":982.315,"sentiment":"neutral","sentiment_score":0.02515614265576005},{"text":"Yeah.","start":982.375,"end":982.875,"sentiment":"neutral","sentiment_score":0.14064808189868927},{"text":"When I want to.","start":983.83,"end":984.63,"sentiment":"neutral","sentiment_score":0.13118359819054604},{"text":"Yep.","start":984.63,"end":985.13,"sentiment":"neutral","sentiment_score":0.12833815813064575},{"text":"Yep.","start":990.55,"end":991.05,"sentiment":"neutral","sentiment_score":0.017438750714063644}],"sentiment":"neutral","sentiment_score":0.08288945037532937,"num_words":11,"start":981.17505,"end":991.05},{"sentences":[{"text":"Yep.","start":995.91003,"end":996.41003,"sentiment":"neutral","sentiment_score":0.2094210386276245},{"text":"Yep.","start":998.36505,"end":998.86505,"sentiment":"neutral","sentiment_score":0.10687671601772308},{"text":"Mhmm.","start":1005.16504,"end":1005.66504,"sentiment":"neutral","sentiment_score":-0.25566771626472473},{"text":"Yep.","start":1006.125,"end":1006.625,"sentiment":"neutral","sentiment_score":-0.05723046883940697},{"text":"Yes.","start":1010.525,"end":1011.025,"sentiment":"neutral","sentiment_score":0.12208981066942216}],"sentiment":"neutral","sentiment_score":0.02509787604212761,"num_words":5,"start":995.91003,"end":1011.025},{"sentences":[{"text":"Yep.","start":1011.245,"end":1011.745,"sentiment":"neutral","sentiment_score":0.14495323598384857},{"text":"Mhmm.","start":1015.48,"end":1015.98,"sentiment":"neutral","sentiment_score":0.03528086096048355},{"text":"Yep.","start":1026.6,"end":1027.1,"sentiment":"neutral","sentiment_score":0.07733838260173798},{"text":"Mhmm.","start":1043.485,"end":1043.725,"sentiment":"neutral","sentiment_score":-0.0417315810918808},{"text":"Yeah.","start":1043.725,"end":1044.18,"sentiment":"neutral","sentiment_score":-0.024730313569307327}],"sentiment":"neutral","sentiment_score":0.038222116976976396,"num_words":5,"start":1011.245,"end":1044.18},{"sentences":[{"text":"Well, when it comes to the life insurance type thing, I can't we've looked at changing that before, but because I have rheumatoid arthritis, it's it's not gonna I'm not gonna be able to change it.","start":1056.02,"end":1070.005,"sentiment":"neutral","sentiment_score":-0.3255540757543511},{"text":"No.","start":1077.1,"end":1077.5,"sentiment":"neutral","sentiment_score":-0.27410709857940674},{"text":"They can't.","start":1077.5,"end":1078.24,"sentiment":"neutral","sentiment_score":-0.27877095341682434},{"text":"Because yeah.","start":1079.0199,"end":1080.5599,"sentiment":"neutral","sentiment_score":-0.19664836674928665},{"text":"I got I had I was diagnosed after I set it up.","start":1080.62,"end":1086.6399,"sentiment":"neutral","sentiment_score":-0.19936648880441984}],"sentiment":"neutral","sentiment_score":-0.2893828364475718,"num_words":53,"start":1056.02,"end":1086.6399},{"sentences":[{"text":"So they said to, you know, like, the thing has been to sort of leave it because we have we have looked at it.","start":1087.755,"end":1095.2151,"sentiment":"neutral","sentiment_score":-0.26013929086426896},{"text":"But because I now have this diagnosis, they, you know, it's not sorta an option for me.","start":1095.3551,"end":1105.03,"sentiment":"negative","sentiment_score":-0.4390698583687053},{"text":"Yeah.","start":1112.13,"end":1112.63,"sentiment":"neutral","sentiment_score":-0.09172801673412324},{"text":"Yeah.","start":1112.77,"end":1113.17,"sentiment":"neutral","sentiment_score":-0.11445967853069304},{"text":"I don't think it's gonna happen.","start":1113.17,"end":1114.9501,"sentiment":"neutral","sentiment_score":-0.22288442899783453}],"sentiment":"neutral","sentiment_score":-0.31124540494412795,"num_words":49,"start":1087.755,"end":1114.9501},{"sentences":[{"text":"No.","start":1115.25,"end":1115.685,"sentiment":"neutral","sentiment_score":-0.15275371074676514},{"text":"Yep.","start":1116.2451,"end":1116.7451,"sentiment":"neutral","sentiment_score":-0.0019394606351852417},{"text":"Yeah.","start":1125.525,"end":1126.005,"sentiment":"neutral","sentiment_score":0.0581093393266201},{"text":"Yep.","start":1126.005,"end":1126.505,"sentiment":"neutral","sentiment_score":0.0859752744436264},{"text":"Yep.","start":1135.04,"end":1135.54,"sentiment":"neutral","sentiment_score":0.16763216257095337}],"sentiment":"neutral","sentiment_score":0.0314047209918499,"num_words":5,"start":1115.25,"end":1135.54},{"sentences":[{"text":"Yeah.","start":1146.615,"end":1147.115,"sentiment":"neutral","sentiment_score":-0.00856766663491726},{"text":"And that that kinda happened with my husband.","start":1147.335,"end":1150.875,"sentiment":"neutral","sentiment_score":-0.05116946203634143},{"text":"It took, like, I don't know how it worked, but, you know, the super he did have all was taken because of, you know, some choices that were made or some advice that we were given.","start":1152.775,"end":1166.0,"sentiment":"neutral","sentiment_score":-0.009062582782159248},{"text":"And the premiums just went sky high, and they just paid it.","start":1166.38,"end":1169.8201,"sentiment":"neutral","sentiment_score":-0.11373320842782657},{"text":"And it just took all of his super.","start":1169.8201,"end":1171.76,"sentiment":"neutral","sentiment_score":-0.10396080929785967}],"sentiment":"neutral","sentiment_score":-0.045240943363079655,"num_words":65,"start":1146.615,"end":1171.76},{"sentences":[{"text":"Yeah.","start":1176.515,"end":1177.015,"sentiment":"neutral","sentiment_score":-0.008978486061096191},{"text":"Yeah.","start":1188.21,"end":1188.61,"sentiment":"neutral","sentiment_score":-0.03181564062833786},{"text":"Exactly.","start":1188.61,"end":1189.11,"sentiment":"neutral","sentiment_score":-0.01796196773648262},{"text":"And we don't wanna fall into that again.","start":1189.17,"end":1191.27,"sentiment":"neutral","sentiment_score":-0.10428943857550621},{"text":"Yep.","start":1192.21,"end":1192.71,"sentiment":"neutral","sentiment_score":0.003021119860932231}],"sentiment":"neutral","sentiment_score":-0.07417087359741951,"num_words":12,"start":1176.515,"end":1192.71},{"sentences":[{"text":"Yeah.","start":1197.41,"end":1197.91,"sentiment":"neutral","sentiment_score":0.008179265074431896},{"text":"Yep.","start":1200.195,"end":1200.595,"sentiment":"neutral","sentiment_score":0.05712857097387314},{"text":"And then we'll check it then.","start":1200.595,"end":1201.975,"sentiment":"neutral","sentiment_score":0.04527353619535764},{"text":"Yeah.","start":1203.635,"end":1204.135,"sentiment":"neutral","sentiment_score":0.20189043879508972},{"text":"Mhmm.","start":1211.155,"end":1211.655,"sentiment":"neutral","sentiment_score":0.01832524687051773}],"sentiment":"neutral","sentiment_score":0.05571647388860583,"num_words":10,"start":1197.41,"end":1211.655},{"sentences":[{"text":"I think the twelve months is probably okay at the moment.","start":1224.91,"end":1230.585,"sentiment":"neutral","sentiment_score":0.10745478455315936},{"text":"Yeah.","start":1237.205,"end":1237.705,"sentiment":"neutral","sentiment_score":0.10405868291854858},{"text":"Yep.","start":1238.4049,"end":1238.9049,"sentiment":"neutral","sentiment_score":0.11136259883642197},{"text":"Yep.","start":1245.01,"end":1245.25,"sentiment":"neutral","sentiment_score":0.15487515926361084},{"text":"Okay.","start":1245.25,"end":1245.75,"sentiment":"positive","sentiment_score":0.3393649458885193}],"sentiment":"neutral","sentiment_score":0.1261109344661236,"num_words":15,"start":1224.91,"end":1245.75},{"sentences":[{"text":"Sounds good.","start":1246.61,"end":1247.4299,"sentiment":"positive","sentiment_score":0.5276544392108917},{"text":"Mhmm.","start":1261.145,"end":1261.2251,"sentiment":"neutral","sentiment_score":0.05089616030454635},{"text":"Yes.","start":1261.2251,"end":1261.7251,"sentiment":"neutral","sentiment_score":0.05434972047805786},{"text":"Yes.","start":1262.5851,"end":1263.0851,"sentiment":"neutral","sentiment_score":0.07495458424091339},{"text":"Yes.","start":1263.9451,"end":1264.4451,"sentiment":"neutral","sentiment_score":0.17636339366436005}],"sentiment":"neutral","sentiment_score":0.23531212285161018,"num_words":6,"start":1246.61,"end":1264.4451},{"sentences":[{"text":"Yes.","start":1285.3949,"end":1285.8949,"sentiment":"neutral","sentiment_score":0.12360237538814545},{"text":"Yes.","start":1288.4349,"end":1288.9349,"sentiment":"neutral","sentiment_score":0.3196335732936859},{"text":"Nice.","start":1288.995,"end":1289.495,"sentiment":"positive","sentiment_score":0.5778709650039673},{"text":"Happy with your service.","start":1289.7949,"end":1291.0149,"sentiment":"positive","sentiment_score":0.5525809079408646},{"text":"Yeah.","start":1291.5549,"end":1292.0549,"sentiment":"neutral","sentiment_score":0.1601176559925079}],"sentiment":"positive","sentiment_score":0.4239435251802206,"num_words":8,"start":1285.3949,"end":1292.0549},{"sentences":[{"text":"Mhmm.","start":1296.87,"end":1297.37,"sentiment":"neutral","sentiment_score":0.007978362031280994},{"text":"Mhmm.","start":1304.5499,"end":1305.0499,"sentiment":"neutral","sentiment_score":0.04977842420339584},{"text":"Right.","start":1309.5449,"end":1310.0449,"sentiment":"neutral","sentiment_score":-0.03648430109024048},{"text":"Yep.","start":1314.105,"end":1314.605,"sentiment":"neutral","sentiment_score":0.04695999622344971},{"text":"Okay.","start":1314.745,"end":1315.245,"sentiment":"neutral","sentiment_score":0.03125464543700218}],"sentiment":"neutral","sentiment_score":0.01989742536097765,"num_words":5,"start":1296.87,"end":1315.245},{"sentences":[{"text":"Mhmm.","start":1319.865,"end":1320.365,"sentiment":"neutral","sentiment_score":0.03635844960808754},{"text":"Yep.","start":1323.66,"end":1324.14,"sentiment":"neutral","sentiment_score":0.30661541223526},{"text":"Sounds good.","start":1324.14,"end":1324.9601,"sentiment":"positive","sentiment_score":0.7458966672420502},{"text":"No.","start":1328.4601,"end":1328.78,"sentiment":"neutral","sentiment_score":-0.08827194571495056},{"text":"No.","start":1328.78,"end":1329.1,"sentiment":"neutral","sentiment_score":-0.09317968040704729}],"sentiment":"neutral","sentiment_score":0.2755525950342417,"num_words":6,"start":1319.865,"end":1329.1},{"sentences":[{"text":"I think I'm pretty good.","start":1329.1,"end":1330.3201,"sentiment":"neutral","sentiment_score":0.2767087548971176},{"text":"Thank you.","start":1334.4601,"end":1335.28,"sentiment":"neutral","sentiment_score":0.2522856816649437},{"text":"Yep.","start":1341.805,"end":1342.285,"sentiment":"neutral","sentiment_score":0.1890798807144165},{"text":"No worries.","start":1342.285,"end":1343.005,"sentiment":"neutral","sentiment_score":0.30079397559165955},{"text":"Thank you so much.","start":1343.005,"end":1346.0651,"sentiment":"positive","sentiment_score":0.6214362531900406}],"sentiment":"positive","sentiment_score":0.3688948558909552,"num_words":14,"start":1329.1,"end":1346.0651},{"sentences":[{"text":"You too.","start":1346.365,"end":1346.925,"sentiment":"positive","sentiment_score":0.42237134277820587},{"text":"Thank you.","start":1346.925,"end":1347.645,"sentiment":"positive","sentiment_score":0.5730189085006714},{"text":"See you later.","start":1347.645,"end":1348.545,"sentiment":"positive","sentiment_score":0.4652779797712962},{"text":"Bye.","start":1348.685,"end":1349.185,"sentiment":"neutral","sentiment_score":-0.11261089146137238}],"sentiment":"positive","sentiment_score":0.40925044380128384,"num_words":8,"start":1346.365,"end":1349.185}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Barbara. It's Tommy here, senior adviser of Oakview. How are you doing today?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing fantastic. It's a very cool, chill day on the Gold Coast. What about your end?\n\nChannel 1: Yeah. It's pretty cool here too.\n\nChannel 0: Great to hear. Great to hear. I've got you\n\nChannel 1: Yep.\n\nChannel 0: booked in to go through a bit of an annual review. Do you still have time for me?\n\nChannel 1: Yeah. Yeah. I can do that.\n\nChannel 0: Perfect. I'm just gonna go through a quick security check with you, and I've got an email pack to send through to you for your review. Will you be able to look onto the emails with me today, or should I just kind of walk you through what's coming?\n\nChannel 1: Yeah. Just walk me through what's coming.\n\nChannel 0: Yep. No worries at all. Barbara, I'm registered with adviser one two seven three one zero five. Could I\n\nChannel 1: Yeah.\n\nChannel 0: please confirm your date of birth and address?\n\nChannel 1: '20 3rd of the 5th 75323 Burramble Road, Burramble.\n\nChannel 0: Perfect. And are you okay for the call to be recorded?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Sensational. So I've got your asBobWoods1@Hotmail.com. Is that still okay for documentation?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Awesome. So I'll pop that through to you now. Now for the review today, I've got some updated information on the super certificate of currency for your insurances coming through and just some updated financial services guide with Oakview.\n\nChannel 1: Yep.\n\nChannel 0: Now is there anything in particular that you wanna focus on for this year's review?\n\nChannel 1: Not really. No. Just how it's going, I guess.\n\nChannel 0: Perfect. Just a bit of a general update.\n\nChannel 1: Yeah.\n\nChannel 0: And I did\n\nChannel 1: Yes.\n\nChannel 0: have a bit of a note there that you were trying to look at some super for your daughter, I believe, going\n\nChannel 1: I\n\nChannel 0: through\n\nChannel 1: was. I've\n\nChannel 0: early\n\nChannel 1: I've\n\nChannel 0: employment.\n\nChannel 1: talked to I've now set her up with Australian Super.\n\nChannel 0: Amazing.\n\nChannel 1: Yeah. So I'll do that for a bit, I think, until she gets some money behind her.\n\nChannel 0: Yeah. That's a pretty good pretty good idea. Normally, for people's first job, first super, it's really good to get that kind of low fee industry fund to start with to build up their first\n\nChannel 1: Yes.\n\nChannel 0: 50 to 80,000. And it\n\nChannel 1: Yes.\n\nChannel 0: just means that they've got a bit of a chance for those early contributions to actually grow before they do anything fancy after that.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now I'm just having a quick look about some of these details I need to update on our new system, Bob. But goals wise, I do have here that we're looking to try and retire as early as possible towards age 60, which is when you\n\nChannel 1: Yeah.\n\nChannel 0: can access your super. Does that still sound correct?\n\nChannel 1: Yeah. At this stage, I'd yeah. I'm just sort of seeing where where I'm at, that's all, when I get to there.\n\nChannel 0: Yeah. Absolutely. And then whether we have to kind of delay things for a year or two, we'll just wait until we've got enough funds there or even go\n\nChannel 1: Yes.\n\nChannel 0: part time. There's always options to slow things down as well.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Now one of the things that I found interesting there was that we're trying to retire with as much as possible, but there was an early goal when you came on board that your partner might not have very much in super, and you guys wanna kind of rely on your funds. Does that still sound to be a priority for you guys?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Cool. So whenever I do any retirement analysis, we'll try and factor in as much as we can how to get yours into a position to fund for the both of you.\n\nChannel 1: Yep.\n\nChannel 0: Now assets and liabilities wise, we did have, like, a a main resonance valued at about a million dollars with just under 500,000 owing on the mortgage. Has that changed a lot?\n\nChannel 1: No. That's the same.\n\nChannel 0: Perfect. So would you say that kind of the main focus is get that paid off as much as possible and then retire with, you know, the mortgage paid off in the super combined, or what would you think?\n\nChannel 1: Yeah. Probably. I would say that's the way we'll go.\n\nChannel 0: Yep. And last time we checked, you did have a car and a truck and about 50,000 in savings, liquid cash. Is that\n\nChannel 1: Mhmm.\n\nChannel 0: pretty close to the mark as well?\n\nChannel 1: We've got, yeah, the car and the trucks and another truck.\n\nChannel 0: Yep.\n\nChannel 1: And now that the savings have reduced because we put that money into our home\n\nChannel 0: Yeah. You're doing some\n\nChannel 1: and\n\nChannel 0: renovations.\n\nChannel 1: do some renovations. Yeah.\n\nChannel 0: And is that all finished now? Would you start a few more things to\n\nChannel 1: We\n\nChannel 0: do around\n\nChannel 1: still got\n\nChannel 0: the place?\n\nChannel 1: a couple couple of things to finish off, like flooring and a bit of the kitchen and stuff like that.\n\nChannel 0: Gotcha. Gotcha.\n\nChannel 1: Yeah. That we're still waiting waiting to finish, but, yeah, it's getting there.\n\nChannel 0: How much do you think that's gonna end up costing? I know materials have gone up a bit.\n\nChannel 1: We're probably looking at another 15, I think. 15,000 on that by the time that's all completed. We're\n\nChannel 0: Amazing.\n\nChannel 1: nearly we're nearly finished with the house. It's just basically the flooring, just the kitchen. Like, we've gotta change where our air con is, you know, that\n\nChannel 0: Yeah.\n\nChannel 1: type of thing, and and just finish off those bits and pieces in there. So, yeah, it's not an awful lot to do, but still\n\nChannel 0: Perfect. Thank you for that. And the last two details I wanted to update with you is just in terms of the two trucks. Would you have a combined resale value on the top of your head there? I think the first truck was about\n\nChannel 1: some.\n\nChannel 0: 20,000.\n\nChannel 1: Yeah. We probably I'd probably say $30.35.\n\nChannel 0: Yep. And in terms of the savings, how much has that gone down to in terms of emergency fund for you guys from\n\nChannel 1: Oh, a fair bit, actually.\n\nChannel 0: the\n\nChannel 1: We probably got about 10,000 left in that savings just to\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. That paints\n\nChannel 1: But\n\nChannel 0: a\n\nChannel 1: not\n\nChannel 0: good picture,\n\nChannel 1: sort\n\nChannel 0: so\n\nChannel 1: of\n\nChannel 0: you've\n\nChannel 1: finishing.\n\nChannel 0: got to kind of build it back up a little bit.\n\nChannel 1: Yeah. We're trying to build that up a bit more before we finish off the house.\n\nChannel 0: Okay. And with the savings, are you able to put aside, like, a set amount every week to go towards building the savings, or how's the budgeting going?\n\nChannel 1: Not so much at the moment because my husband's just he'd had to have five weeks off like he was working. He had, like, his regular casual job that he was doing\n\nChannel 0: Yep.\n\nChannel 1: as a contractor, and then they put him off just suddenly. So we he had about five weeks where he was sort of really not had a whole lot of work, but he's now gone into something that, you know, he he now has that. So it's put us behind a\n\nChannel 0: Yeah.\n\nChannel 1: little bit.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So we're just trying to build that back up now from now.\n\nChannel 0: Perfect. Perfect. So\n\nChannel 1: So\n\nChannel 0: settle into\n\nChannel 1: yeah.\n\nChannel 0: the position, build up the savings again.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And, Bob, I wanted to update too in terms of the occupation there. We had you earning about 60,000 as a bit of an admin officer. Has your\n\nChannel 1: Mhmm.\n\nChannel 0: role changed very much?\n\nChannel 1: No. Not really.\n\nChannel 0: Perfect. Who's that for again in terms of employer?\n\nChannel 1: So I work for the Department of Education yeah. The Department of Education. And I also work for a not for profit preschool, Wares Creek Preschool.\n\nChannel 0: That's what I was noticing because there's two different contributions coming through.\n\nChannel 1: Yeah. Yeah. So one is\n\nChannel 0: The\n\nChannel 1: one\n\nChannel 0: government's\n\nChannel 1: is from the\n\nChannel 0: a bit\n\nChannel 1: department.\n\nChannel 0: higher. Yep.\n\nChannel 1: Yeah. And one's a yeah. That\n\nChannel 0: And\n\nChannel 1: one.\n\nChannel 0: that's\n\nChannel 1: Sorry.\n\nChannel 0: Wares Creek preschool,\n\nChannel 1: Yep.\n\nChannel 0: not for profit.\n\nChannel 1: Mhmm.\n\nChannel 0: Now just quickly, in terms of your income, are they pretty well equally weighted? Like, is it fifty fifty between where you get the income from, or is\n\nChannel 1: No.\n\nChannel 0: one a\n\nChannel 1: Not\n\nChannel 0: bit more than the other?\n\nChannel 1: no. One's a bit higher. So the one I work three days for the department and two days for the other place.\n\nChannel 0: Gotcha.\n\nChannel 1: So,\n\nChannel 0: Okay.\n\nChannel 1: yeah, that's where it's\n\nChannel 0: Profit. Perfect. That's what I needed. And in terms of family, we just had you obviously married with two dependent children at the time.\n\nChannel 1: That's correct. Yes.\n\nChannel 0: Amazing. And you didn't end up getting a, like, a will or a power of attorney in place?\n\nChannel 1: Not yet. No. We've had a few things going on. So,\n\nChannel 0: I can imagine. Absolutely.\n\nChannel 1: yeah, it's\n\nChannel 0: It's just\n\nChannel 1: been a bit\n\nChannel 0: everyone's\n\nChannel 1: busy\n\nChannel 0: just\n\nChannel 1: for\n\nChannel 0: trying to\n\nChannel 1: us.\n\nChannel 0: get by at the moment.\n\nChannel 1: Yeah. Yeah. We've been really busy too with things, so we've sort of yeah. It's just been yeah. It's been crazy.\n\nChannel 0: No. That's fine. I just wanted to check with you today if you wanted me to send through some forms for your super beneficiary to get that updated on Hub since remember we changed you over from Netwealth to Hub. I think we still needed to list somebody on the super there if it would be easy for me to kind of put together some prefilled forms for you just to make it a bit easier.\n\nChannel 1: Yeah. Righto. Yep.\n\nChannel 0: When it comes to the beneficiary nominations of who it goes to, is it just going to your partner? Or\n\nChannel 1: Yeah. I'll just put it to my husband at this stage because the kids are a bit too young.\n\nChannel 0: yeah. And that's the thing is when you nominate someone 18, whoever becomes their guardian kind of controls the funds on their behalf as well.\n\nChannel 1: Yes.\n\nChannel 0: Hey, Bob. Do you have a preference between in terms of the nominations, you can make it that it expires every three years to kind of force people to check them, or you can make it continuous, which is a non lapsing. It doesn't change unless you decide\n\nChannel 1: I'll\n\nChannel 0: to\n\nChannel 1: do\n\nChannel 0: change\n\nChannel 1: it\n\nChannel 0: it.\n\nChannel 1: for every three years, I think, just so\n\nChannel 0: Yeah.\n\nChannel 1: we can\n\nChannel 0: Yep. That's good.\n\nChannel 1: keep up\n\nChannel 0: Bit\n\nChannel 1: to\n\nChannel 0: of\n\nChannel 1: date\n\nChannel 0: a refresher.\n\nChannel 1: on it. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Not that it'll probably\n\nChannel 0: And\n\nChannel 1: won't change, but, you know,\n\nChannel 0: yeah.\n\nChannel 1: it's probably better to to just do a double check.\n\nChannel 0: Amazing. And we'll obviously bring it up during the reviews as well just to make sure that you're still happy with it. And if there's any\n\nChannel 1: Yep.\n\nChannel 0: changes that need to be done, You can make it legally binding so the super fund has to do it, or it's a bit of a strange question, but you can make it non legally binding so the super fund has a bit of discretion there. Do you have\n\nChannel 1: Yep.\n\nChannel 0: a preference between those? I know it's a bit of a silly question.\n\nChannel 1: Yeah. I'll probably do it binding, I think, just\n\nChannel 0: Yeah.\n\nChannel 1: so it's all right.\n\nChannel 0: Yeah. In that way, there's no issues when it goes through the legal\n\nChannel 1: Yes.\n\nChannel 0: system. It's pretty\n\nChannel 1: Yes.\n\nChannel 0: straightforward. So what I'll do is I'll get those details in there. Would it be easier for you to because normally with those beneficiaries, we send them out. You can either get them via email and print them, or we can just post them out to you with a return envelope. What would be easier?\n\nChannel 1: Probably print them out and send them to me. Because then\n\nChannel 0: Yep.\n\nChannel 1: I'll yeah. I'm able to do that then. I'll just yeah. Otherwise, it just gets a bit you know, it it\n\nChannel 0: You\n\nChannel 1: gets\n\nChannel 0: can get\n\nChannel 1: clogged\n\nChannel 0: lost\n\nChannel 1: up\n\nChannel 0: in\n\nChannel 1: in\n\nChannel 0: the\n\nChannel 1: my\n\nChannel 0: day to\n\nChannel 1: emails\n\nChannel 0: day.\n\nChannel 1: and it gets lost.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And with those forms too, do you want me to add your partner's details on the forms for you, like, refilled it, or are you happy to add those in?\n\nChannel 1: I can just add those in when it comes. That's fine.\n\nChannel 0: Perfect. We'll always send you, like, a bit of an instruction cover letter anyway just to make sure you get people to witness it and that kind of thing. But\n\nChannel 1: Yep.\n\nChannel 0: if you have any questions, just call the team, and they can walk you through it in two seconds\n\nChannel 1: Yep.\n\nChannel 0: flat.\n\nChannel 1: Yep. No problem.\n\nChannel 0: Perfect. Now just swinging over to the super there for that update. Have you been logging in to Hub to have a look every now and then or just waiting for the reviews?\n\nChannel 1: I'm just waiting for the reviews at the moment.\n\nChannel 0: Yep. Now there's a few changes that have happened. So I wanna just kind of paint the picture a little bit because the market's obviously been going a bit crazy since the\n\nChannel 1: Yep.\n\nChannel 0: war broke out and everything, but you had\n\nChannel 1: Yep.\n\nChannel 0: some changes where Dana switched you from Netwealth to Hub, got you a bit of an updated portfolio. Does that ring a bell?\n\nChannel 1: Mhmm. Yeah. Yep.\n\nChannel 0: Yep. So the change from Netwealth to Hub, that's definitely been a good move for you. The fees have been a lot lower in terms of the\n\nChannel 1: Mhmm.\n\nChannel 0: admin fees and the investment fees. That's really good. And when I was looking at the portfolio that you were in, given everything that's happened in the market, it would have been a bit negative had you\n\nChannel 1: Alright.\n\nChannel 0: stayed in it. But the one\n\nChannel 1: Mhmm.\n\nChannel 0: that she's put you in, it's kind of bounced up into the positive for the year.\n\nChannel 1: Oh, good.\n\nChannel 0: That's six or 7% in growth on top of your contributions.\n\nChannel 1: Excellent.\n\nChannel 0: Now that's a tiny bit below the benchmark that we want long term because, obviously,\n\nChannel 1: Yes.\n\nChannel 0: every seven years, the market grows and then it crashes because of the world events. We don't wanna be under 10% for more than maybe one or two years\n\nChannel 1: Yep.\n\nChannel 0: per seven. Does that make sense? So one of the things that she did was she reduced your allocation to a fund called Benelon,\n\nChannel 1: Yep.\n\nChannel 0: which\n\nChannel 1: Right.\n\nChannel 0: that's been the only one that's been negatively performing. The rest of them have all been pretty well in the double digits. Very, very strong growth across\n\nChannel 1: Yep.\n\nChannel 0: all other seven options.\n\nChannel 1: Mhmm.\n\nChannel 0: But that been a long one, that one's been dragging its feet a little bit. You used to have 30% in there. Now you've got 10, which is really\n\nChannel 1: Right.\n\nChannel 0: good because\n\nChannel 1: Yep.\n\nChannel 0: your other option that you put in has actually grown twice as much.\n\nChannel 1: Well, that's great.\n\nChannel 0: Okay? I'm gonna put a flag on that one, though, because if that doesn't pick up its feet by the end of the year, I probably would like to switch it out for\n\nChannel 1: Mhmm.\n\nChannel 0: a different option potentially.\n\nChannel 1: Yep.\n\nChannel 0: Okay? At this point, though, what I really wanted to check with you, Barb, is you're trying to grow your super to fund for both of you guys,\n\nChannel 1: Mhmm.\n\nChannel 0: but your preservation age is in nine years.\n\nChannel 1: Mhmm.\n\nChannel 0: And, normally, high growth, you wanna have about nine to ten years under your belt because of those market movements. You don't wanna be a day from retirement in high risk, and then you lose half your super. Do you know what I\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So what I wanted to check with you is because we're still focused so much on growth right now, are you okay\n\nChannel 1: Mhmm.\n\nChannel 0: with that roller coaster ride for it to be going up and down so much to get that growth and then protect it later, or should we be talking about reducing the risk a little bit?\n\nChannel 1: Well, yeah. I wanna get as much as I can, but I don't wanna lose it either. So\n\nChannel 0: So the way that usually plays out is, let's say, in the next nine years, you're expecting seven years where the market grows, two years where the market goes down. If that happens this year, next year, that's actually kind of a good thing because we can use it as a buying opportunity to kind of buy into all of the shares and property gold when they go down. We don't\n\nChannel 1: Yep.\n\nChannel 0: want that to happen when you're three years from retirement.\n\nChannel 1: Yeah. So it's probably better to keep as is for just the moment.\n\nChannel 0: So, yeah, it's gonna be a little bit of, like, a hold on to your harness in the roller coaster because what we're\n\nChannel 1: Yeah.\n\nChannel 0: basically doing is we need to get you enough growth to fund the retirement.\n\nChannel 1: Yes.\n\nChannel 0: But then what we normally do is in those last seven years, we slowly reduce your risk level down, like,\n\nChannel 1: Yes.\n\nChannel 0: once every three years. So instead of 90% shares in property, we go eighty, seventy, sixty, fifty, forty, and just kinda gradually step you down in the lead up, if that makes sense. So what we're gonna be doing every year is we're gonna do pretty close review\n\nChannel 1: Yep.\n\nChannel 0: where if you've\n\nChannel 1: Mhmm.\n\nChannel 0: gotten a really strong year, then we might reduce your risk level down. If it's dropped a little bit, we're gonna wait for the growth to occur.\n\nChannel 1: Yep. Because\n\nChannel 0: Is\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: may\n\nChannel 0: okay\n\nChannel 1: even\n\nChannel 0: for\n\nChannel 1: work\n\nChannel 0: you?\n\nChannel 1: beyond 60 yet. I don't know. So\n\nChannel 0: That's what I'm thinking because we don't wanna just call it quits too early because\n\nChannel 1: yeah. No.\n\nChannel 0: this is where you make\n\nChannel 1: More\n\nChannel 0: that last\n\nChannel 1: than likely,\n\nChannel 0: little bit\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: will\n\nChannel 0: growth.\n\nChannel 1: be working beyond 60.\n\nChannel 0: Yeah. So are you okay\n\nChannel 1: Okay.\n\nChannel 0: to if we need to go 62 just so we've got the extra couple of years to get\n\nChannel 1: Yeah.\n\nChannel 0: the growth out of it?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: Yep. So I'll probably be gonna be working for as long as\n\nChannel 0: So,\n\nChannel 1: I can at this stage\n\nChannel 0: yeah,\n\nChannel 1: and\n\nChannel 0: just\n\nChannel 1: just\n\nChannel 0: to be able to have the freedom to slow\n\nChannel 1: yeah.\n\nChannel 0: down\n\nChannel 1: Yeah.\n\nChannel 0: when you've\n\nChannel 1: If\n\nChannel 0: got\n\nChannel 1: I want\n\nChannel 0: enough\n\nChannel 1: to.\n\nChannel 0: there.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep. I'm with you.\n\nChannel 1: When I want to. Yep.\n\nChannel 0: So our main focus at the moment will be just keeping a very close eye on the portfolio. And then\n\nChannel 1: Yep.\n\nChannel 0: every review, just talking to you about when we slowly reduce the risk down, we're gonna\n\nChannel 1: Yep.\n\nChannel 0: kind of time it each year with you.\n\nChannel 1: Yep.\n\nChannel 0: Okay? So I'm not gonna change super funds now. We're not gonna really I'll put a flag on that option for the end of\n\nChannel 1: Mhmm.\n\nChannel 0: the year,\n\nChannel 1: Yep.\n\nChannel 0: and we'll just kind of keep trying to get that growth out of it.\n\nChannel 1: Yes. Yep.\n\nChannel 0: The other thing too is just in terms of fees, you do\n\nChannel 1: Mhmm.\n\nChannel 0: have the life and TPD insurance coming out of the super as well. That 250,000 worth of life and disability insurance. Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Now this one's not too bad. Normally, I'd expect it to be a little bit more, but it's sitting at $662. Last time I checked it, I think it was 500. So it hasn't jumped up astronomically. It hasn't doubled to a thousand dollars or anything like that.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: But I do just wanna check it with you because, obviously, that will chop off half of the mortgage. Is that too little in terms of insurance? Is that too much? Are you do you still value them?\n\nChannel 1: Well, when it comes to the life insurance type thing, I can't we've looked at changing that before, but because I have rheumatoid arthritis, it's it's not gonna I'm not gonna be able to change it.\n\nChannel 0: Yeah. There's no point, like, trying to change providers if they can't give you that replacement cover, so\n\nChannel 1: No.\n\nChannel 0: we've\n\nChannel 1: They\n\nChannel 0: got to kind of keep the Ascender one.\n\nChannel 1: can't. Because yeah. I got I had I was diagnosed after I set it up.\n\nChannel 0: Yeah.\n\nChannel 1: So they said to, you know, like, the thing has been to sort of leave it because we have we have looked at it. But because I now have this diagnosis, they, you know, it's not sorta an option for me.\n\nChannel 0: And that'll make it trickier to increase as well. Like, if we were trying to make it higher to cover the full mortgage, they probably\n\nChannel 1: Yeah.\n\nChannel 0: wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: do\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: don't think\n\nChannel 0: increase\n\nChannel 1: it's gonna\n\nChannel 0: either.\n\nChannel 1: happen. No.\n\nChannel 0: Yep. So\n\nChannel 1: Yep.\n\nChannel 0: for now, let's just sort of keep it going as long as it becomes affordable. And then if it becomes unaffordable, we'll talk about when we start to trim it down.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay. Perfect. Perfect. Alright. So I'll put another little flag on there just to make sure that every time you get that anniversary, we'll keep an\n\nChannel 1: Yep.\n\nChannel 0: eye on those premiums there. Because once you hit the the fifties, it can go up quite quickly. And I've seen some people where, you know, a thousand dollars becomes $8,000 in a matter\n\nChannel 1: Yeah.\n\nChannel 0: of five or six\n\nChannel 1: And\n\nChannel 0: years.\n\nChannel 1: that\n\nChannel 0: So\n\nChannel 1: that kinda happened with my husband. It took, like, I don't know how it worked, but, you know, the super he did have all was taken because of, you know, some choices\n\nChannel 0: Premium\n\nChannel 1: that were made\n\nChannel 0: is going\n\nChannel 1: or\n\nChannel 0: up.\n\nChannel 1: some advice that we were given.\n\nChannel 0: Yeah.\n\nChannel 1: And the premiums just went sky high, and they just paid it. And it just took all of his super.\n\nChannel 0: See, that's where I wanna be a little bit different with Oakview. We wanna keep an eye on\n\nChannel 1: Yeah.\n\nChannel 0: this because while it's nice to have that there to cover as much of the mortgage as possible, if it starts jumping up to $34,000, we're gonna have to have that conversation about how much is too much.\n\nChannel 1: Yeah. Exactly. And we don't wanna\n\nChannel 0: Yep.\n\nChannel 1: fall into that again.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: 662 is not too bad at the moment, but we'll keep a close eye on it. And the next\n\nChannel 1: Yeah.\n\nChannel 0: anniversary until May of next year.\n\nChannel 1: Yep. And then we'll check it then.\n\nChannel 0: Perfect. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So we'll stay high growth. We'll keep the portfolio going within Hub for the time being. I'll\n\nChannel 1: Mhmm.\n\nChannel 0: have another chat with you about the investments and the risk level on our next review. Do you prefer to do a bit more contact throughout the year? We can do six monthly or quarterly, or do you just prefer that twelve month annual review?\n\nChannel 1: I think the twelve months is probably okay at the moment.\n\nChannel 0: Yep. No worries. So if anything does pop up in between, any concerns or anything you would like to talk to us about,\n\nChannel 1: Yeah.\n\nChannel 0: please just call through and\n\nChannel 1: Yep.\n\nChannel 0: book in the chat, but we'll keep an eye on things. And then at that review, we'll have that next risk discussion as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect.\n\nChannel 1: Sounds\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: at the moment, I'll send out those beneficiary forms, get those sorted with you. There's that reminder just when life does slow down a little bit. If it does, we'll get the will and everything organized. But for now, there's a lot to do in terms of\n\nChannel 1: Mhmm.\n\nChannel 0: the\n\nChannel 1: Yes.\n\nChannel 0: renovation, savings,\n\nChannel 1: Yes.\n\nChannel 0: and the mortgage.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Bob, the other thing that's in that review pack with you, so you've got the super, the insurance, the financial services guide. We've included the updated service agreement with you as well. So in order to remain advisers, we do need you to sign off on consent for us to be on your account to be able to make the changes and look after things. I just\n\nChannel 1: Yes.\n\nChannel 0: wanted to ask you if you were still happy with our services.\n\nChannel 1: Yes. Nice. Happy with\n\nChannel 0: Cool.\n\nChannel 1: your service. Yeah.\n\nChannel 0: Now just a bit of a heads up. So the fees haven't changed this year. It's still the\n\nChannel 1: Mhmm.\n\nChannel 0: 1.5% capped at 600,000, but we will be bringing in a bit of a tiered structure soon so that\n\nChannel 1: Mhmm.\n\nChannel 0: once you go above 200,000, they'll start to be discounts applied next year. So\n\nChannel 1: Right.\n\nChannel 0: we're just trying to step things down for people as they get to a higher balance.\n\nChannel 1: Yep. Okay.\n\nChannel 0: K? So this one will be the same. The next one, there should be some discounts there. But when we get\n\nChannel 1: Mhmm.\n\nChannel 0: that next financial services guide, we'll send that through to you as well.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Amazing. Any questions for me before I let you go?\n\nChannel 1: No. No. I think I'm pretty good.\n\nChannel 0: Amazing, Bob. Well, thank you so much for your time. If you can\n\nChannel 1: Thank\n\nChannel 0: have a\n\nChannel 1: you.\n\nChannel 0: look at that email when you get a chance, we will post out that pack. And, again, any questions, just call back.\n\nChannel 1: Yep. No worries. Thank you so\n\nChannel 0: Thank you, Bob. Have a fantastic\n\nChannel 1: much.\n\nChannel 0: day.\n\nChannel 1: You too. Thank you. See you later.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.019626306369900703}],"sentiment":"neutral","sentiment_score":0.019626306369900703,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Barbara.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.06600905768573284},{"text":"It's Tommy here, senior adviser of Oakview.","start":3.12,"end":5.12,"sentiment":"neutral","sentiment_score":0.10173391018595014},{"text":"How are you doing today?","start":5.12,"end":6.18,"sentiment":"neutral","sentiment_score":0.13277611136436462}],"sentiment":"neutral","sentiment_score":0.10771686024963856,"channel":0,"num_words":14,"start":2.48,"end":6.18},{"sentences":[{"text":"Good.","start":6.56,"end":6.96,"sentiment":"neutral","sentiment_score":0.32421618700027466},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.22395048042138418}],"sentiment":"neutral","sentiment_score":0.2490169070661068,"channel":1,"num_words":4,"start":6.56,"end":7.8599997},{"sentences":[{"text":"I'm doing fantastic.","start":7.9199996,"end":9.22,"sentiment":"positive","sentiment_score":0.7319045265515646},{"text":"It's a very cool, chill day on the Gold Coast.","start":9.36,"end":11.599999,"sentiment":"positive","sentiment_score":0.6642041265964508},{"text":"What about your end?","start":11.599999,"end":12.645,"sentiment":"neutral","sentiment_score":0.1464734673500061}],"sentiment":"positive","sentiment_score":0.5543322773540721,"channel":0,"num_words":17,"start":7.9199996,"end":12.645},{"sentences":[{"text":"Yeah.","start":12.799999,"end":13.12,"sentiment":"neutral","sentiment_score":0.3048062026500702},{"text":"It's pretty cool here too.","start":13.12,"end":14.66,"sentiment":"positive","sentiment_score":0.5423293352127075}],"sentiment":"positive","sentiment_score":0.502742146452268,"channel":1,"num_words":6,"start":12.799999,"end":14.66},{"sentences":[{"text":"Great to hear.","start":15.285,"end":15.925,"sentiment":"positive","sentiment_score":0.5936452150344849},{"text":"Great to hear.","start":15.925,"end":16.725,"sentiment":"positive","sentiment_score":0.45871269702911377},{"text":"I've got you","start":16.725,"end":17.205,"sentiment":"neutral","sentiment_score":0.17952712873617807}],"sentiment":"positive","sentiment_score":0.4106283469332589,"channel":0,"num_words":9,"start":15.285,"end":17.205},{"sentences":[{"text":"Yep.","start":17.105,"end":17.605,"sentiment":"neutral","sentiment_score":0.09202110767364502}],"sentiment":"neutral","sentiment_score":0.09202110767364502,"channel":1,"num_words":1,"start":17.105,"end":17.605},{"sentences":[{"text":"booked in to go through a bit of an annual review.","start":17.205,"end":19.445,"sentiment":"neutral","sentiment_score":0.13911547308618372},{"text":"Do you still have time for me?","start":19.445,"end":21.065,"sentiment":"neutral","sentiment_score":0.060682620853185654}],"sentiment":"neutral","sentiment_score":0.1086138083289067,"channel":0,"num_words":18,"start":17.205,"end":21.065},{"sentences":[{"text":"Yeah.","start":21.585,"end":21.904999,"sentiment":"neutral","sentiment_score":0.08167719841003418},{"text":"Yeah.","start":21.904999,"end":22.145,"sentiment":"neutral","sentiment_score":0.1206417679786682},{"text":"I can do that.","start":22.145,"end":23.205,"sentiment":"neutral","sentiment_score":0.19562198221683502}],"sentiment":"neutral","sentiment_score":0.16413448254267374,"channel":1,"num_words":6,"start":21.585,"end":23.205},{"sentences":[{"text":"Perfect.","start":23.685001,"end":24.185001,"sentiment":"positive","sentiment_score":0.4069832861423493},{"text":"I'm just gonna go through a quick security check with you, and I've got an email pack to send through to you for your review.","start":24.244999,"end":30.529999,"sentiment":"neutral","sentiment_score":0.20554276466369628},{"text":"Will you be able to look onto the emails with me today, or should I just kind of walk you through what's coming?","start":30.75,"end":35.57,"sentiment":"neutral","sentiment_score":0.10308251951051794}],"sentiment":"neutral","sentiment_score":0.1615602112546259,"channel":0,"num_words":49,"start":23.685001,"end":35.57},{"sentences":[{"text":"Yeah.","start":37.32,"end":37.48,"sentiment":"neutral","sentiment_score":0.03086335770785809},{"text":"Just walk me through what's coming.","start":37.48,"end":39.18,"sentiment":"neutral","sentiment_score":0.03403475663314263}],"sentiment":"neutral","sentiment_score":0.033581699643816264,"channel":1,"num_words":7,"start":37.32,"end":39.18},{"sentences":[{"text":"Yep.","start":39.645,"end":39.965,"sentiment":"neutral","sentiment_score":0.0585612952709198},{"text":"No worries at all.","start":39.965,"end":41.105,"sentiment":"neutral","sentiment_score":0.0755279716104269},{"text":"Barbara, I'm registered with adviser one two seven three one zero five.","start":41.165,"end":45.505,"sentiment":"neutral","sentiment_score":0.04757303434113661},{"text":"Could I","start":45.565002,"end":45.965,"sentiment":"neutral","sentiment_score":0.03036626987159252}],"sentiment":"neutral","sentiment_score":0.05222537544997115,"channel":0,"num_words":19,"start":39.645,"end":45.965},{"sentences":[{"text":"Yeah.","start":45.96,"end":46.455,"sentiment":"neutral","sentiment_score":0.02787049487233162}],"sentiment":"neutral","sentiment_score":0.02787049487233162,"channel":1,"num_words":1,"start":45.96,"end":46.455},{"sentences":[{"text":"please confirm your date of birth and address?","start":45.965,"end":48.225,"sentiment":"neutral","sentiment_score":0.02611520537175238}],"sentiment":"neutral","sentiment_score":0.02611520537175238,"channel":0,"num_words":8,"start":45.965,"end":48.225},{"sentences":[{"text":"'20 3rd of the 5th 75323 Burramble Road, Burramble.","start":48.615,"end":53.835003,"sentiment":"neutral","sentiment_score":0.020726217267413933}],"sentiment":"neutral","sentiment_score":0.020726217267413933,"channel":1,"num_words":9,"start":48.615,"end":53.835003},{"sentences":[{"text":"Perfect.","start":54.46,"end":54.94,"sentiment":"neutral","sentiment_score":0.15392747521400452},{"text":"And are you okay for the call to be recorded?","start":54.94,"end":56.88,"sentiment":"neutral","sentiment_score":0.043337132781744}],"sentiment":"neutral","sentiment_score":0.05339080027558587,"channel":0,"num_words":11,"start":54.46,"end":56.88},{"sentences":[{"text":"Yeah.","start":57.495003,"end":57.735,"sentiment":"neutral","sentiment_score":0.04422890394926071},{"text":"That's fine.","start":57.735,"end":58.555,"sentiment":"neutral","sentiment_score":0.08164006471633911}],"sentiment":"neutral","sentiment_score":0.06916967779397964,"channel":1,"num_words":3,"start":57.495003,"end":58.555},{"sentences":[{"text":"Sensational.","start":59.1,"end":59.6,"sentiment":"neutral","sentiment_score":0.05245378613471985},{"text":"So I've got your asBobWoods1@Hotmail.com.","start":59.9,"end":64.525,"sentiment":"neutral","sentiment_score":0.02776462137699127},{"text":"Is that still okay for documentation?","start":64.525,"end":66.705,"sentiment":"neutral","sentiment_score":0.025580347515642643}],"sentiment":"neutral","sentiment_score":0.02872991484279434,"channel":0,"num_words":12,"start":59.1,"end":66.705},{"sentences":[{"text":"Yep.","start":67.61,"end":68.01,"sentiment":"neutral","sentiment_score":0.05138628929853439},{"text":"That's fine.","start":68.01,"end":68.83,"sentiment":"neutral","sentiment_score":0.1285315416753292}],"sentiment":"neutral","sentiment_score":0.10281645754973094,"channel":1,"num_words":3,"start":67.61,"end":68.83},{"sentences":[{"text":"Awesome.","start":69.405,"end":69.805,"sentiment":"neutral","sentiment_score":0.3315848708152771},{"text":"So I'll pop that through to you now.","start":69.805,"end":71.905,"sentiment":"neutral","sentiment_score":0.22967430762946606},{"text":"Now for the review today, I've got some updated information on the super certificate of currency for your insurances coming through and just some updated financial services guide with Oakview.","start":72.604996,"end":83.28,"sentiment":"neutral","sentiment_score":0.1155727838476499}],"sentiment":"neutral","sentiment_score":0.14451699608411545,"channel":0,"num_words":39,"start":69.405,"end":83.28},{"sentences":[{"text":"Yep.","start":84.045,"end":84.545,"sentiment":"neutral","sentiment_score":0.049483612179756165}],"sentiment":"neutral","sentiment_score":0.049483612179756165,"channel":1,"num_words":1,"start":84.045,"end":84.545},{"sentences":[{"text":"Now is there anything in particular that you wanna focus on for this year's review?","start":84.21999,"end":87.84,"sentiment":"neutral","sentiment_score":0.03891216019789378}],"sentiment":"neutral","sentiment_score":0.03891216019789378,"channel":0,"num_words":15,"start":84.21999,"end":87.84},{"sentences":[{"text":"Not really.","start":89.479996,"end":90.2,"sentiment":"neutral","sentiment_score":-0.06000105291604996},{"text":"No.","start":90.2,"end":90.52,"sentiment":"neutral","sentiment_score":-0.07309502363204956},{"text":"Just how it's going, I guess.","start":90.52,"end":92.299995,"sentiment":"neutral","sentiment_score":-0.033600883558392525}],"sentiment":"neutral","sentiment_score":-0.04385582564605607,"channel":1,"num_words":9,"start":89.479996,"end":92.299995},{"sentences":[{"text":"Perfect.","start":93.115,"end":93.515,"sentiment":"neutral","sentiment_score":0.1701507270336151},{"text":"Just a bit of a general update.","start":93.515,"end":94.975,"sentiment":"neutral","sentiment_score":0.10646076393978936}],"sentiment":"neutral","sentiment_score":0.11442200932651758,"channel":0,"num_words":8,"start":93.115,"end":94.975},{"sentences":[{"text":"Yeah.","start":95.72,"end":96.22,"sentiment":"neutral","sentiment_score":0.05102038010954857}],"sentiment":"neutral","sentiment_score":0.05102038010954857,"channel":1,"num_words":1,"start":95.72,"end":96.22},{"sentences":[{"text":"And I did","start":96.395,"end":97.115,"sentiment":"neutral","sentiment_score":0.04318684836228689}],"sentiment":"neutral","sentiment_score":0.04318684836228689,"channel":0,"num_words":3,"start":96.395,"end":97.115},{"sentences":[{"text":"Yes.","start":97.08,"end":97.58,"sentiment":"neutral","sentiment_score":0.0609252005815506}],"sentiment":"neutral","sentiment_score":0.0609252005815506,"channel":1,"num_words":1,"start":97.08,"end":97.58},{"sentences":[{"text":"have a bit of a note there that you were trying to look at some super for your daughter, I believe, going","start":97.115,"end":103.53001,"sentiment":"neutral","sentiment_score":0.05414853024889122}],"sentiment":"neutral","sentiment_score":0.05414853024889122,"channel":0,"num_words":22,"start":97.115,"end":103.53001},{"sentences":[{"text":"I","start":103.305,"end":103.545006,"sentiment":"neutral","sentiment_score":0.05406387522816658}],"sentiment":"neutral","sentiment_score":0.05406387522816658,"channel":1,"num_words":1,"start":103.305,"end":103.545006},{"sentences":[{"text":"through","start":103.53001,"end":104.03001,"sentiment":"neutral","sentiment_score":0.04001254588365555}],"sentiment":"neutral","sentiment_score":0.04001254588365555,"channel":0,"num_words":1,"start":103.53001,"end":104.03001},{"sentences":[{"text":"was.","start":103.545006,"end":104.045006,"sentiment":"neutral","sentiment_score":0.03651459887623787},{"text":"I've","start":104.105,"end":104.58501,"sentiment":"neutral","sentiment_score":0.028439557179808617}],"sentiment":"neutral","sentiment_score":0.03247707802802324,"channel":1,"num_words":2,"start":103.545006,"end":104.58501},{"sentences":[{"text":"early","start":104.48,"end":104.73,"sentiment":"neutral","sentiment_score":0.017860377207398415}],"sentiment":"neutral","sentiment_score":0.017860377207398415,"channel":0,"num_words":1,"start":104.48,"end":104.73},{"sentences":[{"text":"I've","start":104.58501,"end":105.08501,"sentiment":"neutral","sentiment_score":0.023140212520956993}],"sentiment":"neutral","sentiment_score":0.023140212520956993,"channel":1,"num_words":1,"start":104.58501,"end":105.08501},{"sentences":[{"text":"employment.","start":104.73,"end":105.23,"sentiment":"neutral","sentiment_score":0.028497885912656784}],"sentiment":"neutral","sentiment_score":0.028497885912656784,"channel":0,"num_words":1,"start":104.73,"end":105.23},{"sentences":[{"text":"talked to I've now set her up with Australian Super.","start":105.225006,"end":111.005005,"sentiment":"neutral","sentiment_score":0.07275002375245095}],"sentiment":"neutral","sentiment_score":0.07275002375245095,"channel":1,"num_words":10,"start":105.225006,"end":111.005005},{"sentences":[{"text":"Amazing.","start":111.850006,"end":112.350006,"sentiment":"neutral","sentiment_score":0.25374504923820496}],"sentiment":"neutral","sentiment_score":0.25374504923820496,"channel":0,"num_words":1,"start":111.850006,"end":112.350006},{"sentences":[{"text":"Yeah.","start":112.979996,"end":113.38,"sentiment":"neutral","sentiment_score":0.049416352063417435},{"text":"So I'll do that for a bit, I think, until she gets some money behind her.","start":113.38,"end":118.67999,"sentiment":"neutral","sentiment_score":0.16300044301897287}],"sentiment":"neutral","sentiment_score":0.1563190259039402,"channel":1,"num_words":17,"start":112.979996,"end":118.67999},{"sentences":[{"text":"Yeah.","start":119.065,"end":119.305,"sentiment":"positive","sentiment_score":0.6019042134284973},{"text":"That's a pretty good pretty good idea.","start":119.305,"end":121.545006,"sentiment":"positive","sentiment_score":0.8318401830536979},{"text":"Normally, for people's first job, first super, it's really good to get that kind of low fee industry fund to start with to build up their first","start":121.545006,"end":129.645,"sentiment":"positive","sentiment_score":0.3966808280459157}],"sentiment":"positive","sentiment_score":0.4895762243441173,"channel":0,"num_words":35,"start":119.065,"end":129.645},{"sentences":[{"text":"Yes.","start":129.155,"end":129.655,"sentiment":"neutral","sentiment_score":0.2386135756969452}],"sentiment":"neutral","sentiment_score":0.2386135756969452,"channel":1,"num_words":1,"start":129.155,"end":129.655},{"sentences":[{"text":"50 to 80,000.","start":129.94,"end":131.16,"sentiment":"neutral","sentiment_score":0.23707248270511627},{"text":"And it","start":131.38,"end":131.78,"sentiment":"neutral","sentiment_score":0.24273423105478287}],"sentiment":"neutral","sentiment_score":0.23933718204498292,"channel":0,"num_words":5,"start":129.94,"end":131.78},{"sentences":[{"text":"Yes.","start":131.635,"end":132.135,"sentiment":"neutral","sentiment_score":0.26956355571746826}],"sentiment":"neutral","sentiment_score":0.26956355571746826,"channel":1,"num_words":1,"start":131.635,"end":132.135},{"sentences":[{"text":"just means that they've got a bit of a chance for those early contributions to actually grow before they do anything fancy after that.","start":131.78,"end":139.4,"sentiment":"neutral","sentiment_score":0.2991215568035841}],"sentiment":"neutral","sentiment_score":0.2991215568035841,"channel":0,"num_words":24,"start":131.78,"end":139.4},{"sentences":[{"text":"Yep.","start":139.715,"end":140.215,"sentiment":"neutral","sentiment_score":0.29421842098236084}],"sentiment":"neutral","sentiment_score":0.29421842098236084,"channel":1,"num_words":1,"start":139.715,"end":140.215},{"sentences":[{"text":"Perfect.","start":141.3,"end":141.7,"sentiment":"positive","sentiment_score":0.5564063787460327},{"text":"Now I'm just having a quick look about some of these details I need to update on our new system, Bob.","start":141.7,"end":146.995,"sentiment":"neutral","sentiment_score":0.12533747546729587},{"text":"But goals wise, I do have here that we're looking to try and retire as early as possible towards age 60, which is when you","start":147.455,"end":156.23,"sentiment":"neutral","sentiment_score":0.09437242060899735}],"sentiment":"neutral","sentiment_score":0.1180383803996634,"channel":0,"num_words":47,"start":141.3,"end":156.23},{"sentences":[{"text":"Yeah.","start":156.21,"end":156.675,"sentiment":"neutral","sentiment_score":0.06803618371486664}],"sentiment":"neutral","sentiment_score":0.06803618371486664,"channel":1,"num_words":1,"start":156.21,"end":156.675},{"sentences":[{"text":"can access your super.","start":156.23,"end":157.51,"sentiment":"neutral","sentiment_score":0.09848776645958424},{"text":"Does that still sound correct?","start":157.51,"end":159.45,"sentiment":"neutral","sentiment_score":0.09477143734693527}],"sentiment":"neutral","sentiment_score":0.09642313917477925,"channel":0,"num_words":9,"start":156.23,"end":159.45},{"sentences":[{"text":"Yeah.","start":160.755,"end":161.255,"sentiment":"neutral","sentiment_score":0.037019096314907074},{"text":"At this stage, I'd yeah.","start":161.395,"end":163.655,"sentiment":"neutral","sentiment_score":-0.009316146187484265},{"text":"I'm just sort of seeing where where I'm at, that's all, when I get to there.","start":163.715,"end":169.575,"sentiment":"neutral","sentiment_score":-0.005995631312543992}],"sentiment":"neutral","sentiment_score":-0.00479507889196446,"channel":1,"num_words":22,"start":160.755,"end":169.575},{"sentences":[{"text":"Yeah.","start":170.08499,"end":170.325,"sentiment":"neutral","sentiment_score":0.1389504075050354},{"text":"Absolutely.","start":170.325,"end":170.825,"sentiment":"neutral","sentiment_score":0.18143793940544128},{"text":"And then whether we have to kind of delay things for a year or two, we'll just wait until we've got enough funds there or even go","start":170.885,"end":177.685,"sentiment":"neutral","sentiment_score":0.03340455793120243}],"sentiment":"neutral","sentiment_score":0.042148669346653185,"channel":0,"num_words":29,"start":170.08499,"end":177.685},{"sentences":[{"text":"Yes.","start":177.57,"end":178.07,"sentiment":"neutral","sentiment_score":0.02576299011707306}],"sentiment":"neutral","sentiment_score":0.02576299011707306,"channel":1,"num_words":1,"start":177.57,"end":178.07},{"sentences":[{"text":"part time.","start":177.685,"end":178.245,"sentiment":"neutral","sentiment_score":0.01737987343221903},{"text":"There's always options to slow things down as well.","start":178.245,"end":181.44,"sentiment":"neutral","sentiment_score":0.010523584774798818}],"sentiment":"neutral","sentiment_score":0.011770182712511583,"channel":0,"num_words":11,"start":177.685,"end":181.44},{"sentences":[{"text":"Yep.","start":181.81,"end":182.31,"sentiment":"neutral","sentiment_score":0.050851792097091675},{"text":"Yeah.","start":182.53,"end":183.03,"sentiment":"neutral","sentiment_score":0.0673706978559494}],"sentiment":"neutral","sentiment_score":0.05911124497652054,"channel":1,"num_words":2,"start":181.81,"end":183.03},{"sentences":[{"text":"Now one of the things that I found interesting there was that we're trying to retire with as much as possible, but there was an early goal when you came on board that your partner might not have very much in super, and you guys wanna kind of rely on your funds.","start":183.6,"end":197.415,"sentiment":"neutral","sentiment_score":0.05975960359837},{"text":"Does that still sound to be a priority for you guys?","start":197.495,"end":200.715,"sentiment":"neutral","sentiment_score":0.09866767783056606}],"sentiment":"neutral","sentiment_score":0.06655307687700741,"channel":0,"num_words":63,"start":183.6,"end":200.715},{"sentences":[{"text":"Yeah.","start":200.34,"end":200.81999,"sentiment":"neutral","sentiment_score":0.10845104604959488},{"text":"Yep.","start":200.81999,"end":201.31999,"sentiment":"neutral","sentiment_score":0.1734979748725891}],"sentiment":"neutral","sentiment_score":0.140974510461092,"channel":1,"num_words":2,"start":200.34,"end":201.31999},{"sentences":[{"text":"Cool.","start":201.89499,"end":202.135,"sentiment":"neutral","sentiment_score":0.2940254807472229},{"text":"So whenever I do any retirement analysis, we'll try and factor in as much as we can how to get yours into a position to fund for the both of you.","start":202.135,"end":210.54,"sentiment":"neutral","sentiment_score":0.24954422010529426}],"sentiment":"neutral","sentiment_score":0.25093425950035453,"channel":0,"num_words":32,"start":201.89499,"end":210.54},{"sentences":[{"text":"Yep.","start":210.9,"end":211.4,"sentiment":"neutral","sentiment_score":0.08518467843532562}],"sentiment":"neutral","sentiment_score":0.08518467843532562,"channel":1,"num_words":1,"start":210.9,"end":211.4},{"sentences":[{"text":"Now assets and liabilities wise, we did have, like, a a main resonance valued at about a million dollars with just under 500,000 owing on the mortgage.","start":212.14,"end":222.21999,"sentiment":"neutral","sentiment_score":0.04988210234377119},{"text":"Has that changed a lot?","start":222.21999,"end":223.395,"sentiment":"neutral","sentiment_score":-0.012107525393366814}],"sentiment":"neutral","sentiment_score":0.04019622300984338,"channel":0,"num_words":32,"start":212.14,"end":223.395},{"sentences":[{"text":"No.","start":223.74501,"end":224.145,"sentiment":"neutral","sentiment_score":-0.14438818395137787},{"text":"That's the same.","start":224.145,"end":225.125,"sentiment":"neutral","sentiment_score":-0.08233734344442685}],"sentiment":"neutral","sentiment_score":-0.09785005357116461,"channel":1,"num_words":4,"start":223.74501,"end":225.125},{"sentences":[{"text":"Perfect.","start":226.035,"end":226.515,"sentiment":"neutral","sentiment_score":0.016042640432715416},{"text":"So would you say that kind of the main focus is get that paid off as much as possible and then retire with, you know, the mortgage paid off in the super combined, or what would you think?","start":226.515,"end":236.49,"sentiment":"neutral","sentiment_score":0.0721816106846458}],"sentiment":"neutral","sentiment_score":0.07074214990895528,"channel":0,"num_words":39,"start":226.035,"end":236.49},{"sentences":[{"text":"Yeah.","start":236.04,"end":236.51999,"sentiment":"neutral","sentiment_score":0.1283721625804901},{"text":"Probably.","start":236.51999,"end":237.01999,"sentiment":"neutral","sentiment_score":0.16014359891414642},{"text":"I would say that's the way we'll go.","start":237.23999,"end":239.09999,"sentiment":"neutral","sentiment_score":0.21516562439501286}],"sentiment":"neutral","sentiment_score":0.20098407566547394,"channel":1,"num_words":10,"start":236.04,"end":239.09999},{"sentences":[{"text":"Yep.","start":239.45001,"end":239.95001,"sentiment":"neutral","sentiment_score":0.21038272976875305},{"text":"And last time we checked, you did have a car and a truck and about 50,000 in savings, liquid cash.","start":240.01001,"end":246.83,"sentiment":"neutral","sentiment_score":0.12271602936089039},{"text":"Is that","start":246.97,"end":247.37001,"sentiment":"neutral","sentiment_score":0.15199600160121918}],"sentiment":"neutral","sentiment_score":0.12907370957343475,"channel":0,"num_words":23,"start":239.45001,"end":247.37001},{"sentences":[{"text":"Mhmm.","start":247.295,"end":247.795,"sentiment":"neutral","sentiment_score":0.1722099930047989}],"sentiment":"neutral","sentiment_score":0.1722099930047989,"channel":1,"num_words":1,"start":247.295,"end":247.795},{"sentences":[{"text":"pretty close to the mark as well?","start":247.37001,"end":248.895,"sentiment":"neutral","sentiment_score":0.1935495925801141}],"sentiment":"neutral","sentiment_score":0.1935495925801141,"channel":0,"num_words":7,"start":247.37001,"end":248.895},{"sentences":[{"text":"We've got, yeah, the car and the trucks and another truck.","start":250.015,"end":256.71002,"sentiment":"neutral","sentiment_score":0.06154132837598974}],"sentiment":"neutral","sentiment_score":0.06154132837598974,"channel":1,"num_words":11,"start":250.015,"end":256.71002},{"sentences":[{"text":"Yep.","start":257.295,"end":257.795,"sentiment":"neutral","sentiment_score":0.16474556922912598}],"sentiment":"neutral","sentiment_score":0.16474556922912598,"channel":0,"num_words":1,"start":257.295,"end":257.795},{"sentences":[{"text":"And now that the savings have reduced because we put that money into our home","start":258.29,"end":265.99002,"sentiment":"neutral","sentiment_score":0.1515496253967285}],"sentiment":"neutral","sentiment_score":0.1515496253967285,"channel":1,"num_words":15,"start":258.29,"end":265.99002},{"sentences":[{"text":"Yeah.","start":266.11002,"end":266.43,"sentiment":"neutral","sentiment_score":0.09581218659877776},{"text":"You're doing some","start":266.43,"end":267.15,"sentiment":"neutral","sentiment_score":0.08333295583724976}],"sentiment":"neutral","sentiment_score":0.08645276352763176,"channel":0,"num_words":4,"start":266.11002,"end":267.15},{"sentences":[{"text":"and","start":266.96503,"end":267.285,"sentiment":"neutral","sentiment_score":0.03744225576519966}],"sentiment":"neutral","sentiment_score":0.03744225576519966,"channel":1,"num_words":1,"start":266.96503,"end":267.285},{"sentences":[{"text":"renovations.","start":267.15,"end":267.65,"sentiment":"neutral","sentiment_score":0.06479205191135406}],"sentiment":"neutral","sentiment_score":0.06479205191135406,"channel":0,"num_words":1,"start":267.15,"end":267.65},{"sentences":[{"text":"do some renovations.","start":267.285,"end":268.265,"sentiment":"neutral","sentiment_score":0.04004547372460365},{"text":"Yeah.","start":268.48502,"end":268.98502,"sentiment":"neutral","sentiment_score":0.07729420065879822}],"sentiment":"neutral","sentiment_score":0.049357655458152294,"channel":1,"num_words":4,"start":267.285,"end":268.98502},{"sentences":[{"text":"And is that all finished now?","start":270.11002,"end":271.47,"sentiment":"neutral","sentiment_score":0.07374726049602032},{"text":"Would you start a few more things to","start":271.47,"end":272.99,"sentiment":"neutral","sentiment_score":0.023730045882984996}],"sentiment":"neutral","sentiment_score":0.04516599500285728,"channel":0,"num_words":14,"start":270.11002,"end":272.99},{"sentences":[{"text":"We","start":272.96503,"end":273.20502,"sentiment":"neutral","sentiment_score":0.01070457324385643}],"sentiment":"neutral","sentiment_score":0.01070457324385643,"channel":1,"num_words":1,"start":272.96503,"end":273.20502},{"sentences":[{"text":"do around","start":272.99,"end":273.47,"sentiment":"neutral","sentiment_score":0.011521372944116592}],"sentiment":"neutral","sentiment_score":0.011521372944116592,"channel":0,"num_words":2,"start":272.99,"end":273.47},{"sentences":[{"text":"still got","start":273.20502,"end":273.685,"sentiment":"neutral","sentiment_score":0.01988244242966175}],"sentiment":"neutral","sentiment_score":0.01988244242966175,"channel":1,"num_words":2,"start":273.20502,"end":273.685},{"sentences":[{"text":"the place?","start":273.47,"end":274.005,"sentiment":"neutral","sentiment_score":0.01235007680952549}],"sentiment":"neutral","sentiment_score":0.01235007680952549,"channel":0,"num_words":2,"start":273.47,"end":274.005},{"sentences":[{"text":"a couple couple of things to finish off, like flooring and a bit of the kitchen and stuff like that.","start":273.685,"end":279.86502,"sentiment":"neutral","sentiment_score":0.020891274604946376}],"sentiment":"neutral","sentiment_score":0.020891274604946376,"channel":1,"num_words":20,"start":273.685,"end":279.86502},{"sentences":[{"text":"Gotcha.","start":280.325,"end":280.805,"sentiment":"neutral","sentiment_score":0.030639803037047383},{"text":"Gotcha.","start":280.805,"end":281.305,"sentiment":"neutral","sentiment_score":0.03126080334186554}],"sentiment":"neutral","sentiment_score":0.030950303189456463,"channel":0,"num_words":2,"start":280.325,"end":281.305},{"sentences":[{"text":"Yeah.","start":281.58002,"end":281.98,"sentiment":"neutral","sentiment_score":0.031188471242785457},{"text":"That we're still waiting waiting to finish, but, yeah, it's getting there.","start":281.98,"end":286.32,"sentiment":"neutral","sentiment_score":0.043359233532100916}],"sentiment":"neutral","sentiment_score":0.04242302104830742,"channel":1,"num_words":13,"start":281.58002,"end":286.32},{"sentences":[{"text":"How much do you think that's gonna end up costing?","start":286.81998,"end":288.66,"sentiment":"neutral","sentiment_score":-0.025156529806554317},{"text":"I know materials have gone up a bit.","start":288.66,"end":290.59998,"sentiment":"neutral","sentiment_score":-0.027922823559492826}],"sentiment":"neutral","sentiment_score":-0.02638599369674921,"channel":0,"num_words":18,"start":286.81998,"end":290.59998},{"sentences":[{"text":"We're probably looking at another 15, I think.","start":290.38,"end":293.92,"sentiment":"neutral","sentiment_score":0.002512433275114745},{"text":"15,000 on that by the time that's all completed.","start":294.17502,"end":298.195,"sentiment":"neutral","sentiment_score":0.046262170291609235},{"text":"We're","start":299.93503,"end":300.17502,"sentiment":"positive","sentiment_score":0.46226251125335693}],"sentiment":"neutral","sentiment_score":0.04992897278215322,"channel":1,"num_words":18,"start":290.38,"end":300.17502},{"sentences":[{"text":"Amazing.","start":300.035,"end":300.535,"sentiment":"positive","sentiment_score":0.4945729970932007}],"sentiment":"positive","sentiment_score":0.4945729970932007,"channel":0,"num_words":1,"start":300.035,"end":300.535},{"sentences":[{"text":"nearly we're nearly finished with the house.","start":300.17502,"end":302.815,"sentiment":"neutral","sentiment_score":0.29716616017477854},{"text":"It's just basically the flooring, just the kitchen.","start":302.815,"end":308.23,"sentiment":"neutral","sentiment_score":0.13717529736459255},{"text":"Like, we've gotta change where our air con is, you know, that","start":308.23,"end":311.43,"sentiment":"neutral","sentiment_score":0.07795420723656814}],"sentiment":"neutral","sentiment_score":0.15233392544366695,"channel":1,"num_words":27,"start":300.17502,"end":311.43},{"sentences":[{"text":"Yeah.","start":311.33,"end":311.83,"sentiment":"neutral","sentiment_score":0.02954781614243984}],"sentiment":"neutral","sentiment_score":0.02954781614243984,"channel":0,"num_words":1,"start":311.33,"end":311.83},{"sentences":[{"text":"type of thing, and and just finish off those bits and pieces in there.","start":311.43,"end":316.16998,"sentiment":"neutral","sentiment_score":0.04986548876123769},{"text":"So, yeah, it's not an awful lot to do, but still","start":317.11,"end":320.875,"sentiment":"neutral","sentiment_score":0.0402092882855372}],"sentiment":"neutral","sentiment_score":0.045616760551929474,"channel":1,"num_words":25,"start":311.43,"end":320.875},{"sentences":[{"text":"Perfect.","start":322.05,"end":322.37,"sentiment":"positive","sentiment_score":0.5350891351699829},{"text":"Thank you for that.","start":322.37,"end":323.035,"sentiment":"positive","sentiment_score":0.6410570293664932},{"text":"And the last two details I wanted to update with you is just in terms of the two trucks.","start":323.035,"end":326.955,"sentiment":"neutral","sentiment_score":0.07248298882653839},{"text":"Would you have a combined resale value on the top of your head there?","start":326.955,"end":330.315,"sentiment":"neutral","sentiment_score":0.050880507699080875},{"text":"I think the first truck was about","start":330.315,"end":331.915,"sentiment":"neutral","sentiment_score":0.012262721679040365}],"sentiment":"neutral","sentiment_score":0.11721467110845778,"channel":0,"num_words":45,"start":322.05,"end":331.915},{"sentences":[{"text":"some.","start":331.73502,"end":332.23502,"sentiment":"neutral","sentiment_score":0.01833543181419373}],"sentiment":"neutral","sentiment_score":0.01833543181419373,"channel":1,"num_words":1,"start":331.73502,"end":332.23502},{"sentences":[{"text":"20,000.","start":331.915,"end":332.735,"sentiment":"neutral","sentiment_score":0.027385864406824112}],"sentiment":"neutral","sentiment_score":0.027385864406824112,"channel":0,"num_words":1,"start":331.915,"end":332.735},{"sentences":[{"text":"Yeah.","start":336.84003,"end":337.34003,"sentiment":"neutral","sentiment_score":0.036404088139534},{"text":"We probably I'd probably say $30.35.","start":337.40002,"end":343.58002,"sentiment":"neutral","sentiment_score":0.0320168063044548}],"sentiment":"neutral","sentiment_score":0.03264356085232326,"channel":1,"num_words":7,"start":336.84003,"end":343.58002},{"sentences":[{"text":"Yep.","start":344.89,"end":345.29,"sentiment":"neutral","sentiment_score":0.09290695190429688},{"text":"And in terms of the savings, how much has that gone down to in terms of emergency fund for you guys from","start":345.29,"end":351.38498,"sentiment":"neutral","sentiment_score":0.0900180670009418}],"sentiment":"neutral","sentiment_score":0.09014367069239201,"channel":0,"num_words":23,"start":344.89,"end":351.38498},{"sentences":[{"text":"Oh, a fair bit, actually.","start":351.395,"end":352.835,"sentiment":"neutral","sentiment_score":0.04186645373702049}],"sentiment":"neutral","sentiment_score":0.04186645373702049,"channel":1,"num_words":5,"start":351.395,"end":352.835},{"sentences":[{"text":"the","start":352.66498,"end":353.16498,"sentiment":"neutral","sentiment_score":0.019621817395091057}],"sentiment":"neutral","sentiment_score":0.019621817395091057,"channel":0,"num_words":1,"start":352.66498,"end":353.16498},{"sentences":[{"text":"We probably got about 10,000 left in that savings just to","start":352.835,"end":356.595,"sentiment":"neutral","sentiment_score":0.06365840035406026}],"sentiment":"neutral","sentiment_score":0.06365840035406026,"channel":1,"num_words":11,"start":352.835,"end":356.595},{"sentences":[{"text":"Yep.","start":356.225,"end":356.725,"sentiment":"neutral","sentiment_score":0.022342588752508163}],"sentiment":"neutral","sentiment_score":0.022342588752508163,"channel":0,"num_words":1,"start":356.225,"end":356.725},{"sentences":[{"text":"yeah.","start":356.835,"end":357.335,"sentiment":"neutral","sentiment_score":-0.021114377304911613}],"sentiment":"neutral","sentiment_score":-0.021114377304911613,"channel":1,"num_words":1,"start":356.835,"end":357.335},{"sentences":[{"text":"Yeah.","start":358.005,"end":358.32498,"sentiment":"neutral","sentiment_score":-0.11931051313877106},{"text":"That paints","start":358.32498,"end":358.805,"sentiment":"neutral","sentiment_score":-0.3111962378025055}],"sentiment":"neutral","sentiment_score":-0.24723432958126068,"channel":0,"num_words":3,"start":358.005,"end":358.805},{"sentences":[{"text":"But","start":358.595,"end":358.835,"sentiment":"neutral","sentiment_score":-0.3290504515171051}],"sentiment":"neutral","sentiment_score":-0.3290504515171051,"channel":1,"num_words":1,"start":358.595,"end":358.835},{"sentences":[{"text":"a","start":358.805,"end":358.88498,"sentiment":"negative","sentiment_score":-0.6655514240264893}],"sentiment":"negative","sentiment_score":-0.6655514240264893,"channel":0,"num_words":1,"start":358.805,"end":358.88498},{"sentences":[{"text":"not","start":358.835,"end":359.235,"sentiment":"negative","sentiment_score":-0.7283915281295776}],"sentiment":"negative","sentiment_score":-0.7283915281295776,"channel":1,"num_words":1,"start":358.835,"end":359.235},{"sentences":[{"text":"good picture,","start":358.88498,"end":359.445,"sentiment":"negative","sentiment_score":-0.6548880934715271}],"sentiment":"negative","sentiment_score":-0.6548880934715271,"channel":0,"num_words":2,"start":358.88498,"end":359.445},{"sentences":[{"text":"sort","start":359.235,"end":359.555,"sentiment":"negative","sentiment_score":-0.572777509689331}],"sentiment":"negative","sentiment_score":-0.572777509689331,"channel":1,"num_words":1,"start":359.235,"end":359.555},{"sentences":[{"text":"so","start":359.445,"end":359.60498,"sentiment":"negative","sentiment_score":-0.5573840141296387}],"sentiment":"negative","sentiment_score":-0.5573840141296387,"channel":0,"num_words":1,"start":359.445,"end":359.60498},{"sentences":[{"text":"of","start":359.555,"end":359.715,"sentiment":"negative","sentiment_score":-0.5397078394889832}],"sentiment":"negative","sentiment_score":-0.5397078394889832,"channel":1,"num_words":1,"start":359.555,"end":359.715},{"sentences":[{"text":"you've","start":359.60498,"end":359.845,"sentiment":"negative","sentiment_score":-0.5292145013809204}],"sentiment":"negative","sentiment_score":-0.5292145013809204,"channel":0,"num_words":1,"start":359.60498,"end":359.845},{"sentences":[{"text":"finishing.","start":359.715,"end":360.215,"sentiment":"negative","sentiment_score":-0.5718826055526733}],"sentiment":"negative","sentiment_score":-0.5718826055526733,"channel":1,"num_words":1,"start":359.715,"end":360.215},{"sentences":[{"text":"got to kind of build it back up a little bit.","start":359.845,"end":362.425,"sentiment":"neutral","sentiment_score":-0.2325924811038104}],"sentiment":"neutral","sentiment_score":-0.2325924811038104,"channel":0,"num_words":11,"start":359.845,"end":362.425},{"sentences":[{"text":"Yeah.","start":362.275,"end":362.595,"sentiment":"neutral","sentiment_score":-0.047938063740730286},{"text":"We're trying to build that up a bit more before we finish off the house.","start":362.595,"end":366.33,"sentiment":"neutral","sentiment_score":0.0004324175417423248}],"sentiment":"neutral","sentiment_score":-0.0025907375384122133,"channel":1,"num_words":16,"start":362.275,"end":366.33},{"sentences":[{"text":"Okay.","start":367.46002,"end":367.78,"sentiment":"neutral","sentiment_score":0.11012984067201614},{"text":"And with the savings, are you able to put aside, like, a set amount every week to go towards building the savings, or how's the budgeting going?","start":367.78,"end":375.135,"sentiment":"neutral","sentiment_score":0.16934298668746595}],"sentiment":"neutral","sentiment_score":0.16722823147262847,"channel":0,"num_words":28,"start":367.46002,"end":375.135},{"sentences":[{"text":"Not so much at the moment because my husband's just he'd had to have five weeks off like he was working.","start":376.25,"end":383.875,"sentiment":"neutral","sentiment_score":-0.26742817887238096},{"text":"He had, like, his regular casual job that he was doing","start":383.875,"end":387.49503,"sentiment":"neutral","sentiment_score":-0.18876661631194028}],"sentiment":"neutral","sentiment_score":-0.24038826674222946,"channel":1,"num_words":32,"start":376.25,"end":387.49503},{"sentences":[{"text":"Yep.","start":388.11,"end":388.61,"sentiment":"neutral","sentiment_score":-0.09695213288068771}],"sentiment":"neutral","sentiment_score":-0.09695213288068771,"channel":0,"num_words":1,"start":388.11,"end":388.61},{"sentences":[{"text":"as a contractor, and then they put him off just suddenly.","start":388.595,"end":393.49503,"sentiment":"neutral","sentiment_score":-0.16184284605763175},{"text":"So we he had about five weeks where he was sort of really not had a whole lot of work, but he's now gone into something that, you know, he he now has that.","start":394.56,"end":407.84,"sentiment":"neutral","sentiment_score":-0.20985868945717812},{"text":"So it's put us behind a","start":407.84,"end":409.28,"sentiment":"neutral","sentiment_score":-0.19849257419506708}],"sentiment":"neutral","sentiment_score":-0.1981651410460472,"channel":1,"num_words":51,"start":388.595,"end":409.28},{"sentences":[{"text":"Yeah.","start":409.245,"end":409.745,"sentiment":"neutral","sentiment_score":-0.10606823861598969}],"sentiment":"neutral","sentiment_score":-0.10606823861598969,"channel":0,"num_words":1,"start":409.245,"end":409.745},{"sentences":[{"text":"little bit.","start":409.28,"end":410.02002,"sentiment":"neutral","sentiment_score":-0.10792521014809608}],"sentiment":"neutral","sentiment_score":-0.10792521014809608,"channel":1,"num_words":2,"start":409.28,"end":410.02002},{"sentences":[{"text":"Yep.","start":411.165,"end":411.6,"sentiment":"neutral","sentiment_score":0.028644271194934845}],"sentiment":"neutral","sentiment_score":0.028644271194934845,"channel":0,"num_words":1,"start":411.165,"end":411.6},{"sentences":[{"text":"Yeah.","start":411.44498,"end":411.925,"sentiment":"neutral","sentiment_score":0.04056823253631592},{"text":"So we're just trying to build that back up now from now.","start":411.925,"end":414.985,"sentiment":"neutral","sentiment_score":0.06934772928555806}],"sentiment":"neutral","sentiment_score":0.06713392184330867,"channel":1,"num_words":13,"start":411.44498,"end":414.985},{"sentences":[{"text":"Perfect.","start":415.68,"end":416.08002,"sentiment":"positive","sentiment_score":0.43961843848228455},{"text":"Perfect.","start":416.08002,"end":416.48,"sentiment":"positive","sentiment_score":0.4116891622543335},{"text":"So","start":416.48,"end":416.98,"sentiment":"neutral","sentiment_score":0.21347254514694217}],"sentiment":"positive","sentiment_score":0.3549267152945201,"channel":0,"num_words":3,"start":415.68,"end":416.98},{"sentences":[{"text":"So","start":416.88498,"end":417.285,"sentiment":"neutral","sentiment_score":0.21426567435264587}],"sentiment":"neutral","sentiment_score":0.21426567435264587,"channel":1,"num_words":1,"start":416.88498,"end":417.285},{"sentences":[{"text":"settle into","start":417.04,"end":417.68,"sentiment":"neutral","sentiment_score":0.25429150462150574}],"sentiment":"neutral","sentiment_score":0.25429150462150574,"channel":0,"num_words":2,"start":417.04,"end":417.68},{"sentences":[{"text":"yeah.","start":417.365,"end":417.865,"sentiment":"neutral","sentiment_score":0.2589781880378723}],"sentiment":"neutral","sentiment_score":0.2589781880378723,"channel":1,"num_words":1,"start":417.365,"end":417.865},{"sentences":[{"text":"the position, build up the savings again.","start":417.68,"end":420.26,"sentiment":"neutral","sentiment_score":0.25417184829711914}],"sentiment":"neutral","sentiment_score":0.25417184829711914,"channel":0,"num_words":7,"start":417.68,"end":420.26},{"sentences":[{"text":"Yeah.","start":420.645,"end":421.145,"sentiment":"neutral","sentiment_score":0.09768246114253998},{"text":"Yeah.","start":421.205,"end":421.705,"sentiment":"neutral","sentiment_score":0.07113251090049744}],"sentiment":"neutral","sentiment_score":0.08440748602151871,"channel":1,"num_words":2,"start":420.645,"end":421.705},{"sentences":[{"text":"And, Bob, I wanted to update too in terms of the occupation there.","start":422.48,"end":427.60498,"sentiment":"neutral","sentiment_score":0.06374160802135101},{"text":"We had you earning about 60,000 as a bit of an admin officer.","start":427.60498,"end":431.625,"sentiment":"neutral","sentiment_score":0.04098044120921539},{"text":"Has your","start":431.845,"end":432.485,"sentiment":"neutral","sentiment_score":0.018635805696249008}],"sentiment":"neutral","sentiment_score":0.04995208040678075,"channel":0,"num_words":28,"start":422.48,"end":432.485},{"sentences":[{"text":"Mhmm.","start":432.28998,"end":432.78998,"sentiment":"neutral","sentiment_score":0.02274365723133087}],"sentiment":"neutral","sentiment_score":0.02274365723133087,"channel":1,"num_words":1,"start":432.28998,"end":432.78998},{"sentences":[{"text":"role changed very much?","start":432.485,"end":433.94498,"sentiment":"neutral","sentiment_score":-0.00126644317060709}],"sentiment":"neutral","sentiment_score":-0.00126644317060709,"channel":0,"num_words":4,"start":432.485,"end":433.94498},{"sentences":[{"text":"No.","start":434.68997,"end":435.00998,"sentiment":"neutral","sentiment_score":-0.12994934618473053},{"text":"Not really.","start":435.00998,"end":435.83,"sentiment":"neutral","sentiment_score":-0.13464756309986115}],"sentiment":"neutral","sentiment_score":-0.1330814907948176,"channel":1,"num_words":3,"start":434.68997,"end":435.83},{"sentences":[{"text":"Perfect.","start":437.44498,"end":437.94498,"sentiment":"neutral","sentiment_score":0.034908365458250046},{"text":"Who's that for again in terms of employer?","start":438.965,"end":441.22498,"sentiment":"neutral","sentiment_score":-0.00025310053024441004}],"sentiment":"neutral","sentiment_score":0.0036537290240327516,"channel":0,"num_words":9,"start":437.44498,"end":441.22498},{"sentences":[{"text":"So I work for the Department of Education yeah.","start":440.985,"end":448.52002,"sentiment":"neutral","sentiment_score":0.02035172118080987},{"text":"The Department of Education.","start":448.52002,"end":449.82,"sentiment":"neutral","sentiment_score":0.02353927632793784},{"text":"And I also work for a not for profit preschool, Wares Creek Preschool.","start":451.24002,"end":455.98,"sentiment":"neutral","sentiment_score":0.02186822246473569}],"sentiment":"neutral","sentiment_score":0.02160036492233093,"channel":1,"num_words":26,"start":440.985,"end":455.98},{"sentences":[{"text":"That's what I was noticing because there's two different contributions coming through.","start":457.245,"end":460.705,"sentiment":"neutral","sentiment_score":-0.004675205564126372}],"sentiment":"neutral","sentiment_score":-0.004675205564126372,"channel":0,"num_words":12,"start":457.245,"end":460.705},{"sentences":[{"text":"Yeah.","start":460.76,"end":461.16,"sentiment":"neutral","sentiment_score":0.013624481856822968},{"text":"Yeah.","start":461.16,"end":461.56,"sentiment":"neutral","sentiment_score":0.011962872929871082},{"text":"So one is","start":461.56,"end":462.36002,"sentiment":"neutral","sentiment_score":0.009682362899184227}],"sentiment":"neutral","sentiment_score":0.010926888696849347,"channel":1,"num_words":5,"start":460.76,"end":462.36002},{"sentences":[{"text":"The","start":462.205,"end":462.525,"sentiment":"neutral","sentiment_score":0.00669841468334198}],"sentiment":"neutral","sentiment_score":0.00669841468334198,"channel":0,"num_words":1,"start":462.205,"end":462.525},{"sentences":[{"text":"one","start":462.36002,"end":462.6,"sentiment":"neutral","sentiment_score":0.007918056100606918}],"sentiment":"neutral","sentiment_score":0.007918056100606918,"channel":1,"num_words":1,"start":462.36002,"end":462.6},{"sentences":[{"text":"government's","start":462.525,"end":463.00497,"sentiment":"neutral","sentiment_score":0.0025249149184674025}],"sentiment":"neutral","sentiment_score":0.0025249149184674025,"channel":0,"num_words":1,"start":462.525,"end":463.00497},{"sentences":[{"text":"is from the","start":462.6,"end":463.16,"sentiment":"neutral","sentiment_score":0.00246565043926239}],"sentiment":"neutral","sentiment_score":0.00246565043926239,"channel":1,"num_words":3,"start":462.6,"end":463.16},{"sentences":[{"text":"a bit","start":463.00497,"end":463.32498,"sentiment":"neutral","sentiment_score":-0.00019130576401948923}],"sentiment":"neutral","sentiment_score":-0.00019130576401948923,"channel":0,"num_words":2,"start":463.00497,"end":463.32498},{"sentences":[{"text":"department.","start":463.16,"end":463.66,"sentiment":"neutral","sentiment_score":-0.004012242890894413}],"sentiment":"neutral","sentiment_score":-0.004012242890894413,"channel":1,"num_words":1,"start":463.16,"end":463.66},{"sentences":[{"text":"higher.","start":463.32498,"end":463.82498,"sentiment":"neutral","sentiment_score":0.0031296266242861748},{"text":"Yep.","start":464.28497,"end":464.78497,"sentiment":"neutral","sentiment_score":0.012674625031650066}],"sentiment":"neutral","sentiment_score":0.00790212582796812,"channel":0,"num_words":2,"start":463.32498,"end":464.78497},{"sentences":[{"text":"Yeah.","start":464.79498,"end":465.195,"sentiment":"neutral","sentiment_score":0.012965109199285507},{"text":"And one's a yeah.","start":465.195,"end":470.715,"sentiment":"neutral","sentiment_score":-0.0024869528133422136},{"text":"That","start":470.715,"end":471.215,"sentiment":"neutral","sentiment_score":-0.007903346791863441}],"sentiment":"neutral","sentiment_score":-0.0008143414743244648,"channel":1,"num_words":6,"start":464.79498,"end":471.215},{"sentences":[{"text":"And","start":471.82,"end":472.14,"sentiment":"neutral","sentiment_score":-0.007764886133372784}],"sentiment":"neutral","sentiment_score":-0.007764886133372784,"channel":0,"num_words":1,"start":471.82,"end":472.14},{"sentences":[{"text":"one.","start":471.835,"end":472.155,"sentiment":"neutral","sentiment_score":-0.01694786734879017}],"sentiment":"neutral","sentiment_score":-0.01694786734879017,"channel":1,"num_words":1,"start":471.835,"end":472.155},{"sentences":[{"text":"that's","start":472.14,"end":472.38,"sentiment":"neutral","sentiment_score":-0.03645109385251999}],"sentiment":"neutral","sentiment_score":-0.03645109385251999,"channel":0,"num_words":1,"start":472.14,"end":472.38},{"sentences":[{"text":"Sorry.","start":472.155,"end":472.655,"sentiment":"neutral","sentiment_score":-0.05036371201276779}],"sentiment":"neutral","sentiment_score":-0.05036371201276779,"channel":1,"num_words":1,"start":472.155,"end":472.655},{"sentences":[{"text":"Wares Creek preschool,","start":472.38,"end":474.8,"sentiment":"neutral","sentiment_score":-0.046095396081606545}],"sentiment":"neutral","sentiment_score":-0.046095396081606545,"channel":0,"num_words":3,"start":472.38,"end":474.8},{"sentences":[{"text":"Yep.","start":474.79498,"end":475.29498,"sentiment":"neutral","sentiment_score":-0.033965058624744415}],"sentiment":"neutral","sentiment_score":-0.033965058624744415,"channel":1,"num_words":1,"start":474.79498,"end":475.29498},{"sentences":[{"text":"not for profit.","start":476.06,"end":476.96,"sentiment":"neutral","sentiment_score":-0.07415077090263367}],"sentiment":"neutral","sentiment_score":-0.07415077090263367,"channel":0,"num_words":3,"start":476.06,"end":476.96},{"sentences":[{"text":"Mhmm.","start":477.435,"end":477.935,"sentiment":"neutral","sentiment_score":-0.014294778928160667}],"sentiment":"neutral","sentiment_score":-0.014294778928160667,"channel":1,"num_words":1,"start":477.435,"end":477.935},{"sentences":[{"text":"Now just quickly, in terms of your income, are they pretty well equally weighted?","start":478.79498,"end":483.275,"sentiment":"neutral","sentiment_score":0.004941377722259078},{"text":"Like, is it fifty fifty between where you get the income from, or is","start":483.275,"end":486.79498,"sentiment":"neutral","sentiment_score":-0.027382679948849336}],"sentiment":"neutral","sentiment_score":-0.01122065111329513,"channel":0,"num_words":28,"start":478.79498,"end":486.79498},{"sentences":[{"text":"No.","start":486.73,"end":487.05,"sentiment":"neutral","sentiment_score":-0.10678216069936752}],"sentiment":"neutral","sentiment_score":-0.10678216069936752,"channel":1,"num_words":1,"start":486.73,"end":487.05},{"sentences":[{"text":"one a","start":486.79498,"end":487.115,"sentiment":"neutral","sentiment_score":-0.0902877151966095}],"sentiment":"neutral","sentiment_score":-0.0902877151966095,"channel":0,"num_words":2,"start":486.79498,"end":487.115},{"sentences":[{"text":"Not","start":487.05,"end":487.45,"sentiment":"neutral","sentiment_score":-0.1941308230161667}],"sentiment":"neutral","sentiment_score":-0.1941308230161667,"channel":1,"num_words":1,"start":487.05,"end":487.45},{"sentences":[{"text":"bit more than the other?","start":487.115,"end":488.25497,"sentiment":"neutral","sentiment_score":-0.16207170784473418}],"sentiment":"neutral","sentiment_score":-0.16207170784473418,"channel":0,"num_words":5,"start":487.115,"end":488.25497},{"sentences":[{"text":"no.","start":487.77,"end":488.09,"sentiment":"neutral","sentiment_score":-0.14961427450180054},{"text":"One's a bit higher.","start":488.09,"end":489.13,"sentiment":"neutral","sentiment_score":-0.17605557292699814},{"text":"So the one I work three days for the department and two days for the other place.","start":489.13,"end":494.27,"sentiment":"neutral","sentiment_score":-0.04176554160521311}],"sentiment":"neutral","sentiment_score":-0.07108412606810982,"channel":1,"num_words":22,"start":487.77,"end":494.27},{"sentences":[{"text":"Gotcha.","start":495.21,"end":495.71,"sentiment":"neutral","sentiment_score":0.02174608968198299}],"sentiment":"neutral","sentiment_score":0.02174608968198299,"channel":0,"num_words":1,"start":495.21,"end":495.71},{"sentences":[{"text":"So,","start":495.255,"end":495.755,"sentiment":"neutral","sentiment_score":0.026185203343629837}],"sentiment":"neutral","sentiment_score":0.026185203343629837,"channel":1,"num_words":1,"start":495.255,"end":495.755},{"sentences":[{"text":"Okay.","start":495.77,"end":496.27,"sentiment":"neutral","sentiment_score":0.06547574698925018}],"sentiment":"neutral","sentiment_score":0.06547574698925018,"channel":0,"num_words":1,"start":495.77,"end":496.27},{"sentences":[{"text":"yeah, that's where it's","start":496.21503,"end":497.73502,"sentiment":"neutral","sentiment_score":0.11578974686563015}],"sentiment":"neutral","sentiment_score":0.11578974686563015,"channel":1,"num_words":4,"start":496.21503,"end":497.73502},{"sentences":[{"text":"Profit.","start":500.25,"end":500.75,"sentiment":"neutral","sentiment_score":0.17025581002235413},{"text":"Perfect.","start":501.05,"end":501.55,"sentiment":"positive","sentiment_score":0.6962988972663879},{"text":"That's what I needed.","start":501.61002,"end":502.75,"sentiment":"positive","sentiment_score":0.5441401302814484},{"text":"And in terms of family, we just had you obviously married with two dependent children at the time.","start":504.335,"end":510.275,"sentiment":"neutral","sentiment_score":0.10437081878383954}],"sentiment":"neutral","sentiment_score":0.2050745819384853,"channel":0,"num_words":24,"start":500.25,"end":510.275},{"sentences":[{"text":"That's correct.","start":510.56,"end":511.28,"sentiment":"neutral","sentiment_score":0.1778300777077675},{"text":"Yes.","start":511.28,"end":511.78,"sentiment":"positive","sentiment_score":0.36945489048957825}],"sentiment":"neutral","sentiment_score":0.2417050153017044,"channel":1,"num_words":3,"start":510.56,"end":511.78},{"sentences":[{"text":"Amazing.","start":512.015,"end":512.495,"sentiment":"positive","sentiment_score":0.5711607933044434},{"text":"And you didn't end up getting a, like, a will or a power of attorney in place?","start":512.495,"end":516.195,"sentiment":"neutral","sentiment_score":0.13932623319766102}],"sentiment":"neutral","sentiment_score":0.16331704209248224,"channel":0,"num_words":18,"start":512.015,"end":516.195},{"sentences":[{"text":"Not yet.","start":516.8,"end":517.68,"sentiment":"neutral","sentiment_score":-0.10850261524319649},{"text":"No.","start":517.68,"end":517.92,"sentiment":"neutral","sentiment_score":-0.17276115715503693},{"text":"We've had a few things going on.","start":517.92,"end":519.76,"sentiment":"neutral","sentiment_score":-0.15271221739905222},{"text":"So,","start":519.76,"end":520.26,"sentiment":"neutral","sentiment_score":-0.04053366929292679}],"sentiment":"neutral","sentiment_score":-0.13629868897524747,"channel":1,"num_words":11,"start":516.8,"end":520.26},{"sentences":[{"text":"I can imagine.","start":520.21,"end":521.09,"sentiment":"neutral","sentiment_score":-0.029964632044235866},{"text":"Absolutely.","start":521.09,"end":521.59,"sentiment":"neutral","sentiment_score":0.0576515793800354}],"sentiment":"neutral","sentiment_score":-0.008060579188168049,"channel":0,"num_words":4,"start":520.21,"end":521.59},{"sentences":[{"text":"yeah, it's","start":521.47504,"end":521.955,"sentiment":"neutral","sentiment_score":-0.011875965166836977}],"sentiment":"neutral","sentiment_score":-0.011875965166836977,"channel":1,"num_words":2,"start":521.47504,"end":521.955},{"sentences":[{"text":"It's just","start":521.73004,"end":522.29004,"sentiment":"neutral","sentiment_score":-0.10811061784625053}],"sentiment":"neutral","sentiment_score":-0.10811061784625053,"channel":0,"num_words":2,"start":521.73004,"end":522.29004},{"sentences":[{"text":"been a bit","start":521.955,"end":522.515,"sentiment":"neutral","sentiment_score":-0.14864739775657654}],"sentiment":"neutral","sentiment_score":-0.14864739775657654,"channel":1,"num_words":3,"start":521.955,"end":522.515},{"sentences":[{"text":"everyone's","start":522.37,"end":522.77,"sentiment":"neutral","sentiment_score":-0.26181530952453613}],"sentiment":"neutral","sentiment_score":-0.26181530952453613,"channel":0,"num_words":1,"start":522.37,"end":522.77},{"sentences":[{"text":"busy","start":522.515,"end":522.91504,"sentiment":"neutral","sentiment_score":-0.2252700924873352}],"sentiment":"neutral","sentiment_score":-0.2252700924873352,"channel":1,"num_words":1,"start":522.515,"end":522.91504},{"sentences":[{"text":"just","start":522.77,"end":522.93,"sentiment":"neutral","sentiment_score":-0.23213165998458865}],"sentiment":"neutral","sentiment_score":-0.23213165998458865,"channel":0,"num_words":1,"start":522.77,"end":522.93},{"sentences":[{"text":"for","start":522.91504,"end":523.155,"sentiment":"neutral","sentiment_score":-0.19945326447486875}],"sentiment":"neutral","sentiment_score":-0.19945326447486875,"channel":1,"num_words":1,"start":522.91504,"end":523.155},{"sentences":[{"text":"trying to","start":522.93,"end":523.17004,"sentiment":"neutral","sentiment_score":-0.18455789238214493}],"sentiment":"neutral","sentiment_score":-0.18455789238214493,"channel":0,"num_words":2,"start":522.93,"end":523.17004},{"sentences":[{"text":"us.","start":523.155,"end":523.655,"sentiment":"neutral","sentiment_score":-0.19630780816078183}],"sentiment":"neutral","sentiment_score":-0.19630780816078183,"channel":1,"num_words":1,"start":523.155,"end":523.655},{"sentences":[{"text":"get by at the moment.","start":523.17004,"end":524.31,"sentiment":"neutral","sentiment_score":-0.14800935685634614}],"sentiment":"neutral","sentiment_score":-0.14800935685634614,"channel":0,"num_words":5,"start":523.17004,"end":524.31},{"sentences":[{"text":"Yeah.","start":524.59503,"end":524.995,"sentiment":"neutral","sentiment_score":-0.06327889114618301},{"text":"Yeah.","start":524.995,"end":525.315,"sentiment":"neutral","sentiment_score":-0.07804737985134125},{"text":"We've been really busy too with things, so we've sort of yeah.","start":525.315,"end":530.85504,"sentiment":"neutral","sentiment_score":-0.15169429841140905},{"text":"It's just been yeah.","start":531.635,"end":532.995,"sentiment":"neutral","sentiment_score":-0.09589681960642338},{"text":"It's been crazy.","start":532.995,"end":533.895,"sentiment":"neutral","sentiment_score":-0.1894930899143219}],"sentiment":"neutral","sentiment_score":-0.1387487809572901,"channel":1,"num_words":21,"start":524.59503,"end":533.895},{"sentences":[{"text":"No.","start":534.625,"end":534.865,"sentiment":"neutral","sentiment_score":-0.07739344239234924},{"text":"That's fine.","start":534.865,"end":535.505,"sentiment":"neutral","sentiment_score":0.06485679186880589},{"text":"I just wanted to check with you today if you wanted me to send through some forms for your super beneficiary to get that updated on Hub since remember we changed you over from Netwealth to Hub.","start":535.505,"end":546.81995,"sentiment":"neutral","sentiment_score":0.1334369897439673},{"text":"I think we still needed to list somebody on the super there if it would be easy for me to kind of put together some prefilled forms for you just to make it a bit easier.","start":546.81995,"end":555.8,"sentiment":"neutral","sentiment_score":0.1625768035236332}],"sentiment":"neutral","sentiment_score":0.14266123274635328,"channel":0,"num_words":76,"start":534.625,"end":555.8},{"sentences":[{"text":"Yeah.","start":557.385,"end":557.70496,"sentiment":"neutral","sentiment_score":0.07707362622022629},{"text":"Righto.","start":557.70496,"end":558.185,"sentiment":"neutral","sentiment_score":0.08932016789913177},{"text":"Yep.","start":558.185,"end":558.685,"sentiment":"neutral","sentiment_score":0.07860520482063293}],"sentiment":"neutral","sentiment_score":0.081666332979997,"channel":1,"num_words":3,"start":557.385,"end":558.685},{"sentences":[{"text":"When it comes to the beneficiary nominations of who it goes to, is it just going to your partner?","start":560.465,"end":565.505,"sentiment":"neutral","sentiment_score":0.031364393175432555},{"text":"Or","start":565.505,"end":566.005,"sentiment":"neutral","sentiment_score":0.007854532450437546}],"sentiment":"neutral","sentiment_score":0.030188900139182805,"channel":0,"num_words":20,"start":560.465,"end":566.005},{"sentences":[{"text":"Yeah.","start":565.98,"end":566.3,"sentiment":"neutral","sentiment_score":0.010262610390782356},{"text":"I'll just put it to my husband at this stage because the kids are a bit too young.","start":566.3,"end":570.32,"sentiment":"neutral","sentiment_score":-0.02796740752334396}],"sentiment":"neutral","sentiment_score":-0.025955301317337313,"channel":1,"num_words":19,"start":565.98,"end":570.32},{"sentences":[{"text":"yeah.","start":571.04004,"end":571.44,"sentiment":"neutral","sentiment_score":0.04264918342232704},{"text":"And that's the thing is when you nominate someone 18, whoever becomes their guardian kind of controls the funds on their behalf as well.","start":571.44,"end":579.62006,"sentiment":"neutral","sentiment_score":0.05878427562614282}],"sentiment":"neutral","sentiment_score":0.05813887193799019,"channel":0,"num_words":25,"start":571.04004,"end":579.62006},{"sentences":[{"text":"Yes.","start":580.275,"end":580.775,"sentiment":"neutral","sentiment_score":0.06374421715736389}],"sentiment":"neutral","sentiment_score":0.06374421715736389,"channel":1,"num_words":1,"start":580.275,"end":580.775},{"sentences":[{"text":"Hey, Bob.","start":582.255,"end":582.735,"sentiment":"neutral","sentiment_score":0.04886200278997421},{"text":"Do you have a preference between in terms of the nominations, you can make it that it expires every three years to kind of force people to check them, or you can make it continuous, which is a non lapsing.","start":582.735,"end":594.33,"sentiment":"neutral","sentiment_score":-0.00990357210393995},{"text":"It doesn't change unless you decide","start":594.47003,"end":596.07,"sentiment":"neutral","sentiment_score":-0.04624210484325886}],"sentiment":"neutral","sentiment_score":-0.011997323075775057,"channel":0,"num_words":48,"start":582.255,"end":596.07},{"sentences":[{"text":"I'll","start":595.89,"end":596.13,"sentiment":"neutral","sentiment_score":-0.03877668082714081}],"sentiment":"neutral","sentiment_score":-0.03877668082714081,"channel":1,"num_words":1,"start":595.89,"end":596.13},{"sentences":[{"text":"to","start":596.07,"end":596.23004,"sentiment":"neutral","sentiment_score":-0.027774259448051453}],"sentiment":"neutral","sentiment_score":-0.027774259448051453,"channel":0,"num_words":1,"start":596.07,"end":596.23004},{"sentences":[{"text":"do","start":596.13,"end":596.29,"sentiment":"neutral","sentiment_score":-0.013494495302438736}],"sentiment":"neutral","sentiment_score":-0.013494495302438736,"channel":1,"num_words":1,"start":596.13,"end":596.29},{"sentences":[{"text":"change","start":596.23004,"end":596.39,"sentiment":"neutral","sentiment_score":-0.022880416363477707}],"sentiment":"neutral","sentiment_score":-0.022880416363477707,"channel":0,"num_words":1,"start":596.23004,"end":596.39},{"sentences":[{"text":"it","start":596.29,"end":596.45,"sentiment":"neutral","sentiment_score":-0.02996952086687088}],"sentiment":"neutral","sentiment_score":-0.02996952086687088,"channel":1,"num_words":1,"start":596.29,"end":596.45},{"sentences":[{"text":"it.","start":596.39,"end":596.89,"sentiment":"neutral","sentiment_score":-0.02735879272222519}],"sentiment":"neutral","sentiment_score":-0.02735879272222519,"channel":0,"num_words":1,"start":596.39,"end":596.89},{"sentences":[{"text":"for every three years, I think, just so","start":596.45,"end":598.77,"sentiment":"neutral","sentiment_score":0.01047452725470066}],"sentiment":"neutral","sentiment_score":0.01047452725470066,"channel":1,"num_words":8,"start":596.45,"end":598.77},{"sentences":[{"text":"Yeah.","start":598.71,"end":598.87,"sentiment":"neutral","sentiment_score":0.08511316776275635}],"sentiment":"neutral","sentiment_score":0.08511316776275635,"channel":0,"num_words":1,"start":598.71,"end":598.87},{"sentences":[{"text":"we can","start":598.77,"end":599.35004,"sentiment":"neutral","sentiment_score":0.13885504007339478}],"sentiment":"neutral","sentiment_score":0.13885504007339478,"channel":1,"num_words":2,"start":598.77,"end":599.35004},{"sentences":[{"text":"Yep.","start":598.87,"end":599.11,"sentiment":"neutral","sentiment_score":0.2384379506111145},{"text":"That's good.","start":599.11,"end":599.75,"sentiment":"positive","sentiment_score":0.6727021038532257}],"sentiment":"positive","sentiment_score":0.5279473861058553,"channel":0,"num_words":3,"start":598.87,"end":599.75},{"sentences":[{"text":"keep up","start":599.49,"end":599.97003,"sentiment":"neutral","sentiment_score":0.28174711763858795}],"sentiment":"neutral","sentiment_score":0.28174711763858795,"channel":1,"num_words":2,"start":599.49,"end":599.97003},{"sentences":[{"text":"Bit","start":599.75,"end":599.99,"sentiment":"neutral","sentiment_score":0.30209463834762573}],"sentiment":"neutral","sentiment_score":0.30209463834762573,"channel":0,"num_words":1,"start":599.75,"end":599.99},{"sentences":[{"text":"to","start":599.97003,"end":600.05,"sentiment":"neutral","sentiment_score":0.28679296374320984}],"sentiment":"neutral","sentiment_score":0.28679296374320984,"channel":1,"num_words":1,"start":599.97003,"end":600.05},{"sentences":[{"text":"of","start":599.99,"end":600.15,"sentiment":"neutral","sentiment_score":0.2246189117431641}],"sentiment":"neutral","sentiment_score":0.2246189117431641,"channel":0,"num_words":1,"start":599.99,"end":600.15},{"sentences":[{"text":"date","start":600.05,"end":600.29,"sentiment":"neutral","sentiment_score":0.23898237943649292}],"sentiment":"neutral","sentiment_score":0.23898237943649292,"channel":1,"num_words":1,"start":600.05,"end":600.29},{"sentences":[{"text":"a refresher.","start":600.15,"end":600.73004,"sentiment":"neutral","sentiment_score":0.267718181014061}],"sentiment":"neutral","sentiment_score":0.267718181014061,"channel":0,"num_words":2,"start":600.15,"end":600.73004},{"sentences":[{"text":"on it.","start":600.29,"end":601.03,"sentiment":"neutral","sentiment_score":0.1330695003271103},{"text":"Yeah.","start":602.195,"end":602.515,"sentiment":"neutral","sentiment_score":0.16613146662712097}],"sentiment":"neutral","sentiment_score":0.14409015576044717,"channel":1,"num_words":3,"start":600.29,"end":602.515},{"sentences":[{"text":"Absolutely.","start":602.23004,"end":602.73004,"sentiment":"neutral","sentiment_score":0.26662448048591614}],"sentiment":"neutral","sentiment_score":0.26662448048591614,"channel":0,"num_words":1,"start":602.23004,"end":602.73004},{"sentences":[{"text":"Not that it'll probably","start":602.515,"end":603.635,"sentiment":"neutral","sentiment_score":0.033661714754998684}],"sentiment":"neutral","sentiment_score":0.033661714754998684,"channel":1,"num_words":4,"start":602.515,"end":603.635},{"sentences":[{"text":"And","start":603.19,"end":603.69,"sentiment":"neutral","sentiment_score":-0.014572707936167715}],"sentiment":"neutral","sentiment_score":-0.014572707936167715,"channel":0,"num_words":1,"start":603.19,"end":603.69},{"sentences":[{"text":"won't change, but, you know,","start":603.635,"end":605.23505,"sentiment":"neutral","sentiment_score":0.0031014271080493927}],"sentiment":"neutral","sentiment_score":0.0031014271080493927,"channel":1,"num_words":5,"start":603.635,"end":605.23505},{"sentences":[{"text":"yeah.","start":605.03,"end":605.53,"sentiment":"neutral","sentiment_score":0.10429098457098009}],"sentiment":"neutral","sentiment_score":0.10429098457098009,"channel":0,"num_words":1,"start":605.03,"end":605.53},{"sentences":[{"text":"it's probably better to to just do a double check.","start":605.23505,"end":609.17505,"sentiment":"neutral","sentiment_score":0.1221816137433052}],"sentiment":"neutral","sentiment_score":0.1221816137433052,"channel":1,"num_words":10,"start":605.23505,"end":609.17505},{"sentences":[{"text":"Amazing.","start":610.555,"end":611.055,"sentiment":"positive","sentiment_score":0.7234115600585938},{"text":"And we'll obviously bring it up during the reviews as well just to make sure that you're still happy with it.","start":611.115,"end":615.355,"sentiment":"positive","sentiment_score":0.5754766577766055},{"text":"And if there's any","start":615.355,"end":616.15497,"sentiment":"neutral","sentiment_score":0.08770403452217579}],"sentiment":"positive","sentiment_score":0.506124519671385,"channel":0,"num_words":26,"start":610.555,"end":616.15497},{"sentences":[{"text":"Yep.","start":616.03503,"end":616.38,"sentiment":"neutral","sentiment_score":0.02433452568948269}],"sentiment":"neutral","sentiment_score":0.02433452568948269,"channel":1,"num_words":1,"start":616.03503,"end":616.38},{"sentences":[{"text":"changes that need to be done, You can make it legally binding so the super fund has to do it, or it's a bit of a strange question, but you can make it non legally binding so the super fund has a bit of discretion there.","start":616.15497,"end":630.45996,"sentiment":"neutral","sentiment_score":0.010057830170768759},{"text":"Do you have","start":630.45996,"end":630.955,"sentiment":"neutral","sentiment_score":0.001943605641523997}],"sentiment":"neutral","sentiment_score":0.009561040913876223,"channel":0,"num_words":49,"start":616.15497,"end":630.955},{"sentences":[{"text":"Yep.","start":630.94,"end":631.44,"sentiment":"neutral","sentiment_score":0.00633995421230793}],"sentiment":"neutral","sentiment_score":0.00633995421230793,"channel":1,"num_words":1,"start":630.94,"end":631.44},{"sentences":[{"text":"a preference between those?","start":630.955,"end":632.075,"sentiment":"neutral","sentiment_score":0.003237395780161023},{"text":"I know it's a bit of a silly question.","start":632.075,"end":633.615,"sentiment":"neutral","sentiment_score":-0.0913524039917522}],"sentiment":"neutral","sentiment_score":-0.0622478502157789,"channel":0,"num_words":13,"start":630.955,"end":633.615},{"sentences":[{"text":"Yeah.","start":635.575,"end":636.075,"sentiment":"neutral","sentiment_score":0.01698984019458294},{"text":"I'll probably do it binding, I think, just","start":637.255,"end":640.055,"sentiment":"neutral","sentiment_score":0.07310848450288177}],"sentiment":"neutral","sentiment_score":0.06687307957973745,"channel":1,"num_words":9,"start":635.575,"end":640.055},{"sentences":[{"text":"Yeah.","start":639.835,"end":640.335,"sentiment":"neutral","sentiment_score":0.1146051436662674}],"sentiment":"neutral","sentiment_score":0.1146051436662674,"channel":0,"num_words":1,"start":639.835,"end":640.335},{"sentences":[{"text":"so it's all right.","start":640.055,"end":641.675,"sentiment":"neutral","sentiment_score":0.18293165042996407}],"sentiment":"neutral","sentiment_score":0.18293165042996407,"channel":1,"num_words":4,"start":640.055,"end":641.675},{"sentences":[{"text":"Yeah.","start":642.235,"end":642.475,"sentiment":"neutral","sentiment_score":0.17062106728553772},{"text":"In that way, there's no issues when it goes through the legal","start":642.475,"end":646.71,"sentiment":"neutral","sentiment_score":0.20547012239694595}],"sentiment":"neutral","sentiment_score":0.20278942584991455,"channel":0,"num_words":13,"start":642.235,"end":646.71},{"sentences":[{"text":"Yes.","start":646.455,"end":646.955,"sentiment":"neutral","sentiment_score":0.20263132452964783}],"sentiment":"neutral","sentiment_score":0.20263132452964783,"channel":1,"num_words":1,"start":646.455,"end":646.955},{"sentences":[{"text":"system.","start":646.71,"end":647.21,"sentiment":"neutral","sentiment_score":0.2422078102827072},{"text":"It's pretty","start":647.35,"end":647.91,"sentiment":"neutral","sentiment_score":0.26808352768421173}],"sentiment":"neutral","sentiment_score":0.2594582885503769,"channel":0,"num_words":3,"start":646.71,"end":647.91},{"sentences":[{"text":"Yes.","start":647.81,"end":648.31,"sentiment":"neutral","sentiment_score":0.28143590688705444}],"sentiment":"neutral","sentiment_score":0.28143590688705444,"channel":1,"num_words":1,"start":647.81,"end":648.31},{"sentences":[{"text":"straightforward.","start":647.91,"end":648.41,"sentiment":"neutral","sentiment_score":0.2953464984893799},{"text":"So what I'll do is I'll get those details in there.","start":648.87,"end":652.57,"sentiment":"neutral","sentiment_score":0.1388004246083173},{"text":"Would it be easier for you to because normally with those beneficiaries, we send them out.","start":652.87,"end":656.57,"sentiment":"neutral","sentiment_score":0.14709793217480183},{"text":"You can either get them via email and print them, or we can just post them out to you with a return envelope.","start":656.95,"end":663.08496,"sentiment":"neutral","sentiment_score":0.12041344461233719},{"text":"What would be easier?","start":663.08496,"end":664.065,"sentiment":"neutral","sentiment_score":0.12210625223815441}],"sentiment":"neutral","sentiment_score":0.13515731489116495,"channel":0,"num_words":55,"start":647.91,"end":664.065},{"sentences":[{"text":"Probably print them out and send them to me.","start":666.065,"end":668.645,"sentiment":"neutral","sentiment_score":0.11387862927383846},{"text":"Because then","start":668.78503,"end":669.34503,"sentiment":"neutral","sentiment_score":0.11673811823129654}],"sentiment":"neutral","sentiment_score":0.11439853635701266,"channel":1,"num_words":11,"start":666.065,"end":669.34503},{"sentences":[{"text":"Yep.","start":669.245,"end":669.745,"sentiment":"neutral","sentiment_score":0.12049099802970886}],"sentiment":"neutral","sentiment_score":0.12049099802970886,"channel":0,"num_words":1,"start":669.245,"end":669.745},{"sentences":[{"text":"I'll yeah.","start":669.34503,"end":670.54504,"sentiment":"neutral","sentiment_score":0.16542328149080276},{"text":"I'm able to do that then.","start":670.54504,"end":671.905,"sentiment":"neutral","sentiment_score":0.17342851559321085},{"text":"I'll just yeah.","start":671.905,"end":674.24,"sentiment":"neutral","sentiment_score":0.05727283904949824},{"text":"Otherwise, it just gets a bit you know, it it","start":674.24,"end":678.32,"sentiment":"neutral","sentiment_score":-0.05150243863463402}],"sentiment":"neutral","sentiment_score":0.04896246606395358,"channel":1,"num_words":21,"start":669.34503,"end":678.32},{"sentences":[{"text":"You","start":678.3,"end":678.45996,"sentiment":"neutral","sentiment_score":-0.11272787302732468}],"sentiment":"neutral","sentiment_score":-0.11272787302732468,"channel":0,"num_words":1,"start":678.3,"end":678.45996},{"sentences":[{"text":"gets","start":678.32,"end":678.72003,"sentiment":"neutral","sentiment_score":-0.15490733087062836}],"sentiment":"neutral","sentiment_score":-0.15490733087062836,"channel":1,"num_words":1,"start":678.32,"end":678.72003},{"sentences":[{"text":"can get","start":678.45996,"end":678.86,"sentiment":"neutral","sentiment_score":-0.15433572977781296}],"sentiment":"neutral","sentiment_score":-0.15433572977781296,"channel":0,"num_words":2,"start":678.45996,"end":678.86},{"sentences":[{"text":"clogged","start":678.72003,"end":679.04,"sentiment":"neutral","sentiment_score":-0.2654596269130707}],"sentiment":"neutral","sentiment_score":-0.2654596269130707,"channel":1,"num_words":1,"start":678.72003,"end":679.04},{"sentences":[{"text":"lost","start":678.86,"end":679.1,"sentiment":"neutral","sentiment_score":-0.31988468766212463}],"sentiment":"neutral","sentiment_score":-0.31988468766212463,"channel":0,"num_words":1,"start":678.86,"end":679.1},{"sentences":[{"text":"up","start":679.04,"end":679.2,"sentiment":"negative","sentiment_score":-0.33732661604881287}],"sentiment":"negative","sentiment_score":-0.33732661604881287,"channel":1,"num_words":1,"start":679.04,"end":679.2},{"sentences":[{"text":"in","start":679.1,"end":679.26,"sentiment":"neutral","sentiment_score":-0.2611042559146881}],"sentiment":"neutral","sentiment_score":-0.2611042559146881,"channel":0,"num_words":1,"start":679.1,"end":679.26},{"sentences":[{"text":"in","start":679.2,"end":679.36,"sentiment":"neutral","sentiment_score":-0.260200560092926}],"sentiment":"neutral","sentiment_score":-0.260200560092926,"channel":1,"num_words":1,"start":679.2,"end":679.36},{"sentences":[{"text":"the","start":679.26,"end":679.42,"sentiment":"neutral","sentiment_score":-0.24074837565422055}],"sentiment":"neutral","sentiment_score":-0.24074837565422055,"channel":0,"num_words":1,"start":679.26,"end":679.42},{"sentences":[{"text":"my","start":679.36,"end":679.6,"sentiment":"neutral","sentiment_score":-0.17499136924743652}],"sentiment":"neutral","sentiment_score":-0.17499136924743652,"channel":1,"num_words":1,"start":679.36,"end":679.6},{"sentences":[{"text":"day to","start":679.42,"end":679.74,"sentiment":"neutral","sentiment_score":-0.18343812972307205}],"sentiment":"neutral","sentiment_score":-0.18343812972307205,"channel":0,"num_words":2,"start":679.42,"end":679.74},{"sentences":[{"text":"emails","start":679.6,"end":680.0,"sentiment":"neutral","sentiment_score":-0.16422218084335327}],"sentiment":"neutral","sentiment_score":-0.16422218084335327,"channel":1,"num_words":1,"start":679.6,"end":680.0},{"sentences":[{"text":"day.","start":679.74,"end":680.24,"sentiment":"neutral","sentiment_score":-0.176395446062088}],"sentiment":"neutral","sentiment_score":-0.176395446062088,"channel":0,"num_words":1,"start":679.74,"end":680.24},{"sentences":[{"text":"and it gets lost.","start":680.0,"end":680.96,"sentiment":"neutral","sentiment_score":-0.16272768937051296}],"sentiment":"neutral","sentiment_score":-0.16272768937051296,"channel":1,"num_words":4,"start":680.0,"end":680.96},{"sentences":[{"text":"Yeah.","start":680.7,"end":681.2,"sentiment":"neutral","sentiment_score":0.021992135792970657}],"sentiment":"neutral","sentiment_score":0.021992135792970657,"channel":0,"num_words":1,"start":680.7,"end":681.2},{"sentences":[{"text":"Yeah.","start":680.96,"end":681.46,"sentiment":"neutral","sentiment_score":0.04116010665893555}],"sentiment":"neutral","sentiment_score":0.04116010665893555,"channel":1,"num_words":1,"start":680.96,"end":681.46},{"sentences":[{"text":"And with those forms too, do you want me to add your partner's details on the forms for you, like, refilled it, or are you happy to add those in?","start":682.3,"end":691.105,"sentiment":"neutral","sentiment_score":0.09121493312219779}],"sentiment":"neutral","sentiment_score":0.09121493312219779,"channel":0,"num_words":30,"start":682.3,"end":691.105},{"sentences":[{"text":"I can just add those in when it comes.","start":691.34503,"end":693.36505,"sentiment":"neutral","sentiment_score":0.14798165361086527},{"text":"That's fine.","start":693.42505,"end":694.16504,"sentiment":"neutral","sentiment_score":0.3277732580900192}],"sentiment":"neutral","sentiment_score":0.18067103624343872,"channel":1,"num_words":11,"start":691.34503,"end":694.16504},{"sentences":[{"text":"Perfect.","start":694.285,"end":694.685,"sentiment":"neutral","sentiment_score":0.08538855612277985},{"text":"We'll always send you, like, a bit of an instruction cover letter anyway just to make sure you get people to witness it and that kind of thing.","start":694.685,"end":700.945,"sentiment":"neutral","sentiment_score":0.07196299053196396},{"text":"But","start":701.11,"end":701.35004,"sentiment":"neutral","sentiment_score":0.07061856240034103}],"sentiment":"neutral","sentiment_score":0.07236569511393706,"channel":0,"num_words":30,"start":694.285,"end":701.35004},{"sentences":[{"text":"Yep.","start":701.265,"end":701.55,"sentiment":"neutral","sentiment_score":0.06290008872747421}],"sentiment":"neutral","sentiment_score":0.06290008872747421,"channel":1,"num_words":1,"start":701.265,"end":701.55},{"sentences":[{"text":"if you have any questions, just call the team, and they can walk you through it in two seconds","start":701.35004,"end":705.11,"sentiment":"neutral","sentiment_score":0.09583699115012821}],"sentiment":"neutral","sentiment_score":0.09583699115012821,"channel":0,"num_words":19,"start":701.35004,"end":705.11},{"sentences":[{"text":"Yep.","start":704.67,"end":705.17,"sentiment":"neutral","sentiment_score":0.05846214294433594}],"sentiment":"neutral","sentiment_score":0.05846214294433594,"channel":1,"num_words":1,"start":704.67,"end":705.17},{"sentences":[{"text":"flat.","start":705.11,"end":705.61,"sentiment":"neutral","sentiment_score":0.07085281610488892}],"sentiment":"neutral","sentiment_score":0.07085281610488892,"channel":0,"num_words":1,"start":705.11,"end":705.61},{"sentences":[{"text":"Yep.","start":706.58997,"end":707.08997,"sentiment":"neutral","sentiment_score":0.11804883182048798},{"text":"No problem.","start":707.14996,"end":707.89,"sentiment":"positive","sentiment_score":0.3910423666238785}],"sentiment":"neutral","sentiment_score":0.300044521689415,"channel":1,"num_words":3,"start":706.58997,"end":707.89},{"sentences":[{"text":"Perfect.","start":707.67,"end":708.17,"sentiment":"positive","sentiment_score":0.6315436363220215},{"text":"Now just swinging over to the super there for that update.","start":708.31,"end":711.67,"sentiment":"neutral","sentiment_score":0.2576240314678712},{"text":"Have you been logging in to Hub to have a look every now and then or just waiting for the reviews?","start":711.67,"end":715.93,"sentiment":"neutral","sentiment_score":0.07495361903593653}],"sentiment":"neutral","sentiment_score":0.15271012067343248,"channel":0,"num_words":33,"start":707.67,"end":715.93},{"sentences":[{"text":"I'm just waiting for the reviews at the moment.","start":716.61505,"end":718.955,"sentiment":"neutral","sentiment_score":0.03851720131933689}],"sentiment":"neutral","sentiment_score":0.03851720131933689,"channel":1,"num_words":9,"start":716.61505,"end":718.955},{"sentences":[{"text":"Yep.","start":718.535,"end":719.035,"sentiment":"neutral","sentiment_score":0.05732690542936325},{"text":"Now there's a few changes that have happened.","start":719.495,"end":721.33496,"sentiment":"neutral","sentiment_score":0.03663719166070223},{"text":"So I wanna just kind of paint the picture a little bit because the market's obviously been going a bit crazy since the","start":721.33496,"end":727.65497,"sentiment":"neutral","sentiment_score":0.033907759124818054}],"sentiment":"neutral","sentiment_score":0.035321965580806136,"channel":0,"num_words":32,"start":718.535,"end":727.65497},{"sentences":[{"text":"Yep.","start":727.575,"end":727.89,"sentiment":"neutral","sentiment_score":0.0021995529532432556}],"sentiment":"neutral","sentiment_score":0.0021995529532432556,"channel":1,"num_words":1,"start":727.575,"end":727.89},{"sentences":[{"text":"war broke out and everything, but you had","start":727.65497,"end":730.055,"sentiment":"neutral","sentiment_score":0.013784458162263036}],"sentiment":"neutral","sentiment_score":0.013784458162263036,"channel":0,"num_words":8,"start":727.65497,"end":730.055},{"sentences":[{"text":"Yep.","start":729.89,"end":730.39,"sentiment":"neutral","sentiment_score":0.04108838737010956}],"sentiment":"neutral","sentiment_score":0.04108838737010956,"channel":1,"num_words":1,"start":729.89,"end":730.39},{"sentences":[{"text":"some changes where Dana switched you from Netwealth to Hub, got you a bit of an updated portfolio.","start":730.055,"end":735.63,"sentiment":"neutral","sentiment_score":0.10095049420164691},{"text":"Does that ring a bell?","start":735.63,"end":736.76996,"sentiment":"neutral","sentiment_score":0.0886159859597683}],"sentiment":"neutral","sentiment_score":0.0982690793664559,"channel":0,"num_words":23,"start":730.055,"end":736.76996},{"sentences":[{"text":"Mhmm.","start":737.25,"end":737.75,"sentiment":"neutral","sentiment_score":0.04116307199001312},{"text":"Yeah.","start":737.97003,"end":738.47003,"sentiment":"neutral","sentiment_score":0.0840727835893631},{"text":"Yep.","start":738.53,"end":739.03,"sentiment":"neutral","sentiment_score":0.10394187271595}],"sentiment":"neutral","sentiment_score":0.07639257609844208,"channel":1,"num_words":3,"start":737.25,"end":739.03},{"sentences":[{"text":"Yep.","start":739.38995,"end":739.79,"sentiment":"neutral","sentiment_score":0.16996333003044128},{"text":"So the change from Netwealth to Hub, that's definitely been a good move for you.","start":739.79,"end":743.14996,"sentiment":"positive","sentiment_score":0.5266342898209889},{"text":"The fees have been a lot lower in terms of the","start":743.14996,"end":745.45496,"sentiment":"positive","sentiment_score":0.3699790727008473}],"sentiment":"positive","sentiment_score":0.44960175840942945,"channel":0,"num_words":27,"start":739.38995,"end":745.45496},{"sentences":[{"text":"Mhmm.","start":745.215,"end":745.715,"sentiment":"neutral","sentiment_score":0.25387775897979736}],"sentiment":"neutral","sentiment_score":0.25387775897979736,"channel":1,"num_words":1,"start":745.215,"end":745.715},{"sentences":[{"text":"admin fees and the investment fees.","start":745.45496,"end":747.055,"sentiment":"neutral","sentiment_score":0.27401454995075863},{"text":"That's really good.","start":747.055,"end":747.95496,"sentiment":"positive","sentiment_score":0.6466887990633646},{"text":"And when I was looking at the portfolio that you were in, given everything that's happened in the market, it would have been a bit negative had you","start":748.255,"end":756.815,"sentiment":"neutral","sentiment_score":-0.09999827428587846}],"sentiment":"neutral","sentiment_score":0.021194649105136458,"channel":0,"num_words":37,"start":745.45496,"end":756.815},{"sentences":[{"text":"Alright.","start":756.7,"end":757.2,"sentiment":"neutral","sentiment_score":-0.0284122284501791}],"sentiment":"neutral","sentiment_score":-0.0284122284501791,"channel":1,"num_words":1,"start":756.7,"end":757.2},{"sentences":[{"text":"stayed in it.","start":756.815,"end":757.65,"sentiment":"neutral","sentiment_score":-0.028510617092251778},{"text":"But the one","start":757.73004,"end":758.05005,"sentiment":"neutral","sentiment_score":0.034233976155519485}],"sentiment":"neutral","sentiment_score":0.002861679531633854,"channel":0,"num_words":6,"start":756.815,"end":758.05005},{"sentences":[{"text":"Mhmm.","start":757.98,"end":758.48,"sentiment":"neutral","sentiment_score":0.07912860810756683}],"sentiment":"neutral","sentiment_score":0.07912860810756683,"channel":1,"num_words":1,"start":757.98,"end":758.48},{"sentences":[{"text":"that she's put you in, it's kind of bounced up into the positive for the year.","start":758.05005,"end":762.31,"sentiment":"neutral","sentiment_score":0.14718321384862065}],"sentiment":"neutral","sentiment_score":0.14718321384862065,"channel":0,"num_words":16,"start":758.05005,"end":762.31},{"sentences":[{"text":"Oh, good.","start":761.82,"end":762.56,"sentiment":"positive","sentiment_score":0.36867856979370117}],"sentiment":"positive","sentiment_score":0.36867856979370117,"channel":1,"num_words":2,"start":761.82,"end":762.56},{"sentences":[{"text":"That's six or 7% in growth on top of your contributions.","start":762.37,"end":765.91003,"sentiment":"positive","sentiment_score":0.352084837176583}],"sentiment":"positive","sentiment_score":0.352084837176583,"channel":0,"num_words":11,"start":762.37,"end":765.91003},{"sentences":[{"text":"Excellent.","start":766.77997,"end":767.27997,"sentiment":"positive","sentiment_score":0.3930317163467407}],"sentiment":"positive","sentiment_score":0.3930317163467407,"channel":1,"num_words":1,"start":766.77997,"end":767.27997},{"sentences":[{"text":"Now that's a tiny bit below the benchmark that we want long term because, obviously,","start":768.21,"end":773.185,"sentiment":"neutral","sentiment_score":-0.1851603388786316}],"sentiment":"neutral","sentiment_score":-0.1851603388786316,"channel":0,"num_words":15,"start":768.21,"end":773.185},{"sentences":[{"text":"Yes.","start":773.145,"end":773.645,"sentiment":"neutral","sentiment_score":-0.1098194420337677}],"sentiment":"neutral","sentiment_score":-0.1098194420337677,"channel":1,"num_words":1,"start":773.145,"end":773.645},{"sentences":[{"text":"every seven years, the market grows and then it crashes because of the world events.","start":773.485,"end":777.90497,"sentiment":"neutral","sentiment_score":-0.24508410990238189},{"text":"We don't wanna be under 10% for more than maybe one or two years","start":778.205,"end":782.625,"sentiment":"neutral","sentiment_score":-0.16811527418238775}],"sentiment":"neutral","sentiment_score":-0.20792674093410887,"channel":0,"num_words":29,"start":773.485,"end":782.625},{"sentences":[{"text":"Yep.","start":783.305,"end":783.805,"sentiment":"neutral","sentiment_score":-0.08936222642660141}],"sentiment":"neutral","sentiment_score":-0.08936222642660141,"channel":1,"num_words":1,"start":783.305,"end":783.805},{"sentences":[{"text":"per seven.","start":783.31,"end":783.88995,"sentiment":"neutral","sentiment_score":-0.08095712587237358},{"text":"Does that make sense?","start":783.94995,"end":785.08997,"sentiment":"neutral","sentiment_score":-0.055213017389178276},{"text":"So one of the things that she did was she reduced your allocation to a fund called Benelon,","start":786.50995,"end":791.41,"sentiment":"neutral","sentiment_score":-0.06799453455540869}],"sentiment":"neutral","sentiment_score":-0.0669444976374507,"channel":0,"num_words":24,"start":783.31,"end":791.41},{"sentences":[{"text":"Yep.","start":791.15,"end":791.65,"sentiment":"neutral","sentiment_score":-0.03703667223453522}],"sentiment":"neutral","sentiment_score":-0.03703667223453522,"channel":1,"num_words":1,"start":791.15,"end":791.65},{"sentences":[{"text":"which","start":791.79,"end":792.11,"sentiment":"neutral","sentiment_score":-0.04198412969708443}],"sentiment":"neutral","sentiment_score":-0.04198412969708443,"channel":0,"num_words":1,"start":791.79,"end":792.11},{"sentences":[{"text":"Right.","start":792.02997,"end":792.52997,"sentiment":"neutral","sentiment_score":-0.04430598020553589}],"sentiment":"neutral","sentiment_score":-0.04430598020553589,"channel":1,"num_words":1,"start":792.02997,"end":792.52997},{"sentences":[{"text":"that's been the only one that's been negatively performing.","start":792.11,"end":794.58997,"sentiment":"negative","sentiment_score":-0.4203559094005161},{"text":"The rest of them have all been pretty well in the double digits.","start":794.58997,"end":797.625,"sentiment":"neutral","sentiment_score":0.05573103519586416},{"text":"Very, very strong growth across","start":797.765,"end":799.945,"sentiment":"positive","sentiment_score":0.48720414042472837}],"sentiment":"neutral","sentiment_score":-0.023062186108695135,"channel":0,"num_words":27,"start":792.11,"end":799.945},{"sentences":[{"text":"Yep.","start":799.52496,"end":800.02496,"sentiment":"positive","sentiment_score":0.4793958365917206}],"sentiment":"positive","sentiment_score":0.4793958365917206,"channel":1,"num_words":1,"start":799.52496,"end":800.02496},{"sentences":[{"text":"all other seven options.","start":800.005,"end":801.305,"sentiment":"neutral","sentiment_score":0.23991694673895836}],"sentiment":"neutral","sentiment_score":0.23991694673895836,"channel":0,"num_words":4,"start":800.005,"end":801.305},{"sentences":[{"text":"Mhmm.","start":802.08496,"end":802.58496,"sentiment":"neutral","sentiment_score":0.00894597265869379}],"sentiment":"neutral","sentiment_score":0.00894597265869379,"channel":1,"num_words":1,"start":802.08496,"end":802.58496},{"sentences":[{"text":"But that been a long one, that one's been dragging its feet a little bit.","start":803.205,"end":806.085,"sentiment":"neutral","sentiment_score":-0.2659911577900251},{"text":"You used to have 30% in there.","start":806.085,"end":807.84503,"sentiment":"neutral","sentiment_score":-0.10162671229669026},{"text":"Now you've got 10, which is really","start":807.84503,"end":809.365,"sentiment":"neutral","sentiment_score":-0.0058233735284635}],"sentiment":"neutral","sentiment_score":-0.1635178609526363,"channel":0,"num_words":29,"start":803.205,"end":809.365},{"sentences":[{"text":"Right.","start":809.285,"end":809.785,"sentiment":"neutral","sentiment_score":0.14896026253700256}],"sentiment":"neutral","sentiment_score":0.14896026253700256,"channel":1,"num_words":1,"start":809.285,"end":809.785},{"sentences":[{"text":"good because","start":809.365,"end":810.36,"sentiment":"neutral","sentiment_score":0.3205753117799759}],"sentiment":"neutral","sentiment_score":0.3205753117799759,"channel":0,"num_words":2,"start":809.365,"end":810.36},{"sentences":[{"text":"Yep.","start":810.165,"end":810.665,"sentiment":"positive","sentiment_score":0.3398938775062561}],"sentiment":"positive","sentiment_score":0.3398938775062561,"channel":1,"num_words":1,"start":810.165,"end":810.665},{"sentences":[{"text":"your other option that you put in has actually grown twice as much.","start":810.36,"end":814.14,"sentiment":"neutral","sentiment_score":0.27068807872442097}],"sentiment":"neutral","sentiment_score":0.27068807872442097,"channel":0,"num_words":13,"start":810.36,"end":814.14},{"sentences":[{"text":"Well, that's great.","start":814.8,"end":815.7,"sentiment":"positive","sentiment_score":0.4291974703470866}],"sentiment":"positive","sentiment_score":0.4291974703470866,"channel":1,"num_words":3,"start":814.8,"end":815.7},{"sentences":[{"text":"Okay?","start":815.88,"end":816.38,"sentiment":"neutral","sentiment_score":0.19510409235954285},{"text":"I'm gonna put a flag on that one, though, because if that doesn't pick up its feet by the end of the year, I probably would like to switch it out for","start":816.44,"end":824.26495,"sentiment":"neutral","sentiment_score":-0.12050567637197673}],"sentiment":"neutral","sentiment_score":-0.11094174398617311,"channel":0,"num_words":33,"start":815.88,"end":824.26495},{"sentences":[{"text":"Mhmm.","start":823.92,"end":824.42,"sentiment":"neutral","sentiment_score":-0.03209783881902695}],"sentiment":"neutral","sentiment_score":-0.03209783881902695,"channel":1,"num_words":1,"start":823.92,"end":824.42},{"sentences":[{"text":"a different option potentially.","start":824.26495,"end":825.64496,"sentiment":"neutral","sentiment_score":-0.04842636035755277}],"sentiment":"neutral","sentiment_score":-0.04842636035755277,"channel":0,"num_words":4,"start":824.26495,"end":825.64496},{"sentences":[{"text":"Yep.","start":826.32,"end":826.82,"sentiment":"neutral","sentiment_score":0.02505448088049889}],"sentiment":"neutral","sentiment_score":0.02505448088049889,"channel":1,"num_words":1,"start":826.32,"end":826.82},{"sentences":[{"text":"Okay?","start":827.46497,"end":827.96497,"sentiment":"neutral","sentiment_score":0.01189316064119339},{"text":"At this point, though, what I really wanted to check with you, Barb, is you're trying to grow your super to fund for both of you guys,","start":828.665,"end":834.605,"sentiment":"neutral","sentiment_score":-0.003587021837355914}],"sentiment":"neutral","sentiment_score":-0.0030341581774077247,"channel":0,"num_words":28,"start":827.46497,"end":834.605},{"sentences":[{"text":"Mhmm.","start":835.135,"end":835.635,"sentiment":"neutral","sentiment_score":-0.015754971653223038}],"sentiment":"neutral","sentiment_score":-0.015754971653223038,"channel":1,"num_words":1,"start":835.135,"end":835.635},{"sentences":[{"text":"but your preservation age is in nine years.","start":835.385,"end":837.96497,"sentiment":"neutral","sentiment_score":-0.059966924134641886}],"sentiment":"neutral","sentiment_score":-0.059966924134641886,"channel":0,"num_words":8,"start":835.385,"end":837.96497},{"sentences":[{"text":"Mhmm.","start":838.415,"end":838.915,"sentiment":"neutral","sentiment_score":-0.024917252361774445}],"sentiment":"neutral","sentiment_score":-0.024917252361774445,"channel":1,"num_words":1,"start":838.415,"end":838.915},{"sentences":[{"text":"And, normally, high growth, you wanna have about nine to ten years under your belt because of those market movements.","start":838.54004,"end":844.72003,"sentiment":"neutral","sentiment_score":-0.07437969651073217},{"text":"You don't wanna be a day from retirement in high risk, and then you lose half your super.","start":844.78,"end":849.42004,"sentiment":"neutral","sentiment_score":-0.19726049113604757},{"text":"Do you know what I","start":849.42004,"end":850.155,"sentiment":"neutral","sentiment_score":-0.033550412952899934}],"sentiment":"neutral","sentiment_score":-0.12107057756809302,"channel":0,"num_words":43,"start":838.54004,"end":850.155},{"sentences":[{"text":"Yeah.","start":850.45,"end":850.85,"sentiment":"neutral","sentiment_score":-0.012492399662733078},{"text":"Yeah.","start":850.85,"end":851.35,"sentiment":"neutral","sentiment_score":-0.010120375081896782}],"sentiment":"neutral","sentiment_score":-0.01130638737231493,"channel":1,"num_words":2,"start":850.45,"end":851.35},{"sentences":[{"text":"So what I wanted to check with you is because we're still focused so much on growth right now, are you okay","start":852.395,"end":857.35504,"sentiment":"neutral","sentiment_score":-0.010672575286166235}],"sentiment":"neutral","sentiment_score":-0.010672575286166235,"channel":0,"num_words":22,"start":852.395,"end":857.35504},{"sentences":[{"text":"Mhmm.","start":857.005,"end":857.505,"sentiment":"neutral","sentiment_score":-0.0073249442502856255}],"sentiment":"neutral","sentiment_score":-0.0073249442502856255,"channel":1,"num_words":1,"start":857.005,"end":857.505},{"sentences":[{"text":"with that roller coaster ride for it to be going up and down so much to get that growth and then protect it later, or should we be talking about reducing the risk a little bit?","start":857.35504,"end":867.57,"sentiment":"neutral","sentiment_score":-0.08626213773257202}],"sentiment":"neutral","sentiment_score":-0.08626213773257202,"channel":0,"num_words":36,"start":857.35504,"end":867.57},{"sentences":[{"text":"Well, yeah.","start":870.87,"end":871.35,"sentiment":"neutral","sentiment_score":-0.03271775133907795},{"text":"I wanna get as much as I can, but I don't wanna lose it either.","start":871.35,"end":874.55,"sentiment":"neutral","sentiment_score":-0.015501244241992633},{"text":"So","start":874.55,"end":874.70996,"sentiment":"neutral","sentiment_score":-0.005911692976951599}],"sentiment":"neutral","sentiment_score":-0.016881436626944277,"channel":1,"num_words":18,"start":870.87,"end":874.70996},{"sentences":[{"text":"So the way that usually plays out is, let's say, in the next nine years, you're expecting seven years where the market grows, two years where the market goes down.","start":876.215,"end":885.995,"sentiment":"neutral","sentiment_score":-0.006334618975718816},{"text":"If that happens this year, next year, that's actually kind of a good thing because we can use it as a buying opportunity to kind of buy into all of the shares and property gold when they go down.","start":887.175,"end":897.21,"sentiment":"neutral","sentiment_score":0.14569974466203114},{"text":"We don't","start":897.43005,"end":897.83,"sentiment":"neutral","sentiment_score":-0.06303351931273937}],"sentiment":"neutral","sentiment_score":0.07558006244960805,"channel":0,"num_words":71,"start":876.215,"end":897.83},{"sentences":[{"text":"Yep.","start":897.775,"end":898.275,"sentiment":"neutral","sentiment_score":-0.042538031935691833}],"sentiment":"neutral","sentiment_score":-0.042538031935691833,"channel":1,"num_words":1,"start":897.775,"end":898.275},{"sentences":[{"text":"want that to happen when you're three years from retirement.","start":897.83,"end":900.65,"sentiment":"neutral","sentiment_score":0.12642790600657464}],"sentiment":"neutral","sentiment_score":0.12642790600657464,"channel":0,"num_words":10,"start":897.83,"end":900.65},{"sentences":[{"text":"Yeah.","start":901.17004,"end":901.67004,"sentiment":"neutral","sentiment_score":0.2076653689146042},{"text":"So it's probably better to keep as is for just the moment.","start":902.13,"end":905.59,"sentiment":"neutral","sentiment_score":0.20167869329452515}],"sentiment":"neutral","sentiment_score":0.202139206803762,"channel":1,"num_words":13,"start":901.17004,"end":905.59},{"sentences":[{"text":"So, yeah, it's gonna be a little bit of, like, a hold on to your harness in the roller coaster because what we're","start":905.83496,"end":910.875,"sentiment":"neutral","sentiment_score":0.15993264771026114}],"sentiment":"neutral","sentiment_score":0.15993264771026114,"channel":0,"num_words":23,"start":905.83496,"end":910.875},{"sentences":[{"text":"Yeah.","start":910.69,"end":911.19,"sentiment":"neutral","sentiment_score":0.11022093892097472}],"sentiment":"neutral","sentiment_score":0.11022093892097472,"channel":1,"num_words":1,"start":910.69,"end":911.19},{"sentences":[{"text":"basically doing is we need to get you enough growth to fund the retirement.","start":910.875,"end":915.615,"sentiment":"neutral","sentiment_score":0.15040158427187375}],"sentiment":"neutral","sentiment_score":0.15040158427187375,"channel":0,"num_words":14,"start":910.875,"end":915.615},{"sentences":[{"text":"Yes.","start":916.265,"end":916.765,"sentiment":"neutral","sentiment_score":0.19810856878757477}],"sentiment":"neutral","sentiment_score":0.19810856878757477,"channel":1,"num_words":1,"start":916.265,"end":916.765},{"sentences":[{"text":"But then what we normally do is in those last seven years, we slowly reduce your risk level down, like,","start":916.7,"end":922.86005,"sentiment":"neutral","sentiment_score":0.157142099365592}],"sentiment":"neutral","sentiment_score":0.157142099365592,"channel":0,"num_words":20,"start":916.7,"end":922.86005},{"sentences":[{"text":"Yes.","start":922.825,"end":923.325,"sentiment":"neutral","sentiment_score":0.15422898530960083}],"sentiment":"neutral","sentiment_score":0.15422898530960083,"channel":1,"num_words":1,"start":922.825,"end":923.325},{"sentences":[{"text":"once every three years.","start":922.86005,"end":924.16003,"sentiment":"neutral","sentiment_score":0.17136751115322113},{"text":"So instead of 90% shares in property, we go eighty, seventy, sixty, fifty, forty, and just kinda gradually step you down in the lead up, if that makes sense.","start":924.22003,"end":934.175,"sentiment":"neutral","sentiment_score":0.2169648069759895},{"text":"So what we're gonna be doing every year is we're gonna do pretty close review","start":935.595,"end":939.695,"sentiment":"neutral","sentiment_score":0.22334956824779512}],"sentiment":"neutral","sentiment_score":0.2151602702215314,"channel":0,"num_words":48,"start":922.86005,"end":939.695},{"sentences":[{"text":"Yep.","start":939.87,"end":940.37,"sentiment":"neutral","sentiment_score":0.14565898478031158}],"sentiment":"neutral","sentiment_score":0.14565898478031158,"channel":1,"num_words":1,"start":939.87,"end":940.37},{"sentences":[{"text":"where if you've","start":939.915,"end":940.555,"sentiment":"neutral","sentiment_score":0.10625238468249638}],"sentiment":"neutral","sentiment_score":0.10625238468249638,"channel":0,"num_words":3,"start":939.915,"end":940.555},{"sentences":[{"text":"Mhmm.","start":940.43,"end":940.93,"sentiment":"neutral","sentiment_score":0.0796893835067749}],"sentiment":"neutral","sentiment_score":0.0796893835067749,"channel":1,"num_words":1,"start":940.43,"end":940.93},{"sentences":[{"text":"gotten a really strong year, then we might reduce your risk level down.","start":940.555,"end":944.98004,"sentiment":"neutral","sentiment_score":0.1731132068313085},{"text":"If it's dropped a little bit, we're gonna wait for the growth to occur.","start":945.04004,"end":948.10004,"sentiment":"neutral","sentiment_score":-0.0034375451505184174}],"sentiment":"neutral","sentiment_score":0.08156837247036121,"channel":0,"num_words":27,"start":940.555,"end":948.10004},{"sentences":[{"text":"Yep.","start":948.385,"end":948.885,"sentiment":"neutral","sentiment_score":0.11665632575750352},{"text":"Because","start":949.425,"end":949.745,"sentiment":"neutral","sentiment_score":0.06562285125255585}],"sentiment":"neutral","sentiment_score":0.09113958850502968,"channel":1,"num_words":2,"start":948.385,"end":949.745},{"sentences":[{"text":"Is","start":949.60004,"end":949.76,"sentiment":"neutral","sentiment_score":0.0872914046049118}],"sentiment":"neutral","sentiment_score":0.0872914046049118,"channel":0,"num_words":1,"start":949.60004,"end":949.76},{"sentences":[{"text":"I","start":949.745,"end":949.905,"sentiment":"neutral","sentiment_score":0.07969950139522552}],"sentiment":"neutral","sentiment_score":0.07969950139522552,"channel":1,"num_words":1,"start":949.745,"end":949.905},{"sentences":[{"text":"that","start":949.76,"end":949.92,"sentiment":"neutral","sentiment_score":0.12194450199604034}],"sentiment":"neutral","sentiment_score":0.12194450199604034,"channel":0,"num_words":1,"start":949.76,"end":949.92},{"sentences":[{"text":"may","start":949.905,"end":950.145,"sentiment":"neutral","sentiment_score":0.09754455089569092}],"sentiment":"neutral","sentiment_score":0.09754455089569092,"channel":1,"num_words":1,"start":949.905,"end":950.145},{"sentences":[{"text":"okay","start":949.92,"end":950.24,"sentiment":"neutral","sentiment_score":0.09995067864656448}],"sentiment":"neutral","sentiment_score":0.09995067864656448,"channel":0,"num_words":1,"start":949.92,"end":950.24},{"sentences":[{"text":"even","start":950.145,"end":950.465,"sentiment":"neutral","sentiment_score":0.0977892130613327}],"sentiment":"neutral","sentiment_score":0.0977892130613327,"channel":1,"num_words":1,"start":950.145,"end":950.465},{"sentences":[{"text":"for","start":950.24,"end":950.48004,"sentiment":"neutral","sentiment_score":0.04443544149398804}],"sentiment":"neutral","sentiment_score":0.04443544149398804,"channel":0,"num_words":1,"start":950.24,"end":950.48004},{"sentences":[{"text":"work","start":950.465,"end":950.705,"sentiment":"neutral","sentiment_score":0.04909852147102356}],"sentiment":"neutral","sentiment_score":0.04909852147102356,"channel":1,"num_words":1,"start":950.465,"end":950.705},{"sentences":[{"text":"you?","start":950.48004,"end":950.98004,"sentiment":"neutral","sentiment_score":0.03049321845173836}],"sentiment":"neutral","sentiment_score":0.03049321845173836,"channel":0,"num_words":1,"start":950.48004,"end":950.98004},{"sentences":[{"text":"beyond 60 yet.","start":950.705,"end":951.905,"sentiment":"neutral","sentiment_score":-0.06339244171977043},{"text":"I don't know.","start":951.905,"end":952.72504,"sentiment":"neutral","sentiment_score":-0.11662030220031738},{"text":"So","start":953.10504,"end":953.52,"sentiment":"neutral","sentiment_score":-0.08403869718313217}],"sentiment":"neutral","sentiment_score":-0.08915384699191366,"channel":1,"num_words":7,"start":950.705,"end":953.52},{"sentences":[{"text":"That's what I'm thinking because we don't wanna just call it quits too early because","start":953.2,"end":957.655,"sentiment":"neutral","sentiment_score":-0.18943977902332942}],"sentiment":"neutral","sentiment_score":-0.18943977902332942,"channel":0,"num_words":15,"start":953.2,"end":957.655},{"sentences":[{"text":"yeah.","start":957.44,"end":957.60004,"sentiment":"neutral","sentiment_score":-0.12395453453063963},{"text":"No.","start":957.60004,"end":958.10004,"sentiment":"neutral","sentiment_score":-0.09001205116510391}],"sentiment":"neutral","sentiment_score":-0.10698329284787178,"channel":1,"num_words":2,"start":957.44,"end":958.10004},{"sentences":[{"text":"this is where you make","start":957.655,"end":958.615,"sentiment":"neutral","sentiment_score":-0.03524198234081268}],"sentiment":"neutral","sentiment_score":-0.03524198234081268,"channel":0,"num_words":5,"start":957.655,"end":958.615},{"sentences":[{"text":"More","start":958.56,"end":958.88,"sentiment":"neutral","sentiment_score":-0.06099875271320343}],"sentiment":"neutral","sentiment_score":-0.06099875271320343,"channel":1,"num_words":1,"start":958.56,"end":958.88},{"sentences":[{"text":"that last","start":958.615,"end":959.175,"sentiment":"neutral","sentiment_score":-0.03708663955330849}],"sentiment":"neutral","sentiment_score":-0.03708663955330849,"channel":0,"num_words":2,"start":958.615,"end":959.175},{"sentences":[{"text":"than likely,","start":958.88,"end":959.52,"sentiment":"neutral","sentiment_score":-0.06453412212431431}],"sentiment":"neutral","sentiment_score":-0.06453412212431431,"channel":1,"num_words":2,"start":958.88,"end":959.52},{"sentences":[{"text":"little bit","start":959.175,"end":959.575,"sentiment":"neutral","sentiment_score":-0.03578599542379379}],"sentiment":"neutral","sentiment_score":-0.03578599542379379,"channel":0,"num_words":2,"start":959.175,"end":959.575},{"sentences":[{"text":"I","start":959.52,"end":959.60004,"sentiment":"neutral","sentiment_score":-0.08497652411460876}],"sentiment":"neutral","sentiment_score":-0.08497652411460876,"channel":1,"num_words":1,"start":959.52,"end":959.60004},{"sentences":[{"text":"of","start":959.575,"end":959.655,"sentiment":"neutral","sentiment_score":-0.06187283247709274}],"sentiment":"neutral","sentiment_score":-0.06187283247709274,"channel":0,"num_words":1,"start":959.575,"end":959.655},{"sentences":[{"text":"will","start":959.60004,"end":959.84,"sentiment":"neutral","sentiment_score":-0.08144832402467728}],"sentiment":"neutral","sentiment_score":-0.08144832402467728,"channel":1,"num_words":1,"start":959.60004,"end":959.84},{"sentences":[{"text":"growth.","start":959.655,"end":960.155,"sentiment":"neutral","sentiment_score":-0.04664324969053269}],"sentiment":"neutral","sentiment_score":-0.04664324969053269,"channel":0,"num_words":1,"start":959.655,"end":960.155},{"sentences":[{"text":"be working beyond 60.","start":959.84,"end":961.30005,"sentiment":"neutral","sentiment_score":-0.025065400637686253}],"sentiment":"neutral","sentiment_score":-0.025065400637686253,"channel":1,"num_words":4,"start":959.84,"end":961.30005},{"sentences":[{"text":"Yeah.","start":962.055,"end":962.295,"sentiment":"neutral","sentiment_score":0.03891277313232422},{"text":"So are you okay","start":962.295,"end":963.335,"sentiment":"neutral","sentiment_score":0.03213123511523008}],"sentiment":"neutral","sentiment_score":0.03348754271864891,"channel":0,"num_words":5,"start":962.055,"end":963.335},{"sentences":[{"text":"Okay.","start":962.96,"end":963.46,"sentiment":"neutral","sentiment_score":0.03703330084681511}],"sentiment":"neutral","sentiment_score":0.03703330084681511,"channel":1,"num_words":1,"start":962.96,"end":963.46},{"sentences":[{"text":"to if we need to go 62 just so we've got the extra couple of years to get","start":963.335,"end":967.975,"sentiment":"neutral","sentiment_score":0.02862451132386923}],"sentiment":"neutral","sentiment_score":0.02862451132386923,"channel":0,"num_words":18,"start":963.335,"end":967.975},{"sentences":[{"text":"Yeah.","start":967.84,"end":968.34,"sentiment":"neutral","sentiment_score":0.03176537901163101}],"sentiment":"neutral","sentiment_score":0.03176537901163101,"channel":1,"num_words":1,"start":967.84,"end":968.34},{"sentences":[{"text":"the growth out of it?","start":967.975,"end":969.03,"sentiment":"neutral","sentiment_score":0.10053588226437568}],"sentiment":"neutral","sentiment_score":0.10053588226437568,"channel":0,"num_words":5,"start":967.975,"end":969.03},{"sentences":[{"text":"Yep.","start":969.255,"end":969.755,"sentiment":"neutral","sentiment_score":0.20238736271858215}],"sentiment":"neutral","sentiment_score":0.20238736271858215,"channel":1,"num_words":1,"start":969.255,"end":969.755},{"sentences":[{"text":"Perfect.","start":970.55005,"end":970.95,"sentiment":"positive","sentiment_score":0.5027345418930054},{"text":"Perfect.","start":970.95,"end":971.45,"sentiment":"positive","sentiment_score":0.46687179803848267}],"sentiment":"positive","sentiment_score":0.484803169965744,"channel":0,"num_words":2,"start":970.55005,"end":971.45},{"sentences":[{"text":"Yep.","start":971.015,"end":971.41504,"sentiment":"neutral","sentiment_score":0.2686828672885895},{"text":"So I'll probably be gonna be working for as long as","start":971.41504,"end":973.495,"sentiment":"neutral","sentiment_score":0.17758883806792172}],"sentiment":"neutral","sentiment_score":0.18518000716964403,"channel":1,"num_words":12,"start":971.015,"end":973.495},{"sentences":[{"text":"So,","start":973.35004,"end":973.85004,"sentiment":"neutral","sentiment_score":0.18462719023227692}],"sentiment":"neutral","sentiment_score":0.18462719023227692,"channel":0,"num_words":1,"start":973.35004,"end":973.85004},{"sentences":[{"text":"I can at this stage","start":973.495,"end":975.59503,"sentiment":"neutral","sentiment_score":0.25568288564682007}],"sentiment":"neutral","sentiment_score":0.25568288564682007,"channel":1,"num_words":5,"start":973.495,"end":975.59503},{"sentences":[{"text":"yeah,","start":976.31006,"end":976.71,"sentiment":"neutral","sentiment_score":0.29202836751937866}],"sentiment":"neutral","sentiment_score":0.29202836751937866,"channel":0,"num_words":1,"start":976.31006,"end":976.71},{"sentences":[{"text":"and","start":976.53503,"end":976.775,"sentiment":"neutral","sentiment_score":0.23956622183322904}],"sentiment":"neutral","sentiment_score":0.23956622183322904,"channel":1,"num_words":1,"start":976.53503,"end":976.775},{"sentences":[{"text":"just","start":976.71,"end":976.95,"sentiment":"neutral","sentiment_score":0.22559736669063568}],"sentiment":"neutral","sentiment_score":0.22559736669063568,"channel":0,"num_words":1,"start":976.71,"end":976.95},{"sentences":[{"text":"just","start":976.775,"end":977.275,"sentiment":"neutral","sentiment_score":0.21611449122428897}],"sentiment":"neutral","sentiment_score":0.21611449122428897,"channel":1,"num_words":1,"start":976.775,"end":977.275},{"sentences":[{"text":"to be able to have the freedom to slow","start":976.95,"end":979.67004,"sentiment":"neutral","sentiment_score":0.2795778463284175}],"sentiment":"neutral","sentiment_score":0.2795778463284175,"channel":0,"num_words":9,"start":976.95,"end":979.67004},{"sentences":[{"text":"yeah.","start":979.655,"end":980.155,"sentiment":"neutral","sentiment_score":0.1320323646068573}],"sentiment":"neutral","sentiment_score":0.1320323646068573,"channel":1,"num_words":1,"start":979.655,"end":980.155},{"sentences":[{"text":"down","start":979.67004,"end":980.17004,"sentiment":"neutral","sentiment_score":0.034885626286268234}],"sentiment":"neutral","sentiment_score":0.034885626286268234,"channel":0,"num_words":1,"start":979.67004,"end":980.17004},{"sentences":[{"text":"Yeah.","start":980.775,"end":981.17505,"sentiment":"neutral","sentiment_score":0.03783233463764191}],"sentiment":"neutral","sentiment_score":0.03783233463764191,"channel":1,"num_words":1,"start":980.775,"end":981.17505},{"sentences":[{"text":"when you've","start":980.87006,"end":981.27,"sentiment":"neutral","sentiment_score":0.015288292896002531}],"sentiment":"neutral","sentiment_score":0.015288292896002531,"channel":0,"num_words":2,"start":980.87006,"end":981.27},{"sentences":[{"text":"If","start":981.17505,"end":981.41504,"sentiment":"neutral","sentiment_score":0.012175887823104858}],"sentiment":"neutral","sentiment_score":0.012175887823104858,"channel":1,"num_words":1,"start":981.17505,"end":981.41504},{"sentences":[{"text":"got","start":981.27,"end":981.51,"sentiment":"neutral","sentiment_score":0.022681504487991333}],"sentiment":"neutral","sentiment_score":0.022681504487991333,"channel":0,"num_words":1,"start":981.27,"end":981.51},{"sentences":[{"text":"I want","start":981.41504,"end":981.815,"sentiment":"neutral","sentiment_score":0.02955140918493271}],"sentiment":"neutral","sentiment_score":0.02955140918493271,"channel":1,"num_words":2,"start":981.41504,"end":981.815},{"sentences":[{"text":"enough","start":981.51,"end":981.91003,"sentiment":"neutral","sentiment_score":0.031117811799049377}],"sentiment":"neutral","sentiment_score":0.031117811799049377,"channel":0,"num_words":1,"start":981.51,"end":981.91003},{"sentences":[{"text":"to.","start":981.815,"end":982.315,"sentiment":"neutral","sentiment_score":0.029345864430069923}],"sentiment":"neutral","sentiment_score":0.029345864430069923,"channel":1,"num_words":1,"start":981.815,"end":982.315},{"sentences":[{"text":"there.","start":981.91003,"end":982.41003,"sentiment":"neutral","sentiment_score":0.059207718819379807}],"sentiment":"neutral","sentiment_score":0.059207718819379807,"channel":0,"num_words":1,"start":981.91003,"end":982.41003},{"sentences":[{"text":"Yeah.","start":982.375,"end":982.875,"sentiment":"neutral","sentiment_score":0.14064808189868927}],"sentiment":"neutral","sentiment_score":0.14064808189868927,"channel":1,"num_words":1,"start":982.375,"end":982.875},{"sentences":[{"text":"Yeah.","start":982.55005,"end":982.95,"sentiment":"neutral","sentiment_score":0.15136229991912842},{"text":"Yep.","start":982.95,"end":983.27,"sentiment":"neutral","sentiment_score":0.17797651886940002},{"text":"I'm with you.","start":983.27,"end":984.17004,"sentiment":"neutral","sentiment_score":0.21223079661528269}],"sentiment":"neutral","sentiment_score":0.1932062417268753,"channel":0,"num_words":5,"start":982.55005,"end":984.17004},{"sentences":[{"text":"When I want to.","start":983.83,"end":984.63,"sentiment":"neutral","sentiment_score":0.13118359819054604},{"text":"Yep.","start":984.63,"end":985.13,"sentiment":"neutral","sentiment_score":0.12833815813064575}],"sentiment":"neutral","sentiment_score":0.13061451017856598,"channel":1,"num_words":5,"start":983.83,"end":985.13},{"sentences":[{"text":"So our main focus at the moment will be just keeping a very close eye on the portfolio.","start":985.475,"end":989.65497,"sentiment":"neutral","sentiment_score":0.20739609913693535},{"text":"And then","start":990.115,"end":990.595,"sentiment":"neutral","sentiment_score":0.10055584460496902}],"sentiment":"neutral","sentiment_score":0.19671207368373872,"channel":0,"num_words":20,"start":985.475,"end":990.595},{"sentences":[{"text":"Yep.","start":990.55,"end":991.05,"sentiment":"neutral","sentiment_score":0.017438750714063644}],"sentiment":"neutral","sentiment_score":0.017438750714063644,"channel":1,"num_words":1,"start":990.55,"end":991.05},{"sentences":[{"text":"every review, just talking to you about when we slowly reduce the risk down, we're gonna","start":990.595,"end":996.035,"sentiment":"neutral","sentiment_score":0.17845353623852134}],"sentiment":"neutral","sentiment_score":0.17845353623852134,"channel":0,"num_words":16,"start":990.595,"end":996.035},{"sentences":[{"text":"Yep.","start":995.91003,"end":996.41003,"sentiment":"neutral","sentiment_score":0.2094210386276245}],"sentiment":"neutral","sentiment_score":0.2094210386276245,"channel":1,"num_words":1,"start":995.91003,"end":996.41003},{"sentences":[{"text":"kind of time it each year with you.","start":996.035,"end":997.89,"sentiment":"neutral","sentiment_score":0.19451707042753696}],"sentiment":"neutral","sentiment_score":0.19451707042753696,"channel":0,"num_words":8,"start":996.035,"end":997.89},{"sentences":[{"text":"Yep.","start":998.36505,"end":998.86505,"sentiment":"neutral","sentiment_score":0.10687671601772308}],"sentiment":"neutral","sentiment_score":0.10687671601772308,"channel":1,"num_words":1,"start":998.36505,"end":998.86505},{"sentences":[{"text":"Okay?","start":999.41003,"end":999.73004,"sentiment":"neutral","sentiment_score":0.0679420679807663},{"text":"So I'm not gonna change super funds now.","start":999.73004,"end":1001.89,"sentiment":"negative","sentiment_score":-0.35578698944300413},{"text":"We're not gonna really I'll put a flag on that option for the end of","start":1001.89,"end":1005.17004,"sentiment":"negative","sentiment_score":-0.33762868444124855}],"sentiment":"neutral","sentiment_score":-0.3267826714242498,"channel":0,"num_words":24,"start":999.41003,"end":1005.17004},{"sentences":[{"text":"Mhmm.","start":1005.16504,"end":1005.66504,"sentiment":"neutral","sentiment_score":-0.25566771626472473}],"sentiment":"neutral","sentiment_score":-0.25566771626472473,"channel":1,"num_words":1,"start":1005.16504,"end":1005.66504},{"sentences":[{"text":"the year,","start":1005.17004,"end":1005.83,"sentiment":"neutral","sentiment_score":-0.12596312165260315}],"sentiment":"neutral","sentiment_score":-0.12596312165260315,"channel":0,"num_words":2,"start":1005.17004,"end":1005.83},{"sentences":[{"text":"Yep.","start":1006.125,"end":1006.625,"sentiment":"neutral","sentiment_score":-0.05723046883940697}],"sentiment":"neutral","sentiment_score":-0.05723046883940697,"channel":1,"num_words":1,"start":1006.125,"end":1006.625},{"sentences":[{"text":"and we'll just kind of keep trying to get that growth out of it.","start":1007.01,"end":1009.905,"sentiment":"neutral","sentiment_score":-0.2529262048857553}],"sentiment":"neutral","sentiment_score":-0.2529262048857553,"channel":0,"num_words":14,"start":1007.01,"end":1009.905},{"sentences":[{"text":"Yes.","start":1010.525,"end":1011.025,"sentiment":"neutral","sentiment_score":0.12208981066942216},{"text":"Yep.","start":1011.245,"end":1011.745,"sentiment":"neutral","sentiment_score":0.14495323598384857}],"sentiment":"neutral","sentiment_score":0.13352152332663536,"channel":1,"num_words":2,"start":1010.525,"end":1011.745},{"sentences":[{"text":"The other thing too is just in terms of fees, you do","start":1012.30505,"end":1015.66504,"sentiment":"neutral","sentiment_score":0.07242572742203872}],"sentiment":"neutral","sentiment_score":0.07242572742203872,"channel":0,"num_words":12,"start":1012.30505,"end":1015.66504},{"sentences":[{"text":"Mhmm.","start":1015.48,"end":1015.98,"sentiment":"neutral","sentiment_score":0.03528086096048355}],"sentiment":"neutral","sentiment_score":0.03528086096048355,"channel":1,"num_words":1,"start":1015.48,"end":1015.98},{"sentences":[{"text":"have the life and TPD insurance coming out of the super as well.","start":1015.66504,"end":1021.025,"sentiment":"neutral","sentiment_score":0.06381450335566814},{"text":"That 250,000 worth of life and disability insurance.","start":1021.025,"end":1025.23,"sentiment":"neutral","sentiment_score":0.04021551739424467},{"text":"Does that ring a bell?","start":1025.23,"end":1026.37,"sentiment":"neutral","sentiment_score":0.037153934687376024}],"sentiment":"neutral","sentiment_score":0.051426244469789356,"channel":0,"num_words":26,"start":1015.66504,"end":1026.37},{"sentences":[{"text":"Yep.","start":1026.6,"end":1027.1,"sentiment":"neutral","sentiment_score":0.07733838260173798}],"sentiment":"neutral","sentiment_score":0.07733838260173798,"channel":1,"num_words":1,"start":1026.6,"end":1027.1},{"sentences":[{"text":"Now this one's not too bad.","start":1027.87,"end":1029.5701,"sentiment":"neutral","sentiment_score":0.06451759487390518},{"text":"Normally, I'd expect it to be a little bit more, but it's sitting at $662.","start":1029.9501,"end":1035.945,"sentiment":"neutral","sentiment_score":-0.022200771421194077},{"text":"Last time I checked it, I think it was 500.","start":1035.945,"end":1038.105,"sentiment":"neutral","sentiment_score":-0.09570015668869018},{"text":"So it hasn't jumped up astronomically.","start":1038.105,"end":1039.885,"sentiment":"neutral","sentiment_score":-0.24760552992423376},{"text":"It hasn't doubled to a thousand dollars or anything like that.","start":1040.345,"end":1043.405,"sentiment":"neutral","sentiment_score":-0.2782927318052812}],"sentiment":"neutral","sentiment_score":-0.11353668329926829,"channel":0,"num_words":48,"start":1027.87,"end":1043.405},{"sentences":[{"text":"Mhmm.","start":1043.485,"end":1043.725,"sentiment":"neutral","sentiment_score":-0.0417315810918808},{"text":"Yeah.","start":1043.725,"end":1044.18,"sentiment":"neutral","sentiment_score":-0.024730313569307327}],"sentiment":"neutral","sentiment_score":-0.03323094733059406,"channel":1,"num_words":2,"start":1043.485,"end":1044.18},{"sentences":[{"text":"But I do just wanna check it with you because, obviously, that will chop off half of the mortgage.","start":1044.585,"end":1049.005,"sentiment":"neutral","sentiment_score":-0.17028201783173963},{"text":"Is that too little in terms of insurance?","start":1049.59,"end":1052.3099,"sentiment":"neutral","sentiment_score":-0.2624528706073761},{"text":"Is that too much?","start":1052.3099,"end":1053.19,"sentiment":"neutral","sentiment_score":-0.22996075823903084},{"text":"Are you do you still value them?","start":1053.19,"end":1054.97,"sentiment":"neutral","sentiment_score":-0.1376922886286463}],"sentiment":"neutral","sentiment_score":-0.1899650093952292,"channel":0,"num_words":38,"start":1044.585,"end":1054.97},{"sentences":[{"text":"Well, when it comes to the life insurance type thing, I can't we've looked at changing that before, but because I have rheumatoid arthritis, it's it's not gonna I'm not gonna be able to change it.","start":1056.02,"end":1070.005,"sentiment":"neutral","sentiment_score":-0.3255540757543511}],"sentiment":"neutral","sentiment_score":-0.3255540757543511,"channel":1,"num_words":36,"start":1056.02,"end":1070.005},{"sentences":[{"text":"Yeah.","start":1071.765,"end":1072.085,"sentiment":"neutral","sentiment_score":-0.1544365435838699},{"text":"There's no point, like, trying to change providers if they can't give you that replacement cover, so","start":1072.085,"end":1077.18,"sentiment":"neutral","sentiment_score":-0.3048013457480599}],"sentiment":"neutral","sentiment_score":-0.2964477456278271,"channel":0,"num_words":18,"start":1071.765,"end":1077.18},{"sentences":[{"text":"No.","start":1077.1,"end":1077.5,"sentiment":"neutral","sentiment_score":-0.27410709857940674}],"sentiment":"neutral","sentiment_score":-0.27410709857940674,"channel":1,"num_words":1,"start":1077.1,"end":1077.5},{"sentences":[{"text":"we've","start":1077.3401,"end":1077.5801,"sentiment":"neutral","sentiment_score":-0.1939658373594284}],"sentiment":"neutral","sentiment_score":-0.1939658373594284,"channel":0,"num_words":1,"start":1077.3401,"end":1077.5801},{"sentences":[{"text":"They","start":1077.5,"end":1077.74,"sentiment":"neutral","sentiment_score":-0.2900480031967163}],"sentiment":"neutral","sentiment_score":-0.2900480031967163,"channel":1,"num_words":1,"start":1077.5,"end":1077.74},{"sentences":[{"text":"got to kind of keep the Ascender one.","start":1077.5801,"end":1078.16,"sentiment":"negative","sentiment_score":-0.3622223250567913}],"sentiment":"negative","sentiment_score":-0.3622223250567913,"channel":0,"num_words":8,"start":1077.5801,"end":1078.16},{"sentences":[{"text":"can't.","start":1077.74,"end":1078.24,"sentiment":"neutral","sentiment_score":-0.2674939036369324},{"text":"Because yeah.","start":1079.0199,"end":1080.5599,"sentiment":"neutral","sentiment_score":-0.19664836674928665},{"text":"I got I had I was diagnosed after I set it up.","start":1080.62,"end":1086.6399,"sentiment":"neutral","sentiment_score":-0.19936648880441984}],"sentiment":"neutral","sentiment_score":-0.2035459001859029,"channel":1,"num_words":15,"start":1077.74,"end":1086.6399},{"sentences":[{"text":"Yeah.","start":1087.18,"end":1087.68,"sentiment":"neutral","sentiment_score":-0.14055809378623962}],"sentiment":"neutral","sentiment_score":-0.14055809378623962,"channel":0,"num_words":1,"start":1087.18,"end":1087.68},{"sentences":[{"text":"So they said to, you know, like, the thing has been to sort of leave it because we have we have looked at it.","start":1087.755,"end":1095.2151,"sentiment":"neutral","sentiment_score":-0.26013929086426896},{"text":"But because I now have this diagnosis, they, you know, it's not sorta an option for me.","start":1095.3551,"end":1105.03,"sentiment":"negative","sentiment_score":-0.4390698583687053}],"sentiment":"negative","sentiment_score":-0.3343300139758645,"channel":1,"num_words":41,"start":1087.755,"end":1105.03},{"sentences":[{"text":"And that'll make it trickier to increase as well.","start":1105.13,"end":1107.69,"sentiment":"negative","sentiment_score":-0.4080135060681237},{"text":"Like, if we were trying to make it higher to cover the full mortgage, they probably","start":1107.69,"end":1112.1699,"sentiment":"neutral","sentiment_score":-0.17624466260895133}],"sentiment":"neutral","sentiment_score":-0.2596814462542534,"channel":0,"num_words":25,"start":1105.13,"end":1112.1699},{"sentences":[{"text":"Yeah.","start":1112.13,"end":1112.63,"sentiment":"neutral","sentiment_score":-0.09172801673412324}],"sentiment":"neutral","sentiment_score":-0.09172801673412324,"channel":1,"num_words":1,"start":1112.13,"end":1112.63},{"sentences":[{"text":"wouldn't","start":1112.1699,"end":1112.6699,"sentiment":"neutral","sentiment_score":-0.09701957553625108}],"sentiment":"neutral","sentiment_score":-0.09701957553625108,"channel":0,"num_words":1,"start":1112.1699,"end":1112.6699},{"sentences":[{"text":"Yeah.","start":1112.77,"end":1113.17,"sentiment":"neutral","sentiment_score":-0.11445967853069304}],"sentiment":"neutral","sentiment_score":-0.11445967853069304,"channel":1,"num_words":1,"start":1112.77,"end":1113.17},{"sentences":[{"text":"do","start":1113.13,"end":1113.2899,"sentiment":"neutral","sentiment_score":-0.1722254902124405}],"sentiment":"neutral","sentiment_score":-0.1722254902124405,"channel":0,"num_words":1,"start":1113.13,"end":1113.2899},{"sentences":[{"text":"I","start":1113.17,"end":1113.3301,"sentiment":"neutral","sentiment_score":-0.1851905882358551}],"sentiment":"neutral","sentiment_score":-0.1851905882358551,"channel":1,"num_words":1,"start":1113.17,"end":1113.3301},{"sentences":[{"text":"that","start":1113.2899,"end":1113.61,"sentiment":"neutral","sentiment_score":-0.16112884879112244}],"sentiment":"neutral","sentiment_score":-0.16112884879112244,"channel":0,"num_words":1,"start":1113.2899,"end":1113.61},{"sentences":[{"text":"don't think","start":1113.3301,"end":1113.81,"sentiment":"neutral","sentiment_score":-0.19980869442224503}],"sentiment":"neutral","sentiment_score":-0.19980869442224503,"channel":1,"num_words":2,"start":1113.3301,"end":1113.81},{"sentences":[{"text":"increase","start":1113.61,"end":1114.11,"sentiment":"neutral","sentiment_score":-0.2585996091365814}],"sentiment":"neutral","sentiment_score":-0.2585996091365814,"channel":0,"num_words":1,"start":1113.61,"end":1114.11},{"sentences":[{"text":"it's gonna","start":1113.81,"end":1114.4501,"sentiment":"neutral","sentiment_score":-0.3247455656528473}],"sentiment":"neutral","sentiment_score":-0.3247455656528473,"channel":1,"num_words":2,"start":1113.81,"end":1114.4501},{"sentences":[{"text":"either.","start":1114.1699,"end":1114.6699,"sentiment":"neutral","sentiment_score":-0.24042710661888125}],"sentiment":"neutral","sentiment_score":-0.24042710661888125,"channel":0,"num_words":1,"start":1114.1699,"end":1114.6699},{"sentences":[{"text":"happen.","start":1114.4501,"end":1114.9501,"sentiment":"neutral","sentiment_score":-0.1030074656009674},{"text":"No.","start":1115.25,"end":1115.685,"sentiment":"neutral","sentiment_score":-0.15275371074676514}],"sentiment":"neutral","sentiment_score":-0.12788058817386627,"channel":1,"num_words":2,"start":1114.4501,"end":1115.685},{"sentences":[{"text":"Yep.","start":1115.6849,"end":1116.1849,"sentiment":"neutral","sentiment_score":-0.06144028529524803},{"text":"So","start":1116.245,"end":1116.485,"sentiment":"neutral","sentiment_score":-0.04837195202708244}],"sentiment":"neutral","sentiment_score":-0.05490611866116524,"channel":0,"num_words":2,"start":1115.6849,"end":1116.485},{"sentences":[{"text":"Yep.","start":1116.2451,"end":1116.7451,"sentiment":"neutral","sentiment_score":-0.0019394606351852417}],"sentiment":"neutral","sentiment_score":-0.0019394606351852417,"channel":1,"num_words":1,"start":1116.2451,"end":1116.7451},{"sentences":[{"text":"for now, let's just sort of keep it going as long as it becomes affordable.","start":1116.485,"end":1120.105,"sentiment":"neutral","sentiment_score":0.0613639918466409},{"text":"And then if it becomes unaffordable, we'll talk about when we start to trim it down.","start":1120.325,"end":1125.225,"sentiment":"neutral","sentiment_score":-0.17163735395297408}],"sentiment":"neutral","sentiment_score":-0.05889476727574102,"channel":0,"num_words":31,"start":1116.485,"end":1125.225},{"sentences":[{"text":"Yeah.","start":1125.525,"end":1126.005,"sentiment":"neutral","sentiment_score":0.0581093393266201},{"text":"Yep.","start":1126.005,"end":1126.505,"sentiment":"neutral","sentiment_score":0.0859752744436264}],"sentiment":"neutral","sentiment_score":0.07204230688512325,"channel":1,"num_words":2,"start":1125.525,"end":1126.505},{"sentences":[{"text":"Okay.","start":1126.9,"end":1127.3,"sentiment":"neutral","sentiment_score":0.202942818403244},{"text":"Perfect.","start":1127.3,"end":1127.78,"sentiment":"positive","sentiment_score":0.5439282655715942},{"text":"Perfect.","start":1127.78,"end":1128.26,"sentiment":"positive","sentiment_score":0.5061194896697998},{"text":"Alright.","start":1128.26,"end":1128.76,"sentiment":"neutral","sentiment_score":0.32841676473617554},{"text":"So I'll put another little flag on there just to make sure that every time you get that anniversary, we'll keep an","start":1128.82,"end":1135.14,"sentiment":"neutral","sentiment_score":0.18818477608940817}],"sentiment":"neutral","sentiment_score":0.2200566312441459,"channel":0,"num_words":26,"start":1126.9,"end":1135.14},{"sentences":[{"text":"Yep.","start":1135.04,"end":1135.54,"sentiment":"neutral","sentiment_score":0.16763216257095337}],"sentiment":"neutral","sentiment_score":0.16763216257095337,"channel":1,"num_words":1,"start":1135.04,"end":1135.54},{"sentences":[{"text":"eye on those premiums there.","start":1135.14,"end":1136.58,"sentiment":"neutral","sentiment_score":0.16950147449970246},{"text":"Because once you hit the the fifties, it can go up quite quickly.","start":1136.58,"end":1141.16,"sentiment":"neutral","sentiment_score":0.058285536674352795},{"text":"And I've seen some people where, you know, a thousand dollars becomes $8,000 in a matter","start":1141.675,"end":1146.635,"sentiment":"neutral","sentiment_score":0.00009743357077240944}],"sentiment":"neutral","sentiment_score":0.047258184894042855,"channel":0,"num_words":34,"start":1135.14,"end":1146.635},{"sentences":[{"text":"Yeah.","start":1146.615,"end":1147.115,"sentiment":"neutral","sentiment_score":-0.00856766663491726}],"sentiment":"neutral","sentiment_score":-0.00856766663491726,"channel":1,"num_words":1,"start":1146.615,"end":1147.115},{"sentences":[{"text":"of five or six","start":1146.635,"end":1147.435,"sentiment":"neutral","sentiment_score":-0.015515945968218148}],"sentiment":"neutral","sentiment_score":-0.015515945968218148,"channel":0,"num_words":4,"start":1146.635,"end":1147.435},{"sentences":[{"text":"And","start":1147.335,"end":1147.495,"sentiment":"neutral","sentiment_score":-0.01651107147336006}],"sentiment":"neutral","sentiment_score":-0.01651107147336006,"channel":1,"num_words":1,"start":1147.335,"end":1147.495},{"sentences":[{"text":"years.","start":1147.435,"end":1147.755,"sentiment":"neutral","sentiment_score":-0.019371628761291504}],"sentiment":"neutral","sentiment_score":-0.019371628761291504,"channel":0,"num_words":1,"start":1147.435,"end":1147.755},{"sentences":[{"text":"that","start":1147.495,"end":1147.995,"sentiment":"neutral","sentiment_score":-0.015878543257713318}],"sentiment":"neutral","sentiment_score":-0.015878543257713318,"channel":1,"num_words":1,"start":1147.495,"end":1147.995},{"sentences":[{"text":"So","start":1147.755,"end":1148.255,"sentiment":"neutral","sentiment_score":-0.033308908343315125}],"sentiment":"neutral","sentiment_score":-0.033308908343315125,"channel":0,"num_words":1,"start":1147.755,"end":1148.255},{"sentences":[{"text":"that kinda happened with my husband.","start":1148.055,"end":1150.875,"sentiment":"neutral","sentiment_score":-0.06282768025994301},{"text":"It took, like, I don't know how it worked, but, you know, the super he did have all was taken because of, you know, some choices","start":1152.775,"end":1163.18,"sentiment":"neutral","sentiment_score":-0.011053717336975612}],"sentiment":"neutral","sentiment_score":-0.020761335385031998,"channel":1,"num_words":32,"start":1148.055,"end":1163.18},{"sentences":[{"text":"Premium","start":1163.05,"end":1163.53,"sentiment":"neutral","sentiment_score":-0.00872136652469635}],"sentiment":"neutral","sentiment_score":-0.00872136652469635,"channel":0,"num_words":1,"start":1163.05,"end":1163.53},{"sentences":[{"text":"that were made","start":1163.18,"end":1163.8201,"sentiment":"neutral","sentiment_score":0.014982463171084722}],"sentiment":"neutral","sentiment_score":0.014982463171084722,"channel":1,"num_words":3,"start":1163.18,"end":1163.8201},{"sentences":[{"text":"is going","start":1163.53,"end":1163.93,"sentiment":"neutral","sentiment_score":0.011583052575588226}],"sentiment":"neutral","sentiment_score":0.011583052575588226,"channel":0,"num_words":2,"start":1163.53,"end":1163.93},{"sentences":[{"text":"or","start":1163.8201,"end":1164.14,"sentiment":"neutral","sentiment_score":0.015488460659980774}],"sentiment":"neutral","sentiment_score":0.015488460659980774,"channel":1,"num_words":1,"start":1163.8201,"end":1164.14},{"sentences":[{"text":"up.","start":1163.93,"end":1164.43,"sentiment":"neutral","sentiment_score":-0.01180540770292282}],"sentiment":"neutral","sentiment_score":-0.01180540770292282,"channel":0,"num_words":1,"start":1163.93,"end":1164.43},{"sentences":[{"text":"some advice that we were given.","start":1164.14,"end":1166.0,"sentiment":"neutral","sentiment_score":-0.01654869659493367}],"sentiment":"neutral","sentiment_score":-0.01654869659493367,"channel":1,"num_words":6,"start":1164.14,"end":1166.0},{"sentences":[{"text":"Yeah.","start":1165.545,"end":1166.045,"sentiment":"neutral","sentiment_score":-0.028436753898859024}],"sentiment":"neutral","sentiment_score":-0.028436753898859024,"channel":0,"num_words":1,"start":1165.545,"end":1166.045},{"sentences":[{"text":"And the premiums just went sky high, and they just paid it.","start":1166.38,"end":1169.8201,"sentiment":"neutral","sentiment_score":-0.11373320842782657},{"text":"And it just took all of his super.","start":1169.8201,"end":1171.76,"sentiment":"neutral","sentiment_score":-0.10396080929785967}],"sentiment":"neutral","sentiment_score":-0.10982424877583981,"channel":1,"num_words":20,"start":1166.38,"end":1171.76},{"sentences":[{"text":"See, that's where I wanna be a little bit different with Oakview.","start":1172.505,"end":1175.545,"sentiment":"neutral","sentiment_score":-0.013092235972483953},{"text":"We wanna keep an eye on","start":1175.545,"end":1176.5851,"sentiment":"neutral","sentiment_score":0.009905965067446232}],"sentiment":"neutral","sentiment_score":-0.005426168959173892,"channel":0,"num_words":18,"start":1172.505,"end":1176.5851},{"sentences":[{"text":"Yeah.","start":1176.515,"end":1177.015,"sentiment":"neutral","sentiment_score":-0.008978486061096191}],"sentiment":"neutral","sentiment_score":-0.008978486061096191,"channel":1,"num_words":1,"start":1176.515,"end":1177.015},{"sentences":[{"text":"this because while it's nice to have that there to cover as much of the mortgage as possible, if it starts jumping up to $34,000, we're gonna have to have that conversation about how much is too much.","start":1176.5851,"end":1187.9401,"sentiment":"neutral","sentiment_score":-0.12842624046300588}],"sentiment":"neutral","sentiment_score":-0.12842624046300588,"channel":0,"num_words":38,"start":1176.5851,"end":1187.9401},{"sentences":[{"text":"Yeah.","start":1188.21,"end":1188.61,"sentiment":"neutral","sentiment_score":-0.03181564062833786},{"text":"Exactly.","start":1188.61,"end":1189.11,"sentiment":"neutral","sentiment_score":-0.01796196773648262},{"text":"And we don't wanna","start":1189.17,"end":1189.97,"sentiment":"neutral","sentiment_score":-0.09855267032980919}],"sentiment":"neutral","sentiment_score":-0.0739980482806762,"channel":1,"num_words":6,"start":1188.21,"end":1189.97},{"sentences":[{"text":"Yep.","start":1189.92,"end":1190.42,"sentiment":"neutral","sentiment_score":-0.12417320907115936}],"sentiment":"neutral","sentiment_score":-0.12417320907115936,"channel":0,"num_words":1,"start":1189.92,"end":1190.42},{"sentences":[{"text":"fall into that again.","start":1189.97,"end":1191.27,"sentiment":"neutral","sentiment_score":-0.11002620682120323}],"sentiment":"neutral","sentiment_score":-0.11002620682120323,"channel":1,"num_words":4,"start":1189.97,"end":1191.27},{"sentences":[{"text":"So","start":1192.0,"end":1192.5,"sentiment":"neutral","sentiment_score":-0.015700332820415497}],"sentiment":"neutral","sentiment_score":-0.015700332820415497,"channel":0,"num_words":1,"start":1192.0,"end":1192.5},{"sentences":[{"text":"Yep.","start":1192.21,"end":1192.71,"sentiment":"neutral","sentiment_score":0.003021119860932231}],"sentiment":"neutral","sentiment_score":0.003021119860932231,"channel":1,"num_words":1,"start":1192.21,"end":1192.71},{"sentences":[{"text":"662 is not too bad at the moment, but we'll keep a close eye on it.","start":1192.64,"end":1196.985,"sentiment":"neutral","sentiment_score":0.05410158447921276},{"text":"And the next","start":1196.985,"end":1197.465,"sentiment":"neutral","sentiment_score":0.025670052816470463}],"sentiment":"neutral","sentiment_score":0.04961239526930608,"channel":0,"num_words":19,"start":1192.64,"end":1197.465},{"sentences":[{"text":"Yeah.","start":1197.41,"end":1197.91,"sentiment":"neutral","sentiment_score":0.008179265074431896}],"sentiment":"neutral","sentiment_score":0.008179265074431896,"channel":1,"num_words":1,"start":1197.41,"end":1197.91},{"sentences":[{"text":"anniversary until May of next year.","start":1197.465,"end":1199.8049,"sentiment":"neutral","sentiment_score":0.01932959444820881}],"sentiment":"neutral","sentiment_score":0.01932959444820881,"channel":0,"num_words":6,"start":1197.465,"end":1199.8049},{"sentences":[{"text":"Yep.","start":1200.195,"end":1200.595,"sentiment":"neutral","sentiment_score":0.05712857097387314},{"text":"And then we'll check it then.","start":1200.595,"end":1201.975,"sentiment":"neutral","sentiment_score":0.04527353619535764}],"sentiment":"neutral","sentiment_score":0.046967112592288425,"channel":1,"num_words":7,"start":1200.195,"end":1201.975},{"sentences":[{"text":"Perfect.","start":1202.4249,"end":1202.9249,"sentiment":"positive","sentiment_score":0.33645179867744446},{"text":"Okay.","start":1203.145,"end":1203.645,"sentiment":"neutral","sentiment_score":0.18990303575992584}],"sentiment":"neutral","sentiment_score":0.26317741721868515,"channel":0,"num_words":2,"start":1202.4249,"end":1203.645},{"sentences":[{"text":"Yeah.","start":1203.635,"end":1204.135,"sentiment":"neutral","sentiment_score":0.20189043879508972}],"sentiment":"neutral","sentiment_score":0.20189043879508972,"channel":1,"num_words":1,"start":1203.635,"end":1204.135},{"sentences":[{"text":"So we'll stay high growth.","start":1204.1849,"end":1206.985,"sentiment":"neutral","sentiment_score":0.32831144630908965},{"text":"We'll keep the portfolio going within Hub for the time being.","start":1206.985,"end":1210.6849,"sentiment":"neutral","sentiment_score":0.24129344793883237},{"text":"I'll","start":1210.97,"end":1211.29,"sentiment":"neutral","sentiment_score":0.02981112152338028}],"sentiment":"neutral","sentiment_score":0.2544468400232932,"channel":0,"num_words":17,"start":1204.1849,"end":1211.29},{"sentences":[{"text":"Mhmm.","start":1211.155,"end":1211.655,"sentiment":"neutral","sentiment_score":0.01832524687051773}],"sentiment":"neutral","sentiment_score":0.01832524687051773,"channel":1,"num_words":1,"start":1211.155,"end":1211.655},{"sentences":[{"text":"have another chat with you about the investments and the risk level on our next review.","start":1211.29,"end":1216.67,"sentiment":"neutral","sentiment_score":0.02777793537825346},{"text":"Do you prefer to do a bit more contact throughout the year?","start":1216.97,"end":1220.5701,"sentiment":"neutral","sentiment_score":0.018162134957189362},{"text":"We can do six monthly or quarterly, or do you just prefer that twelve month annual review?","start":1220.5701,"end":1225.365,"sentiment":"neutral","sentiment_score":0.02401485710459597}],"sentiment":"neutral","sentiment_score":0.023792114584810203,"channel":0,"num_words":45,"start":1211.29,"end":1225.365},{"sentences":[{"text":"I think the twelve months is probably okay at the moment.","start":1224.91,"end":1230.585,"sentiment":"neutral","sentiment_score":0.10745478455315936}],"sentiment":"neutral","sentiment_score":0.10745478455315936,"channel":1,"num_words":11,"start":1224.91,"end":1230.585},{"sentences":[{"text":"Yep.","start":1231.045,"end":1231.205,"sentiment":"neutral","sentiment_score":0.16131606698036194},{"text":"No worries.","start":1231.205,"end":1231.6849,"sentiment":"neutral","sentiment_score":0.16326657682657242},{"text":"So if anything does pop up in between, any concerns or anything you would like to talk to us about,","start":1231.6849,"end":1236.985,"sentiment":"neutral","sentiment_score":0.07324308641254902}],"sentiment":"neutral","sentiment_score":0.08490047603845596,"channel":0,"num_words":23,"start":1231.045,"end":1236.985},{"sentences":[{"text":"Yeah.","start":1237.205,"end":1237.705,"sentiment":"neutral","sentiment_score":0.10405868291854858}],"sentiment":"neutral","sentiment_score":0.10405868291854858,"channel":1,"num_words":1,"start":1237.205,"end":1237.705},{"sentences":[{"text":"please just call through and","start":1237.205,"end":1238.47,"sentiment":"neutral","sentiment_score":0.1033693015575409}],"sentiment":"neutral","sentiment_score":0.1033693015575409,"channel":0,"num_words":5,"start":1237.205,"end":1238.47},{"sentences":[{"text":"Yep.","start":1238.4049,"end":1238.9049,"sentiment":"neutral","sentiment_score":0.11136259883642197}],"sentiment":"neutral","sentiment_score":0.11136259883642197,"channel":1,"num_words":1,"start":1238.4049,"end":1238.9049},{"sentences":[{"text":"book in the chat, but we'll keep an eye on things.","start":1238.47,"end":1240.5499,"sentiment":"neutral","sentiment_score":0.11503314023668115},{"text":"And then at that review, we'll have that next risk discussion as well.","start":1240.5499,"end":1244.49,"sentiment":"neutral","sentiment_score":0.09464423874249825}],"sentiment":"neutral","sentiment_score":0.10398915192733209,"channel":0,"num_words":24,"start":1238.47,"end":1244.49},{"sentences":[{"text":"Yep.","start":1245.01,"end":1245.25,"sentiment":"neutral","sentiment_score":0.15487515926361084},{"text":"Okay.","start":1245.25,"end":1245.75,"sentiment":"positive","sentiment_score":0.3393649458885193}],"sentiment":"neutral","sentiment_score":0.24712005257606506,"channel":1,"num_words":2,"start":1245.01,"end":1245.75},{"sentences":[{"text":"Perfect.","start":1246.39,"end":1246.87,"sentiment":"positive","sentiment_score":0.6097902655601501}],"sentiment":"positive","sentiment_score":0.6097902655601501,"channel":0,"num_words":1,"start":1246.39,"end":1246.87},{"sentences":[{"text":"Sounds","start":1246.61,"end":1246.9299,"sentiment":"positive","sentiment_score":0.5133927464485168}],"sentiment":"positive","sentiment_score":0.5133927464485168,"channel":1,"num_words":1,"start":1246.61,"end":1246.9299},{"sentences":[{"text":"So","start":1246.87,"end":1247.11,"sentiment":"positive","sentiment_score":0.6148799657821655}],"sentiment":"positive","sentiment_score":0.6148799657821655,"channel":0,"num_words":1,"start":1246.87,"end":1247.11},{"sentences":[{"text":"good.","start":1246.9299,"end":1247.4299,"sentiment":"positive","sentiment_score":0.5419161319732666}],"sentiment":"positive","sentiment_score":0.5419161319732666,"channel":1,"num_words":1,"start":1246.9299,"end":1247.4299},{"sentences":[{"text":"at the moment, I'll send out those beneficiary forms, get those sorted with you.","start":1247.11,"end":1252.545,"sentiment":"neutral","sentiment_score":0.18947647724832808},{"text":"There's that reminder just when life does slow down a little bit.","start":1253.3451,"end":1256.385,"sentiment":"neutral","sentiment_score":0.002602810195336739},{"text":"If it does, we'll get the will and everything organized.","start":1256.385,"end":1258.7051,"sentiment":"neutral","sentiment_score":0.14363138228654862},{"text":"But for now, there's a lot to do in terms of","start":1258.7051,"end":1261.185,"sentiment":"neutral","sentiment_score":0.01798362327231602}],"sentiment":"neutral","sentiment_score":0.09187315069535311,"channel":0,"num_words":47,"start":1247.11,"end":1261.185},{"sentences":[{"text":"Mhmm.","start":1261.145,"end":1261.2251,"sentiment":"neutral","sentiment_score":0.05089616030454635}],"sentiment":"neutral","sentiment_score":0.05089616030454635,"channel":1,"num_words":1,"start":1261.145,"end":1261.2251},{"sentences":[{"text":"the","start":1261.185,"end":1261.3451,"sentiment":"neutral","sentiment_score":0.043667104095220566}],"sentiment":"neutral","sentiment_score":0.043667104095220566,"channel":0,"num_words":1,"start":1261.185,"end":1261.3451},{"sentences":[{"text":"Yes.","start":1261.2251,"end":1261.7251,"sentiment":"neutral","sentiment_score":0.05434972047805786}],"sentiment":"neutral","sentiment_score":0.05434972047805786,"channel":1,"num_words":1,"start":1261.2251,"end":1261.7251},{"sentences":[{"text":"renovation, savings,","start":1261.3451,"end":1262.7051,"sentiment":"neutral","sentiment_score":0.050075603649020195}],"sentiment":"neutral","sentiment_score":0.050075603649020195,"channel":0,"num_words":2,"start":1261.3451,"end":1262.7051},{"sentences":[{"text":"Yes.","start":1262.5851,"end":1263.0851,"sentiment":"neutral","sentiment_score":0.07495458424091339}],"sentiment":"neutral","sentiment_score":0.07495458424091339,"channel":1,"num_words":1,"start":1262.5851,"end":1263.0851},{"sentences":[{"text":"and the mortgage.","start":1262.7051,"end":1263.525,"sentiment":"neutral","sentiment_score":0.07324437548716863}],"sentiment":"neutral","sentiment_score":0.07324437548716863,"channel":0,"num_words":3,"start":1262.7051,"end":1263.525},{"sentences":[{"text":"Yes.","start":1263.9451,"end":1264.4451,"sentiment":"neutral","sentiment_score":0.17636339366436005}],"sentiment":"neutral","sentiment_score":0.17636339366436005,"channel":1,"num_words":1,"start":1263.9451,"end":1264.4451},{"sentences":[{"text":"Cool.","start":1265.4401,"end":1265.9401,"sentiment":"positive","sentiment_score":0.3418278694152832},{"text":"Bob, the other thing that's in that review pack with you, so you've got the super, the insurance, the financial services guide.","start":1266.4801,"end":1272.8201,"sentiment":"neutral","sentiment_score":0.21869553083723242},{"text":"We've included the updated service agreement with you as well.","start":1272.88,"end":1276.42,"sentiment":"neutral","sentiment_score":0.19920874983072281},{"text":"So in order to remain advisers, we do need you to sign off on consent for us to be on your account to be able to make the changes and look after things.","start":1276.56,"end":1284.965,"sentiment":"neutral","sentiment_score":0.09353841671889479},{"text":"I just","start":1285.105,"end":1285.425,"sentiment":"neutral","sentiment_score":0.08515408635139465}],"sentiment":"neutral","sentiment_score":0.15297489662599914,"channel":0,"num_words":68,"start":1265.4401,"end":1285.425},{"sentences":[{"text":"Yes.","start":1285.3949,"end":1285.8949,"sentiment":"neutral","sentiment_score":0.12360237538814545}],"sentiment":"neutral","sentiment_score":0.12360237538814545,"channel":1,"num_words":1,"start":1285.3949,"end":1285.8949},{"sentences":[{"text":"wanted to ask you if you were still happy with our services.","start":1285.425,"end":1287.845,"sentiment":"neutral","sentiment_score":0.0910052191466093}],"sentiment":"neutral","sentiment_score":0.0910052191466093,"channel":0,"num_words":12,"start":1285.425,"end":1287.845},{"sentences":[{"text":"Yes.","start":1288.4349,"end":1288.9349,"sentiment":"neutral","sentiment_score":0.3196335732936859},{"text":"Nice.","start":1288.995,"end":1289.495,"sentiment":"positive","sentiment_score":0.5778709650039673},{"text":"Happy with","start":1289.7949,"end":1290.355,"sentiment":"positive","sentiment_score":0.5922706723213196}],"sentiment":"positive","sentiment_score":0.5205114707350731,"channel":1,"num_words":4,"start":1288.4349,"end":1290.355},{"sentences":[{"text":"Cool.","start":1290.3201,"end":1290.8201,"sentiment":"positive","sentiment_score":0.6110836267471313}],"sentiment":"positive","sentiment_score":0.6110836267471313,"channel":0,"num_words":1,"start":1290.3201,"end":1290.8201},{"sentences":[{"text":"your service.","start":1290.355,"end":1291.0149,"sentiment":"positive","sentiment_score":0.5128911435604095},{"text":"Yeah.","start":1291.5549,"end":1292.0549,"sentiment":"neutral","sentiment_score":0.1601176559925079}],"sentiment":"positive","sentiment_score":0.3952999810377757,"channel":1,"num_words":3,"start":1290.355,"end":1292.0549},{"sentences":[{"text":"Now just a bit of a heads up.","start":1292.3201,"end":1294.0,"sentiment":"neutral","sentiment_score":0.01840513153001666},{"text":"So the fees haven't changed this year.","start":1294.0,"end":1296.3201,"sentiment":"neutral","sentiment_score":-0.04738457554153034},{"text":"It's still the","start":1296.3201,"end":1296.88,"sentiment":"neutral","sentiment_score":-0.018216397613286972}],"sentiment":"neutral","sentiment_score":-0.013283342743913332,"channel":0,"num_words":18,"start":1292.3201,"end":1296.88},{"sentences":[{"text":"Mhmm.","start":1296.87,"end":1297.37,"sentiment":"neutral","sentiment_score":0.007978362031280994}],"sentiment":"neutral","sentiment_score":0.007978362031280994,"channel":1,"num_words":1,"start":1296.87,"end":1297.37},{"sentences":[{"text":"1.5% capped at 600,000, but we will be bringing in a bit of a tiered structure soon so that","start":1296.88,"end":1304.8151,"sentiment":"neutral","sentiment_score":0.05615423482499624}],"sentiment":"neutral","sentiment_score":0.05615423482499624,"channel":0,"num_words":19,"start":1296.88,"end":1304.8151},{"sentences":[{"text":"Mhmm.","start":1304.5499,"end":1305.0499,"sentiment":"neutral","sentiment_score":0.04977842420339584}],"sentiment":"neutral","sentiment_score":0.04977842420339584,"channel":1,"num_words":1,"start":1304.5499,"end":1305.0499},{"sentences":[{"text":"once you go above 200,000, they'll start to be discounts applied next year.","start":1304.8151,"end":1309.0751,"sentiment":"neutral","sentiment_score":0.05242164031817363},{"text":"So","start":1309.2151,"end":1309.615,"sentiment":"neutral","sentiment_score":-0.032747965306043625}],"sentiment":"neutral","sentiment_score":0.04633809705930097,"channel":0,"num_words":14,"start":1304.8151,"end":1309.615},{"sentences":[{"text":"Right.","start":1309.5449,"end":1310.0449,"sentiment":"neutral","sentiment_score":-0.03648430109024048}],"sentiment":"neutral","sentiment_score":-0.03648430109024048,"channel":1,"num_words":1,"start":1309.5449,"end":1310.0449},{"sentences":[{"text":"we're just trying to step things down for people as they get to a higher balance.","start":1309.615,"end":1313.555,"sentiment":"neutral","sentiment_score":0.00375441019423306}],"sentiment":"neutral","sentiment_score":0.00375441019423306,"channel":0,"num_words":16,"start":1309.615,"end":1313.555},{"sentences":[{"text":"Yep.","start":1314.105,"end":1314.605,"sentiment":"neutral","sentiment_score":0.04695999622344971},{"text":"Okay.","start":1314.745,"end":1315.245,"sentiment":"neutral","sentiment_score":0.03125464543700218}],"sentiment":"neutral","sentiment_score":0.039107320830225945,"channel":1,"num_words":2,"start":1314.105,"end":1315.245},{"sentences":[{"text":"K?","start":1315.2151,"end":1315.6951,"sentiment":"neutral","sentiment_score":0.016452405601739883},{"text":"So this one will be the same.","start":1315.6951,"end":1317.135,"sentiment":"neutral","sentiment_score":0.02316133358648845},{"text":"The next one, there should be some discounts there.","start":1317.135,"end":1319.295,"sentiment":"neutral","sentiment_score":0.13815182447433472},{"text":"But when we get","start":1319.295,"end":1319.94,"sentiment":"neutral","sentiment_score":0.060417983680963516}],"sentiment":"neutral","sentiment_score":0.07922000455714408,"channel":0,"num_words":21,"start":1315.2151,"end":1319.94},{"sentences":[{"text":"Mhmm.","start":1319.865,"end":1320.365,"sentiment":"neutral","sentiment_score":0.03635844960808754}],"sentiment":"neutral","sentiment_score":0.03635844960808754,"channel":1,"num_words":1,"start":1319.865,"end":1320.365},{"sentences":[{"text":"that next financial services guide, we'll send that through to you as well.","start":1319.94,"end":1323.3999,"sentiment":"neutral","sentiment_score":0.13972148299217224}],"sentiment":"neutral","sentiment_score":0.13972148299217224,"channel":0,"num_words":13,"start":1319.94,"end":1323.3999},{"sentences":[{"text":"Yep.","start":1323.66,"end":1324.14,"sentiment":"neutral","sentiment_score":0.30661541223526},{"text":"Sounds good.","start":1324.14,"end":1324.9601,"sentiment":"positive","sentiment_score":0.7458966672420502}],"sentiment":"positive","sentiment_score":0.5994695822397867,"channel":1,"num_words":3,"start":1323.66,"end":1324.9601},{"sentences":[{"text":"Amazing.","start":1325.22,"end":1325.62,"sentiment":"positive","sentiment_score":0.7577641010284424},{"text":"Any questions for me before I let you go?","start":1325.62,"end":1327.64,"sentiment":"neutral","sentiment_score":0.2572431614001592}],"sentiment":"neutral","sentiment_score":0.3072952553629875,"channel":0,"num_words":10,"start":1325.22,"end":1327.64},{"sentences":[{"text":"No.","start":1328.4601,"end":1328.78,"sentiment":"neutral","sentiment_score":-0.08827194571495056},{"text":"No.","start":1328.78,"end":1329.1,"sentiment":"neutral","sentiment_score":-0.09317968040704729},{"text":"I think I'm pretty good.","start":1329.1,"end":1330.3201,"sentiment":"neutral","sentiment_score":0.2767087548971176}],"sentiment":"neutral","sentiment_score":0.17172744976622717,"channel":1,"num_words":7,"start":1328.4601,"end":1330.3201},{"sentences":[{"text":"Amazing, Bob.","start":1331.635,"end":1332.195,"sentiment":"positive","sentiment_score":0.6916564702987671},{"text":"Well, thank you so much for your time.","start":1332.195,"end":1334.035,"sentiment":"positive","sentiment_score":0.7228637635707855},{"text":"If you can","start":1334.035,"end":1334.595,"sentiment":"neutral","sentiment_score":0.2358055313428243}],"sentiment":"positive","sentiment_score":0.6056645879378686,"channel":0,"num_words":13,"start":1331.635,"end":1334.595},{"sentences":[{"text":"Thank","start":1334.4601,"end":1334.78,"sentiment":"neutral","sentiment_score":0.2477199286222458}],"sentiment":"neutral","sentiment_score":0.2477199286222458,"channel":1,"num_words":1,"start":1334.4601,"end":1334.78},{"sentences":[{"text":"have a","start":1334.595,"end":1334.835,"sentiment":"neutral","sentiment_score":0.3142932653427124}],"sentiment":"neutral","sentiment_score":0.3142932653427124,"channel":0,"num_words":2,"start":1334.595,"end":1334.835},{"sentences":[{"text":"you.","start":1334.78,"end":1335.28,"sentiment":"neutral","sentiment_score":0.2568514347076416}],"sentiment":"neutral","sentiment_score":0.2568514347076416,"channel":1,"num_words":1,"start":1334.78,"end":1335.28},{"sentences":[{"text":"look at that email when you get a chance, we will post out that pack.","start":1334.835,"end":1338.995,"sentiment":"neutral","sentiment_score":0.26558277805646263},{"text":"And, again, any questions, just call back.","start":1338.995,"end":1341.417,"sentiment":"neutral","sentiment_score":0.14598390140703746}],"sentiment":"neutral","sentiment_score":0.22752859003164552,"channel":0,"num_words":22,"start":1334.835,"end":1341.417},{"sentences":[{"text":"Yep.","start":1341.805,"end":1342.285,"sentiment":"neutral","sentiment_score":0.1890798807144165},{"text":"No worries.","start":1342.285,"end":1343.005,"sentiment":"neutral","sentiment_score":0.30079397559165955},{"text":"Thank you so","start":1343.005,"end":1343.985,"sentiment":"positive","sentiment_score":0.5976869066556295}],"sentiment":"positive","sentiment_score":0.4306214253107707,"channel":1,"num_words":6,"start":1341.805,"end":1343.985},{"sentences":[{"text":"Thank you, Bob.","start":1344.297,"end":1344.937,"sentiment":"positive","sentiment_score":0.7296525041262308},{"text":"Have a fantastic","start":1344.937,"end":1345.757,"sentiment":"positive","sentiment_score":0.77758260567983}],"sentiment":"positive","sentiment_score":0.7536175549030304,"channel":0,"num_words":6,"start":1344.297,"end":1345.757},{"sentences":[{"text":"much.","start":1345.5651,"end":1346.0651,"sentiment":"positive","sentiment_score":0.6926842927932739}],"sentiment":"positive","sentiment_score":0.6926842927932739,"channel":1,"num_words":1,"start":1345.5651,"end":1346.0651},{"sentences":[{"text":"day.","start":1345.817,"end":1346.317,"sentiment":"positive","sentiment_score":0.5018484592437744}],"sentiment":"positive","sentiment_score":0.5018484592437744,"channel":0,"num_words":1,"start":1345.817,"end":1346.317},{"sentences":[{"text":"You too.","start":1346.365,"end":1346.925,"sentiment":"positive","sentiment_score":0.42237134277820587},{"text":"Thank you.","start":1346.925,"end":1347.645,"sentiment":"positive","sentiment_score":0.5730189085006714},{"text":"See you later.","start":1347.645,"end":1348.545,"sentiment":"positive","sentiment_score":0.4652779797712962}],"sentiment":"positive","sentiment_score":0.48380206312452045,"channel":1,"num_words":7,"start":1346.365,"end":1348.545},{"sentences":[{"text":"Bye.","start":1348.057,"end":1348.557,"sentiment":"neutral","sentiment_score":0.22035811841487885}],"sentiment":"neutral","sentiment_score":0.22035811841487885,"channel":0,"num_words":1,"start":1348.057,"end":1348.557},{"sentences":[{"text":"Bye.","start":1348.685,"end":1349.185,"sentiment":"neutral","sentiment_score":-0.11261089146137238}],"sentiment":"neutral","sentiment_score":-0.11261089146137238,"channel":1,"num_words":1,"start":1348.685,"end":1349.185}]},"summary":{"result":"success","short":"During a conversation between a senior adviser from Oakview named Tommy and a customer named Barbara, they discuss retirement goals, assets, liabilities, and savings. The adviser provides updates on their retirement plans, home renovation projects, and savings from insurance. They also discuss beneficiary choices and emphasizes the importance of growth for preserving retirement savings. The conversation also touches on changing life insurance policies and the importance of reducing risk levels. The speaker emphasizes the need for growth and a review process for updating beneficiaries."},"intents":{"segments":[{"text":"I can do that. Perfect. I'm just gonna go through a quick security check with you, and I've got an email pack to send through to you for your review. Will you be able to look onto the emails with me today, or should I just kind of walk you through what's coming? Yeah.","start_word":72,"end_word":125,"intents":[{"intent":"Offer assistance","confidence_score":0.0034463387}]},{"text":"I'm just gonna go through a quick security check with you, and I've got an email pack to send through to you for your review. Will you be able to look onto the emails with me today, or should I just kind of walk you through what's coming? Yeah.","start_word":77,"end_word":125,"intents":[{"intent":"Inquire about security check","confidence_score":0.0071134446},{"intent":"Check status","confidence_score":0.0017862668}]},{"text":"please confirm your date of birth and address?","start_word":152,"end_word":159,"intents":[{"intent":"Confirm name","confidence_score":0.015944023},{"intent":"Confirm address","confidence_score":0.043455616},{"intent":"Confirm date of birth and address","confidence_score":0.001583778}]},{"text":"And are you okay for the call to be recorded? Yeah.","start_word":170,"end_word":180,"intents":[{"intent":"Confirm call recording","confidence_score":0.024503047}]},{"text":"Now for the review today, I've got some updated information on the super certificate of currency for your insurances coming through and just some updated financial services guide with Oakview. Yep.","start_word":207,"end_word":237,"intents":[{"intent":"Discuss financial guides","confidence_score":0.00070178276}]},{"text":"have a bit of a note there that you were trying to look at some super for your daughter, I believe, going I through was. I've early I've employment. talked to I've now set her up with Australian Super. Amazing. Yeah.","start_word":275,"end_word":315,"intents":[{"intent":"Express interest in super for daughter","confidence_score":0.06701952}]},{"text":"Now I'm just having a quick look about some of these details I need to update on our new system, Bob. But goals wise, I do have here that we're looking to try and retire as early as possible towards age 60, which is when you Yeah.","start_word":400,"end_word":446,"intents":[{"intent":"Understand retirement goals","confidence_score":0.0004992769}]},{"text":"And last time we checked, you did have a car and a truck and about 50,000 in savings, liquid cash. Is that Mhmm. pretty close to the mark as well? We've got, yeah, the car and the trucks and another truck. Yep. And now that the savings have reduced because we put that money into our home Yeah.","start_word":705,"end_word":762,"intents":[{"intent":"Update savings","confidence_score":0.023897517}]},{"text":"the We probably got about 10,000 left in that savings just to Yep. yeah.","start_word":1001,"end_word":1014,"intents":[{"intent":"Build savings","confidence_score":0.39013937}]},{"text":"And, Bob, I wanted to update too in terms of the occupation there. We had you earning about 60,000 as a bit of an admin officer. Has your Mhmm.","start_word":1199,"end_word":1227,"intents":[{"intent":"Update occupation","confidence_score":0.7253956}]},{"text":"So I work for the Department of Education yeah. The Department of Education.","start_word":1244,"end_word":1256,"intents":[{"intent":"Work for department of education","confidence_score":0.043016832}]},{"text":"Yeah.","start_word":1283,"end_word":1283,"intents":[{"intent":"Report contributions","confidence_score":0.016965125}]},{"text":"I just wanted to check with you today if you wanted me to send through some forms for your super beneficiary to get that updated on Hub since remember we changed you over from Netwealth to Hub. I think we still needed to list somebody on the super there if it would be easy for me to kind of put together some prefilled forms for you just to make it a bit easier. Yeah. Righto.","start_word":1485,"end_word":1559,"intents":[{"intent":"Request to send forms","confidence_score":0.001107904}]},{"text":"a preference between those? I know it's a bit of a silly question. Yeah. I'll probably do it binding, I think, just Yeah. so it's all right. Yeah.","start_word":1804,"end_word":1831,"intents":[{"intent":"Confirm understanding","confidence_score":0.0011170212}]},{"text":"Now there's a few changes that have happened. So I wanna just kind of paint the picture a little bit because the market's obviously been going a bit crazy since the Yep. war broke out and everything, but you had Yep. some changes where Dana switched you from Netwealth to Hub, got you a bit of an updated portfolio. Does that ring a bell?","start_word":2097,"end_word":2160,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.012843021}]},{"text":"some changes where Dana switched you from Netwealth to Hub, got you a bit of an updated portfolio. Does that ring a bell?","start_word":2138,"end_word":2160,"intents":[{"intent":"Share update details","confidence_score":0.000004307998}]},{"text":"Very, very strong growth across Yep. all other seven options. Mhmm.","start_word":2362,"end_word":2372,"intents":[{"intent":"Assist with growth and strategy","confidence_score":0.000026033114}]},{"text":"So what I wanted to check with you is because we're still focused so much on growth right now, are you okay Mhmm. with that roller coaster ride for it to be going up and down so much to get that growth and then protect it later, or should we be talking about reducing the risk a little bit? Well, yeah.","start_word":2544,"end_word":2604,"intents":[{"intent":"Inquire about future growth and risk reduction","confidence_score":0.00014434676},{"intent":"Discuss minimizing risk","confidence_score":0.0007759893}]},{"text":"So So the way that usually plays out is, let's say, in the next nine years, you're expecting seven years where the market grows, two years where the market goes down. If that happens this year, next year, that's actually kind of a good thing because we can use it as a buying opportunity to kind of buy into all of the shares and property gold when they go down. We don't Yep.","start_word":2620,"end_word":2692,"intents":[{"intent":"Discuss future market growth","confidence_score":0.04301741}]},{"text":"If that happens this year, next year, that's actually kind of a good thing because we can use it as a buying opportunity to kind of buy into all of the shares and property gold when they go down.","start_word":2651,"end_word":2689,"intents":[{"intent":"Use as a buying opportunity","confidence_score":0.0014390692}]},{"text":"want that to happen when you're three years from retirement. Yeah.","start_word":2694,"end_word":2704,"intents":[{"intent":"Plan retirement","confidence_score":0.058159944}]},{"text":"So I'm not gonna change super funds now. We're not gonna really I'll put a flag on that option for the end of Mhmm. the year, Yep. and we'll just kind of keep trying to get that growth out of it. Yes. Yep.","start_word":3046,"end_word":3088,"intents":[{"intent":"Discussing super funds","confidence_score":0.006176465}]},{"text":"The other thing too is just in terms of fees, you do Mhmm. have the life and TPD insurance coming out of the super as well. That 250,000 worth of life and disability insurance. Does that ring a bell?","start_word":3089,"end_word":3127,"intents":[{"intent":"Examining fees","confidence_score":0.000453725}]},{"text":"But I do just wanna check it with you because, obviously, that will chop off half of the mortgage. Is that too little in terms of insurance? Is that too much? Are you do you still value them?","start_word":3179,"end_word":3216,"intents":[{"intent":"Discussing insurance coverage","confidence_score":0.05252077}]},{"text":"Are you do you still value them?","start_word":3210,"end_word":3216,"intents":[{"intent":"Assessing insurance value","confidence_score":0.11314312}]},{"text":"And that'll make it trickier to increase as well. Like, if we were trying to make it higher to cover the full mortgage, they probably Yeah.","start_word":3340,"end_word":3365,"intents":[{"intent":"Update policy and budget","confidence_score":0.000060877144}]},{"text":"I'll Mhmm. have another chat with you about the investments and the risk level on our next review.","start_word":3674,"end_word":3691,"intents":[{"intent":"Discuss investments and risk level","confidence_score":0.28845286}]},{"text":"just call through and Yep. book in the chat, but we'll keep an eye on things. And then at that review, we'll have that next risk discussion as well. Yep.","start_word":3756,"end_word":3785,"intents":[{"intent":"Book in chat","confidence_score":0.01339366}]},{"text":"at the moment, I'll send out those beneficiary forms, get those sorted with you.","start_word":3791,"end_word":3804,"intents":[{"intent":"Send beneficiary forms","confidence_score":0.7675061},{"intent":"Get beneficiary forms sorted","confidence_score":0.001300853}]},{"text":"wanted to ask you if you were still happy with our services. Yes. Nice.","start_word":3917,"end_word":3930,"intents":[{"intent":"Ask about satisfaction with services","confidence_score":0.0034707785}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Barbara. It's Tommy here, senior adviser of Oakview. How are you doing today? Good. How are you?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.1312151551246643},{"text":"I'm doing fantastic. It's a very cool, chill day on the Gold Coast.","start_word":19,"end_word":31,"sentiment":"positive","sentiment_score":0.6817992329597473},{"text":"What about your end? Yeah.","start_word":32,"end_word":36,"sentiment":"neutral","sentiment_score":0.20692235231399536},{"text":"It's pretty cool here too. Great to hear. Great to hear.","start_word":37,"end_word":47,"sentiment":"positive","sentiment_score":0.5216422080993652},{"text":"I've got you Yep. booked in to go through a bit of an annual review. Do you still have time for me? Yeah. Yeah. I can do that.","start_word":48,"end_word":75,"sentiment":"neutral","sentiment_score":0.13009683787822723},{"text":"Perfect.","start_word":76,"end_word":76,"sentiment":"positive","sentiment_score":0.4069832861423493},{"text":"I'm just gonna go through a quick security check with you, and I've got an email pack to send through to you for your review. Will you be able to look onto the emails with me today, or should I just kind of walk you through what's coming? Yeah. Just walk me through what's coming. Yep. No worries at all. Barbara, I'm registered with adviser one two seven three one zero five. Could I Yeah. please confirm your date of birth and address? '20 3rd of the 5th 75323 Burramble Road, Burramble. Perfect. And are you okay for the call to be recorded? Yeah. That's fine. Sensational. So I've got your asBobWoods1@Hotmail.com. Is that still okay for documentation? Yep. That's fine. Awesome. So I'll pop that through to you now. Now for the review today, I've got some updated information on the super certificate of currency for your insurances coming through and just some updated financial services guide with Oakview. Yep. Now is there anything in particular that you wanna focus on for this year's review? Not really. No. Just how it's going, I guess. Perfect. Just a bit of a general update. Yeah. And I did Yes. have a bit of a note there that you were trying to look at some super for your daughter, I believe, going I through was. I've early I've employment. talked to I've now set her up with Australian Super. Amazing. Yeah. So I'll do that for a bit, I think, until she gets some money behind her.","start_word":77,"end_word":331,"sentiment":"neutral","sentiment_score":0.08462440044272179},{"text":"Yeah. That's a pretty good pretty good idea. Normally, for people's first job, first super, it's really good to get that kind of low fee industry fund to start with to build up their first Yes.","start_word":332,"end_word":367,"sentiment":"positive","sentiment_score":0.4897946417331696},{"text":"50 to 80,000. And it Yes. just means that they've got a bit of a chance for those early contributions to actually grow before they do anything fancy after that. Yep.","start_word":368,"end_word":398,"sentiment":"neutral","sentiment_score":0.29471391439437866},{"text":"Perfect.","start_word":399,"end_word":399,"sentiment":"positive","sentiment_score":0.5564063787460327},{"text":"Now I'm just having a quick look about some of these details I need to update on our new system, Bob. But goals wise, I do have here that we're looking to try and retire as early as possible towards age 60, which is when you Yeah. can access your super. Does that still sound correct? Yeah. At this stage, I'd yeah. I'm just sort of seeing where where I'm at, that's all, when I get to there. Yeah. Absolutely. And then whether we have to kind of delay things for a year or two, we'll just wait until we've got enough funds there or even go Yes. part time. There's always options to slow things down as well. Yep. Yeah. Now one of the things that I found interesting there was that we're trying to retire with as much as possible, but there was an early goal when you came on board that your partner might not have very much in super, and you guys wanna kind of rely on your funds. Does that still sound to be a priority for you guys? Yeah. Yep. Cool. So whenever I do any retirement analysis, we'll try and factor in as much as we can how to get yours into a position to fund for the both of you. Yep. Now assets and liabilities wise, we did have, like, a a main resonance valued at about a million dollars with just under 500,000 owing on the mortgage. Has that changed a lot? No. That's the same.","start_word":400,"end_word":654,"sentiment":"neutral","sentiment_score":0.07801982760429382},{"text":"Perfect.","start_word":655,"end_word":655,"sentiment":"positive","sentiment_score":0.37459051609039307},{"text":"So would you say that kind of the main focus is get that paid off as much as possible and then retire with, you know, the mortgage paid off in the super combined, or what would you think? Yeah. Probably. I would say that's the way we'll go. Yep. And last time we checked, you did have a car and a truck and about 50,000 in savings, liquid cash. Is that Mhmm. pretty close to the mark as well? We've got, yeah, the car and the trucks and another truck. Yep. And now that the savings have reduced because we put that money into our home Yeah. You're doing some and renovations. do some renovations. Yeah. And is that all finished now? Would you start a few more things to We do around still got the place? a couple couple of things to finish off, like flooring and a bit of the kitchen and stuff like that. Gotcha. Gotcha. Yeah. That we're still waiting waiting to finish, but, yeah, it's getting there. How much do you think that's gonna end up costing? I know materials have gone up a bit. We're probably looking at another 15, I think. 15,000 on that by the time that's all completed.","start_word":656,"end_word":862,"sentiment":"neutral","sentiment_score":0.0739903673529625},{"text":"We're Amazing.","start_word":863,"end_word":864,"sentiment":"positive","sentiment_score":0.4751867353916168},{"text":"nearly we're nearly finished with the house. It's just basically the flooring, just the kitchen. Like, we've gotta change where our air con is, you know, that Yeah. type of thing, and and just finish off those bits and pieces in there. So, yeah, it's not an awful lot to do, but still Perfect.","start_word":865,"end_word":918,"sentiment":"neutral","sentiment_score":0.1157875582575798},{"text":"Thank you for that.","start_word":919,"end_word":922,"sentiment":"positive","sentiment_score":0.6290922164916992},{"text":"And the last two details I wanted to update with you is just in terms of the two trucks. Would you have a combined resale value on the top of your head there? I think the first truck was about some. 20,000. Yeah. We probably I'd probably say $30.35. Yep. And in terms of the savings, how much has that gone down to in terms of emergency fund for you guys from Oh, a fair bit, actually. the We probably got about 10,000 left in that savings just to Yep. yeah. Yeah.","start_word":923,"end_word":1014,"sentiment":"neutral","sentiment_score":0.052889520950291466},{"text":"That paints But a not good picture, sort so of you've finishing.","start_word":1015,"end_word":1026,"sentiment":"negative","sentiment_score":-0.532881498336792},{"text":"got to kind of build it back up a little bit. Yeah. We're trying to build that up a bit more before we finish off the house. Okay. And with the savings, are you able to put aside, like, a set amount every week to go towards building the savings, or how's the budgeting going? Not so much at the moment because my husband's just he'd had to have five weeks off like he was working. He had, like, his regular casual job that he was doing Yep. as a contractor, and then they put him off just suddenly. So we he had about five weeks where he was sort of really not had a whole lot of work, but he's now gone into something that, you know, he he now has that. So it's put us behind a Yeah. little bit. Yep. Yeah. So we're just trying to build that back up now from now.","start_word":1027,"end_word":1182,"sentiment":"neutral","sentiment_score":-0.09570787101984024},{"text":"Perfect. Perfect.","start_word":1183,"end_word":1184,"sentiment":"positive","sentiment_score":0.4256538152694702},{"text":"So So settle into yeah. the position, build up the savings again. Yeah. Yeah. And, Bob, I wanted to update too in terms of the occupation there. We had you earning about 60,000 as a bit of an admin officer. Has your Mhmm. role changed very much? No. Not really. Perfect. Who's that for again in terms of employer? So I work for the Department of Education yeah. The Department of Education. And I also work for a not for profit preschool, Wares Creek Preschool. That's what I was noticing because there's two different contributions coming through. Yeah. Yeah. So one is The one government's is from the a bit department. higher. Yep. Yeah. And one's a yeah. That And one. that's Sorry. Wares Creek preschool, Yep. not for profit. Mhmm. Now just quickly, in terms of your income, are they pretty well equally weighted? Like, is it fifty fifty between where you get the income from, or is No. one a Not bit more than the other? no. One's a bit higher. So the one I work three days for the department and two days for the other place. Gotcha. So, Okay. yeah, that's where it's Profit.","start_word":1185,"end_word":1382,"sentiment":"neutral","sentiment_score":0.00817624425910639},{"text":"Perfect. That's what I needed.","start_word":1383,"end_word":1387,"sentiment":"positive","sentiment_score":0.5644252896308899},{"text":"And in terms of family, we just had you obviously married with two dependent children at the time. That's correct.","start_word":1388,"end_word":1407,"sentiment":"neutral","sentiment_score":0.11914701014757156},{"text":"Yes. Amazing.","start_word":1408,"end_word":1409,"sentiment":"positive","sentiment_score":0.4703078269958496},{"text":"And you didn't end up getting a, like, a will or a power of attorney in place? Not yet. No. We've had a few things going on. So, I can imagine. Absolutely. yeah, it's It's just been a bit everyone's busy just for trying to us. get by at the moment. Yeah. Yeah. We've been really busy too with things, so we've sort of yeah. It's just been yeah. It's been crazy. No. That's fine. I just wanted to check with you today if you wanted me to send through some forms for your super beneficiary to get that updated on Hub since remember we changed you over from Netwealth to Hub. I think we still needed to list somebody on the super there if it would be easy for me to kind of put together some prefilled forms for you just to make it a bit easier. Yeah. Righto. Yep. When it comes to the beneficiary nominations of who it goes to, is it just going to your partner? Or Yeah. I'll just put it to my husband at this stage because the kids are a bit too young. yeah. And that's the thing is when you nominate someone 18, whoever becomes their guardian kind of controls the funds on their behalf as well. Yes. Hey, Bob. Do you have a preference between in terms of the nominations, you can make it that it expires every three years to kind of force people to check them, or you can make it continuous, which is a non lapsing. It doesn't change unless you decide I'll to do change it it. for every three years, I think, just so Yeah. we can Yep.","start_word":1410,"end_word":1691,"sentiment":"neutral","sentiment_score":0.019169858002916297},{"text":"That's good.","start_word":1692,"end_word":1693,"sentiment":"positive","sentiment_score":0.6765052080154419},{"text":"keep up Bit to of date a refresher. on it. Yeah. Absolutely. Not that it'll probably And won't change, but, you know, yeah. it's probably better to to just do a double check.","start_word":1694,"end_word":1726,"sentiment":"neutral","sentiment_score":0.1260356456041336},{"text":"Amazing. And we'll obviously bring it up during the reviews as well just to make sure that you're still happy with it.","start_word":1727,"end_word":1748,"sentiment":"positive","sentiment_score":0.5931237936019897},{"text":"And if there's any Yep. changes that need to be done, You can make it legally binding so the super fund has to do it, or it's a bit of a strange question, but you can make it non legally binding so the super fund has a bit of discretion there. Do you have Yep. a preference between those? I know it's a bit of a silly question. Yeah. I'll probably do it binding, I think, just Yeah. so it's all right. Yeah. In that way, there's no issues when it goes through the legal Yes. system. It's pretty Yes. straightforward. So what I'll do is I'll get those details in there. Would it be easier for you to because normally with those beneficiaries, we send them out. You can either get them via email and print them, or we can just post them out to you with a return envelope. What would be easier? Probably print them out and send them to me. Because then Yep. I'll yeah. I'm able to do that then. I'll just yeah. Otherwise, it just gets a bit you know, it it You gets can get clogged lost up in in the my day to emails day. and it gets lost. Yeah. Yeah. And with those forms too, do you want me to add your partner's details on the forms for you, like, refilled it, or are you happy to add those in? I can just add those in when it comes. That's fine.","start_word":1749,"end_word":1998,"sentiment":"neutral","sentiment_score":0.07036662846803665},{"text":"Perfect.","start_word":1999,"end_word":1999,"sentiment":"positive","sentiment_score":0.5364184975624084},{"text":"We'll always send you, like, a bit of an instruction cover letter anyway just to make sure you get people to witness it and that kind of thing. But Yep. if you have any questions, just call the team, and they can walk you through it in two seconds Yep. flat. Yep.","start_word":2000,"end_word":2051,"sentiment":"neutral","sentiment_score":0.080907441675663},{"text":"No problem. Perfect.","start_word":2052,"end_word":2054,"sentiment":"positive","sentiment_score":0.49466586112976074},{"text":"Now just swinging over to the super there for that update. Have you been logging in to Hub to have a look every now and then or just waiting for the reviews? I'm just waiting for the reviews at the moment. Yep. Now there's a few changes that have happened. So I wanna just kind of paint the picture a little bit because the market's obviously been going a bit crazy since the Yep. war broke out and everything, but you had Yep. some changes where Dana switched you from Netwealth to Hub, got you a bit of an updated portfolio. Does that ring a bell? Mhmm. Yeah. Yep. Yep.","start_word":2055,"end_word":2164,"sentiment":"neutral","sentiment_score":0.07647009938955307},{"text":"So the change from Netwealth to Hub, that's definitely been a good move for you. The fees have been a lot lower in terms of the Mhmm.","start_word":2165,"end_word":2191,"sentiment":"positive","sentiment_score":0.44790250062942505},{"text":"admin fees and the investment fees.","start_word":2192,"end_word":2197,"sentiment":"neutral","sentiment_score":0.2682322859764099},{"text":"That's really good.","start_word":2198,"end_word":2200,"sentiment":"positive","sentiment_score":0.6550101041793823},{"text":"And when I was looking at the portfolio that you were in, given everything that's happened in the market, it would have been a bit negative had you Alright. stayed in it. But the one Mhmm. that she's put you in, it's kind of bounced up into the positive for the year.","start_word":2201,"end_word":2252,"sentiment":"neutral","sentiment_score":0.004370040260255337},{"text":"Oh, good. That's six or 7% in growth on top of your contributions. Excellent.","start_word":2253,"end_word":2266,"sentiment":"positive","sentiment_score":0.3544774353504181},{"text":"Now that's a tiny bit below the benchmark that we want long term because, obviously, Yes. every seven years, the market grows and then it crashes because of the world events. We don't wanna be under 10% for more than maybe one or two years Yep. per seven. Does that make sense? So one of the things that she did was she reduced your allocation to a fund called Benelon, Yep. which Right.","start_word":2267,"end_word":2339,"sentiment":"neutral","sentiment_score":-0.13644276559352875},{"text":"that's been the only one that's been negatively performing.","start_word":2340,"end_word":2348,"sentiment":"negative","sentiment_score":-0.43435561656951904},{"text":"The rest of them have all been pretty well in the double digits.","start_word":2349,"end_word":2361,"sentiment":"neutral","sentiment_score":0.0687025636434555},{"text":"Very, very strong growth across Yep.","start_word":2362,"end_word":2367,"sentiment":"positive","sentiment_score":0.4917058944702149},{"text":"all other seven options. Mhmm. But that been a long one, that one's been dragging its feet a little bit. You used to have 30% in there. Now you've got 10, which is really Right. good because Yep. your other option that you put in has actually grown twice as much.","start_word":2368,"end_word":2418,"sentiment":"neutral","sentiment_score":-0.0009298177901655436},{"text":"Well, that's great.","start_word":2419,"end_word":2421,"sentiment":"positive","sentiment_score":0.4350912570953369},{"text":"Okay? I'm gonna put a flag on that one, though, because if that doesn't pick up its feet by the end of the year, I probably would like to switch it out for Mhmm. a different option potentially. Yep. Okay? At this point, though, what I really wanted to check with you, Barb, is you're trying to grow your super to fund for both of you guys, Mhmm. but your preservation age is in nine years. Mhmm. And, normally, high growth, you wanna have about nine to ten years under your belt because of those market movements. You don't wanna be a day from retirement in high risk, and then you lose half your super. Do you know what I Yeah. Yeah. So what I wanted to check with you is because we're still focused so much on growth right now, are you okay Mhmm. with that roller coaster ride for it to be going up and down so much to get that growth and then protect it later, or should we be talking about reducing the risk a little bit? Well, yeah. I wanna get as much as I can, but I don't wanna lose it either. So So the way that usually plays out is, let's say, in the next nine years, you're expecting seven years where the market grows, two years where the market goes down. If that happens this year, next year, that's actually kind of a good thing because we can use it as a buying opportunity to kind of buy into all of the shares and property gold when they go down. We don't Yep. want that to happen when you're three years from retirement. Yeah. So it's probably better to keep as is for just the moment. So, yeah, it's gonna be a little bit of, like, a hold on to your harness in the roller coaster because what we're Yeah. basically doing is we need to get you enough growth to fund the retirement. Yes. But then what we normally do is in those last seven years, we slowly reduce your risk level down, like, Yes. once every three years. So instead of 90% shares in property, we go eighty, seventy, sixty, fifty, forty, and just kinda gradually step you down in the lead up, if that makes sense. So what we're gonna be doing every year is we're gonna do pretty close review Yep. where if you've Mhmm. gotten a really strong year, then we might reduce your risk level down. If it's dropped a little bit, we're gonna wait for the growth to occur. Yep. Because Is I that may okay even for work you? beyond 60 yet. I don't know. So That's what I'm thinking because we don't wanna just call it quits too early because yeah. No. this is where you make More that last than likely, little bit I of will growth. be working beyond 60. Yeah. So are you okay Okay. to if we need to go 62 just so we've got the extra couple of years to get Yeah. the growth out of it? Yep.","start_word":2422,"end_word":2941,"sentiment":"neutral","sentiment_score":0.03139139993044619},{"text":"Perfect. Perfect.","start_word":2942,"end_word":2943,"sentiment":"positive","sentiment_score":0.484803169965744},{"text":"Yep. So I'll probably be gonna be working for as long as So, I can at this stage yeah, and just just to be able to have the freedom to slow yeah. down Yeah. when you've If got I want enough to. there. Yeah. Yeah. Yep. I'm with you. When I want to. Yep. So our main focus at the moment will be just keeping a very close eye on the portfolio. And then Yep. every review, just talking to you about when we slowly reduce the risk down, we're gonna Yep. kind of time it each year with you. Yep. Okay?","start_word":2944,"end_word":3045,"sentiment":"neutral","sentiment_score":0.17501555120243745},{"text":"So I'm not gonna change super funds now. We're not gonna really I'll put a flag on that option for the end of Mhmm.","start_word":3046,"end_word":3069,"sentiment":"negative","sentiment_score":-0.34914925694465637},{"text":"the year, Yep. and we'll just kind of keep trying to get that growth out of it. Yes. Yep. The other thing too is just in terms of fees, you do Mhmm. have the life and TPD insurance coming out of the super as well. That 250,000 worth of life and disability insurance. Does that ring a bell? Yep. Now this one's not too bad. Normally, I'd expect it to be a little bit more, but it's sitting at $662. Last time I checked it, I think it was 500. So it hasn't jumped up astronomically. It hasn't doubled to a thousand dollars or anything like that. Mhmm. Yeah. But I do just wanna check it with you because, obviously, that will chop off half of the mortgage. Is that too little in terms of insurance? Is that too much? Are you do you still value them?","start_word":3070,"end_word":3216,"sentiment":"neutral","sentiment_score":-0.09364798665046692},{"text":"Well, when it comes to the life insurance type thing, I can't we've looked at changing that before, but because I have rheumatoid arthritis, it's it's not gonna I'm not gonna be able to change it.","start_word":3217,"end_word":3252,"sentiment":"negative","sentiment_score":-0.33380454778671265},{"text":"Yeah. There's no point, like, trying to change providers if they can't give you that replacement cover, so No. we've They got to kind of keep the Ascender one. can't. Because yeah. I got I had I was diagnosed after I set it up. Yeah. So they said to, you know, like, the thing has been to sort of leave it because we have we have looked at it.","start_word":3253,"end_word":3321,"sentiment":"neutral","sentiment_score":-0.26429134607315063},{"text":"But because I now have this diagnosis, they, you know, it's not sorta an option for me. And that'll make it trickier to increase as well.","start_word":3322,"end_word":3347,"sentiment":"negative","sentiment_score":-0.44418486723533046},{"text":"Like, if we were trying to make it higher to cover the full mortgage, they probably Yeah. wouldn't Yeah. do I that don't think increase it's gonna either. happen. No. Yep. So Yep. for now, let's just sort of keep it going as long as it becomes affordable. And then if it becomes unaffordable, we'll talk about when we start to trim it down. Yeah. Yep. Okay.","start_word":3348,"end_word":3414,"sentiment":"neutral","sentiment_score":-0.11431846022605896},{"text":"Perfect. Perfect.","start_word":3415,"end_word":3416,"sentiment":"positive","sentiment_score":0.525023877620697},{"text":"Alright. So I'll put another little flag on there just to make sure that every time you get that anniversary, we'll keep an Yep. eye on those premiums there. Because once you hit the the fifties, it can go up quite quickly. And I've seen some people where, you know, a thousand dollars becomes $8,000 in a matter Yeah. of five or six And years. that So that kinda happened with my husband. It took, like, I don't know how it worked, but, you know, the super he did have all was taken because of, you know, some choices Premium that were made is going or up. some advice that we were given. Yeah. And the premiums just went sky high, and they just paid it. And it just took all of his super. See, that's where I wanna be a little bit different with Oakview. We wanna keep an eye on Yeah. this because while it's nice to have that there to cover as much of the mortgage as possible, if it starts jumping up to $34,000, we're gonna have to have that conversation about how much is too much. Yeah. Exactly. And we don't wanna Yep. fall into that again. So Yep. 662 is not too bad at the moment, but we'll keep a close eye on it. And the next Yeah. anniversary until May of next year. Yep. And then we'll check it then.","start_word":3417,"end_word":3653,"sentiment":"neutral","sentiment_score":-0.005057216621935368},{"text":"Perfect.","start_word":3654,"end_word":3654,"sentiment":"positive","sentiment_score":0.33645179867744446},{"text":"Okay. Yeah. So we'll stay high growth. We'll keep the portfolio going within Hub for the time being. I'll Mhmm. have another chat with you about the investments and the risk level on our next review. Do you prefer to do a bit more contact throughout the year? We can do six monthly or quarterly, or do you just prefer that twelve month annual review? I think the twelve months is probably okay at the moment. Yep. No worries. So if anything does pop up in between, any concerns or anything you would like to talk to us about, please Yeah. just call through and Yep. book in the chat, but we'll keep an eye on things. And then at that review, we'll have that next risk discussion as well. Yep.","start_word":3655,"end_word":3785,"sentiment":"neutral","sentiment_score":0.09787690212935891},{"text":"Okay. Perfect. Sounds So good.","start_word":3786,"end_word":3790,"sentiment":"positive","sentiment_score":0.5138019323348999},{"text":"at the moment, I'll send out those beneficiary forms, get those sorted with you. There's that reminder just when life does slow down a little bit. If it does, we'll get the will and everything organized. But for now, there's a lot to do in terms of Mhmm. the Yes. renovation, savings, Yes. and the mortgage. Yes.","start_word":3791,"end_word":3847,"sentiment":"neutral","sentiment_score":0.08629927784204483},{"text":"Cool.","start_word":3848,"end_word":3848,"sentiment":"positive","sentiment_score":0.3418278694152832},{"text":"Bob, the other thing that's in that review pack with you, so you've got the super, the insurance, the financial services guide. We've included the updated service agreement with you as well. So in order to remain advisers, we do need you to sign off on consent for us to be on your account to be able to make the changes and look after things. I just Yes. wanted to ask you if you were still happy with our services. Yes.","start_word":3849,"end_word":3929,"sentiment":"neutral","sentiment_score":0.1495893895626068},{"text":"Nice. Happy with Cool. your service.","start_word":3930,"end_word":3935,"sentiment":"positive","sentiment_score":0.5629215240478516},{"text":"Yeah. Now just a bit of a heads up. So the fees haven't changed this year. It's still the Mhmm. 1.5% capped at 600,000, but we will be bringing in a bit of a tiered structure soon so that Mhmm. once you go above 200,000, they'll start to be discounts applied next year. So Right. we're just trying to step things down for people as they get to a higher balance. Yep. Okay. K? So this one will be the same. The next one, there should be some discounts there. But when we get Mhmm. that next financial services guide, we'll send that through to you as well. Yep.","start_word":3936,"end_word":4044,"sentiment":"neutral","sentiment_score":0.05128979305266787},{"text":"Sounds good. Amazing.","start_word":4045,"end_word":4047,"sentiment":"positive","sentiment_score":0.7485862970352173},{"text":"Any questions for me before I let you go? No. No. I think I'm pretty good.","start_word":4048,"end_word":4063,"sentiment":"neutral","sentiment_score":0.2005820125341415},{"text":"Amazing, Bob. Well, thank you so much for your time.","start_word":4064,"end_word":4073,"sentiment":"positive","sentiment_score":0.706494152545929},{"text":"If you can Thank have a you. look at that email when you get a chance, we will post out that pack. And, again, any questions, just call back. Yep. No worries.","start_word":4074,"end_word":4105,"sentiment":"neutral","sentiment_score":0.23565058410167697},{"text":"Thank you so Thank you, Bob. Have a fantastic much. day. You too. Thank you. See you later.","start_word":4106,"end_word":4123,"sentiment":"positive","sentiment_score":0.6107251048088074},{"text":"Bye. Bye.","start_word":4124,"end_word":4125,"sentiment":"neutral","sentiment_score":0.19765804708004}],"average":{"sentiment":"neutral","sentiment_score":0.05271076806674699}}}}