{"metadata":{"transaction_key":"deprecated","request_id":"019ddbc1-0e05-75f2-b4cf-39ab3d7e957c","sha256":"e079fb983744f4720a8d9f1dd4253fc128fd229ecab2e79e2fffe4438767e2cc","created":"2026-04-30T00:23:04.911Z","duration":1020.0239,"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":3317,"output_tokens":116},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3680,"output_tokens":3688},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3680,"output_tokens":576}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Lauren. It's Tommy here, senior adviser from. How are you doing? Good to hear. Good to hear. I'm just giving you a call to go through your annual review. Amazing. Before I get started, I've got an annual review pay for this call to be recorded. Perfect. And just for the security of your information, so I'm registered with Asic as adviser one two seven three one zero five. We don't have a security question on file. Are you okay to confirm your date of birth and address, please? Yep. Perfect. Thank you so much for that, Lauren. I'm gonna pop this through to your Yahoo email address. Are you okay to look on to the documents with me today, or would you like me just to walk you through what's there? Yep. No worries at all. I'll pop that through just so you have it. Just with our new system, we've got a new CRM, and it might come through to your spam box rather than your main inbox for the first one, just with the old email filtering. Now I'm gonna go through and just briefly update some of the details that we have on file just to make sure the new system is accurate. Is there anything in particular that you're looking to get out of this year's review? Cool. Just a bit of a general update. Is that okay for you? Okay. Perfect. So I'm just gonna have a quick look through your previous goals. Looks like you did purchase that home that you're looking for, which is fantastic. We did have you listed down looking to get some appliances for the house and save up for some overseas trips. Is that still correct? Okay. We're still going to Ireland in England or Yep. So a bit of a medium term goal, we'll call that one. Do you have any, like, figures in mind? I'm like, get or kind of as much savings as you can and come back to that in a couple years. Awesome. So you're thinking kind of one to three years for the house and then holidays after that? Perfect. I'm just having a look through the details. So mobile, email. Are you okay for us to still use your Yahoo email address? K. We've got Robin, your mother listed as your next of kin. We had you listed as a payroll officer for Frontier Software, earning about I think, yeah, listed 89,692, saving a couple of $100 on week on average. Yep. Awesome. We've got salary sacrificing 200 a month to super. Can I just double check with you? Are you still comfortable with that amount of salary sacrifice? Okay. The home listed last time valued at 371,000 owing about 300,000. Is that pretty close to the mark, or is it kind of fluctuating quite a bit? I know the market's gonna be crazy. For the house value, I think we had it at $371,000. Would that have jumped up a lot? Oh, are you okay for me just to look up on property.com and add an updated value there? K. And the only other assets we had was a motor vehicle and about $5 worth of savings. Is there any other shares, crypto, personal loans, anything like that? Amazing. And we did actually have that you had put in place a a will. Is that correct? K. You just might give a reminder that also maybe put in place, like, a power of attorney, if you remember what that does. That's kind of like the the will is where does everything go when you pass away. Power of attorney is if you're, let's say, in hospital, can't act on your own behalf, can someone actually access the bank accounts to make sure the mortgage is paid? Can they talk to the doctors on your behalf? All that kind of thing. And it just kind of stops everyone from having to go to the courts for probate. Makes it a bit simpler. Sometimes that can take a little while. K. Now just going through the super, do you log in to your hub 24 every now and then to keep an eye on it, or is it more of a just a yearly check? No. That's totally fine. You do have us there to look at it. You've had a pretty pretty strong journey, especially with all that salary sacrifice. I'm looking at your entire history from 2021. You started with about 66,000. You're sitting at a $125.07 $9.07 as of today. You've gone through couple little dips in the market in 2025 and in March just with what was going on in the world out there. You'll notice that when you get that DocuSign pack from us, there'll be a performance report in there that'll show you every investment option that you've got as well as your overall portfolio as well. Now if you recall, Lauren, you're in, like, a growth portfolio, kind of that four out of five on the risk scale, 80% growth assets, shares, and property. Does that ring a bell? K. Now as far as the performance the last twelve months goes, even with the market dropping, when you're in a growth profile, you're kind of aiming for that 9% or above on that. Now one thing I did wanna just quickly raise with you is out of the kind of 10 options that you're in, most of them have been pretty incredible the last twelve months. You've got some battery tech, which is like your electric vehicles. That's gone up about a 109%. Gold and silver going up about a 100%. Your shares up 70%. Everything's been really crazy for twelve months. The only one that's kind of underperformed is your Australian shares in a Bennelong option. Now I'm looking at this through the history of your account, and I would have expected it to have bounced back this year. I know that Benelon had a pretty poor year last year, but it hasn't really bounced back to catch up with the rest of those Australian shares option that are out there. Are you okay for me to look at getting a bit of a replacement option for that one? K. I do have one question for you. There's no wrong answer here. It's really just if you have a strong gut feeling either way. Do you have a preference between going for, like, the lowest fee investments possible, or are you okay with the idea of paying a little bit higher fees to get some higher returns? Do you have a strong link between the two? That's okay? Cool. So you're in kind of a blend at the moment where most of it is low fee, only a little bit is in the active side. We do have some other options I've been researching since New Year's, which I'm gonna compare for you. And then what I'll do is I'll put together a bit of an updated statement of advice just to show you the differences between them. And if you're comfortable with that, we can make a bit of a switch there. Just with the risk level briefly, we did have a pretty good example in March of the market going down and then bouncing back. And I just wanted to quickly let you know how that looks because you are in a growth risk profile. So you went from a 127 down to a 116,000 to call it, like, an 11,000 drop, and then it bounced back 9,000 within two weeks. That's pretty normal in terms of what a growth risk profile tends to fluctuate like. And because it's all percentage returns, it's just gonna be going up and down anywhere between 10 and $30,000 a year based on the returns of the market on top of your contributions, of course. Do you have any concerns there? Are you okay to still focus on trying to grow as much as you can? K. Do you have any inclination to look at going more aggressive with it? You know, going to high growth so you can retire earlier, grow it even faster, or does the sound of high risk kind of make you a bit iffy? Yep. And, look, doing salary sacrifice while being in a growth portfolio kind of has the same effect. So as long as you're still okay to keep doing that kind of 50 a week into your super, you'll still get to a pretty similar outcome as someone who is in a high risk. K. So that's perfect. I'll leave the risk level alone. We'll just give the the old portfolio a bit of an engine tune up, and I'll update some projections for you as well. Last question I had on the super was, do you have a bit of a preference? I know it's a long while away, but between retiring towards age 65, 67 when the age pension kind of kicks in, or do you want to kind of retire as early as possible? Do you have a preference between the two? Yeah. But I guess, we're obviously going to first grow your super as much as we can. As you get close to retirement, we can kind of talk through how long it's gonna last and when a good time to be to protect it and also to access it. So for now, I'll just focus on the growth side. Perfect. Is there anything else on the cards for you in the next three to five years goals wise that we haven't already talked about? Okay. So it's really just fix up the house, maybe a bit of holidays, pay off that mortgage. Are you the type of person, Lauren, to look into investing one day, or are you just happy to have that stable base? That's totally fair. I was looking at your beneficiary nominations. There was a note here that you don't really wanna put in place a beneficiary nomination at this point. Probably just sort out, like, a will and a power of attorney. Did you want me to add anybody on there for the sofa? Okay. If at any point you put in place a will and you want your super to go to your mother, for example, you can actually direct your super towards the will as well. So if you go to do that, whether it's through a solicitor like a courthouse, public trustee of the state, or even a will kit for 25 pucks at the post office, if you do wanna include the super in that, we can fix up a nomination to go in that direction too. So just gonna let us know. K. Last two things for me. You've got a Neos income protection and no life and disability insurance. There's a note here that it's not really that important for you at the moment, mainly just the income protection. Is that right? K. We've got 1,441 per year. It comes out with a expensive. We've got a four week waiting period. So if you're out of work for a month, it'll kick in monthly, and we'll pay you up to five years. Now the one question I have for you, Lauren, is your cover amount, 4,499 a month. So call it $4,500 a month you would get if you're off work. You've got one of those really good 75% policies that just stopped. The government kind of banned it in October 2021, and you got this in place in September, which is great. But it's a little bit below what you could be insured for. So if you base it on your total income, you could have a maximum cover amount of about 5,500 a month. You've got 4,500 a month. My question really is if you're off work for three months, would you be able to survive on that kind of thousand dollars a week? Do you want me to look at a bit of an increased quote? What's your preference? It probably wouldn't cost too much to bump it up a little bit. I'm thinking if it goes from 4,500 to 5,500, it may only go up a couple $100 a year. Do you want me to get a bit of an alteration quote with Niels and just run you through that when I go through the portfolio update? Yeah. No worries at all. I'll put a note down that we'll leave that there, and I'll just put some context in that this is covering base expenses, and we may look at it in twelve months. Alrighty. So outside of giving the old portfolio a freshen up, which will pop up you a couple of weeks with updated plan, is there anything on your end? Any questions for me? Okay. In that pack that's been sent through to you, just to let you know all the documents that are there, it comes through with, like, email attachments and then also that digital authorization link. So the attachments include your certificate of currency for the insurances, your portfolio performance, an updated financial services guide from us with all of our licensing details and so on. And then inside the authorization, there are two important documents. There's a service agreement, but also a tax file number declaration. Now with the tax file number, because of all of the cybersecurity issues of last year, We're trying to remove where we hold that number from all digital systems and just put it on the one document. So I just wanted to double check if you're okay to consent to that. Okay. With the service agreement, are you still comfortable for us to look after your super for the next year? K. With the fees themselves, so we always give an estimate going forward for twelve months including a bit of super growth in there, but it's basically the usual 1.65% that's split into little monthly payments throughout the year. It's not like a lock in contract, but it is a twelve month consent to be listed as advisers so we can still liaise with Pub twenty four and the insurance companies and so on. Do you have any questions on that? Cool. So if you're okay to hop on there when you've got a minute and give that a sign for us. If you have any questions on how that works, if you can draw your signature, that would be better for the providers, but it usually stands on a signature as well. Once we get that back, the team will pretty much be finished their research and updated advice document with me. Okay. Now I appreciate you taking the time this morning. That was a nice and easy review. Only a couple of little things to fix up. Any last questions for me before I let you go and enjoy your your week? Awesome, Thank you so much for your time today. Keep an eye out for our calls. If we miss you, we'll just send you a text and email. Have a fantastic day. Thank you so much. Bye.","confidence":0.9980469,"words":[{"word":"good","start":3.12,"end":3.4399998,"confidence":0.9970703,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.2970111072063446},{"word":"morning","start":3.4399998,"end":3.6799998,"confidence":0.99609375,"punctuated_word":"morning,","sentiment":"neutral","sentiment_score":0.28068697452545166},{"word":"lauren","start":3.6799998,"end":4.0,"confidence":0.99365234,"punctuated_word":"Lauren.","sentiment":"neutral","sentiment_score":0.23908361792564392},{"word":"it's","start":4.0,"end":4.24,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.29651498794555664},{"word":"tommy","start":4.24,"end":4.56,"confidence":0.9863281,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.2085136771202087},{"word":"here","start":4.56,"end":4.7999997,"confidence":0.97021484,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.21106036007404327},{"word":"senior","start":4.7999997,"end":5.2,"confidence":0.97802734,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.19951273500919345},{"word":"adviser","start":5.2,"end":5.52,"confidence":0.8413086,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.23048116266727448},{"word":"from","start":5.52,"end":6.0,"confidence":0.7470703,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.18943531811237335},{"word":"how","start":6.0,"end":6.08,"confidence":0.9902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.22572563588619232},{"word":"are","start":6.08,"end":6.24,"confidence":0.6254883,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2263290733098984},{"word":"you","start":6.24,"end":6.3199997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2171398252248764},{"word":"doing","start":6.3199997,"end":6.8199997,"confidence":0.99902344,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.22365272045135495},{"word":"good","start":8.48,"end":8.72,"confidence":0.9980469,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.6411796808242798},{"word":"to","start":8.72,"end":8.88,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.561102032661438},{"word":"hear","start":8.88,"end":9.04,"confidence":0.98706055,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.4928328096866608},{"word":"good","start":9.04,"end":9.28,"confidence":0.99902344,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.5523690581321716},{"word":"to","start":9.28,"end":9.36,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5594675540924072},{"word":"hear","start":9.36,"end":9.599999,"confidence":1.0,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.5145444273948669},{"word":"i'm","start":9.599999,"end":9.92,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23562924563884735},{"word":"just","start":9.92,"end":10.16,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22340551018714905},{"word":"giving","start":10.16,"end":10.4,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.14713498950004578},{"word":"you","start":10.4,"end":10.559999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12799189984798431},{"word":"a","start":10.559999,"end":10.719999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1572924554347992},{"word":"call","start":10.719999,"end":10.88,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.20137591660022736},{"word":"to","start":10.88,"end":11.04,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22634778916835785},{"word":"go","start":11.04,"end":11.2,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23651370406150815},{"word":"through","start":11.2,"end":11.44,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2940005362033844},{"word":"your","start":11.44,"end":11.679999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31045618653297424},{"word":"annual","start":11.679999,"end":12.0,"confidence":0.99121094,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.24923688173294067},{"word":"review","start":12.0,"end":12.5,"confidence":0.9995117,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.18604090809822085},{"word":"amazing","start":14.705,"end":15.205,"confidence":0.98168945,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.5144909620285034},{"word":"before","start":15.745,"end":16.065,"confidence":0.86865234,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.247398778796196},{"word":"i","start":16.065,"end":16.145,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1594773530960083},{"word":"get","start":16.145,"end":16.305,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16170409321784973},{"word":"started","start":16.305,"end":16.625,"confidence":0.953125,"punctuated_word":"started,","sentiment":"neutral","sentiment_score":0.20112138986587524},{"word":"i've","start":16.625,"end":16.865,"confidence":0.920166,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1451389044523239},{"word":"got","start":16.865,"end":17.185,"confidence":0.9350586,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18607744574546817},{"word":"an","start":17.185,"end":17.345,"confidence":0.6933594,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17515140771865845},{"word":"annual","start":17.345,"end":17.505,"confidence":0.91015625,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.15989196300506592},{"word":"review","start":17.505,"end":18.005,"confidence":0.98095703,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.15832948684692383},{"word":"pay","start":20.225,"end":20.545,"confidence":0.53564453,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1911836564540863},{"word":"for","start":20.545,"end":20.705,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2827250063419342},{"word":"this","start":20.705,"end":20.865,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.25090545415878296},{"word":"call","start":20.865,"end":21.105,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.23522423207759857},{"word":"to","start":21.105,"end":21.185,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3117627203464508},{"word":"be","start":21.185,"end":21.345,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3101564943790436},{"word":"recorded","start":21.345,"end":21.845,"confidence":0.9177246,"punctuated_word":"recorded.","sentiment":"neutral","sentiment_score":0.2733680009841919},{"word":"perfect","start":24.705,"end":25.205,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.43975698947906494},{"word":"and","start":25.65,"end":25.89,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19275955855846405},{"word":"just","start":25.89,"end":26.21,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13457144796848297},{"word":"for","start":26.21,"end":26.369999,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11909988522529602},{"word":"the","start":26.369999,"end":26.45,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18645186722278595},{"word":"security","start":26.45,"end":26.93,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.1961412876844406},{"word":"of","start":26.93,"end":27.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22178423404693604},{"word":"your","start":27.01,"end":27.17,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16347736120224},{"word":"information","start":27.17,"end":27.67,"confidence":0.93603516,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.18890893459320068},{"word":"so","start":27.73,"end":27.97,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.20537169277668},{"word":"i'm","start":27.97,"end":28.13,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1720210313796997},{"word":"registered","start":28.13,"end":28.45,"confidence":0.99902344,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.1765473634004593},{"word":"with","start":28.45,"end":28.69,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19740737974643707},{"word":"asic","start":28.69,"end":29.17,"confidence":0.49328613,"punctuated_word":"Asic","sentiment":"neutral","sentiment_score":0.21918748319149017},{"word":"as","start":29.17,"end":29.33,"confidence":0.95410156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22016608715057373},{"word":"adviser","start":29.33,"end":29.81,"confidence":0.88964844,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.17781268060207367},{"word":"one","start":29.81,"end":30.05,"confidence":0.9873047,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.17214681208133698},{"word":"two","start":30.05,"end":30.21,"confidence":0.9863281,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.16045399010181427},{"word":"seven","start":30.21,"end":30.71,"confidence":0.99902344,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.12237755954265594},{"word":"three","start":30.77,"end":31.09,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.11711153388023376},{"word":"one","start":31.09,"end":31.41,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.15788470208644867},{"word":"zero","start":31.41,"end":31.65,"confidence":1.0,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.19557414948940277},{"word":"five","start":31.65,"end":32.15,"confidence":0.9975586,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":0.18391677737236023},{"word":"we","start":32.37,"end":32.69,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05693112313747406},{"word":"don't","start":32.69,"end":33.01,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.04968862235546112},{"word":"have","start":33.01,"end":33.17,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.046076081693172455},{"word":"a","start":33.17,"end":33.329998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04560130462050438},{"word":"security","start":33.329998,"end":33.829998,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":-0.001993149518966675},{"word":"question","start":33.97,"end":34.47,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.025280296802520752},{"word":"on","start":34.53,"end":34.85,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03335323929786682},{"word":"file","start":34.85,"end":35.33,"confidence":0.9970703,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.05501910299062729},{"word":"are","start":35.33,"end":35.489998,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.025385579094290733},{"word":"you","start":35.489998,"end":35.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04131118953227997},{"word":"okay","start":35.65,"end":35.97,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.032333120703697205},{"word":"to","start":35.97,"end":36.05,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05260824039578438},{"word":"confirm","start":36.05,"end":36.45,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.050263676792383194},{"word":"your","start":36.45,"end":36.61,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03318721428513527},{"word":"date","start":36.61,"end":36.77,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.044123344123363495},{"word":"of","start":36.77,"end":36.85,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05103331059217453},{"word":"birth","start":36.85,"end":37.09,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.05175863206386566},{"word":"and","start":37.09,"end":37.25,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06471793353557587},{"word":"address","start":37.25,"end":37.57,"confidence":0.97631836,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.05107166990637779},{"word":"please","start":37.57,"end":38.055,"confidence":0.9975586,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.06235399842262268},{"word":"yep","start":43.175,"end":43.675,"confidence":0.8400879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022707751020789143},{"word":"perfect","start":48.215,"end":48.614998,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3934629559516907},{"word":"thank","start":48.614998,"end":48.855,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5845034718513489},{"word":"you","start":48.855,"end":49.095,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5878258943557739},{"word":"so","start":49.095,"end":49.335,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5733894109725952},{"word":"much","start":49.335,"end":49.495,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6196719408035278},{"word":"for","start":49.495,"end":49.575,"confidence":0.9326172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6519001722335815},{"word":"that","start":49.575,"end":49.735,"confidence":0.98217773,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.6067122220993042},{"word":"lauren","start":49.735,"end":50.235,"confidence":0.9921875,"punctuated_word":"Lauren.","sentiment":"positive","sentiment_score":0.6224457025527954},{"word":"i'm","start":50.45,"end":50.69,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4181174635887146},{"word":"gonna","start":50.69,"end":51.01,"confidence":0.96777344,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3728688359260559},{"word":"pop","start":51.01,"end":51.25,"confidence":0.9951172,"punctuated_word":"pop","sentiment":"positive","sentiment_score":0.3602043688297272},{"word":"this","start":51.25,"end":51.57,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.37983837723731995},{"word":"through","start":51.57,"end":51.89,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3406924307346344},{"word":"to","start":51.89,"end":52.129997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37540769577026367},{"word":"your","start":52.129997,"end":52.53,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2963297665119171},{"word":"yahoo","start":52.53,"end":53.03,"confidence":0.9863281,"punctuated_word":"Yahoo","sentiment":"neutral","sentiment_score":0.2775382697582245},{"word":"email","start":53.09,"end":53.489998,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2596133053302765},{"word":"address","start":53.489998,"end":53.809998,"confidence":1.0,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.2820647060871124},{"word":"are","start":53.809998,"end":53.969997,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.09004516899585724},{"word":"you","start":53.969997,"end":54.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12207085639238358},{"word":"okay","start":54.21,"end":54.37,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.11134760826826096},{"word":"to","start":54.37,"end":54.449997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15751680731773376},{"word":"look","start":54.449997,"end":54.61,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.137384295463562},{"word":"on","start":54.61,"end":54.85,"confidence":0.5131836,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15945087373256683},{"word":"to","start":54.85,"end":54.93,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17179377377033234},{"word":"the","start":54.93,"end":55.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1539994329214096},{"word":"documents","start":55.09,"end":55.57,"confidence":0.9970703,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1460127979516983},{"word":"with","start":55.57,"end":55.73,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15357550978660583},{"word":"me","start":55.73,"end":56.05,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.27403995394706726},{"word":"today","start":56.05,"end":56.449997,"confidence":0.8713379,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.22286248207092285},{"word":"or","start":56.449997,"end":56.61,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14190685749053955},{"word":"would","start":56.61,"end":56.769997,"confidence":0.9394531,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0950232595205307},{"word":"you","start":56.769997,"end":56.85,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17171156406402588},{"word":"like","start":56.85,"end":57.01,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15843521058559418},{"word":"me","start":57.01,"end":57.17,"confidence":0.96875,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2285442352294922},{"word":"just","start":57.17,"end":57.41,"confidence":0.9633789,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2638757824897766},{"word":"to","start":57.41,"end":57.57,"confidence":0.97509766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2556368410587311},{"word":"walk","start":57.57,"end":57.73,"confidence":0.99902344,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.22538064420223236},{"word":"you","start":57.73,"end":57.89,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23956997692584991},{"word":"through","start":57.89,"end":58.21,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23326349258422852},{"word":"what's","start":58.21,"end":58.53,"confidence":0.84155273,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.18804189562797544},{"word":"there","start":58.53,"end":59.03,"confidence":0.9970703,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.13649404048919678},{"word":"yep","start":66.465,"end":66.865,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0030847801826894283},{"word":"no","start":66.865,"end":67.025,"confidence":1.0,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.030915625393390656},{"word":"worries","start":67.025,"end":67.345,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.007651917636394501},{"word":"at","start":67.345,"end":67.505,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.001959636807441711},{"word":"all","start":67.505,"end":67.905,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.04658403992652893},{"word":"i'll","start":67.905,"end":68.145,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07001207768917084},{"word":"pop","start":68.145,"end":68.384995,"confidence":0.9970703,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.08326131105422974},{"word":"that","start":68.384995,"end":68.545,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03759819641709328},{"word":"through","start":68.545,"end":68.865,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05559389665722847},{"word":"just","start":68.865,"end":69.104996,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04822544381022453},{"word":"so","start":69.104996,"end":69.265,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03775191307067871},{"word":"you","start":69.265,"end":69.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.053351156413555145},{"word":"have","start":69.505,"end":69.665,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07764868438243866},{"word":"it","start":69.665,"end":70.165,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.03623656928539276},{"word":"just","start":70.625,"end":70.865,"confidence":0.75439453,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.02246187254786491},{"word":"with","start":70.865,"end":71.104996,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03523966670036316},{"word":"our","start":71.104996,"end":71.265,"confidence":0.96533203,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.00827152281999588},{"word":"new","start":71.265,"end":71.424995,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.006029337644577026},{"word":"system","start":71.424995,"end":71.744995,"confidence":0.99365234,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":-0.018402624875307083},{"word":"we've","start":71.744995,"end":71.985,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.02632993087172508},{"word":"got","start":71.985,"end":72.145,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02281232178211212},{"word":"a","start":72.145,"end":72.305,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02995850332081318},{"word":"new","start":72.305,"end":72.705,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.03210754692554474},{"word":"crm","start":72.705,"end":73.205,"confidence":0.90771484,"punctuated_word":"CRM,","sentiment":"neutral","sentiment_score":-0.0577985942363739},{"word":"and","start":73.265,"end":73.505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08530685305595398},{"word":"it","start":73.505,"end":73.665,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07260134071111679},{"word":"might","start":73.665,"end":73.905,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.07111936807632446},{"word":"come","start":73.905,"end":74.225,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.06419399380683899},{"word":"through","start":74.225,"end":74.384995,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10286571830511092},{"word":"to","start":74.384995,"end":74.545,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13093847036361694},{"word":"your","start":74.545,"end":74.865,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1130918115377426},{"word":"spam","start":74.865,"end":75.185,"confidence":0.91845703,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":-0.08595295250415802},{"word":"box","start":75.185,"end":75.585,"confidence":0.9838867,"punctuated_word":"box","sentiment":"neutral","sentiment_score":-0.13578367233276367},{"word":"rather","start":75.585,"end":75.905,"confidence":0.9902344,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.1004539281129837},{"word":"than","start":75.905,"end":76.064995,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0920647829771042},{"word":"your","start":76.064995,"end":76.225,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0964403674006462},{"word":"main","start":76.225,"end":76.384995,"confidence":0.9970703,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.07531075179576874},{"word":"inbox","start":76.384995,"end":76.784996,"confidence":0.9951172,"punctuated_word":"inbox","sentiment":"neutral","sentiment_score":-0.06077421456575394},{"word":"for","start":76.784996,"end":76.945,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04309607297182083},{"word":"the","start":76.945,"end":77.024994,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01648249849677086},{"word":"first","start":77.024994,"end":77.265,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.02097168192267418},{"word":"one","start":77.265,"end":77.76,"confidence":0.74609375,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.010446980595588684},{"word":"just","start":77.840004,"end":78.08,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.023355655372142792},{"word":"with","start":78.08,"end":78.16,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0792960524559021},{"word":"the","start":78.16,"end":78.240005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0734642818570137},{"word":"old","start":78.240005,"end":78.740005,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.0934777855873108},{"word":"email","start":78.8,"end":79.3,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.09292075037956238},{"word":"filtering","start":79.6,"end":80.1,"confidence":0.99658203,"punctuated_word":"filtering.","sentiment":"neutral","sentiment_score":-0.1133120208978653},{"word":"now","start":80.96,"end":81.46,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.03423081710934639},{"word":"i'm","start":81.840004,"end":82.0,"confidence":0.9909668,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.00780187314376235},{"word":"gonna","start":82.0,"end":82.32,"confidence":0.91748047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02313697524368763},{"word":"go","start":82.32,"end":82.560005,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02239319309592247},{"word":"through","start":82.560005,"end":83.060005,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.014978840947151184},{"word":"and","start":83.28,"end":83.44,"confidence":0.9194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.001299683004617691},{"word":"just","start":83.44,"end":83.68,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.001546621322631836},{"word":"briefly","start":83.68,"end":84.0,"confidence":0.99902344,"punctuated_word":"briefly","sentiment":"neutral","sentiment_score":0.011774368584156036},{"word":"update","start":84.0,"end":84.32,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.007344882935285568},{"word":"some","start":84.32,"end":84.560005,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0003231465816497803},{"word":"of","start":84.560005,"end":84.64,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011985085904598236},{"word":"the","start":84.64,"end":84.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02020788192749023},{"word":"details","start":84.8,"end":85.200005,"confidence":0.9819336,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.02604997530579567},{"word":"that","start":85.200005,"end":85.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02832121774554253},{"word":"we","start":85.36,"end":85.520004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02400529384613037},{"word":"have","start":85.520004,"end":85.76,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0171821266412735},{"word":"on","start":85.76,"end":86.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.014681190252304075},{"word":"file","start":86.0,"end":86.32,"confidence":0.99609375,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.018633075058460236},{"word":"just","start":86.32,"end":86.560005,"confidence":0.96875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.031095273792743683},{"word":"to","start":86.560005,"end":86.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030795536935329437},{"word":"make","start":86.64,"end":86.8,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04272665083408356},{"word":"sure","start":86.8,"end":87.04,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06617564707994461},{"word":"the","start":87.04,"end":87.200005,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08365115523338318},{"word":"new","start":87.200005,"end":87.36,"confidence":0.99316406,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.10986383259296416},{"word":"system","start":87.36,"end":87.840004,"confidence":0.99902344,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.06985687464475632},{"word":"is","start":87.840004,"end":88.0,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10469812154769896},{"word":"accurate","start":88.0,"end":88.5,"confidence":1.0,"punctuated_word":"accurate.","sentiment":"neutral","sentiment_score":0.04840541630983353},{"word":"is","start":88.880005,"end":89.12,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.007682278752326965},{"word":"there","start":89.12,"end":89.36,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.002751663327217102},{"word":"anything","start":89.36,"end":89.76,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.0004226267337799072},{"word":"in","start":89.76,"end":90.0,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02113426849246025},{"word":"particular","start":90.0,"end":90.48,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":-0.01758139580488205},{"word":"that","start":90.48,"end":90.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02328328788280487},{"word":"you're","start":90.56,"end":90.8,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03276696801185608},{"word":"looking","start":90.8,"end":91.04,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.03516119346022606},{"word":"to","start":91.04,"end":91.200005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0380607470870018},{"word":"get","start":91.200005,"end":91.36,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04805687442421913},{"word":"out","start":91.36,"end":91.44,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.01692219078540802},{"word":"of","start":91.44,"end":91.600006,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.003818824887275696},{"word":"this","start":91.600006,"end":91.840004,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.004844583570957184},{"word":"year's","start":91.840004,"end":92.08,"confidence":0.99902344,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":-0.0002589325304143131},{"word":"review","start":92.08,"end":92.58,"confidence":0.99902344,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":-0.004041967913508415},{"word":"cool","start":96.145,"end":96.385,"confidence":0.8312988,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":-0.019688116386532784},{"word":"just","start":96.385,"end":96.545,"confidence":0.9980469,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.05436411872506142},{"word":"a","start":96.545,"end":96.625,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.018117446452379227},{"word":"bit","start":96.625,"end":96.785,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02694794535636902},{"word":"of","start":96.785,"end":96.865,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04148982837796211},{"word":"a","start":96.865,"end":96.945,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02316739782691002},{"word":"general","start":96.945,"end":97.185,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.019941918551921844},{"word":"update","start":97.185,"end":97.505,"confidence":0.7130127,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":0.01959017477929592},{"word":"is","start":97.505,"end":97.585,"confidence":0.5805664,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03864585608243942},{"word":"that","start":97.585,"end":97.745,"confidence":0.5126953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09785281866788864},{"word":"okay","start":97.745,"end":97.905,"confidence":0.9980469,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.07458394765853882},{"word":"for","start":97.905,"end":98.065,"confidence":0.9790039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0350722000002861},{"word":"you","start":98.065,"end":98.565,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.028327494859695435},{"word":"okay","start":100.945,"end":101.345,"confidence":0.95751953,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1047811210155487},{"word":"perfect","start":101.345,"end":101.845,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.21100687980651855},{"word":"so","start":101.985,"end":102.145,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16812005639076233},{"word":"i'm","start":102.145,"end":102.385,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2348274439573288},{"word":"just","start":102.385,"end":102.545,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2559017539024353},{"word":"gonna","start":102.545,"end":102.785,"confidence":0.92089844,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.24009552597999573},{"word":"have","start":102.785,"end":102.865,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2103481888771057},{"word":"a","start":102.865,"end":102.945,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20622381567955017},{"word":"quick","start":102.945,"end":103.185,"confidence":0.99902344,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2125096470117569},{"word":"look","start":103.185,"end":103.425,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19522860646247864},{"word":"through","start":103.425,"end":103.665,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2387486845254898},{"word":"your","start":103.665,"end":103.905,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25229746103286743},{"word":"previous","start":103.905,"end":104.305,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.2039516121149063},{"word":"goals","start":104.305,"end":104.73,"confidence":0.9807129,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.18012815713882446},{"word":"looks","start":104.810005,"end":104.97,"confidence":0.9941406,"punctuated_word":"Looks","sentiment":"neutral","sentiment_score":0.23540253937244415},{"word":"like","start":104.97,"end":105.130005,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2870987057685852},{"word":"you","start":105.130005,"end":105.21001,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30942779779434204},{"word":"did","start":105.21001,"end":105.69,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.24313221871852875},{"word":"purchase","start":105.69,"end":106.19,"confidence":0.9970703,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.32913821935653687},{"word":"that","start":106.33,"end":106.57,"confidence":0.9951172,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3948909044265747},{"word":"home","start":106.57,"end":106.810005,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.3142032027244568},{"word":"that","start":106.810005,"end":106.89,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2882969081401825},{"word":"you're","start":106.89,"end":107.130005,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3442358374595642},{"word":"looking","start":107.130005,"end":107.37,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3760879337787628},{"word":"for","start":107.37,"end":107.61,"confidence":0.9797363,"punctuated_word":"for,","sentiment":"positive","sentiment_score":0.42849022150039673},{"word":"which","start":107.61,"end":107.850006,"confidence":0.99902344,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4640723168849945},{"word":"is","start":107.850006,"end":108.01,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5327503085136414},{"word":"fantastic","start":108.01,"end":108.51,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.4845473766326904},{"word":"we","start":109.53001,"end":109.69,"confidence":0.7182617,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1735529899597168},{"word":"did","start":109.69,"end":110.01,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1570853292942047},{"word":"have","start":110.01,"end":110.090004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.201216384768486},{"word":"you","start":110.090004,"end":110.25,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17062795162200928},{"word":"listed","start":110.25,"end":110.65,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.1990715265274048},{"word":"down","start":110.65,"end":111.05,"confidence":0.8959961,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17013363540172577},{"word":"looking","start":111.05,"end":111.450005,"confidence":0.87597656,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1317463219165802},{"word":"to","start":111.450005,"end":111.950005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17318095266819},{"word":"get","start":112.25,"end":112.490005,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13654114305973053},{"word":"some","start":112.490005,"end":112.990005,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14056459069252014},{"word":"appliances","start":113.450005,"end":113.950005,"confidence":0.99902344,"punctuated_word":"appliances","sentiment":"neutral","sentiment_score":0.15621711313724518},{"word":"for","start":114.25,"end":114.490005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1808644533157349},{"word":"the","start":114.490005,"end":114.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17956720292568207},{"word":"house","start":114.65,"end":114.89,"confidence":0.99902344,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.2156431674957275},{"word":"and","start":114.89,"end":115.130005,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14392811059951782},{"word":"save","start":115.130005,"end":115.37,"confidence":0.9941406,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.16284450888633728},{"word":"up","start":115.37,"end":115.450005,"confidence":0.7944336,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1625109612941742},{"word":"for","start":115.450005,"end":115.61,"confidence":0.47973633,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.188620463013649},{"word":"some","start":115.61,"end":115.93,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.16817492246627808},{"word":"overseas","start":115.93,"end":116.43,"confidence":0.9980469,"punctuated_word":"overseas","sentiment":"neutral","sentiment_score":0.15113066136837006},{"word":"trips","start":116.57001,"end":116.89,"confidence":0.9980469,"punctuated_word":"trips.","sentiment":"neutral","sentiment_score":0.1289980113506317},{"word":"is","start":116.89,"end":117.05,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07622161507606506},{"word":"that","start":117.05,"end":117.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11187395453453064},{"word":"still","start":117.29,"end":117.53,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06014406308531761},{"word":"correct","start":117.53,"end":118.03,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.07785238325595856},{"word":"okay","start":121.055,"end":121.555,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0008941581472754478},{"word":"we're","start":122.335,"end":122.575005,"confidence":0.8886719,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.02246999740600586},{"word":"still","start":122.575005,"end":122.895004,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03712267056107521},{"word":"going","start":122.895004,"end":123.215004,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.02257989346981049},{"word":"to","start":123.215004,"end":123.715004,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00624629482626915},{"word":"ireland","start":124.015,"end":124.515,"confidence":0.42749023,"punctuated_word":"Ireland","sentiment":"neutral","sentiment_score":-0.0009620636701583862},{"word":"in","start":124.575005,"end":124.735,"confidence":0.48168945,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0077726393938064575},{"word":"england","start":124.735,"end":125.135,"confidence":0.99609375,"punctuated_word":"England","sentiment":"neutral","sentiment_score":-0.007315538823604584},{"word":"or","start":125.135,"end":125.295,"confidence":0.38671875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.017290819436311722},{"word":"yep","start":130.35,"end":130.85,"confidence":0.74194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.004901246167719364},{"word":"so","start":130.91,"end":131.07,"confidence":0.5463867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07308334857225418},{"word":"a","start":131.07,"end":131.15,"confidence":0.22961426,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10045135021209715},{"word":"bit","start":131.15,"end":131.31,"confidence":0.98291016,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1209031194448471},{"word":"of","start":131.31,"end":131.39,"confidence":0.95166016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07739483565092087},{"word":"a","start":131.39,"end":131.47,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09927596151828766},{"word":"medium","start":131.47,"end":131.79,"confidence":0.9980469,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.09996656328439713},{"word":"term","start":131.79,"end":132.03,"confidence":0.99316406,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.11083289235830308},{"word":"goal","start":132.03,"end":132.27,"confidence":0.9099121,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.08592113107442856},{"word":"we'll","start":132.27,"end":132.43001,"confidence":0.9970703,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08508509397506714},{"word":"call","start":132.43001,"end":132.67,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.085780069231987},{"word":"that","start":132.67,"end":132.75,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11581701785326004},{"word":"one","start":132.75,"end":133.25,"confidence":1.0,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.09114553034305573},{"word":"do","start":134.19,"end":134.35,"confidence":0.90283203,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03572167083621025},{"word":"you","start":134.35,"end":134.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06549043953418732},{"word":"have","start":134.43,"end":134.59,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04673641920089722},{"word":"any","start":134.59,"end":135.09,"confidence":0.98657227,"punctuated_word":"any,","sentiment":"neutral","sentiment_score":0.047297149896621704},{"word":"like","start":135.87,"end":136.19,"confidence":0.93896484,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0428319051861763},{"word":"figures","start":136.19,"end":136.51,"confidence":0.99609375,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.05218464881181717},{"word":"in","start":136.51,"end":136.67,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027221785858273503},{"word":"mind","start":136.67,"end":137.07,"confidence":0.62280273,"punctuated_word":"mind?","sentiment":"neutral","sentiment_score":0.05892559885978699},{"word":"i'm","start":137.07,"end":137.31,"confidence":0.2826538,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06801767647266388},{"word":"like","start":137.31,"end":137.47,"confidence":0.35302734,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07229533791542053},{"word":"get","start":137.47,"end":137.79,"confidence":0.13439941,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11085894703865053},{"word":"or","start":139.47,"end":139.55,"confidence":0.26416016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10799714922904968},{"word":"kind","start":139.55,"end":139.79,"confidence":0.18029785,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08461196720600128},{"word":"of","start":139.79,"end":140.29,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11724191904067992},{"word":"as","start":140.35,"end":140.59,"confidence":0.42382812,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11937803030014038},{"word":"much","start":140.59,"end":140.83,"confidence":0.9951172,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0969974249601364},{"word":"savings","start":140.83,"end":141.31,"confidence":0.97314453,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.12061843276023863},{"word":"as","start":141.31,"end":141.39,"confidence":0.9819336,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07328248023986816},{"word":"you","start":141.39,"end":141.55,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1726330816745758},{"word":"can","start":141.55,"end":141.87,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11630779504776},{"word":"and","start":141.87,"end":142.35,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10969620198011398},{"word":"come","start":142.35,"end":142.59,"confidence":0.9902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1472328156232834},{"word":"back","start":142.59,"end":142.75,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.10844577103853226},{"word":"to","start":142.75,"end":142.91,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1143074780702591},{"word":"that","start":142.91,"end":143.07,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11168786883354188},{"word":"in","start":143.07,"end":143.15,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09516067802906036},{"word":"a","start":143.15,"end":143.31,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08522909879684448},{"word":"couple","start":143.31,"end":143.55,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0598997101187706},{"word":"years","start":143.55,"end":144.05,"confidence":0.51586914,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.07236305624246597},{"word":"awesome","start":152.175,"end":152.655,"confidence":0.99560547,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.1753574162721634},{"word":"so","start":152.655,"end":152.895,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03189506754279137},{"word":"you're","start":152.895,"end":153.05501,"confidence":0.9128418,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08716553449630737},{"word":"thinking","start":153.05501,"end":153.455,"confidence":0.99902344,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.09954927116632462},{"word":"kind","start":153.455,"end":153.615,"confidence":0.97509766,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08131237328052521},{"word":"of","start":153.615,"end":153.935,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.043383821845054626},{"word":"one","start":153.935,"end":154.175,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.010279979556798937},{"word":"to","start":154.175,"end":154.41501,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027418818324804303},{"word":"three","start":154.41501,"end":154.655,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.003937073051929474},{"word":"years","start":154.655,"end":154.975,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.009561136364936829},{"word":"for","start":154.975,"end":155.13501,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.015494465827941896},{"word":"the","start":155.13501,"end":155.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026776783168315887},{"word":"house","start":155.295,"end":155.535,"confidence":0.9980469,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.027545150369405743},{"word":"and","start":155.535,"end":155.695,"confidence":0.9506836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005089331418275833},{"word":"then","start":155.695,"end":155.935,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.022696269676089287},{"word":"holidays","start":155.935,"end":156.435,"confidence":0.87158203,"punctuated_word":"holidays","sentiment":"neutral","sentiment_score":0.015192069113254549},{"word":"after","start":156.49501,"end":156.735,"confidence":0.9921875,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.017840184271335602},{"word":"that","start":156.735,"end":157.235,"confidence":0.9667969,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.025309670716524124},{"word":"perfect","start":159.61,"end":160.11,"confidence":0.9951172,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5324062705039978},{"word":"i'm","start":160.32999,"end":160.48999,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.22462117671966553},{"word":"just","start":160.48999,"end":160.73,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32840898633003235},{"word":"having","start":160.73,"end":161.04999,"confidence":0.98828125,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3405328094959259},{"word":"a","start":161.04999,"end":161.12999,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2859266400337219},{"word":"look","start":161.12999,"end":161.29,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21363820135593417},{"word":"through","start":161.29,"end":161.45,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.30725130438804626},{"word":"the","start":161.45,"end":161.60999,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29750052094459534},{"word":"details","start":161.60999,"end":161.93,"confidence":0.85058594,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":0.2392757534980774},{"word":"so","start":161.93,"end":162.17,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.049229174852371216},{"word":"mobile","start":162.17,"end":162.67,"confidence":0.7595215,"punctuated_word":"mobile,","sentiment":"neutral","sentiment_score":0.053048763424158096},{"word":"email","start":162.81,"end":163.31,"confidence":0.75634766,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.09196750074625017},{"word":"are","start":163.68999,"end":163.84999,"confidence":0.8178711,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.04141370952129364},{"word":"you","start":163.84999,"end":164.01,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04741779342293739},{"word":"okay","start":164.01,"end":164.32999,"confidence":0.9716797,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.05250013247132301},{"word":"for","start":164.32999,"end":164.48999,"confidence":0.9770508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05398264527320862},{"word":"us","start":164.48999,"end":164.65,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.06299939006567001},{"word":"to","start":164.65,"end":164.73,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.034031402319669724},{"word":"still","start":164.73,"end":164.96999,"confidence":0.9892578,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04714472219347954},{"word":"use","start":164.96999,"end":165.20999,"confidence":0.9980469,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.03647782281041145},{"word":"your","start":165.20999,"end":165.45,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.043130382895469666},{"word":"yahoo","start":165.45,"end":165.76999,"confidence":0.98535156,"punctuated_word":"Yahoo","sentiment":"neutral","sentiment_score":0.0548817440867424},{"word":"email","start":165.76999,"end":166.17,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.0694650411605835},{"word":"address","start":166.17,"end":166.67,"confidence":0.9995117,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.04812660440802574},{"word":"k","start":168.81,"end":169.12999,"confidence":0.7188721,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.01934308372437954},{"word":"we've","start":169.12999,"end":169.37,"confidence":0.9995117,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.031887635588645935},{"word":"got","start":169.37,"end":169.68999,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.030504945665597916},{"word":"robin","start":169.68999,"end":170.17,"confidence":0.85717773,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.04045324772596359},{"word":"your","start":170.17,"end":170.40999,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03843509033322334},{"word":"mother","start":170.40999,"end":170.73,"confidence":0.9980469,"punctuated_word":"mother","sentiment":"neutral","sentiment_score":0.04759249836206436},{"word":"listed","start":170.73,"end":171.04999,"confidence":0.66845703,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.07912582159042358},{"word":"as","start":171.04999,"end":171.12999,"confidence":0.8852539,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.060177307575941086},{"word":"your","start":171.12999,"end":171.37,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05701392889022827},{"word":"next","start":171.37,"end":171.68999,"confidence":0.9941406,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.058008283376693726},{"word":"of","start":171.68999,"end":171.84999,"confidence":0.96972656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07242477685213089},{"word":"kin","start":171.84999,"end":172.34999,"confidence":0.99365234,"punctuated_word":"kin.","sentiment":"neutral","sentiment_score":0.06174539774656296},{"word":"we","start":172.625,"end":172.865,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.039993904531002045},{"word":"had","start":172.865,"end":173.025,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04556332528591156},{"word":"you","start":173.025,"end":173.185,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03998460993170738},{"word":"listed","start":173.185,"end":173.685,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.0369708314538002},{"word":"as","start":173.745,"end":174.145,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04003408923745155},{"word":"a","start":174.145,"end":174.385,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04989199340343475},{"word":"payroll","start":174.385,"end":174.885,"confidence":0.99902344,"punctuated_word":"payroll","sentiment":"neutral","sentiment_score":0.05559210479259491},{"word":"officer","start":175.025,"end":175.505,"confidence":0.99902344,"punctuated_word":"officer","sentiment":"neutral","sentiment_score":0.04057307541370392},{"word":"for","start":175.505,"end":175.665,"confidence":0.9589844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.042496223002672195},{"word":"frontier","start":175.665,"end":176.165,"confidence":0.98535156,"punctuated_word":"Frontier","sentiment":"neutral","sentiment_score":0.07246361672878265},{"word":"software","start":176.22499,"end":176.72499,"confidence":0.60632324,"punctuated_word":"Software,","sentiment":"neutral","sentiment_score":0.060621216893196106},{"word":"earning","start":179.105,"end":179.505,"confidence":0.9902344,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.05507896840572357},{"word":"about","start":179.505,"end":179.905,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.042647939175367355},{"word":"i","start":179.985,"end":180.065,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03800836578011513},{"word":"think","start":180.065,"end":180.305,"confidence":0.6900635,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.044724371284246445},{"word":"yeah","start":180.305,"end":180.465,"confidence":0.8442383,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06772580742835999},{"word":"listed","start":180.465,"end":180.86499,"confidence":0.8828125,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.08142969012260437},{"word":"89,692","start":180.86499,"end":183.685,"confidence":0.97528076,"punctuated_word":"89,692,","sentiment":"neutral","sentiment_score":0.09083859622478484},{"word":"saving","start":183.905,"end":184.305,"confidence":0.99902344,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.12497071921825408},{"word":"a","start":184.305,"end":184.465,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10334403812885284},{"word":"couple","start":184.465,"end":184.705,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.08790364861488342},{"word":"of","start":184.705,"end":184.86499,"confidence":0.8276367,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08444275707006454},{"word":"$100","start":184.86499,"end":185.505,"confidence":0.9970703,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.09058769047260284},{"word":"on","start":185.505,"end":185.665,"confidence":0.48120117,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07420250028371811},{"word":"week","start":185.665,"end":185.905,"confidence":0.4975586,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.05115693807601929},{"word":"on","start":185.905,"end":186.145,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06730230897665024},{"word":"average","start":186.145,"end":186.645,"confidence":0.986084,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":0.05953875184059143},{"word":"yep","start":186.94499,"end":187.44499,"confidence":0.9433594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2096884697675705},{"word":"awesome","start":187.72,"end":188.22,"confidence":0.9995117,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.580299437046051},{"word":"we've","start":188.68,"end":189.08,"confidence":0.99902344,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.30496200919151306},{"word":"got","start":189.08,"end":189.56,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2976210117340088},{"word":"salary","start":189.56,"end":190.04,"confidence":0.99902344,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.31128498911857605},{"word":"sacrificing","start":190.04,"end":190.54,"confidence":0.9536133,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":0.0991000235080719},{"word":"200","start":190.59999,"end":190.92,"confidence":0.9807129,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.07624782621860504},{"word":"a","start":190.92,"end":191.08,"confidence":0.7036133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06705378741025925},{"word":"month","start":191.08,"end":191.4,"confidence":0.99902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.06833504140377045},{"word":"to","start":191.4,"end":191.64,"confidence":0.39379883,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11208637803792952},{"word":"super","start":191.64,"end":192.14,"confidence":0.9614258,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.19702279567718503},{"word":"can","start":193.16,"end":193.48,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.07667119801044464},{"word":"i","start":193.48,"end":193.56,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09468270093202592},{"word":"just","start":193.56,"end":193.8,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10204654932022096},{"word":"double","start":193.8,"end":194.04,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.08840923011302948},{"word":"check","start":194.04,"end":194.2,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1153973788022995},{"word":"with","start":194.2,"end":194.36,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.052645258605480194},{"word":"you","start":194.36,"end":194.52,"confidence":0.92626953,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.05974847450852394},{"word":"are","start":194.52,"end":194.68,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.04845660924911499},{"word":"you","start":194.68,"end":194.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05319196730852127},{"word":"still","start":194.84,"end":195.08,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.07807891070842743},{"word":"comfortable","start":195.08,"end":195.56,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.0883350521326065},{"word":"with","start":195.56,"end":195.72,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07398546487092972},{"word":"that","start":195.72,"end":195.95999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007236093282699585},{"word":"amount","start":195.95999,"end":196.45999,"confidence":0.98828125,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.04823673516511917},{"word":"of","start":196.52,"end":196.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04689624160528183},{"word":"salary","start":196.68,"end":197.16,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.047610774636268616},{"word":"sacrifice","start":197.16,"end":197.66,"confidence":0.984375,"punctuated_word":"sacrifice?","sentiment":"neutral","sentiment_score":-0.04367006570100784},{"word":"okay","start":200.69499,"end":201.19499,"confidence":0.982666,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.011365965008735657},{"word":"the","start":201.815,"end":202.135,"confidence":0.8774414,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.011919375509023666},{"word":"home","start":202.135,"end":202.455,"confidence":0.99609375,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.012386668473482132},{"word":"listed","start":202.455,"end":202.855,"confidence":0.9980469,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.00001828372478485107},{"word":"last","start":202.855,"end":203.095,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.01904198527336121},{"word":"time","start":203.095,"end":203.415,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.0091073140501976},{"word":"valued","start":203.415,"end":203.815,"confidence":0.8774414,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":-0.0016756653785705566},{"word":"at","start":203.815,"end":203.89499,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.00590122863650322},{"word":"371,000","start":203.89499,"end":205.89499,"confidence":0.99275714,"punctuated_word":"371,000","sentiment":"neutral","sentiment_score":0.017329154536128044},{"word":"owing","start":205.89499,"end":206.215,"confidence":0.84277344,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.006603952497243881},{"word":"about","start":206.215,"end":206.535,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.00359494611620903},{"word":"300,000","start":206.535,"end":207.495,"confidence":0.97054034,"punctuated_word":"300,000.","sentiment":"neutral","sentiment_score":0.01270054467022419},{"word":"is","start":207.495,"end":207.655,"confidence":0.97998047,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.005160588771104813},{"word":"that","start":207.655,"end":207.89499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.002208225429058075},{"word":"pretty","start":207.89499,"end":208.135,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.00843927264213562},{"word":"close","start":208.135,"end":208.375,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.01307116448879242},{"word":"to","start":208.375,"end":208.535,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00803210586309433},{"word":"the","start":208.535,"end":208.61499,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004123840481042862},{"word":"mark","start":208.61499,"end":208.855,"confidence":0.78759766,"punctuated_word":"mark,","sentiment":"neutral","sentiment_score":-0.011877667158842089},{"word":"or","start":208.855,"end":209.015,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03719986230134964},{"word":"is","start":209.015,"end":209.175,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04179344326257706},{"word":"it","start":209.175,"end":209.33499,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03844878822565079},{"word":"kind","start":209.33499,"end":209.575,"confidence":0.96533203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.06758396327495575},{"word":"of","start":209.575,"end":209.735,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06606810539960861},{"word":"fluctuating","start":209.735,"end":210.235,"confidence":0.9650879,"punctuated_word":"fluctuating","sentiment":"neutral","sentiment_score":-0.04070620611310005},{"word":"quite","start":210.375,"end":210.61499,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.07534333318471909},{"word":"a","start":210.61499,"end":210.775,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.044896479696035385},{"word":"bit","start":210.775,"end":210.935,"confidence":0.9951172,"punctuated_word":"bit?","sentiment":"neutral","sentiment_score":-0.07461754232645035},{"word":"i","start":210.935,"end":211.095,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14577698707580566},{"word":"know","start":211.095,"end":211.25499,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.13118647038936615},{"word":"the","start":211.25499,"end":211.415,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19632774591445923},{"word":"market's","start":211.415,"end":211.815,"confidence":0.9355469,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.20411697030067444},{"word":"gonna","start":211.815,"end":212.135,"confidence":0.5986328,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2207595705986023},{"word":"be","start":212.135,"end":212.215,"confidence":0.97265625,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1713373363018036},{"word":"crazy","start":212.215,"end":212.715,"confidence":0.8366699,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.12444114685058594},{"word":"for","start":216.12001,"end":216.44,"confidence":0.9873047,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.08693983405828476},{"word":"the","start":216.44,"end":216.68001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09188634157180786},{"word":"house","start":216.68001,"end":217.0,"confidence":0.9941406,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.11688779294490814},{"word":"value","start":217.0,"end":217.48001,"confidence":0.9074707,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":-0.11876733601093292},{"word":"i","start":217.48001,"end":217.56,"confidence":0.9267578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09639707207679749},{"word":"think","start":217.56,"end":217.72,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0622226819396019},{"word":"we","start":217.72,"end":217.88,"confidence":0.9902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06633684784173965},{"word":"had","start":217.88,"end":218.04001,"confidence":0.96972656,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.06236592680215835},{"word":"it","start":218.04001,"end":218.20001,"confidence":0.62158203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08544227480888367},{"word":"at","start":218.20001,"end":218.28,"confidence":0.7573242,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08616940677165985},{"word":"$371,000","start":218.28,"end":219.48001,"confidence":0.9914144,"punctuated_word":"$371,000.","sentiment":"neutral","sentiment_score":-0.06004511937499046},{"word":"would","start":219.48001,"end":219.64,"confidence":0.6879883,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.08795275539159775},{"word":"that","start":219.64,"end":219.8,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12645602226257324},{"word":"have","start":219.8,"end":219.96,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0759863406419754},{"word":"jumped","start":219.96,"end":220.20001,"confidence":0.9970703,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":-0.09071110188961028},{"word":"up","start":220.20001,"end":220.44,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12356175482273102},{"word":"a","start":220.44,"end":220.52,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11181697249412537},{"word":"lot","start":220.52,"end":221.02,"confidence":0.99658203,"punctuated_word":"lot?","sentiment":"neutral","sentiment_score":-0.094408817589283},{"word":"oh","start":226.85501,"end":227.015,"confidence":0.6505127,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.012336449697613716},{"word":"are","start":227.015,"end":227.095,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.00878593698143959},{"word":"you","start":227.095,"end":227.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018047772347927097},{"word":"okay","start":227.335,"end":227.57501,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.0568961575627327},{"word":"for","start":227.57501,"end":227.655,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03481439873576164},{"word":"me","start":227.655,"end":227.815,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03900940716266632},{"word":"just","start":227.815,"end":228.13501,"confidence":0.9770508,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04968712478876114},{"word":"to","start":228.13501,"end":228.295,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03781021758913994},{"word":"look","start":228.295,"end":228.455,"confidence":0.98535156,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04365194961428642},{"word":"up","start":228.455,"end":228.695,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03437993675470352},{"word":"on","start":228.695,"end":228.935,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0477696917951107},{"word":"property.com","start":228.935,"end":229.895,"confidence":0.87972003,"punctuated_word":"property.com","sentiment":"neutral","sentiment_score":0.04639825224876404},{"word":"and","start":229.895,"end":230.21501,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04610097780823707},{"word":"add","start":230.21501,"end":230.375,"confidence":0.9951172,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.055225078016519547},{"word":"an","start":230.375,"end":230.535,"confidence":0.99316406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.045931462198495865},{"word":"updated","start":230.535,"end":231.015,"confidence":0.9970703,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.045577019453048706},{"word":"value","start":231.015,"end":231.41501,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.04660479724407196},{"word":"there","start":231.41501,"end":231.91501,"confidence":0.9885254,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.05706499516963959},{"word":"k","start":234.295,"end":234.695,"confidence":0.7207031,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.018630992621183395},{"word":"and","start":234.695,"end":234.935,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02479760535061359},{"word":"the","start":234.935,"end":235.095,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03147218003869057},{"word":"only","start":235.095,"end":235.335,"confidence":0.99121094,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.02465600892901421},{"word":"other","start":235.335,"end":235.49501,"confidence":0.99609375,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04052449017763138},{"word":"assets","start":235.49501,"end":235.895,"confidence":0.9970703,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.044763851910829544},{"word":"we","start":235.895,"end":236.05501,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04189661890268326},{"word":"had","start":236.05501,"end":236.295,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02698860689997673},{"word":"was","start":236.295,"end":236.455,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0673154890537262},{"word":"a","start":236.455,"end":236.615,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08856898546218872},{"word":"motor","start":236.615,"end":236.935,"confidence":0.9980469,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.09645681828260422},{"word":"vehicle","start":236.935,"end":237.41501,"confidence":1.0,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.07998894155025482},{"word":"and","start":237.41501,"end":237.735,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06585662811994553},{"word":"about","start":237.735,"end":238.05501,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06151271238923073},{"word":"$5","start":238.05501,"end":238.535,"confidence":0.9921875,"punctuated_word":"$5","sentiment":"neutral","sentiment_score":0.07044000923633575},{"word":"worth","start":238.535,"end":238.77501,"confidence":0.9760742,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.08545124530792236},{"word":"of","start":238.77501,"end":238.85501,"confidence":0.81152344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0818907618522644},{"word":"savings","start":238.85501,"end":239.35501,"confidence":0.9609375,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":0.0544290654361248},{"word":"is","start":239.81,"end":239.97,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05884610116481781},{"word":"there","start":239.97,"end":240.12999,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06097389757633209},{"word":"any","start":240.12999,"end":240.20999,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08177901059389114},{"word":"other","start":240.20999,"end":240.70999,"confidence":0.99316406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06667813658714294},{"word":"shares","start":240.93,"end":241.43,"confidence":0.83154297,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.06297080218791962},{"word":"crypto","start":241.48999,"end":241.98999,"confidence":0.97802734,"punctuated_word":"crypto,","sentiment":"neutral","sentiment_score":0.06500399112701416},{"word":"personal","start":242.05,"end":242.37,"confidence":0.9838867,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.09445840865373611},{"word":"loans","start":242.37,"end":242.76999,"confidence":0.9482422,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":0.11117830872535706},{"word":"anything","start":242.76999,"end":243.01,"confidence":0.9863281,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.09116504341363908},{"word":"like","start":243.01,"end":243.33,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04878314957022667},{"word":"that","start":243.33,"end":243.83,"confidence":0.99853516,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.12204812467098236},{"word":"amazing","start":246.12999,"end":246.62999,"confidence":0.98168945,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.506636381149292},{"word":"and","start":246.93,"end":247.17,"confidence":0.8598633,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26763400435447693},{"word":"we","start":247.17,"end":247.33,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2501973509788513},{"word":"did","start":247.33,"end":247.48999,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2246602028608322},{"word":"actually","start":247.48999,"end":247.81,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.23797976970672607},{"word":"have","start":247.81,"end":247.97,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22926577925682068},{"word":"that","start":247.97,"end":248.12999,"confidence":0.94140625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18588919937610623},{"word":"you","start":248.12999,"end":248.20999,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13622653484344482},{"word":"had","start":248.20999,"end":248.37,"confidence":0.37451172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1555890589952469},{"word":"put","start":248.37,"end":248.61,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.16512075066566467},{"word":"in","start":248.61,"end":248.76999,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17990368604660034},{"word":"place","start":248.76999,"end":249.25,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2563035488128662},{"word":"a","start":249.25,"end":249.73,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2448575794696808},{"word":"a","start":249.73,"end":249.89,"confidence":0.82373047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1539122462272644},{"word":"will","start":249.89,"end":250.12999,"confidence":0.9716797,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.1827412545681},{"word":"is","start":250.12999,"end":250.29,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.11465515941381454},{"word":"that","start":250.29,"end":250.45,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14375674724578855},{"word":"correct","start":250.45,"end":250.95,"confidence":0.9995117,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.1220863237977028},{"word":"k","start":257.585,"end":258.085,"confidence":0.68688965,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.03227119892835617},{"word":"you","start":258.305,"end":258.625,"confidence":0.38378906,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02815503627061844},{"word":"just","start":258.625,"end":258.785,"confidence":0.32958984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.058594249188899994},{"word":"might","start":258.785,"end":259.025,"confidence":0.16345215,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05618968978524208},{"word":"give","start":259.025,"end":259.185,"confidence":0.8100586,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.02881815657019615},{"word":"a","start":259.185,"end":259.26498,"confidence":0.2397461,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04375315830111504},{"word":"reminder","start":259.26498,"end":259.76498,"confidence":0.8730469,"punctuated_word":"reminder","sentiment":"neutral","sentiment_score":0.04580894485116005},{"word":"that","start":260.145,"end":260.465,"confidence":0.5449219,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05408392101526261},{"word":"also","start":260.465,"end":260.785,"confidence":0.31030273,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04990509524941445},{"word":"maybe","start":260.785,"end":261.10498,"confidence":0.9140625,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06724593788385391},{"word":"put","start":261.10498,"end":261.345,"confidence":0.9941406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.05171771347522736},{"word":"in","start":261.345,"end":261.505,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.045181866735219955},{"word":"place","start":261.505,"end":261.82498,"confidence":0.8376465,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.04541897773742676},{"word":"like","start":261.82498,"end":261.985,"confidence":0.9941406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.028218556195497513},{"word":"a","start":261.985,"end":262.145,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03524196147918701},{"word":"power","start":262.145,"end":262.385,"confidence":0.9838867,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.03087630122900009},{"word":"of","start":262.385,"end":262.54498,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026371531188488007},{"word":"attorney","start":262.54498,"end":263.025,"confidence":0.7536621,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":0.004410143941640854},{"word":"if","start":263.025,"end":263.10498,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03243409842252731},{"word":"you","start":263.10498,"end":263.26498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008688844740390778},{"word":"remember","start":263.26498,"end":263.665,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.009619303047657011},{"word":"what","start":263.665,"end":263.82498,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.016972824931144714},{"word":"that","start":263.82498,"end":264.065,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026159200817346573},{"word":"does","start":264.065,"end":264.565,"confidence":0.81518555,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":-0.005655428394675255},{"word":"that's","start":270.49002,"end":270.89,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.18807253241539},{"word":"kind","start":270.89,"end":271.05002,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.209144189953804},{"word":"of","start":271.05002,"end":271.21002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2374143898487091},{"word":"like","start":271.21002,"end":271.37,"confidence":0.796875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1400493681430817},{"word":"the","start":271.37,"end":271.69,"confidence":0.63623047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20548459887504575},{"word":"the","start":271.69,"end":271.85,"confidence":0.7114258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2594515383243561},{"word":"will","start":271.85,"end":272.09,"confidence":0.9135742,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2816045880317688},{"word":"is","start":272.09,"end":272.33002,"confidence":0.97265625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20940646529197693},{"word":"where","start":272.33002,"end":272.57,"confidence":0.6176758,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.13872258365154266},{"word":"does","start":272.57,"end":272.73,"confidence":0.8222656,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.14581523835659027},{"word":"everything","start":272.73,"end":273.05002,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.14502450823783877},{"word":"go","start":273.05002,"end":273.21002,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.14310987293720245},{"word":"when","start":273.21002,"end":273.45,"confidence":0.97998047,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.15239018201828003},{"word":"you","start":273.45,"end":273.53,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2120128720998764},{"word":"pass","start":273.53,"end":273.85,"confidence":0.92089844,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.2556208372116089},{"word":"away","start":273.85,"end":274.35,"confidence":0.8171387,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.15229788422584534},{"word":"power","start":274.65,"end":274.89,"confidence":0.9741211,"punctuated_word":"Power","sentiment":"neutral","sentiment_score":-0.028350435197353363},{"word":"of","start":274.89,"end":275.05002,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0007338374853134155},{"word":"attorney","start":275.05002,"end":275.55002,"confidence":0.99609375,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.03537403792142868},{"word":"is","start":275.69,"end":276.19,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02008766680955887},{"word":"if","start":276.25,"end":276.49002,"confidence":0.9536133,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.004873134195804596},{"word":"you're","start":276.49002,"end":276.89,"confidence":0.944987,"punctuated_word":"you're,","sentiment":"neutral","sentiment_score":-0.04507991299033165},{"word":"let's","start":276.89,"end":277.13,"confidence":0.9614258,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.043404072523117065},{"word":"say","start":277.13,"end":277.45,"confidence":0.97265625,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.026128269731998444},{"word":"in","start":277.45,"end":277.61002,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12756508588790894},{"word":"hospital","start":277.61002,"end":278.11002,"confidence":0.81640625,"punctuated_word":"hospital,","sentiment":"neutral","sentiment_score":-0.04836534336209297},{"word":"can't","start":278.57,"end":278.81,"confidence":0.89160156,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.019622063264250755},{"word":"act","start":278.81,"end":279.05002,"confidence":1.0,"punctuated_word":"act","sentiment":"neutral","sentiment_score":-0.01142529398202896},{"word":"on","start":279.05002,"end":279.21002,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04833212494850159},{"word":"your","start":279.21002,"end":279.37,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.049882255494594574},{"word":"own","start":279.37,"end":279.61002,"confidence":0.99902344,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.05292477458715439},{"word":"behalf","start":279.61002,"end":280.11002,"confidence":0.81274414,"punctuated_word":"behalf,","sentiment":"neutral","sentiment_score":-0.02365833893418312},{"word":"can","start":280.555,"end":280.79498,"confidence":0.93115234,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.017367079854011536},{"word":"someone","start":280.79498,"end":281.19498,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.005108974874019623},{"word":"actually","start":281.19498,"end":281.595,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":2.779066562652588e-6},{"word":"access","start":281.595,"end":281.91498,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.06222359836101532},{"word":"the","start":281.91498,"end":282.07498,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01904082298278809},{"word":"bank","start":282.07498,"end":282.395,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.019767485558986664},{"word":"accounts","start":282.395,"end":282.715,"confidence":0.96533203,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":-0.034131355583667755},{"word":"to","start":282.715,"end":282.955,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027237340807914737},{"word":"make","start":282.955,"end":283.035,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.01274203509092331},{"word":"sure","start":283.035,"end":283.275,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.02345851808786392},{"word":"the","start":283.275,"end":283.435,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024631723761558533},{"word":"mortgage","start":283.435,"end":283.835,"confidence":0.9951172,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.01228947937488556},{"word":"is","start":283.835,"end":284.07498,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02304680645465851},{"word":"paid","start":284.07498,"end":284.57498,"confidence":0.8293457,"punctuated_word":"paid?","sentiment":"neutral","sentiment_score":0.004903897643089294},{"word":"can","start":284.715,"end":284.875,"confidence":0.9892578,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.024131424725055695},{"word":"they","start":284.875,"end":285.035,"confidence":0.98535156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.023778364062309265},{"word":"talk","start":285.035,"end":285.35498,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.028334498405456543},{"word":"to","start":285.35498,"end":285.51498,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04245072603225708},{"word":"the","start":285.51498,"end":285.595,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05123034119606018},{"word":"doctors","start":285.595,"end":285.995,"confidence":0.99609375,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.02551371604204178},{"word":"on","start":285.995,"end":286.155,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0060144588351249695},{"word":"your","start":286.155,"end":286.395,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021889641880989075},{"word":"behalf","start":286.395,"end":286.715,"confidence":0.845459,"punctuated_word":"behalf?","sentiment":"neutral","sentiment_score":-0.0008307583630084991},{"word":"all","start":286.715,"end":286.955,"confidence":0.9970703,"punctuated_word":"All","sentiment":"neutral","sentiment_score":-0.018590986728668213},{"word":"that","start":286.955,"end":287.115,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.026868686079978943},{"word":"kind","start":287.115,"end":287.35498,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.037088699638843536},{"word":"of","start":287.35498,"end":287.51498,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015469618141651154},{"word":"thing","start":287.51498,"end":288.01498,"confidence":0.99365234,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.06105222553014755},{"word":"and","start":290.395,"end":290.555,"confidence":0.5083008,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2632528841495514},{"word":"it","start":290.555,"end":290.715,"confidence":0.8828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2500317692756653},{"word":"just","start":290.715,"end":290.875,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25278210639953613},{"word":"kind","start":290.875,"end":291.115,"confidence":0.9770508,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.23931775987148285},{"word":"of","start":291.115,"end":291.19498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3268311023712158},{"word":"stops","start":291.19498,"end":291.675,"confidence":0.99902344,"punctuated_word":"stops","sentiment":"neutral","sentiment_score":0.17422710359096527},{"word":"everyone","start":291.675,"end":292.07498,"confidence":0.9951172,"punctuated_word":"everyone","sentiment":"positive","sentiment_score":0.4203473925590515},{"word":"from","start":292.07498,"end":292.315,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.35519903898239136},{"word":"having","start":292.315,"end":292.63498,"confidence":0.98535156,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.22137953341007233},{"word":"to","start":292.63498,"end":292.79498,"confidence":0.9194336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19790565967559817},{"word":"go","start":292.79498,"end":292.955,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07761567831039429},{"word":"to","start":292.955,"end":293.455,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07109345495700836},{"word":"the","start":293.595,"end":293.75497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05497676134109497},{"word":"courts","start":293.75497,"end":294.07498,"confidence":0.8173828,"punctuated_word":"courts","sentiment":"neutral","sentiment_score":-0.028233900666236877},{"word":"for","start":294.07498,"end":294.315,"confidence":0.5,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10611160099506378},{"word":"probate","start":294.315,"end":294.79498,"confidence":0.82877606,"punctuated_word":"probate.","sentiment":"neutral","sentiment_score":0.17716404795646667},{"word":"makes","start":294.79498,"end":295.03497,"confidence":0.7260742,"punctuated_word":"Makes","sentiment":"positive","sentiment_score":0.37876883149147034},{"word":"it","start":295.03497,"end":295.19498,"confidence":0.99316406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4138779044151306},{"word":"a","start":295.19498,"end":295.275,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4760518670082092},{"word":"bit","start":295.275,"end":295.51498,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4017132818698883},{"word":"simpler","start":295.51498,"end":296.01498,"confidence":0.99560547,"punctuated_word":"simpler.","sentiment":"positive","sentiment_score":0.3373551368713379},{"word":"sometimes","start":296.38998,"end":296.79,"confidence":0.99902344,"punctuated_word":"Sometimes","sentiment":"neutral","sentiment_score":0.004519656300544739},{"word":"that","start":296.79,"end":296.87,"confidence":0.9536133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02002015709877014},{"word":"can","start":296.87,"end":297.11,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.034398153424263},{"word":"take","start":297.11,"end":297.35,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.006806358695030212},{"word":"a","start":297.35,"end":297.51,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0624372661113739},{"word":"little","start":297.51,"end":297.75,"confidence":0.9873047,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08780113607645035},{"word":"while","start":297.75,"end":298.25,"confidence":0.9970703,"punctuated_word":"while.","sentiment":"neutral","sentiment_score":0.0008924677968025208},{"word":"k","start":302.38998,"end":302.47,"confidence":0.6767578,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.070675328373909},{"word":"now","start":302.47,"end":302.87,"confidence":0.85498047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07640746235847473},{"word":"just","start":302.87,"end":303.19,"confidence":0.9658203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08421174436807632},{"word":"going","start":303.19,"end":303.43,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.07700055837631226},{"word":"through","start":303.43,"end":303.75,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10919533669948578},{"word":"the","start":303.75,"end":303.99,"confidence":0.66259766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0941573604941368},{"word":"super","start":303.99,"end":304.31,"confidence":0.7324219,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.10943840444087982},{"word":"do","start":304.31,"end":304.38998,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05907144024968147},{"word":"you","start":304.38998,"end":304.55,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07584759593009949},{"word":"log","start":304.55,"end":304.71,"confidence":0.97998047,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.07792341709136963},{"word":"in","start":304.71,"end":304.87,"confidence":0.6508789,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.057795096188783646},{"word":"to","start":304.87,"end":305.03,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09294497966766356},{"word":"your","start":305.03,"end":305.11,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1104041337966919},{"word":"hub","start":305.11,"end":305.35,"confidence":0.55615234,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.09633173793554306},{"word":"24","start":305.35,"end":305.75,"confidence":0.98828125,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.12964259088039398},{"word":"every","start":305.75,"end":305.99,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.07388832420110703},{"word":"now","start":305.99,"end":306.07,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.0839633047580719},{"word":"and","start":306.07,"end":306.15,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05140511691570282},{"word":"then","start":306.15,"end":306.31,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06116142123937607},{"word":"to","start":306.31,"end":306.47,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04927506297826767},{"word":"keep","start":306.47,"end":306.55,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.061279673129320145},{"word":"an","start":306.55,"end":306.71,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06963403522968292},{"word":"eye","start":306.71,"end":306.87,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.054085623472929},{"word":"on","start":306.87,"end":306.95,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0493919774889946},{"word":"it","start":306.95,"end":307.19,"confidence":0.74365234,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.048555538058280945},{"word":"or","start":307.19,"end":307.35,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.007787555456161499},{"word":"is","start":307.35,"end":307.51,"confidence":0.9707031,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.008292153477668762},{"word":"it","start":307.51,"end":307.66998,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03193652257323265},{"word":"more","start":307.66998,"end":307.83,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.02046464756131172},{"word":"of","start":307.83,"end":307.95,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026805080473423004},{"word":"a","start":307.95,"end":308.07,"confidence":0.63916016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035408876836299896},{"word":"just","start":308.15,"end":308.31,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02240528166294098},{"word":"a","start":308.31,"end":308.47,"confidence":0.97265625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04090294241905213},{"word":"yearly","start":308.47,"end":308.87,"confidence":0.99902344,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.04578516632318497},{"word":"check","start":308.87,"end":309.37,"confidence":0.99609375,"punctuated_word":"check?","sentiment":"neutral","sentiment_score":0.0441260002553463},{"word":"no","start":316.175,"end":316.335,"confidence":0.94555664,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.033093418926000595},{"word":"that's","start":316.335,"end":316.655,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16036653518676758},{"word":"totally","start":316.655,"end":316.975,"confidence":0.96972656,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":0.20381060242652893},{"word":"fine","start":316.975,"end":317.215,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.214362233877182},{"word":"you","start":317.215,"end":317.375,"confidence":0.9980469,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3744583129882813},{"word":"do","start":317.375,"end":317.535,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4117451012134552},{"word":"have","start":317.535,"end":317.775,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3985804319381714},{"word":"us","start":317.775,"end":317.935,"confidence":0.94140625,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.34869110584259033},{"word":"there","start":317.935,"end":318.095,"confidence":0.9160156,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.38246649503707886},{"word":"to","start":318.095,"end":318.175,"confidence":0.96875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.334780752658844},{"word":"look","start":318.175,"end":318.335,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.33617836236953735},{"word":"at","start":318.335,"end":318.495,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.32700473070144653},{"word":"it","start":318.495,"end":318.995,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.3168855309486389},{"word":"you've","start":319.215,"end":319.535,"confidence":0.8952637,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.4487516582012177},{"word":"had","start":319.535,"end":319.775,"confidence":0.9980469,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4194268882274628},{"word":"a","start":319.775,"end":319.855,"confidence":0.6772461,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5163660049438477},{"word":"pretty","start":319.855,"end":320.355,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.49429255723953247},{"word":"pretty","start":320.415,"end":320.735,"confidence":0.5024414,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4459120035171509},{"word":"strong","start":320.735,"end":321.135,"confidence":1.0,"punctuated_word":"strong","sentiment":"positive","sentiment_score":0.4281541407108307},{"word":"journey","start":321.135,"end":321.615,"confidence":0.8833008,"punctuated_word":"journey,","sentiment":"positive","sentiment_score":0.4753757119178772},{"word":"especially","start":321.615,"end":322.095,"confidence":0.9970703,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.479841947555542},{"word":"with","start":322.095,"end":322.335,"confidence":0.98535156,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4622910320758819},{"word":"all","start":322.335,"end":322.495,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.35166895389556885},{"word":"that","start":322.495,"end":322.655,"confidence":0.9951172,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3635823428630829},{"word":"salary","start":322.655,"end":323.155,"confidence":0.99902344,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.2265401929616928},{"word":"sacrifice","start":323.215,"end":323.715,"confidence":0.99316406,"punctuated_word":"sacrifice.","sentiment":"neutral","sentiment_score":0.2120273858308792},{"word":"i'm","start":323.775,"end":323.935,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2253948450088501},{"word":"looking","start":323.935,"end":324.175,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.22217532992362976},{"word":"at","start":324.175,"end":324.415,"confidence":0.9770508,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17471405863761902},{"word":"your","start":324.415,"end":324.915,"confidence":0.95947266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21623437106609344},{"word":"entire","start":325.25998,"end":325.5,"confidence":1.0,"punctuated_word":"entire","sentiment":"neutral","sentiment_score":0.12761056423187256},{"word":"history","start":325.5,"end":325.97998,"confidence":1.0,"punctuated_word":"history","sentiment":"neutral","sentiment_score":0.1396152377128601},{"word":"from","start":325.97998,"end":326.22,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14159640669822693},{"word":"2021","start":326.22,"end":327.28,"confidence":0.99527997,"punctuated_word":"2021.","sentiment":"neutral","sentiment_score":0.14834991097450256},{"word":"you","start":327.5,"end":327.74,"confidence":0.9790039,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1509837806224823},{"word":"started","start":327.74,"end":328.06,"confidence":0.9980469,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.14310666918754578},{"word":"with","start":328.06,"end":328.22,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14467686414718628},{"word":"about","start":328.22,"end":328.62,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11160494387149812},{"word":"66,000","start":328.62,"end":329.75998,"confidence":0.98860675,"punctuated_word":"66,000.","sentiment":"neutral","sentiment_score":0.13151083886623385},{"word":"you're","start":330.06,"end":330.3,"confidence":0.99902344,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.11072089523077012},{"word":"sitting","start":330.3,"end":330.53998,"confidence":0.99609375,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.15480516850948334},{"word":"at","start":330.53998,"end":330.78,"confidence":0.9140625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11489933729171752},{"word":"a","start":330.78,"end":330.86,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16452479362487793},{"word":"$125.07","start":330.86,"end":333.02,"confidence":0.984375,"punctuated_word":"$125.07","sentiment":"neutral","sentiment_score":0.11392205953598022},{"word":"$9.07","start":333.02,"end":333.74,"confidence":0.9914551,"punctuated_word":"$9.07","sentiment":"neutral","sentiment_score":0.0983736515045166},{"word":"as","start":333.74,"end":333.97998,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13036490976810455},{"word":"of","start":333.97998,"end":334.22,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1181190088391304},{"word":"today","start":334.22,"end":334.72,"confidence":0.99902344,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.11958029866218568},{"word":"you've","start":336.3,"end":336.69998,"confidence":0.99902344,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.08482258766889572},{"word":"gone","start":336.69998,"end":337.09998,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.044979825615882874},{"word":"through","start":337.09998,"end":337.59998,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01548624038696289},{"word":"couple","start":337.74,"end":338.13998,"confidence":0.625,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.06895714998245239},{"word":"little","start":338.13998,"end":338.37997,"confidence":0.76416016,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.03676171600818634},{"word":"dips","start":338.37997,"end":338.69998,"confidence":0.97509766,"punctuated_word":"dips","sentiment":"neutral","sentiment_score":-0.14478012919425964},{"word":"in","start":338.69998,"end":338.86,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2297435849905014},{"word":"the","start":338.86,"end":339.02,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13918796181678772},{"word":"market","start":339.02,"end":339.34,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.10852286219596864},{"word":"in","start":339.34,"end":339.615,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08752364665269852},{"word":"2025","start":339.775,"end":340.815,"confidence":1.0,"punctuated_word":"2025","sentiment":"neutral","sentiment_score":-0.0262247696518898},{"word":"and","start":340.815,"end":341.315,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03651687502861023},{"word":"in","start":341.455,"end":341.69498,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011587373912334442},{"word":"march","start":341.69498,"end":342.655,"confidence":0.99975586,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.009194135665893556},{"word":"just","start":342.655,"end":342.815,"confidence":0.70947266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05114191025495529},{"word":"with","start":342.815,"end":343.055,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.006013691425323486},{"word":"what","start":343.055,"end":343.13498,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.011543601751327516},{"word":"was","start":343.13498,"end":343.375,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02832859754562378},{"word":"going","start":343.375,"end":343.69498,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.034200385212898254},{"word":"on","start":343.69498,"end":344.095,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.038835540413856506},{"word":"in","start":344.095,"end":344.175,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.043457552790641785},{"word":"the","start":344.175,"end":344.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08188579976558685},{"word":"world","start":344.335,"end":344.655,"confidence":1.0,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.03500121831893921},{"word":"out","start":344.655,"end":344.815,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15249115228652954},{"word":"there","start":344.815,"end":345.315,"confidence":0.8996582,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15063893795013428},{"word":"you'll","start":345.615,"end":345.85498,"confidence":0.9995117,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.2106783092021942},{"word":"notice","start":345.85498,"end":346.255,"confidence":1.0,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.20252376794815063},{"word":"that","start":346.255,"end":346.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22065231204032895},{"word":"when","start":346.495,"end":346.655,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.24166929721832275},{"word":"you","start":346.655,"end":346.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2318047881126404},{"word":"get","start":346.815,"end":346.97498,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17623676359653473},{"word":"that","start":346.97498,"end":347.29498,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20283715426921844},{"word":"docusign","start":347.29498,"end":347.79498,"confidence":0.9983724,"punctuated_word":"DocuSign","sentiment":"neutral","sentiment_score":0.1671474575996399},{"word":"pack","start":349.375,"end":349.615,"confidence":0.9375,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.27107125520706177},{"word":"from","start":349.615,"end":349.85498,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.260253369808197},{"word":"us","start":349.85498,"end":350.35498,"confidence":0.9970703,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.23294752836227417},{"word":"there'll","start":350.41498,"end":350.655,"confidence":0.986084,"punctuated_word":"there'll","sentiment":"neutral","sentiment_score":0.23156940937042236},{"word":"be","start":350.655,"end":350.815,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2664988040924072},{"word":"a","start":350.815,"end":350.97498,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20894409716129303},{"word":"performance","start":350.97498,"end":351.47498,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.1760440319776535},{"word":"report","start":351.615,"end":351.935,"confidence":1.0,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.2078554630279541},{"word":"in","start":351.935,"end":352.095,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21573002636432648},{"word":"there","start":352.095,"end":352.335,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.232574000954628},{"word":"that'll","start":352.335,"end":352.735,"confidence":0.79711914,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.2418392300605774},{"word":"show","start":352.735,"end":352.97498,"confidence":0.99902344,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.2405887395143509},{"word":"you","start":352.97498,"end":353.47498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27195894718170166},{"word":"every","start":353.615,"end":353.935,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.2621190547943115},{"word":"investment","start":353.935,"end":354.435,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.10028447210788728},{"word":"option","start":354.495,"end":354.735,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.16188889741897583},{"word":"that","start":354.735,"end":354.895,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2613142430782318},{"word":"you've","start":354.895,"end":355.13498,"confidence":0.9909668,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.23582646250724792},{"word":"got","start":355.13498,"end":355.59,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.24318408966064453},{"word":"as","start":355.66998,"end":355.83,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21932142972946167},{"word":"well","start":355.83,"end":355.99,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2379220575094223},{"word":"as","start":355.99,"end":356.07,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2437929809093475},{"word":"your","start":356.07,"end":356.38998,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2752901017665863},{"word":"overall","start":356.38998,"end":356.88998,"confidence":1.0,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.24876242876052856},{"word":"portfolio","start":356.94998,"end":357.44998,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.10752223432064056},{"word":"as","start":357.59,"end":357.83,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25655442476272583},{"word":"well","start":357.83,"end":358.33,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19398222863674164},{"word":"now","start":359.66998,"end":359.91,"confidence":0.9921875,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10843496769666672},{"word":"if","start":359.91,"end":360.07,"confidence":0.9707031,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09868977963924408},{"word":"you","start":360.07,"end":360.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07621388137340546},{"word":"recall","start":360.31,"end":360.63,"confidence":0.9753418,"punctuated_word":"recall,","sentiment":"neutral","sentiment_score":0.08382493257522583},{"word":"lauren","start":360.63,"end":360.94998,"confidence":0.9699707,"punctuated_word":"Lauren,","sentiment":"neutral","sentiment_score":0.09928888082504272},{"word":"you're","start":360.94998,"end":361.11,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08722414821386337},{"word":"in","start":361.11,"end":361.27,"confidence":0.7746582,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.09883291274309158},{"word":"like","start":361.27,"end":361.43,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11826254427433014},{"word":"a","start":361.43,"end":361.59,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13145773112773895},{"word":"growth","start":361.59,"end":361.99,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.15256528556346893},{"word":"portfolio","start":361.99,"end":362.49,"confidence":0.85009766,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.11754971742630003},{"word":"kind","start":362.63,"end":362.87,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12807513773441315},{"word":"of","start":362.87,"end":363.03,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11774782836437224},{"word":"that","start":363.03,"end":363.27,"confidence":0.9428711,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1497732549905777},{"word":"four","start":363.27,"end":363.51,"confidence":0.9970703,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.12210747599601746},{"word":"out","start":363.51,"end":363.75,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11112231016159058},{"word":"of","start":363.75,"end":363.91,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12215059250593184},{"word":"five","start":363.91,"end":364.15,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.14993225038051605},{"word":"on","start":364.15,"end":364.31,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14464335143566132},{"word":"the","start":364.31,"end":364.47,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12187571078538896},{"word":"risk","start":364.47,"end":364.79,"confidence":0.99316406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0888991579413414},{"word":"scale","start":364.79,"end":365.29,"confidence":0.84814453,"punctuated_word":"scale,","sentiment":"neutral","sentiment_score":0.09941953420639038},{"word":"80%","start":365.43,"end":366.25,"confidence":0.98535156,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.1720435917377472},{"word":"growth","start":366.71,"end":367.03,"confidence":0.86279297,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16922618448734283},{"word":"assets","start":367.03,"end":367.51,"confidence":0.93725586,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.1754319667816162},{"word":"shares","start":367.51,"end":367.75,"confidence":0.88964844,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.16385570168495178},{"word":"and","start":367.75,"end":367.99,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18238641321659088},{"word":"property","start":367.99,"end":368.31,"confidence":0.95214844,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.14501942694187164},{"word":"does","start":368.31,"end":368.47,"confidence":0.8857422,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.16834141314029694},{"word":"that","start":368.47,"end":368.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16203519701957703},{"word":"ring","start":368.63,"end":368.79,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.15035510063171387},{"word":"a","start":368.79,"end":368.87,"confidence":0.8925781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.121900737285614},{"word":"bell","start":368.87,"end":369.345,"confidence":1.0,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.1038023978471756},{"word":"k","start":371.98502,"end":372.48502,"confidence":0.7241211,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.011886429972946644},{"word":"now","start":372.545,"end":372.865,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.16125841438770294},{"word":"as","start":372.865,"end":373.105,"confidence":0.9790039,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10600133240222932},{"word":"far","start":373.105,"end":373.265,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.08062377572059631},{"word":"as","start":373.265,"end":373.585,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06815032660961151},{"word":"the","start":373.585,"end":373.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18655644357204437},{"word":"performance","start":373.745,"end":374.245,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.2484278529882431},{"word":"the","start":374.305,"end":374.465,"confidence":0.6225586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16784487664699554},{"word":"last","start":374.465,"end":374.625,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.17835356295108795},{"word":"twelve","start":374.625,"end":374.945,"confidence":0.9970703,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.1508960723876953},{"word":"months","start":374.945,"end":375.185,"confidence":0.9550781,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.2304707318544388},{"word":"goes","start":375.185,"end":375.685,"confidence":0.9814453,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":0.2389321327209473},{"word":"even","start":376.145,"end":376.385,"confidence":0.9980469,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.10652058571577072},{"word":"with","start":376.385,"end":376.545,"confidence":0.9838867,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05504734814167023},{"word":"the","start":376.545,"end":376.705,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010456308722496033},{"word":"market","start":376.705,"end":377.025,"confidence":0.94140625,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.13211947679519653},{"word":"dropping","start":377.025,"end":377.525,"confidence":0.29162598,"punctuated_word":"dropping,","sentiment":"neutral","sentiment_score":0.02158277854323387},{"word":"when","start":381.345,"end":381.425,"confidence":0.41430664,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1510513573884964},{"word":"you're","start":381.425,"end":381.585,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1418432891368866},{"word":"in","start":381.585,"end":381.825,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05270862579345703},{"word":"a","start":381.825,"end":381.905,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14337989687919617},{"word":"growth","start":381.905,"end":382.225,"confidence":0.99609375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.10024039447307588},{"word":"profile","start":382.225,"end":382.725,"confidence":0.9914551,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.12348951399326324},{"word":"you're","start":382.785,"end":383.025,"confidence":0.970459,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.22459325194358823},{"word":"kind","start":383.025,"end":383.185,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2060171216726303},{"word":"of","start":383.185,"end":383.345,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2388567477464676},{"word":"aiming","start":383.345,"end":383.665,"confidence":0.9980469,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.22830672562122345},{"word":"for","start":383.665,"end":383.905,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24611294269561768},{"word":"that","start":383.905,"end":384.145,"confidence":0.7416992,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2881006598472595},{"word":"9%","start":384.145,"end":384.705,"confidence":0.99902344,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.21935027837753296},{"word":"or","start":384.705,"end":384.865,"confidence":0.95166016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2558054029941559},{"word":"above","start":384.865,"end":385.105,"confidence":0.9970703,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.28947263956069946},{"word":"on","start":385.105,"end":385.32,"confidence":0.94384766,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3106133043766022},{"word":"that","start":387.56,"end":388.06,"confidence":0.76831055,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.17925137281417847},{"word":"now","start":388.92,"end":389.24002,"confidence":0.99316406,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.39552411437034607},{"word":"one","start":389.24002,"end":389.4,"confidence":0.9707031,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.43916985392570496},{"word":"thing","start":389.4,"end":389.64,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.4797743856906891},{"word":"i","start":389.64,"end":389.80002,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.36163875460624695},{"word":"did","start":389.80002,"end":390.04,"confidence":1.0,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.33617252111434937},{"word":"wanna","start":390.04,"end":390.36002,"confidence":0.7963867,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2985870838165283},{"word":"just","start":390.36002,"end":390.52002,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22028079628944397},{"word":"quickly","start":390.52002,"end":390.92,"confidence":0.99902344,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.1436026692390442},{"word":"raise","start":390.92,"end":391.24002,"confidence":0.9316406,"punctuated_word":"raise","sentiment":"neutral","sentiment_score":0.12649758160114288},{"word":"with","start":391.24002,"end":391.4,"confidence":0.8232422,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15447543561458588},{"word":"you","start":391.4,"end":391.88,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13249938189983368},{"word":"is","start":391.88,"end":392.36002,"confidence":0.9760742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1332167685031891},{"word":"out","start":392.36002,"end":392.52002,"confidence":0.95703125,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.417885422706604},{"word":"of","start":392.52002,"end":392.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3046182692050934},{"word":"the","start":392.68,"end":392.84,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2995641231536865},{"word":"kind","start":392.84,"end":393.34,"confidence":0.9838867,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2345954179763794},{"word":"of","start":393.88,"end":394.04,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3183448314666748},{"word":"10","start":394.04,"end":394.28,"confidence":0.50927734,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.2643991708755493},{"word":"options","start":394.28,"end":394.76,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.255988210439682},{"word":"that","start":394.76,"end":394.92,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.464591383934021},{"word":"you're","start":394.92,"end":395.16,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4785315990447998},{"word":"in","start":395.16,"end":395.66,"confidence":0.9758301,"punctuated_word":"in,","sentiment":"positive","sentiment_score":0.3731701374053955},{"word":"most","start":395.88,"end":396.12,"confidence":1.0,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.6559073328971863},{"word":"of","start":396.12,"end":396.28,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5786566138267517},{"word":"them","start":396.28,"end":396.6,"confidence":1.0,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.6502178311347961},{"word":"have","start":396.6,"end":397.0,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7325237393379211},{"word":"been","start":397.0,"end":397.5,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.7924570441246033},{"word":"pretty","start":397.72,"end":398.12,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.754554271697998},{"word":"incredible","start":398.12,"end":398.62,"confidence":1.0,"punctuated_word":"incredible","sentiment":"positive","sentiment_score":0.7644161581993103},{"word":"the","start":398.68,"end":398.76,"confidence":0.9453125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7105636596679688},{"word":"last","start":398.76,"end":399.08002,"confidence":1.0,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.6321898102760315},{"word":"twelve","start":399.08002,"end":399.32,"confidence":1.0,"punctuated_word":"twelve","sentiment":"positive","sentiment_score":0.6071785688400269},{"word":"months","start":399.32,"end":399.64,"confidence":0.9980469,"punctuated_word":"months.","sentiment":"positive","sentiment_score":0.6568092703819275},{"word":"you've","start":399.64,"end":399.88,"confidence":0.9995117,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.5037851929664612},{"word":"got","start":399.88,"end":400.12,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4419099390506744},{"word":"some","start":400.12,"end":400.62,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4079765379428863},{"word":"battery","start":401.205,"end":401.445,"confidence":0.99121094,"punctuated_word":"battery","sentiment":"positive","sentiment_score":0.49364155530929565},{"word":"tech","start":401.445,"end":401.685,"confidence":0.9682617,"punctuated_word":"tech,","sentiment":"positive","sentiment_score":0.3804892301559448},{"word":"which","start":401.685,"end":401.925,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.3098211884498596},{"word":"is","start":401.925,"end":402.005,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27511894702911377},{"word":"like","start":402.005,"end":402.245,"confidence":0.7890625,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.33391496539115906},{"word":"your","start":402.245,"end":402.565,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32038480043411255},{"word":"electric","start":402.565,"end":402.965,"confidence":0.98535156,"punctuated_word":"electric","sentiment":"neutral","sentiment_score":0.3288281261920929},{"word":"vehicles","start":402.965,"end":403.465,"confidence":0.77441406,"punctuated_word":"vehicles.","sentiment":"neutral","sentiment_score":0.3210764527320862},{"word":"that's","start":403.525,"end":403.845,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5137745141983032},{"word":"gone","start":403.845,"end":404.085,"confidence":0.86328125,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.601615309715271},{"word":"up","start":404.085,"end":404.245,"confidence":0.9951172,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5406574606895447},{"word":"about","start":404.245,"end":404.485,"confidence":0.89208984,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.44289839267730713},{"word":"a","start":404.485,"end":404.645,"confidence":0.8569336,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5106548070907593},{"word":"109%","start":404.645,"end":405.785,"confidence":0.92944336,"punctuated_word":"109%.","sentiment":"positive","sentiment_score":0.3947145342826843},{"word":"gold","start":406.805,"end":407.125,"confidence":0.8964844,"punctuated_word":"Gold","sentiment":"positive","sentiment_score":0.4964960217475891},{"word":"and","start":407.125,"end":407.285,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3459876775741577},{"word":"silver","start":407.285,"end":407.76498,"confidence":0.99121094,"punctuated_word":"silver","sentiment":"positive","sentiment_score":0.4491859972476959},{"word":"going","start":407.76498,"end":407.925,"confidence":0.9506836,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4421938061714173},{"word":"up","start":407.925,"end":408.165,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5286674499511719},{"word":"about","start":408.165,"end":408.405,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4241723418235779},{"word":"a","start":408.405,"end":408.485,"confidence":0.984375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4691928625106811},{"word":"100%","start":408.485,"end":409.285,"confidence":0.9727783,"punctuated_word":"100%.","sentiment":"positive","sentiment_score":0.3490118980407715},{"word":"your","start":409.285,"end":409.445,"confidence":0.9770508,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.3696275055408478},{"word":"shares","start":409.445,"end":409.76498,"confidence":0.49853516,"punctuated_word":"shares","sentiment":"positive","sentiment_score":0.42647242546081543},{"word":"up","start":409.76498,"end":410.005,"confidence":0.94921875,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.40786659717559814},{"word":"70%","start":410.005,"end":410.645,"confidence":0.9941406,"punctuated_word":"70%.","sentiment":"neutral","sentiment_score":0.33197522163391113},{"word":"everything's","start":410.645,"end":411.125,"confidence":0.96118164,"punctuated_word":"Everything's","sentiment":"positive","sentiment_score":0.3855067491531372},{"word":"been","start":411.125,"end":411.365,"confidence":0.99902344,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.4175824820995331},{"word":"really","start":411.365,"end":411.60498,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3361746668815613},{"word":"crazy","start":411.60498,"end":412.085,"confidence":0.99902344,"punctuated_word":"crazy","sentiment":"positive","sentiment_score":0.4413514733314514},{"word":"for","start":412.085,"end":412.245,"confidence":0.9970703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.37566477060317993},{"word":"twelve","start":412.245,"end":412.485,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.2835724949836731},{"word":"months","start":412.485,"end":412.98,"confidence":1.0,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.22504983842372897},{"word":"the","start":413.22,"end":413.46002,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.07882846891880035},{"word":"only","start":413.46002,"end":413.7,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.15763311088085177},{"word":"one","start":413.7,"end":413.94,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.09847907721996307},{"word":"that's","start":413.94,"end":414.26,"confidence":0.9663086,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.16812264919281006},{"word":"kind","start":414.26,"end":414.42,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.26299992203712463},{"word":"of","start":414.42,"end":414.66,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.33227142691612244},{"word":"underperformed","start":414.66,"end":415.16,"confidence":0.98030597,"punctuated_word":"underperformed","sentiment":"neutral","sentiment_score":-0.1343965083360672},{"word":"is","start":415.54,"end":415.78,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1979808360338211},{"word":"your","start":415.78,"end":416.1,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.19478830695152283},{"word":"australian","start":416.1,"end":416.6,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.15085329115390778},{"word":"shares","start":416.66,"end":417.16,"confidence":0.9301758,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.15573222935199738},{"word":"in","start":417.62003,"end":417.94,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1608767956495285},{"word":"a","start":417.94,"end":418.02002,"confidence":0.97265625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0914388671517372},{"word":"bennelong","start":418.02002,"end":418.52002,"confidence":0.7824707,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.09249915182590485},{"word":"option","start":418.66,"end":419.16,"confidence":0.9616699,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.009187281131744385},{"word":"now","start":420.98,"end":421.38,"confidence":0.99316406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03734961152076721},{"word":"i'm","start":421.38,"end":421.62,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.00597099494189024},{"word":"looking","start":421.62,"end":421.94,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.006568208336830139},{"word":"at","start":421.94,"end":422.1,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03773188591003418},{"word":"this","start":422.1,"end":422.6,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.007935404777526855},{"word":"through","start":423.06,"end":423.22,"confidence":0.84814453,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03983540087938309},{"word":"the","start":423.22,"end":423.38,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.031025923788547516},{"word":"history","start":423.38,"end":423.78,"confidence":1.0,"punctuated_word":"history","sentiment":"neutral","sentiment_score":-0.005083158612251282},{"word":"of","start":423.78,"end":423.94,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022354379296302795},{"word":"your","start":423.94,"end":424.18002,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0268380343914032},{"word":"account","start":424.18002,"end":424.58002,"confidence":0.951416,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.01610560342669487},{"word":"and","start":424.58002,"end":425.08002,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02285151183605194},{"word":"i","start":425.30002,"end":425.38,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07810954749584198},{"word":"would","start":425.38,"end":425.62,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.074183888733387},{"word":"have","start":425.62,"end":425.86002,"confidence":0.8432617,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09423132240772247},{"word":"expected","start":425.86002,"end":426.36002,"confidence":0.99902344,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":-0.10611489415168762},{"word":"it","start":426.42,"end":426.66,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05912105739116669},{"word":"to","start":426.66,"end":426.82,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11684495210647584},{"word":"have","start":426.82,"end":426.98,"confidence":0.7167969,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12603475153446198},{"word":"bounced","start":426.98,"end":427.46002,"confidence":0.96875,"punctuated_word":"bounced","sentiment":"neutral","sentiment_score":-0.10245298594236374},{"word":"back","start":427.46002,"end":427.78,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.12595000863075256},{"word":"this","start":427.78,"end":428.02002,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02347935736179352},{"word":"year","start":428.02002,"end":428.52002,"confidence":1.0,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.0467129647731781},{"word":"i","start":428.625,"end":428.785,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22377973794937137},{"word":"know","start":428.785,"end":429.025,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2357429265975952},{"word":"that","start":429.025,"end":429.105,"confidence":0.7138672,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.26585227251052856},{"word":"benelon","start":429.105,"end":429.585,"confidence":0.59228516,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.25437062978744507},{"word":"had","start":429.585,"end":429.825,"confidence":0.9980469,"punctuated_word":"had","sentiment":"negative","sentiment_score":-0.3602312207221985},{"word":"a","start":429.825,"end":429.905,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3890076279640198},{"word":"pretty","start":429.905,"end":430.145,"confidence":1.0,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.3810473084449768},{"word":"poor","start":430.145,"end":430.465,"confidence":0.9970703,"punctuated_word":"poor","sentiment":"negative","sentiment_score":-0.49921002984046936},{"word":"year","start":430.465,"end":430.705,"confidence":1.0,"punctuated_word":"year","sentiment":"negative","sentiment_score":-0.3894118368625641},{"word":"last","start":430.705,"end":431.025,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.3291184902191162},{"word":"year","start":431.025,"end":431.345,"confidence":0.9926758,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.30008792877197266},{"word":"but","start":431.345,"end":431.585,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.24711856245994568},{"word":"it","start":431.585,"end":431.745,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3346778452396393},{"word":"hasn't","start":431.745,"end":432.065,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.2895316481590271},{"word":"really","start":432.065,"end":432.385,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.20491452515125275},{"word":"bounced","start":432.385,"end":432.705,"confidence":0.9921875,"punctuated_word":"bounced","sentiment":"neutral","sentiment_score":-0.21737247705459595},{"word":"back","start":432.705,"end":432.945,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.31905683875083923},{"word":"to","start":432.945,"end":433.105,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2616729140281677},{"word":"catch","start":433.105,"end":433.505,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.2652515470981598},{"word":"up","start":433.505,"end":433.665,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.17588530480861664},{"word":"with","start":433.665,"end":434.165,"confidence":0.7529297,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.15549516677856445},{"word":"the","start":434.545,"end":434.705,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11307807266712187},{"word":"rest","start":434.705,"end":434.945,"confidence":0.9980469,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":-0.1714232712984085},{"word":"of","start":434.945,"end":435.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12693509459495544},{"word":"those","start":435.105,"end":435.425,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.08129804581403732},{"word":"australian","start":435.425,"end":435.925,"confidence":0.9941406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.11057543754577635},{"word":"shares","start":435.985,"end":436.385,"confidence":0.98535156,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.13078197836875916},{"word":"option","start":436.385,"end":436.625,"confidence":0.87060547,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.07173767685890198},{"word":"that","start":436.625,"end":436.865,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10937148332595824},{"word":"are","start":436.865,"end":436.945,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08778408169746399},{"word":"out","start":436.945,"end":437.105,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.10356660187244417},{"word":"there","start":437.105,"end":437.605,"confidence":1.0,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1249426081776619},{"word":"are","start":438.145,"end":438.385,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.01484844833612442},{"word":"you","start":438.385,"end":438.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01614879071712494},{"word":"okay","start":438.545,"end":438.785,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.04406241327524185},{"word":"for","start":438.785,"end":439.025,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.059354573488235474},{"word":"me","start":439.025,"end":439.185,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.009686224162578584},{"word":"to","start":439.185,"end":439.345,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03993282467126846},{"word":"look","start":439.345,"end":439.505,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.051222652196884155},{"word":"at","start":439.505,"end":440.005,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03808404505252838},{"word":"getting","start":440.385,"end":440.705,"confidence":0.7993164,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.02048320323228836},{"word":"a","start":440.705,"end":440.785,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.044292300939559937},{"word":"bit","start":440.785,"end":440.945,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04223822057247162},{"word":"of","start":440.945,"end":441.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04335062950849533},{"word":"a","start":441.105,"end":441.185,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05140514671802521},{"word":"replacement","start":441.185,"end":441.685,"confidence":1.0,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":-0.055167198181152344},{"word":"option","start":441.905,"end":442.225,"confidence":0.9980469,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.017536576837301254},{"word":"for","start":442.225,"end":442.465,"confidence":0.9863281,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.028116509318351746},{"word":"that","start":442.465,"end":442.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0440727174282074},{"word":"one","start":442.625,"end":443.125,"confidence":0.99902344,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":-0.03734485059976578},{"word":"k","start":446.61,"end":447.09,"confidence":0.6796875,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.02148253098130226},{"word":"i","start":447.09,"end":447.25,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016664322465658188},{"word":"do","start":447.25,"end":447.49,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02696622535586357},{"word":"have","start":447.49,"end":447.73,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02676673978567123},{"word":"one","start":447.73,"end":447.89,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.013819903135299684},{"word":"question","start":447.89,"end":448.21,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.03552072495222092},{"word":"for","start":448.21,"end":448.37,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.022444013506174088},{"word":"you","start":448.37,"end":448.61,"confidence":0.99194336,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.025273656472563744},{"word":"there's","start":448.61,"end":448.85,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.028557976707816124},{"word":"no","start":448.85,"end":449.01,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.023783385753631592},{"word":"wrong","start":449.01,"end":449.33,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.024337448179721832},{"word":"answer","start":449.33,"end":449.57,"confidence":0.9970703,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.018322646617889404},{"word":"here","start":449.57,"end":449.81,"confidence":0.98461914,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.021508239209651947},{"word":"it's","start":449.81,"end":450.05,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.038350895047187805},{"word":"really","start":450.05,"end":450.21,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.03091529011726379},{"word":"just","start":450.21,"end":450.45,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05621010810136795},{"word":"if","start":450.45,"end":450.61,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03914463147521019},{"word":"you","start":450.61,"end":450.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05135125666856766},{"word":"have","start":450.77,"end":450.93,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04456597566604614},{"word":"a","start":450.93,"end":451.09,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04482146352529526},{"word":"strong","start":451.09,"end":451.57,"confidence":1.0,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":0.037131063640117645},{"word":"gut","start":451.57,"end":452.05,"confidence":0.9970703,"punctuated_word":"gut","sentiment":"neutral","sentiment_score":0.05509477853775024},{"word":"feeling","start":452.05,"end":452.55,"confidence":1.0,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":0.07724376767873764},{"word":"either","start":452.61,"end":452.85,"confidence":0.94140625,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.07785354554653168},{"word":"way","start":452.85,"end":453.35,"confidence":0.99658203,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.03220253810286522},{"word":"do","start":453.57,"end":453.73,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.009855613112449646},{"word":"you","start":453.73,"end":453.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01424262672662735},{"word":"have","start":453.81,"end":454.05,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02390097826719284},{"word":"a","start":454.05,"end":454.13,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01828053779900074},{"word":"preference","start":454.13,"end":454.63,"confidence":1.0,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":0.03940290957689285},{"word":"between","start":454.69,"end":455.17,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.002781987190246582},{"word":"going","start":455.17,"end":455.65,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.055804140865802765},{"word":"for","start":455.65,"end":455.97,"confidence":0.9399414,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.05545298755168915},{"word":"like","start":455.97,"end":456.13,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03195197880268097},{"word":"the","start":456.13,"end":456.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0394839346408844},{"word":"lowest","start":456.29,"end":456.79,"confidence":1.0,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":0.0759982243180275},{"word":"fee","start":456.85,"end":457.17,"confidence":0.9980469,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.03118499368429184},{"word":"investments","start":457.17,"end":457.67,"confidence":0.9819336,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.029562607407569885},{"word":"possible","start":457.81,"end":458.31,"confidence":0.7531738,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.024733714759349823},{"word":"or","start":458.595,"end":458.755,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02293235808610916},{"word":"are","start":458.755,"end":458.835,"confidence":0.9614258,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.021185576915740967},{"word":"you","start":458.835,"end":458.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020541220903396606},{"word":"okay","start":458.995,"end":459.315,"confidence":0.9980469,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.014503121376037598},{"word":"with","start":459.315,"end":459.475,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.009625956416130066},{"word":"the","start":459.475,"end":459.555,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02955174446105957},{"word":"idea","start":459.555,"end":459.875,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.016317449510097504},{"word":"of","start":459.875,"end":460.035,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0066879019141197205},{"word":"paying","start":460.035,"end":460.275,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.0514591708779335},{"word":"a","start":460.275,"end":460.435,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0354025773704052},{"word":"little","start":460.435,"end":460.595,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06098347157239914},{"word":"bit","start":460.595,"end":460.835,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.033028438687324524},{"word":"higher","start":460.835,"end":461.155,"confidence":0.99609375,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.002603977918624878},{"word":"fees","start":461.155,"end":461.395,"confidence":0.7597656,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.056732453405857086},{"word":"to","start":461.395,"end":461.555,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05289030820131302},{"word":"get","start":461.555,"end":461.715,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11567047983407974},{"word":"some","start":461.715,"end":461.955,"confidence":0.9248047,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09953732788562776},{"word":"higher","start":461.955,"end":462.275,"confidence":0.99609375,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.07429706305265427},{"word":"returns","start":462.275,"end":462.775,"confidence":0.9499512,"punctuated_word":"returns?","sentiment":"neutral","sentiment_score":0.08361400663852692},{"word":"do","start":462.835,"end":462.915,"confidence":0.9291992,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0008009336888790131},{"word":"you","start":462.915,"end":463.075,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015325721353292463},{"word":"have","start":463.075,"end":463.155,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.021571192890405655},{"word":"a","start":463.155,"end":463.315,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015497896820306778},{"word":"strong","start":463.315,"end":463.635,"confidence":0.9980469,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":0.010950487107038498},{"word":"link","start":463.635,"end":463.955,"confidence":0.5107422,"punctuated_word":"link","sentiment":"neutral","sentiment_score":-0.0013173893094062803},{"word":"between","start":463.955,"end":464.195,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.011907387524843216},{"word":"the","start":464.195,"end":464.355,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0052191875874996185},{"word":"two","start":464.355,"end":464.855,"confidence":0.99072266,"punctuated_word":"two?","sentiment":"neutral","sentiment_score":-0.01864403858780861},{"word":"that's","start":468.995,"end":469.315,"confidence":0.95996094,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.024189379066228867},{"word":"okay","start":469.315,"end":469.815,"confidence":0.8754883,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.022714562714099884},{"word":"cool","start":473.00998,"end":473.33,"confidence":0.9506836,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2277849912643433},{"word":"so","start":473.33,"end":473.83,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14822593331336975},{"word":"you're","start":473.88998,"end":474.12997,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1826917380094528},{"word":"in","start":474.12997,"end":474.61,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1575745791196823},{"word":"kind","start":474.61,"end":474.84998,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.17017075419425964},{"word":"of","start":474.84998,"end":475.00998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13594189286231995},{"word":"a","start":475.00998,"end":475.09,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.143958181142807},{"word":"blend","start":475.09,"end":475.40997,"confidence":0.9951172,"punctuated_word":"blend","sentiment":"neutral","sentiment_score":0.13029465079307556},{"word":"at","start":475.40997,"end":475.65,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16371360421180725},{"word":"the","start":475.65,"end":475.72998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1372467875480652},{"word":"moment","start":475.72998,"end":476.05,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.221037819981575},{"word":"where","start":476.05,"end":476.37,"confidence":0.89990234,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.11295796185731888},{"word":"most","start":476.37,"end":476.61,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.128826305270195},{"word":"of","start":476.61,"end":476.77,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1185581311583519},{"word":"it","start":476.77,"end":476.93,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13704875111579895},{"word":"is","start":476.93,"end":477.09,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10283328592777252},{"word":"low","start":477.09,"end":477.40997,"confidence":0.98535156,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.14209532737731934},{"word":"fee","start":477.40997,"end":477.72998,"confidence":0.7902832,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.13284331560134888},{"word":"only","start":477.72998,"end":477.88998,"confidence":0.9902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.08063585311174393},{"word":"a","start":477.88998,"end":478.05,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13089436292648315},{"word":"little","start":478.05,"end":478.28998,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13487446308135986},{"word":"bit","start":478.28998,"end":478.53,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13673986494541168},{"word":"is","start":478.53,"end":478.68997,"confidence":0.9560547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09734461456537248},{"word":"in","start":478.68997,"end":478.84998,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12191388756036758},{"word":"the","start":478.84998,"end":479.00998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1285630464553833},{"word":"active","start":479.00998,"end":479.49,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.1495225876569748},{"word":"side","start":479.49,"end":479.99,"confidence":0.9975586,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.15779650211334229},{"word":"we","start":480.53,"end":480.77,"confidence":0.83740234,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.19720451533794403},{"word":"do","start":480.77,"end":481.00998,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21433423459529877},{"word":"have","start":481.00998,"end":481.25,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21675948798656464},{"word":"some","start":481.25,"end":481.72998,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1870301514863968},{"word":"other","start":481.72998,"end":482.05,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1896447390317917},{"word":"options","start":482.05,"end":482.44998,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.13625368475914},{"word":"i've","start":482.44998,"end":482.53,"confidence":0.9921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.167697474360466},{"word":"been","start":482.53,"end":482.77,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.14702516794204712},{"word":"researching","start":482.77,"end":483.27,"confidence":1.0,"punctuated_word":"researching","sentiment":"neutral","sentiment_score":0.15948177874088287},{"word":"since","start":483.56998,"end":483.88998,"confidence":0.96972656,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.1832583844661713},{"word":"new","start":483.88998,"end":484.05,"confidence":0.93359375,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.1858159303665161},{"word":"year's","start":484.05,"end":484.53,"confidence":0.87874347,"punctuated_word":"Year's,","sentiment":"neutral","sentiment_score":0.19568076729774475},{"word":"which","start":484.53,"end":484.785,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.21629756689071655},{"word":"i'm","start":484.865,"end":485.105,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2058897465467453},{"word":"gonna","start":485.105,"end":485.605,"confidence":0.97509766,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.20816314220428467},{"word":"compare","start":485.665,"end":486.065,"confidence":0.9980469,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":0.21079352498054504},{"word":"for","start":486.065,"end":486.305,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2057325839996338},{"word":"you","start":486.305,"end":486.805,"confidence":0.9707031,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1500530242919922},{"word":"and","start":486.865,"end":487.025,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10593263804912569},{"word":"then","start":487.025,"end":487.265,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12018275260925292},{"word":"what","start":487.265,"end":487.42502,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11764103919267654},{"word":"i'll","start":487.42502,"end":487.505,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10558988898992538},{"word":"do","start":487.505,"end":487.745,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10669377446174622},{"word":"is","start":487.745,"end":487.905,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07943622767925262},{"word":"i'll","start":487.905,"end":487.98502,"confidence":0.9946289,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10485349595546722},{"word":"put","start":487.98502,"end":488.225,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1099381297826767},{"word":"together","start":488.225,"end":488.425,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.1066923663020134},{"word":"a","start":488.425,"end":488.625,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09799892455339432},{"word":"bit","start":488.625,"end":488.865,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10410341620445251},{"word":"of","start":488.865,"end":488.945,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1127491220831871},{"word":"an","start":488.945,"end":489.105,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.059531159698963165},{"word":"updated","start":489.105,"end":489.585,"confidence":0.99609375,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.07965266704559326},{"word":"statement","start":489.585,"end":489.98502,"confidence":0.98828125,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.14014895260334015},{"word":"of","start":489.98502,"end":490.145,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09746026992797852},{"word":"advice","start":490.145,"end":490.645,"confidence":0.9902344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.10569153726100922},{"word":"just","start":490.70502,"end":490.945,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09351256489753725},{"word":"to","start":490.945,"end":491.105,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08774865418672562},{"word":"show","start":491.105,"end":491.265,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.08415257930755615},{"word":"you","start":491.265,"end":491.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11900249868631364},{"word":"the","start":491.745,"end":491.98502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07076385617256165},{"word":"differences","start":491.98502,"end":492.48502,"confidence":0.99902344,"punctuated_word":"differences","sentiment":"neutral","sentiment_score":0.0323142409324646},{"word":"between","start":492.545,"end":492.865,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.023191150277853012},{"word":"them","start":492.865,"end":493.265,"confidence":0.83569336,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.028794771060347557},{"word":"and","start":493.265,"end":493.505,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2148146331310272},{"word":"if","start":493.505,"end":493.665,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2711403965950012},{"word":"you're","start":493.665,"end":493.825,"confidence":0.9885254,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2955305278301239},{"word":"comfortable","start":493.825,"end":494.305,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.244860902428627},{"word":"with","start":494.305,"end":494.385,"confidence":0.9301758,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4102450609207154},{"word":"that","start":494.385,"end":494.625,"confidence":0.99560547,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.3329515755176544},{"word":"we","start":494.625,"end":494.785,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.33519452810287476},{"word":"can","start":494.785,"end":495.185,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.384279191493988},{"word":"make","start":495.185,"end":495.425,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3697913587093353},{"word":"a","start":495.425,"end":495.505,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3429454565048218},{"word":"bit","start":495.505,"end":495.665,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.26528725028038025},{"word":"of","start":495.665,"end":495.825,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32058748602867126},{"word":"a","start":495.825,"end":495.98502,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3371492028236389},{"word":"switch","start":495.98502,"end":496.305,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.20264333486557007},{"word":"there","start":496.305,"end":496.8,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2565295100212097},{"word":"just","start":500.4,"end":500.56,"confidence":0.20385742,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.2061515152454376},{"word":"with","start":500.56,"end":500.72,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13340164721012115},{"word":"the","start":500.72,"end":500.87997,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10607396066188812},{"word":"risk","start":500.87997,"end":501.12,"confidence":0.99609375,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04745827615261078},{"word":"level","start":501.12,"end":501.36,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.027155019342899323},{"word":"briefly","start":501.36,"end":501.86,"confidence":0.8901367,"punctuated_word":"briefly,","sentiment":"neutral","sentiment_score":0.07501381635665894},{"word":"we","start":502.72,"end":502.96,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15412241220474243},{"word":"did","start":502.96,"end":503.28,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2156263291835785},{"word":"have","start":503.28,"end":503.52,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26173388957977295},{"word":"a","start":503.52,"end":503.68,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2959877550601959},{"word":"pretty","start":503.68,"end":503.91998,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.41993871331214905},{"word":"good","start":503.91998,"end":504.15997,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.38217732310295105},{"word":"example","start":504.15997,"end":504.65997,"confidence":1.0,"punctuated_word":"example","sentiment":"positive","sentiment_score":0.3545382022857666},{"word":"in","start":504.96,"end":505.19998,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32068589329719543},{"word":"march","start":505.19998,"end":505.52,"confidence":0.99902344,"punctuated_word":"March","sentiment":"positive","sentiment_score":0.3460880517959595},{"word":"of","start":505.52,"end":505.75998,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35621196031570435},{"word":"the","start":505.75998,"end":505.91998,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3949240744113922},{"word":"market","start":505.91998,"end":506.31998,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.3071831166744232},{"word":"going","start":506.31998,"end":506.63998,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.28135979175567627},{"word":"down","start":506.63998,"end":506.87997,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.14843323826789856},{"word":"and","start":506.87997,"end":507.03998,"confidence":0.92578125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.057446129620075226},{"word":"then","start":507.03998,"end":507.19998,"confidence":0.80908203,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06878963857889175},{"word":"bouncing","start":507.19998,"end":507.68,"confidence":0.7397461,"punctuated_word":"bouncing","sentiment":"neutral","sentiment_score":0.19647447764873505},{"word":"back","start":507.68,"end":508.15997,"confidence":0.8918457,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.15479063987731934},{"word":"and","start":508.15997,"end":508.31998,"confidence":0.74316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1436767578125},{"word":"i","start":508.31998,"end":508.47998,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21136191487312317},{"word":"just","start":508.47998,"end":508.63998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21083293855190277},{"word":"wanted","start":508.63998,"end":508.87997,"confidence":0.6113281,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.16930368542671204},{"word":"to","start":508.87997,"end":508.96,"confidence":0.97509766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21588468551635745},{"word":"quickly","start":508.96,"end":509.28,"confidence":0.9980469,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.21990123391151428},{"word":"let","start":509.28,"end":509.52,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2597299814224243},{"word":"you","start":509.52,"end":509.59998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23387420177459717},{"word":"know","start":509.59998,"end":510.09998,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2437722384929657},{"word":"how","start":510.445,"end":510.685,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.23309722542762756},{"word":"that","start":510.685,"end":510.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.254361629486084},{"word":"looks","start":510.845,"end":511.245,"confidence":0.9970703,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.21527345478534696},{"word":"because","start":511.245,"end":511.565,"confidence":0.9301758,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10707640647888184},{"word":"you","start":511.565,"end":511.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07967066764831543},{"word":"are","start":511.725,"end":511.885,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06297370791435242},{"word":"in","start":511.885,"end":512.045,"confidence":0.921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04538584500551224},{"word":"a","start":512.045,"end":512.125,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08316187560558319},{"word":"growth","start":512.125,"end":512.445,"confidence":0.9902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09331268817186356},{"word":"risk","start":512.445,"end":512.765,"confidence":0.96435547,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05375920981168747},{"word":"profile","start":512.765,"end":513.265,"confidence":0.99902344,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.06777878105640411},{"word":"so","start":513.885,"end":514.28503,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0941469818353653},{"word":"you","start":514.28503,"end":514.525,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12418206036090852},{"word":"went","start":514.525,"end":514.765,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.1654229462146759},{"word":"from","start":514.765,"end":515.005,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.098386749625206},{"word":"a","start":515.005,"end":515.085,"confidence":0.8852539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09079846739768982},{"word":"127","start":515.085,"end":516.465,"confidence":0.99609375,"punctuated_word":"127","sentiment":"neutral","sentiment_score":0.06853392720222473},{"word":"down","start":516.84503,"end":517.085,"confidence":0.9921875,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.010657809674739838},{"word":"to","start":517.085,"end":517.245,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019960105419158936},{"word":"a","start":517.245,"end":517.405,"confidence":0.9448242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08013437688350677},{"word":"116,000","start":517.405,"end":518.865,"confidence":0.9968262,"punctuated_word":"116,000","sentiment":"neutral","sentiment_score":0.05781807005405426},{"word":"to","start":518.925,"end":519.165,"confidence":0.43530273,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08175810426473618},{"word":"call","start":519.165,"end":519.28503,"confidence":0.9741211,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.054003048688173294},{"word":"it","start":519.28503,"end":519.405,"confidence":0.7453613,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.04853369295597077},{"word":"like","start":519.405,"end":519.565,"confidence":0.98706055,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0712864100933075},{"word":"an","start":519.565,"end":519.725,"confidence":0.9921875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09930521249771118},{"word":"11,000","start":519.725,"end":520.525,"confidence":1.0,"punctuated_word":"11,000","sentiment":"neutral","sentiment_score":0.04015634208917618},{"word":"drop","start":520.525,"end":521.005,"confidence":0.8984375,"punctuated_word":"drop,","sentiment":"neutral","sentiment_score":0.029522228986024857},{"word":"and","start":521.005,"end":521.165,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03259282559156418},{"word":"then","start":521.165,"end":521.405,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.019756410270929337},{"word":"it","start":521.405,"end":521.565,"confidence":0.97998047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0268208310008049},{"word":"bounced","start":521.565,"end":521.885,"confidence":0.9838867,"punctuated_word":"bounced","sentiment":"neutral","sentiment_score":0.07180708646774292},{"word":"back","start":521.885,"end":522.205,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0719328299164772},{"word":"9,000","start":522.205,"end":522.84503,"confidence":0.9970703,"punctuated_word":"9,000","sentiment":"neutral","sentiment_score":0.10792738944292068},{"word":"within","start":522.84503,"end":523.245,"confidence":0.9980469,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.05677401274442673},{"word":"two","start":523.245,"end":523.485,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.09594712406396866},{"word":"weeks","start":523.485,"end":523.985,"confidence":0.99853516,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.05090704932808876},{"word":"that's","start":524.69995,"end":525.19995,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08875825256109238},{"word":"pretty","start":525.25995,"end":525.74,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.119175486266613},{"word":"normal","start":525.74,"end":526.06,"confidence":1.0,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":0.12678396701812744},{"word":"in","start":526.06,"end":526.3,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0588742196559906},{"word":"terms","start":526.3,"end":526.62,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.10990627855062483},{"word":"of","start":526.62,"end":527.12,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07092197239398956},{"word":"what","start":527.42,"end":527.66,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0758538693189621},{"word":"a","start":527.66,"end":527.74,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03981957584619522},{"word":"growth","start":527.74,"end":528.06,"confidence":0.9892578,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06337147206068039},{"word":"risk","start":528.06,"end":528.3,"confidence":0.98095703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.03868766129016876},{"word":"profile","start":528.3,"end":528.77997,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.02652864158153534},{"word":"tends","start":528.77997,"end":529.18,"confidence":0.9980469,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.036138515919446945},{"word":"to","start":529.18,"end":529.33997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027917392551898956},{"word":"fluctuate","start":529.33997,"end":529.83997,"confidence":1.0,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":0.051976047456264496},{"word":"like","start":529.98,"end":530.45996,"confidence":0.90527344,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.02523939684033394},{"word":"and","start":530.45996,"end":530.69995,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07141837477684021},{"word":"because","start":530.69995,"end":530.93994,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06023359298706055},{"word":"it's","start":530.93994,"end":531.1,"confidence":0.9716797,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06754355132579803},{"word":"all","start":531.1,"end":531.33997,"confidence":0.9707031,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06698187440633774},{"word":"percentage","start":531.33997,"end":531.81995,"confidence":0.9770508,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.09356369078159332},{"word":"returns","start":531.81995,"end":532.22,"confidence":0.7583008,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.07229208946228027},{"word":"it's","start":532.22,"end":532.45996,"confidence":0.5610962,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0995081514120102},{"word":"just","start":532.45996,"end":532.62,"confidence":0.27172852,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08324668556451797},{"word":"gonna","start":532.62,"end":532.93994,"confidence":0.5776367,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08068563044071198},{"word":"be","start":532.93994,"end":533.01996,"confidence":0.99121094,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09962570667266846},{"word":"going","start":533.01996,"end":533.33997,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.07415726780891418},{"word":"up","start":533.33997,"end":533.5,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07125306129455566},{"word":"and","start":533.5,"end":533.74,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02315443754196167},{"word":"down","start":533.74,"end":534.24,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05976731330156326},{"word":"anywhere","start":534.69995,"end":535.1,"confidence":0.97802734,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.034295134246349335},{"word":"between","start":535.1,"end":535.57996,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.005197741091251373},{"word":"10","start":535.57996,"end":535.74,"confidence":0.99902344,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.04580925405025482},{"word":"and","start":535.74,"end":536.06,"confidence":0.84716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.010812461376190186},{"word":"$30,000","start":536.06,"end":537.01996,"confidence":0.99609375,"punctuated_word":"$30,000","sentiment":"neutral","sentiment_score":0.06095672398805618},{"word":"a","start":537.01996,"end":537.1,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04514973610639572},{"word":"year","start":537.1,"end":537.6,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06287838518619537},{"word":"based","start":538.185,"end":538.505,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.07535073161125183},{"word":"on","start":538.505,"end":539.005,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0595443956553936},{"word":"the","start":539.54504,"end":539.78503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06114519387483597},{"word":"returns","start":539.78503,"end":540.185,"confidence":0.5761719,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.08317247778177261},{"word":"of","start":540.185,"end":540.34503,"confidence":0.78125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06403978168964386},{"word":"the","start":540.34503,"end":540.425,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06956557184457779},{"word":"market","start":540.425,"end":540.925,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.11180227994918825},{"word":"on","start":540.98505,"end":541.22504,"confidence":0.6010742,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08329978585243225},{"word":"top","start":541.22504,"end":541.385,"confidence":0.99316406,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.04454624652862549},{"word":"of","start":541.385,"end":541.54504,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07764918357133865},{"word":"your","start":541.54504,"end":541.705,"confidence":0.9604492,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07395279407501221},{"word":"contributions","start":541.705,"end":542.205,"confidence":0.83447266,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.0834406167268753},{"word":"of","start":542.425,"end":542.585,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08514845371246338},{"word":"course","start":542.585,"end":543.085,"confidence":0.9875488,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.08793371915817261},{"word":"do","start":543.625,"end":543.78503,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.10032597929239272},{"word":"you","start":543.78503,"end":543.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1273697018623352},{"word":"have","start":543.865,"end":544.10504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03039494156837463},{"word":"any","start":544.10504,"end":544.34503,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.02740062028169632},{"word":"concerns","start":544.34503,"end":544.745,"confidence":0.9921875,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.016549736261367798},{"word":"there","start":544.745,"end":544.905,"confidence":0.9658203,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.028781745582818985},{"word":"are","start":544.905,"end":545.065,"confidence":0.9873047,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.04676663130521774},{"word":"you","start":545.065,"end":545.22504,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.095552496612072},{"word":"okay","start":545.22504,"end":545.465,"confidence":0.9951172,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.09302891045808792},{"word":"to","start":545.465,"end":545.625,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04058482497930527},{"word":"still","start":545.625,"end":545.945,"confidence":0.9921875,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03635190427303314},{"word":"focus","start":545.945,"end":546.265,"confidence":0.9819336,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.06936834752559662},{"word":"on","start":546.265,"end":546.425,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1367148756980896},{"word":"trying","start":546.425,"end":546.66504,"confidence":0.9941406,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.18831519782543185},{"word":"to","start":546.66504,"end":546.745,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15787801146507263},{"word":"grow","start":546.745,"end":547.065,"confidence":0.9980469,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.1893956959247589},{"word":"as","start":547.065,"end":547.145,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22010596096515656},{"word":"much","start":547.145,"end":547.385,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1973266452550888},{"word":"as","start":547.385,"end":547.54504,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15339776873588562},{"word":"you","start":547.54504,"end":547.625,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1544928252696991},{"word":"can","start":547.625,"end":548.125,"confidence":0.9916992,"punctuated_word":"can?","sentiment":"neutral","sentiment_score":0.12496188282966614},{"word":"k","start":551.01,"end":551.49,"confidence":0.5690918,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.012054940685629845},{"word":"do","start":551.49,"end":551.73,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.04297437518835068},{"word":"you","start":551.73,"end":551.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012227550148963928},{"word":"have","start":551.81,"end":552.05,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017214588820934296},{"word":"any","start":552.05,"end":552.29,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0258449986577034},{"word":"inclination","start":552.29,"end":552.79,"confidence":0.984375,"punctuated_word":"inclination","sentiment":"neutral","sentiment_score":-0.04053583741188049},{"word":"to","start":552.93,"end":553.08997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06890085339546204},{"word":"look","start":553.08997,"end":553.25,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06175250560045242},{"word":"at","start":553.25,"end":553.75,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07007135450839996},{"word":"going","start":553.81,"end":554.05,"confidence":0.90478516,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.025510914623737335},{"word":"more","start":554.05,"end":554.29,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.08097437024116516},{"word":"aggressive","start":554.29,"end":554.69,"confidence":0.9951172,"punctuated_word":"aggressive","sentiment":"neutral","sentiment_score":0.007455497980117798},{"word":"with","start":554.69,"end":554.85,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0073896050453186035},{"word":"it","start":554.85,"end":554.93,"confidence":0.8222656,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.027361057698726658},{"word":"you","start":554.93,"end":555.08997,"confidence":0.9526367,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.07474285364151001},{"word":"know","start":555.08997,"end":555.33,"confidence":0.94555664,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07298218458890915},{"word":"going","start":555.33,"end":555.64996,"confidence":0.5341797,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.09353937208652496},{"word":"to","start":555.64996,"end":555.97,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08909375220537186},{"word":"high","start":555.97,"end":556.29,"confidence":0.9716797,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.057575419545173645},{"word":"growth","start":556.29,"end":556.52997,"confidence":0.9892578,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.01205529272556305},{"word":"so","start":556.52997,"end":556.76996,"confidence":0.84765625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10017432272434236},{"word":"you","start":556.76996,"end":556.85,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07015631347894669},{"word":"can","start":556.85,"end":557.08997,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04784715175628662},{"word":"retire","start":557.08997,"end":557.57,"confidence":0.9980469,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.01571175456047058},{"word":"earlier","start":557.57,"end":558.07,"confidence":0.9760742,"punctuated_word":"earlier,","sentiment":"neutral","sentiment_score":-0.0976097136735916},{"word":"grow","start":558.20996,"end":558.45,"confidence":0.8027344,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":-0.021313510835170742},{"word":"it","start":558.45,"end":558.61,"confidence":0.8256836,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08006490021944046},{"word":"even","start":558.61,"end":558.93,"confidence":0.9951172,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.09006769955158234},{"word":"faster","start":558.93,"end":559.41,"confidence":0.8847656,"punctuated_word":"faster,","sentiment":"neutral","sentiment_score":-0.06362715363502502},{"word":"or","start":559.41,"end":559.64996,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13831259310245514},{"word":"does","start":559.64996,"end":559.89,"confidence":0.70996094,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.17001605033874512},{"word":"the","start":559.89,"end":560.13,"confidence":0.8510742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19960319995880127},{"word":"sound","start":560.13,"end":560.37,"confidence":0.91015625,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":-0.2902546525001526},{"word":"of","start":560.37,"end":560.61,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2914729416370392},{"word":"high","start":560.61,"end":560.76996,"confidence":0.99121094,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.3165569603443146},{"word":"risk","start":560.76996,"end":561.08997,"confidence":0.9819336,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.34143516421318054},{"word":"kind","start":561.08997,"end":561.33,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.3220718502998352},{"word":"of","start":561.33,"end":561.41,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27255696058273315},{"word":"make","start":561.41,"end":561.57,"confidence":0.98095703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.28282806277275085},{"word":"you","start":561.57,"end":561.73,"confidence":0.9111328,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21383529901504517},{"word":"a","start":561.73,"end":561.81,"confidence":0.52978516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2222990095615387},{"word":"bit","start":561.81,"end":561.97,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2309763580560684},{"word":"iffy","start":561.97,"end":562.425,"confidence":0.8639323,"punctuated_word":"iffy?","sentiment":"neutral","sentiment_score":-0.13883167505264282},{"word":"yep","start":562.425,"end":562.925,"confidence":0.91137695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05337296426296234},{"word":"and","start":568.425,"end":568.825,"confidence":0.7005615,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.0973760336637497},{"word":"look","start":568.825,"end":569.305,"confidence":0.9641113,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.10747618228197098},{"word":"doing","start":569.305,"end":569.625,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.11635328829288484},{"word":"salary","start":569.625,"end":570.125,"confidence":0.9970703,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.10379104316234589},{"word":"sacrifice","start":570.185,"end":570.58496,"confidence":0.984375,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.05623228847980499},{"word":"while","start":570.58496,"end":570.825,"confidence":0.7709961,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.06538395583629608},{"word":"being","start":570.825,"end":570.985,"confidence":0.9941406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.05984598398208618},{"word":"in","start":570.985,"end":571.14496,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.032724544405937195},{"word":"a","start":571.14496,"end":571.225,"confidence":0.7783203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1259762942790985},{"word":"growth","start":571.225,"end":571.625,"confidence":0.984375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1347360610961914},{"word":"portfolio","start":571.625,"end":572.105,"confidence":0.99609375,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.04317787289619446},{"word":"kind","start":572.105,"end":572.265,"confidence":0.9667969,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1215234100818634},{"word":"of","start":572.265,"end":572.425,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15057897567749023},{"word":"has","start":572.425,"end":572.58496,"confidence":0.9741211,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.11687923222780228},{"word":"the","start":572.58496,"end":572.745,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14578983187675476},{"word":"same","start":572.745,"end":572.985,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.18570786714553833},{"word":"effect","start":572.985,"end":573.46497,"confidence":0.92578125,"punctuated_word":"effect.","sentiment":"neutral","sentiment_score":0.10153347253799438},{"word":"so","start":573.46497,"end":573.705,"confidence":0.9658203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13635078072547913},{"word":"as","start":573.705,"end":573.785,"confidence":0.93408203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17716310918331146},{"word":"long","start":573.785,"end":573.945,"confidence":0.9980469,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2186465859413147},{"word":"as","start":573.945,"end":574.105,"confidence":0.95410156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2031080573797226},{"word":"you're","start":574.105,"end":574.345,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23640981316566467},{"word":"still","start":574.345,"end":574.505,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.19818666577339172},{"word":"okay","start":574.505,"end":574.825,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.19255682826042175},{"word":"to","start":574.825,"end":574.90497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1863255500793457},{"word":"keep","start":574.90497,"end":575.14496,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.20156346261501312},{"word":"doing","start":575.14496,"end":575.385,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.12028320133686066},{"word":"that","start":575.385,"end":575.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19568008184432983},{"word":"kind","start":575.625,"end":575.865,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0813068151473999},{"word":"of","start":575.865,"end":575.945,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17218533158302307},{"word":"50","start":575.945,"end":576.345,"confidence":0.9267578,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.24039453268051147},{"word":"a","start":576.345,"end":576.425,"confidence":0.81347656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2343544065952301},{"word":"week","start":576.425,"end":576.925,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.24965538084506989},{"word":"into","start":577.26,"end":577.38,"confidence":0.9301758,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.25725436210632324},{"word":"your","start":577.38,"end":577.5,"confidence":0.95166016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23925822973251343},{"word":"super","start":577.5,"end":577.98004,"confidence":0.8010254,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.2668556571006775},{"word":"you'll","start":577.98004,"end":578.22003,"confidence":0.9941406,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.2806049883365631},{"word":"still","start":578.22003,"end":578.38,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2495223730802536},{"word":"get","start":578.38,"end":578.54004,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2678679823875427},{"word":"to","start":578.54004,"end":578.7,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2249196469783783},{"word":"a","start":578.7,"end":578.78,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23007017374038696},{"word":"pretty","start":578.78,"end":579.10004,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14997565746307373},{"word":"similar","start":579.10004,"end":579.58,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.18705174326896667},{"word":"outcome","start":579.58,"end":580.08,"confidence":1.0,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.24182814359664917},{"word":"as","start":580.30005,"end":580.62,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03020133078098297},{"word":"someone","start":580.62,"end":580.94,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.012907251715660095},{"word":"who","start":580.94,"end":581.10004,"confidence":0.9980469,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.05221080780029297},{"word":"is","start":581.10004,"end":581.18,"confidence":0.6791992,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09482033550739288},{"word":"in","start":581.18,"end":581.34,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14766547083854675},{"word":"a","start":581.34,"end":581.42004,"confidence":0.8183594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09133881330490112},{"word":"high","start":581.42004,"end":581.66003,"confidence":0.89208984,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.12621374428272247},{"word":"risk","start":581.66003,"end":582.16003,"confidence":0.8034668,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.004423823207616806},{"word":"k","start":585.02,"end":585.5,"confidence":0.657959,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.24494029581546783},{"word":"so","start":585.5,"end":585.82,"confidence":0.94384766,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4352751672267914},{"word":"that's","start":585.82,"end":586.22003,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.550840437412262},{"word":"perfect","start":586.22003,"end":586.54004,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5887210369110107},{"word":"i'll","start":586.54004,"end":586.7,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4002247750759125},{"word":"leave","start":586.7,"end":586.86005,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.28294098377227783},{"word":"the","start":586.86005,"end":587.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26790112257003784},{"word":"risk","start":587.02,"end":587.26,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.18228226900100708},{"word":"level","start":587.26,"end":587.58,"confidence":0.9980469,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.13600274920463562},{"word":"alone","start":587.58,"end":588.06,"confidence":0.9897461,"punctuated_word":"alone.","sentiment":"neutral","sentiment_score":0.20615702867507937},{"word":"we'll","start":588.06,"end":588.22003,"confidence":0.99853516,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.2936835289001465},{"word":"just","start":588.22003,"end":588.46,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31414949893951416},{"word":"give","start":588.46,"end":588.7,"confidence":0.97998047,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.25837358832359314},{"word":"the","start":588.7,"end":589.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2587003707885742},{"word":"the","start":589.02,"end":589.18,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2260907292366028},{"word":"old","start":589.18,"end":589.42004,"confidence":0.9951172,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.19939449429512024},{"word":"portfolio","start":589.42004,"end":589.92004,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1302129328250885},{"word":"a","start":589.98004,"end":590.06,"confidence":0.9316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2748667597770691},{"word":"bit","start":590.06,"end":590.22003,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.22327429056167605},{"word":"of","start":590.22003,"end":590.30005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27984216809272766},{"word":"an","start":590.30005,"end":590.46,"confidence":0.9892578,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2773053050041199},{"word":"engine","start":590.46,"end":590.94,"confidence":0.99609375,"punctuated_word":"engine","sentiment":"neutral","sentiment_score":0.26512476801872253},{"word":"tune","start":590.94,"end":591.18,"confidence":0.59814453,"punctuated_word":"tune","sentiment":"neutral","sentiment_score":0.30359944701194763},{"word":"up","start":591.18,"end":591.675,"confidence":0.8244629,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.29177823662757874},{"word":"and","start":592.875,"end":593.27496,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3128760755062103},{"word":"i'll","start":593.27496,"end":593.515,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3522334694862366},{"word":"update","start":593.515,"end":593.915,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.3031414747238159},{"word":"some","start":593.915,"end":594.15497,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2762744128704071},{"word":"projections","start":594.15497,"end":594.65497,"confidence":0.99902344,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.314103901386261},{"word":"for","start":594.795,"end":594.955,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30183491110801697},{"word":"you","start":594.955,"end":595.195,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2858896553516388},{"word":"as","start":595.195,"end":595.355,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29053884744644165},{"word":"well","start":595.355,"end":595.855,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19682100415229797},{"word":"last","start":596.39496,"end":596.635,"confidence":0.9941406,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":0.016615085303783417},{"word":"question","start":596.635,"end":597.035,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.015026874840259552},{"word":"i","start":597.035,"end":597.115,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0066114068031311035},{"word":"had","start":597.115,"end":597.27496,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.010901592671871184},{"word":"on","start":597.27496,"end":597.435,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0012573376297950745},{"word":"the","start":597.435,"end":597.595,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0062799230217933655},{"word":"super","start":597.595,"end":598.095,"confidence":0.72558594,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04063941538333893},{"word":"was","start":598.315,"end":598.555,"confidence":0.90966797,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.000842459499835968},{"word":"do","start":598.555,"end":598.71497,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02237783372402191},{"word":"you","start":598.71497,"end":598.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0024442672729492188},{"word":"have","start":598.875,"end":599.035,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.006038978695869446},{"word":"a","start":599.035,"end":599.115,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0011636503040790558},{"word":"bit","start":599.115,"end":599.27496,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02128008008003235},{"word":"of","start":599.27496,"end":599.355,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01853115111589432},{"word":"a","start":599.355,"end":599.435,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01938505470752716},{"word":"preference","start":599.435,"end":599.83496,"confidence":0.93310547,"punctuated_word":"preference?","sentiment":"neutral","sentiment_score":-0.013525575399398804},{"word":"i","start":599.83496,"end":599.995,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.058445438742637634},{"word":"know","start":599.995,"end":600.15497,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07725169509649277},{"word":"it's","start":600.15497,"end":600.315,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08442682027816772},{"word":"a","start":600.315,"end":600.39496,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10197968780994417},{"word":"long","start":600.39496,"end":600.635,"confidence":0.96240234,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.11971715837717056},{"word":"while","start":600.635,"end":600.875,"confidence":0.9716797,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.10585922747850418},{"word":"away","start":600.875,"end":601.375,"confidence":0.8000488,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.09252673387527466},{"word":"but","start":601.675,"end":602.175,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06289594620466232},{"word":"between","start":602.235,"end":602.735,"confidence":0.99121094,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.0650087222456932},{"word":"retiring","start":602.795,"end":603.295,"confidence":1.0,"punctuated_word":"retiring","sentiment":"neutral","sentiment_score":-0.08611837774515152},{"word":"towards","start":603.355,"end":603.855,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.10792724043130876},{"word":"age","start":604.075,"end":604.39496,"confidence":0.97265625,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.039242155849933624},{"word":"65","start":604.39496,"end":605.195,"confidence":0.98742676,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":-0.007795792073011398},{"word":"67","start":605.195,"end":606.015,"confidence":0.9995117,"punctuated_word":"67","sentiment":"neutral","sentiment_score":-0.002852201461791992},{"word":"when","start":606.29004,"end":606.45,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04160197824239731},{"word":"the","start":606.45,"end":606.61005,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.038123078644275665},{"word":"age","start":606.61005,"end":606.85004,"confidence":0.98828125,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.025747373700141907},{"word":"pension","start":606.85004,"end":607.33,"confidence":0.99316406,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.03671613335609436},{"word":"kind","start":607.33,"end":607.49005,"confidence":0.5058594,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05565159395337105},{"word":"of","start":607.49005,"end":607.73004,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06072826683521271},{"word":"kicks","start":607.73004,"end":607.89,"confidence":0.99609375,"punctuated_word":"kicks","sentiment":"neutral","sentiment_score":-0.04875845089554787},{"word":"in","start":607.89,"end":608.29004,"confidence":0.84936523,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.04768908768892288},{"word":"or","start":608.29004,"end":608.77,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0699303075671196},{"word":"do","start":608.77,"end":608.93,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05096139758825302},{"word":"you","start":608.93,"end":609.09,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04000793397426605},{"word":"want","start":609.09,"end":609.41003,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.008868381381034851},{"word":"to","start":609.41003,"end":609.57,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06774657964706421},{"word":"kind","start":609.57,"end":609.81,"confidence":0.984375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04093314707279205},{"word":"of","start":609.81,"end":609.89,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06229455769062042},{"word":"retire","start":609.89,"end":610.29004,"confidence":0.9838867,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.07722044736146927},{"word":"as","start":610.29004,"end":610.45,"confidence":0.9741211,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.018854625523090363},{"word":"early","start":610.45,"end":610.77,"confidence":0.9970703,"punctuated_word":"early","sentiment":"neutral","sentiment_score":-0.06803806126117706},{"word":"as","start":610.77,"end":610.85004,"confidence":0.89990234,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.026191554963588715},{"word":"possible","start":610.85004,"end":611.35004,"confidence":0.95288086,"punctuated_word":"possible?","sentiment":"neutral","sentiment_score":-0.018468404188752174},{"word":"do","start":612.13,"end":612.21,"confidence":0.8803711,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.005279034376144409},{"word":"you","start":612.21,"end":612.29004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016130242496728897},{"word":"have","start":612.29004,"end":612.45,"confidence":0.9921875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012332160025835035},{"word":"a","start":612.45,"end":612.61005,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00832759216427803},{"word":"preference","start":612.61005,"end":613.01,"confidence":1.0,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":-0.007560908794403076},{"word":"between","start":613.01,"end":613.33,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.00966254249215126},{"word":"the","start":613.33,"end":613.49005,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011338874697685242},{"word":"two","start":613.49005,"end":613.99005,"confidence":0.9482422,"punctuated_word":"two?","sentiment":"neutral","sentiment_score":-0.04174140840768814},{"word":"yeah","start":618.785,"end":619.285,"confidence":0.7873535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0018346495926380155},{"word":"but","start":619.345,"end":619.745,"confidence":0.17163086,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.042253218591213226},{"word":"i","start":619.745,"end":619.82495,"confidence":0.5263672,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.061397455632686615},{"word":"guess","start":619.82495,"end":620.225,"confidence":0.4013672,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.08651958405971527},{"word":"we're","start":620.225,"end":620.625,"confidence":0.7763672,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.21915441751480105},{"word":"obviously","start":620.625,"end":621.105,"confidence":0.9707031,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.2162247598171234},{"word":"going","start":621.105,"end":621.425,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.26572245359420776},{"word":"to","start":621.425,"end":621.90497,"confidence":0.7578125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2640152871608734},{"word":"first","start":621.90497,"end":622.065,"confidence":0.6298828,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.16082686185836792},{"word":"grow","start":622.065,"end":622.305,"confidence":0.90527344,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.28956055641174316},{"word":"your","start":622.305,"end":622.545,"confidence":0.8720703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28823989629745483},{"word":"super","start":622.545,"end":622.785,"confidence":0.95703125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.42788976430892944},{"word":"as","start":622.785,"end":622.865,"confidence":0.9760742,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23789513111114505},{"word":"much","start":622.865,"end":623.105,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3587057888507843},{"word":"as","start":623.105,"end":623.185,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2231544554233551},{"word":"we","start":623.185,"end":623.345,"confidence":0.9970703,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.39685580134391785},{"word":"can","start":623.345,"end":623.82495,"confidence":0.9921875,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.21657557785511017},{"word":"as","start":623.82495,"end":624.065,"confidence":0.9941406,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.1907368302345276},{"word":"you","start":624.065,"end":624.225,"confidence":0.82373047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2340836375951767},{"word":"get","start":624.225,"end":624.38495,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2013716995716095},{"word":"close","start":624.38495,"end":624.70496,"confidence":0.49902344,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.227287620306015},{"word":"to","start":624.70496,"end":624.865,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2388247847557068},{"word":"retirement","start":624.865,"end":625.26495,"confidence":0.9682617,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.18073749542236328},{"word":"we","start":625.26495,"end":625.425,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19334352016448977},{"word":"can","start":625.425,"end":625.665,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20159997045993805},{"word":"kind","start":625.665,"end":625.82495,"confidence":0.9165039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.15006527304649353},{"word":"of","start":625.82495,"end":625.985,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16652315855026245},{"word":"talk","start":625.985,"end":626.225,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.196364164352417},{"word":"through","start":626.225,"end":626.725,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20094940066337583},{"word":"how","start":626.94495,"end":627.105,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1246223896741867},{"word":"long","start":627.105,"end":627.345,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.18852636218070984},{"word":"it's","start":627.345,"end":627.58496,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1809418797492981},{"word":"gonna","start":627.58496,"end":627.82495,"confidence":0.8803711,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.20000147819519043},{"word":"last","start":627.82495,"end":628.065,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.17053669691085815},{"word":"and","start":628.065,"end":628.305,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15570002794265747},{"word":"when","start":628.305,"end":628.46497,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14644628763198853},{"word":"a","start":628.46497,"end":628.625,"confidence":0.92578125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17170044779777527},{"word":"good","start":628.625,"end":628.865,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.09499028325080872},{"word":"time","start":628.865,"end":629.105,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1883320510387421},{"word":"to","start":629.105,"end":629.26495,"confidence":0.91503906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16392357647418976},{"word":"be","start":629.26495,"end":629.665,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08017062395811081},{"word":"to","start":629.665,"end":629.985,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15813276171684265},{"word":"protect","start":629.985,"end":630.38495,"confidence":1.0,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":0.1919412761926651},{"word":"it","start":630.38495,"end":630.88495,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1766015887260437},{"word":"and","start":631.08997,"end":631.33,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09750492870807648},{"word":"also","start":631.33,"end":631.64996,"confidence":0.97802734,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06627438962459564},{"word":"to","start":631.64996,"end":631.89,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10235100239515305},{"word":"access","start":631.89,"end":632.21,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.19100411236286163},{"word":"it","start":632.21,"end":632.45,"confidence":0.9863281,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12891486287117004},{"word":"so","start":632.45,"end":632.61,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12146355956792831},{"word":"for","start":632.61,"end":632.77,"confidence":0.97509766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13274158537387848},{"word":"now","start":632.77,"end":633.08997,"confidence":0.95874023,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.14967426657676697},{"word":"i'll","start":633.08997,"end":633.25,"confidence":0.97509766,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2200116217136383},{"word":"just","start":633.25,"end":633.49,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22132357954978943},{"word":"focus","start":633.49,"end":633.73,"confidence":0.9970703,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.22899217903614044},{"word":"on","start":633.73,"end":633.89,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3377610146999359},{"word":"the","start":633.89,"end":634.05,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35571882128715515},{"word":"growth","start":634.05,"end":634.29,"confidence":0.9707031,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.3115580081939697},{"word":"side","start":634.29,"end":634.79,"confidence":0.9848633,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.25398921966552734},{"word":"perfect","start":637.01,"end":637.51,"confidence":0.98535156,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6971556544303894},{"word":"is","start":637.64996,"end":637.81,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"positive","sentiment_score":0.42270293831825256},{"word":"there","start":637.81,"end":637.97,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.40794306993484497},{"word":"anything","start":637.97,"end":638.37,"confidence":1.0,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.4453354477882385},{"word":"else","start":638.37,"end":638.77,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.4913360178470611},{"word":"on","start":638.77,"end":638.93,"confidence":0.8886719,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3936527967453003},{"word":"the","start":638.93,"end":639.08997,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35549551248550415},{"word":"cards","start":639.08997,"end":639.33,"confidence":0.97314453,"punctuated_word":"cards","sentiment":"neutral","sentiment_score":0.26793283224105835},{"word":"for","start":639.33,"end":639.49,"confidence":0.96240234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28278622031211853},{"word":"you","start":639.49,"end":639.57,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.463766872882843},{"word":"in","start":639.57,"end":639.64996,"confidence":0.9135742,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3372003138065338},{"word":"the","start":639.64996,"end":639.81,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4050663709640503},{"word":"next","start":639.81,"end":639.97,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2586420476436615},{"word":"three","start":639.97,"end":640.21,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.28399983048439026},{"word":"to","start":640.21,"end":640.37,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22266408801078796},{"word":"five","start":640.37,"end":640.61,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2734423875808716},{"word":"years","start":640.61,"end":641.11,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.3252333402633667},{"word":"goals","start":641.17,"end":641.57,"confidence":0.51464844,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.39012184739112854},{"word":"wise","start":641.57,"end":641.81,"confidence":0.9667969,"punctuated_word":"wise","sentiment":"positive","sentiment_score":0.4087533354759216},{"word":"that","start":641.81,"end":642.05,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23831090331077576},{"word":"we","start":642.05,"end":642.21,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.38329240679740906},{"word":"haven't","start":642.21,"end":642.52997,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.29995229840278625},{"word":"already","start":642.52997,"end":643.02997,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.2994546890258789},{"word":"talked","start":643.47504,"end":643.635,"confidence":0.9921875,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.22478821873664856},{"word":"about","start":643.635,"end":644.135,"confidence":0.9445801,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":0.21801260113716123},{"word":"okay","start":647.23505,"end":647.47504,"confidence":0.9838867,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05504313111305237},{"word":"so","start":647.47504,"end":647.715,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04868749529123306},{"word":"it's","start":647.715,"end":647.875,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09606122225522996},{"word":"really","start":647.875,"end":648.11505,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.15256568789482117},{"word":"just","start":648.11505,"end":648.61505,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17407609522342682},{"word":"fix","start":648.755,"end":649.075,"confidence":0.875,"punctuated_word":"fix","sentiment":"neutral","sentiment_score":0.18100914359092712},{"word":"up","start":649.075,"end":649.23505,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.19883424043655396},{"word":"the","start":649.23505,"end":649.395,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18271514773368835},{"word":"house","start":649.395,"end":649.79504,"confidence":0.92871094,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":0.15835295617580414},{"word":"maybe","start":649.79504,"end":650.03503,"confidence":0.99316406,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.16838577389717102},{"word":"a","start":650.03503,"end":650.11505,"confidence":0.55322266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18225456774234772},{"word":"bit","start":650.11505,"end":650.275,"confidence":0.9350586,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2021389603614807},{"word":"of","start":650.275,"end":650.43506,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1985025554895401},{"word":"holidays","start":650.43506,"end":650.93506,"confidence":0.96118164,"punctuated_word":"holidays,","sentiment":"neutral","sentiment_score":0.15707454085350037},{"word":"pay","start":650.99506,"end":651.155,"confidence":0.9716797,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13249251246452332},{"word":"off","start":651.155,"end":651.315,"confidence":0.9951172,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.08688239753246307},{"word":"that","start":651.315,"end":651.55505,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10388732701539992},{"word":"mortgage","start":651.55505,"end":652.05505,"confidence":0.9875488,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.15644583106040957},{"word":"are","start":652.755,"end":652.91504,"confidence":0.8642578,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.08735604584217072},{"word":"you","start":652.91504,"end":653.155,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1365722268819809},{"word":"the","start":653.155,"end":653.315,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12991054356098175},{"word":"type","start":653.315,"end":653.47504,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.10414795577526093},{"word":"of","start":653.47504,"end":653.635,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1527601182460785},{"word":"person","start":653.635,"end":653.875,"confidence":0.9567871,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.17818158864974976},{"word":"lauren","start":653.875,"end":654.275,"confidence":0.95703125,"punctuated_word":"Lauren,","sentiment":"neutral","sentiment_score":0.15852540731430054},{"word":"to","start":654.275,"end":654.35504,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1343952715396881},{"word":"look","start":654.35504,"end":654.515,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13392597436904907},{"word":"into","start":654.515,"end":654.91504,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17283810675144196},{"word":"investing","start":654.91504,"end":655.395,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.13933290541172028},{"word":"one","start":655.395,"end":655.55505,"confidence":0.89990234,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.062328822910785675},{"word":"day","start":655.55505,"end":655.715,"confidence":0.8125,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.1248357817530632},{"word":"or","start":655.715,"end":655.875,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06611566245555878},{"word":"are","start":655.875,"end":655.955,"confidence":0.5449219,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05985619872808456},{"word":"you","start":655.955,"end":656.11505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1350087672472},{"word":"just","start":656.11505,"end":656.35504,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.085556760430336},{"word":"happy","start":656.35504,"end":656.59503,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.1089545637369156},{"word":"to","start":656.59503,"end":657.09503,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11233589053153992},{"word":"have","start":657.26,"end":657.5,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08189329504966736},{"word":"that","start":657.5,"end":657.66,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1076832041144371},{"word":"stable","start":657.66,"end":658.16,"confidence":1.0,"punctuated_word":"stable","sentiment":"neutral","sentiment_score":0.15425366163253784},{"word":"base","start":662.86,"end":663.18,"confidence":0.9946289,"punctuated_word":"base?","sentiment":"neutral","sentiment_score":-0.16791599988937378},{"word":"that's","start":663.18,"end":663.5,"confidence":0.7680664,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05503344163298607},{"word":"totally","start":663.5,"end":663.89996,"confidence":0.9741211,"punctuated_word":"totally","sentiment":"neutral","sentiment_score":0.01116812229156494},{"word":"fair","start":663.89996,"end":664.39996,"confidence":1.0,"punctuated_word":"fair.","sentiment":"neutral","sentiment_score":-0.053995393216609955},{"word":"i","start":665.1,"end":665.26,"confidence":0.67529297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06072097644209862},{"word":"was","start":665.26,"end":665.5,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05078844353556633},{"word":"looking","start":665.5,"end":665.89996,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.04264167696237564},{"word":"at","start":665.89996,"end":666.22,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06154511123895645},{"word":"your","start":666.22,"end":666.72,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04249713569879532},{"word":"beneficiary","start":666.77997,"end":667.27997,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.024488605558872223},{"word":"nominations","start":667.33997,"end":667.83997,"confidence":0.97631836,"punctuated_word":"nominations.","sentiment":"neutral","sentiment_score":-0.02203569933772087},{"word":"there","start":667.89996,"end":668.06,"confidence":1.0,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.09344978630542757},{"word":"was","start":668.06,"end":668.22,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09259640425443648},{"word":"a","start":668.22,"end":668.3,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.087082639336586},{"word":"note","start":668.3,"end":668.54,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.1951430141925812},{"word":"here","start":668.54,"end":668.7,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.11267706751823424},{"word":"that","start":668.7,"end":668.94,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11440980434417725},{"word":"you","start":668.94,"end":669.02,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18616260588169095},{"word":"don't","start":669.02,"end":669.26,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16664673388004303},{"word":"really","start":669.26,"end":669.5,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.17817841470241547},{"word":"wanna","start":669.5,"end":669.82,"confidence":0.74365234,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1820676028728485},{"word":"put","start":669.82,"end":669.98,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.18729496002197263},{"word":"in","start":669.98,"end":670.14,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19549712538719177},{"word":"place","start":670.14,"end":670.54,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.18867263197898865},{"word":"a","start":670.54,"end":670.7,"confidence":0.9243164,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2170957624912262},{"word":"beneficiary","start":670.7,"end":671.2,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.21960778534412384},{"word":"nomination","start":671.33997,"end":671.82,"confidence":0.99902344,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":-0.1857299655675888},{"word":"at","start":671.82,"end":671.98,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.26835912466049194},{"word":"this","start":671.98,"end":672.22,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.26880374550819397},{"word":"point","start":672.22,"end":672.615,"confidence":0.75756836,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.22011563181877136},{"word":"probably","start":672.695,"end":672.855,"confidence":0.99609375,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.09058518707752228},{"word":"just","start":672.855,"end":672.975,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11004125326871872},{"word":"sort","start":672.975,"end":673.095,"confidence":0.4453125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.13467341661453247},{"word":"out","start":673.095,"end":673.255,"confidence":0.7272949,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.08701919764280319},{"word":"like","start":673.255,"end":673.575,"confidence":0.9863281,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07387684285640717},{"word":"a","start":673.575,"end":673.735,"confidence":0.84472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10704439878463744},{"word":"will","start":673.735,"end":674.235,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.11732499301433565},{"word":"and","start":674.455,"end":674.695,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14266252517700195},{"word":"a","start":674.695,"end":674.77496,"confidence":0.9428711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13194048404693604},{"word":"power","start":674.77496,"end":675.095,"confidence":0.99609375,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.09050342440605164},{"word":"of","start":675.095,"end":675.255,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11140938103199004},{"word":"attorney","start":675.255,"end":675.735,"confidence":0.9675293,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":-0.13120001554489136},{"word":"did","start":675.735,"end":675.895,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.07330767810344696},{"word":"you","start":675.895,"end":676.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08070817589759827},{"word":"want","start":676.055,"end":676.21497,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.07274002581834793},{"word":"me","start":676.21497,"end":676.375,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0711875706911087},{"word":"to","start":676.375,"end":676.535,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10734784603118896},{"word":"add","start":676.535,"end":676.77496,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":-0.06916108727455139},{"word":"anybody","start":676.77496,"end":677.175,"confidence":1.0,"punctuated_word":"anybody","sentiment":"neutral","sentiment_score":-0.06400139629840851},{"word":"on","start":677.175,"end":677.415,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05550406500697136},{"word":"there","start":677.415,"end":677.575,"confidence":0.9863281,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1142096072435379},{"word":"for","start":677.575,"end":677.735,"confidence":0.49804688,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10280151665210724},{"word":"the","start":677.735,"end":677.895,"confidence":0.8769531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1258566677570343},{"word":"sofa","start":677.895,"end":678.395,"confidence":0.7072754,"punctuated_word":"sofa?","sentiment":"neutral","sentiment_score":-0.11004910618066788},{"word":"okay","start":684.055,"end":684.555,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.008626768365502357},{"word":"if","start":684.71,"end":684.95,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.049981147050857544},{"word":"at","start":684.95,"end":685.11,"confidence":0.9667969,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.049814239144325256},{"word":"any","start":685.11,"end":685.35,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07496146112680435},{"word":"point","start":685.35,"end":685.67,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.055379267781972885},{"word":"you","start":685.67,"end":686.17,"confidence":0.8105469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08414800465106964},{"word":"put","start":686.23,"end":686.55,"confidence":0.8569336,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0953005701303482},{"word":"in","start":686.55,"end":686.71,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0724777951836586},{"word":"place","start":686.71,"end":686.95,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.06978681683540344},{"word":"a","start":686.95,"end":687.11,"confidence":0.95410156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07589393109083176},{"word":"will","start":687.11,"end":687.59,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07928674668073654},{"word":"and","start":687.59,"end":687.83,"confidence":0.8857422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07815425097942352},{"word":"you","start":687.83,"end":687.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07893717288970947},{"word":"want","start":687.99,"end":688.31,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07562650740146637},{"word":"your","start":688.31,"end":688.55,"confidence":0.97802734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07626762986183167},{"word":"super","start":688.55,"end":688.87,"confidence":0.5751953,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13831552863121033},{"word":"to","start":688.87,"end":688.95,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11037442088127136},{"word":"go","start":688.95,"end":689.11,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10470172017812727},{"word":"to","start":689.11,"end":689.19,"confidence":0.9243164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11251091212034224},{"word":"your","start":689.19,"end":689.35,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08006007969379425},{"word":"mother","start":689.35,"end":689.67,"confidence":0.97094727,"punctuated_word":"mother,","sentiment":"neutral","sentiment_score":0.10496393591165544},{"word":"for","start":689.67,"end":689.83,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07367771863937378},{"word":"example","start":689.83,"end":690.33,"confidence":0.9975586,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.12237755209207536},{"word":"you","start":690.71,"end":690.87,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.194734588265419},{"word":"can","start":690.87,"end":691.19,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16122792661190033},{"word":"actually","start":691.19,"end":691.67,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.15610943734645844},{"word":"direct","start":691.67,"end":691.99,"confidence":0.9980469,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.15923860669136047},{"word":"your","start":691.99,"end":692.23,"confidence":0.89746094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12435617297887802},{"word":"super","start":692.23,"end":692.55,"confidence":0.86621094,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1884531527757645},{"word":"towards","start":692.55,"end":692.95,"confidence":0.98828125,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.1959587335586548},{"word":"the","start":692.95,"end":693.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15411843359470367},{"word":"will","start":693.11,"end":693.35,"confidence":0.95947266,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19727137684822085},{"word":"as","start":693.35,"end":693.51,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19125422835350037},{"word":"well","start":693.51,"end":694.01,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13125860691070557},{"word":"so","start":694.07,"end":694.23,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14010949432849884},{"word":"if","start":694.23,"end":694.47003,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16613972187042236},{"word":"you","start":694.47003,"end":694.63,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16502487659454346},{"word":"go","start":694.63,"end":694.95,"confidence":0.93115234,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17331689596176147},{"word":"to","start":694.95,"end":695.27,"confidence":0.91015625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15140920877456665},{"word":"do","start":695.27,"end":695.35,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12464289367198944},{"word":"that","start":695.35,"end":695.67,"confidence":0.97753906,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11881931126117706},{"word":"whether","start":695.67,"end":696.07,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06330999732017517},{"word":"it's","start":696.07,"end":696.23,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06792010366916656},{"word":"through","start":696.23,"end":696.55,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0458766296505928},{"word":"a","start":696.55,"end":696.63,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06392853707075119},{"word":"solicitor","start":696.63,"end":697.13,"confidence":1.0,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.0758836567401886},{"word":"like","start":698.135,"end":698.295,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07118940353393555},{"word":"a","start":698.295,"end":698.615,"confidence":0.5888672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08063866198062897},{"word":"courthouse","start":698.615,"end":699.09503,"confidence":0.80737305,"punctuated_word":"courthouse,","sentiment":"neutral","sentiment_score":0.06492823362350464},{"word":"public","start":699.09503,"end":699.41504,"confidence":0.99609375,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.09361852705478668},{"word":"trustee","start":699.41504,"end":699.815,"confidence":0.9921875,"punctuated_word":"trustee","sentiment":"neutral","sentiment_score":0.10708987712860107},{"word":"of","start":699.815,"end":699.97504,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07857060432434082},{"word":"the","start":699.97504,"end":700.135,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.055768851190805435},{"word":"state","start":700.135,"end":700.635,"confidence":0.9267578,"punctuated_word":"state,","sentiment":"neutral","sentiment_score":0.0801633894443512},{"word":"or","start":700.85504,"end":701.015,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08616273105144501},{"word":"even","start":701.015,"end":701.335,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.08994771540164948},{"word":"a","start":701.335,"end":701.41504,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1037874072790146},{"word":"will","start":701.41504,"end":701.655,"confidence":0.93115234,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10894006490707396},{"word":"kit","start":701.655,"end":701.895,"confidence":0.9819336,"punctuated_word":"kit","sentiment":"neutral","sentiment_score":0.11518602818250656},{"word":"for","start":701.895,"end":702.055,"confidence":0.9394531,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1330614984035492},{"word":"25","start":702.055,"end":702.615,"confidence":0.9975586,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.07950760424137115},{"word":"pucks","start":702.615,"end":702.85504,"confidence":0.67626953,"punctuated_word":"pucks","sentiment":"neutral","sentiment_score":0.10273388028144836},{"word":"at","start":702.85504,"end":703.015,"confidence":0.96240234,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09661026298999786},{"word":"the","start":703.015,"end":703.09503,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08803069591522217},{"word":"post","start":703.09503,"end":703.41504,"confidence":0.9921875,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.07793522626161575},{"word":"office","start":703.41504,"end":703.91504,"confidence":0.8479004,"punctuated_word":"office,","sentiment":"neutral","sentiment_score":0.09813668578863144},{"word":"if","start":704.055,"end":704.215,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16357699036598206},{"word":"you","start":704.215,"end":704.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14379937946796417},{"word":"do","start":704.455,"end":704.615,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12320825457572936},{"word":"wanna","start":704.615,"end":704.935,"confidence":0.5229492,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17690972983837128},{"word":"include","start":704.935,"end":705.255,"confidence":0.99902344,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.13789503276348114},{"word":"the","start":705.255,"end":705.495,"confidence":0.83740234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1371597796678543},{"word":"super","start":705.495,"end":705.895,"confidence":0.84716797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18331363797187805},{"word":"in","start":705.895,"end":706.215,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15615567564964294},{"word":"that","start":706.215,"end":706.715,"confidence":0.9941406,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1613972634077072},{"word":"we","start":706.935,"end":707.09503,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1898329555988312},{"word":"can","start":707.09503,"end":707.575,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2007138729095459},{"word":"fix","start":707.575,"end":707.815,"confidence":0.9658203,"punctuated_word":"fix","sentiment":"neutral","sentiment_score":0.20549112558364868},{"word":"up","start":707.815,"end":707.97504,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.18028895556926727},{"word":"a","start":707.97504,"end":708.135,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18839281797409055},{"word":"nomination","start":708.135,"end":708.635,"confidence":0.97998047,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.144782155752182},{"word":"to","start":708.695,"end":708.85504,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17937922477722168},{"word":"go","start":708.85504,"end":709.015,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15942561626434326},{"word":"in","start":709.015,"end":709.175,"confidence":0.96777344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11235423386096954},{"word":"that","start":709.175,"end":709.335,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10016683489084244},{"word":"direction","start":709.335,"end":709.835,"confidence":0.9980469,"punctuated_word":"direction","sentiment":"neutral","sentiment_score":0.1061888262629509},{"word":"too","start":709.895,"end":710.215,"confidence":0.8666992,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.07903105765581131},{"word":"so","start":710.215,"end":710.295,"confidence":0.67041016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07477782666683197},{"word":"just","start":710.295,"end":710.53503,"confidence":0.7495117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08464767038822174},{"word":"gonna","start":710.53503,"end":710.85504,"confidence":0.7998047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.094094917178154},{"word":"let","start":710.85504,"end":711.015,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.0664048045873642},{"word":"us","start":711.015,"end":711.175,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.09030462801456451},{"word":"know","start":711.175,"end":711.66,"confidence":0.97021484,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.09732735902071},{"word":"k","start":714.94,"end":715.33997,"confidence":0.8491211,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.01386295072734356},{"word":"last","start":715.33997,"end":715.57996,"confidence":0.99121094,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.011203575879335403},{"word":"two","start":715.57996,"end":715.81995,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.01034855842590332},{"word":"things","start":715.81995,"end":716.06,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0014369189739227295},{"word":"for","start":716.06,"end":716.3,"confidence":0.62939453,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.017892051488161087},{"word":"me","start":716.3,"end":716.8,"confidence":0.9482422,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.013227524235844612},{"word":"you've","start":717.5,"end":717.81995,"confidence":0.8911133,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.035878803580999374},{"word":"got","start":717.81995,"end":718.31995,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.030611641705036163},{"word":"a","start":718.37994,"end":718.45996,"confidence":0.8720703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030944332480430603},{"word":"neos","start":718.45996,"end":718.95996,"confidence":0.642334,"punctuated_word":"Neos","sentiment":"neutral","sentiment_score":-0.06647920608520508},{"word":"income","start":719.01996,"end":719.33997,"confidence":0.98828125,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.04882127419114113},{"word":"protection","start":719.33997,"end":719.83997,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.049062423408031464},{"word":"and","start":720.94,"end":721.42,"confidence":0.7138672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06190261244773865},{"word":"no","start":721.42,"end":721.66,"confidence":0.9863281,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.09659527987241744},{"word":"life","start":721.66,"end":721.81995,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.15709218382835388},{"word":"and","start":721.81995,"end":722.06,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15915340185165405},{"word":"disability","start":722.06,"end":722.54,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.09269420802593233},{"word":"insurance","start":722.54,"end":722.86,"confidence":0.95166016,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.10567651689052582},{"word":"there's","start":722.86,"end":723.1,"confidence":0.9711914,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.13864319026470184},{"word":"a","start":723.1,"end":723.18,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15707026422023773},{"word":"note","start":723.18,"end":723.42,"confidence":0.9980469,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.2102431356906891},{"word":"here","start":723.42,"end":723.57996,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.20373061299324036},{"word":"that","start":723.57996,"end":723.74,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16787394881248474},{"word":"it's","start":723.74,"end":723.89996,"confidence":0.9880371,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2225884199142456},{"word":"not","start":723.89996,"end":724.06,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.21239730715751648},{"word":"really","start":724.06,"end":724.3,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.22917595505714417},{"word":"that","start":724.3,"end":724.54,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21746613085269928},{"word":"important","start":724.54,"end":724.94,"confidence":0.99902344,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.25190386176109314},{"word":"for","start":724.94,"end":725.1,"confidence":0.64746094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15070809423923492},{"word":"you","start":725.1,"end":725.18,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21119768917560575},{"word":"at","start":725.18,"end":725.33997,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.20964069664478305},{"word":"the","start":725.33997,"end":725.42,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1922193467617035},{"word":"moment","start":725.42,"end":725.74,"confidence":0.9003906,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.17199650406837463},{"word":"mainly","start":725.74,"end":726.13995,"confidence":0.9941406,"punctuated_word":"mainly","sentiment":"neutral","sentiment_score":-0.18441042304039},{"word":"just","start":726.13995,"end":726.45996,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16586579382419586},{"word":"the","start":726.45996,"end":726.54,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14568738639354706},{"word":"income","start":726.54,"end":727.005,"confidence":0.99121094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.20435112714767456},{"word":"protection","start":727.005,"end":727.165,"confidence":0.9187012,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.11732786148786543},{"word":"is","start":727.165,"end":727.485,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.021324364468455315},{"word":"that","start":727.485,"end":727.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03897682577371597},{"word":"right","start":729.28503,"end":729.78503,"confidence":0.9995117,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":-0.027594761922955513},{"word":"k","start":731.085,"end":731.565,"confidence":0.7281494,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.025821134448051453},{"word":"we've","start":731.565,"end":731.805,"confidence":0.9975586,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.20350663363933563},{"word":"got","start":731.805,"end":732.305,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.18015046417713165},{"word":"1,441","start":732.765,"end":734.925,"confidence":0.9934431,"punctuated_word":"1,441","sentiment":"neutral","sentiment_score":-0.1388532817363739},{"word":"per","start":734.925,"end":735.165,"confidence":0.9970703,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.152992382645607},{"word":"year","start":735.165,"end":735.665,"confidence":0.9951172,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.14706102013587952},{"word":"it","start":735.805,"end":735.965,"confidence":0.9770508,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.3954428732395172},{"word":"comes","start":735.965,"end":736.28503,"confidence":1.0,"punctuated_word":"comes","sentiment":"negative","sentiment_score":-0.3960361182689667},{"word":"out","start":736.28503,"end":736.445,"confidence":0.9873047,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.3802828788757324},{"word":"with","start":736.445,"end":736.685,"confidence":0.93408203,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4230877459049225},{"word":"a","start":736.685,"end":736.84503,"confidence":0.82714844,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5453649759292603},{"word":"expensive","start":737.165,"end":737.665,"confidence":0.5938721,"punctuated_word":"expensive.","sentiment":"negative","sentiment_score":-0.4575870633125305},{"word":"we've","start":742.29004,"end":742.61005,"confidence":0.9970703,"punctuated_word":"We've","sentiment":"negative","sentiment_score":-0.34033530950546265},{"word":"got","start":742.61005,"end":742.85004,"confidence":1.0,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.3621698319911957},{"word":"a","start":742.85004,"end":743.17004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30500328540802},{"word":"four","start":743.17004,"end":743.41003,"confidence":0.8540039,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.31012389063835144},{"word":"week","start":743.41003,"end":743.73004,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.25861066579818726},{"word":"waiting","start":743.73004,"end":743.97003,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.26089000701904297},{"word":"period","start":743.97003,"end":744.29004,"confidence":0.94091797,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":-0.29531216621398926},{"word":"so","start":744.29004,"end":744.45,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1908758580684662},{"word":"if","start":744.45,"end":744.53,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2068435251712799},{"word":"you're","start":744.53,"end":744.69,"confidence":0.7468262,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2192850559949875},{"word":"out","start":744.69,"end":744.85004,"confidence":0.8173828,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2244499921798706},{"word":"of","start":744.85004,"end":744.93,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26903095841407776},{"word":"work","start":744.93,"end":745.09,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.3062337636947632},{"word":"for","start":745.09,"end":745.25,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2617381811141968},{"word":"a","start":745.25,"end":745.33,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23301663994789124},{"word":"month","start":745.33,"end":745.57,"confidence":0.99560547,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.20147822797298431},{"word":"it'll","start":745.57,"end":745.81,"confidence":0.9770508,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.14664991199970245},{"word":"kick","start":745.81,"end":746.05,"confidence":0.99902344,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":-0.09835870563983916},{"word":"in","start":746.05,"end":746.55,"confidence":0.96240234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10150030255317688},{"word":"monthly","start":747.17004,"end":747.67004,"confidence":0.85375977,"punctuated_word":"monthly,","sentiment":"neutral","sentiment_score":-0.13119810819625854},{"word":"and","start":748.13,"end":748.29004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11299297213554382},{"word":"we'll","start":748.29004,"end":748.53,"confidence":0.9680176,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.1199568510055542},{"word":"pay","start":748.53,"end":748.69,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.15679441392421722},{"word":"you","start":748.69,"end":748.93,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17144474387168884},{"word":"up","start":748.93,"end":749.09,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1344132125377655},{"word":"to","start":749.09,"end":749.41003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17003880441188812},{"word":"five","start":749.41003,"end":749.73004,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.17041374742984772},{"word":"years","start":749.73004,"end":750.23004,"confidence":0.9995117,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.137131005525589},{"word":"now","start":750.53,"end":751.03,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.05153561383485794},{"word":"the","start":751.09,"end":751.33,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.044545821845531464},{"word":"one","start":751.33,"end":751.57,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.054944828152656555},{"word":"question","start":751.57,"end":751.97003,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.04281201213598251},{"word":"i","start":751.97003,"end":752.13,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06873263418674469},{"word":"have","start":752.13,"end":752.29004,"confidence":0.95703125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0525151789188385},{"word":"for","start":752.29004,"end":752.45,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05764809250831604},{"word":"you","start":752.45,"end":752.61005,"confidence":0.9897461,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.04110308364033699},{"word":"lauren","start":752.61005,"end":753.09,"confidence":0.85009766,"punctuated_word":"Lauren,","sentiment":"neutral","sentiment_score":-0.024030517786741257},{"word":"is","start":753.09,"end":753.25,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.029383797198534012},{"word":"your","start":753.25,"end":753.75,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03792912885546684},{"word":"cover","start":754.21497,"end":754.535,"confidence":0.75097656,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.05829574540257454},{"word":"amount","start":754.535,"end":755.035,"confidence":0.84155273,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":-0.04951650649309158},{"word":"4,499","start":755.33496,"end":757.495,"confidence":0.98214287,"punctuated_word":"4,499","sentiment":"neutral","sentiment_score":-0.035434283316135406},{"word":"a","start":757.495,"end":757.65497,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04652370512485504},{"word":"month","start":757.65497,"end":758.15497,"confidence":0.80688477,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.05371812731027603},{"word":"so","start":758.295,"end":758.45496,"confidence":0.65234375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.044714801013469696},{"word":"call","start":758.45496,"end":758.77496,"confidence":0.80615234,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.030905965715646744},{"word":"it","start":758.77496,"end":758.935,"confidence":0.97998047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.033274389803409576},{"word":"$4,500","start":758.935,"end":759.975,"confidence":0.9632162,"punctuated_word":"$4,500","sentiment":"neutral","sentiment_score":-0.04537491500377655},{"word":"a","start":759.975,"end":760.055,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.043200962245464325},{"word":"month","start":760.055,"end":760.295,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.04684330150485039},{"word":"you","start":760.295,"end":760.535,"confidence":0.93603516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07778618484735489},{"word":"would","start":760.535,"end":760.615,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.07087095081806183},{"word":"get","start":760.615,"end":760.855,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0668698400259018},{"word":"if","start":760.855,"end":761.01495,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08908703923225403},{"word":"you're","start":761.01495,"end":761.415,"confidence":0.9736328,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.09869667142629623},{"word":"off","start":761.415,"end":761.495,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.07689855247735977},{"word":"work","start":761.495,"end":761.995,"confidence":0.984375,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.0829034298658371},{"word":"you've","start":762.855,"end":763.095,"confidence":0.9995117,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.24004828929901123},{"word":"got","start":763.095,"end":763.255,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3164810538291931},{"word":"one","start":763.255,"end":763.495,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3385821580886841},{"word":"of","start":763.495,"end":763.57495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30925461649894714},{"word":"those","start":763.57495,"end":763.89496,"confidence":1.0,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.45687559247016907},{"word":"really","start":763.89496,"end":764.13495,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4045354425907135},{"word":"good","start":764.13495,"end":764.615,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2996382415294647},{"word":"75%","start":764.615,"end":765.815,"confidence":0.99641925,"punctuated_word":"75%","sentiment":"neutral","sentiment_score":0.2997394800186157},{"word":"policies","start":765.815,"end":766.315,"confidence":0.6748047,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.2791653275489807},{"word":"that","start":766.45496,"end":766.77496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26415592432022095},{"word":"just","start":766.77496,"end":767.095,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1969243288040161},{"word":"stopped","start":767.095,"end":767.415,"confidence":0.8034668,"punctuated_word":"stopped.","sentiment":"neutral","sentiment_score":0.27981701493263245},{"word":"the","start":767.415,"end":767.57495,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.23312976956367493},{"word":"government","start":767.57495,"end":767.975,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.23153144121170044},{"word":"kind","start":767.975,"end":768.21497,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.015094146132469176},{"word":"of","start":768.21497,"end":768.66,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10945916920900343},{"word":"banned","start":768.81995,"end":769.06,"confidence":0.9375,"punctuated_word":"banned","sentiment":"neutral","sentiment_score":0.06114119291305542},{"word":"it","start":769.06,"end":769.13995,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01308584213256836},{"word":"in","start":769.13995,"end":769.45996,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05443786084651947},{"word":"october","start":769.45996,"end":770.1,"confidence":0.9848633,"punctuated_word":"October","sentiment":"neutral","sentiment_score":0.05265660583972931},{"word":"2021","start":770.1,"end":770.74,"confidence":0.9848633,"punctuated_word":"2021,","sentiment":"neutral","sentiment_score":0.011914856731891632},{"word":"and","start":770.74,"end":770.89996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11173810809850691},{"word":"you","start":770.89996,"end":771.06,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2868334949016571},{"word":"got","start":771.06,"end":771.3,"confidence":0.5214844,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17070937156677246},{"word":"this","start":771.3,"end":771.45996,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16513390839099884},{"word":"in","start":771.45996,"end":771.62,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21628007292747495},{"word":"place","start":771.62,"end":771.86,"confidence":0.9980469,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2415173500776291},{"word":"in","start":771.86,"end":772.01996,"confidence":0.9448242,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2327124774456024},{"word":"september","start":772.01996,"end":772.51996,"confidence":0.9785156,"punctuated_word":"September,","sentiment":"neutral","sentiment_score":0.2369169294834137},{"word":"which","start":772.57996,"end":772.81995,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4487723708152771},{"word":"is","start":772.81995,"end":772.98,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5193420648574829},{"word":"great","start":772.98,"end":773.48,"confidence":0.81274414,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.3997209072113037},{"word":"but","start":774.5,"end":775.0,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.047319963574409485},{"word":"it's","start":775.37994,"end":775.62,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11933109164237976},{"word":"a","start":775.62,"end":775.77997,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1570306271314621},{"word":"little","start":775.77997,"end":775.94,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.21131590008735657},{"word":"bit","start":775.94,"end":776.18,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2533607482910156},{"word":"below","start":776.18,"end":776.5,"confidence":1.0,"punctuated_word":"below","sentiment":"neutral","sentiment_score":-0.23296572268009183},{"word":"what","start":776.5,"end":776.66,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.25593364238739014},{"word":"you","start":776.66,"end":776.81995,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2778738737106323},{"word":"could","start":776.81995,"end":777.06,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.32217228412628174},{"word":"be","start":777.06,"end":777.22,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2661049962043762},{"word":"insured","start":777.22,"end":777.69995,"confidence":0.9892578,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.17488297820091248},{"word":"for","start":777.69995,"end":778.19995,"confidence":0.92822266,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.1692710667848587},{"word":"so","start":778.81995,"end":779.31995,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008522190153598785},{"word":"if","start":779.45996,"end":779.69995,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03280272334814072},{"word":"you","start":779.69995,"end":779.86,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.049342237412929535},{"word":"base","start":779.86,"end":780.1,"confidence":0.9838867,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.027645602822303772},{"word":"it","start":780.1,"end":780.25995,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02954118698835373},{"word":"on","start":780.25995,"end":780.5,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.055467940866947174},{"word":"your","start":780.5,"end":781.0,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03247986361384392},{"word":"total","start":781.22,"end":781.62,"confidence":0.9902344,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.04469437152147293},{"word":"income","start":781.62,"end":782.12,"confidence":0.99853516,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.03600531816482544},{"word":"you","start":783.165,"end":783.325,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.049490202218294144},{"word":"could","start":783.325,"end":783.485,"confidence":0.68847656,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.04713953286409378},{"word":"have","start":783.485,"end":783.645,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.021004579961299896},{"word":"a","start":783.645,"end":783.72504,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023171838372945786},{"word":"maximum","start":783.72504,"end":784.22504,"confidence":1.0,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.04195262864232063},{"word":"cover","start":784.28503,"end":784.525,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.004109486937522888},{"word":"amount","start":784.525,"end":784.765,"confidence":0.9951172,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.01941116526722908},{"word":"of","start":784.765,"end":785.005,"confidence":0.9580078,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030538514256477356},{"word":"about","start":785.005,"end":785.325,"confidence":0.8647461,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02264905720949173},{"word":"5,500","start":785.325,"end":786.445,"confidence":0.9987793,"punctuated_word":"5,500","sentiment":"neutral","sentiment_score":0.026789985597133636},{"word":"a","start":786.445,"end":786.605,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00796280987560749},{"word":"month","start":786.605,"end":787.105,"confidence":0.8894043,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.016619205474853516},{"word":"you've","start":787.245,"end":787.485,"confidence":0.9946289,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.02223922125995159},{"word":"got","start":787.485,"end":787.72504,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0024966150522232056},{"word":"4,500","start":787.72504,"end":788.925,"confidence":0.9980469,"punctuated_word":"4,500","sentiment":"neutral","sentiment_score":0.01192638836801052},{"word":"a","start":788.925,"end":789.005,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0005941689014434814},{"word":"month","start":789.005,"end":789.505,"confidence":1.0,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.010036902502179146},{"word":"my","start":789.565,"end":789.805,"confidence":0.99902344,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.02370471879839897},{"word":"question","start":789.805,"end":790.125,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.02937082201242447},{"word":"really","start":790.125,"end":790.445,"confidence":0.96435547,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.055799707770347595},{"word":"is","start":790.445,"end":790.765,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05534980446100235},{"word":"if","start":790.765,"end":790.925,"confidence":0.63916016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07885795086622238},{"word":"you're","start":790.925,"end":791.165,"confidence":0.9758301,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1123676896095276},{"word":"off","start":791.165,"end":791.405,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.12018021941184998},{"word":"work","start":791.405,"end":791.645,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.1813209652900696},{"word":"for","start":791.645,"end":791.805,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.17620882391929626},{"word":"three","start":791.805,"end":792.125,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.16144344210624695},{"word":"months","start":792.125,"end":792.625,"confidence":0.9975586,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.13639721274375916},{"word":"would","start":793.085,"end":793.325,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11892636865377426},{"word":"you","start":793.325,"end":793.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13938549160957336},{"word":"be","start":793.485,"end":793.645,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15869727730751038},{"word":"able","start":793.645,"end":793.885,"confidence":0.9770508,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.1357939839363098},{"word":"to","start":793.885,"end":794.045,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17625442147254944},{"word":"survive","start":794.045,"end":794.445,"confidence":0.99902344,"punctuated_word":"survive","sentiment":"neutral","sentiment_score":-0.1487346589565277},{"word":"on","start":794.445,"end":794.605,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.18581824004650116},{"word":"that","start":794.605,"end":794.84503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14412075281143188},{"word":"kind","start":794.84503,"end":795.005,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.19703452289104464},{"word":"of","start":795.005,"end":795.165,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12267221510410307},{"word":"thousand","start":795.165,"end":795.565,"confidence":0.98291016,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.12738534808158877},{"word":"dollars","start":795.565,"end":795.885,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.11302725970745088},{"word":"a","start":795.885,"end":796.045,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11843749135732652},{"word":"week","start":796.045,"end":796.365,"confidence":0.9926758,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":-0.11442402005195618},{"word":"do","start":796.365,"end":796.53,"confidence":0.9199219,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0487334206700325},{"word":"you","start":796.69,"end":796.85004,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04739443212747574},{"word":"want","start":796.85004,"end":796.93005,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.037497010082006454},{"word":"me","start":796.93005,"end":796.97003,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.050135113298892975},{"word":"to","start":796.97003,"end":797.01,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05285035818815231},{"word":"look","start":797.01,"end":797.25,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.056993648409843445},{"word":"at","start":797.25,"end":797.33,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07036907970905304},{"word":"a","start":797.33,"end":797.41003,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.038678526878356934},{"word":"bit","start":797.41003,"end":797.49005,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.045522965490818024},{"word":"of","start":797.49005,"end":797.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04875226318836212},{"word":"an","start":797.65,"end":797.81006,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.054003555327653885},{"word":"increased","start":797.81006,"end":798.31006,"confidence":0.84765625,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":-0.03018391877412796},{"word":"quote","start":798.37006,"end":798.87006,"confidence":0.9975586,"punctuated_word":"quote?","sentiment":"neutral","sentiment_score":-0.0390174575150013},{"word":"what's","start":799.25,"end":799.49005,"confidence":1.0,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.006006280891597271},{"word":"your","start":799.49005,"end":799.73004,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.002025052905082702},{"word":"preference","start":799.73004,"end":800.23004,"confidence":0.99902344,"punctuated_word":"preference?","sentiment":"neutral","sentiment_score":0.008928190916776657},{"word":"it","start":814.945,"end":815.185,"confidence":0.50878906,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.04699975624680519},{"word":"probably","start":815.185,"end":815.58496,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1569129377603531},{"word":"wouldn't","start":815.58496,"end":815.90497,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.09817083179950714},{"word":"cost","start":815.90497,"end":816.225,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.14482468366622925},{"word":"too","start":816.225,"end":816.46497,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.17817513644695282},{"word":"much","start":816.46497,"end":816.70496,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1630275547504425},{"word":"to","start":816.70496,"end":816.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1856476813554764},{"word":"bump","start":816.865,"end":817.02496,"confidence":1.0,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":-0.1880870759487152},{"word":"it","start":817.02496,"end":817.26495,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2106196731328964},{"word":"up","start":817.26495,"end":817.345,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.16456857323646543},{"word":"a","start":817.345,"end":817.505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15697871148586273},{"word":"little","start":817.505,"end":817.745,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.16147781908512115},{"word":"bit","start":817.745,"end":818.245,"confidence":1.0,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.13003908097743988},{"word":"i'm","start":818.625,"end":818.865,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07717063277959824},{"word":"thinking","start":818.865,"end":819.365,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.0810370072722435},{"word":"if","start":819.985,"end":820.225,"confidence":0.9370117,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07363012433052063},{"word":"it","start":820.225,"end":820.385,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07040172815322876},{"word":"goes","start":820.385,"end":820.625,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.06928764283657074},{"word":"from","start":820.625,"end":820.865,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.06525459885597229},{"word":"4,500","start":820.865,"end":821.665,"confidence":0.9926758,"punctuated_word":"4,500","sentiment":"neutral","sentiment_score":-0.0774301290512085},{"word":"to","start":821.665,"end":821.825,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10446473956108092},{"word":"5,500","start":821.825,"end":822.82,"confidence":0.9965007,"punctuated_word":"5,500,","sentiment":"neutral","sentiment_score":-0.07196968048810959},{"word":"it","start":822.82,"end":822.89996,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11718963831663132},{"word":"may","start":822.89996,"end":823.13995,"confidence":0.9667969,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.11086563766002656},{"word":"only","start":823.13995,"end":823.3,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1064806878566742},{"word":"go","start":823.3,"end":823.45996,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.10981214791536333},{"word":"up","start":823.45996,"end":823.62,"confidence":0.97998047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.10475759208202362},{"word":"a","start":823.62,"end":823.7,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10766001790761948},{"word":"couple","start":823.7,"end":824.01996,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.15298138558864594},{"word":"$100","start":824.01996,"end":824.57996,"confidence":0.80029297,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":-0.12017974257469176},{"word":"a","start":824.57996,"end":824.66,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12096789479255676},{"word":"year","start":824.66,"end":825.16,"confidence":0.9980469,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.10600078850984572},{"word":"do","start":825.38,"end":825.54,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.03499198332428932},{"word":"you","start":825.54,"end":825.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027265481650829315},{"word":"want","start":825.7,"end":825.86,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.022190745919942856},{"word":"me","start":825.86,"end":826.01996,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.025504756718873978},{"word":"to","start":826.01996,"end":826.1,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03264927491545677},{"word":"get","start":826.1,"end":826.26,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03702822700142861},{"word":"a","start":826.26,"end":826.33997,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028911681845784187},{"word":"bit","start":826.33997,"end":826.5,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.009599544107913973},{"word":"of","start":826.5,"end":826.57996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0223621129989624},{"word":"an","start":826.57996,"end":826.74,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03626579791307449},{"word":"alteration","start":826.74,"end":827.24,"confidence":0.99902344,"punctuated_word":"alteration","sentiment":"neutral","sentiment_score":-0.015176590532064438},{"word":"quote","start":827.3,"end":827.54,"confidence":0.9863281,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":-0.023605123162269592},{"word":"with","start":827.54,"end":827.77997,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.024416513741016388},{"word":"niels","start":827.77997,"end":828.01996,"confidence":0.57629395,"punctuated_word":"Niels","sentiment":"neutral","sentiment_score":0.016097059473395348},{"word":"and","start":828.01996,"end":828.26,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01575733721256256},{"word":"just","start":828.26,"end":828.5,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.027679823338985443},{"word":"run","start":828.5,"end":828.74,"confidence":0.9941406,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.031160656362771988},{"word":"you","start":828.74,"end":828.89996,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023550186306238174},{"word":"through","start":828.89996,"end":829.06,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.027748480439186096},{"word":"that","start":829.06,"end":829.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011140916496515274},{"word":"when","start":829.22,"end":829.45996,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.017541788518428802},{"word":"i","start":829.45996,"end":829.54,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009254388511180878},{"word":"go","start":829.54,"end":829.77997,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.01172930747270584},{"word":"through","start":829.77997,"end":829.94,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02170681580901146},{"word":"the","start":829.94,"end":830.1,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00119858980178833},{"word":"portfolio","start":830.1,"end":830.6,"confidence":0.9873047,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.04357048496603966},{"word":"update","start":830.74,"end":831.24,"confidence":0.99072266,"punctuated_word":"update?","sentiment":"neutral","sentiment_score":-0.01554805040359497},{"word":"yeah","start":840.755,"end":841.15497,"confidence":0.78564453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07145902514457703},{"word":"no","start":841.15497,"end":841.315,"confidence":0.99902344,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.11633774638175964},{"word":"worries","start":841.315,"end":841.635,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.09404484182596208},{"word":"at","start":841.635,"end":841.795,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05971015989780426},{"word":"all","start":841.795,"end":841.955,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.12231570482254028},{"word":"i'll","start":841.955,"end":842.115,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13008831441402435},{"word":"put","start":842.115,"end":842.275,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.13674300909042358},{"word":"a","start":842.275,"end":842.435,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13765770196914673},{"word":"note","start":842.435,"end":842.595,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.13150455057621002},{"word":"down","start":842.595,"end":842.835,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13416481018066406},{"word":"that","start":842.835,"end":842.915,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10437329113483428},{"word":"we'll","start":842.915,"end":843.15497,"confidence":0.9658203,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09533514082431792},{"word":"leave","start":843.15497,"end":843.315,"confidence":0.9941406,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.092598058283329},{"word":"that","start":843.315,"end":843.555,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.086669921875},{"word":"there","start":843.555,"end":843.955,"confidence":0.810791,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.10665541142225266},{"word":"and","start":843.955,"end":844.195,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0992070734500885},{"word":"i'll","start":844.195,"end":844.275,"confidence":0.9909668,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07911016792058945},{"word":"just","start":844.275,"end":844.515,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08406662940979004},{"word":"put","start":844.515,"end":844.675,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.06381279230117798},{"word":"some","start":844.675,"end":844.915,"confidence":0.9892578,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05542674660682678},{"word":"context","start":844.915,"end":845.315,"confidence":0.98291016,"punctuated_word":"context","sentiment":"neutral","sentiment_score":0.11179840564727785},{"word":"in","start":845.315,"end":845.555,"confidence":0.96875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07032524794340134},{"word":"that","start":845.555,"end":845.715,"confidence":0.87890625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07033425569534302},{"word":"this","start":845.715,"end":845.875,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05113035440444946},{"word":"is","start":845.875,"end":846.035,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05078629404306412},{"word":"covering","start":846.035,"end":846.435,"confidence":1.0,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":0.04764972999691963},{"word":"base","start":846.435,"end":846.755,"confidence":0.54833984,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.05940777808427811},{"word":"expenses","start":846.755,"end":847.235,"confidence":0.8400879,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":0.0556245818734169},{"word":"and","start":847.235,"end":847.395,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04676214978098869},{"word":"we","start":847.395,"end":847.555,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05392172932624817},{"word":"may","start":847.555,"end":847.795,"confidence":0.99316406,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.03990214690566063},{"word":"look","start":847.795,"end":847.955,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.033796124160289764},{"word":"at","start":847.955,"end":848.115,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022177044302225113},{"word":"it","start":848.115,"end":848.195,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.009329743683338164},{"word":"in","start":848.195,"end":848.355,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03459228202700615},{"word":"twelve","start":848.355,"end":848.675,"confidence":0.99609375,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.034908197820186615},{"word":"months","start":848.675,"end":849.175,"confidence":0.99853516,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.05573223531246185},{"word":"alrighty","start":852.47003,"end":852.97003,"confidence":0.99348956,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.1490853875875473},{"word":"so","start":853.03,"end":853.53,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1166018769145012},{"word":"outside","start":853.59,"end":853.99,"confidence":0.97314453,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.10869185626506804},{"word":"of","start":853.99,"end":854.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07827064394950867},{"word":"giving","start":854.15,"end":854.47003,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.09095236659049988},{"word":"the","start":854.47003,"end":854.63,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07924537360668182},{"word":"old","start":854.63,"end":854.95,"confidence":0.9902344,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.05493395775556564},{"word":"portfolio","start":854.95,"end":855.45,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07798095792531967},{"word":"a","start":855.51,"end":855.67004,"confidence":0.8461914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12465764582157136},{"word":"freshen","start":855.67004,"end":856.07,"confidence":0.88500977,"punctuated_word":"freshen","sentiment":"neutral","sentiment_score":0.12428893148899078},{"word":"up","start":856.07,"end":856.31,"confidence":0.76220703,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.14031007885932922},{"word":"which","start":856.31,"end":856.47003,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1972241997718811},{"word":"will","start":856.47003,"end":856.97003,"confidence":0.51953125,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1535048633813858},{"word":"pop","start":857.03,"end":857.19,"confidence":0.43237305,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.24019499123096463},{"word":"up","start":857.19,"end":857.51,"confidence":0.8833008,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17621365189552307},{"word":"you","start":857.51,"end":858.01,"confidence":0.21789551,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17205609381198883},{"word":"a","start":858.23004,"end":858.31,"confidence":0.25927734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1652517467737198},{"word":"couple","start":858.31,"end":858.55005,"confidence":0.9326172,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1684967279434204},{"word":"of","start":858.55005,"end":858.71,"confidence":0.5361328,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14646866917610168},{"word":"weeks","start":858.71,"end":858.95,"confidence":0.96777344,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.13109181821346283},{"word":"with","start":858.95,"end":859.27,"confidence":0.35058594,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14966264367103577},{"word":"updated","start":859.27,"end":859.77,"confidence":0.6635742,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.137516051530838},{"word":"plan","start":859.91003,"end":860.39,"confidence":0.6057129,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.1383150815963745},{"word":"is","start":860.39,"end":860.63,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08599692583084106},{"word":"there","start":860.63,"end":860.87,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08350936323404312},{"word":"anything","start":860.87,"end":861.37,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.06367426365613937},{"word":"on","start":861.75,"end":861.91003,"confidence":0.89453125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.030483108013868332},{"word":"your","start":861.91003,"end":862.15,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02356191724538803},{"word":"end","start":862.15,"end":862.39,"confidence":0.828125,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.027495797723531723},{"word":"any","start":862.39,"end":862.71,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.005179977044463158},{"word":"questions","start":862.71,"end":863.19,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.000272529199719429},{"word":"for","start":863.19,"end":863.43,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.015234574675559998},{"word":"me","start":863.43,"end":863.865,"confidence":0.99902344,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.003919749520719051},{"word":"okay","start":866.985,"end":867.485,"confidence":0.9909668,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.015094531700015068},{"word":"in","start":868.185,"end":868.425,"confidence":0.8574219,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.01941036432981491},{"word":"that","start":868.425,"end":868.745,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05609913170337677},{"word":"pack","start":868.745,"end":868.985,"confidence":0.9667969,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.05523659661412239},{"word":"that's","start":868.985,"end":869.225,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07364031672477722},{"word":"been","start":869.225,"end":869.46497,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06381665170192719},{"word":"sent","start":869.46497,"end":869.705,"confidence":1.0,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.05756191909313202},{"word":"through","start":869.705,"end":869.945,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07022996991872787},{"word":"to","start":869.945,"end":870.105,"confidence":0.94140625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07186673581600189},{"word":"you","start":870.105,"end":870.185,"confidence":0.9074707,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.052539318799972534},{"word":"just","start":870.185,"end":870.345,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05669669806957245},{"word":"to","start":870.345,"end":870.425,"confidence":0.73779297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07766477018594742},{"word":"let","start":870.425,"end":870.545,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06058548390865326},{"word":"you","start":870.545,"end":870.665,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0701889619231224},{"word":"know","start":870.665,"end":870.825,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0574130117893219},{"word":"all","start":870.825,"end":871.065,"confidence":0.8598633,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.061915453523397446},{"word":"the","start":871.065,"end":871.225,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05918858200311661},{"word":"documents","start":871.225,"end":871.545,"confidence":0.9980469,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.05914180725812912},{"word":"that","start":871.545,"end":871.705,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09045090526342392},{"word":"are","start":871.705,"end":871.865,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06787867844104767},{"word":"there","start":871.865,"end":872.365,"confidence":0.91552734,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.07399258017539978},{"word":"it","start":872.425,"end":872.665,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07326892763376236},{"word":"comes","start":872.665,"end":872.90497,"confidence":0.9370117,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.050633132457733154},{"word":"through","start":872.90497,"end":873.225,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05962938070297241},{"word":"with","start":873.225,"end":873.625,"confidence":0.96850586,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.052664849907159805},{"word":"like","start":873.625,"end":873.945,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04294421523809433},{"word":"email","start":873.945,"end":874.345,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.05643873289227486},{"word":"attachments","start":874.345,"end":874.845,"confidence":0.8535156,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.053646884858608246},{"word":"and","start":875.545,"end":875.705,"confidence":0.7729492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04269249364733696},{"word":"then","start":875.705,"end":875.945,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.031637221574783325},{"word":"also","start":875.945,"end":876.345,"confidence":0.9819336,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.037873588502407074},{"word":"that","start":876.345,"end":876.58496,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06560373306274414},{"word":"digital","start":876.58496,"end":877.08496,"confidence":1.0,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":0.028774168342351913},{"word":"authorization","start":877.225,"end":877.725,"confidence":0.9892578,"punctuated_word":"authorization","sentiment":"neutral","sentiment_score":0.04728870093822479},{"word":"link","start":878.265,"end":878.765,"confidence":0.9921875,"punctuated_word":"link.","sentiment":"neutral","sentiment_score":0.05866355448961258},{"word":"so","start":878.93,"end":879.08997,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06045660749077797},{"word":"the","start":879.08997,"end":879.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06900942325592041},{"word":"attachments","start":879.25,"end":879.75,"confidence":0.9980469,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.06306717544794083},{"word":"include","start":879.88995,"end":880.38995,"confidence":0.99121094,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.049573495984077454},{"word":"your","start":880.44995,"end":880.94995,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06943314522504807},{"word":"certificate","start":882.20996,"end":882.61,"confidence":0.1730957,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.07814813405275345},{"word":"of","start":882.61,"end":882.76996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07601017504930496},{"word":"currency","start":882.76996,"end":883.25,"confidence":0.9951172,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.054885149002075195},{"word":"for","start":883.25,"end":883.49,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0695708692073822},{"word":"the","start":883.49,"end":883.64996,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05786093324422836},{"word":"insurances","start":883.64996,"end":884.14996,"confidence":0.9951172,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.06873853504657745},{"word":"your","start":884.76996,"end":885.08997,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.067904032766819},{"word":"portfolio","start":885.08997,"end":885.58997,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06009192019701004},{"word":"performance","start":885.81,"end":886.31,"confidence":0.9133301,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":0.08417025208473206},{"word":"an","start":886.61,"end":886.85,"confidence":0.56884766,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09125601500272752},{"word":"updated","start":886.85,"end":887.32996,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1017049103975296},{"word":"financial","start":887.32996,"end":887.81,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.08749306201934814},{"word":"services","start":887.81,"end":888.29,"confidence":0.9951172,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.07459989935159683},{"word":"guide","start":888.29,"end":888.44995,"confidence":0.984375,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.07836586236953735},{"word":"from","start":888.44995,"end":888.69,"confidence":0.984375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12270448356866837},{"word":"us","start":888.69,"end":888.85,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.10266882181167604},{"word":"with","start":888.85,"end":889.08997,"confidence":0.94970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1293081492185593},{"word":"all","start":889.08997,"end":889.17,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1006578579545021},{"word":"of","start":889.17,"end":889.32996,"confidence":0.62646484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1028345376253128},{"word":"our","start":889.32996,"end":889.41,"confidence":0.84765625,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07713988423347473},{"word":"licensing","start":889.41,"end":889.91,"confidence":0.99902344,"punctuated_word":"licensing","sentiment":"neutral","sentiment_score":0.050421737134456635},{"word":"details","start":890.05,"end":890.44995,"confidence":0.9921875,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.0740133747458458},{"word":"and","start":890.44995,"end":890.69,"confidence":0.78466797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.051960356533527374},{"word":"so","start":890.69,"end":890.85,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04687383398413658},{"word":"on","start":890.85,"end":891.35,"confidence":0.9890137,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.043999083340168},{"word":"and","start":891.615,"end":891.775,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03045976161956787},{"word":"then","start":891.775,"end":892.175,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.017259936779737473},{"word":"inside","start":892.175,"end":892.655,"confidence":0.9892578,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.02286325767636299},{"word":"the","start":892.655,"end":892.895,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034679118543863297},{"word":"authorization","start":892.895,"end":893.395,"confidence":0.9926758,"punctuated_word":"authorization,","sentiment":"neutral","sentiment_score":0.02910919301211834},{"word":"there","start":893.535,"end":893.695,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.025402337312698364},{"word":"are","start":893.695,"end":893.935,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.023603707551956177},{"word":"two","start":893.935,"end":894.255,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.01671745628118515},{"word":"important","start":894.255,"end":894.735,"confidence":0.9980469,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.025257814675569534},{"word":"documents","start":894.735,"end":895.135,"confidence":0.7390137,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.03270965814590454},{"word":"there's","start":895.135,"end":895.635,"confidence":0.9836426,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.03031325899064541},{"word":"a","start":895.775,"end":896.015,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02839312329888344},{"word":"service","start":896.015,"end":896.335,"confidence":0.9980469,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.010824132710695268},{"word":"agreement","start":896.335,"end":896.815,"confidence":0.85791016,"punctuated_word":"agreement,","sentiment":"neutral","sentiment_score":0.01701965741813183},{"word":"but","start":896.815,"end":897.055,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.010256683453917503},{"word":"also","start":897.055,"end":897.555,"confidence":0.93408203,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.006448710337281227},{"word":"a","start":897.615,"end":897.855,"confidence":0.9267578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007302729412913322},{"word":"tax","start":897.855,"end":898.095,"confidence":0.9902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.01186779886484146},{"word":"file","start":898.095,"end":898.335,"confidence":0.9667969,"punctuated_word":"file","sentiment":"neutral","sentiment_score":-0.019055819138884544},{"word":"number","start":898.335,"end":898.835,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.0034212209284305573},{"word":"declaration","start":899.135,"end":899.635,"confidence":0.9863281,"punctuated_word":"declaration.","sentiment":"neutral","sentiment_score":0.0019022785127162931},{"word":"now","start":900.655,"end":901.155,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.016034236177802086},{"word":"with","start":901.215,"end":901.535,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04126802459359169},{"word":"the","start":901.535,"end":901.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06584897637367249},{"word":"tax","start":901.695,"end":902.015,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.06376795470714569},{"word":"file","start":902.015,"end":902.255,"confidence":0.98535156,"punctuated_word":"file","sentiment":"neutral","sentiment_score":-0.1733127385377884},{"word":"number","start":902.255,"end":902.575,"confidence":0.9086914,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":-0.15211448073387146},{"word":"because","start":902.575,"end":902.895,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.13641619682312012},{"word":"of","start":902.895,"end":903.055,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1434548646211624},{"word":"all","start":903.055,"end":903.215,"confidence":0.9902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.15782621502876282},{"word":"of","start":903.215,"end":903.375,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16354577243328094},{"word":"the","start":903.375,"end":903.535,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18100963532924652},{"word":"cybersecurity","start":903.535,"end":904.035,"confidence":0.8203125,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":-0.1232435330748558},{"word":"issues","start":904.415,"end":904.815,"confidence":1.0,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.2346026301383972},{"word":"of","start":904.815,"end":905.055,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1807692050933838},{"word":"last","start":905.055,"end":905.295,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.1716497838497162},{"word":"year","start":905.295,"end":905.795,"confidence":0.99902344,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.14216899871826172},{"word":"we're","start":905.96,"end":906.36,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.09682106226682664},{"word":"trying","start":906.36,"end":906.6,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.09643673896789552},{"word":"to","start":906.6,"end":906.84,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11407965421676636},{"word":"remove","start":906.84,"end":907.34,"confidence":1.0,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.12949812412261963},{"word":"where","start":908.04,"end":908.28,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.14699086546897888},{"word":"we","start":908.28,"end":908.52,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12122197449207306},{"word":"hold","start":908.52,"end":908.84,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.1547423005104065},{"word":"that","start":908.84,"end":909.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15284579992294312},{"word":"number","start":909.08,"end":909.58,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.1672935038805008},{"word":"from","start":909.72003,"end":910.04,"confidence":0.99316406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.17793484032154083},{"word":"all","start":910.04,"end":910.2,"confidence":0.94921875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.17481422424316406},{"word":"digital","start":910.2,"end":910.68,"confidence":0.9980469,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":-0.1180618330836296},{"word":"systems","start":910.68,"end":911.18,"confidence":0.99902344,"punctuated_word":"systems","sentiment":"neutral","sentiment_score":-0.13649559020996094},{"word":"and","start":911.24,"end":911.4,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0907990038394928},{"word":"just","start":911.4,"end":911.64,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07611015439033508},{"word":"put","start":911.64,"end":911.88,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.08395236730575562},{"word":"it","start":911.88,"end":911.96,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0652739480137825},{"word":"on","start":911.96,"end":912.12,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08441971987485886},{"word":"the","start":912.12,"end":912.36,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08462540805339813},{"word":"one","start":912.36,"end":912.76,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1145852878689766},{"word":"document","start":912.76,"end":913.26,"confidence":0.9499512,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.09593955427408218},{"word":"so","start":913.48,"end":913.64,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0410911999642849},{"word":"i","start":913.64,"end":913.72003,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.031425364315509796},{"word":"just","start":913.72003,"end":913.96,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.019870489835739136},{"word":"wanted","start":913.96,"end":914.2,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.03477420657873154},{"word":"to","start":914.2,"end":914.36,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03702182695269585},{"word":"double","start":914.36,"end":914.6,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.06167269125580788},{"word":"check","start":914.6,"end":914.76,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.04274142161011696},{"word":"if","start":914.76,"end":914.92,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05819917470216751},{"word":"you're","start":914.92,"end":915.16003,"confidence":0.90356445,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.08883117884397507},{"word":"okay","start":915.16003,"end":915.4,"confidence":0.99902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.08835297077894211},{"word":"to","start":915.4,"end":915.56,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08918577432632446},{"word":"consent","start":915.56,"end":916.06,"confidence":0.97998047,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":-0.0742039680480957},{"word":"to","start":916.2,"end":916.28,"confidence":0.9116211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06169888377189636},{"word":"that","start":916.28,"end":916.78,"confidence":0.9824219,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.08731958270072937},{"word":"okay","start":920.375,"end":920.875,"confidence":0.93652344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.016965599730610847},{"word":"with","start":921.335,"end":921.575,"confidence":0.8286133,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.0159369558095932},{"word":"the","start":921.575,"end":921.73505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07095637917518616},{"word":"service","start":921.73505,"end":922.055,"confidence":0.99316406,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.037529051303863525},{"word":"agreement","start":922.055,"end":922.53503,"confidence":0.9946289,"punctuated_word":"agreement,","sentiment":"neutral","sentiment_score":0.052705198526382446},{"word":"are","start":922.53503,"end":922.695,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.025763176381587986},{"word":"you","start":922.695,"end":922.85504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0411825031042099},{"word":"still","start":922.85504,"end":923.09503,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03225308656692505},{"word":"comfortable","start":923.09503,"end":923.495,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.03041638433933258},{"word":"for","start":923.495,"end":923.655,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04910232871770859},{"word":"us","start":923.655,"end":923.815,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.019786611199378967},{"word":"to","start":923.815,"end":923.895,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006260141730308533},{"word":"look","start":923.895,"end":924.055,"confidence":0.98828125,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0223376601934433},{"word":"after","start":924.055,"end":924.29504,"confidence":0.9838867,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.00927705317735672},{"word":"your","start":924.29504,"end":924.455,"confidence":0.9526367,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0215844064950943},{"word":"super","start":924.455,"end":924.695,"confidence":0.9326172,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08739367872476578},{"word":"for","start":924.695,"end":924.775,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04598267748951912},{"word":"the","start":924.775,"end":925.015,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02868389338254929},{"word":"next","start":925.015,"end":925.255,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.025888577103614807},{"word":"year","start":925.255,"end":925.755,"confidence":0.9980469,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.036745183169841766},{"word":"k","start":928.455,"end":928.955,"confidence":0.6654053,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.034229423850774765},{"word":"with","start":929.335,"end":929.655,"confidence":0.9902344,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.040745314210653305},{"word":"the","start":929.655,"end":930.055,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05472362041473389},{"word":"fees","start":930.055,"end":930.375,"confidence":0.9370117,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.06350888311862946},{"word":"themselves","start":930.375,"end":930.85504,"confidence":0.95532227,"punctuated_word":"themselves,","sentiment":"neutral","sentiment_score":0.031637296080589294},{"word":"so","start":930.85504,"end":931.015,"confidence":0.86328125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03930319845676422},{"word":"we","start":931.015,"end":931.17505,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.053166866302490234},{"word":"always","start":931.17505,"end":931.495,"confidence":0.99316406,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.058454710990190506},{"word":"give","start":931.495,"end":931.655,"confidence":0.9863281,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.04212162643671036},{"word":"an","start":931.655,"end":931.815,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.030389979481697083},{"word":"estimate","start":931.815,"end":932.315,"confidence":1.0,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.047297149896621704},{"word":"going","start":932.375,"end":932.875,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04634722322225571},{"word":"forward","start":933.05,"end":933.37,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.0330495648086071},{"word":"for","start":933.37,"end":933.44995,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04303905740380287},{"word":"twelve","start":933.44995,"end":933.68994,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.029778629541397095},{"word":"months","start":933.68994,"end":934.00995,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.04683930426836014},{"word":"including","start":934.00995,"end":934.32996,"confidence":0.50341797,"punctuated_word":"including","sentiment":"neutral","sentiment_score":0.04732024669647217},{"word":"a","start":934.32996,"end":934.41,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03842494264245033},{"word":"bit","start":934.41,"end":934.56995,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03823012486100197},{"word":"of","start":934.56995,"end":934.64996,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019020427018404007},{"word":"super","start":934.64996,"end":934.97,"confidence":0.9716797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.027843445539474487},{"word":"growth","start":934.97,"end":935.20996,"confidence":0.96972656,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04659662023186684},{"word":"in","start":935.20996,"end":935.37,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03178859129548073},{"word":"there","start":935.37,"end":935.85,"confidence":0.7824707,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.02774546854197979},{"word":"but","start":935.85,"end":936.00995,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.006197869777679443},{"word":"it's","start":936.00995,"end":936.25,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.009594368748366833},{"word":"basically","start":936.25,"end":936.64996,"confidence":0.9863281,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.0072522349655628204},{"word":"the","start":936.64996,"end":936.81,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027070902287960052},{"word":"usual","start":936.81,"end":937.12994,"confidence":1.0,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.03641315922141075},{"word":"1.65%","start":937.12994,"end":938.67,"confidence":0.9863281,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.029285140335559845},{"word":"that's","start":938.97,"end":939.37,"confidence":0.66503906,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.023860547691583633},{"word":"split","start":939.37,"end":939.68994,"confidence":0.9980469,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.03193298354744911},{"word":"into","start":939.68994,"end":940.00995,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.03957612067461014},{"word":"little","start":940.00995,"end":940.25,"confidence":0.94970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05598289892077446},{"word":"monthly","start":940.25,"end":940.64996,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.020032059401273727},{"word":"payments","start":940.64996,"end":941.12994,"confidence":1.0,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.05296001583337784},{"word":"throughout","start":941.12994,"end":941.44995,"confidence":1.0,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":0.03950905799865723},{"word":"the","start":941.44995,"end":941.61,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051911089569330215},{"word":"year","start":941.61,"end":942.08997,"confidence":0.9995117,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.03457946330308914},{"word":"it's","start":942.08997,"end":942.32996,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.027646958827972412},{"word":"not","start":942.32996,"end":942.49,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.004636913537979126},{"word":"like","start":942.49,"end":942.64996,"confidence":0.9526367,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.007512599229812622},{"word":"a","start":942.64996,"end":942.81,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02274860069155693},{"word":"lock","start":942.81,"end":943.05,"confidence":0.8925781,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.010889474302530289},{"word":"in","start":943.05,"end":943.29,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.026655111461877823},{"word":"contract","start":943.29,"end":943.68994,"confidence":0.986084,"punctuated_word":"contract,","sentiment":"neutral","sentiment_score":-0.007382526993751526},{"word":"but","start":943.68994,"end":943.85,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02935807034373283},{"word":"it","start":943.85,"end":944.00995,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04654677212238312},{"word":"is","start":944.00995,"end":944.17,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03233485296368599},{"word":"a","start":944.17,"end":944.32996,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05669146776199341},{"word":"twelve","start":944.32996,"end":944.64996,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.029440246522426605},{"word":"month","start":944.64996,"end":944.97,"confidence":0.9902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.028535686433315277},{"word":"consent","start":944.97,"end":945.47,"confidence":0.99902344,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.07143956422805786},{"word":"to","start":945.815,"end":945.89496,"confidence":0.9199219,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.056291207671165466},{"word":"be","start":945.89496,"end":946.135,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03521176427602768},{"word":"listed","start":946.135,"end":946.45496,"confidence":0.99316406,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.0664961040019989},{"word":"as","start":946.45496,"end":946.695,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.024657130241394043},{"word":"advisers","start":946.695,"end":947.015,"confidence":0.8496094,"punctuated_word":"advisers","sentiment":"neutral","sentiment_score":0.03678344935178757},{"word":"so","start":947.015,"end":947.255,"confidence":0.7026367,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04834955185651779},{"word":"we","start":947.255,"end":947.415,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06655137240886688},{"word":"can","start":947.415,"end":947.495,"confidence":0.97509766,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07370327413082123},{"word":"still","start":947.495,"end":947.815,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07247777283191681},{"word":"liaise","start":947.815,"end":948.295,"confidence":0.98706055,"punctuated_word":"liaise","sentiment":"neutral","sentiment_score":0.07269225269556046},{"word":"with","start":948.295,"end":948.535,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07239579409360886},{"word":"pub","start":948.535,"end":948.855,"confidence":0.61083984,"punctuated_word":"Pub","sentiment":"neutral","sentiment_score":0.04796865954995155},{"word":"twenty","start":948.855,"end":949.095,"confidence":0.9448242,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05552661046385765},{"word":"four","start":949.095,"end":949.595,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.06495165824890137},{"word":"and","start":949.815,"end":949.975,"confidence":0.8828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.046296875923871994},{"word":"the","start":949.975,"end":950.135,"confidence":0.92822266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0482061430811882},{"word":"insurance","start":950.135,"end":950.635,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.044983282685279846},{"word":"companies","start":950.695,"end":951.095,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.03130115941166878},{"word":"and","start":951.095,"end":951.33496,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028045883402228355},{"word":"so","start":951.33496,"end":951.495,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.030710414052009583},{"word":"on","start":951.495,"end":951.995,"confidence":0.99853516,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.03623432293534279},{"word":"do","start":952.375,"end":952.535,"confidence":0.84277344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.039252884685993195},{"word":"you","start":952.535,"end":952.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04199638217687607},{"word":"have","start":952.615,"end":952.77496,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02640325017273426},{"word":"any","start":952.77496,"end":952.935,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01816561259329319},{"word":"questions","start":952.935,"end":953.415,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.01806790940463543},{"word":"on","start":953.415,"end":953.495,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.019284481182694435},{"word":"that","start":953.495,"end":953.995,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.026916975155472755},{"word":"cool","start":956.855,"end":957.355,"confidence":0.8515625,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.0562950074672699},{"word":"so","start":957.415,"end":957.735,"confidence":0.9326172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.040440648794174194},{"word":"if","start":957.735,"end":957.89496,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07014133036136627},{"word":"you're","start":957.89496,"end":958.135,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11266259849071504},{"word":"okay","start":958.135,"end":958.45496,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.08321479707956314},{"word":"to","start":958.45496,"end":958.855,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08343963325023651},{"word":"hop","start":958.855,"end":959.015,"confidence":0.99902344,"punctuated_word":"hop","sentiment":"neutral","sentiment_score":0.13983428478240967},{"word":"on","start":959.015,"end":959.175,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.090374656021595},{"word":"there","start":959.175,"end":959.415,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13603907823562622},{"word":"when","start":959.415,"end":959.575,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10373015701770782},{"word":"you've","start":959.575,"end":959.735,"confidence":0.98999023,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11684423685073853},{"word":"got","start":959.735,"end":959.975,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08544901013374329},{"word":"a","start":959.975,"end":960.055,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13671886920928955},{"word":"minute","start":960.055,"end":960.45496,"confidence":1.0,"punctuated_word":"minute","sentiment":"neutral","sentiment_score":0.14386063814163208},{"word":"and","start":960.45496,"end":960.81,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12849751114845276},{"word":"give","start":960.97,"end":961.21,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.08270853757858276},{"word":"that","start":961.21,"end":961.52997,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06579835712909698},{"word":"a","start":961.52997,"end":961.77,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05747881159186363},{"word":"sign","start":961.77,"end":962.01,"confidence":0.99609375,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.06848040223121643},{"word":"for","start":962.01,"end":962.17,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06360653787851334},{"word":"us","start":962.17,"end":962.41,"confidence":0.84936523,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.05927413702011109},{"word":"if","start":962.41,"end":962.57,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1356375366449356},{"word":"you","start":962.57,"end":962.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11874889582395554},{"word":"have","start":962.65,"end":962.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1073557510972023},{"word":"any","start":962.81,"end":963.05,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0933329612016678},{"word":"questions","start":963.05,"end":963.52997,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.09412308782339096},{"word":"on","start":963.52997,"end":963.77,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08557206392288208},{"word":"how","start":963.77,"end":964.01,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10020002722740172},{"word":"that","start":964.01,"end":964.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12031510472297668},{"word":"works","start":964.17,"end":964.67,"confidence":0.9375,"punctuated_word":"works,","sentiment":"neutral","sentiment_score":0.09065844118595125},{"word":"if","start":965.29,"end":965.45,"confidence":0.71728516,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08374398946762085},{"word":"you","start":965.45,"end":965.61,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.060720764100551605},{"word":"can","start":965.61,"end":965.85,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05952382832765579},{"word":"draw","start":965.85,"end":966.09,"confidence":0.9951172,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.0664939135313034},{"word":"your","start":966.09,"end":966.33,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019238367676734924},{"word":"signature","start":966.33,"end":966.73,"confidence":0.96240234,"punctuated_word":"signature,","sentiment":"neutral","sentiment_score":0.006383005529642105},{"word":"that","start":966.73,"end":966.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029727809131145477},{"word":"would","start":966.97,"end":967.13,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.036896683275699615},{"word":"be","start":967.13,"end":967.29,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02282745391130447},{"word":"better","start":967.29,"end":967.52997,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.01822548359632492},{"word":"for","start":967.52997,"end":967.69,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.020494811236858368},{"word":"the","start":967.69,"end":967.85,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010421641170978546},{"word":"providers","start":967.85,"end":968.33,"confidence":0.9458008,"punctuated_word":"providers,","sentiment":"neutral","sentiment_score":0.04250049591064453},{"word":"but","start":968.33,"end":968.65,"confidence":0.99316406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03783319890499115},{"word":"it","start":968.65,"end":968.73,"confidence":0.9140625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04277984797954559},{"word":"usually","start":968.73,"end":969.21,"confidence":0.98291016,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.03730369359254837},{"word":"stands","start":969.21,"end":969.61,"confidence":0.58984375,"punctuated_word":"stands","sentiment":"neutral","sentiment_score":0.0360441729426384},{"word":"on","start":969.61,"end":970.11,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.025149747729301453},{"word":"a","start":970.33,"end":970.41,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03711465373635292},{"word":"signature","start":970.41,"end":970.91,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":-0.003666505217552185},{"word":"as","start":970.97,"end":971.13,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0676129013299942},{"word":"well","start":971.13,"end":971.63,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.081332266330719},{"word":"once","start":971.93,"end":972.25,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.10883992910385132},{"word":"we","start":972.25,"end":972.49,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11028999090194702},{"word":"get","start":972.49,"end":972.65,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1257847547531128},{"word":"that","start":972.65,"end":972.89,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14622819423675537},{"word":"back","start":972.89,"end":973.21,"confidence":0.99365234,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.1296347677707672},{"word":"the","start":973.21,"end":973.45,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14522598683834076},{"word":"team","start":973.45,"end":973.69,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.17766901850700378},{"word":"will","start":973.69,"end":973.93,"confidence":0.89208984,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.20368734002113345},{"word":"pretty","start":973.93,"end":974.17,"confidence":0.99609375,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.20950005948543549},{"word":"much","start":974.17,"end":974.65,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.18099986016750336},{"word":"be","start":974.65,"end":974.89,"confidence":0.875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.20430919528007507},{"word":"finished","start":974.89,"end":975.29,"confidence":0.96435547,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":0.26436498761177063},{"word":"their","start":975.29,"end":975.52997,"confidence":0.90722656,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.11085940897464752},{"word":"research","start":975.52997,"end":976.02997,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.17924156785011292},{"word":"and","start":976.365,"end":976.865,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18105898797512057},{"word":"updated","start":980.445,"end":980.945,"confidence":0.72021484,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2211902141571045},{"word":"advice","start":981.165,"end":981.485,"confidence":0.9111328,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1751174032688141},{"word":"document","start":981.485,"end":981.96497,"confidence":0.99121094,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.15834566950798035},{"word":"with","start":981.96497,"end":982.125,"confidence":0.9819336,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12894654273986816},{"word":"me","start":982.125,"end":982.625,"confidence":0.98950195,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.119269996881485},{"word":"okay","start":986.125,"end":986.625,"confidence":0.7458496,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2898244261741638},{"word":"now","start":986.925,"end":987.165,"confidence":0.9760742,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.4147031903266907},{"word":"i","start":987.165,"end":987.325,"confidence":0.9760742,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5447999238967896},{"word":"appreciate","start":987.325,"end":987.725,"confidence":0.99902344,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.6107237339019775},{"word":"you","start":987.725,"end":987.885,"confidence":0.99121094,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6632022261619568},{"word":"taking","start":987.885,"end":988.125,"confidence":0.9707031,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.7446045875549316},{"word":"the","start":988.125,"end":988.285,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6653671860694885},{"word":"time","start":988.285,"end":988.52496,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.7291234135627747},{"word":"this","start":988.52496,"end":988.685,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.7548017501831055},{"word":"morning","start":988.685,"end":988.925,"confidence":0.98339844,"punctuated_word":"morning.","sentiment":"positive","sentiment_score":0.7103935480117798},{"word":"that","start":988.925,"end":989.08496,"confidence":0.99902344,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.7495648264884949},{"word":"was","start":989.08496,"end":989.58496,"confidence":0.9970703,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.7785035371780396},{"word":"a","start":989.76996,"end":990.01,"confidence":0.6074219,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.804476261138916},{"word":"nice","start":990.01,"end":990.08997,"confidence":0.99609375,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.7684969902038574},{"word":"and","start":990.08997,"end":990.32996,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7384567856788635},{"word":"easy","start":990.32996,"end":990.64996,"confidence":1.0,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.8117268085479736},{"word":"review","start":990.64996,"end":991.05,"confidence":0.8039551,"punctuated_word":"review.","sentiment":"positive","sentiment_score":0.7240825891494751},{"word":"only","start":991.05,"end":991.37,"confidence":0.59033203,"punctuated_word":"Only","sentiment":"positive","sentiment_score":0.37033596634864807},{"word":"a","start":991.37,"end":991.45,"confidence":0.7817383,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3998953402042389},{"word":"couple","start":991.45,"end":991.69,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.30616000294685364},{"word":"of","start":991.69,"end":991.76996,"confidence":0.5410156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29636016488075256},{"word":"little","start":991.76996,"end":991.93,"confidence":0.9951172,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3749236464500427},{"word":"things","start":991.93,"end":992.25,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2809771001338959},{"word":"to","start":992.25,"end":992.41,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3019007742404938},{"word":"fix","start":992.41,"end":992.64996,"confidence":0.96533203,"punctuated_word":"fix","sentiment":"positive","sentiment_score":0.360543817281723},{"word":"up","start":992.64996,"end":993.14996,"confidence":0.99853516,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.4479207396507263},{"word":"any","start":993.52997,"end":993.85,"confidence":0.9160156,"punctuated_word":"Any","sentiment":"positive","sentiment_score":0.3764860928058624},{"word":"last","start":993.85,"end":994.17,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.27447792887687683},{"word":"questions","start":994.17,"end":994.49,"confidence":0.9941406,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.2701190412044525},{"word":"for","start":994.49,"end":994.64996,"confidence":0.9165039,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3547283411026001},{"word":"me","start":994.64996,"end":994.81,"confidence":0.99902344,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3855832815170288},{"word":"before","start":994.81,"end":995.05,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.30574530363082886},{"word":"i","start":995.05,"end":995.13,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4167520403861999},{"word":"let","start":995.13,"end":995.29,"confidence":0.99902344,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4101741909980774},{"word":"you","start":995.29,"end":995.45,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44544002413749695},{"word":"go","start":995.45,"end":995.69,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4732510149478912},{"word":"and","start":995.69,"end":995.93,"confidence":0.63378906,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4801264703273773},{"word":"enjoy","start":995.93,"end":996.25,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.48435720801353455},{"word":"your","start":996.25,"end":996.64996,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5779327154159546},{"word":"your","start":996.64996,"end":996.81,"confidence":0.9790039,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5929868221282959},{"word":"week","start":996.81,"end":997.31,"confidence":0.8286133,"punctuated_word":"week?","sentiment":"positive","sentiment_score":0.4115446507930755},{"word":"awesome","start":1001.29,"end":1001.69,"confidence":0.8352051,"punctuated_word":"Awesome,","sentiment":"positive","sentiment_score":0.8094258308410645},{"word":"thank","start":1002.08997,"end":1002.32996,"confidence":0.6196289,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8858134150505066},{"word":"you","start":1002.32996,"end":1002.49,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.924854815006256},{"word":"so","start":1002.49,"end":1002.64996,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.9084674715995787},{"word":"much","start":1002.64996,"end":1002.89,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.9377042055130004},{"word":"for","start":1002.89,"end":1003.05,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.9044856429100036},{"word":"your","start":1003.05,"end":1003.20996,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.9163758158683776},{"word":"time","start":1003.20996,"end":1003.45,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.91135174036026},{"word":"today","start":1003.45,"end":1003.95,"confidence":1.0,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.8422091007232666},{"word":"keep","start":1004.10504,"end":1004.34503,"confidence":1.0,"punctuated_word":"Keep","sentiment":"positive","sentiment_score":0.454602986574173},{"word":"an","start":1004.34503,"end":1004.42505,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.5377894043922424},{"word":"eye","start":1004.42505,"end":1004.505,"confidence":1.0,"punctuated_word":"eye","sentiment":"positive","sentiment_score":0.4682521224021912},{"word":"out","start":1004.505,"end":1004.98505,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4152674078941345},{"word":"for","start":1004.98505,"end":1005.48505,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5125431418418884},{"word":"our","start":1005.625,"end":1005.86505,"confidence":0.9980469,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.5034785270690918},{"word":"calls","start":1005.86505,"end":1006.185,"confidence":0.85180664,"punctuated_word":"calls.","sentiment":"positive","sentiment_score":0.4540869295597077},{"word":"if","start":1006.185,"end":1006.42505,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.21742206811904907},{"word":"we","start":1006.42505,"end":1006.585,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22473229467868805},{"word":"miss","start":1006.585,"end":1006.745,"confidence":0.9707031,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":0.11821520328521729},{"word":"you","start":1006.745,"end":1006.905,"confidence":0.9941406,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.23394958674907684},{"word":"we'll","start":1006.905,"end":1007.145,"confidence":0.9970703,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.23112981021404264},{"word":"just","start":1007.145,"end":1007.30505,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.28150177001953125},{"word":"send","start":1007.30505,"end":1007.465,"confidence":0.99902344,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.3827497661113739},{"word":"you","start":1007.465,"end":1007.625,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4391005635261536},{"word":"a","start":1007.625,"end":1007.705,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4017266631126404},{"word":"text","start":1007.705,"end":1007.945,"confidence":1.0,"punctuated_word":"text","sentiment":"positive","sentiment_score":0.41840219497680664},{"word":"and","start":1007.945,"end":1008.185,"confidence":0.80126953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22254395484924316},{"word":"email","start":1008.185,"end":1008.685,"confidence":0.7249756,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.3057190775871277},{"word":"have","start":1012.66504,"end":1012.825,"confidence":0.4970703,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.6890556216239929},{"word":"a","start":1012.825,"end":1012.905,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7185502052307129},{"word":"fantastic","start":1012.905,"end":1013.405,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8270196318626404},{"word":"day","start":1013.465,"end":1013.705,"confidence":0.99902344,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7446602582931519},{"word":"thank","start":1013.705,"end":1013.86505,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7872725129127502},{"word":"you","start":1013.86505,"end":1014.025,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8664904236793518},{"word":"so","start":1014.025,"end":1014.185,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8581583499908447},{"word":"much","start":1014.185,"end":1014.685,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.8035194277763367},{"word":"bye","start":1017.705,"end":1018.205,"confidence":0.9782715,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.09868422150611876}],"paragraphs":{"transcript":"\nGood morning, Lauren. It's Tommy here, senior adviser from. How are you doing? Good to hear. Good to hear.\n\nI'm just giving you a call to go through your annual review. Amazing. Before I get started, I've got an annual review pay for this call to be recorded. Perfect. And just for the security of your information, so I'm registered with Asic as adviser one two seven three one zero five.\n\nWe don't have a security question on file. Are you okay to confirm your date of birth and address, please? Yep. Perfect. Thank you so much for that, Lauren.\n\nI'm gonna pop this through to your Yahoo email address. Are you okay to look on to the documents with me today, or would you like me just to walk you through what's there? Yep. No worries at all. I'll pop that through just so you have it.\n\nJust with our new system, we've got a new CRM, and it might come through to your spam box rather than your main inbox for the first one, just with the old email filtering. Now I'm gonna go through and just briefly update some of the details that we have on file just to make sure the new system is accurate. Is there anything in particular that you're looking to get out of this year's review? Cool. Just a bit of a general update.\n\nIs that okay for you? Okay. Perfect. So I'm just gonna have a quick look through your previous goals. Looks like you did purchase that home that you're looking for, which is fantastic.\n\nWe did have you listed down looking to get some appliances for the house and save up for some overseas trips. Is that still correct? Okay. We're still going to Ireland in England or Yep. So a bit of a medium term goal, we'll call that one.\n\nDo you have any, like, figures in mind? I'm like, get or kind of as much savings as you can and come back to that in a couple years. Awesome. So you're thinking kind of one to three years for the house and then holidays after that? Perfect.\n\nI'm just having a look through the details. So mobile, email. Are you okay for us to still use your Yahoo email address? K. We've got Robin, your mother listed as your next of kin.\n\nWe had you listed as a payroll officer for Frontier Software, earning about I think, yeah, listed 89,692, saving a couple of $100 on week on average. Yep. Awesome. We've got salary sacrificing 200 a month to super. Can I just double check with you?\n\nAre you still comfortable with that amount of salary sacrifice? Okay. The home listed last time valued at 371,000 owing about 300,000. Is that pretty close to the mark, or is it kind of fluctuating quite a bit? I know the market's gonna be crazy.\n\nFor the house value, I think we had it at $371,000. Would that have jumped up a lot? Oh, are you okay for me just to look up on property.com and add an updated value there? K. And the only other assets we had was a motor vehicle and about $5 worth of savings.\n\nIs there any other shares, crypto, personal loans, anything like that? Amazing. And we did actually have that you had put in place a a will. Is that correct? K.\n\nYou just might give a reminder that also maybe put in place, like, a power of attorney, if you remember what that does. That's kind of like the the will is where does everything go when you pass away. Power of attorney is if you're, let's say, in hospital, can't act on your own behalf, can someone actually access the bank accounts to make sure the mortgage is paid? Can they talk to the doctors on your behalf? All that kind of thing.\n\nAnd it just kind of stops everyone from having to go to the courts for probate. Makes it a bit simpler. Sometimes that can take a little while. K. Now just going through the super, do you log in to your hub 24 every now and then to keep an eye on it, or is it more of a just a yearly check?\n\nNo. That's totally fine. You do have us there to look at it. You've had a pretty pretty strong journey, especially with all that salary sacrifice. I'm looking at your entire history from 2021.\n\nYou started with about 66,000. You're sitting at a $125.07 $9.07 as of today. You've gone through couple little dips in the market in 2025 and in March just with what was going on in the world out there. You'll notice that when you get that DocuSign pack from us, there'll be a performance report in there that'll show you every investment option that you've got as well as your overall portfolio as well. Now if you recall, Lauren, you're in, like, a growth portfolio, kind of that four out of five on the risk scale, 80% growth assets, shares, and property.\n\nDoes that ring a bell? K. Now as far as the performance the last twelve months goes, even with the market dropping, when you're in a growth profile, you're kind of aiming for that 9% or above on that. Now one thing I did wanna just quickly raise with you is out of the kind of 10 options that you're in, most of them have been pretty incredible the last twelve months. You've got some battery tech, which is like your electric vehicles.\n\nThat's gone up about a 109%. Gold and silver going up about a 100%. Your shares up 70%. Everything's been really crazy for twelve months. The only one that's kind of underperformed is your Australian shares in a Bennelong option.\n\nNow I'm looking at this through the history of your account, and I would have expected it to have bounced back this year. I know that Benelon had a pretty poor year last year, but it hasn't really bounced back to catch up with the rest of those Australian shares option that are out there. Are you okay for me to look at getting a bit of a replacement option for that one? K. I do have one question for you.\n\nThere's no wrong answer here. It's really just if you have a strong gut feeling either way. Do you have a preference between going for, like, the lowest fee investments possible, or are you okay with the idea of paying a little bit higher fees to get some higher returns? Do you have a strong link between the two? That's okay?\n\nCool. So you're in kind of a blend at the moment where most of it is low fee, only a little bit is in the active side. We do have some other options I've been researching since New Year's, which I'm gonna compare for you. And then what I'll do is I'll put together a bit of an updated statement of advice just to show you the differences between them. And if you're comfortable with that, we can make a bit of a switch there.\n\nJust with the risk level briefly, we did have a pretty good example in March of the market going down and then bouncing back. And I just wanted to quickly let you know how that looks because you are in a growth risk profile. So you went from a 127 down to a 116,000 to call it, like, an 11,000 drop, and then it bounced back 9,000 within two weeks. That's pretty normal in terms of what a growth risk profile tends to fluctuate like. And because it's all percentage returns, it's just gonna be going up and down anywhere between 10 and $30,000 a year based on the returns of the market on top of your contributions, of course.\n\nDo you have any concerns there? Are you okay to still focus on trying to grow as much as you can? K. Do you have any inclination to look at going more aggressive with it? You know, going to high growth so you can retire earlier, grow it even faster, or does the sound of high risk kind of make you a bit iffy?\n\nYep. And, look, doing salary sacrifice while being in a growth portfolio kind of has the same effect. So as long as you're still okay to keep doing that kind of 50 a week into your super, you'll still get to a pretty similar outcome as someone who is in a high risk. K. So that's perfect.\n\nI'll leave the risk level alone. We'll just give the the old portfolio a bit of an engine tune up, and I'll update some projections for you as well. Last question I had on the super was, do you have a bit of a preference? I know it's a long while away, but between retiring towards age 65, 67 when the age pension kind of kicks in, or do you want to kind of retire as early as possible? Do you have a preference between the two?\n\nYeah. But I guess, we're obviously going to first grow your super as much as we can. As you get close to retirement, we can kind of talk through how long it's gonna last and when a good time to be to protect it and also to access it. So for now, I'll just focus on the growth side. Perfect.\n\nIs there anything else on the cards for you in the next three to five years goals wise that we haven't already talked about? Okay. So it's really just fix up the house, maybe a bit of holidays, pay off that mortgage. Are you the type of person, Lauren, to look into investing one day, or are you just happy to have that stable base? That's totally fair.\n\nI was looking at your beneficiary nominations. There was a note here that you don't really wanna put in place a beneficiary nomination at this point. Probably just sort out, like, a will and a power of attorney. Did you want me to add anybody on there for the sofa? Okay.\n\nIf at any point you put in place a will and you want your super to go to your mother, for example, you can actually direct your super towards the will as well. So if you go to do that, whether it's through a solicitor like a courthouse, public trustee of the state, or even a will kit for 25 pucks at the post office, if you do wanna include the super in that, we can fix up a nomination to go in that direction too. So just gonna let us know. K. Last two things for me.\n\nYou've got a Neos income protection and no life and disability insurance. There's a note here that it's not really that important for you at the moment, mainly just the income protection. Is that right? K. We've got 1,441 per year.\n\nIt comes out with a expensive. We've got a four week waiting period. So if you're out of work for a month, it'll kick in monthly, and we'll pay you up to five years. Now the one question I have for you, Lauren, is your cover amount, 4,499 a month. So call it $4,500 a month you would get if you're off work.\n\nYou've got one of those really good 75% policies that just stopped. The government kind of banned it in October 2021, and you got this in place in September, which is great. But it's a little bit below what you could be insured for. So if you base it on your total income, you could have a maximum cover amount of about 5,500 a month. You've got 4,500 a month.\n\nMy question really is if you're off work for three months, would you be able to survive on that kind of thousand dollars a week? Do you want me to look at a bit of an increased quote? What's your preference? It probably wouldn't cost too much to bump it up a little bit. I'm thinking if it goes from 4,500 to 5,500, it may only go up a couple $100 a year.\n\nDo you want me to get a bit of an alteration quote with Niels and just run you through that when I go through the portfolio update? Yeah. No worries at all. I'll put a note down that we'll leave that there, and I'll just put some context in that this is covering base expenses, and we may look at it in twelve months. Alrighty.\n\nSo outside of giving the old portfolio a freshen up, which will pop up you a couple of weeks with updated plan, is there anything on your end? Any questions for me? Okay. In that pack that's been sent through to you, just to let you know all the documents that are there, it comes through with, like, email attachments and then also that digital authorization link. So the attachments include your certificate of currency for the insurances, your portfolio performance, an updated financial services guide from us with all of our licensing details and so on.\n\nAnd then inside the authorization, there are two important documents. There's a service agreement, but also a tax file number declaration. Now with the tax file number, because of all of the cybersecurity issues of last year, We're trying to remove where we hold that number from all digital systems and just put it on the one document. So I just wanted to double check if you're okay to consent to that. Okay.\n\nWith the service agreement, are you still comfortable for us to look after your super for the next year? K. With the fees themselves, so we always give an estimate going forward for twelve months including a bit of super growth in there, but it's basically the usual 1.65% that's split into little monthly payments throughout the year. It's not like a lock in contract, but it is a twelve month consent to be listed as advisers so we can still liaise with Pub twenty four and the insurance companies and so on. Do you have any questions on that?\n\nCool. So if you're okay to hop on there when you've got a minute and give that a sign for us. If you have any questions on how that works, if you can draw your signature, that would be better for the providers, but it usually stands on a signature as well. Once we get that back, the team will pretty much be finished their research and updated advice document with me. Okay.\n\nNow I appreciate you taking the time this morning. That was a nice and easy review. Only a couple of little things to fix up. Any last questions for me before I let you go and enjoy your your week? Awesome, Thank you so much for your time today.\n\nKeep an eye out for our calls. If we miss you, we'll just send you a text and email. Have a fantastic day. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Lauren.","start":3.12,"end":4.0,"sentiment":"neutral","sentiment_score":0.27226056655248004},{"text":"It's Tommy here, senior adviser from.","start":4.0,"end":6.0,"sentiment":"neutral","sentiment_score":0.2225863734881083},{"text":"How are you doing?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.22321181371808052},{"text":"Good to hear.","start":8.48,"end":9.04,"sentiment":"positive","sentiment_score":0.5650381743907928},{"text":"Good to hear.","start":9.04,"end":9.599999,"sentiment":"positive","sentiment_score":0.5421270132064819}],"sentiment":"positive","sentiment_score":0.3350864609605388,"num_words":19,"start":3.12,"end":9.599999},{"sentences":[{"text":"I'm just giving you a call to go through your annual review.","start":9.599999,"end":12.5,"sentiment":"neutral","sentiment_score":0.21628550191720328},{"text":"Amazing.","start":14.705,"end":15.205,"sentiment":"positive","sentiment_score":0.5144909620285034},{"text":"Before I get started, I've got an annual review pay for this call to be recorded.","start":15.745,"end":21.845,"sentiment":"neutral","sentiment_score":0.21560102421790361},{"text":"Perfect.","start":24.705,"end":25.205,"sentiment":"positive","sentiment_score":0.43975698947906494},{"text":"And just for the security of your information, so I'm registered with Asic as adviser one two seven three one zero five.","start":25.65,"end":32.15,"sentiment":"neutral","sentiment_score":0.1764169917865233}],"sentiment":"neutral","sentiment_score":0.20923969579430726,"num_words":52,"start":9.599999,"end":32.15},{"sentences":[{"text":"We don't have a security question on file.","start":32.37,"end":35.33,"sentiment":"neutral","sentiment_score":0.038744577672332525},{"text":"Are you okay to confirm your date of birth and address, please?","start":35.33,"end":38.055,"sentiment":"neutral","sentiment_score":0.046678992453962564},{"text":"Yep.","start":43.175,"end":43.675,"sentiment":"neutral","sentiment_score":0.022707751020789143},{"text":"Perfect.","start":48.215,"end":48.614998,"sentiment":"positive","sentiment_score":0.3934629559516907},{"text":"Thank you so much for that, Lauren.","start":48.614998,"end":50.235,"sentiment":"positive","sentiment_score":0.6066355449812753}],"sentiment":"neutral","sentiment_score":0.1907835880230213,"num_words":29,"start":32.37,"end":50.235},{"sentences":[{"text":"I'm gonna pop this through to your Yahoo email address.","start":50.45,"end":53.809998,"sentiment":"positive","sentiment_score":0.3362675219774246},{"text":"Are you okay to look on to the documents with me today, or would you like me just to walk you through what's there?","start":53.809998,"end":59.03,"sentiment":"neutral","sentiment_score":0.17658264003694057},{"text":"Yep.","start":66.465,"end":66.865,"sentiment":"neutral","sentiment_score":-0.0030847801826894283},{"text":"No worries at all.","start":66.865,"end":67.905,"sentiment":"neutral","sentiment_score":0.020797986537218094},{"text":"I'll pop that through just so you have it.","start":67.905,"end":70.165,"sentiment":"neutral","sentiment_score":0.05551991653111246}],"sentiment":"neutral","sentiment_score":0.1704259374043128,"num_words":48,"start":50.45,"end":70.165},{"sentences":[{"text":"Just with our new system, we've got a new CRM, and it might come through to your spam box rather than your main inbox for the first one, just with the old email filtering.","start":70.625,"end":80.1,"sentiment":"neutral","sentiment_score":-0.061796330956413466},{"text":"Now I'm gonna go through and just briefly update some of the details that we have on file just to make sure the new system is accurate.","start":80.96,"end":88.5,"sentiment":"neutral","sentiment_score":0.029683609786270944},{"text":"Is there anything in particular that you're looking to get out of this year's review?","start":88.880005,"end":92.58,"sentiment":"neutral","sentiment_score":-0.015727994633683313},{"text":"Cool.","start":96.145,"end":96.385,"sentiment":"neutral","sentiment_score":-0.019688116386532784},{"text":"Just a bit of a general update.","start":96.385,"end":97.505,"sentiment":"neutral","sentiment_score":0.008379385673574038}],"sentiment":"neutral","sentiment_score":-0.017816311005541745,"num_words":84,"start":70.625,"end":97.505},{"sentences":[{"text":"Is that okay for you?","start":97.505,"end":98.565,"sentiment":"neutral","sentiment_score":0.05489646345376968},{"text":"Okay.","start":100.945,"end":101.345,"sentiment":"neutral","sentiment_score":0.1047811210155487},{"text":"Perfect.","start":101.345,"end":101.845,"sentiment":"neutral","sentiment_score":0.21100687980651855},{"text":"So I'm just gonna have a quick look through your previous goals.","start":101.985,"end":104.73,"sentiment":"neutral","sentiment_score":0.21653174608945847},{"text":"Looks like you did purchase that home that you're looking for, which is fantastic.","start":104.810005,"end":108.51,"sentiment":"positive","sentiment_score":0.35941246364797863}],"sentiment":"neutral","sentiment_score":0.24910381097685208,"num_words":33,"start":97.505,"end":108.51},{"sentences":[{"text":"We did have you listed down looking to get some appliances for the house and save up for some overseas trips.","start":109.53001,"end":116.89,"sentiment":"neutral","sentiment_score":0.16629620960780553},{"text":"Is that still correct?","start":116.89,"end":118.03,"sentiment":"neutral","sentiment_score":0.08152300398796797},{"text":"Okay.","start":121.055,"end":121.555,"sentiment":"neutral","sentiment_score":-0.0008941581472754478},{"text":"We're still going to Ireland in England or Yep.","start":122.335,"end":130.85,"sentiment":"neutral","sentiment_score":-0.012984296824369166},{"text":"So a bit of a medium term goal, we'll call that one.","start":130.91,"end":133.25,"sentiment":"neutral","sentiment_score":0.0954714094599088}],"sentiment":"neutral","sentiment_score":0.10311098939719353,"num_words":47,"start":109.53001,"end":133.25},{"sentences":[{"text":"Do you have any, like, figures in mind?","start":134.19,"end":137.07,"sentiment":"neutral","sentiment_score":0.047051202272996306},{"text":"I'm like, get or kind of as much savings as you can and come back to that in a couple years.","start":137.07,"end":144.05,"sentiment":"neutral","sentiment_score":0.10306013907705035},{"text":"Awesome.","start":152.175,"end":152.655,"sentiment":"neutral","sentiment_score":0.1753574162721634},{"text":"So you're thinking kind of one to three years for the house and then holidays after that?","start":152.655,"end":157.235,"sentiment":"neutral","sentiment_score":0.025382052340051708},{"text":"Perfect.","start":159.61,"end":160.11,"sentiment":"positive","sentiment_score":0.5324062705039978}],"sentiment":"neutral","sentiment_score":0.07666523156998058,"num_words":48,"start":134.19,"end":160.11},{"sentences":[{"text":"I'm just having a look through the details.","start":160.32999,"end":161.93,"sentiment":"neutral","sentiment_score":0.27964442409574986},{"text":"So mobile, email.","start":161.93,"end":163.31,"sentiment":"neutral","sentiment_score":0.06474847967425983},{"text":"Are you okay for us to still use your Yahoo email address?","start":163.68999,"end":166.67,"sentiment":"neutral","sentiment_score":0.04929761588573456},{"text":"K.","start":168.81,"end":169.12999,"sentiment":"neutral","sentiment_score":0.01934308372437954},{"text":"We've got Robin, your mother listed as your next of kin.","start":169.12999,"end":172.34999,"sentiment":"neutral","sentiment_score":0.05248808488249779}],"sentiment":"neutral","sentiment_score":0.10341954970998424,"num_words":35,"start":160.32999,"end":172.34999},{"sentences":[{"text":"We had you listed as a payroll officer for Frontier Software, earning about I think, yeah, listed 89,692, saving a couple of $100 on week on average.","start":172.625,"end":186.645,"sentiment":"neutral","sentiment_score":0.06252178080655911},{"text":"Yep.","start":186.94499,"end":187.44499,"sentiment":"neutral","sentiment_score":0.2096884697675705},{"text":"Awesome.","start":187.72,"end":188.22,"sentiment":"positive","sentiment_score":0.580299437046051},{"text":"We've got salary sacrificing 200 a month to super.","start":188.68,"end":192.14,"sentiment":"neutral","sentiment_score":0.17041265136665767},{"text":"Can I just double check with you?","start":193.16,"end":194.52,"sentiment":"neutral","sentiment_score":0.0842286843274321}],"sentiment":"neutral","sentiment_score":0.10225312535961469,"num_words":45,"start":172.625,"end":194.52},{"sentences":[{"text":"Are you still comfortable with that amount of salary sacrifice?","start":194.52,"end":197.66,"sentiment":"neutral","sentiment_score":-0.0535697914659977},{"text":"Okay.","start":200.69499,"end":201.19499,"sentiment":"neutral","sentiment_score":0.011365965008735657},{"text":"The home listed last time valued at 371,000 owing about 300,000.","start":201.815,"end":207.495,"sentiment":"neutral","sentiment_score":0.0015264034948565743},{"text":"Is that pretty close to the mark, or is it kind of fluctuating quite a bit?","start":207.495,"end":210.935,"sentiment":"neutral","sentiment_score":-0.03344713361002505},{"text":"I know the market's gonna be crazy.","start":210.935,"end":212.715,"sentiment":"neutral","sentiment_score":-0.1705637467758996}],"sentiment":"neutral","sentiment_score":-0.04970315280887816,"num_words":45,"start":194.52,"end":212.715},{"sentences":[{"text":"For the house value, I think we had it at $371,000.","start":216.12001,"end":219.48001,"sentiment":"neutral","sentiment_score":-0.08486005765470592},{"text":"Would that have jumped up a lot?","start":219.48001,"end":221.02,"sentiment":"neutral","sentiment_score":-0.10155625215598515},{"text":"Oh, are you okay for me just to look up on property.com and add an updated value there?","start":226.85501,"end":231.91501,"sentiment":"neutral","sentiment_score":0.04033842362049553},{"text":"K.","start":234.295,"end":234.695,"sentiment":"neutral","sentiment_score":0.018630992621183395},{"text":"And the only other assets we had was a motor vehicle and about $5 worth of savings.","start":234.695,"end":239.35501,"sentiment":"neutral","sentiment_score":0.05805941287647275}],"sentiment":"neutral","sentiment_score":0.0016181155073421974,"num_words":54,"start":216.12001,"end":239.35501},{"sentences":[{"text":"Is there any other shares, crypto, personal loans, anything like that?","start":239.81,"end":243.83,"sentiment":"neutral","sentiment_score":0.07853499766100537},{"text":"Amazing.","start":246.12999,"end":246.62999,"sentiment":"positive","sentiment_score":0.506636381149292},{"text":"And we did actually have that you had put in place a a will.","start":246.93,"end":250.12999,"sentiment":"neutral","sentiment_score":0.20502006901162012},{"text":"Is that correct?","start":250.12999,"end":250.95,"sentiment":"neutral","sentiment_score":0.12683274348576865},{"text":"K.","start":257.585,"end":258.085,"sentiment":"neutral","sentiment_score":0.03227119892835617}],"sentiment":"neutral","sentiment_score":0.15511905836562315,"num_words":30,"start":239.81,"end":258.085},{"sentences":[{"text":"You just might give a reminder that also maybe put in place, like, a power of attorney, if you remember what that does.","start":258.305,"end":264.565,"sentiment":"neutral","sentiment_score":0.03343354254637076},{"text":"That's kind of like the the will is where does everything go when you pass away.","start":270.49002,"end":274.35,"sentiment":"neutral","sentiment_score":-0.19222635310143232},{"text":"Power of attorney is if you're, let's say, in hospital, can't act on your own behalf, can someone actually access the bank accounts to make sure the mortgage is paid?","start":274.65,"end":284.57498,"sentiment":"neutral","sentiment_score":-0.02429197362313668},{"text":"Can they talk to the doctors on your behalf?","start":284.715,"end":286.715,"sentiment":"neutral","sentiment_score":-0.020043849531147215},{"text":"All that kind of thing.","start":286.715,"end":288.01498,"sentiment":"neutral","sentiment_score":-0.0012053057551383972}],"sentiment":"neutral","sentiment_score":-0.038817235594054304,"num_words":83,"start":258.305,"end":288.01498},{"sentences":[{"text":"And it just kind of stops everyone from having to go to the courts for probate.","start":290.395,"end":294.79498,"sentiment":"neutral","sentiment_score":0.19750012457370758},{"text":"Makes it a bit simpler.","start":294.79498,"end":296.01498,"sentiment":"positive","sentiment_score":0.4015534043312073},{"text":"Sometimes that can take a little while.","start":296.38998,"end":298.25,"sentiment":"neutral","sentiment_score":-0.023715804730142866},{"text":"K.","start":302.38998,"end":302.47,"sentiment":"neutral","sentiment_score":0.070675328373909},{"text":"Now just going through the super, do you log in to your hub 24 every now and then to keep an eye on it, or is it more of a just a yearly check?","start":302.47,"end":309.37,"sentiment":"neutral","sentiment_score":0.06285076949964552}],"sentiment":"neutral","sentiment_score":0.11443428369978118,"num_words":63,"start":290.395,"end":309.37},{"sentences":[{"text":"No.","start":316.175,"end":316.335,"sentiment":"neutral","sentiment_score":-0.033093418926000595},{"text":"That's totally fine.","start":316.335,"end":317.215,"sentiment":"neutral","sentiment_score":0.19284645716349283},{"text":"You do have us there to look at it.","start":317.215,"end":318.995,"sentiment":"positive","sentiment_score":0.35897675818867153},{"text":"You've had a pretty pretty strong journey, especially with all that salary sacrifice.","start":319.215,"end":323.715,"sentiment":"positive","sentiment_score":0.40955621691850513},{"text":"I'm looking at your entire history from 2021.","start":323.775,"end":327.28,"sentiment":"neutral","sentiment_score":0.1744613405317068}],"sentiment":"neutral","sentiment_score":0.30871053883696303,"num_words":34,"start":316.175,"end":327.28},{"sentences":[{"text":"You started with about 66,000.","start":327.5,"end":329.75998,"sentiment":"neutral","sentiment_score":0.13637661933898926},{"text":"You're sitting at a $125.07 $9.07 as of today.","start":330.06,"end":334.72,"sentiment":"neutral","sentiment_score":0.12503445810741848},{"text":"You've gone through couple little dips in the market in 2025 and in March just with what was going on in the world out there.","start":336.3,"end":345.315,"sentiment":"neutral","sentiment_score":-0.0037059697508811953},{"text":"You'll notice that when you get that DocuSign pack from us, there'll be a performance report in there that'll show you every investment option that you've got as well as your overall portfolio as well.","start":345.615,"end":358.33,"sentiment":"neutral","sentiment_score":0.22169113882950375},{"text":"Now if you recall, Lauren, you're in, like, a growth portfolio, kind of that four out of five on the risk scale, 80% growth assets, shares, and property.","start":359.66998,"end":368.31,"sentiment":"neutral","sentiment_score":0.12628766681466783}],"sentiment":"neutral","sentiment_score":0.12754694613463738,"num_words":102,"start":327.5,"end":368.31},{"sentences":[{"text":"Does that ring a bell?","start":368.31,"end":369.345,"sentiment":"neutral","sentiment_score":0.1412869691848755},{"text":"K.","start":371.98502,"end":372.48502,"sentiment":"neutral","sentiment_score":-0.011886429972946644},{"text":"Now as far as the performance the last twelve months goes, even with the market dropping, when you're in a growth profile, you're kind of aiming for that 9% or above on that.","start":372.545,"end":388.06,"sentiment":"neutral","sentiment_score":0.15994535126920903},{"text":"Now one thing I did wanna just quickly raise with you is out of the kind of 10 options that you're in, most of them have been pretty incredible the last twelve months.","start":388.92,"end":399.64,"sentiment":"positive","sentiment_score":0.4293515822201064},{"text":"You've got some battery tech, which is like your electric vehicles.","start":399.64,"end":403.465,"sentiment":"positive","sentiment_score":0.3742679032412442}],"sentiment":"neutral","sentiment_score":0.2922686042982232,"num_words":83,"start":368.31,"end":403.465},{"sentences":[{"text":"That's gone up about a 109%.","start":403.525,"end":405.785,"sentiment":"positive","sentiment_score":0.5007191697756449},{"text":"Gold and silver going up about a 100%.","start":406.805,"end":409.285,"sentiment":"positive","sentiment_score":0.4381135068833828},{"text":"Your shares up 70%.","start":409.285,"end":410.645,"sentiment":"positive","sentiment_score":0.3839854374527931},{"text":"Everything's been really crazy for twelve months.","start":410.645,"end":412.98,"sentiment":"positive","sentiment_score":0.35212892506803783},{"text":"The only one that's kind of underperformed is your Australian shares in a Bennelong option.","start":413.22,"end":419.16,"sentiment":"neutral","sentiment_score":-0.15118089069922766}],"sentiment":"neutral","sentiment_score":0.20605884846299888,"num_words":40,"start":403.525,"end":419.16},{"sentences":[{"text":"Now I'm looking at this through the history of your account, and I would have expected it to have bounced back this year.","start":420.98,"end":428.52002,"sentiment":"neutral","sentiment_score":-0.043139313833545086},{"text":"I know that Benelon had a pretty poor year last year, but it hasn't really bounced back to catch up with the rest of those Australian shares option that are out there.","start":428.625,"end":437.605,"sentiment":"neutral","sentiment_score":-0.22907284973189235},{"text":"Are you okay for me to look at getting a bit of a replacement option for that one?","start":438.145,"end":443.125,"sentiment":"neutral","sentiment_score":-0.036519295846422516},{"text":"K.","start":446.61,"end":447.09,"sentiment":"neutral","sentiment_score":0.02148253098130226},{"text":"I do have one question for you.","start":447.09,"end":448.61,"sentiment":"neutral","sentiment_score":0.023922226524778774}],"sentiment":"neutral","sentiment_score":-0.10853018047127092,"num_words":81,"start":420.98,"end":448.61},{"sentences":[{"text":"There's no wrong answer here.","start":448.61,"end":449.81,"sentiment":"neutral","sentiment_score":0.006237901374697685},{"text":"It's really just if you have a strong gut feeling either way.","start":449.81,"end":453.35,"sentiment":"neutral","sentiment_score":0.0487404428422451},{"text":"Do you have a preference between going for, like, the lowest fee investments possible, or are you okay with the idea of paying a little bit higher fees to get some higher returns?","start":453.57,"end":462.775,"sentiment":"neutral","sentiment_score":0.03451148302040317},{"text":"Do you have a strong link between the two?","start":462.835,"end":464.855,"sentiment":"neutral","sentiment_score":0.004166289336151547},{"text":"That's okay?","start":468.995,"end":469.815,"sentiment":"neutral","sentiment_score":-0.0007374081760644913}],"sentiment":"neutral","sentiment_score":0.029360254890606053,"num_words":61,"start":448.61,"end":469.815},{"sentences":[{"text":"Cool.","start":473.00998,"end":473.33,"sentiment":"neutral","sentiment_score":0.2277849912643433},{"text":"So you're in kind of a blend at the moment where most of it is low fee, only a little bit is in the active side.","start":473.33,"end":479.99,"sentiment":"neutral","sentiment_score":0.13862708468849844},{"text":"We do have some other options I've been researching since New Year's, which I'm gonna compare for you.","start":480.53,"end":486.805,"sentiment":"neutral","sentiment_score":0.18761755029360452},{"text":"And then what I'll do is I'll put together a bit of an updated statement of advice just to show you the differences between them.","start":486.865,"end":493.265,"sentiment":"neutral","sentiment_score":0.09175106711685657},{"text":"And if you're comfortable with that, we can make a bit of a switch there.","start":493.265,"end":496.8,"sentiment":"neutral","sentiment_score":0.3055966943502426}],"sentiment":"neutral","sentiment_score":0.16572861401912045,"num_words":85,"start":473.00998,"end":496.8},{"sentences":[{"text":"Just with the risk level briefly, we did have a pretty good example in March of the market going down and then bouncing back.","start":500.4,"end":508.15997,"sentiment":"neutral","sentiment_score":0.22132357799758515},{"text":"And I just wanted to quickly let you know how that looks because you are in a growth risk profile.","start":508.15997,"end":513.265,"sentiment":"neutral","sentiment_score":0.16020945645868778},{"text":"So you went from a 127 down to a 116,000 to call it, like, an 11,000 drop, and then it bounced back 9,000 within two weeks.","start":513.885,"end":523.985,"sentiment":"neutral","sentiment_score":0.06804123434882897},{"text":"That's pretty normal in terms of what a growth risk profile tends to fluctuate like.","start":524.69995,"end":530.45996,"sentiment":"neutral","sentiment_score":0.06399684995412827},{"text":"And because it's all percentage returns, it's just gonna be going up and down anywhere between 10 and $30,000 a year based on the returns of the market on top of your contributions, of course.","start":530.45996,"end":543.085,"sentiment":"neutral","sentiment_score":0.06711777416723115}],"sentiment":"neutral","sentiment_score":0.11328418282791972,"num_words":120,"start":500.4,"end":543.085},{"sentences":[{"text":"Do you have any concerns there?","start":543.625,"end":544.905,"sentiment":"neutral","sentiment_score":0.049620542054375015},{"text":"Are you okay to still focus on trying to grow as much as you can?","start":544.905,"end":548.125,"sentiment":"neutral","sentiment_score":0.1269494652748108},{"text":"K.","start":551.01,"end":551.49,"sentiment":"neutral","sentiment_score":0.012054940685629845},{"text":"Do you have any inclination to look at going more aggressive with it?","start":551.49,"end":554.93,"sentiment":"neutral","sentiment_score":-0.03640788564315209},{"text":"You know, going to high growth so you can retire earlier, grow it even faster, or does the sound of high risk kind of make you a bit iffy?","start":554.93,"end":562.425,"sentiment":"neutral","sentiment_score":-0.15233145422976593}],"sentiment":"neutral","sentiment_score":-0.04182647677953355,"num_words":64,"start":543.625,"end":562.425},{"sentences":[{"text":"Yep.","start":562.425,"end":562.925,"sentiment":"neutral","sentiment_score":0.05337296426296234},{"text":"And, look, doing salary sacrifice while being in a growth portfolio kind of has the same effect.","start":568.425,"end":573.46497,"sentiment":"neutral","sentiment_score":0.10382860811317668},{"text":"So as long as you're still okay to keep doing that kind of 50 a week into your super, you'll still get to a pretty similar outcome as someone who is in a high risk.","start":573.46497,"end":582.16003,"sentiment":"neutral","sentiment_score":0.1468571612877505},{"text":"K.","start":585.02,"end":585.5,"sentiment":"neutral","sentiment_score":0.24494029581546783},{"text":"So that's perfect.","start":585.5,"end":586.54004,"sentiment":"positive","sentiment_score":0.5249455471833547}],"sentiment":"neutral","sentiment_score":0.15400415587059238,"num_words":57,"start":562.425,"end":586.54004},{"sentences":[{"text":"I'll leave the risk level alone.","start":586.54004,"end":588.06,"sentiment":"neutral","sentiment_score":0.2459181547164917},{"text":"We'll just give the the old portfolio a bit of an engine tune up, and I'll update some projections for you as well.","start":588.06,"end":595.855,"sentiment":"neutral","sentiment_score":0.27087434219277423},{"text":"Last question I had on the super was, do you have a bit of a preference?","start":596.39496,"end":599.83496,"sentiment":"neutral","sentiment_score":-0.0011527126189321282},{"text":"I know it's a long while away, but between retiring towards age 65, 67 when the age pension kind of kicks in, or do you want to kind of retire as early as possible?","start":599.83496,"end":611.35004,"sentiment":"neutral","sentiment_score":-0.05636995762367459},{"text":"Do you have a preference between the two?","start":612.13,"end":613.99005,"sentiment":"neutral","sentiment_score":-0.0048490967601537704}],"sentiment":"neutral","sentiment_score":0.06588280532808824,"num_words":87,"start":586.54004,"end":613.99005},{"sentences":[{"text":"Yeah.","start":618.785,"end":619.285,"sentiment":"neutral","sentiment_score":0.0018346495926380155},{"text":"But I guess, we're obviously going to first grow your super as much as we can.","start":619.345,"end":623.82495,"sentiment":"neutral","sentiment_score":0.23468693811446428},{"text":"As you get close to retirement, we can kind of talk through how long it's gonna last and when a good time to be to protect it and also to access it.","start":623.82495,"end":632.45,"sentiment":"neutral","sentiment_score":0.16751576820388436},{"text":"So for now, I'll just focus on the growth side.","start":632.45,"end":634.79,"sentiment":"neutral","sentiment_score":0.233323385566473},{"text":"Perfect.","start":637.01,"end":637.51,"sentiment":"positive","sentiment_score":0.6971556544303894}],"sentiment":"neutral","sentiment_score":0.20246199586739141,"num_words":60,"start":618.785,"end":637.51},{"sentences":[{"text":"Is there anything else on the cards for you in the next three to five years goals wise that we haven't already talked about?","start":637.64996,"end":644.135,"sentiment":"positive","sentiment_score":0.3374952661494414},{"text":"Okay.","start":647.23505,"end":647.47504,"sentiment":"neutral","sentiment_score":0.05504313111305237},{"text":"So it's really just fix up the house, maybe a bit of holidays, pay off that mortgage.","start":647.47504,"end":652.05505,"sentiment":"neutral","sentiment_score":0.15178626205991297},{"text":"Are you the type of person, Lauren, to look into investing one day, or are you just happy to have that stable base?","start":652.755,"end":663.18,"sentiment":"neutral","sentiment_score":0.10690664143665977},{"text":"That's totally fair.","start":663.18,"end":664.39996,"sentiment":"neutral","sentiment_score":-0.032620237519343696}],"sentiment":"neutral","sentiment_score":0.1925924707971075,"num_words":68,"start":637.64996,"end":664.39996},{"sentences":[{"text":"I was looking at your beneficiary nominations.","start":665.1,"end":667.83997,"sentiment":"neutral","sentiment_score":-0.043531092682055066},{"text":"There was a note here that you don't really wanna put in place a beneficiary nomination at this point.","start":667.89996,"end":672.615,"sentiment":"neutral","sentiment_score":-0.1768205687403679},{"text":"Probably just sort out, like, a will and a power of attorney.","start":672.695,"end":675.735,"sentiment":"neutral","sentiment_score":-0.110690093288819},{"text":"Did you want me to add anybody on there for the sofa?","start":675.735,"end":678.395,"sentiment":"neutral","sentiment_score":-0.08723956191291411},{"text":"Okay.","start":684.055,"end":684.555,"sentiment":"neutral","sentiment_score":-0.008626768365502357}],"sentiment":"neutral","sentiment_score":-0.11859002128681716,"num_words":51,"start":665.1,"end":684.555},{"sentences":[{"text":"If at any point you put in place a will and you want your super to go to your mother, for example, you can actually direct your super towards the will as well.","start":684.71,"end":694.01,"sentiment":"neutral","sentiment_score":0.11263571736035925},{"text":"So if you go to do that, whether it's through a solicitor like a courthouse, public trustee of the state, or even a will kit for 25 pucks at the post office, if you do wanna include the super in that, we can fix up a nomination to go in that direction too.","start":694.07,"end":710.215,"sentiment":"neutral","sentiment_score":0.12071419050389866},{"text":"So just gonna let us know.","start":710.215,"end":711.66,"sentiment":"neutral","sentiment_score":0.08459286764264107},{"text":"K.","start":714.94,"end":715.33997,"sentiment":"neutral","sentiment_score":0.01386295072734356},{"text":"Last two things for me.","start":715.33997,"end":716.8,"sentiment":"neutral","sentiment_score":-0.010246958211064338}],"sentiment":"neutral","sentiment_score":0.1080103687257791,"num_words":98,"start":684.71,"end":716.8},{"sentences":[{"text":"You've got a Neos income protection and no life and disability insurance.","start":717.5,"end":722.86,"sentiment":"neutral","sentiment_score":-0.07790932369728883},{"text":"There's a note here that it's not really that important for you at the moment, mainly just the income protection.","start":722.86,"end":727.165,"sentiment":"neutral","sentiment_score":-0.18822488747537136},{"text":"Is that right?","start":727.165,"end":729.78503,"sentiment":"neutral","sentiment_score":-0.029298650721708935},{"text":"K.","start":731.085,"end":731.565,"sentiment":"neutral","sentiment_score":-0.025821134448051453},{"text":"We've got 1,441 per year.","start":731.565,"end":735.665,"sentiment":"neutral","sentiment_score":-0.16451275646686553}],"sentiment":"neutral","sentiment_score":-0.13745586592249753,"num_words":41,"start":717.5,"end":735.665},{"sentences":[{"text":"It comes out with a expensive.","start":735.805,"end":737.665,"sentiment":"negative","sentiment_score":-0.4329669425884883},{"text":"We've got a four week waiting period.","start":742.29004,"end":744.29004,"sentiment":"neutral","sentiment_score":-0.3046350223677499},{"text":"So if you're out of work for a month, it'll kick in monthly, and we'll pay you up to five years.","start":744.29004,"end":750.23004,"sentiment":"neutral","sentiment_score":-0.17923071341855185},{"text":"Now the one question I have for you, Lauren, is your cover amount, 4,499 a month.","start":750.53,"end":758.15497,"sentiment":"neutral","sentiment_score":-0.04679181729443371},{"text":"So call it $4,500 a month you would get if you're off work.","start":758.295,"end":761.995,"sentiment":"neutral","sentiment_score":-0.06210976953689869}],"sentiment":"neutral","sentiment_score":-0.15952679166008557,"num_words":63,"start":735.805,"end":761.995},{"sentences":[{"text":"You've got one of those really good 75% policies that just stopped.","start":762.855,"end":767.415,"sentiment":"neutral","sentiment_score":0.30710145582755405},{"text":"The government kind of banned it in October 2021, and you got this in place in September, which is great.","start":767.415,"end":773.48,"sentiment":"neutral","sentiment_score":0.18929781280457975},{"text":"But it's a little bit below what you could be insured for.","start":774.5,"end":778.19995,"sentiment":"neutral","sentiment_score":-0.20729690790176392},{"text":"So if you base it on your total income, you could have a maximum cover amount of about 5,500 a month.","start":778.81995,"end":787.105,"sentiment":"neutral","sentiment_score":0.029873354360461235},{"text":"You've got 4,500 a month.","start":787.245,"end":789.505,"sentiment":"neutral","sentiment_score":0.009220991656184197}],"sentiment":"neutral","sentiment_score":0.08081508901502404,"num_words":70,"start":762.855,"end":789.505},{"sentences":[{"text":"My question really is if you're off work for three months, would you be able to survive on that kind of thousand dollars a week?","start":789.565,"end":796.365,"sentiment":"neutral","sentiment_score":-0.12526853635907173},{"text":"Do you want me to look at a bit of an increased quote?","start":796.365,"end":798.87006,"sentiment":"neutral","sentiment_score":-0.04770244228152128},{"text":"What's your preference?","start":799.25,"end":800.23004,"sentiment":"neutral","sentiment_score":0.005653174904485543},{"text":"It probably wouldn't cost too much to bump it up a little bit.","start":814.945,"end":818.245,"sentiment":"neutral","sentiment_score":-0.15273303968402055},{"text":"I'm thinking if it goes from 4,500 to 5,500, it may only go up a couple $100 a year.","start":818.625,"end":825.16,"sentiment":"neutral","sentiment_score":-0.09723904297540062}],"sentiment":"neutral","sentiment_score":-0.10367064337463003,"num_words":73,"start":789.565,"end":825.16},{"sentences":[{"text":"Do you want me to get a bit of an alteration quote with Niels and just run you through that when I go through the portfolio update?","start":825.38,"end":831.24,"sentiment":"neutral","sentiment_score":-0.0050254811843236285},{"text":"Yeah.","start":840.755,"end":841.15497,"sentiment":"neutral","sentiment_score":0.07145902514457703},{"text":"No worries at all.","start":841.15497,"end":841.955,"sentiment":"neutral","sentiment_score":0.09810211323201656},{"text":"I'll put a note down that we'll leave that there, and I'll just put some context in that this is covering base expenses, and we may look at it in twelve months.","start":841.955,"end":849.175,"sentiment":"neutral","sentiment_score":0.07454974751453847},{"text":"Alrighty.","start":852.47003,"end":852.97003,"sentiment":"neutral","sentiment_score":0.1490853875875473}],"sentiment":"neutral","sentiment_score":0.04404395067921052,"num_words":65,"start":825.38,"end":852.97003},{"sentences":[{"text":"So outside of giving the old portfolio a freshen up, which will pop up you a couple of weeks with updated plan, is there anything on your end?","start":853.03,"end":862.39,"sentiment":"neutral","sentiment_score":0.11738041442419801},{"text":"Any questions for me?","start":862.39,"end":863.865,"sentiment":"neutral","sentiment_score":-0.0014655797276645899},{"text":"Okay.","start":866.985,"end":867.485,"sentiment":"neutral","sentiment_score":-0.015094531700015068},{"text":"In that pack that's been sent through to you, just to let you know all the documents that are there, it comes through with, like, email attachments and then also that digital authorization link.","start":868.185,"end":878.765,"sentiment":"neutral","sentiment_score":0.057566985926207376},{"text":"So the attachments include your certificate of currency for the insurances, your portfolio performance, an updated financial services guide from us with all of our licensing details and so on.","start":878.93,"end":891.35,"sentiment":"neutral","sentiment_score":0.07549739057819048}],"sentiment":"neutral","sentiment_score":0.07719478342374883,"num_words":97,"start":853.03,"end":891.35},{"sentences":[{"text":"And then inside the authorization, there are two important documents.","start":891.615,"end":895.135,"sentiment":"neutral","sentiment_score":0.025806224159896373},{"text":"There's a service agreement, but also a tax file number declaration.","start":895.135,"end":899.635,"sentiment":"neutral","sentiment_score":0.009259212084791878},{"text":"Now with the tax file number, because of all of the cybersecurity issues of last year, We're trying to remove where we hold that number from all digital systems and just put it on the one document.","start":900.655,"end":913.26,"sentiment":"neutral","sentiment_score":-0.12513446490708235},{"text":"So I just wanted to double check if you're okay to consent to that.","start":913.48,"end":916.78,"sentiment":"neutral","sentiment_score":-0.058313480977501185},{"text":"Okay.","start":920.375,"end":920.875,"sentiment":"neutral","sentiment_score":0.016965599730610847}],"sentiment":"neutral","sentiment_score":-0.06944499672581889,"num_words":73,"start":891.615,"end":920.875},{"sentences":[{"text":"With the service agreement, are you still comfortable for us to look after your super for the next year?","start":921.335,"end":925.755,"sentiment":"neutral","sentiment_score":0.026400502771139145},{"text":"K.","start":928.455,"end":928.955,"sentiment":"neutral","sentiment_score":0.034229423850774765},{"text":"With the fees themselves, so we always give an estimate going forward for twelve months including a bit of super growth in there, but it's basically the usual 1.65% that's split into little monthly payments throughout the year.","start":929.335,"end":942.08997,"sentiment":"neutral","sentiment_score":0.03693500536150838},{"text":"It's not like a lock in contract, but it is a twelve month consent to be listed as advisers so we can still liaise with Pub twenty four and the insurance companies and so on.","start":942.08997,"end":951.995,"sentiment":"neutral","sentiment_score":0.03919426580624921},{"text":"Do you have any questions on that?","start":952.375,"end":953.995,"sentiment":"neutral","sentiment_score":0.027155356481671333}],"sentiment":"neutral","sentiment_score":0.03501255978830159,"num_words":100,"start":921.335,"end":953.995},{"sentences":[{"text":"Cool.","start":956.855,"end":957.355,"sentiment":"neutral","sentiment_score":0.0562950074672699},{"text":"So if you're okay to hop on there when you've got a minute and give that a sign for us.","start":957.415,"end":962.41,"sentiment":"neutral","sentiment_score":0.09342971164733171},{"text":"If you have any questions on how that works, if you can draw your signature, that would be better for the providers, but it usually stands on a signature as well.","start":962.41,"end":971.63,"sentiment":"neutral","sentiment_score":0.055721027235830986},{"text":"Once we get that back, the team will pretty much be finished their research and updated advice document with me.","start":971.93,"end":982.625,"sentiment":"neutral","sentiment_score":0.16402819380164146},{"text":"Okay.","start":986.125,"end":986.625,"sentiment":"neutral","sentiment_score":0.2898244261741638}],"sentiment":"neutral","sentiment_score":0.0989401285881049,"num_words":73,"start":956.855,"end":986.625},{"sentences":[{"text":"Now I appreciate you taking the time this morning.","start":986.925,"end":988.925,"sentiment":"positive","sentiment_score":0.6486355066299438},{"text":"That was a nice and easy review.","start":988.925,"end":991.05,"sentiment":"positive","sentiment_score":0.7679011140550885},{"text":"Only a couple of little things to fix up.","start":991.05,"end":993.14996,"sentiment":"positive","sentiment_score":0.34877972801526386},{"text":"Any last questions for me before I let you go and enjoy your your week?","start":993.52997,"end":997.31,"sentiment":"positive","sentiment_score":0.41731367508570355},{"text":"Awesome, Thank you so much for your time today.","start":1001.29,"end":1003.95,"sentiment":"positive","sentiment_score":0.8934097819858127}],"sentiment":"positive","sentiment_score":0.5847436341704154,"num_words":49,"start":986.925,"end":1003.95},{"sentences":[{"text":"Keep an eye out for our calls.","start":1004.10504,"end":1006.185,"sentiment":"positive","sentiment_score":0.4780029313904898},{"text":"If we miss you, we'll just send you a text and email.","start":1006.185,"end":1008.685,"sentiment":"neutral","sentiment_score":0.2897660794357459},{"text":"Have a fantastic day.","start":1012.66504,"end":1013.705,"sentiment":"positive","sentiment_score":0.7448214292526245},{"text":"Thank you so much.","start":1013.705,"end":1014.685,"sentiment":"positive","sentiment_score":0.8288601785898209},{"text":"Bye.","start":1017.705,"end":1018.205,"sentiment":"neutral","sentiment_score":-0.09868422150611876}],"sentiment":"positive","sentiment_score":0.4649734172437872,"num_words":28,"start":1004.10504,"end":1018.205}]}}]},{"alternatives":[{"transcript":"Hello? Good. Yep. Yep. Yep. '84, and address is Unit 460 King George Prairie General. Please just need to go over. I'm sorry. Yep. Not really. Yep. Yep. Probably several years off. But yeah. Yeah. It's really not a priority. I'm trying to get all my house sorted and looking nice, or I even think about holidays at the moment. Yeah. Yep. Yep. Yep. Yep. Yep. For what? Sorry. That's what I paid for it. I have no idea if it's changed since then. Yep. Yep. Hang on. I haven't yet, but I should look into doing that. Not really. Yep. Yep. Yes. Oh my god. Six monthly check. I always forget to check it. Yep. Yep. Yep. Yep. Yep. I have no idea. All that stuff is Chinese to me, so whatever you recommend. Yep. Yep. Yeah. I'd probably rather go the safer option. Yep. Not really. I haven't really thought about it. Yeah. Yep. No. Yeah. I really don't wanna invest. Nothing is right at the moment. Yep. Yeah. Yep. Yeah. Like, living expenses, yes. But factoring in my mortgage into that, probably not. Probably leave it for now. I think something we can revisit maybe at the next review. Yep. No. Nope. No. Yep. Yep. No. Okay. No. Yep. No worries. Okay. Bye.","confidence":0.95947266,"words":[{"word":"hello","start":0.0,"end":0.5,"confidence":0.97216797,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.04027314856648445},{"word":"good","start":6.8799996,"end":7.3799996,"confidence":0.8581543,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5080534815788269},{"word":"yep","start":13.04,"end":13.54,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25429192185401917},{"word":"yep","start":22.385,"end":22.885,"confidence":0.96875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16380232572555542},{"word":"yep","start":38.67,"end":39.165,"confidence":0.78515625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019432831555604935},{"word":"'84","start":39.405003,"end":41.585,"confidence":0.93811035,"punctuated_word":"'84,","sentiment":"neutral","sentiment_score":0.013480599969625471},{"word":"and","start":42.045002,"end":42.445,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01628810353577137},{"word":"address","start":42.445,"end":42.925,"confidence":0.99609375,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.017631590366363525},{"word":"is","start":42.925,"end":43.425,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026144444942474365},{"word":"unit","start":43.645,"end":44.045002,"confidence":0.99316406,"punctuated_word":"Unit","sentiment":"neutral","sentiment_score":0.017669115215539932},{"word":"460","start":44.045002,"end":44.925,"confidence":0.9941406,"punctuated_word":"460","sentiment":"neutral","sentiment_score":0.032076213508844376},{"word":"king","start":44.925,"end":45.245003,"confidence":0.9902344,"punctuated_word":"King","sentiment":"neutral","sentiment_score":0.03859233111143112},{"word":"george","start":45.245003,"end":45.645,"confidence":0.99609375,"punctuated_word":"George","sentiment":"neutral","sentiment_score":0.049301162362098694},{"word":"prairie","start":45.645,"end":45.965,"confidence":0.2619629,"punctuated_word":"Prairie","sentiment":"neutral","sentiment_score":0.039730582386255264},{"word":"general","start":45.965,"end":46.465,"confidence":0.6645508,"punctuated_word":"General.","sentiment":"neutral","sentiment_score":0.04290885478258133},{"word":"please","start":62.68,"end":62.92,"confidence":0.6044922,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":-0.0111817829310894},{"word":"just","start":62.92,"end":63.08,"confidence":0.8828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.019536234438419346},{"word":"need","start":63.08,"end":63.32,"confidence":0.7451172,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.017516881227493286},{"word":"to","start":63.32,"end":63.48,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017393968999385834},{"word":"go","start":63.48,"end":63.64,"confidence":0.99316406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.01198573224246502},{"word":"over","start":63.64,"end":63.879997,"confidence":0.46691895,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":-0.020032688975334167},{"word":"i'm","start":63.879997,"end":64.12,"confidence":0.8701172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08614249527454376},{"word":"sorry","start":64.12,"end":64.62,"confidence":0.8234863,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.07022355496883392},{"word":"yep","start":77.975006,"end":78.15,"confidence":0.8781738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03776117041707039},{"word":"not","start":93.715,"end":94.034996,"confidence":0.9404297,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.16991254687309265},{"word":"really","start":94.034996,"end":94.534996,"confidence":0.9995117,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.13731496036052704},{"word":"yep","start":98.595,"end":99.095,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04441758245229721},{"word":"yep","start":118.47,"end":118.845,"confidence":0.767334,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01413864642381668},{"word":"probably","start":127.085,"end":127.405,"confidence":0.46801758,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.036840662360191345},{"word":"several","start":127.405,"end":127.725,"confidence":0.7890625,"punctuated_word":"several","sentiment":"neutral","sentiment_score":-0.04287131875753403},{"word":"years","start":127.725,"end":128.045,"confidence":0.99609375,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.03199656307697296},{"word":"off","start":128.045,"end":128.285,"confidence":0.671875,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.011492839083075523},{"word":"but","start":128.285,"end":128.365,"confidence":0.91259766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02051175013184547},{"word":"yeah","start":128.615,"end":129.115,"confidence":0.9980469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.034899868071079254},{"word":"yeah","start":144.45,"end":144.77,"confidence":0.82714844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04817528650164604},{"word":"it's","start":144.77,"end":144.93,"confidence":0.9890137,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1349506825208664},{"word":"really","start":144.93,"end":145.25,"confidence":0.9560547,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.20844827592372897},{"word":"not","start":145.25,"end":145.57,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.28280508518218994},{"word":"a","start":145.57,"end":145.65,"confidence":0.7636719,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4101080298423767},{"word":"priority","start":145.65,"end":146.15,"confidence":0.9916992,"punctuated_word":"priority.","sentiment":"negative","sentiment_score":-0.4393002986907959},{"word":"i'm","start":146.21,"end":146.37,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.23434877395629883},{"word":"trying","start":146.37,"end":146.48999,"confidence":0.9941406,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.14393043518066406},{"word":"to","start":146.48999,"end":146.61,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1237175390124321},{"word":"get","start":146.61,"end":146.77,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09546077251434326},{"word":"all","start":146.77,"end":146.93,"confidence":0.96972656,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07723391056060791},{"word":"my","start":146.93,"end":147.09,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.10754178464412688},{"word":"house","start":147.09,"end":147.25,"confidence":0.9453125,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.08104762434959412},{"word":"sorted","start":147.25,"end":147.65,"confidence":0.9375,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":-0.05269814282655716},{"word":"and","start":147.65,"end":147.81,"confidence":0.9086914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007330834865570068},{"word":"looking","start":147.81,"end":148.13,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.042782723903656006},{"word":"nice","start":148.13,"end":148.37,"confidence":0.5800781,"punctuated_word":"nice,","sentiment":"neutral","sentiment_score":0.028791777789592743},{"word":"or","start":148.37,"end":148.53,"confidence":0.6591797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06253702938556671},{"word":"i","start":148.53,"end":148.61,"confidence":0.9472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06468664109706879},{"word":"even","start":148.61,"end":148.85,"confidence":0.9921875,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.025587812066078183},{"word":"think","start":148.85,"end":149.09,"confidence":0.98828125,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04464476555585861},{"word":"about","start":149.09,"end":149.385,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06388270854949951},{"word":"holidays","start":149.545,"end":149.70499,"confidence":0.9980469,"punctuated_word":"holidays","sentiment":"neutral","sentiment_score":-0.01537896692752838},{"word":"at","start":149.70499,"end":149.86499,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10592124611139296},{"word":"the","start":149.86499,"end":150.36499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11782094091176988},{"word":"moment","start":153.70499,"end":154.20499,"confidence":0.9975586,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.02969696931540966},{"word":"yeah","start":157.385,"end":157.885,"confidence":0.9499512,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1828105002641678},{"word":"yep","start":172.43999,"end":172.93999,"confidence":0.9199219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06967157870531082},{"word":"yep","start":173.0,"end":173.5,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05033312365412712},{"word":"yep","start":177.085,"end":177.585,"confidence":0.89819336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06586316227912903},{"word":"yep","start":183.88501,"end":184.38501,"confidence":0.73205566,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09638893604278564},{"word":"yep","start":198.46,"end":198.96,"confidence":0.80981445,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01978345587849617},{"word":"for","start":213.355,"end":213.595,"confidence":0.99609375,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.06371881812810898},{"word":"what","start":213.595,"end":213.91501,"confidence":0.9824219,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":-0.06433994323015213},{"word":"sorry","start":213.91501,"end":214.38,"confidence":0.95947266,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.09967176616191864},{"word":"that's","start":221.5,"end":221.82,"confidence":0.8496094,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.11532618850469588},{"word":"what","start":221.82,"end":221.98001,"confidence":0.8745117,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15621325373649597},{"word":"i","start":221.98001,"end":222.14,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1688745617866516},{"word":"paid","start":222.14,"end":222.3,"confidence":0.48901367,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.1400643289089203},{"word":"for","start":222.3,"end":222.54001,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13546261191368103},{"word":"it","start":222.54001,"end":222.70001,"confidence":0.74609375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.13509845733642578},{"word":"i","start":222.70001,"end":222.86,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2954167425632477},{"word":"have","start":222.86,"end":223.02,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2630673944950104},{"word":"no","start":223.02,"end":223.18001,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.27373990416526794},{"word":"idea","start":223.18001,"end":223.58,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.2494092583656311},{"word":"if","start":223.58,"end":223.74,"confidence":0.88720703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.23709852993488312},{"word":"it's","start":223.74,"end":223.98001,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2541366517543793},{"word":"changed","start":223.98001,"end":224.46,"confidence":0.9951172,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.25067338347435},{"word":"since","start":224.46,"end":224.78,"confidence":0.7841797,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.2589143216609955},{"word":"then","start":224.78,"end":225.28,"confidence":0.99609375,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":-0.16666045784950256},{"word":"yep","start":232.155,"end":232.655,"confidence":0.9667969,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04311282187700272},{"word":"yep","start":239.755,"end":240.255,"confidence":0.9633789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06486622989177704},{"word":"hang","start":249.29001,"end":249.79001,"confidence":0.49267578,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":0.15825296938419342},{"word":"on","start":251.09,"end":251.59,"confidence":0.8688965,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.0058954739943146706},{"word":"i","start":252.89,"end":253.05,"confidence":0.87353516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10830245167016984},{"word":"haven't","start":253.05,"end":253.45,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.11073631793260574},{"word":"yet","start":253.45,"end":253.905,"confidence":0.8823242,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":-0.148946613073349},{"word":"but","start":253.985,"end":254.065,"confidence":0.9921875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14108549058437347},{"word":"i","start":254.065,"end":254.145,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14004568755626678},{"word":"should","start":254.145,"end":254.385,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.10796801745891572},{"word":"look","start":254.385,"end":254.665,"confidence":0.8886719,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04680267721414566},{"word":"into","start":254.665,"end":254.94499,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.002908453345298767},{"word":"doing","start":254.94499,"end":255.265,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.10143015533685684},{"word":"that","start":255.265,"end":255.765,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.030742131173610687},{"word":"not","start":267.825,"end":268.065,"confidence":0.8574219,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2219875454902649},{"word":"really","start":268.065,"end":268.56,"confidence":0.99853516,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.21589477360248568},{"word":"yep","start":288.33502,"end":288.83502,"confidence":0.80444336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.265658438205719},{"word":"yep","start":298.77,"end":299.27,"confidence":0.767334,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12165792286396028},{"word":"yes","start":310.655,"end":311.055,"confidence":0.78515625,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06761080771684647},{"word":"oh","start":311.055,"end":311.215,"confidence":0.37646484,"punctuated_word":"Oh","sentiment":"neutral","sentiment_score":0.04310433194041252},{"word":"my","start":311.215,"end":311.295,"confidence":0.63623047,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.015354767441749573},{"word":"god","start":311.295,"end":311.775,"confidence":0.78271484,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":0.008215997368097305},{"word":"six","start":311.775,"end":312.095,"confidence":0.52197266,"punctuated_word":"Six","sentiment":"neutral","sentiment_score":0.0017311684787273407},{"word":"monthly","start":312.095,"end":312.595,"confidence":0.48388672,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.007521681487560272},{"word":"check","start":312.655,"end":313.055,"confidence":0.6480713,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.0047449991106987},{"word":"i","start":313.055,"end":313.215,"confidence":0.43017578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06500374525785446},{"word":"always","start":313.215,"end":313.45502,"confidence":0.8364258,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.06004678457975387},{"word":"forget","start":313.45502,"end":313.525,"confidence":0.7651367,"punctuated_word":"forget","sentiment":"neutral","sentiment_score":-0.025240369141101837},{"word":"to","start":313.525,"end":313.775,"confidence":0.9604492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.045146528631448746},{"word":"check","start":313.775,"end":314.015,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.008756078779697418},{"word":"it","start":314.015,"end":314.515,"confidence":0.9926758,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.017605308443307877},{"word":"yep","start":358.94,"end":359.145,"confidence":0.8972168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15401917695999146},{"word":"yep","start":369.705,"end":370.205,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07391445338726044},{"word":"yep","start":386.61002,"end":386.895,"confidence":0.982666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2057377398014069},{"word":"yep","start":420.715,"end":421.215,"confidence":0.82910156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0737924575805664},{"word":"yep","start":444.33,"end":444.83,"confidence":0.8605957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.031776219606399536},{"word":"i","start":465.87,"end":466.03,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1031978577375412},{"word":"have","start":466.03,"end":466.27,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11654838174581528},{"word":"no","start":466.27,"end":466.51,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.13039200007915497},{"word":"idea","start":466.51,"end":467.01,"confidence":0.9921875,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":-0.13122683763504028},{"word":"all","start":467.55,"end":467.79,"confidence":0.9003906,"punctuated_word":"All","sentiment":"neutral","sentiment_score":-0.13884346187114716},{"word":"that","start":467.79,"end":467.95,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11960599571466446},{"word":"stuff","start":467.95,"end":468.27,"confidence":0.99902344,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.10289503633975984},{"word":"is","start":468.27,"end":468.43,"confidence":0.8769531,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10779798030853271},{"word":"chinese","start":468.43,"end":468.83002,"confidence":0.9760742,"punctuated_word":"Chinese","sentiment":"neutral","sentiment_score":-0.12596465647220612},{"word":"to","start":468.83002,"end":468.91,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10124702751636504},{"word":"me","start":468.91,"end":469.07,"confidence":0.80566406,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.06458143889904022},{"word":"so","start":469.07,"end":469.31,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.018598541617393497},{"word":"whatever","start":469.31,"end":469.79,"confidence":0.9760742,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.0018050149083137512},{"word":"you","start":469.79,"end":469.95,"confidence":0.9707031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.036377958953380585},{"word":"recommend","start":469.95,"end":470.45,"confidence":0.97216797,"punctuated_word":"recommend.","sentiment":"neutral","sentiment_score":0.03993889689445496},{"word":"yep","start":497.32,"end":497.82,"confidence":0.88500977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3167014718055725},{"word":"yep","start":543.55005,"end":544.05005,"confidence":0.73742676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17822745442390442},{"word":"yeah","start":548.83,"end":549.165,"confidence":0.845459,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0673980861902237},{"word":"i'd","start":564.125,"end":564.20496,"confidence":0.68774414,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.013145476579666138},{"word":"probably","start":564.20496,"end":564.605,"confidence":0.89208984,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.010846063494682312},{"word":"rather","start":564.605,"end":564.76495,"confidence":0.9921875,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.12944529950618744},{"word":"go","start":564.76495,"end":565.14,"confidence":0.97998047,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.00020365417003631592},{"word":"the","start":565.14,"end":565.38,"confidence":0.8701172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019794121384620667},{"word":"safer","start":565.38,"end":565.62,"confidence":0.47753906,"punctuated_word":"safer","sentiment":"neutral","sentiment_score":-0.02226586639881134},{"word":"option","start":565.62,"end":566.12,"confidence":0.9975586,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.013122975826263428},{"word":"yep","start":582.91504,"end":583.41504,"confidence":0.8310547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1882847249507904},{"word":"not","start":614.865,"end":615.105,"confidence":0.79541016,"punctuated_word":"Not","sentiment":"negative","sentiment_score":-0.33675482869148254},{"word":"really","start":615.105,"end":615.425,"confidence":0.9885254,"punctuated_word":"really.","sentiment":"negative","sentiment_score":-0.3339502215385437},{"word":"i","start":615.425,"end":615.505,"confidence":0.9873047,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3382275402545929},{"word":"haven't","start":615.505,"end":615.665,"confidence":0.91625977,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.3111426830291748},{"word":"really","start":615.665,"end":615.985,"confidence":0.9863281,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2353464812040329},{"word":"thought","start":615.985,"end":616.225,"confidence":0.9951172,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.30225396156311035},{"word":"about","start":616.225,"end":616.385,"confidence":1.0,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.3961558341979981},{"word":"it","start":616.385,"end":616.68,"confidence":0.99316406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.3218228816986084},{"word":"yeah","start":631.32,"end":631.635,"confidence":0.84399414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08776402473449707},{"word":"yep","start":635.47504,"end":635.97504,"confidence":0.8798828,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4167641997337342},{"word":"no","start":645.155,"end":645.54,"confidence":0.8117676,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.013865629211068152},{"word":"yeah","start":659.86,"end":660.01996,"confidence":0.9604492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08975362032651901},{"word":"i","start":660.01996,"end":660.1,"confidence":0.5048828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3283851742744446},{"word":"really","start":660.1,"end":660.33997,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.30978402495384216},{"word":"don't","start":660.33997,"end":660.5,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2195138782262802},{"word":"wanna","start":660.5,"end":660.82,"confidence":0.87841797,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2704995274543762},{"word":"invest","start":660.82,"end":661.305,"confidence":0.9448242,"punctuated_word":"invest.","sentiment":"negative","sentiment_score":-0.3498358428478241},{"word":"nothing","start":680.69,"end":681.01,"confidence":0.9707031,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":-0.21703536808490753},{"word":"is","start":681.01,"end":681.25,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1836942583322525},{"word":"right","start":681.25,"end":681.49,"confidence":0.9370117,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.2789389193058014},{"word":"at","start":681.49,"end":681.57,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23277658224105835},{"word":"the","start":681.57,"end":681.73004,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23819439113140103},{"word":"moment","start":681.73004,"end":682.23004,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.2031577825546265},{"word":"yep","start":712.39996,"end":712.875,"confidence":0.8256836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06722979247570038},{"word":"yeah","start":728.74,"end":729.24,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.035836800932884216},{"word":"yep","start":762.74,"end":763.24,"confidence":0.7435303,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17691192030906677},{"word":"yeah","start":779.13495,"end":779.63495,"confidence":0.66711426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03502202779054642},{"word":"like","start":806.295,"end":806.615,"confidence":0.88842773,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.008806843310594559},{"word":"living","start":806.615,"end":807.01495,"confidence":0.6591797,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.05065302550792694},{"word":"expenses","start":807.01495,"end":807.51495,"confidence":0.8811035,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":0.01817412860691547},{"word":"yes","start":807.57495,"end":808.07495,"confidence":0.80859375,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.0253120269626379},{"word":"but","start":808.295,"end":808.795,"confidence":0.97314453,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.002770259976387024},{"word":"factoring","start":809.175,"end":809.65497,"confidence":0.984375,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":-0.012121343985199928},{"word":"in","start":809.65497,"end":809.815,"confidence":0.93408203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.006935294717550278},{"word":"my","start":809.815,"end":809.975,"confidence":0.9760742,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.03487396985292435},{"word":"mortgage","start":809.975,"end":810.45496,"confidence":0.9892578,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.022843360900878903},{"word":"into","start":810.45496,"end":810.77496,"confidence":0.5419922,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.01287923939526081},{"word":"that","start":810.77496,"end":811.17,"confidence":0.73339844,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.02134878002107143},{"word":"probably","start":817.17,"end":817.67,"confidence":0.6479492,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2297387421131134},{"word":"not","start":820.69,"end":821.19,"confidence":0.94189453,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.07291185855865479},{"word":"probably","start":833.90497,"end":834.385,"confidence":0.50439453,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.04848391562700272},{"word":"leave","start":834.385,"end":834.545,"confidence":0.9375,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.05409681051969528},{"word":"it","start":834.545,"end":834.785,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.060617025941610336},{"word":"for","start":834.785,"end":834.945,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08043726533651352},{"word":"now","start":834.945,"end":835.265,"confidence":0.98583984,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.051583074033260345},{"word":"i","start":835.265,"end":835.425,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01633443310856819},{"word":"think","start":835.425,"end":835.825,"confidence":0.84277344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03285026550292969},{"word":"something","start":835.825,"end":836.225,"confidence":0.4345703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.03846966475248337},{"word":"we","start":836.225,"end":836.385,"confidence":0.9604492,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.017448794096708298},{"word":"can","start":836.385,"end":836.545,"confidence":0.99121094,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02345883846282959},{"word":"revisit","start":836.545,"end":837.045,"confidence":0.9921875,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":-0.0071971602737903595},{"word":"maybe","start":837.185,"end":837.425,"confidence":0.74658203,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.04555802792310715},{"word":"at","start":837.425,"end":837.585,"confidence":0.5917969,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05337397754192352},{"word":"the","start":837.585,"end":837.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018068276345729828},{"word":"next","start":837.665,"end":837.96,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.011253878474235536},{"word":"review","start":838.52,"end":839.02,"confidence":0.9975586,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":-0.005162417888641357},{"word":"yep","start":849.4,"end":849.9,"confidence":0.8942871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1326078474521637},{"word":"no","start":864.695,"end":865.195,"confidence":0.72094727,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11492113769054411},{"word":"nope","start":901.06,"end":901.455,"confidence":0.6447754,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.07756504416465759},{"word":"no","start":917.62994,"end":917.94995,"confidence":0.6599121,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04926514625549317},{"word":"yep","start":917.94995,"end":918.44995,"confidence":0.92578125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009926680475473404},{"word":"yep","start":926.18994,"end":926.68994,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04810541868209839},{"word":"no","start":954.76,"end":955.125,"confidence":0.9284668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.043622925877571106},{"word":"okay","start":983.395,"end":983.895,"confidence":0.9885254,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21897736191749573},{"word":"no","start":998.05,"end":998.55,"confidence":0.95874023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.020413391292095184},{"word":"yep","start":1009.345,"end":1009.845,"confidence":0.94262695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25684863328933716},{"word":"no","start":1010.145,"end":1010.385,"confidence":0.8276367,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.3303627371788025},{"word":"worries","start":1010.385,"end":1010.885,"confidence":1.0,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.4487534761428833},{"word":"okay","start":1014.945,"end":1015.265,"confidence":0.921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3327084183692932},{"word":"bye","start":1015.265,"end":1015.765,"confidence":0.92333984,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.22926625609397888}],"paragraphs":{"transcript":"\nHello? Good. Yep. Yep. Yep.\n\n'84, and address is Unit 460 King George Prairie General. Please just need to go over. I'm sorry. Yep. Not really.\n\nYep. Yep. Probably several years off. But yeah. Yeah.\n\nIt's really not a priority. I'm trying to get all my house sorted and looking nice, or I even think about holidays at the moment. Yeah. Yep. Yep.\n\nYep. Yep. Yep. For what? Sorry.\n\nThat's what I paid for it. I have no idea if it's changed since then. Yep. Yep. Hang on.\n\nI haven't yet, but I should look into doing that. Not really. Yep. Yep. Yes.\n\nOh my god. Six monthly check. I always forget to check it. Yep. Yep.\n\nYep. Yep. Yep. I have no idea. All that stuff is Chinese to me, so whatever you recommend.\n\nYep. Yep. Yeah. I'd probably rather go the safer option. Yep.\n\nNot really. I haven't really thought about it. Yeah. Yep. No.\n\nYeah. I really don't wanna invest. Nothing is right at the moment. Yep. Yeah.\n\nYep. Yeah. Like, living expenses, yes. But factoring in my mortgage into that, probably not. Probably leave it for now.\n\nI think something we can revisit maybe at the next review. Yep. No. Nope. No.\n\nYep. Yep. No. Okay. No.\n\nYep. No worries. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.04027314856648445},{"text":"Good.","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.5080534815788269},{"text":"Yep.","start":13.04,"end":13.54,"sentiment":"neutral","sentiment_score":0.25429192185401917},{"text":"Yep.","start":22.385,"end":22.885,"sentiment":"neutral","sentiment_score":0.16380232572555542},{"text":"Yep.","start":38.67,"end":39.165,"sentiment":"neutral","sentiment_score":0.019432831555604935}],"sentiment":"neutral","sentiment_score":0.19717074185609818,"num_words":5,"start":0.0,"end":39.165},{"sentences":[{"text":"'84, and address is Unit 460 King George Prairie General.","start":39.405003,"end":46.465,"sentiment":"neutral","sentiment_score":0.029382299818098544},{"text":"Please just need to go over.","start":62.68,"end":63.879997,"sentiment":"neutral","sentiment_score":-0.01627454813569784},{"text":"I'm sorry.","start":63.879997,"end":64.62,"sentiment":"neutral","sentiment_score":-0.07818302512168884},{"text":"Yep.","start":77.975006,"end":78.15,"sentiment":"neutral","sentiment_score":-0.03776117041707039},{"text":"Not really.","start":93.715,"end":94.534996,"sentiment":"neutral","sentiment_score":-0.15361375361680984}],"sentiment":"neutral","sentiment_score":-0.014532334215584256,"num_words":21,"start":39.405003,"end":94.534996},{"sentences":[{"text":"Yep.","start":98.595,"end":99.095,"sentiment":"neutral","sentiment_score":0.04441758245229721},{"text":"Yep.","start":118.47,"end":118.845,"sentiment":"neutral","sentiment_score":0.01413864642381668},{"text":"Probably several years off.","start":127.085,"end":128.285,"sentiment":"neutral","sentiment_score":-0.030800345819443464},{"text":"But yeah.","start":128.285,"end":129.115,"sentiment":"neutral","sentiment_score":0.027705809101462364},{"text":"Yeah.","start":144.45,"end":144.77,"sentiment":"neutral","sentiment_score":-0.04817528650164604}],"sentiment":"neutral","sentiment_score":-0.006378758077820142,"num_words":9,"start":98.595,"end":144.77},{"sentences":[{"text":"It's really not a priority.","start":144.77,"end":146.15,"sentiment":"neutral","sentiment_score":-0.2951224744319916},{"text":"I'm trying to get all my house sorted and looking nice, or I even think about holidays at the moment.","start":146.21,"end":154.20499,"sentiment":"neutral","sentiment_score":-0.06612492287531495},{"text":"Yeah.","start":157.385,"end":157.885,"sentiment":"neutral","sentiment_score":0.1828105002641678},{"text":"Yep.","start":172.43999,"end":172.93999,"sentiment":"neutral","sentiment_score":0.06967157870531082},{"text":"Yep.","start":173.0,"end":173.5,"sentiment":"neutral","sentiment_score":0.05033312365412712}],"sentiment":"neutral","sentiment_score":-0.08911770096580897,"num_words":28,"start":144.77,"end":173.5},{"sentences":[{"text":"Yep.","start":177.085,"end":177.585,"sentiment":"neutral","sentiment_score":0.06586316227912903},{"text":"Yep.","start":183.88501,"end":184.38501,"sentiment":"neutral","sentiment_score":0.09638893604278564},{"text":"Yep.","start":198.46,"end":198.96,"sentiment":"neutral","sentiment_score":0.01978345587849617},{"text":"For what?","start":213.355,"end":213.91501,"sentiment":"neutral","sentiment_score":-0.06402938067913055},{"text":"Sorry.","start":213.91501,"end":214.38,"sentiment":"neutral","sentiment_score":-0.09967176616191864}],"sentiment":"neutral","sentiment_score":-0.007615828886628151,"num_words":6,"start":177.085,"end":214.38},{"sentences":[{"text":"That's what I paid for it.","start":221.5,"end":222.70001,"sentiment":"neutral","sentiment_score":-0.14183990036447844},{"text":"I have no idea if it's changed since then.","start":222.70001,"end":225.28,"sentiment":"neutral","sentiment_score":-0.24990184936258528},{"text":"Yep.","start":232.155,"end":232.655,"sentiment":"neutral","sentiment_score":0.04311282187700272},{"text":"Yep.","start":239.755,"end":240.255,"sentiment":"neutral","sentiment_score":0.06486622989177704},{"text":"Hang on.","start":249.29001,"end":251.59,"sentiment":"neutral","sentiment_score":0.07617874769493937}],"sentiment":"neutral","sentiment_score":-0.14946418417323576,"num_words":19,"start":221.5,"end":251.59},{"sentences":[{"text":"I haven't yet, but I should look into doing that.","start":252.89,"end":255.765,"sentiment":"neutral","sentiment_score":-0.0933151088654995},{"text":"Not really.","start":267.825,"end":268.56,"sentiment":"neutral","sentiment_score":-0.21894115954637527},{"text":"Yep.","start":288.33502,"end":288.83502,"sentiment":"neutral","sentiment_score":0.265658438205719},{"text":"Yep.","start":298.77,"end":299.27,"sentiment":"neutral","sentiment_score":0.12165792286396028},{"text":"Yes.","start":310.655,"end":311.055,"sentiment":"neutral","sentiment_score":0.06761080771684647}],"sentiment":"neutral","sentiment_score":-0.061073749264081316,"num_words":15,"start":252.89,"end":311.055},{"sentences":[{"text":"Oh my god.","start":311.055,"end":311.775,"sentiment":"neutral","sentiment_score":0.022225032250086468},{"text":"Six monthly check.","start":311.775,"end":313.055,"sentiment":"neutral","sentiment_score":0.004665949692328771},{"text":"I always forget to check it.","start":313.055,"end":314.515,"sentiment":"neutral","sentiment_score":-0.0369664691388607},{"text":"Yep.","start":358.94,"end":359.145,"sentiment":"neutral","sentiment_score":0.15401917695999146},{"text":"Yep.","start":369.705,"end":370.205,"sentiment":"neutral","sentiment_score":0.07391445338726044}],"sentiment":"neutral","sentiment_score":0.006200554381523814,"num_words":14,"start":311.055,"end":370.205},{"sentences":[{"text":"Yep.","start":386.61002,"end":386.895,"sentiment":"neutral","sentiment_score":0.2057377398014069},{"text":"Yep.","start":420.715,"end":421.215,"sentiment":"neutral","sentiment_score":0.0737924575805664},{"text":"Yep.","start":444.33,"end":444.83,"sentiment":"neutral","sentiment_score":0.031776219606399536},{"text":"I have no idea.","start":465.87,"end":467.01,"sentiment":"neutral","sentiment_score":-0.12034126929938793},{"text":"All that stuff is Chinese to me, so whatever you recommend.","start":467.55,"end":470.45,"sentiment":"neutral","sentiment_score":-0.06409293616359885}],"sentiment":"neutral","sentiment_score":-0.04861560877826479,"num_words":18,"start":386.61002,"end":470.45},{"sentences":[{"text":"Yep.","start":497.32,"end":497.82,"sentiment":"neutral","sentiment_score":0.3167014718055725},{"text":"Yep.","start":543.55005,"end":544.05005,"sentiment":"neutral","sentiment_score":0.17822745442390442},{"text":"Yeah.","start":548.83,"end":549.165,"sentiment":"neutral","sentiment_score":0.0673980861902237},{"text":"I'd probably rather go the safer option.","start":564.125,"end":566.12,"sentiment":"neutral","sentiment_score":-0.020368850656918118},{"text":"Yep.","start":582.91504,"end":583.41504,"sentiment":"neutral","sentiment_score":0.1882847249507904}],"sentiment":"neutral","sentiment_score":0.05527543479746038,"num_words":11,"start":497.32,"end":583.41504},{"sentences":[{"text":"Not really.","start":614.865,"end":615.425,"sentiment":"negative","sentiment_score":-0.3353525251150131},{"text":"I haven't really thought about it.","start":615.425,"end":616.68,"sentiment":"neutral","sentiment_score":-0.3174915636579196},{"text":"Yeah.","start":631.32,"end":631.635,"sentiment":"neutral","sentiment_score":0.08776402473449707},{"text":"Yep.","start":635.47504,"end":635.97504,"sentiment":"positive","sentiment_score":0.4167641997337342},{"text":"No.","start":645.155,"end":645.54,"sentiment":"neutral","sentiment_score":-0.013865629211068152}],"sentiment":"neutral","sentiment_score":-0.18954471244730733,"num_words":11,"start":614.865,"end":645.54},{"sentences":[{"text":"Yeah.","start":659.86,"end":660.01996,"sentiment":"neutral","sentiment_score":-0.08975362032651901},{"text":"I really don't wanna invest.","start":660.01996,"end":661.305,"sentiment":"neutral","sentiment_score":-0.29560368955135347},{"text":"Nothing is right at the moment.","start":680.69,"end":682.23004,"sentiment":"neutral","sentiment_score":-0.22563288360834122},{"text":"Yep.","start":712.39996,"end":712.875,"sentiment":"neutral","sentiment_score":0.06722979247570038},{"text":"Yeah.","start":728.74,"end":729.24,"sentiment":"neutral","sentiment_score":-0.035836800932884216}],"sentiment":"neutral","sentiment_score":-0.20644116987075126,"num_words":14,"start":659.86,"end":729.24},{"sentences":[{"text":"Yep.","start":762.74,"end":763.24,"sentiment":"neutral","sentiment_score":0.17691192030906677},{"text":"Yeah.","start":779.13495,"end":779.63495,"sentiment":"neutral","sentiment_score":0.03502202779054642},{"text":"Like, living expenses, yes.","start":806.295,"end":808.07495,"sentiment":"neutral","sentiment_score":0.02573650609701872},{"text":"But factoring in my mortgage into that, probably not.","start":808.295,"end":821.19,"sentiment":"neutral","sentiment_score":-0.04626920550233788},{"text":"Probably leave it for now.","start":833.90497,"end":835.265,"sentiment":"neutral","sentiment_score":-0.05904361829161644}],"sentiment":"neutral","sentiment_score":-0.019838048424571753,"num_words":20,"start":762.74,"end":835.265},{"sentences":[{"text":"I think something we can revisit maybe at the next review.","start":835.265,"end":839.02,"sentiment":"neutral","sentiment_score":-0.02447052130644972},{"text":"Yep.","start":849.4,"end":849.9,"sentiment":"neutral","sentiment_score":0.1326078474521637},{"text":"No.","start":864.695,"end":865.195,"sentiment":"neutral","sentiment_score":-0.11492113769054411},{"text":"Nope.","start":901.06,"end":901.455,"sentiment":"neutral","sentiment_score":-0.07756504416465759},{"text":"No.","start":917.62994,"end":917.94995,"sentiment":"neutral","sentiment_score":-0.04926514625549317}],"sentiment":"neutral","sentiment_score":-0.025221281001965204,"num_words":15,"start":835.265,"end":917.94995},{"sentences":[{"text":"Yep.","start":917.94995,"end":918.44995,"sentiment":"neutral","sentiment_score":0.009926680475473404},{"text":"Yep.","start":926.18994,"end":926.68994,"sentiment":"neutral","sentiment_score":0.04810541868209839},{"text":"No.","start":954.76,"end":955.125,"sentiment":"neutral","sentiment_score":-0.043622925877571106},{"text":"Okay.","start":983.395,"end":983.895,"sentiment":"neutral","sentiment_score":0.21897736191749573},{"text":"No.","start":998.05,"end":998.55,"sentiment":"neutral","sentiment_score":-0.020413391292095184}],"sentiment":"neutral","sentiment_score":0.042594628781080245,"num_words":5,"start":917.94995,"end":998.55},{"sentences":[{"text":"Yep.","start":1009.345,"end":1009.845,"sentiment":"neutral","sentiment_score":0.25684863328933716},{"text":"No worries.","start":1010.145,"end":1010.885,"sentiment":"positive","sentiment_score":0.3895581066608429},{"text":"Okay.","start":1014.945,"end":1015.265,"sentiment":"neutral","sentiment_score":0.3327084183692932},{"text":"Bye.","start":1015.265,"end":1015.765,"sentiment":"neutral","sentiment_score":0.22926625609397888}],"sentiment":"neutral","sentiment_score":0.319587904214859,"num_words":5,"start":1009.345,"end":1015.765}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Lauren. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Good.\n\nChannel 0: Good to hear. Good to hear. I'm just giving you a call to go through your annual review.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Before I get started, I've got an annual review pay for this call to be recorded.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just for the security of your information, so I'm registered with Asic as adviser one two seven three one zero five. We don't have a security question on file. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Yep. '84, and address is\n\nChannel 0: Yep.\n\nChannel 1: Unit 460 King George Prairie General.\n\nChannel 0: Perfect. Thank you so much for that, Lauren. I'm gonna pop this through to your Yahoo email address. Are you okay to look on to the documents with me today, or would you like me just to walk you through what's there?\n\nChannel 1: Please just need to go over. I'm sorry.\n\nChannel 0: Yep. No worries at all. I'll pop that through just so you have it. Just with our new system, we've got a new CRM, and it might come through to your spam box rather than your main inbox for the first one, just\n\nChannel 1: Yep.\n\nChannel 0: with the old email filtering. Now I'm gonna go through and just briefly update some of the details that we have on file just to make sure the new system is accurate. Is there anything in particular that you're looking to get out of this year's review?\n\nChannel 1: Not really.\n\nChannel 0: Cool. Just a bit of a general update. Is that okay for you?\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. So I'm just gonna have a quick look through your previous goals. Looks like you did purchase that home that you're looking for, which is fantastic. We did have you listed down looking to get some appliances for the house and save up for some overseas trips.\n\nIs that still correct?\n\nChannel 1: Yep.\n\nChannel 0: Okay. We're still going to Ireland in England or\n\nChannel 1: Probably several years off. But yeah.\n\nChannel 0: Yep. So a bit of a medium term goal, we'll call that one. Do you have any, like, figures in mind? I'm like, get or kind of as much savings as you can and come back to that in a couple years.\n\nChannel 1: Yeah. It's really not a priority. I'm trying to get all my house sorted and looking nice, or I even think about holidays at the\n\nChannel 0: Awesome. So you're thinking kind of\n\nChannel 1: moment.\n\nChannel 0: one to three years for the house and then holidays after that?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. I'm just having a look through the details. So mobile, email. Are you okay for us to still use your Yahoo email address? K.\n\nWe've got Robin, your mother listed as your next of kin.\n\nChannel 1: Yep.\n\nChannel 0: We had\n\nChannel 1: Yep.\n\nChannel 0: you listed as a payroll officer for Frontier Software,\n\nChannel 1: Yep.\n\nChannel 0: earning about I think, yeah, listed 89,692,\n\nChannel 1: Yep.\n\nChannel 0: saving a couple of $100 on week on average. Yep. Awesome. We've got salary sacrificing 200 a month to super. Can I just double check with you?\n\nAre you still comfortable with that amount of salary sacrifice?\n\nChannel 1: Yep.\n\nChannel 0: Okay. The home listed last time valued at 371,000 owing about 300,000. Is that pretty close to the mark, or is it kind of fluctuating quite a bit? I know the market's gonna be crazy.\n\nChannel 1: For what? Sorry.\n\nChannel 0: For the house value, I think we had it at $371,000. Would that have jumped up a lot?\n\nChannel 1: That's what I paid for it. I have no idea if it's changed since then.\n\nChannel 0: Oh, are you okay for me just to look up on property.com and add an updated value there?\n\nChannel 1: Yep.\n\nChannel 0: K. And the only other assets we had was a motor vehicle and about $5 worth of savings.\n\nChannel 1: Yep.\n\nChannel 0: Is there any other shares, crypto, personal loans, anything like that? Amazing. And we did actually have that you had put in place a\n\nChannel 1: Hang\n\nChannel 0: a will. Is that correct?\n\nChannel 1: on. I haven't yet, but I should look into doing that.\n\nChannel 0: K. You just might give a reminder that also maybe put in place, like, a power of attorney, if you remember what that does.\n\nChannel 1: Not really.\n\nChannel 0: That's kind of like the the will is where does everything go when you pass away. Power of attorney is if you're, let's say, in hospital, can't act on your own behalf, can someone actually access the bank accounts to make sure the mortgage is paid? Can they talk to the doctors on your behalf? All that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: And it just kind of stops everyone from having to go to the courts for probate. Makes it a bit simpler. Sometimes that can take a little while.\n\nChannel 1: Yep.\n\nChannel 0: K. Now just going through the super, do you log in to your hub 24 every now and then to keep an eye on it, or is it more of a just a yearly check?\n\nChannel 1: Yes. Oh my god. Six monthly check. I always forget to check it.\n\nChannel 0: No. That's totally fine. You do have us there to look at it. You've had a pretty pretty strong journey, especially with all that salary sacrifice. I'm looking at your entire history from 2021.\n\nYou started with about 66,000. You're sitting at a $125.07 $9.07 as of today. You've gone through couple little dips in the market in 2025 and in March just with what was going on in the world out there. You'll notice that when you get that DocuSign pack from us, there'll be a performance report in there that'll show you every investment option that you've got as well as your overall portfolio as well.\n\nChannel 1: Yep.\n\nChannel 0: Now if you recall, Lauren, you're in, like, a growth portfolio, kind of that four out of five on the risk scale, 80% growth assets, shares, and property. Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: K. Now as far as the performance the last twelve months goes, even with the market dropping, when you're in a growth profile, you're kind of aiming for that 9% or above on\n\nChannel 1: Yep.\n\nChannel 0: that. Now one thing I did wanna just quickly raise with you is out of the kind of 10 options that you're in, most of them have been pretty incredible the last twelve months. You've got some battery tech, which is like your electric vehicles. That's gone up about a 109%. Gold and silver going up about a 100%.\n\nYour shares up 70%. Everything's been really crazy for twelve months. The only one that's kind of underperformed is your Australian shares in a Bennelong option.\n\nChannel 1: Yep.\n\nChannel 0: Now I'm looking at this through the history of your account, and I would have expected it to have bounced back this year. I know that Benelon had a pretty poor year last year, but it hasn't really bounced back to catch up with the rest of those Australian shares option that are out there. Are you okay for me to look at getting a bit of a replacement option for that one?\n\nChannel 1: Yep.\n\nChannel 0: K. I do have one question for you. There's no wrong answer here. It's really just if you have a strong gut feeling either way. Do you have a preference between going for, like, the lowest fee investments possible, or are you okay with the idea of paying a little bit higher fees to get some higher returns?\n\nDo you have a strong link between the two?\n\nChannel 1: I have no idea. All that stuff is Chinese to me,\n\nChannel 0: That's\n\nChannel 1: so whatever\n\nChannel 0: okay?\n\nChannel 1: you recommend.\n\nChannel 0: Cool. So you're in kind of a blend at the moment where most of it is low fee, only a little bit is in the active side. We do have some other options I've been researching since New Year's, which I'm gonna compare for you. And then what I'll do is I'll put together a bit of an updated statement of advice just to show you the differences between them. And if you're comfortable with that, we can make a bit of a switch there.\n\nChannel 1: Yep.\n\nChannel 0: Just with the risk level briefly, we did have a pretty good example in March of the market going down and then bouncing back. And I just wanted to quickly let you know how that looks because you are in a growth risk profile. So you went from a 127 down to a 116,000 to call it, like, an 11,000 drop, and then it bounced back 9,000 within two weeks. That's pretty normal in terms of what a growth risk profile tends to fluctuate like. And because it's all percentage returns, it's just gonna be going up and down anywhere between 10 and $30,000 a year based on the returns of the market on top of your contributions, of course.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any concerns there? Are you okay to still focus on trying to grow as much as you can?\n\nChannel 1: Yeah.\n\nChannel 0: K. Do you have any inclination to look at going more aggressive with it? You know, going to high growth so you can retire earlier, grow it even faster, or does the sound of high risk kind of make you a bit iffy? Yep.\n\nChannel 1: I'd probably rather go the safer option.\n\nChannel 0: And, look, doing salary sacrifice while being in a growth portfolio kind of has the same effect. So as long as you're still okay to keep doing that kind of 50 a week into your super, you'll still get to a pretty similar outcome as someone who is in a high risk.\n\nChannel 1: Yep.\n\nChannel 0: K. So that's perfect. I'll leave the risk level alone. We'll just give the the old portfolio a bit of an engine tune up, and I'll update some projections for you as well. Last question I had on the super was, do you have a bit of a preference?\n\nI know it's a long while away, but between retiring towards age 65, 67 when the age pension kind of kicks in, or do you want to kind of retire as early as possible? Do you have a preference between the two?\n\nChannel 1: Not really. I haven't really thought about it.\n\nChannel 0: Yeah. But I guess, we're obviously going to first grow your super as much as we can. As you get close to retirement, we can kind of talk through how long it's gonna last and when a good time to be to protect it and\n\nChannel 1: Yeah.\n\nChannel 0: also to access it. So for now, I'll just focus on the growth side.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Is there anything else on the cards for you in the next three to five years goals wise that we haven't already talked about?\n\nChannel 1: No.\n\nChannel 0: Okay. So it's really just fix up the house, maybe a bit of holidays, pay off that mortgage. Are you the type of person, Lauren, to look into investing one day, or are you just happy to have that stable\n\nChannel 1: Yeah. I really don't wanna invest.\n\nChannel 0: base? That's totally fair. I was looking at your beneficiary nominations. There was a note here that you don't really wanna put in place a beneficiary nomination at this point. Probably just sort out, like, a will and a power of attorney.\n\nDid you want me to add anybody on there for the sofa?\n\nChannel 1: Nothing is right at the moment.\n\nChannel 0: Okay. If at any point you put in place a will and you want your super to go to your mother, for example, you can actually direct your super towards the will as well. So if you go to do that, whether it's through a solicitor like a courthouse, public trustee of the state, or even a will kit for 25 pucks at the post office, if you do wanna include the super in that, we can fix up a nomination to go in that direction too. So just gonna let us know.\n\nChannel 1: Yep.\n\nChannel 0: K. Last two things for me. You've got a Neos income protection and no life and disability insurance. There's a note here that it's not really that important for you at the moment, mainly just the income protection. Is that\n\nChannel 1: Yeah.\n\nChannel 0: right? K. We've got 1,441 per year. It comes out with a expensive. We've got a four week waiting period.\n\nSo if you're out of work for a month, it'll kick in monthly, and we'll pay you up to five years. Now the one question I have for you, Lauren, is your cover amount, 4,499 a month. So call it $4,500 a month you would get if you're off work.\n\nChannel 1: Yep.\n\nChannel 0: You've got one of those really good 75% policies that just stopped. The government kind of banned it in October 2021, and you got this in place in September, which is great. But it's a little bit below what you could be insured for. So\n\nChannel 1: Yeah.\n\nChannel 0: if you base it on your total income, you could have a maximum cover amount of about 5,500 a month. You've got 4,500 a month. My question really is if you're off work for three months, would you be able to survive on that kind of thousand dollars a week? Do you want me to look at a bit of an increased quote? What's your preference?\n\nChannel 1: Like, living expenses, yes. But factoring in my mortgage into that,\n\nChannel 0: It probably wouldn't cost too much to bump it\n\nChannel 1: probably\n\nChannel 0: up a little bit. I'm thinking if it goes from\n\nChannel 1: not.\n\nChannel 0: 4,500 to 5,500, it may only go up a couple $100 a year. Do you want me to get a bit of an alteration quote with Niels and just run you through that when I go through the portfolio update?\n\nChannel 1: Probably leave it for now. I think something we can revisit maybe at the next review.\n\nChannel 0: Yeah. No worries at all. I'll put a note down that we'll leave that there, and I'll just put some context in that this is covering base expenses, and we may look at it in twelve months.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. So outside of giving the old portfolio a freshen up, which will pop up you a couple of weeks with updated plan, is there anything on your end? Any questions for me?\n\nChannel 1: No.\n\nChannel 0: Okay. In that pack that's been sent through to you, just to let you know all the documents that are there, it comes through with, like, email attachments and then also that digital authorization link. So the attachments include your certificate of currency for the insurances, your portfolio performance, an updated financial services guide from us with all of our licensing details and so on. And then inside the authorization, there are two important documents. There's a service agreement, but also a tax file number declaration.\n\nNow\n\nChannel 1: Nope.\n\nChannel 0: with the tax file number, because of all of the cybersecurity issues of last year, We're trying to remove where we hold that number from all digital systems and just put it on the one document. So I just wanted to double check if you're okay to consent to that.\n\nChannel 1: No. Yep.\n\nChannel 0: Okay. With the service agreement, are you still comfortable for us to look after your super for the next year?\n\nChannel 1: Yep.\n\nChannel 0: K. With the fees themselves, so we always give an estimate going forward for twelve months including a bit of super growth in there, but it's basically the usual 1.65% that's split into little monthly payments throughout the year. It's not like a lock in contract, but it is a twelve month consent to be listed as advisers so we can still liaise with Pub twenty four and the insurance companies and so on. Do you have any questions on that?\n\nChannel 1: No.\n\nChannel 0: Cool. So if you're okay to hop on there when you've got a minute and give that a sign for us. If you have any questions on how that works, if you can draw your signature, that would be better for the providers, but it usually stands on a signature as well. Once we get that back, the team will pretty much be finished their research and updated advice document with me.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Now I appreciate you taking the time this morning. That was a nice and easy review. Only a couple of little things to fix up. Any last questions for me before I let you go and enjoy your your week?\n\nChannel 1: No.\n\nChannel 0: Awesome, Thank you so much for your time today. Keep an eye out for our calls. If we miss you, we'll just send you a text and email.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Have a fantastic day. Thank you so much.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.04027314856648445}],"sentiment":"neutral","sentiment_score":0.04027314856648445,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Good morning, Lauren.","start":3.12,"end":4.0,"sentiment":"neutral","sentiment_score":0.27226056655248004},{"text":"It's Tommy here, senior adviser from.","start":4.0,"end":6.0,"sentiment":"neutral","sentiment_score":0.2225863734881083},{"text":"How are you doing?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.22321181371808052}],"sentiment":"neutral","sentiment_score":0.2342420919583394,"channel":0,"num_words":13,"start":3.12,"end":6.8199997},{"sentences":[{"text":"Good.","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.5080534815788269}],"sentiment":"positive","sentiment_score":0.5080534815788269,"channel":1,"num_words":1,"start":6.8799996,"end":7.3799996},{"sentences":[{"text":"Good to hear.","start":8.48,"end":9.04,"sentiment":"positive","sentiment_score":0.5650381743907928},{"text":"Good to hear.","start":9.04,"end":9.599999,"sentiment":"positive","sentiment_score":0.5421270132064819},{"text":"I'm just giving you a call to go through your annual review.","start":9.599999,"end":12.5,"sentiment":"neutral","sentiment_score":0.21628550191720328}],"sentiment":"neutral","sentiment_score":0.3287178658776813,"channel":0,"num_words":18,"start":8.48,"end":12.5},{"sentences":[{"text":"Yep.","start":13.04,"end":13.54,"sentiment":"neutral","sentiment_score":0.25429192185401917}],"sentiment":"neutral","sentiment_score":0.25429192185401917,"channel":1,"num_words":1,"start":13.04,"end":13.54},{"sentences":[{"text":"Amazing.","start":14.705,"end":15.205,"sentiment":"positive","sentiment_score":0.5144909620285034},{"text":"Before I get started, I've got an annual review pay for this call to be recorded.","start":15.745,"end":21.845,"sentiment":"neutral","sentiment_score":0.21560102421790361}],"sentiment":"neutral","sentiment_score":0.23318278526558595,"channel":0,"num_words":17,"start":14.705,"end":21.845},{"sentences":[{"text":"Yep.","start":22.385,"end":22.885,"sentiment":"neutral","sentiment_score":0.16380232572555542}],"sentiment":"neutral","sentiment_score":0.16380232572555542,"channel":1,"num_words":1,"start":22.385,"end":22.885},{"sentences":[{"text":"Perfect.","start":24.705,"end":25.205,"sentiment":"positive","sentiment_score":0.43975698947906494},{"text":"And just for the security of your information, so I'm registered with Asic as adviser one two seven three one zero five.","start":25.65,"end":32.15,"sentiment":"neutral","sentiment_score":0.1764169917865233},{"text":"We don't have a security question on file.","start":32.37,"end":35.33,"sentiment":"neutral","sentiment_score":0.038744577672332525},{"text":"Are you okay to confirm your date of birth and address, please?","start":35.33,"end":38.055,"sentiment":"neutral","sentiment_score":0.046678992453962564}],"sentiment":"neutral","sentiment_score":0.12072175208392531,"channel":0,"num_words":43,"start":24.705,"end":38.055},{"sentences":[{"text":"Yep.","start":38.67,"end":39.165,"sentiment":"neutral","sentiment_score":0.019432831555604935},{"text":"'84, and address is","start":39.405003,"end":43.425,"sentiment":"neutral","sentiment_score":0.018386184703558683}],"sentiment":"neutral","sentiment_score":0.018595514073967933,"channel":1,"num_words":5,"start":38.67,"end":43.425},{"sentences":[{"text":"Yep.","start":43.175,"end":43.675,"sentiment":"neutral","sentiment_score":0.022707751020789143}],"sentiment":"neutral","sentiment_score":0.022707751020789143,"channel":0,"num_words":1,"start":43.175,"end":43.675},{"sentences":[{"text":"Unit 460 King George Prairie General.","start":43.645,"end":46.465,"sentiment":"neutral","sentiment_score":0.036713043227791786}],"sentiment":"neutral","sentiment_score":0.036713043227791786,"channel":1,"num_words":6,"start":43.645,"end":46.465},{"sentences":[{"text":"Perfect.","start":48.215,"end":48.614998,"sentiment":"positive","sentiment_score":0.3934629559516907},{"text":"Thank you so much for that, Lauren.","start":48.614998,"end":50.235,"sentiment":"positive","sentiment_score":0.6066355449812753},{"text":"I'm gonna pop this through to your Yahoo email address.","start":50.45,"end":53.809998,"sentiment":"positive","sentiment_score":0.3362675219774246},{"text":"Are you okay to look on to the documents with me today, or would you like me just to walk you through what's there?","start":53.809998,"end":59.03,"sentiment":"neutral","sentiment_score":0.17658264003694057}],"sentiment":"neutral","sentiment_score":0.2914421512257485,"channel":0,"num_words":42,"start":48.215,"end":59.03},{"sentences":[{"text":"Please just need to go over.","start":62.68,"end":63.879997,"sentiment":"neutral","sentiment_score":-0.01627454813569784},{"text":"I'm sorry.","start":63.879997,"end":64.62,"sentiment":"neutral","sentiment_score":-0.07818302512168884}],"sentiment":"neutral","sentiment_score":-0.03175166738219559,"channel":1,"num_words":8,"start":62.68,"end":64.62},{"sentences":[{"text":"Yep.","start":66.465,"end":66.865,"sentiment":"neutral","sentiment_score":-0.0030847801826894283},{"text":"No worries at all.","start":66.865,"end":67.905,"sentiment":"neutral","sentiment_score":0.020797986537218094},{"text":"I'll pop that through just so you have it.","start":67.905,"end":70.165,"sentiment":"neutral","sentiment_score":0.05551991653111246},{"text":"Just with our new system, we've got a new CRM, and it might come through to your spam box rather than your main inbox for the first one, just","start":70.625,"end":78.08,"sentiment":"neutral","sentiment_score":-0.05684842625311736}],"sentiment":"neutral","sentiment_score":-0.024856231316144384,"channel":0,"num_words":43,"start":66.465,"end":78.08},{"sentences":[{"text":"Yep.","start":77.975006,"end":78.15,"sentiment":"neutral","sentiment_score":-0.03776117041707039}],"sentiment":"neutral","sentiment_score":-0.03776117041707039,"channel":1,"num_words":1,"start":77.975006,"end":78.15},{"sentences":[{"text":"with the old email filtering.","start":78.08,"end":80.1,"sentiment":"neutral","sentiment_score":-0.09049417823553085},{"text":"Now I'm gonna go through and just briefly update some of the details that we have on file just to make sure the new system is accurate.","start":80.96,"end":88.5,"sentiment":"neutral","sentiment_score":0.029683609786270944},{"text":"Is there anything in particular that you're looking to get out of this year's review?","start":88.880005,"end":92.58,"sentiment":"neutral","sentiment_score":-0.015727994633683313}],"sentiment":"neutral","sentiment_score":0.002405673479710884,"channel":0,"num_words":47,"start":78.08,"end":92.58},{"sentences":[{"text":"Not really.","start":93.715,"end":94.534996,"sentiment":"neutral","sentiment_score":-0.15361375361680984}],"sentiment":"neutral","sentiment_score":-0.15361375361680984,"channel":1,"num_words":2,"start":93.715,"end":94.534996},{"sentences":[{"text":"Cool.","start":96.145,"end":96.385,"sentiment":"neutral","sentiment_score":-0.019688116386532784},{"text":"Just a bit of a general update.","start":96.385,"end":97.505,"sentiment":"neutral","sentiment_score":0.008379385673574038},{"text":"Is that okay for you?","start":97.505,"end":98.565,"sentiment":"neutral","sentiment_score":0.05489646345376968}],"sentiment":"neutral","sentiment_score":0.02411153081517953,"channel":0,"num_words":13,"start":96.145,"end":98.565},{"sentences":[{"text":"Yep.","start":98.595,"end":99.095,"sentiment":"neutral","sentiment_score":0.04441758245229721}],"sentiment":"neutral","sentiment_score":0.04441758245229721,"channel":1,"num_words":1,"start":98.595,"end":99.095},{"sentences":[{"text":"Okay.","start":100.945,"end":101.345,"sentiment":"neutral","sentiment_score":0.1047811210155487},{"text":"Perfect.","start":101.345,"end":101.845,"sentiment":"neutral","sentiment_score":0.21100687980651855},{"text":"So I'm just gonna have a quick look through your previous goals.","start":101.985,"end":104.73,"sentiment":"neutral","sentiment_score":0.21653174608945847},{"text":"Looks like you did purchase that home that you're looking for, which is fantastic.","start":104.810005,"end":108.51,"sentiment":"positive","sentiment_score":0.35941246364797863},{"text":"We did have you listed down looking to get some appliances for the house and save up for some overseas trips.","start":109.53001,"end":116.89,"sentiment":"neutral","sentiment_score":0.16629620960780553}],"sentiment":"neutral","sentiment_score":0.23343191523941195,"channel":0,"num_words":49,"start":100.945,"end":116.89},{"sentences":[{"text":"Is that still correct?","start":116.89,"end":118.03,"sentiment":"neutral","sentiment_score":0.08152300398796797}],"sentiment":"neutral","sentiment_score":0.08152300398796797,"channel":0,"num_words":4,"start":116.89,"end":118.03},{"sentences":[{"text":"Yep.","start":118.47,"end":118.845,"sentiment":"neutral","sentiment_score":0.01413864642381668}],"sentiment":"neutral","sentiment_score":0.01413864642381668,"channel":1,"num_words":1,"start":118.47,"end":118.845},{"sentences":[{"text":"Okay.","start":121.055,"end":121.555,"sentiment":"neutral","sentiment_score":-0.0008941581472754478},{"text":"We're still going to Ireland in England or","start":122.335,"end":125.295,"sentiment":"neutral","sentiment_score":-0.015219989698380232}],"sentiment":"neutral","sentiment_score":-0.013628230637146367,"channel":0,"num_words":9,"start":121.055,"end":125.295},{"sentences":[{"text":"Probably several years off.","start":127.085,"end":128.285,"sentiment":"neutral","sentiment_score":-0.030800345819443464},{"text":"But yeah.","start":128.285,"end":129.115,"sentiment":"neutral","sentiment_score":0.027705809101462364}],"sentiment":"neutral","sentiment_score":-0.011298294179141521,"channel":1,"num_words":6,"start":127.085,"end":129.115},{"sentences":[{"text":"Yep.","start":130.35,"end":130.85,"sentiment":"neutral","sentiment_score":0.004901246167719364},{"text":"So a bit of a medium term goal, we'll call that one.","start":130.91,"end":133.25,"sentiment":"neutral","sentiment_score":0.0954714094599088},{"text":"Do you have any, like, figures in mind?","start":134.19,"end":137.07,"sentiment":"neutral","sentiment_score":0.047051202272996306},{"text":"I'm like, get or kind of as much savings as you can and come back to that in a couple years.","start":137.07,"end":144.05,"sentiment":"neutral","sentiment_score":0.10306013907705035}],"sentiment":"neutral","sentiment_score":0.08788644520211078,"channel":0,"num_words":42,"start":130.35,"end":144.05},{"sentences":[{"text":"Yeah.","start":144.45,"end":144.77,"sentiment":"neutral","sentiment_score":-0.04817528650164604},{"text":"It's really not a priority.","start":144.77,"end":146.15,"sentiment":"neutral","sentiment_score":-0.2951224744319916},{"text":"I'm trying to get all my house sorted and looking nice, or I even think about holidays at the","start":146.21,"end":150.36499,"sentiment":"neutral","sentiment_score":-0.0711681803590373}],"sentiment":"neutral","sentiment_score":-0.1150393234193325,"channel":1,"num_words":25,"start":144.45,"end":150.36499},{"sentences":[{"text":"Awesome.","start":152.175,"end":152.655,"sentiment":"neutral","sentiment_score":0.1753574162721634},{"text":"So you're thinking kind of","start":152.655,"end":153.935,"sentiment":"neutral","sentiment_score":0.06866121366620064}],"sentiment":"neutral","sentiment_score":0.08644391410052776,"channel":0,"num_words":6,"start":152.175,"end":153.935},{"sentences":[{"text":"moment.","start":153.70499,"end":154.20499,"sentiment":"neutral","sentiment_score":0.02969696931540966}],"sentiment":"neutral","sentiment_score":0.02969696931540966,"channel":1,"num_words":1,"start":153.70499,"end":154.20499},{"sentences":[{"text":"one to three years for the house and then holidays after that?","start":153.935,"end":157.235,"sentiment":"neutral","sentiment_score":0.00734906845415632}],"sentiment":"neutral","sentiment_score":0.00734906845415632,"channel":0,"num_words":12,"start":153.935,"end":157.235},{"sentences":[{"text":"Yeah.","start":157.385,"end":157.885,"sentiment":"neutral","sentiment_score":0.1828105002641678}],"sentiment":"neutral","sentiment_score":0.1828105002641678,"channel":1,"num_words":1,"start":157.385,"end":157.885},{"sentences":[{"text":"Perfect.","start":159.61,"end":160.11,"sentiment":"positive","sentiment_score":0.5324062705039978},{"text":"I'm just having a look through the details.","start":160.32999,"end":161.93,"sentiment":"neutral","sentiment_score":0.27964442409574986},{"text":"So mobile, email.","start":161.93,"end":163.31,"sentiment":"neutral","sentiment_score":0.06474847967425983},{"text":"Are you okay for us to still use your Yahoo email address?","start":163.68999,"end":166.67,"sentiment":"neutral","sentiment_score":0.04929761588573456},{"text":"K.","start":168.81,"end":169.12999,"sentiment":"neutral","sentiment_score":0.01934308372437954}],"sentiment":"neutral","sentiment_score":0.1429888630658388,"channel":0,"num_words":25,"start":159.61,"end":169.12999},{"sentences":[{"text":"We've got Robin, your mother listed as your next of kin.","start":169.12999,"end":172.34999,"sentiment":"neutral","sentiment_score":0.05248808488249779}],"sentiment":"neutral","sentiment_score":0.05248808488249779,"channel":0,"num_words":11,"start":169.12999,"end":172.34999},{"sentences":[{"text":"Yep.","start":172.43999,"end":172.93999,"sentiment":"neutral","sentiment_score":0.06967157870531082}],"sentiment":"neutral","sentiment_score":0.06967157870531082,"channel":1,"num_words":1,"start":172.43999,"end":172.93999},{"sentences":[{"text":"We had","start":172.625,"end":173.025,"sentiment":"neutral","sentiment_score":0.0427786149084568}],"sentiment":"neutral","sentiment_score":0.0427786149084568,"channel":0,"num_words":2,"start":172.625,"end":173.025},{"sentences":[{"text":"Yep.","start":173.0,"end":173.5,"sentiment":"neutral","sentiment_score":0.05033312365412712}],"sentiment":"neutral","sentiment_score":0.05033312365412712,"channel":1,"num_words":1,"start":173.0,"end":173.5},{"sentences":[{"text":"you listed as a payroll officer for Frontier Software,","start":173.025,"end":176.72499,"sentiment":"neutral","sentiment_score":0.04873641787303819}],"sentiment":"neutral","sentiment_score":0.04873641787303819,"channel":0,"num_words":9,"start":173.025,"end":176.72499},{"sentences":[{"text":"Yep.","start":177.085,"end":177.585,"sentiment":"neutral","sentiment_score":0.06586316227912903}],"sentiment":"neutral","sentiment_score":0.06586316227912903,"channel":1,"num_words":1,"start":177.085,"end":177.585},{"sentences":[{"text":"earning about I think, yeah, listed 89,692,","start":179.105,"end":183.685,"sentiment":"neutral","sentiment_score":0.060064819774457386}],"sentiment":"neutral","sentiment_score":0.060064819774457386,"channel":0,"num_words":7,"start":179.105,"end":183.685},{"sentences":[{"text":"Yep.","start":183.88501,"end":184.38501,"sentiment":"neutral","sentiment_score":0.09638893604278564}],"sentiment":"neutral","sentiment_score":0.09638893604278564,"channel":1,"num_words":1,"start":183.88501,"end":184.38501},{"sentences":[{"text":"saving a couple of $100 on week on average.","start":183.905,"end":186.645,"sentiment":"neutral","sentiment_score":0.08260548363129298},{"text":"Yep.","start":186.94499,"end":187.44499,"sentiment":"neutral","sentiment_score":0.2096884697675705},{"text":"Awesome.","start":187.72,"end":188.22,"sentiment":"positive","sentiment_score":0.580299437046051},{"text":"We've got salary sacrificing 200 a month to super.","start":188.68,"end":192.14,"sentiment":"neutral","sentiment_score":0.17041265136665767},{"text":"Can I just double check with you?","start":193.16,"end":194.52,"sentiment":"neutral","sentiment_score":0.0842286843274321}],"sentiment":"neutral","sentiment_score":0.1354352560032297,"channel":0,"num_words":27,"start":183.905,"end":194.52},{"sentences":[{"text":"Are you still comfortable with that amount of salary sacrifice?","start":194.52,"end":197.66,"sentiment":"neutral","sentiment_score":-0.0535697914659977}],"sentiment":"neutral","sentiment_score":-0.0535697914659977,"channel":0,"num_words":10,"start":194.52,"end":197.66},{"sentences":[{"text":"Yep.","start":198.46,"end":198.96,"sentiment":"neutral","sentiment_score":0.01978345587849617}],"sentiment":"neutral","sentiment_score":0.01978345587849617,"channel":1,"num_words":1,"start":198.46,"end":198.96},{"sentences":[{"text":"Okay.","start":200.69499,"end":201.19499,"sentiment":"neutral","sentiment_score":0.011365965008735657},{"text":"The home listed last time valued at 371,000 owing about 300,000.","start":201.815,"end":207.495,"sentiment":"neutral","sentiment_score":0.0015264034948565743},{"text":"Is that pretty close to the mark, or is it kind of fluctuating quite a bit?","start":207.495,"end":210.935,"sentiment":"neutral","sentiment_score":-0.03344713361002505},{"text":"I know the market's gonna be crazy.","start":210.935,"end":212.715,"sentiment":"neutral","sentiment_score":-0.1705637467758996}],"sentiment":"neutral","sentiment_score":-0.048598398906844004,"channel":0,"num_words":35,"start":200.69499,"end":212.715},{"sentences":[{"text":"For what?","start":213.355,"end":213.91501,"sentiment":"neutral","sentiment_score":-0.06402938067913055},{"text":"Sorry.","start":213.91501,"end":214.38,"sentiment":"neutral","sentiment_score":-0.09967176616191864}],"sentiment":"neutral","sentiment_score":-0.07591017584005992,"channel":1,"num_words":3,"start":213.355,"end":214.38},{"sentences":[{"text":"For the house value, I think we had it at $371,000.","start":216.12001,"end":219.48001,"sentiment":"neutral","sentiment_score":-0.08486005765470592},{"text":"Would that have jumped up a lot?","start":219.48001,"end":221.02,"sentiment":"neutral","sentiment_score":-0.10155625215598515}],"sentiment":"neutral","sentiment_score":-0.09135302218298118,"channel":0,"num_words":18,"start":216.12001,"end":221.02},{"sentences":[{"text":"That's what I paid for it.","start":221.5,"end":222.70001,"sentiment":"neutral","sentiment_score":-0.14183990036447844},{"text":"I have no idea if it's changed since then.","start":222.70001,"end":225.28,"sentiment":"neutral","sentiment_score":-0.24990184936258528}],"sentiment":"neutral","sentiment_score":-0.20667706976334255,"channel":1,"num_words":15,"start":221.5,"end":225.28},{"sentences":[{"text":"Oh, are you okay for me just to look up on property.com and add an updated value there?","start":226.85501,"end":231.91501,"sentiment":"neutral","sentiment_score":0.04033842362049553}],"sentiment":"neutral","sentiment_score":0.04033842362049553,"channel":0,"num_words":18,"start":226.85501,"end":231.91501},{"sentences":[{"text":"Yep.","start":232.155,"end":232.655,"sentiment":"neutral","sentiment_score":0.04311282187700272}],"sentiment":"neutral","sentiment_score":0.04311282187700272,"channel":1,"num_words":1,"start":232.155,"end":232.655},{"sentences":[{"text":"K.","start":234.295,"end":234.695,"sentiment":"neutral","sentiment_score":0.018630992621183395},{"text":"And the only other assets we had was a motor vehicle and about $5 worth of savings.","start":234.695,"end":239.35501,"sentiment":"neutral","sentiment_score":0.05805941287647275}],"sentiment":"neutral","sentiment_score":0.055868945084512234,"channel":0,"num_words":18,"start":234.295,"end":239.35501},{"sentences":[{"text":"Yep.","start":239.755,"end":240.255,"sentiment":"neutral","sentiment_score":0.06486622989177704}],"sentiment":"neutral","sentiment_score":0.06486622989177704,"channel":1,"num_words":1,"start":239.755,"end":240.255},{"sentences":[{"text":"Is there any other shares, crypto, personal loans, anything like that?","start":239.81,"end":243.83,"sentiment":"neutral","sentiment_score":0.07853499766100537},{"text":"Amazing.","start":246.12999,"end":246.62999,"sentiment":"positive","sentiment_score":0.506636381149292},{"text":"And we did actually have that you had put in place a","start":246.93,"end":249.73,"sentiment":"neutral","sentiment_score":0.2111356221139431}],"sentiment":"neutral","sentiment_score":0.1626728675328195,"channel":0,"num_words":24,"start":239.81,"end":249.73},{"sentences":[{"text":"Hang","start":249.29001,"end":249.79001,"sentiment":"neutral","sentiment_score":0.15825296938419342}],"sentiment":"neutral","sentiment_score":0.15825296938419342,"channel":1,"num_words":1,"start":249.29001,"end":249.79001},{"sentences":[{"text":"a will.","start":249.73,"end":250.12999,"sentiment":"neutral","sentiment_score":0.1683267503976822},{"text":"Is that correct?","start":250.12999,"end":250.95,"sentiment":"neutral","sentiment_score":0.12683274348576865}],"sentiment":"neutral","sentiment_score":0.14343034625053405,"channel":0,"num_words":5,"start":249.73,"end":250.95},{"sentences":[{"text":"on.","start":251.09,"end":251.59,"sentiment":"neutral","sentiment_score":-0.0058954739943146706},{"text":"I haven't yet, but I should look into doing that.","start":252.89,"end":255.765,"sentiment":"neutral","sentiment_score":-0.0933151088654995}],"sentiment":"neutral","sentiment_score":-0.08536786933175543,"channel":1,"num_words":11,"start":251.09,"end":255.765},{"sentences":[{"text":"K.","start":257.585,"end":258.085,"sentiment":"neutral","sentiment_score":0.03227119892835617},{"text":"You just might give a reminder that also maybe put in place, like, a power of attorney, if you remember what that does.","start":258.305,"end":264.565,"sentiment":"neutral","sentiment_score":0.03343354254637076}],"sentiment":"neutral","sentiment_score":0.033385111562286816,"channel":0,"num_words":24,"start":257.585,"end":264.565},{"sentences":[{"text":"Not really.","start":267.825,"end":268.56,"sentiment":"neutral","sentiment_score":-0.21894115954637527}],"sentiment":"neutral","sentiment_score":-0.21894115954637527,"channel":1,"num_words":2,"start":267.825,"end":268.56},{"sentences":[{"text":"That's kind of like the the will is where does everything go when you pass away.","start":270.49002,"end":274.35,"sentiment":"neutral","sentiment_score":-0.19222635310143232},{"text":"Power of attorney is if you're, let's say, in hospital, can't act on your own behalf, can someone actually access the bank accounts to make sure the mortgage is paid?","start":274.65,"end":284.57498,"sentiment":"neutral","sentiment_score":-0.02429197362313668},{"text":"Can they talk to the doctors on your behalf?","start":284.715,"end":286.715,"sentiment":"neutral","sentiment_score":-0.020043849531147215},{"text":"All that kind of thing.","start":286.715,"end":288.01498,"sentiment":"neutral","sentiment_score":-0.0012053057551383972}],"sentiment":"neutral","sentiment_score":-0.06651336721455058,"channel":0,"num_words":60,"start":270.49002,"end":288.01498},{"sentences":[{"text":"Yep.","start":288.33502,"end":288.83502,"sentiment":"neutral","sentiment_score":0.265658438205719}],"sentiment":"neutral","sentiment_score":0.265658438205719,"channel":1,"num_words":1,"start":288.33502,"end":288.83502},{"sentences":[{"text":"And it just kind of stops everyone from having to go to the courts for probate.","start":290.395,"end":294.79498,"sentiment":"neutral","sentiment_score":0.19750012457370758},{"text":"Makes it a bit simpler.","start":294.79498,"end":296.01498,"sentiment":"positive","sentiment_score":0.4015534043312073},{"text":"Sometimes that can take a little while.","start":296.38998,"end":298.25,"sentiment":"neutral","sentiment_score":-0.023715804730142866}],"sentiment":"neutral","sentiment_score":0.17863422791872705,"channel":0,"num_words":28,"start":290.395,"end":298.25},{"sentences":[{"text":"Yep.","start":298.77,"end":299.27,"sentiment":"neutral","sentiment_score":0.12165792286396028}],"sentiment":"neutral","sentiment_score":0.12165792286396028,"channel":1,"num_words":1,"start":298.77,"end":299.27},{"sentences":[{"text":"K.","start":302.38998,"end":302.47,"sentiment":"neutral","sentiment_score":0.070675328373909},{"text":"Now just going through the super, do you log in to your hub 24 every now and then to keep an eye on it, or is it more of a just a yearly check?","start":302.47,"end":309.37,"sentiment":"neutral","sentiment_score":0.06285076949964552}],"sentiment":"neutral","sentiment_score":0.06307432832462447,"channel":0,"num_words":35,"start":302.38998,"end":309.37},{"sentences":[{"text":"Yes.","start":310.655,"end":311.055,"sentiment":"neutral","sentiment_score":0.06761080771684647},{"text":"Oh my god.","start":311.055,"end":311.775,"sentiment":"neutral","sentiment_score":0.022225032250086468},{"text":"Six monthly check.","start":311.775,"end":313.055,"sentiment":"neutral","sentiment_score":0.004665949692328771},{"text":"I always forget to check it.","start":313.055,"end":314.515,"sentiment":"neutral","sentiment_score":-0.0369664691388607}],"sentiment":"neutral","sentiment_score":-0.005655004714544003,"channel":1,"num_words":13,"start":310.655,"end":314.515},{"sentences":[{"text":"No.","start":316.175,"end":316.335,"sentiment":"neutral","sentiment_score":-0.033093418926000595},{"text":"That's totally fine.","start":316.335,"end":317.215,"sentiment":"neutral","sentiment_score":0.19284645716349283},{"text":"You do have us there to look at it.","start":317.215,"end":318.995,"sentiment":"positive","sentiment_score":0.35897675818867153},{"text":"You've had a pretty pretty strong journey, especially with all that salary sacrifice.","start":319.215,"end":323.715,"sentiment":"positive","sentiment_score":0.40955621691850513},{"text":"I'm looking at your entire history from 2021.","start":323.775,"end":327.28,"sentiment":"neutral","sentiment_score":0.1744613405317068}],"sentiment":"neutral","sentiment_score":0.30871053883696303,"channel":0,"num_words":34,"start":316.175,"end":327.28},{"sentences":[{"text":"You started with about 66,000.","start":327.5,"end":329.75998,"sentiment":"neutral","sentiment_score":0.13637661933898926},{"text":"You're sitting at a $125.07 $9.07 as of today.","start":330.06,"end":334.72,"sentiment":"neutral","sentiment_score":0.12503445810741848},{"text":"You've gone through couple little dips in the market in 2025 and in March just with what was going on in the world out there.","start":336.3,"end":345.315,"sentiment":"neutral","sentiment_score":-0.0037059697508811953},{"text":"You'll notice that when you get that DocuSign pack from us, there'll be a performance report in there that'll show you every investment option that you've got as well as your overall portfolio as well.","start":345.615,"end":358.33,"sentiment":"neutral","sentiment_score":0.22169113882950375}],"sentiment":"neutral","sentiment_score":0.12802343020165288,"channel":0,"num_words":74,"start":327.5,"end":358.33},{"sentences":[{"text":"Yep.","start":358.94,"end":359.145,"sentiment":"neutral","sentiment_score":0.15401917695999146}],"sentiment":"neutral","sentiment_score":0.15401917695999146,"channel":1,"num_words":1,"start":358.94,"end":359.145},{"sentences":[{"text":"Now if you recall, Lauren, you're in, like, a growth portfolio, kind of that four out of five on the risk scale, 80% growth assets, shares, and property.","start":359.66998,"end":368.31,"sentiment":"neutral","sentiment_score":0.12628766681466783},{"text":"Does that ring a bell?","start":368.31,"end":369.345,"sentiment":"neutral","sentiment_score":0.1412869691848755}],"sentiment":"neutral","sentiment_score":0.1285602883859114,"channel":0,"num_words":33,"start":359.66998,"end":369.345},{"sentences":[{"text":"Yep.","start":369.705,"end":370.205,"sentiment":"neutral","sentiment_score":0.07391445338726044}],"sentiment":"neutral","sentiment_score":0.07391445338726044,"channel":1,"num_words":1,"start":369.705,"end":370.205},{"sentences":[{"text":"K.","start":371.98502,"end":372.48502,"sentiment":"neutral","sentiment_score":-0.011886429972946644},{"text":"Now as far as the performance the last twelve months goes, even with the market dropping, when you're in a growth profile, you're kind of aiming for that 9% or above on","start":372.545,"end":385.32,"sentiment":"neutral","sentiment_score":0.15934203809592873}],"sentiment":"neutral","sentiment_score":0.15415329663929614,"channel":0,"num_words":33,"start":371.98502,"end":385.32},{"sentences":[{"text":"Yep.","start":386.61002,"end":386.895,"sentiment":"neutral","sentiment_score":0.2057377398014069}],"sentiment":"neutral","sentiment_score":0.2057377398014069,"channel":1,"num_words":1,"start":386.61002,"end":386.895},{"sentences":[{"text":"that.","start":387.56,"end":388.06,"sentiment":"neutral","sentiment_score":0.17925137281417847},{"text":"Now one thing I did wanna just quickly raise with you is out of the kind of 10 options that you're in, most of them have been pretty incredible the last twelve months.","start":388.92,"end":399.64,"sentiment":"positive","sentiment_score":0.4293515822201064},{"text":"You've got some battery tech, which is like your electric vehicles.","start":399.64,"end":403.465,"sentiment":"positive","sentiment_score":0.3742679032412442},{"text":"That's gone up about a 109%.","start":403.525,"end":405.785,"sentiment":"positive","sentiment_score":0.5007191697756449},{"text":"Gold and silver going up about a 100%.","start":406.805,"end":409.285,"sentiment":"positive","sentiment_score":0.4381135068833828}],"sentiment":"positive","sentiment_score":0.4232885355161408,"channel":0,"num_words":59,"start":387.56,"end":409.285},{"sentences":[{"text":"Your shares up 70%.","start":409.285,"end":410.645,"sentiment":"positive","sentiment_score":0.3839854374527931},{"text":"Everything's been really crazy for twelve months.","start":410.645,"end":412.98,"sentiment":"positive","sentiment_score":0.35212892506803783},{"text":"The only one that's kind of underperformed is your Australian shares in a Bennelong option.","start":413.22,"end":419.16,"sentiment":"neutral","sentiment_score":-0.15118089069922766}],"sentiment":"neutral","sentiment_score":0.06665887941534702,"channel":0,"num_words":26,"start":409.285,"end":419.16},{"sentences":[{"text":"Yep.","start":420.715,"end":421.215,"sentiment":"neutral","sentiment_score":0.0737924575805664}],"sentiment":"neutral","sentiment_score":0.0737924575805664,"channel":1,"num_words":1,"start":420.715,"end":421.215},{"sentences":[{"text":"Now I'm looking at this through the history of your account, and I would have expected it to have bounced back this year.","start":420.98,"end":428.52002,"sentiment":"neutral","sentiment_score":-0.043139313833545086},{"text":"I know that Benelon had a pretty poor year last year, but it hasn't really bounced back to catch up with the rest of those Australian shares option that are out there.","start":428.625,"end":437.605,"sentiment":"neutral","sentiment_score":-0.22907284973189235},{"text":"Are you okay for me to look at getting a bit of a replacement option for that one?","start":438.145,"end":443.125,"sentiment":"neutral","sentiment_score":-0.036519295846422516}],"sentiment":"neutral","sentiment_score":-0.12301209225791367,"channel":0,"num_words":73,"start":420.98,"end":443.125},{"sentences":[{"text":"Yep.","start":444.33,"end":444.83,"sentiment":"neutral","sentiment_score":0.031776219606399536}],"sentiment":"neutral","sentiment_score":0.031776219606399536,"channel":1,"num_words":1,"start":444.33,"end":444.83},{"sentences":[{"text":"K.","start":446.61,"end":447.09,"sentiment":"neutral","sentiment_score":0.02148253098130226},{"text":"I do have one question for you.","start":447.09,"end":448.61,"sentiment":"neutral","sentiment_score":0.023922226524778774},{"text":"There's no wrong answer here.","start":448.61,"end":449.81,"sentiment":"neutral","sentiment_score":0.006237901374697685},{"text":"It's really just if you have a strong gut feeling either way.","start":449.81,"end":453.35,"sentiment":"neutral","sentiment_score":0.0487404428422451},{"text":"Do you have a preference between going for, like, the lowest fee investments possible, or are you okay with the idea of paying a little bit higher fees to get some higher returns?","start":453.57,"end":462.775,"sentiment":"neutral","sentiment_score":0.03451148302040317}],"sentiment":"neutral","sentiment_score":0.03351537719497393,"channel":0,"num_words":58,"start":446.61,"end":462.775},{"sentences":[{"text":"Do you have a strong link between the two?","start":462.835,"end":464.855,"sentiment":"neutral","sentiment_score":0.004166289336151547}],"sentiment":"neutral","sentiment_score":0.004166289336151547,"channel":0,"num_words":9,"start":462.835,"end":464.855},{"sentences":[{"text":"I have no idea.","start":465.87,"end":467.01,"sentiment":"neutral","sentiment_score":-0.12034126929938793},{"text":"All that stuff is Chinese to me,","start":467.55,"end":469.07,"sentiment":"neutral","sentiment_score":-0.10870508530310222}],"sentiment":"neutral","sentiment_score":-0.1129364249381152,"channel":1,"num_words":11,"start":465.87,"end":469.07},{"sentences":[{"text":"That's","start":468.995,"end":469.315,"sentiment":"neutral","sentiment_score":-0.024189379066228867}],"sentiment":"neutral","sentiment_score":-0.024189379066228867,"channel":0,"num_words":1,"start":468.995,"end":469.315},{"sentences":[{"text":"so whatever","start":469.07,"end":469.79,"sentiment":"neutral","sentiment_score":-0.010201778262853624}],"sentiment":"neutral","sentiment_score":-0.010201778262853624,"channel":1,"num_words":2,"start":469.07,"end":469.79},{"sentences":[{"text":"okay?","start":469.315,"end":469.815,"sentiment":"neutral","sentiment_score":0.022714562714099884}],"sentiment":"neutral","sentiment_score":0.022714562714099884,"channel":0,"num_words":1,"start":469.315,"end":469.815},{"sentences":[{"text":"you recommend.","start":469.79,"end":470.45,"sentiment":"neutral","sentiment_score":0.03815842792391777}],"sentiment":"neutral","sentiment_score":0.03815842792391777,"channel":1,"num_words":2,"start":469.79,"end":470.45},{"sentences":[{"text":"Cool.","start":473.00998,"end":473.33,"sentiment":"neutral","sentiment_score":0.2277849912643433},{"text":"So you're in kind of a blend at the moment where most of it is low fee, only a little bit is in the active side.","start":473.33,"end":479.99,"sentiment":"neutral","sentiment_score":0.13862708468849844},{"text":"We do have some other options I've been researching since New Year's, which I'm gonna compare for you.","start":480.53,"end":486.805,"sentiment":"neutral","sentiment_score":0.18761755029360452},{"text":"And then what I'll do is I'll put together a bit of an updated statement of advice just to show you the differences between them.","start":486.865,"end":493.265,"sentiment":"neutral","sentiment_score":0.09175106711685657},{"text":"And if you're comfortable with that, we can make a bit of a switch there.","start":493.265,"end":496.8,"sentiment":"neutral","sentiment_score":0.3055966943502426}],"sentiment":"neutral","sentiment_score":0.16572861401912045,"channel":0,"num_words":85,"start":473.00998,"end":496.8},{"sentences":[{"text":"Yep.","start":497.32,"end":497.82,"sentiment":"neutral","sentiment_score":0.3167014718055725}],"sentiment":"neutral","sentiment_score":0.3167014718055725,"channel":1,"num_words":1,"start":497.32,"end":497.82},{"sentences":[{"text":"Just with the risk level briefly, we did have a pretty good example in March of the market going down and then bouncing back.","start":500.4,"end":508.15997,"sentiment":"neutral","sentiment_score":0.22132357799758515},{"text":"And I just wanted to quickly let you know how that looks because you are in a growth risk profile.","start":508.15997,"end":513.265,"sentiment":"neutral","sentiment_score":0.16020945645868778},{"text":"So you went from a 127 down to a 116,000 to call it, like, an 11,000 drop, and then it bounced back 9,000 within two weeks.","start":513.885,"end":523.985,"sentiment":"neutral","sentiment_score":0.06804123434882897},{"text":"That's pretty normal in terms of what a growth risk profile tends to fluctuate like.","start":524.69995,"end":530.45996,"sentiment":"neutral","sentiment_score":0.06399684995412827},{"text":"And because it's all percentage returns, it's just gonna be going up and down anywhere between 10 and $30,000 a year based on the returns of the market on top of your contributions, of course.","start":530.45996,"end":543.085,"sentiment":"neutral","sentiment_score":0.06711777416723115}],"sentiment":"neutral","sentiment_score":0.11328418282791972,"channel":0,"num_words":120,"start":500.4,"end":543.085},{"sentences":[{"text":"Yep.","start":543.55005,"end":544.05005,"sentiment":"neutral","sentiment_score":0.17822745442390442}],"sentiment":"neutral","sentiment_score":0.17822745442390442,"channel":1,"num_words":1,"start":543.55005,"end":544.05005},{"sentences":[{"text":"Do you have any concerns there?","start":543.625,"end":544.905,"sentiment":"neutral","sentiment_score":0.049620542054375015},{"text":"Are you okay to still focus on trying to grow as much as you can?","start":544.905,"end":548.125,"sentiment":"neutral","sentiment_score":0.1269494652748108}],"sentiment":"neutral","sentiment_score":0.10485548721182913,"channel":0,"num_words":21,"start":543.625,"end":548.125},{"sentences":[{"text":"Yeah.","start":548.83,"end":549.165,"sentiment":"neutral","sentiment_score":0.0673980861902237}],"sentiment":"neutral","sentiment_score":0.0673980861902237,"channel":1,"num_words":1,"start":548.83,"end":549.165},{"sentences":[{"text":"K.","start":551.01,"end":551.49,"sentiment":"neutral","sentiment_score":0.012054940685629845},{"text":"Do you have any inclination to look at going more aggressive with it?","start":551.49,"end":554.93,"sentiment":"neutral","sentiment_score":-0.03640788564315209},{"text":"You know, going to high growth so you can retire earlier, grow it even faster, or does the sound of high risk kind of make you a bit iffy?","start":554.93,"end":562.425,"sentiment":"neutral","sentiment_score":-0.15233145422976593},{"text":"Yep.","start":562.425,"end":562.925,"sentiment":"neutral","sentiment_score":0.05337296426296234}],"sentiment":"neutral","sentiment_score":-0.10967015411535447,"channel":0,"num_words":44,"start":551.01,"end":562.925},{"sentences":[{"text":"I'd probably rather go the safer option.","start":564.125,"end":566.12,"sentiment":"neutral","sentiment_score":-0.020368850656918118}],"sentiment":"neutral","sentiment_score":-0.020368850656918118,"channel":1,"num_words":7,"start":564.125,"end":566.12},{"sentences":[{"text":"And, look, doing salary sacrifice while being in a growth portfolio kind of has the same effect.","start":568.425,"end":573.46497,"sentiment":"neutral","sentiment_score":0.10382860811317668},{"text":"So as long as you're still okay to keep doing that kind of 50 a week into your super, you'll still get to a pretty similar outcome as someone who is in a high risk.","start":573.46497,"end":582.16003,"sentiment":"neutral","sentiment_score":0.1468571612877505}],"sentiment":"neutral","sentiment_score":0.1327901342883706,"channel":0,"num_words":52,"start":568.425,"end":582.16003},{"sentences":[{"text":"Yep.","start":582.91504,"end":583.41504,"sentiment":"neutral","sentiment_score":0.1882847249507904}],"sentiment":"neutral","sentiment_score":0.1882847249507904,"channel":1,"num_words":1,"start":582.91504,"end":583.41504},{"sentences":[{"text":"K.","start":585.02,"end":585.5,"sentiment":"neutral","sentiment_score":0.24494029581546783},{"text":"So that's perfect.","start":585.5,"end":586.54004,"sentiment":"positive","sentiment_score":0.5249455471833547},{"text":"I'll leave the risk level alone.","start":586.54004,"end":588.06,"sentiment":"neutral","sentiment_score":0.2459181547164917},{"text":"We'll just give the the old portfolio a bit of an engine tune up, and I'll update some projections for you as well.","start":588.06,"end":595.855,"sentiment":"neutral","sentiment_score":0.27087434219277423},{"text":"Last question I had on the super was, do you have a bit of a preference?","start":596.39496,"end":599.83496,"sentiment":"neutral","sentiment_score":-0.0011527126189321282}],"sentiment":"neutral","sentiment_score":0.19401943539174235,"channel":0,"num_words":49,"start":585.02,"end":599.83496},{"sentences":[{"text":"I know it's a long while away, but between retiring towards age 65, 67 when the age pension kind of kicks in, or do you want to kind of retire as early as possible?","start":599.83496,"end":611.35004,"sentiment":"neutral","sentiment_score":-0.05636995762367459},{"text":"Do you have a preference between the two?","start":612.13,"end":613.99005,"sentiment":"neutral","sentiment_score":-0.0048490967601537704}],"sentiment":"neutral","sentiment_score":-0.04655646031633729,"channel":0,"num_words":42,"start":599.83496,"end":613.99005},{"sentences":[{"text":"Not really.","start":614.865,"end":615.425,"sentiment":"negative","sentiment_score":-0.3353525251150131},{"text":"I haven't really thought about it.","start":615.425,"end":616.68,"sentiment":"neutral","sentiment_score":-0.3174915636579196}],"sentiment":"neutral","sentiment_score":-0.32195680402219296,"channel":1,"num_words":8,"start":614.865,"end":616.68},{"sentences":[{"text":"Yeah.","start":618.785,"end":619.285,"sentiment":"neutral","sentiment_score":0.0018346495926380155},{"text":"But I guess, we're obviously going to first grow your super as much as we can.","start":619.345,"end":623.82495,"sentiment":"neutral","sentiment_score":0.23468693811446428},{"text":"As you get close to retirement, we can kind of talk through how long it's gonna last and when a good time to be to protect it and","start":623.82495,"end":631.33,"sentiment":"neutral","sentiment_score":0.17399857911680425}],"sentiment":"neutral","sentiment_score":0.19175079721543525,"channel":0,"num_words":45,"start":618.785,"end":631.33},{"sentences":[{"text":"Yeah.","start":631.32,"end":631.635,"sentiment":"neutral","sentiment_score":0.08776402473449707}],"sentiment":"neutral","sentiment_score":0.08776402473449707,"channel":1,"num_words":1,"start":631.32,"end":631.635},{"sentences":[{"text":"also to access it.","start":631.33,"end":632.45,"sentiment":"neutral","sentiment_score":0.12213609181344509},{"text":"So for now, I'll just focus on the growth side.","start":632.45,"end":634.79,"sentiment":"neutral","sentiment_score":0.233323385566473}],"sentiment":"neutral","sentiment_score":0.20155558735132217,"channel":0,"num_words":14,"start":631.33,"end":634.79},{"sentences":[{"text":"Yep.","start":635.47504,"end":635.97504,"sentiment":"positive","sentiment_score":0.4167641997337342}],"sentiment":"positive","sentiment_score":0.4167641997337342,"channel":1,"num_words":1,"start":635.47504,"end":635.97504},{"sentences":[{"text":"Perfect.","start":637.01,"end":637.51,"sentiment":"positive","sentiment_score":0.6971556544303894},{"text":"Is there anything else on the cards for you in the next three to five years goals wise that we haven't already talked about?","start":637.64996,"end":644.135,"sentiment":"positive","sentiment_score":0.3374952661494414}],"sentiment":"positive","sentiment_score":0.35188168168067935,"channel":0,"num_words":25,"start":637.01,"end":644.135},{"sentences":[{"text":"No.","start":645.155,"end":645.54,"sentiment":"neutral","sentiment_score":-0.013865629211068152}],"sentiment":"neutral","sentiment_score":-0.013865629211068152,"channel":1,"num_words":1,"start":645.155,"end":645.54},{"sentences":[{"text":"Okay.","start":647.23505,"end":647.47504,"sentiment":"neutral","sentiment_score":0.05504313111305237},{"text":"So it's really just fix up the house, maybe a bit of holidays, pay off that mortgage.","start":647.47504,"end":652.05505,"sentiment":"neutral","sentiment_score":0.15178626205991297},{"text":"Are you the type of person, Lauren, to look into investing one day, or are you just happy to have that stable","start":652.755,"end":658.16,"sentiment":"neutral","sentiment_score":0.11939857967875221}],"sentiment":"neutral","sentiment_score":0.13155445847660302,"channel":0,"num_words":40,"start":647.23505,"end":658.16},{"sentences":[{"text":"Yeah.","start":659.86,"end":660.01996,"sentiment":"neutral","sentiment_score":-0.08975362032651901},{"text":"I really don't wanna invest.","start":660.01996,"end":661.305,"sentiment":"neutral","sentiment_score":-0.29560368955135347}],"sentiment":"neutral","sentiment_score":-0.2612953446805477,"channel":1,"num_words":6,"start":659.86,"end":661.305},{"sentences":[{"text":"base?","start":662.86,"end":663.18,"sentiment":"neutral","sentiment_score":-0.16791599988937378},{"text":"That's totally fair.","start":663.18,"end":664.39996,"sentiment":"neutral","sentiment_score":-0.032620237519343696},{"text":"I was looking at your beneficiary nominations.","start":665.1,"end":667.83997,"sentiment":"neutral","sentiment_score":-0.043531092682055066},{"text":"There was a note here that you don't really wanna put in place a beneficiary nomination at this point.","start":667.89996,"end":672.615,"sentiment":"neutral","sentiment_score":-0.1768205687403679},{"text":"Probably just sort out, like, a will and a power of attorney.","start":672.695,"end":675.735,"sentiment":"neutral","sentiment_score":-0.110690093288819}],"sentiment":"neutral","sentiment_score":-0.12519919730368115,"channel":0,"num_words":42,"start":662.86,"end":675.735},{"sentences":[{"text":"Did you want me to add anybody on there for the sofa?","start":675.735,"end":678.395,"sentiment":"neutral","sentiment_score":-0.08723956191291411}],"sentiment":"neutral","sentiment_score":-0.08723956191291411,"channel":0,"num_words":12,"start":675.735,"end":678.395},{"sentences":[{"text":"Nothing is right at the moment.","start":680.69,"end":682.23004,"sentiment":"neutral","sentiment_score":-0.22563288360834122}],"sentiment":"neutral","sentiment_score":-0.22563288360834122,"channel":1,"num_words":6,"start":680.69,"end":682.23004},{"sentences":[{"text":"Okay.","start":684.055,"end":684.555,"sentiment":"neutral","sentiment_score":-0.008626768365502357},{"text":"If at any point you put in place a will and you want your super to go to your mother, for example, you can actually direct your super towards the will as well.","start":684.71,"end":694.01,"sentiment":"neutral","sentiment_score":0.11263571736035925},{"text":"So if you go to do that, whether it's through a solicitor like a courthouse, public trustee of the state, or even a will kit for 25 pucks at the post office, if you do wanna include the super in that, we can fix up a nomination to go in that direction too.","start":694.07,"end":710.215,"sentiment":"neutral","sentiment_score":0.12071419050389866},{"text":"So just gonna let us know.","start":710.215,"end":711.66,"sentiment":"neutral","sentiment_score":0.08459286764264107}],"sentiment":"neutral","sentiment_score":0.114126464592353,"channel":0,"num_words":93,"start":684.055,"end":711.66},{"sentences":[{"text":"Yep.","start":712.39996,"end":712.875,"sentiment":"neutral","sentiment_score":0.06722979247570038}],"sentiment":"neutral","sentiment_score":0.06722979247570038,"channel":1,"num_words":1,"start":712.39996,"end":712.875},{"sentences":[{"text":"K.","start":714.94,"end":715.33997,"sentiment":"neutral","sentiment_score":0.01386295072734356},{"text":"Last two things for me.","start":715.33997,"end":716.8,"sentiment":"neutral","sentiment_score":-0.010246958211064338},{"text":"You've got a Neos income protection and no life and disability insurance.","start":717.5,"end":722.86,"sentiment":"neutral","sentiment_score":-0.07790932369728883},{"text":"There's a note here that it's not really that important for you at the moment, mainly just the income protection.","start":722.86,"end":727.165,"sentiment":"neutral","sentiment_score":-0.18822488747537136},{"text":"Is that","start":727.165,"end":727.985,"sentiment":"neutral","sentiment_score":-0.030150595121085644}],"sentiment":"neutral","sentiment_score":-0.11992706661112607,"channel":0,"num_words":40,"start":714.94,"end":727.985},{"sentences":[{"text":"Yeah.","start":728.74,"end":729.24,"sentiment":"neutral","sentiment_score":-0.035836800932884216}],"sentiment":"neutral","sentiment_score":-0.035836800932884216,"channel":1,"num_words":1,"start":728.74,"end":729.24},{"sentences":[{"text":"right?","start":729.28503,"end":729.78503,"sentiment":"neutral","sentiment_score":-0.027594761922955513},{"text":"K.","start":731.085,"end":731.565,"sentiment":"neutral","sentiment_score":-0.025821134448051453},{"text":"We've got 1,441 per year.","start":731.565,"end":735.665,"sentiment":"neutral","sentiment_score":-0.16451275646686553},{"text":"It comes out with a expensive.","start":735.805,"end":737.665,"sentiment":"negative","sentiment_score":-0.4329669425884883},{"text":"We've got a four week waiting period.","start":742.29004,"end":744.29004,"sentiment":"neutral","sentiment_score":-0.3046350223677499}],"sentiment":"neutral","sentiment_score":-0.28031132454052565,"channel":0,"num_words":20,"start":729.28503,"end":744.29004},{"sentences":[{"text":"So if you're out of work for a month, it'll kick in monthly, and we'll pay you up to five years.","start":744.29004,"end":750.23004,"sentiment":"neutral","sentiment_score":-0.17923071341855185},{"text":"Now the one question I have for you, Lauren, is your cover amount, 4,499 a month.","start":750.53,"end":758.15497,"sentiment":"neutral","sentiment_score":-0.04679181729443371},{"text":"So call it $4,500 a month you would get if you're off work.","start":758.295,"end":761.995,"sentiment":"neutral","sentiment_score":-0.06210976953689869}],"sentiment":"neutral","sentiment_score":-0.10639882124960423,"channel":0,"num_words":50,"start":744.29004,"end":761.995},{"sentences":[{"text":"Yep.","start":762.74,"end":763.24,"sentiment":"neutral","sentiment_score":0.17691192030906677}],"sentiment":"neutral","sentiment_score":0.17691192030906677,"channel":1,"num_words":1,"start":762.74,"end":763.24},{"sentences":[{"text":"You've got one of those really good 75% policies that just stopped.","start":762.855,"end":767.415,"sentiment":"neutral","sentiment_score":0.30710145582755405},{"text":"The government kind of banned it in October 2021, and you got this in place in September, which is great.","start":767.415,"end":773.48,"sentiment":"neutral","sentiment_score":0.18929781280457975},{"text":"But it's a little bit below what you could be insured for.","start":774.5,"end":778.19995,"sentiment":"neutral","sentiment_score":-0.20729690790176392},{"text":"So","start":778.81995,"end":779.31995,"sentiment":"neutral","sentiment_score":0.008522190153598785}],"sentiment":"neutral","sentiment_score":0.11093628936343723,"channel":0,"num_words":45,"start":762.855,"end":779.31995},{"sentences":[{"text":"Yeah.","start":779.13495,"end":779.63495,"sentiment":"neutral","sentiment_score":0.03502202779054642}],"sentiment":"neutral","sentiment_score":0.03502202779054642,"channel":1,"num_words":1,"start":779.13495,"end":779.63495},{"sentences":[{"text":"if you base it on your total income, you could have a maximum cover amount of about 5,500 a month.","start":779.45996,"end":787.105,"sentiment":"neutral","sentiment_score":0.030940912570804356},{"text":"You've got 4,500 a month.","start":787.245,"end":789.505,"sentiment":"neutral","sentiment_score":0.009220991656184197},{"text":"My question really is if you're off work for three months, would you be able to survive on that kind of thousand dollars a week?","start":789.565,"end":796.365,"sentiment":"neutral","sentiment_score":-0.12526853635907173},{"text":"Do you want me to look at a bit of an increased quote?","start":796.365,"end":798.87006,"sentiment":"neutral","sentiment_score":-0.04770244228152128},{"text":"What's your preference?","start":799.25,"end":800.23004,"sentiment":"neutral","sentiment_score":0.005653174904485543}],"sentiment":"neutral","sentiment_score":-0.04651458218524402,"channel":0,"num_words":66,"start":779.45996,"end":800.23004},{"sentences":[{"text":"Like, living expenses, yes.","start":806.295,"end":808.07495,"sentiment":"neutral","sentiment_score":0.02573650609701872},{"text":"But factoring in my mortgage into that,","start":808.295,"end":811.17,"sentiment":"neutral","sentiment_score":-0.01625317840703896}],"sentiment":"neutral","sentiment_score":-0.0009842022237452586,"channel":1,"num_words":11,"start":806.295,"end":811.17},{"sentences":[{"text":"It probably wouldn't cost too much to bump it","start":814.945,"end":817.26495,"sentiment":"neutral","sentiment_score":-0.15249614790081978}],"sentiment":"neutral","sentiment_score":-0.15249614790081978,"channel":0,"num_words":9,"start":814.945,"end":817.26495},{"sentences":[{"text":"probably","start":817.17,"end":817.67,"sentiment":"neutral","sentiment_score":-0.2297387421131134}],"sentiment":"neutral","sentiment_score":-0.2297387421131134,"channel":1,"num_words":1,"start":817.17,"end":817.67},{"sentences":[{"text":"up a little bit.","start":817.26495,"end":818.245,"sentiment":"neutral","sentiment_score":-0.1532660461962223},{"text":"I'm thinking if it goes from","start":818.625,"end":820.865,"sentiment":"neutral","sentiment_score":-0.07279695570468903}],"sentiment":"neutral","sentiment_score":-0.10498459190130234,"channel":0,"num_words":10,"start":817.26495,"end":820.865},{"sentences":[{"text":"not.","start":820.69,"end":821.19,"sentiment":"neutral","sentiment_score":-0.07291185855865479}],"sentiment":"neutral","sentiment_score":-0.07291185855865479,"channel":1,"num_words":1,"start":820.69,"end":821.19},{"sentences":[{"text":"4,500 to 5,500, it may only go up a couple $100 a year.","start":820.865,"end":825.16,"sentiment":"neutral","sentiment_score":-0.10852000633111367},{"text":"Do you want me to get a bit of an alteration quote with Niels and just run you through that when I go through the portfolio update?","start":825.38,"end":831.24,"sentiment":"neutral","sentiment_score":-0.0050254811843236285}],"sentiment":"neutral","sentiment_score":-0.03866120185703039,"channel":0,"num_words":40,"start":820.865,"end":831.24},{"sentences":[{"text":"Probably leave it for now.","start":833.90497,"end":835.265,"sentiment":"neutral","sentiment_score":-0.05904361829161644},{"text":"I think something we can revisit maybe at the next review.","start":835.265,"end":839.02,"sentiment":"neutral","sentiment_score":-0.02447052130644972}],"sentiment":"neutral","sentiment_score":-0.03527461411431432,"channel":1,"num_words":16,"start":833.90497,"end":839.02},{"sentences":[{"text":"Yeah.","start":840.755,"end":841.15497,"sentiment":"neutral","sentiment_score":0.07145902514457703},{"text":"No worries at all.","start":841.15497,"end":841.955,"sentiment":"neutral","sentiment_score":0.09810211323201656},{"text":"I'll put a note down that we'll leave that there, and I'll just put some context in that this is covering base expenses, and we may look at it in twelve months.","start":841.955,"end":849.175,"sentiment":"neutral","sentiment_score":0.07454974751453847}],"sentiment":"neutral","sentiment_score":0.07701241617669931,"channel":0,"num_words":37,"start":840.755,"end":849.175},{"sentences":[{"text":"Yep.","start":849.4,"end":849.9,"sentiment":"neutral","sentiment_score":0.1326078474521637}],"sentiment":"neutral","sentiment_score":0.1326078474521637,"channel":1,"num_words":1,"start":849.4,"end":849.9},{"sentences":[{"text":"Alrighty.","start":852.47003,"end":852.97003,"sentiment":"neutral","sentiment_score":0.1490853875875473},{"text":"So outside of giving the old portfolio a freshen up, which will pop up you a couple of weeks with updated plan, is there anything on your end?","start":853.03,"end":862.39,"sentiment":"neutral","sentiment_score":0.11738041442419801},{"text":"Any questions for me?","start":862.39,"end":863.865,"sentiment":"neutral","sentiment_score":-0.0014655797276645899}],"sentiment":"neutral","sentiment_score":0.10393559613801313,"channel":0,"num_words":33,"start":852.47003,"end":863.865},{"sentences":[{"text":"No.","start":864.695,"end":865.195,"sentiment":"neutral","sentiment_score":-0.11492113769054411}],"sentiment":"neutral","sentiment_score":-0.11492113769054411,"channel":1,"num_words":1,"start":864.695,"end":865.195},{"sentences":[{"text":"Okay.","start":866.985,"end":867.485,"sentiment":"neutral","sentiment_score":-0.015094531700015068},{"text":"In that pack that's been sent through to you, just to let you know all the documents that are there, it comes through with, like, email attachments and then also that digital authorization link.","start":868.185,"end":878.765,"sentiment":"neutral","sentiment_score":0.057566985926207376},{"text":"So the attachments include your certificate of currency for the insurances, your portfolio performance, an updated financial services guide from us with all of our licensing details and so on.","start":878.93,"end":891.35,"sentiment":"neutral","sentiment_score":0.07549739057819048},{"text":"And then inside the authorization, there are two important documents.","start":891.615,"end":895.135,"sentiment":"neutral","sentiment_score":0.025806224159896373},{"text":"There's a service agreement, but also a tax file number declaration.","start":895.135,"end":899.635,"sentiment":"neutral","sentiment_score":0.009259212084791878}],"sentiment":"neutral","sentiment_score":0.05310486374033052,"channel":0,"num_words":86,"start":866.985,"end":899.635},{"sentences":[{"text":"Now","start":900.655,"end":901.155,"sentiment":"neutral","sentiment_score":-0.016034236177802086}],"sentiment":"neutral","sentiment_score":-0.016034236177802086,"channel":0,"num_words":1,"start":900.655,"end":901.155},{"sentences":[{"text":"Nope.","start":901.06,"end":901.455,"sentiment":"neutral","sentiment_score":-0.07756504416465759}],"sentiment":"neutral","sentiment_score":-0.07756504416465759,"channel":1,"num_words":1,"start":901.06,"end":901.455},{"sentences":[{"text":"with the tax file number, because of all of the cybersecurity issues of last year, We're trying to remove where we hold that number from all digital systems and just put it on the one document.","start":901.215,"end":913.26,"sentiment":"neutral","sentiment_score":-0.12816502681622902},{"text":"So I just wanted to double check if you're okay to consent to that.","start":913.48,"end":916.78,"sentiment":"neutral","sentiment_score":-0.058313480977501185}],"sentiment":"neutral","sentiment_score":-0.10860659398138522,"channel":0,"num_words":50,"start":901.215,"end":916.78},{"sentences":[{"text":"No.","start":917.62994,"end":917.94995,"sentiment":"neutral","sentiment_score":-0.04926514625549317},{"text":"Yep.","start":917.94995,"end":918.44995,"sentiment":"neutral","sentiment_score":0.009926680475473404}],"sentiment":"neutral","sentiment_score":-0.019669232890009884,"channel":1,"num_words":2,"start":917.62994,"end":918.44995},{"sentences":[{"text":"Okay.","start":920.375,"end":920.875,"sentiment":"neutral","sentiment_score":0.016965599730610847},{"text":"With the service agreement, are you still comfortable for us to look after your super for the next year?","start":921.335,"end":925.755,"sentiment":"neutral","sentiment_score":0.026400502771139145}],"sentiment":"neutral","sentiment_score":0.02592875761911273,"channel":0,"num_words":20,"start":920.375,"end":925.755},{"sentences":[{"text":"Yep.","start":926.18994,"end":926.68994,"sentiment":"neutral","sentiment_score":0.04810541868209839}],"sentiment":"neutral","sentiment_score":0.04810541868209839,"channel":1,"num_words":1,"start":926.18994,"end":926.68994},{"sentences":[{"text":"K.","start":928.455,"end":928.955,"sentiment":"neutral","sentiment_score":0.034229423850774765},{"text":"With the fees themselves, so we always give an estimate going forward for twelve months including a bit of super growth in there, but it's basically the usual 1.65% that's split into little monthly payments throughout the year.","start":929.335,"end":942.08997,"sentiment":"neutral","sentiment_score":0.03693500536150838},{"text":"It's not like a lock in contract, but it is a twelve month consent to be listed as advisers so we can still liaise with Pub twenty four and the insurance companies and so on.","start":942.08997,"end":951.995,"sentiment":"neutral","sentiment_score":0.03919426580624921},{"text":"Do you have any questions on that?","start":952.375,"end":953.995,"sentiment":"neutral","sentiment_score":0.027155356481671333}],"sentiment":"neutral","sentiment_score":0.03703267192812981,"channel":0,"num_words":81,"start":928.455,"end":953.995},{"sentences":[{"text":"No.","start":954.76,"end":955.125,"sentiment":"neutral","sentiment_score":-0.043622925877571106}],"sentiment":"neutral","sentiment_score":-0.043622925877571106,"channel":1,"num_words":1,"start":954.76,"end":955.125},{"sentences":[{"text":"Cool.","start":956.855,"end":957.355,"sentiment":"neutral","sentiment_score":0.0562950074672699},{"text":"So if you're okay to hop on there when you've got a minute and give that a sign for us.","start":957.415,"end":962.41,"sentiment":"neutral","sentiment_score":0.09342971164733171},{"text":"If you have any questions on how that works, if you can draw your signature, that would be better for the providers, but it usually stands on a signature as well.","start":962.41,"end":971.63,"sentiment":"neutral","sentiment_score":0.055721027235830986},{"text":"Once we get that back, the team will pretty much be finished their research and updated advice document with me.","start":971.93,"end":982.625,"sentiment":"neutral","sentiment_score":0.16402819380164146}],"sentiment":"neutral","sentiment_score":0.09628895778829853,"channel":0,"num_words":72,"start":956.855,"end":982.625},{"sentences":[{"text":"Okay.","start":983.395,"end":983.895,"sentiment":"neutral","sentiment_score":0.21897736191749573}],"sentiment":"neutral","sentiment_score":0.21897736191749573,"channel":1,"num_words":1,"start":983.395,"end":983.895},{"sentences":[{"text":"Okay.","start":986.125,"end":986.625,"sentiment":"neutral","sentiment_score":0.2898244261741638},{"text":"Now I appreciate you taking the time this morning.","start":986.925,"end":988.925,"sentiment":"positive","sentiment_score":0.6486355066299438},{"text":"That was a nice and easy review.","start":988.925,"end":991.05,"sentiment":"positive","sentiment_score":0.7679011140550885},{"text":"Only a couple of little things to fix up.","start":991.05,"end":993.14996,"sentiment":"positive","sentiment_score":0.34877972801526386},{"text":"Any last questions for me before I let you go and enjoy your your week?","start":993.52997,"end":997.31,"sentiment":"positive","sentiment_score":0.41731367508570355}],"sentiment":"positive","sentiment_score":0.5097944990890783,"channel":0,"num_words":41,"start":986.125,"end":997.31},{"sentences":[{"text":"No.","start":998.05,"end":998.55,"sentiment":"neutral","sentiment_score":-0.020413391292095184}],"sentiment":"neutral","sentiment_score":-0.020413391292095184,"channel":1,"num_words":1,"start":998.05,"end":998.55},{"sentences":[{"text":"Awesome, Thank you so much for your time today.","start":1001.29,"end":1003.95,"sentiment":"positive","sentiment_score":0.8934097819858127},{"text":"Keep an eye out for our calls.","start":1004.10504,"end":1006.185,"sentiment":"positive","sentiment_score":0.4780029313904898},{"text":"If we miss you, we'll just send you a text and email.","start":1006.185,"end":1008.685,"sentiment":"neutral","sentiment_score":0.2897660794357459}],"sentiment":"positive","sentiment_score":0.5308536253869534,"channel":0,"num_words":28,"start":1001.29,"end":1008.685},{"sentences":[{"text":"Yep.","start":1009.345,"end":1009.845,"sentiment":"neutral","sentiment_score":0.25684863328933716},{"text":"No worries.","start":1010.145,"end":1010.885,"sentiment":"positive","sentiment_score":0.3895581066608429}],"sentiment":"positive","sentiment_score":0.34532161553700763,"channel":1,"num_words":3,"start":1009.345,"end":1010.885},{"sentences":[{"text":"Have a fantastic day.","start":1012.66504,"end":1013.705,"sentiment":"positive","sentiment_score":0.7448214292526245},{"text":"Thank you so much.","start":1013.705,"end":1014.685,"sentiment":"positive","sentiment_score":0.8288601785898209}],"sentiment":"positive","sentiment_score":0.7868408039212227,"channel":0,"num_words":8,"start":1012.66504,"end":1014.685},{"sentences":[{"text":"Okay.","start":1014.945,"end":1015.265,"sentiment":"neutral","sentiment_score":0.3327084183692932},{"text":"Bye.","start":1015.265,"end":1015.765,"sentiment":"neutral","sentiment_score":0.22926625609397888}],"sentiment":"neutral","sentiment_score":0.28098733723163605,"channel":1,"num_words":2,"start":1014.945,"end":1015.765},{"sentences":[{"text":"Bye.","start":1017.705,"end":1018.205,"sentiment":"neutral","sentiment_score":-0.09868422150611876}],"sentiment":"neutral","sentiment_score":-0.09868422150611876,"channel":0,"num_words":1,"start":1017.705,"end":1018.205}]},"summary":{"result":"success","short":"A senior adviser from Asic called Lauren to go through her annual review and update her on her financial goals, including savings for overseas trips and a desire to get out of the current year's review. The adviser also discussed Lauren's savings and investment portfolio, recommending low fee investments and low fee investments. They also discussed retirement plans, income protection, and retirement goals. The speaker provided advice on managing risk levels and retirement goals, and discussed various insurance policies and costs with the customer. They reassured the customer that they will provide an updated advice document and update the policy."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review. Yep. Amazing.","start_word":21,"end_word":34,"intents":[{"intent":"Review annual review","confidence_score":0.102838226}]},{"text":"So you're thinking kind of moment. one to three years for the house and then holidays after that? Yeah. Perfect.","start_word":401,"end_word":420,"intents":[{"intent":"Express desire to expand house","confidence_score":8.71646e-8}]},{"text":"Are you okay for us to still use your Yahoo email address? K.","start_word":432,"end_word":444,"intents":[{"intent":"Ask about yahoo email","confidence_score":0.0006129832}]},{"text":"The home listed last time valued at 371,000 owing about 300,000. Is that pretty close to the mark, or is it kind of fluctuating quite a bit? I know the market's gonna be crazy. For what? Sorry. For the house value, I think we had it at $371,000. Would that have jumped up a lot?","start_word":517,"end_word":571,"intents":[{"intent":"Check property value","confidence_score":0.031108147}]},{"text":"The home listed last time valued at 371,000 owing about 300,000. Is that pretty close to the mark, or is it kind of fluctuating quite a bit? I know the market's gonna be crazy. For what? Sorry. For the house value, I think we had it at $371,000. Would that have jumped up a lot? That's what I paid for it. I have no idea if it's changed since then.","start_word":517,"end_word":586,"intents":[{"intent":"Clarify future plans for house","confidence_score":5.4205844e-7}]},{"text":"For the house value, I think we had it at $371,000. Would that have jumped up a lot?","start_word":554,"end_word":571,"intents":[{"intent":"Clarify house value","confidence_score":0.020931633}]},{"text":"Now just going through the super, do you log in to your hub 24 every now and then to keep an eye on it, or is it more of a just a yearly check? Yes. Oh my god.","start_word":783,"end_word":820,"intents":[{"intent":"Record information","confidence_score":0.0003020639}]},{"text":"We do have some other options I've been researching since New Year's, which I'm gonna compare for you.","start_word":1278,"end_word":1295,"intents":[{"intent":"Compare options","confidence_score":0.22015208}]},{"text":"Just with the risk level briefly, we did have a pretty good example in March of the market going down and then bouncing back. And I just wanted to quickly let you know how that looks because you are in a growth risk profile. So you went from a 127 down to a 116,000 to call it, like, an 11,000 drop, and then it bounced back 9,000 within two weeks.","start_word":1337,"end_word":1406,"intents":[{"intent":"Evaluate market volatility","confidence_score":0.026761262}]},{"text":"Now the one question I have for you, Lauren, is your cover amount, 4,499 a month.","start_word":2052,"end_word":2067,"intents":[{"intent":"Asking about coverage amount","confidence_score":0.008875818}]},{"text":"You've got one of those really good 75% policies that just stopped. The government kind of banned it in October 2021, and you got this in place in September, which is great. But it's a little bit below what you could be insured for. So Yeah.","start_word":2082,"end_word":2127,"intents":[{"intent":"Expressing dissatisfaction with policy","confidence_score":0.00007264734},{"intent":"Discussing policy changes","confidence_score":0.0009900484},{"intent":"Asking about policy implications","confidence_score":0.0009785078},{"intent":"Asking about policy policy","confidence_score":0.014430514},{"intent":"Asking about insurance policy","confidence_score":0.012981777},{"intent":"Expressing concern about coverage","confidence_score":0.00064038334}]},{"text":"Like, living expenses, yes.","start_word":2194,"end_word":2197,"intents":[{"intent":"Asking about living expenses","confidence_score":0.015117198}]},{"text":"Do you want me to get a bit of an alteration quote with Niels and just run you through that when I go through the portfolio update? Probably leave it for now. I think something we can revisit maybe at the next review. Yeah.","start_word":2239,"end_word":2282,"intents":[{"intent":"Inspecting portfolio review","confidence_score":2.324517e-8}]},{"text":"I'll put a note down that we'll leave that there, and I'll just put some context in that this is covering base expenses, and we may look at it in twelve months. Yep.","start_word":2287,"end_word":2319,"intents":[{"intent":"Leaving a note","confidence_score":0.028317602}]},{"text":"Any questions for me? No. Okay.","start_word":2350,"end_word":2355,"intents":[{"intent":"Answer questions","confidence_score":0.041379947}]},{"text":"So I just wanted to double check if you're okay to consent to that. No. Yep.","start_word":2478,"end_word":2493,"intents":[{"intent":"Confirm consent","confidence_score":0.017743783}]},{"text":"With the fees themselves, so we always give an estimate going forward for twelve months including a bit of super growth in there, but it's basically the usual 1.65% that's split into little monthly payments throughout the year. It's not like a lock in contract, but it is a twelve month consent to be listed as advisers so we can still liaise with Pub twenty four and the insurance companies and so on. Do you have any questions on that?","start_word":2516,"end_word":2595,"intents":[{"intent":"Discuss fees","confidence_score":0.1279441}]},{"text":"So if you're okay to hop on there when you've got a minute and give that a sign for us. If you have any questions on how that works, if you can draw your signature, that would be better for the providers, but it usually stands on a signature as well. Once we get that back, the team will pretty much be finished their research and updated advice document with me. Okay.","start_word":2598,"end_word":2669,"intents":[{"intent":"Arrange sign","confidence_score":0.0022476092}]},{"text":"Now I appreciate you taking the time this morning. That was a nice and easy review. Only a couple of little things to fix up. Any last questions for me before I let you go and enjoy your your week? No.","start_word":2671,"end_word":2711,"intents":[{"intent":"Acknowledge review","confidence_score":0.00006314995}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Lauren. It's Tommy here, senior adviser from. How are you doing?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.22102922201156616},{"text":"Good. Good to hear. Good to hear.","start_word":14,"end_word":20,"sentiment":"positive","sentiment_score":0.5344979763031006},{"text":"I'm just giving you a call to go through your annual review. Yep.","start_word":21,"end_word":33,"sentiment":"neutral","sentiment_score":0.21962597966194153},{"text":"Amazing.","start_word":34,"end_word":34,"sentiment":"positive","sentiment_score":0.5144909620285034},{"text":"Before I get started, I've got an annual review pay for this call to be recorded. Yep.","start_word":35,"end_word":51,"sentiment":"neutral","sentiment_score":0.2045995891094208},{"text":"Perfect.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.43975698947906494},{"text":"And just for the security of your information, so I'm registered with Asic as adviser one two seven three one zero five. We don't have a security question on file. Are you okay to confirm your date of birth and address, please? Yep. '84, and address is Yep. Unit 460 King George Prairie General.","start_word":53,"end_word":106,"sentiment":"neutral","sentiment_score":0.08833011984825134},{"text":"Perfect. Thank you so much for that, Lauren. I'm gonna pop this through to your Yahoo email address.","start_word":107,"end_word":124,"sentiment":"positive","sentiment_score":0.44465506076812744},{"text":"Are you okay to look on to the documents with me today, or would you like me just to walk you through what's there? Please just need to go over. I'm sorry. Yep. No worries at all. I'll pop that through just so you have it. Just with our new system, we've got a new CRM, and it might come through to your spam box rather than your main inbox for the first one, just Yep. with the old email filtering. Now I'm gonna go through and just briefly update some of the details that we have on file just to make sure the new system is accurate. Is there anything in particular that you're looking to get out of this year's review? Not really. Cool. Just a bit of a general update. Is that okay for you? Yep. Okay. Perfect. So I'm just gonna have a quick look through your previous goals.","start_word":125,"end_word":277,"sentiment":"neutral","sentiment_score":0.03712119534611702},{"text":"Looks like you did purchase that home that you're looking for, which is fantastic.","start_word":278,"end_word":291,"sentiment":"positive","sentiment_score":0.3615097999572754},{"text":"We did have you listed down looking to get some appliances for the house and save up for some overseas trips. Is that still correct? Yep. Okay. We're still going to Ireland in England or Probably several years off. But yeah. Yep. So a bit of a medium term goal, we'll call that one. Do you have any, like, figures in mind? I'm like, get or kind of as much savings as you can and come back to that in a couple years. Yeah. It's really not a priority. I'm trying to get all my house sorted and looking nice, or I even think about holidays at the Awesome. So you're thinking kind of moment. one to three years for the house and then holidays after that? Yeah.","start_word":292,"end_word":419,"sentiment":"neutral","sentiment_score":0.0330955528334016},{"text":"Perfect.","start_word":420,"end_word":420,"sentiment":"positive","sentiment_score":0.5324062705039978},{"text":"I'm just having a look through the details. So mobile, email. Are you okay for us to still use your Yahoo email address? K. We've got Robin, your mother listed as your next of kin. Yep. We had Yep. you listed as a payroll officer for Frontier Software, Yep. earning about I think, yeah, listed 89,692, Yep. saving a couple of $100 on week on average. Yep.","start_word":421,"end_word":487,"sentiment":"neutral","sentiment_score":0.08947458118200302},{"text":"Awesome.","start_word":488,"end_word":488,"sentiment":"positive","sentiment_score":0.580299437046051},{"text":"We've got salary sacrificing 200 a month to super. Can I just double check with you? Are you still comfortable with that amount of salary sacrifice? Yep. Okay. The home listed last time valued at 371,000 owing about 300,000. Is that pretty close to the mark, or is it kind of fluctuating quite a bit? I know the market's gonna be crazy. For what? Sorry. For the house value, I think we had it at $371,000. Would that have jumped up a lot? That's what I paid for it. I have no idea if it's changed since then. Oh, are you okay for me just to look up on property.com and add an updated value there? Yep. K. And the only other assets we had was a motor vehicle and about $5 worth of savings. Yep. Is there any other shares, crypto, personal loans, anything like that?","start_word":489,"end_word":635,"sentiment":"neutral","sentiment_score":-0.016169464215636253},{"text":"Amazing.","start_word":636,"end_word":636,"sentiment":"positive","sentiment_score":0.506636381149292},{"text":"And we did actually have that you had put in place a Hang a will. Is that correct? on. I haven't yet, but I should look into doing that. K. You just might give a reminder that also maybe put in place, like, a power of attorney, if you remember what that does. Not really. That's kind of like the the will is where does everything go when you pass away. Power of attorney is if you're, let's say, in hospital, can't act on your own behalf, can someone actually access the bank accounts to make sure the mortgage is paid? Can they talk to the doctors on your behalf? All that kind of thing. Yep. And it just kind of stops everyone from having to go to the courts for probate.","start_word":637,"end_word":768,"sentiment":"neutral","sentiment_score":0.015410863335780574},{"text":"Makes it a bit simpler.","start_word":769,"end_word":773,"sentiment":"positive","sentiment_score":0.3999928832054138},{"text":"Sometimes that can take a little while. Yep. K. Now just going through the super, do you log in to your hub 24 every now and then to keep an eye on it, or is it more of a just a yearly check? Yes. Oh my god. Six monthly check. I always forget to check it. No. That's totally fine.","start_word":774,"end_word":833,"sentiment":"neutral","sentiment_score":0.047807738184928894},{"text":"You do have us there to look at it. You've had a pretty pretty strong journey, especially with all that salary sacrifice.","start_word":834,"end_word":855,"sentiment":"positive","sentiment_score":0.3918992877006531},{"text":"I'm looking at your entire history from 2021. You started with about 66,000. You're sitting at a $125.07 $9.07 as of today. You've gone through couple little dips in the market in 2025 and in March just with what was going on in the world out there. You'll notice that when you get that DocuSign pack from us, there'll be a performance report in there that'll show you every investment option that you've got as well as your overall portfolio as well. Yep. Now if you recall, Lauren, you're in, like, a growth portfolio, kind of that four out of five on the risk scale, 80% growth assets, shares, and property. Does that ring a bell? Yep. K. Now as far as the performance the last twelve months goes, even with the market dropping, when you're in a growth profile, you're kind of aiming for that 9% or above on Yep. that.","start_word":856,"end_word":1007,"sentiment":"neutral","sentiment_score":0.14007205986662916},{"text":"Now one thing I did wanna just quickly raise with you is out of the kind of 10 options that you're in, most of them have been pretty incredible the last twelve months. You've got some battery tech, which is like your electric vehicles. That's gone up about a 109%. Gold and silver going up about a 100%. Your shares up 70%. Everything's been really crazy for twelve months.","start_word":1008,"end_word":1076,"sentiment":"positive","sentiment_score":0.4186995327472687},{"text":"The only one that's kind of underperformed is your Australian shares in a Bennelong option. Yep. Now I'm looking at this through the history of your account, and I would have expected it to have bounced back this year. I know that Benelon had a pretty poor year last year, but it hasn't really bounced back to catch up with the rest of those Australian shares option that are out there. Are you okay for me to look at getting a bit of a replacement option for that one? Yep. K. I do have one question for you. There's no wrong answer here. It's really just if you have a strong gut feeling either way. Do you have a preference between going for, like, the lowest fee investments possible, or are you okay with the idea of paying a little bit higher fees to get some higher returns? Do you have a strong link between the two? I have no idea. All that stuff is Chinese to me, That's so whatever okay? you recommend. Cool. So you're in kind of a blend at the moment where most of it is low fee, only a little bit is in the active side. We do have some other options I've been researching since New Year's, which I'm gonna compare for you. And then what I'll do is I'll put together a bit of an updated statement of advice just to show you the differences between them. And if you're comfortable with that, we can make a bit of a switch there. Yep. Just with the risk level briefly, we did have a pretty good example in March of the market going down and then bouncing back. And I just wanted to quickly let you know how that looks because you are in a growth risk profile. So you went from a 127 down to a 116,000 to call it, like, an 11,000 drop, and then it bounced back 9,000 within two weeks. That's pretty normal in terms of what a growth risk profile tends to fluctuate like. And because it's all percentage returns, it's just gonna be going up and down anywhere between 10 and $30,000 a year based on the returns of the market on top of your contributions, of course. Yep. Do you have any concerns there? Are you okay to still focus on trying to grow as much as you can? Yeah. K. Do you have any inclination to look at going more aggressive with it? You know, going to high growth so you can retire earlier, grow it even faster, or does the sound of high risk kind of make you a bit iffy? Yep. I'd probably rather go the safer option. And, look, doing salary sacrifice while being in a growth portfolio kind of has the same effect. So as long as you're still okay to keep doing that kind of 50 a week into your super, you'll still get to a pretty similar outcome as someone who is in a high risk. Yep. K.","start_word":1077,"end_word":1584,"sentiment":"neutral","sentiment_score":0.046449449311164535},{"text":"So that's perfect.","start_word":1585,"end_word":1587,"sentiment":"positive","sentiment_score":0.544206440448761},{"text":"I'll leave the risk level alone. We'll just give the the old portfolio a bit of an engine tune up, and I'll update some projections for you as well. Last question I had on the super was, do you have a bit of a preference? I know it's a long while away, but between retiring towards age 65, 67 when the age pension kind of kicks in, or do you want to kind of retire as early as possible? Do you have a preference between the two?","start_word":1588,"end_word":1674,"sentiment":"neutral","sentiment_score":0.07494155608717053},{"text":"Not really.","start_word":1675,"end_word":1676,"sentiment":"negative","sentiment_score":-0.3348850905895233},{"text":"I haven't really thought about it. Yeah. But I guess, we're obviously going to first grow your super as much as we can. As you get close to retirement, we can kind of talk through how long it's gonna last and when a good time to be to protect it and Yeah. also to access it. So for now, I'll just focus on the growth side.","start_word":1677,"end_word":1742,"sentiment":"neutral","sentiment_score":0.12902390956878662},{"text":"Yep. Perfect.","start_word":1743,"end_word":1744,"sentiment":"positive","sentiment_score":0.5289207696914673},{"text":"Is there anything else on the cards for you in the next three to five years goals wise that we haven't already talked about? No. Okay. So it's really just fix up the house, maybe a bit of holidays, pay off that mortgage. Are you the type of person, Lauren, to look into investing one day, or are you just happy to have that stable Yeah. I really don't wanna invest. base? That's totally fair. I was looking at your beneficiary nominations. There was a note here that you don't really wanna put in place a beneficiary nomination at this point. Probably just sort out, like, a will and a power of attorney. Did you want me to add anybody on there for the sofa? Nothing is right at the moment. Okay. If at any point you put in place a will and you want your super to go to your mother, for example, you can actually direct your super towards the will as well. So if you go to do that, whether it's through a solicitor like a courthouse, public trustee of the state, or even a will kit for 25 pucks at the post office, if you do wanna include the super in that, we can fix up a nomination to go in that direction too. So just gonna let us know. Yep. K. Last two things for me. You've got a Neos income protection and no life and disability insurance. There's a note here that it's not really that important for you at the moment, mainly just the income protection. Is that Yeah. right? K. We've got 1,441 per year.","start_word":1745,"end_word":2017,"sentiment":"neutral","sentiment_score":0.025155405558290937},{"text":"It comes out with a expensive.","start_word":2018,"end_word":2023,"sentiment":"negative","sentiment_score":-0.45009422302246094},{"text":"We've got a four week waiting period. So if you're out of work for a month, it'll kick in monthly, and we'll pay you up to five years. Now the one question I have for you, Lauren, is your cover amount, 4,499 a month. So call it $4,500 a month you would get if you're off work. Yep. You've got one of those really good 75% policies that just stopped. The government kind of banned it in October 2021, and you got this in place in September, which is great. But it's a little bit below what you could be insured for. So Yeah. if you base it on your total income, you could have a maximum cover amount of about 5,500 a month. You've got 4,500 a month. My question really is if you're off work for three months, would you be able to survive on that kind of thousand dollars a week? Do you want me to look at a bit of an increased quote? What's your preference? Like, living expenses, yes. But factoring in my mortgage into that, It probably wouldn't cost too much to bump it probably up a little bit. I'm thinking if it goes from not. 4,500 to 5,500, it may only go up a couple $100 a year. Do you want me to get a bit of an alteration quote with Niels and just run you through that when I go through the portfolio update? Probably leave it for now. I think something we can revisit maybe at the next review. Yeah. No worries at all. I'll put a note down that we'll leave that there, and I'll just put some context in that this is covering base expenses, and we may look at it in twelve months. Yep. Alrighty. So outside of giving the old portfolio a freshen up, which will pop up you a couple of weeks with updated plan, is there anything on your end? Any questions for me? No. Okay. In that pack that's been sent through to you, just to let you know all the documents that are there, it comes through with, like, email attachments and then also that digital authorization link. So the attachments include your certificate of currency for the insurances, your portfolio performance, an updated financial services guide from us with all of our licensing details and so on. And then inside the authorization, there are two important documents. There's a service agreement, but also a tax file number declaration. Now Nope. with the tax file number, because of all of the cybersecurity issues of last year, We're trying to remove where we hold that number from all digital systems and just put it on the one document. So I just wanted to double check if you're okay to consent to that. No. Yep. Okay. With the service agreement, are you still comfortable for us to look after your super for the next year? Yep. K. With the fees themselves, so we always give an estimate going forward for twelve months including a bit of super growth in there, but it's basically the usual 1.65% that's split into little monthly payments throughout the year. It's not like a lock in contract, but it is a twelve month consent to be listed as advisers so we can still liaise with Pub twenty four and the insurance companies and so on. Do you have any questions on that? No. Cool. So if you're okay to hop on there when you've got a minute and give that a sign for us. If you have any questions on how that works, if you can draw your signature, that would be better for the providers, but it usually stands on a signature as well. Once we get that back, the team will pretty much be finished their research and updated advice document with me. Okay. Okay.","start_word":2024,"end_word":2670,"sentiment":"neutral","sentiment_score":0.00878268660807628},{"text":"Now I appreciate you taking the time this morning. That was a nice and easy review. Only a couple of little things to fix up. Any last questions for me before I let you go and enjoy your your week?","start_word":2671,"end_word":2710,"sentiment":"positive","sentiment_score":0.5241318345069885},{"text":"No.","start_word":2711,"end_word":2711,"sentiment":"neutral","sentiment_score":-0.06447755545377731},{"text":"Awesome, Thank you so much for your time today. Keep an eye out for our calls.","start_word":2712,"end_word":2727,"sentiment":"positive","sentiment_score":0.7101279497146606},{"text":"If we miss you, we'll just send you a text and email. Yep.","start_word":2728,"end_word":2740,"sentiment":"neutral","sentiment_score":0.2825697064399719},{"text":"No worries. Have a fantastic day. Thank you so much.","start_word":2741,"end_word":2750,"sentiment":"positive","sentiment_score":0.699237585067749},{"text":"Okay. Bye. Bye.","start_word":2751,"end_word":2753,"sentiment":"neutral","sentiment_score":0.2215121388435364}],"average":{"sentiment":"neutral","sentiment_score":0.07540521187275454}}}}