{"metadata":{"transaction_key":"deprecated","request_id":"019e6d82-6c71-7353-b05f-05d561033532","sha256":"eecfe27a9b46fe82bba9b60a718fe288d2cdb82e6e65dfc208f3b437a4b64b02","created":"2026-05-28T07:35:28.495Z","duration":1884.3119,"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":6720,"output_tokens":116},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7462,"output_tokens":7476},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7462,"output_tokens":840}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Shannon. It's Tommy here, senior adviser from. How are you doing? Fantastic. Living the dream so far. I'm just giving you a call to go through your annual review, sir. Perfect. Have you got a bit of twenty minutes or so for me? Perfect. Perfect. So I've got a bit of an annual review pack that I'm gonna get sent through to your email address. I'm just gonna go through a quick security check with you, and then we can jump into it together. I'll update a few details, and we'll kind of see if we need to update any of the strategies, if that's alright. Fantastic. So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Perfect. And are you okay for the call to be recorded? Perfect. So I've got your Hotmail address there. I'm gonna pop this pack through to you now. Do you want me to just kinda walk you through the documents that are coming through, or are you okay to kind of look onto a few of them with me? Yep. Awesome. So what's coming through now is a bit of an updated performance report. We've got a summary of both accounts and the insurances. We've got an updated financial services guide, the license details and so on, and the service agreement as well. And is there anything in particular that you're hoping to get out of this year's review that I can focus on for you? Yep. Just a bit of a general update on the super performance. And just while that's coming through to you now, it's through our new system that we built, so it should come through to your main inbox pretty quickly. Perfect. Now while I've got the details open in front of me there, so no change in address or phone number, email address. We had you at the last review as a production manager on about 118,000. Is that still correct? Yep. I think you were putting aside around about $2.50 a week, and the main goal that I have listed down is basically investing in property. You were kind of building a home at the time. Is that correct? Yep. So I'm just gonna quickly double check that with you because what I've got for assets so far is your main residence and two cars. Do you now have that second property? Okay. Perfect. So is there kind of a, excuse me, a bit of a land being built onto the side, or were you just constructing on your main property? Yep. Totally fair. And have you looked at all the budget changes and all that stuff that's been going on about the negative gearing capital gain? Yeah. Good fun, mate. If you want any information on it, I know they're kind of whittling down the options a little bit, but if there's anything we can do to help, just let us know. Perfect. Just double check a couple of details. So we still had you married at the time with two dependent children. Is that right? Awesome. Alrighty. Now if you can grab open that email for me, you should see a summary of Subaru Insurance is the main one I wanna focus on. No. Don't hit that button. So at the bottom, there's attachments just like standard PDF attachments like any other email. Yep. It's the super and insurance summary. Perfect. Just let me know when you can see all that there. It should have your Netwealthy Colonial and the attached insurances listed on this. No worries at all. Perfect. Perfect. So what I'm basically looking at today is we've got the Netwealth super hundred '63, hundred and sixty four thousand. It's obviously bouncing around quite frequently. Colonial sort of jumped up a little bit since the last time we checked. And you've got the life of TPD, the income protection, which was through CommonSure attached through the Colonial account. Does all that ring a bell? Beautiful. Mate, have you been logging into your server to see how it's been going the last six months? No. Yeah. No. Basically, it's it's been flat for the year. What ended up happening was as soon as February, March hit, all the stocks went down, and then it bounced back a little bit the last couple of months, actually pretty quickly. But you're basically still sitting at about similar balance to you were twelve months ago after all the growth from the previous years as well. So couple of things I wanted to broach with you today, actually three things in particular. First one is I'm looking at your Netwealth performance report. Do you mind opening that document up for me as well? Because I wanna just break it down a little bit for you. Yep. That's the one. You should see a lovely blue table smattered with about 50 different numbers and figures all over. So left hand side is the different investment options. Right hand side is the percentage returns. So, basically, wind back one step, we're in a pretty high growth portfolio. Most of your super across both accounts is all in growth assets. There's property gold, all that kind of thing. You have nothing in defensive assets except for the minimum cash that you're required to hold. Does that make sense? Yep. Actually, across the board, pretty strong performance from pretty much every single option except for one. So the gold's still up quite a bit. All of the international shares across the different sectors are up double digits, except the old cybersecurity is only up 5%, but that's kind of like a way for the AI thing to kick in before people start buying into that. But the one that's dragged it down the most is that can you see in the middle under Australian equity, Benelon Australian Equities Fund? Yep. So that's the one that dropped the most, 17% drop there. That was a pretty big chunk of the silver. That's your Australian shares. Do you remember getting in March an email from us called a record of advice or an ROA? So, basically, what happens was most of the time when we do a review, I go through the portfolio, see if I need to update any options, that kind of thing, and we would send you, like, an updated statement of advice to get you to sign off on the changes. In this one particular case, this Benelon option started shooting down a lot quicker than all the other Australian shares options that are out there. So we made a decision across the entire client base at a life level to replace that one for all clients straight away. And we basically sold that one off and moved you into the one that's underneath it, which is the beta shares 200 ETF, if you can see that there. So that's only been running since March, so it has picked up a couple of percent, which is good. But, basically, what that's done is you've switched from an active option to a passive option with a lot lower fees. Going from about 1% fee to about 0.2, and the performance on that miles better over the last one, three, five years. So the first question I had for you was, are you generally okay with that kind of high growth risk level still in terms of goes up ten, twenty, 40%, market crashes, it goes down, and just keep on buying into the market long term to get the high returns? Is that an idea that you're still comfortable with? Yep. So generally speaking, if it depends on the retirement goal. Right? If you're trying to retire earlier with a higher balance, you've got to kind of grow up fast enough to have enough there to retire on. But you don't wanna be sitting there in a high risk level, and you're 64 and the market wipes throughout just before you ever retire. So it depends on, I guess, like, time frames and the retirement goal. So for you, you still got a pretty good time frame behind you. Basically, are you looking to, you know, retire as early as possible at 60 when you can access this so far? A goal a little bit slow and steady towards 67. Where do you kinda lean between the two? Like, win the lotto tomorrow, out of work sort of thing? That's the one. Look. Funnily enough, that question over my twelve years is at a fifty fifty answer where half the country says if I won the lotto, I'm out of the rat race, and the other half says I would know what to do with myself. I always wanna be doing something even if it's part time. So I kind of use that as a bit of a gauge, but it is only enough fifty fifty. Now high growth is great for that. So, basically, what the plan is with all these passive ETFs that we've got you in is it's pretty much buy regularly for the next, say, ten to fourteen years, get the really high returns. And then in the last six to nine years, we slowly reduce your asset allocation from a 100% growth asset, ninety, eighty, seventy, sixty, fifty, forty, and there's your pension account from the '60. K. So that's the general idea that gets you the kind of best outcome because you've got 6 figure income with good contributions, got best investments long term. But then at some point, once you've got that million dollars, we then start to protect it. K? Now what my advice would be at the moment, the the the other two things I want to brag with you, is when I look at the portfolio with that one option being switched out, overall, it looks really good. So that one thing kind of weighing you down recently, that's kind of been resolved. And when I look across all the options, there's nothing that really concerns me or I think it's like a an alarm bell to switch at this point. Pretty much. Yeah. That's right. Basically, these things take a couple of months to happen. So as that thing is happening, we flag it as a team, goes to our investment committee. They go under the hood and go, is this something that's likely to bounce back like normal? And only twice in my entire career have we ever looked at an option and gone, it's not gonna bounce back. And that's because the bed along fund is actually at a point they're probably gonna wind up and close down in the next year or two. Most of the time, I just go look buy in, buy the dip, let the market go down, buy some more shares and property for a cheaper price. When you go up, you get a 30% return, everybody's happy. But every now and then you go, it's not doing what it should be doing. K? Now outside of that, though, the other two questions I wanted to broach with you is I like the portfolio. Do you want me to look at any like, you've been in Netwealth for for almost six years now with O. Q. Financial. Do you want me to look at any other super funds to try and find some with some low fees and switch around with a similar portfolio, or you're happy to kind of let this one kind of do its thing? So there's a competitor to them, which has come up really strong recently I wanna consider for you. And, basically, they've got the same amount of investment options, but they're just a bit better on the administration fees for holding the account. So basically, what I would do, if you're okay, is just do a bit of a comparison, see if it's actually enough of a benefit to go through the admin to jump across, and see if there's anything else I can fix up on the portfolio if you're comfortable with me doing that. Yep. Okay. No. That's fine. And, look, there's nothing wrong with the the platform of Netwealth. The feed is still competitive. The investment menu is still, you know, top five in the country. It's just like if I wanna try and find the the extra 1% for you, I can go away and do that. Cool. When when it comes to the Colonial account, so the usual strategy with this situation is you've got your insurance is sitting over there. We usually like to maintain about 10,000 to keep the the insurance in force and then move funds across to invest into your your main funds. Are you still okay with that idea for me to do a, like, a bit of a comparison between the two and look at a bit of a sweep across? Yeah. Yeah. We can basically go through and look at I do need a little bit of research on your client, actually. But besides, once I've got the authority fixed up, I can break down the account, and we've got all the research tools to go under the hood and look at both funds side by side. Yeah. And I've got to give you a bit of a a dual comparison there because I can look back and go, this is the twelve months, but I'm also forward looking and saying which one's looking good going forward in terms of, you know, the switch that we just made a month until we got. Cool. I'll do that comparison there. I was just having a look at our new system because I'm trying to make sure the data's accurate since it's come across. Basically, there was a bit of an issue with a spelling error on an email address for an authority for us to contact them. And there was a note there that you were gonna call Colonial just to update the email address so it could match. Does that ring a bell from, like, the last twelve months or so? Could it even been earlier? That's okay. If you're okay with that, I'll get the team to kind of go through the authority so we can get a rundown and access to the account again just because it's one of the things that you've got to refresh every now and then. Cool. In terms of the insurances, though, really fantastic policy that they've got you in from CommonSure. I don't know if you remember the news articles that came out about CommonSure back in the day. Yeah. There was that huge scandal, and I ended up kind of winding down as an insurance company. But what's happened is they've kind of grandfathered your policy across, and it's actually really good. It's like $800 a year. You've got just under half a mil of life and CPD insurance for disability, and your income protection, they've been slowly increasing it with inflation to try and keep up with that. Thirty day waiting period, three year benefits. So if you're out of work for a month, kicks in monthly $8, and that'll keep going for up to two years if you're sick or injured for that long per injury. Now, basically, what I'm saying is that for that price for those three policies of cover, that's top 2% in the insurance space at the moment. So I definitely wanna keep that going as long as it's an appropriate level of cover. Let me just quickly check this because like I said, it has increased. $8,000 a month, and they usually cover you for 75% for an old policy before 2021. So it's protecting you for an income of a 133,000. Now that gives you a bit of a buffer, but let's say you give them twelve months of financials when you claim, and they go, oh, you've only earned a 118. They'll pay you 75% on that amount, and you would have paid a tiny bit extra for something that you couldn't have claimed on, if that makes sense. So it's a very affordable way to have a buffer. So when your income increases, your insurance has already kept up with it without the premium skyrocketing. But I just wanna make you aware that if you go through a claim, the payment might not be exactly the same. Yeah. Up into the maximum of, again, 130 3,000. Yep. What about the life in CPD? So that 400,000 plus your super, the last time we checked your liability, your mortgage was about $6.90. So that's pretty much cleared by the insurance combined with the super at the moment to leave the family essentially debt free. Is that kind of your aim for that type of cover? Perfect. And I'm assuming you still wanna make sure that your partner's listed as beneficiary for the life insurance and the both super accounts? So I'll double check those just to make sure nothing's clicked off like a latching nomination or anything. And, basically, what I wanna do is I'll do that, update a comparison for you. We'll compare the Netwealth and the Colonial, see if we need to change anything and the recommendations. I'll include any info about the estate planning if I need to, and I'll factor in the premiums for the insurances and so on. Alrighty. Mate, two more questions for you, but do you have any questions so far? K. Just in terms of estate planning, did you end up putting in place a will and power of attorney? Yeah. K. And, like, a will for where the house goes and cars and cash and all that kind of thing? No. That's fine. If it does help and if you do feel it's important, obviously, people go to lawyers for will, but there's also public trustees of every state that do appointments like the courthouse. And even the post office has government approved will kits for, like, 20 plus bucks. So if that kind of helps a little bit. Yeah. Draft it yourself. Get it witnessed and signed by, you know, JP's and witnesses and everything. And they're they're legal approved. That's why they kind of supply through AusPost. Yeah. They're not the fanciest thing, but if it's just for a half car and cash. Absolutely. If you have any questions on that anytime, I just let me know. But I just thought I'd give you a couple options there if that helps. Alrighty. So I'll get the team to kind of reach out for that research on Colonial. As soon as I've got that down, I'll do the comparisons and put the updated statement of advice together for you. Now just given the time that it takes them to, a, update the email address if they need to, approve the authority, do the research, put the plan together, I'm pretty much gonna be contacting well, the team will be in touch with you over the next few weeks a couple of times, and then we'll be probably speaking just before the end of financial year to go through the updated plan. Cool. Included in there as well in that email I've sent you, that sign button that you saw at the top, that's for the service agreement and tax file number opt in there as well. So if you're still happy with the service, we still charge the 1.65%. Spread that out over the twelve months into the little repayments, 15 percent tax rebate, the super fund claims. But other than that, are we touching on it again when we do the updated plan just to make sure you're actually happy with what I'm proposing and can give you consent then as well. Cool. Any questions for me so far, mate? Yep. Yeah. So the way the the professionals work, so overview financial, we're financial advisers. We kind of sit in the middle of your financial travel agent. Right? Go with this airline. Go with the tickets for the extra baggage. Here's the product. This is what you're trying to get to in terms of goals. You've got mortgage brokers who specialize in getting the loans. You've got buyers' agents who specialize in finding a property. And then the advisers, we go through the strategies, projections, and also just the general education as well. So have you ever gone through any kind of lending besides just when you first bought the property? K. I won't kind of info dump at you right now, but the the main thing to to remember is have you heard of the concept of LVR before? K. So that's essentially loan to value ratio. So when the bank does the lending, they go, how much debt are we talking about or how much assets that are being put up as security? So I've got the previous value at 1,500,000. I was gonna do a bit of an update online just to see if that's jumped up a little bit, but do you know what the value might be right now? Yes. Yep. Perfect. So let's go conservative one point a. When you go more debt than 80% of your property value, they hit you with LMI, which is lenders mortgage insurance, which is essentially just an extra huge fee, which on your property value could be upwards of 25 to 50,000 that gets tacked onto the loan if you take on that much debt. If you go below 80%, you get the better interest rates and you get to avoid that huge fee, which essentially means you don't wanna go over about 1,400,000 worth of debt for the property values. Now if you're owing, let's say, $6.90 and you've got another 700,000 of equity sitting there that you can use, You can use a few 100,000 of that as a deposit for the next place, and the next place is probably gonna be fully, like, full debt. So I'll give you an example just briefly with with my property. So I bought this place in probably the, you know, worst street, worst suburb as a starter home many years ago, and it went from 340,000 up to 800,000. So we have that debt of a couple of $100. We released a couple of 100,000 of equity to go buy another place in North Queensland, and that was about 600,000. So what we ended up with was our original mortgage sitting on the house, the deposit loan also sitting on the house, but that is an investment loan because it's for investment purposes. And then all of the debt on the investment property. So three loans, original mortgage, the deposit, and the investment loan. Does that make sense so far? Yep. So then, basically, what that means is that my repayments for my home, if I used it for the deposit, they've jumped up a little bit because I've increased my debt to finance the next place. So that went up another 150 a week, so I had to factor that into the budget. And then on the second hand, the rent that I'm getting from the investment property, does that cover the loan on that investment property that it's k? The last thing I wanna say is a good kind of rule of thumb is let's say you buy a, let's just say, use an investment property for $800,000 as an example. If you use the $200,000 deposit from your main home and you now owe 600,000 on the investment property, you kind of wanna be getting at least $800 a week in rent. So 800,000, 800 a week, 900,900 a week. What that basically does, it means you're getting a 5% rental return on the value of the whole property. And because the loan is only 600,000 on that side, the 800 a week should be able to cover the loan, the agent's fees, the insurances, and so on. For that deposit. Yep. Exactly right. The other thing is obviously consider things like like repairs, vacancy, and all that kind of thing. So anything above that 800,800 a week, that pushes you more into the positively geared. If you're getting below that, you're gonna be hitting negative gearing. And unless it's a new property because of the new changes that are gonna come through, you're not gonna be able to claim it on your tax. So newly built or one that you build, that's great. But then just, you know, double check with your accountant about what that's gonna look like while it's being built. But generally speaking, if you can get that amount of rent for that amount of property and keep it either just negatively geared, then you don't have to put too much of a bill, or positively geared, you should be okay. Anything worse than that, you're gonna give yourself a lot of grief for about three to five years before it does anything. K? So I've kind of just dumped about six things at you on one go, but I just wanted to give you that idea of you go to the lenders in the bank or the broker, you figure out your 80%, find the property, what does it rent for, have a bit of a calculation on how negatively or positively geared it might be, and what that might do to your your family budget to borrow to get that. Okay? Now outside of that, if you ever need a broker, buyer's agent, whatever you need, like, we've obviously got a network of people across the country, just let me know and I can get you a referral. If you've already got someone, happy with that. Cool. Any questions on that? Sensational. So, Janet, mate, if you're okay for the team to reach out over the next couple of weeks just to get that colonial research fixed up for me, I will pretty much be speaking to you end of June, and I'll kind of let you know what the recommendations are from there. Awesome. Have a fantastic day. If you have any trouble with that digital email, just call through and the team can walk you through it. No worries at all, mate. I'll talk to you again soon. Thanks. Bye.","confidence":0.9970703,"words":[{"word":"good","start":3.12,"end":3.4399998,"confidence":1.0,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.3406645655632019},{"word":"afternoon","start":3.4399998,"end":3.9199998,"confidence":0.9975586,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.2686523497104645},{"word":"shannon","start":3.9199998,"end":4.24,"confidence":0.7780762,"punctuated_word":"Shannon.","sentiment":"neutral","sentiment_score":0.2544311285018921},{"word":"it's","start":4.24,"end":4.48,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.24919995665550232},{"word":"tommy","start":4.48,"end":4.7999997,"confidence":0.9760742,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.13534614443778992},{"word":"here","start":4.7999997,"end":5.12,"confidence":0.9604492,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.16158172488212583},{"word":"senior","start":5.12,"end":5.52,"confidence":0.97265625,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.15040281414985657},{"word":"adviser","start":5.52,"end":5.92,"confidence":0.7841797,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.19743795692920685},{"word":"from","start":5.92,"end":6.3999996,"confidence":0.43017578,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.15422070026397705},{"word":"how","start":6.3999996,"end":6.64,"confidence":0.9838867,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1917504370212555},{"word":"are","start":6.64,"end":6.72,"confidence":0.6699219,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18197140097618103},{"word":"you","start":6.72,"end":6.7999997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17906829714775083},{"word":"doing","start":6.7999997,"end":7.2999997,"confidence":1.0,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.18577751517295835},{"word":"fantastic","start":9.5199995,"end":10.0199995,"confidence":0.9946289,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.819083571434021},{"word":"living","start":10.24,"end":10.48,"confidence":0.99609375,"punctuated_word":"Living","sentiment":"positive","sentiment_score":0.7252316474914551},{"word":"the","start":10.48,"end":10.639999,"confidence":0.875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7577754259109497},{"word":"dream","start":10.639999,"end":10.96,"confidence":0.9790039,"punctuated_word":"dream","sentiment":"positive","sentiment_score":0.7100569009780884},{"word":"so","start":10.96,"end":11.2,"confidence":0.99316406,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7160051465034485},{"word":"far","start":11.2,"end":11.5199995,"confidence":0.9970703,"punctuated_word":"far.","sentiment":"positive","sentiment_score":0.723365068435669},{"word":"i'm","start":11.5199995,"end":11.92,"confidence":0.95092773,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.3258030414581299},{"word":"just","start":11.92,"end":12.08,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2729722559452057},{"word":"giving","start":12.08,"end":12.4,"confidence":0.9892578,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.22606733441352844},{"word":"you","start":12.4,"end":12.48,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19693145155906677},{"word":"a","start":12.48,"end":12.559999,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2216680943965912},{"word":"call","start":12.559999,"end":12.719999,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.2766517400741577},{"word":"to","start":12.719999,"end":12.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2717374563217163},{"word":"go","start":12.88,"end":13.04,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3035048842430115},{"word":"through","start":13.04,"end":13.2,"confidence":0.99902344,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3644639849662781},{"word":"your","start":13.2,"end":13.44,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4096183180809021},{"word":"annual","start":13.44,"end":13.679999,"confidence":0.9970703,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.3117404878139496},{"word":"review","start":13.679999,"end":14.0,"confidence":0.96655273,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.27819156646728516},{"word":"sir","start":14.0,"end":14.5,"confidence":0.99902344,"punctuated_word":"sir.","sentiment":"neutral","sentiment_score":0.237694188952446},{"word":"perfect","start":17.705,"end":18.025,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3668025732040405},{"word":"have","start":18.025,"end":18.265,"confidence":0.9980469,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.11948172003030776},{"word":"you","start":18.265,"end":18.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15181444585323334},{"word":"got","start":18.345,"end":18.425,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1340564638376236},{"word":"a","start":18.425,"end":18.505001,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15408232808113098},{"word":"bit","start":18.505001,"end":18.744999,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11571266502141953},{"word":"of","start":18.744999,"end":19.065,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0867920070886612},{"word":"twenty","start":19.065,"end":19.305,"confidence":0.9921875,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.10432544350624084},{"word":"minutes","start":19.305,"end":19.625,"confidence":1.0,"punctuated_word":"minutes","sentiment":"neutral","sentiment_score":0.16378214955329895},{"word":"or","start":19.625,"end":19.785,"confidence":0.97509766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14758996665477753},{"word":"so","start":19.785,"end":20.025,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18572989106178284},{"word":"for","start":20.025,"end":20.185,"confidence":0.9580078,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12952223420143127},{"word":"me","start":20.185,"end":20.685,"confidence":0.98999023,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.1617889404296875},{"word":"perfect","start":22.665,"end":23.064999,"confidence":0.98828125,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.575275182723999},{"word":"perfect","start":23.064999,"end":23.385,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4993709921836853},{"word":"so","start":23.385,"end":23.545,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24585439264774325},{"word":"i've","start":23.545,"end":23.705,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.26028957962989807},{"word":"got","start":23.705,"end":23.785,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.21131697297096252},{"word":"a","start":23.785,"end":23.865,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19100117683410645},{"word":"bit","start":23.865,"end":24.025,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16601938009262085},{"word":"of","start":24.025,"end":24.185,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.265618234872818},{"word":"an","start":24.185,"end":24.265,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2446034848690033},{"word":"annual","start":24.265,"end":24.585,"confidence":1.0,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.2389417439699173},{"word":"review","start":24.585,"end":24.825,"confidence":0.9873047,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2020714432001114},{"word":"pack","start":24.825,"end":24.985,"confidence":0.85498047,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.2995930016040802},{"word":"that","start":24.985,"end":25.145,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22205039858818057},{"word":"i'm","start":25.145,"end":25.305,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.21451479196548465},{"word":"gonna","start":25.305,"end":25.545,"confidence":0.84765625,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.24479474127292633},{"word":"get","start":25.545,"end":25.865,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24215419590473175},{"word":"sent","start":25.865,"end":26.185,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.2536417841911316},{"word":"through","start":26.185,"end":26.425,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2468524724245071},{"word":"to","start":26.425,"end":26.585,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3041425943374634},{"word":"your","start":26.585,"end":26.825,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.278489351272583},{"word":"email","start":26.825,"end":27.145,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.30041563510894775},{"word":"address","start":27.145,"end":27.645,"confidence":0.9970703,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.21134379506111145},{"word":"i'm","start":28.43,"end":28.59,"confidence":0.9790039,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.19568383693695068},{"word":"just","start":28.59,"end":28.83,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19198627769947052},{"word":"gonna","start":28.83,"end":29.070002,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.18404191732406616},{"word":"go","start":29.070002,"end":29.230001,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17863404750823977},{"word":"through","start":29.230001,"end":29.390001,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1888196766376495},{"word":"a","start":29.390001,"end":29.470001,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22952713072299957},{"word":"quick","start":29.470001,"end":29.79,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.239059716463089},{"word":"security","start":29.79,"end":30.19,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.15410152077674866},{"word":"check","start":30.19,"end":30.43,"confidence":0.9980469,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1966613382101059},{"word":"with","start":30.43,"end":30.59,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2158641517162323},{"word":"you","start":30.59,"end":30.75,"confidence":0.90722656,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.24415074288845065},{"word":"and","start":30.75,"end":30.91,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2079768180847168},{"word":"then","start":30.91,"end":31.07,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1928834617137909},{"word":"we","start":31.07,"end":31.230001,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19244447350502017},{"word":"can","start":31.230001,"end":31.390001,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24870482087135315},{"word":"jump","start":31.390001,"end":31.630001,"confidence":1.0,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.2503650486469269},{"word":"into","start":31.630001,"end":31.87,"confidence":0.97265625,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.25077104568481445},{"word":"it","start":31.87,"end":32.03,"confidence":0.9658203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2718360424041748},{"word":"together","start":32.03,"end":32.510002,"confidence":0.967041,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.21287934482097623},{"word":"i'll","start":32.510002,"end":32.75,"confidence":0.95874023,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15549921989440918},{"word":"update","start":32.75,"end":32.99,"confidence":0.9921875,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.11643584072589874},{"word":"a","start":32.99,"end":33.07,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15624533593654633},{"word":"few","start":33.07,"end":33.39,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.11795931309461594},{"word":"details","start":33.39,"end":33.79,"confidence":0.9550781,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.14027486741542816},{"word":"and","start":33.79,"end":33.95,"confidence":0.9091797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15779255330562592},{"word":"we'll","start":33.95,"end":34.190002,"confidence":0.9975586,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.14124423265457153},{"word":"kind","start":34.190002,"end":34.350002,"confidence":0.64990234,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.19147661328315735},{"word":"of","start":34.350002,"end":34.43,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1647505909204483},{"word":"see","start":34.43,"end":34.670002,"confidence":0.9902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15560616552829742},{"word":"if","start":34.670002,"end":34.75,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15077850222587583},{"word":"we","start":34.75,"end":34.91,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13259054720401764},{"word":"need","start":34.91,"end":35.07,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1397785246372223},{"word":"to","start":35.07,"end":35.57,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13635849952697754},{"word":"update","start":35.71,"end":36.03,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09311288595199584},{"word":"any","start":36.03,"end":36.27,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15848401188850403},{"word":"of","start":36.27,"end":36.43,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14692652225494385},{"word":"the","start":36.43,"end":36.59,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13793911039829254},{"word":"strategies","start":36.59,"end":37.07,"confidence":0.763916,"punctuated_word":"strategies,","sentiment":"neutral","sentiment_score":0.11425144225358964},{"word":"if","start":37.07,"end":37.23,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14788994193077087},{"word":"that's","start":37.23,"end":37.47,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13657113909721377},{"word":"alright","start":37.47,"end":37.97,"confidence":0.9140625,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.14064490795135498},{"word":"fantastic","start":40.445,"end":40.945,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.509909987449646},{"word":"so","start":41.085,"end":41.585,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12463628500699996},{"word":"i'm","start":42.364998,"end":42.524998,"confidence":0.87231445,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10607899725437164},{"word":"registered","start":42.524998,"end":42.925,"confidence":0.96533203,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.12235979735851288},{"word":"with","start":42.925,"end":43.085,"confidence":0.8588867,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12310031056404114},{"word":"asic","start":43.085,"end":43.405,"confidence":0.21069336,"punctuated_word":"ASIC","sentiment":"neutral","sentiment_score":0.12213827669620514},{"word":"as","start":43.405,"end":43.565,"confidence":0.8510742,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13029155135154724},{"word":"adviser","start":43.565,"end":43.964996,"confidence":0.78027344,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.13155299425125122},{"word":"1273105","start":43.964996,"end":45.885,"confidence":0.96993583,"punctuated_word":"1273105.","sentiment":"neutral","sentiment_score":0.14947259426116943},{"word":"could","start":45.885,"end":46.125,"confidence":1.0,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":0.06133262440562248},{"word":"you","start":46.125,"end":46.284996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06522876024246216},{"word":"please","start":46.284996,"end":46.684998,"confidence":0.9921875,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.07185825705528259},{"word":"confirm","start":46.684998,"end":47.184998,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.07446721196174622},{"word":"your","start":47.245,"end":47.644997,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06436257064342499},{"word":"date","start":47.644997,"end":47.885,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.0818142220377922},{"word":"of","start":47.885,"end":48.045,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09865400195121764},{"word":"birth","start":48.045,"end":48.284996,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.07502379268407822},{"word":"and","start":48.284996,"end":48.445,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07762003690004349},{"word":"address","start":48.445,"end":48.945,"confidence":0.99902344,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.07064534723758698},{"word":"perfect","start":56.100002,"end":56.420002,"confidence":0.9458008,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2263357937335968},{"word":"and","start":56.420002,"end":56.66,"confidence":0.93603516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06435015052556992},{"word":"are","start":56.66,"end":56.74,"confidence":0.95166016,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.031929582357406616},{"word":"you","start":56.74,"end":56.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0605984628200531},{"word":"okay","start":56.9,"end":57.14,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.05343998968601227},{"word":"for","start":57.14,"end":57.22,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.053361840546131134},{"word":"the","start":57.22,"end":57.38,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06716743856668472},{"word":"call","start":57.38,"end":57.62,"confidence":0.5751953,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.044250763952732086},{"word":"to","start":57.62,"end":57.7,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02340308763086796},{"word":"be","start":57.7,"end":57.86,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03348139300942421},{"word":"recorded","start":57.86,"end":58.36,"confidence":0.9995117,"punctuated_word":"recorded?","sentiment":"neutral","sentiment_score":0.05651795119047165},{"word":"perfect","start":60.58,"end":60.9,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32889240980148315},{"word":"so","start":60.9,"end":61.14,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15818707644939425},{"word":"i've","start":61.14,"end":61.22,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1483491063117981},{"word":"got","start":61.22,"end":61.38,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14579765498638153},{"word":"your","start":61.38,"end":61.54,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12112541496753693},{"word":"hotmail","start":61.54,"end":62.02,"confidence":0.9399414,"punctuated_word":"Hotmail","sentiment":"neutral","sentiment_score":0.12308362871408464},{"word":"address","start":62.02,"end":62.34,"confidence":0.9980469,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.10961849987506866},{"word":"there","start":62.34,"end":62.84,"confidence":0.99121094,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16778506338596344},{"word":"i'm","start":62.98,"end":63.14,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1761565059423447},{"word":"gonna","start":63.14,"end":63.54,"confidence":0.97802734,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17758044600486755},{"word":"pop","start":63.54,"end":63.86,"confidence":0.9873047,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.23995618522167209},{"word":"this","start":63.86,"end":64.1,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21785880625247955},{"word":"pack","start":64.1,"end":64.42,"confidence":0.7163086,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.15364666283130646},{"word":"through","start":64.42,"end":64.66,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1999242603778839},{"word":"to","start":64.66,"end":64.82,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20078112185001373},{"word":"you","start":64.82,"end":65.06,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16890959441661835},{"word":"now","start":65.06,"end":65.56,"confidence":0.99560547,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1448310762643814},{"word":"do","start":65.7,"end":65.86,"confidence":0.7993164,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.019337782636284828},{"word":"you","start":65.86,"end":65.94,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03303255885839462},{"word":"want","start":65.94,"end":66.1,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.02472137287259102},{"word":"me","start":66.1,"end":66.18,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03222555294632912},{"word":"to","start":66.18,"end":66.26,"confidence":0.94921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.044218309223651886},{"word":"just","start":66.26,"end":66.42,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04409419372677803},{"word":"kinda","start":66.42,"end":66.66,"confidence":0.52246094,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.06221168488264084},{"word":"walk","start":66.66,"end":66.9,"confidence":0.99902344,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.08069872856140137},{"word":"you","start":66.9,"end":67.06,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.052974771708250046},{"word":"through","start":67.06,"end":67.22,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0894346684217453},{"word":"the","start":67.22,"end":67.3,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0631619542837143},{"word":"documents","start":67.3,"end":67.7,"confidence":0.99609375,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.052195481956005096},{"word":"that","start":67.7,"end":67.94,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04344985634088516},{"word":"are","start":67.94,"end":68.020004,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.045885540544986725},{"word":"coming","start":68.020004,"end":68.445,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.04570391029119491},{"word":"through","start":68.445,"end":68.685,"confidence":0.8112793,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.036900244653224945},{"word":"or","start":68.685,"end":68.845,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.015265285968780518},{"word":"are","start":68.845,"end":68.885,"confidence":0.8125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.013491522520780563},{"word":"you","start":68.885,"end":68.925,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0327964648604393},{"word":"okay","start":68.925,"end":69.325,"confidence":0.9819336,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.029999051243066788},{"word":"to","start":69.325,"end":69.405,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06184244900941849},{"word":"kind","start":69.405,"end":69.565,"confidence":0.66259766,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06307759881019592},{"word":"of","start":69.565,"end":69.645,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07257317006587982},{"word":"look","start":69.645,"end":69.805,"confidence":0.9614258,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04619952663779259},{"word":"onto","start":69.805,"end":70.125,"confidence":0.5839844,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.07519747316837311},{"word":"a","start":70.125,"end":70.205,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08399969339370728},{"word":"few","start":70.205,"end":70.365,"confidence":0.9892578,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.07198873162269592},{"word":"of","start":70.365,"end":70.525,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07258280366659164},{"word":"them","start":70.525,"end":70.685,"confidence":0.9873047,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.07902821898460388},{"word":"with","start":70.685,"end":70.845,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04396352171897888},{"word":"me","start":70.845,"end":71.345,"confidence":0.99853516,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.04724714905023575},{"word":"yep","start":76.925,"end":77.245,"confidence":0.81152344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1171460971236229},{"word":"awesome","start":77.245,"end":77.745,"confidence":1.0,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.2347161769866943},{"word":"so","start":77.885,"end":78.045,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15857703983783722},{"word":"what's","start":78.045,"end":78.365,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.12996524572372437},{"word":"coming","start":78.365,"end":78.604996,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.13770990073680878},{"word":"through","start":78.604996,"end":78.845,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12874992191791534},{"word":"now","start":78.845,"end":79.165,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.12317759543657304},{"word":"is","start":79.165,"end":79.325,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1091705858707428},{"word":"a","start":79.325,"end":79.405,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1478298306465149},{"word":"bit","start":79.405,"end":79.565,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15792596340179443},{"word":"of","start":79.565,"end":79.645,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17569862306118011},{"word":"an","start":79.645,"end":79.805,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17852342128753662},{"word":"updated","start":79.805,"end":80.205,"confidence":0.8671875,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1502929925918579},{"word":"performance","start":80.205,"end":80.705,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.11252263188362122},{"word":"report","start":80.765,"end":81.265,"confidence":0.99609375,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.14310628175735474},{"word":"we've","start":81.45,"end":81.689995,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.1353634148836136},{"word":"got","start":81.689995,"end":81.85,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17005708813667297},{"word":"a","start":81.85,"end":81.93,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13412894308567047},{"word":"summary","start":81.93,"end":82.43,"confidence":1.0,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.13071177899837494},{"word":"of","start":82.49,"end":82.729996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14357663691043854},{"word":"both","start":82.729996,"end":83.13,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.16842442750930786},{"word":"accounts","start":83.13,"end":83.63,"confidence":0.9941406,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.13104350864887238},{"word":"and","start":83.689995,"end":83.93,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16033165156841278},{"word":"the","start":83.93,"end":84.09,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15274479985237122},{"word":"insurances","start":84.09,"end":84.59,"confidence":0.9947917,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.1260906457901001},{"word":"we've","start":85.28999,"end":85.61,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.13898493349552157},{"word":"got","start":85.61,"end":86.09,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1632687896490097},{"word":"an","start":86.09,"end":86.329994,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13427621126174927},{"word":"updated","start":86.329994,"end":86.729996,"confidence":0.8769531,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.09539537131786346},{"word":"financial","start":86.729996,"end":87.13,"confidence":0.921875,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.09569266438484192},{"word":"services","start":87.13,"end":87.53,"confidence":0.50683594,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.08747488260269165},{"word":"guide","start":87.53,"end":87.93,"confidence":0.78100586,"punctuated_word":"guide,","sentiment":"neutral","sentiment_score":0.12033619731664658},{"word":"the","start":87.93,"end":88.329994,"confidence":0.6616211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14161397516727448},{"word":"license","start":88.329994,"end":88.81,"confidence":0.9394531,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.11069809645414352},{"word":"details","start":88.81,"end":89.21,"confidence":0.9892578,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.11502978205680849},{"word":"and","start":89.21,"end":89.45,"confidence":0.85058594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1182362362742424},{"word":"so","start":89.45,"end":89.689995,"confidence":0.96240234,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16269421577453613},{"word":"on","start":89.689995,"end":90.189995,"confidence":0.8149414,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.13722902536392212},{"word":"and","start":90.409996,"end":90.57,"confidence":0.73876953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14566342532634735},{"word":"the","start":90.57,"end":90.81,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15018415451049805},{"word":"service","start":90.81,"end":91.13,"confidence":0.9980469,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.09382476657629012},{"word":"agreement","start":91.13,"end":91.61,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.13735637068748474},{"word":"as","start":91.61,"end":91.77,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17423081398010254},{"word":"well","start":91.77,"end":92.27,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13932934403419495},{"word":"and","start":94.585,"end":94.98499,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04067908972501755},{"word":"is","start":94.98499,"end":95.145,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0325741171836853},{"word":"there","start":95.145,"end":95.30499,"confidence":0.98291016,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0508154034614563},{"word":"anything","start":95.30499,"end":95.625,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.06545684486627579},{"word":"in","start":95.625,"end":95.865,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03475792333483696},{"word":"particular","start":95.865,"end":96.185,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.05071674659848213},{"word":"that","start":96.185,"end":96.34499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03930189460515976},{"word":"you're","start":96.34499,"end":96.585,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.054509010165929794},{"word":"hoping","start":96.585,"end":96.825,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.06770048290491104},{"word":"to","start":96.825,"end":96.905,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09405691921710968},{"word":"get","start":96.905,"end":96.98499,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10774514824151991},{"word":"out","start":96.98499,"end":97.145,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11643782258033752},{"word":"of","start":97.145,"end":97.30499,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09709078073501588},{"word":"this","start":97.30499,"end":97.465,"confidence":0.9741211,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10180781781673431},{"word":"year's","start":97.465,"end":97.704994,"confidence":0.9797363,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.10112130641937256},{"word":"review","start":97.704994,"end":98.024994,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.11051803827285768},{"word":"that","start":98.024994,"end":98.185,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0722251832485199},{"word":"i","start":98.185,"end":98.265,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08488978445529938},{"word":"can","start":98.265,"end":98.424995,"confidence":0.9589844,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06164638325572014},{"word":"focus","start":98.424995,"end":98.744995,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.06781177222728729},{"word":"on","start":98.744995,"end":98.98499,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09669207781553268},{"word":"for","start":98.98499,"end":99.145,"confidence":0.9536133,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08058073371648788},{"word":"you","start":99.145,"end":99.645,"confidence":0.9970703,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.05033574253320694},{"word":"yep","start":105.064995,"end":105.384995,"confidence":0.9663086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07415696233510971},{"word":"just","start":105.384995,"end":105.465,"confidence":0.80371094,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06520094722509384},{"word":"a","start":105.465,"end":105.545,"confidence":0.8701172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.059452179819345474},{"word":"bit","start":105.545,"end":105.704994,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06964021921157837},{"word":"of","start":105.704994,"end":105.784996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0686531811952591},{"word":"a","start":105.784996,"end":105.865,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0618315264582634},{"word":"general","start":105.865,"end":106.185,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.10675296187400818},{"word":"update","start":106.185,"end":106.424995,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0753779411315918},{"word":"on","start":106.424995,"end":106.585,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04696312174201012},{"word":"the","start":106.585,"end":106.744995,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07397322356700897},{"word":"super","start":106.744995,"end":106.905,"confidence":0.7480469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18832220137119293},{"word":"performance","start":106.905,"end":107.405,"confidence":0.9436035,"punctuated_word":"performance.","sentiment":"neutral","sentiment_score":0.0960700735449791},{"word":"and","start":109.229996,"end":109.47,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1526932269334793},{"word":"just","start":109.47,"end":109.79,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1428917646408081},{"word":"while","start":109.79,"end":110.03,"confidence":0.9970703,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.10517361760139464},{"word":"that's","start":110.03,"end":110.35,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.18601584434509277},{"word":"coming","start":110.35,"end":110.59,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.16965553164482117},{"word":"through","start":110.59,"end":110.829994,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15559138357639313},{"word":"to","start":110.829994,"end":110.909996,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15237727761268616},{"word":"you","start":110.909996,"end":110.99,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14158809185028076},{"word":"now","start":110.99,"end":111.31,"confidence":0.97680664,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.15734076499938965},{"word":"it's","start":111.31,"end":111.549995,"confidence":0.9572754,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24625013768672943},{"word":"through","start":111.549995,"end":111.71,"confidence":0.8911133,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2662181556224823},{"word":"our","start":111.71,"end":111.869995,"confidence":0.96435547,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.29193738102912903},{"word":"new","start":111.869995,"end":112.03,"confidence":0.9951172,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.2890695631504059},{"word":"system","start":112.03,"end":112.43,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.3306397795677185},{"word":"that","start":112.43,"end":112.59,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4246162474155426},{"word":"we","start":112.59,"end":112.75,"confidence":0.9707031,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.41905730962753296},{"word":"built","start":112.75,"end":113.07,"confidence":0.82055664,"punctuated_word":"built,","sentiment":"positive","sentiment_score":0.3722515106201172},{"word":"so","start":113.07,"end":113.229996,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3617555797100067},{"word":"it","start":113.229996,"end":113.47,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.48713529109954834},{"word":"should","start":113.47,"end":113.71,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.5035932660102844},{"word":"come","start":113.71,"end":113.869995,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.4104758501052856},{"word":"through","start":113.869995,"end":114.11,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3937479257583618},{"word":"to","start":114.11,"end":114.27,"confidence":0.984375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39203986525535583},{"word":"your","start":114.27,"end":114.35,"confidence":0.984375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43264040350914},{"word":"main","start":114.35,"end":114.67,"confidence":0.9980469,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.3240339457988739},{"word":"inbox","start":114.67,"end":114.99,"confidence":0.99609375,"punctuated_word":"inbox","sentiment":"neutral","sentiment_score":0.24081973731517792},{"word":"pretty","start":114.99,"end":115.229996,"confidence":0.90527344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.373206079006195},{"word":"quickly","start":115.229996,"end":115.729996,"confidence":0.84887695,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.20727813243865967},{"word":"perfect","start":127.145004,"end":127.645004,"confidence":0.92749023,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5677536129951477},{"word":"now","start":128.185,"end":128.66501,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2400522828102112},{"word":"while","start":128.66501,"end":128.905,"confidence":0.984375,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1933513581752777},{"word":"i've","start":128.905,"end":129.145,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.26158732175827026},{"word":"got","start":129.145,"end":129.645,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2905336320400238},{"word":"the","start":129.945,"end":130.185,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2085478901863098},{"word":"details","start":130.185,"end":130.585,"confidence":0.9951172,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.1272914707660675},{"word":"open","start":130.585,"end":130.905,"confidence":0.94921875,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.18600395321846008},{"word":"in","start":130.905,"end":130.985,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28795382380485535},{"word":"front","start":130.985,"end":131.225,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.2706281542778015},{"word":"of","start":131.225,"end":131.30501,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19094833731651303},{"word":"me","start":131.30501,"end":131.545,"confidence":0.98095703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17628563940525055},{"word":"there","start":131.545,"end":132.045,"confidence":0.9641113,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.18687953054904935},{"word":"so","start":132.265,"end":132.425,"confidence":0.7104492,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10870083421468736},{"word":"no","start":132.425,"end":132.745,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.02493616938591003},{"word":"change","start":132.745,"end":133.065,"confidence":0.98828125,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.1072581112384796},{"word":"in","start":133.065,"end":133.385,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04475922137498856},{"word":"address","start":133.385,"end":133.885,"confidence":0.96240234,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.040454890578985214},{"word":"or","start":134.025,"end":134.525,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07194966822862625},{"word":"phone","start":134.84,"end":135.08,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.07208465039730072},{"word":"number","start":135.08,"end":135.48,"confidence":0.9655762,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":-0.033072542399168015},{"word":"email","start":135.48,"end":135.79999,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.019291795790195465},{"word":"address","start":135.79999,"end":136.29999,"confidence":0.99609375,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.0729316771030426},{"word":"we","start":137.23999,"end":137.56,"confidence":0.77246094,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1008310765028},{"word":"had","start":137.56,"end":137.72,"confidence":0.99316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1300654262304306},{"word":"you","start":137.72,"end":137.95999,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10290060937404633},{"word":"at","start":137.95999,"end":138.04,"confidence":0.9589844,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12618552148342133},{"word":"the","start":138.04,"end":138.12,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14191851019859314},{"word":"last","start":138.12,"end":138.43999,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.10147790610790253},{"word":"review","start":138.43999,"end":138.93999,"confidence":0.9980469,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.08223208785057068},{"word":"as","start":139.0,"end":139.4,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05191954597830773},{"word":"a","start":139.4,"end":139.64,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0906151607632637},{"word":"production","start":139.64,"end":140.14,"confidence":0.99902344,"punctuated_word":"production","sentiment":"neutral","sentiment_score":0.029420197010040283},{"word":"manager","start":140.36,"end":140.76,"confidence":1.0,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.033777493983507156},{"word":"on","start":140.76,"end":141.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06925182789564133},{"word":"about","start":141.0,"end":141.23999,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.049280669540166855},{"word":"118,000","start":141.23999,"end":142.59999,"confidence":0.89931643,"punctuated_word":"118,000.","sentiment":"neutral","sentiment_score":0.06734262406826019},{"word":"is","start":142.59999,"end":142.76,"confidence":0.97314453,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.062240466475486755},{"word":"that","start":142.76,"end":142.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08961103856563568},{"word":"still","start":142.92,"end":143.15999,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04190772399306297},{"word":"correct","start":143.15999,"end":143.65999,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.07201503217220306},{"word":"yep","start":146.2,"end":146.7,"confidence":0.9848633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15733371675014496},{"word":"i","start":147.25499,"end":147.415,"confidence":0.96533203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12380686402320862},{"word":"think","start":147.415,"end":147.655,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09426653385162354},{"word":"you","start":147.655,"end":147.735,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11270656436681747},{"word":"were","start":147.735,"end":147.97499,"confidence":0.5576172,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0965413749217987},{"word":"putting","start":147.97499,"end":148.295,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.18036746978759768},{"word":"aside","start":148.295,"end":148.69499,"confidence":0.9741211,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.14758940041065216},{"word":"around","start":148.69499,"end":149.015,"confidence":0.8276367,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.12761667370796204},{"word":"about","start":149.015,"end":149.33499,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11062388122081757},{"word":"$2.50","start":149.33499,"end":149.81499,"confidence":0.99853516,"punctuated_word":"$2.50","sentiment":"neutral","sentiment_score":0.10238713026046752},{"word":"a","start":149.81499,"end":149.97499,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10311778634786606},{"word":"week","start":149.97499,"end":150.215,"confidence":0.8640137,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.10659149289131165},{"word":"and","start":150.215,"end":150.45499,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11789695173501968},{"word":"the","start":150.45499,"end":150.61499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16849467158317566},{"word":"main","start":150.61499,"end":150.855,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.2157650887966156},{"word":"goal","start":150.855,"end":151.095,"confidence":0.7109375,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.14101092517375946},{"word":"that","start":151.095,"end":151.25499,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24018150568008423},{"word":"i","start":151.25499,"end":151.415,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19443079829216003},{"word":"have","start":151.415,"end":151.575,"confidence":0.98535156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22640460729599},{"word":"listed","start":151.575,"end":152.055,"confidence":0.9819336,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.22829315066337583},{"word":"down","start":152.055,"end":152.555,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.24767589569091797},{"word":"is","start":152.69499,"end":152.935,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20224358141422272},{"word":"basically","start":152.935,"end":153.435,"confidence":0.92089844,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.24655026197433472},{"word":"investing","start":153.97499,"end":154.45499,"confidence":0.9453125,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.10937383770942688},{"word":"in","start":154.45499,"end":154.61499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14898180961608887},{"word":"property","start":154.61499,"end":155.11499,"confidence":0.9863281,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.12794528901576996},{"word":"you","start":155.33499,"end":155.495,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04257073625922203},{"word":"were","start":155.495,"end":155.655,"confidence":0.80566406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.04681053385138512},{"word":"kind","start":155.655,"end":155.81499,"confidence":0.9741211,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07326727360486984},{"word":"of","start":155.81499,"end":155.97499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10254715383052826},{"word":"building","start":155.97499,"end":156.295,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.09889736771583556},{"word":"a","start":156.295,"end":156.45499,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1071561872959137},{"word":"home","start":156.45499,"end":156.69499,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.07462288439273834},{"word":"at","start":156.69499,"end":156.775,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.030041880905628204},{"word":"the","start":156.775,"end":156.935,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06148228421807289},{"word":"time","start":156.935,"end":157.17499,"confidence":0.9975586,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.0678972452878952},{"word":"is","start":157.17499,"end":157.33499,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05937573313713074},{"word":"that","start":157.33499,"end":157.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06306524574756622},{"word":"correct","start":157.495,"end":157.995,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.062299665063619614},{"word":"yep","start":160.70999,"end":161.18999,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09846314042806624},{"word":"so","start":161.18999,"end":161.34999,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07197350263595581},{"word":"i'm","start":161.34999,"end":161.43,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08840194344520569},{"word":"just","start":161.43,"end":161.59,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08697032183408737},{"word":"gonna","start":161.59,"end":161.90999,"confidence":0.8886719,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08396902680397034},{"word":"quickly","start":161.90999,"end":162.23,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.0903189331293106},{"word":"double","start":162.23,"end":162.46999,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.04271778464317322},{"word":"check","start":162.46999,"end":162.62999,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.031050555408000943},{"word":"that","start":162.62999,"end":162.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.050042446702718735},{"word":"with","start":162.87,"end":162.95,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04789111018180847},{"word":"you","start":162.95,"end":163.10999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07252425700426102},{"word":"because","start":163.10999,"end":163.43,"confidence":0.875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05037471279501915},{"word":"what","start":163.43,"end":163.59,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03517933189868927},{"word":"i've","start":163.59,"end":163.75,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.043982308357954025},{"word":"got","start":163.75,"end":163.90999,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0383918397128582},{"word":"for","start":163.90999,"end":164.23,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03267648443579674},{"word":"assets","start":164.23,"end":164.70999,"confidence":0.7451172,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.01525573432445526},{"word":"so","start":164.70999,"end":164.87,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0273120254278183},{"word":"far","start":164.87,"end":165.37,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.01654932275414467},{"word":"is","start":165.59,"end":165.82999,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.023397520184516907},{"word":"your","start":165.82999,"end":166.06999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017975807189941406},{"word":"main","start":166.06999,"end":166.39,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.03071150928735733},{"word":"residence","start":166.39,"end":166.89,"confidence":0.95703125,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.03403570502996445},{"word":"and","start":166.95,"end":167.18999,"confidence":0.4663086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019272826611995697},{"word":"two","start":167.18999,"end":167.51,"confidence":0.5786133,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.016665950417518616},{"word":"cars","start":167.51,"end":168.01,"confidence":0.89697266,"punctuated_word":"cars.","sentiment":"neutral","sentiment_score":0.009901848621666431},{"word":"do","start":168.23,"end":168.39,"confidence":0.9375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.004580516368150711},{"word":"you","start":168.39,"end":168.46999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010383561253547668},{"word":"now","start":168.46999,"end":168.70999,"confidence":0.99609375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.00787029042840004},{"word":"have","start":168.70999,"end":168.95,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017235612496733665},{"word":"that","start":168.95,"end":169.26999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.013407371938228607},{"word":"second","start":169.26999,"end":169.67,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.021646644920110703},{"word":"property","start":169.67,"end":170.17,"confidence":0.9995117,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":-0.02074071206152439},{"word":"okay","start":173.92499,"end":174.325,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.01482885330915451},{"word":"perfect","start":174.325,"end":174.805,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.08919490873813629},{"word":"so","start":174.805,"end":175.305,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009431596845388412},{"word":"is","start":175.36499,"end":175.605,"confidence":0.9770508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015690352767705917},{"word":"there","start":175.605,"end":175.685,"confidence":0.72021484,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.005486059933900833},{"word":"kind","start":175.685,"end":175.92499,"confidence":0.7192383,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.001844741404056549},{"word":"of","start":175.92499,"end":176.08499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.001268770545721054},{"word":"a","start":176.08499,"end":176.58499,"confidence":0.87597656,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":-0.035329632461071014},{"word":"excuse","start":177.125,"end":177.525,"confidence":0.9160156,"punctuated_word":"excuse","sentiment":"neutral","sentiment_score":-0.059052322059869766},{"word":"me","start":177.525,"end":178.025,"confidence":0.99658203,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.05171000957489014},{"word":"a","start":178.245,"end":178.325,"confidence":0.62597656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04480798542499542},{"word":"bit","start":178.325,"end":178.405,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.032551806420087814},{"word":"of","start":178.405,"end":178.56499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05166582763195038},{"word":"a","start":178.56499,"end":178.64499,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0600886344909668},{"word":"land","start":178.64499,"end":178.885,"confidence":0.70410156,"punctuated_word":"land","sentiment":"neutral","sentiment_score":-0.050596803426742554},{"word":"being","start":178.885,"end":179.125,"confidence":0.9970703,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.04342392086982727},{"word":"built","start":179.125,"end":179.36499,"confidence":0.99902344,"punctuated_word":"built","sentiment":"neutral","sentiment_score":-0.052136003971099854},{"word":"onto","start":179.36499,"end":179.765,"confidence":0.64746094,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":-0.0344131663441658},{"word":"the","start":179.765,"end":180.00499,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03951723128557205},{"word":"side","start":180.00499,"end":180.48499,"confidence":0.79663086,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":-0.038180019706487656},{"word":"or","start":180.48499,"end":180.72499,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05941535532474518},{"word":"were","start":180.72499,"end":180.885,"confidence":0.94970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.055846862494945526},{"word":"you","start":180.885,"end":181.045,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05429817363619805},{"word":"just","start":181.045,"end":181.28499,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06110869348049164},{"word":"constructing","start":181.28499,"end":181.78499,"confidence":0.9970703,"punctuated_word":"constructing","sentiment":"neutral","sentiment_score":-0.05115513503551483},{"word":"on","start":181.84499,"end":182.00499,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06975618749856949},{"word":"your","start":182.00499,"end":182.165,"confidence":0.8432617,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06944385170936584},{"word":"main","start":182.165,"end":182.325,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.08201849460601807},{"word":"property","start":182.325,"end":182.825,"confidence":0.9995117,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":-0.04478133097290993},{"word":"yep","start":191.99,"end":192.49,"confidence":0.9765625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0019512444268912077},{"word":"totally","start":192.70999,"end":193.20999,"confidence":0.9526367,"punctuated_word":"Totally","sentiment":"neutral","sentiment_score":0.028371049091219906},{"word":"fair","start":193.27,"end":193.77,"confidence":0.9951172,"punctuated_word":"fair.","sentiment":"neutral","sentiment_score":0.015625450760126114},{"word":"and","start":194.06999,"end":194.47,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04447033256292343},{"word":"have","start":194.47,"end":194.63,"confidence":0.7348633,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.053891897201538086},{"word":"you","start":194.63,"end":194.79,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05678226053714752},{"word":"looked","start":194.79,"end":195.03,"confidence":1.0,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.06604841351509094},{"word":"at","start":195.03,"end":195.11,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09257245063781738},{"word":"all","start":195.11,"end":195.27,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0651465654373169},{"word":"the","start":195.27,"end":195.35,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12467294931411745},{"word":"budget","start":195.35,"end":195.67,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":-0.12076784670352936},{"word":"changes","start":195.67,"end":195.99,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.1444879174232483},{"word":"and","start":195.99,"end":196.23,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12677496671676636},{"word":"all","start":196.23,"end":196.39,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1153084635734558},{"word":"that","start":196.39,"end":196.55,"confidence":0.96972656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12369909882545473},{"word":"stuff","start":196.55,"end":196.79,"confidence":1.0,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.1305011510848999},{"word":"that's","start":196.79,"end":196.95,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1321573704481125},{"word":"been","start":196.95,"end":197.11,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.11355336755514144},{"word":"going","start":197.11,"end":197.35,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.12462198734283449},{"word":"on","start":197.35,"end":197.51,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1455579400062561},{"word":"about","start":197.51,"end":197.75,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1751677244901657},{"word":"the","start":197.75,"end":197.83,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21172776818275452},{"word":"negative","start":197.83,"end":198.23,"confidence":0.9980469,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.21773970127105713},{"word":"gearing","start":198.23,"end":198.705,"confidence":0.9873047,"punctuated_word":"gearing","sentiment":"neutral","sentiment_score":-0.2929755449295044},{"word":"capital","start":198.705,"end":199.185,"confidence":0.9863281,"punctuated_word":"capital","sentiment":"negative","sentiment_score":-0.33438700437545776},{"word":"gain","start":199.185,"end":199.685,"confidence":0.8857422,"punctuated_word":"gain?","sentiment":"neutral","sentiment_score":-0.21645282208919525},{"word":"yeah","start":202.465,"end":202.705,"confidence":0.79467773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1378335952758789},{"word":"good","start":202.705,"end":202.945,"confidence":0.9790039,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4784196019172669},{"word":"fun","start":202.945,"end":203.185,"confidence":0.5389404,"punctuated_word":"fun,","sentiment":"positive","sentiment_score":0.48078688979148865},{"word":"mate","start":203.185,"end":203.345,"confidence":0.99560547,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.4511125981807709},{"word":"if","start":203.345,"end":203.505,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.28773969411849976},{"word":"you","start":203.505,"end":203.585,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20748531818389893},{"word":"want","start":203.585,"end":203.825,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.14436303079128265},{"word":"any","start":203.825,"end":204.065,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12770986557006836},{"word":"information","start":204.065,"end":204.465,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.06607349216938019},{"word":"on","start":204.465,"end":204.625,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.054870735853910446},{"word":"it","start":204.625,"end":204.945,"confidence":0.9436035,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.10208722949028017},{"word":"i","start":204.945,"end":205.105,"confidence":0.91503906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1520484834909439},{"word":"know","start":205.105,"end":205.345,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.13319841027259827},{"word":"they're","start":205.345,"end":205.585,"confidence":0.90283203,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.12477265298366548},{"word":"kind","start":205.585,"end":205.745,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08613228052854538},{"word":"of","start":205.745,"end":205.905,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15161745250225067},{"word":"whittling","start":205.905,"end":206.385,"confidence":0.96761066,"punctuated_word":"whittling","sentiment":"neutral","sentiment_score":0.0911562442779541},{"word":"down","start":206.385,"end":206.625,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13699236512184143},{"word":"the","start":206.625,"end":206.705,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10330523550510406},{"word":"options","start":206.705,"end":207.105,"confidence":0.99316406,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.0453997403383255},{"word":"a","start":207.105,"end":207.265,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10739227384328842},{"word":"little","start":207.265,"end":207.425,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11759185791015624},{"word":"bit","start":207.425,"end":207.925,"confidence":0.7663574,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.07810598611831665},{"word":"but","start":208.145,"end":208.645,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10054083913564682},{"word":"if","start":209.185,"end":209.345,"confidence":0.9472656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13170048594474792},{"word":"there's","start":209.345,"end":209.505,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.13924658298492432},{"word":"anything","start":209.505,"end":209.825,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1814301609992981},{"word":"we","start":209.825,"end":209.985,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13194486498832703},{"word":"can","start":209.985,"end":210.145,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1761569380760193},{"word":"do","start":210.145,"end":210.30501,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1866104006767273},{"word":"to","start":210.30501,"end":210.385,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2107447534799576},{"word":"help","start":210.385,"end":210.625,"confidence":0.80615234,"punctuated_word":"help,","sentiment":"neutral","sentiment_score":0.18384739756584167},{"word":"just","start":210.625,"end":210.785,"confidence":0.95410156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15095071494579315},{"word":"let","start":210.785,"end":211.025,"confidence":0.93847656,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1312362551689148},{"word":"us","start":211.025,"end":211.185,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0991821140050888},{"word":"know","start":211.185,"end":211.65,"confidence":0.99609375,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.09064620733261108},{"word":"perfect","start":214.84999,"end":215.34999,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2742823362350464},{"word":"just","start":215.73,"end":215.89,"confidence":0.9140625,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.163914293050766},{"word":"double","start":215.89,"end":216.12999,"confidence":0.9892578,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.09637781977653503},{"word":"check","start":216.12999,"end":216.29,"confidence":0.86035156,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.12754277884960177},{"word":"a","start":216.29,"end":216.45,"confidence":0.7890625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13453391194343567},{"word":"couple","start":216.45,"end":216.76999,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.08577977120876312},{"word":"of","start":216.76999,"end":216.84999,"confidence":0.9453125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05625205114483833},{"word":"details","start":216.84999,"end":217.32999,"confidence":0.9741211,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":0.0551629364490509},{"word":"so","start":217.32999,"end":217.82999,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.035384487360715866},{"word":"we","start":218.12999,"end":218.37,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.039346810430288315},{"word":"still","start":218.37,"end":218.61,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.039245717227458954},{"word":"had","start":218.61,"end":218.84999,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.052375733852386475},{"word":"you","start":218.84999,"end":219.32999,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03521750867366791},{"word":"married","start":219.32999,"end":219.73,"confidence":0.99902344,"punctuated_word":"married","sentiment":"neutral","sentiment_score":0.06159104034304619},{"word":"at","start":219.73,"end":219.89,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.028805337846279144},{"word":"the","start":219.89,"end":220.04999,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05951014533638954},{"word":"time","start":220.04999,"end":220.37,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06690871715545654},{"word":"with","start":220.37,"end":220.68999,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07187266647815704},{"word":"two","start":220.68999,"end":220.93,"confidence":0.94921875,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.06632762402296066},{"word":"dependent","start":220.93,"end":221.40999,"confidence":0.99121094,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":0.10097934305667876},{"word":"children","start":221.40999,"end":221.81,"confidence":0.9941406,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":0.08434423804283142},{"word":"is","start":221.81,"end":221.89,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.09831379354000092},{"word":"that","start":221.89,"end":222.04999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09384747594594955},{"word":"right","start":222.04999,"end":222.54999,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.09100136905908585},{"word":"awesome","start":224.05501,"end":224.455,"confidence":0.99658203,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.39960622787475586},{"word":"alrighty","start":224.455,"end":224.955,"confidence":0.9980469,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.2610737979412079},{"word":"now","start":225.175,"end":225.495,"confidence":0.98828125,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1973647028207779},{"word":"if","start":225.495,"end":225.655,"confidence":0.9741211,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16455981135368347},{"word":"you","start":225.655,"end":225.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10595986992120744},{"word":"can","start":225.735,"end":225.975,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07641419768333435},{"word":"grab","start":225.975,"end":226.375,"confidence":0.99902344,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":0.13865140080451965},{"word":"open","start":226.375,"end":226.615,"confidence":0.9980469,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.1294936239719391},{"word":"that","start":226.615,"end":226.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1303117871284485},{"word":"email","start":226.855,"end":227.255,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11603041738271712},{"word":"for","start":227.255,"end":227.41501,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1230819970369339},{"word":"me","start":227.41501,"end":227.895,"confidence":0.98339844,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1625499725341797},{"word":"you","start":227.895,"end":228.05501,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15070690214633942},{"word":"should","start":228.05501,"end":228.375,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1941424012184143},{"word":"see","start":228.375,"end":228.695,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08216504752635956},{"word":"a","start":228.695,"end":229.095,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.096907377243042},{"word":"summary","start":229.095,"end":229.595,"confidence":1.0,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.07183647900819778},{"word":"of","start":229.815,"end":230.295,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10860466957092284},{"word":"subaru","start":230.295,"end":230.77501,"confidence":0.47265625,"punctuated_word":"Subaru","sentiment":"neutral","sentiment_score":0.0811501145362854},{"word":"insurance","start":230.77501,"end":231.27501,"confidence":0.5073242,"punctuated_word":"Insurance","sentiment":"neutral","sentiment_score":0.1017206609249115},{"word":"is","start":231.495,"end":231.655,"confidence":0.59375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10946726053953172},{"word":"the","start":231.655,"end":231.815,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12479620426893234},{"word":"main","start":231.815,"end":231.975,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1573004126548767},{"word":"one","start":231.975,"end":232.215,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13774177432060242},{"word":"i","start":232.215,"end":232.295,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09912677109241486},{"word":"wanna","start":232.295,"end":232.535,"confidence":0.7949219,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1239049956202507},{"word":"focus","start":232.535,"end":232.935,"confidence":0.9941406,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.09521836042404176},{"word":"on","start":232.935,"end":233.435,"confidence":0.9975586,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.1437622308731079},{"word":"no","start":240.55,"end":240.95,"confidence":0.9772949,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.24791693687438965},{"word":"don't","start":240.95,"end":241.27,"confidence":0.9995117,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.2825552821159363},{"word":"hit","start":241.27,"end":241.43001,"confidence":1.0,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.03042145818471909},{"word":"that","start":241.43001,"end":241.67,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03356005996465683},{"word":"button","start":241.67,"end":242.17,"confidence":0.9970703,"punctuated_word":"button.","sentiment":"neutral","sentiment_score":-0.032759249210357666},{"word":"so","start":242.23,"end":242.71,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.001462514512240887},{"word":"at","start":242.71,"end":242.87,"confidence":0.984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0012020757421851158},{"word":"the","start":242.87,"end":243.03,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0124361552298069},{"word":"bottom","start":243.03,"end":243.53,"confidence":0.9785156,"punctuated_word":"bottom,","sentiment":"neutral","sentiment_score":0.012218926101922987},{"word":"there's","start":243.99,"end":244.49,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.008235326036810875},{"word":"attachments","start":244.87,"end":245.37,"confidence":0.90283203,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":-0.002726080361753702},{"word":"just","start":245.43001,"end":245.67,"confidence":0.72265625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0006758831441402435},{"word":"like","start":245.67,"end":245.83,"confidence":0.94189453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.004248565994203091},{"word":"standard","start":245.83,"end":246.15,"confidence":0.98095703,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.0007202420383691788},{"word":"pdf","start":246.15,"end":246.65,"confidence":0.9838867,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.001278148964047432},{"word":"attachments","start":246.71,"end":247.19,"confidence":0.97509766,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":-0.004212234169244766},{"word":"like","start":247.19,"end":247.35,"confidence":0.81396484,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0021321233361959457},{"word":"any","start":247.35,"end":247.59,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.00023803487420082092},{"word":"other","start":247.59,"end":247.83,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.002172056585550308},{"word":"email","start":247.83,"end":248.33,"confidence":0.9946289,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.006759824696928263},{"word":"yep","start":250.565,"end":251.065,"confidence":0.93725586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056807663291692734},{"word":"it's","start":251.685,"end":251.925,"confidence":0.9448242,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07275160402059555},{"word":"the","start":251.925,"end":252.425,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08969448506832123},{"word":"super","start":252.565,"end":252.88501,"confidence":0.9506836,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1533152461051941},{"word":"and","start":252.88501,"end":253.125,"confidence":0.90234375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08799930661916733},{"word":"insurance","start":253.125,"end":253.625,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.07947848737239838},{"word":"summary","start":253.765,"end":254.265,"confidence":0.99853516,"punctuated_word":"summary.","sentiment":"neutral","sentiment_score":0.08904214203357697},{"word":"perfect","start":257.285,"end":257.605,"confidence":0.9523926,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.42972874641418457},{"word":"just","start":257.605,"end":257.765,"confidence":0.9970703,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.24548934400081637},{"word":"let","start":257.765,"end":257.925,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.24448588490486145},{"word":"me","start":257.925,"end":258.005,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.22709812223911283},{"word":"know","start":258.005,"end":258.085,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2379261553287506},{"word":"when","start":258.085,"end":258.245,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2311866581439972},{"word":"you","start":258.245,"end":258.325,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20627298951148987},{"word":"can","start":258.325,"end":258.48502,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1420394778251648},{"word":"see","start":258.48502,"end":258.645,"confidence":0.984375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16986431181430817},{"word":"all","start":258.645,"end":258.725,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2069115936756134},{"word":"that","start":258.725,"end":258.885,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19585302472114563},{"word":"there","start":258.885,"end":259.045,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.21002337336540225},{"word":"it","start":259.045,"end":259.20502,"confidence":0.9902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15472762286663055},{"word":"should","start":259.20502,"end":259.445,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.187401220202446},{"word":"have","start":259.445,"end":259.605,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11961203813552856},{"word":"your","start":259.605,"end":259.765,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1076599732041359},{"word":"netwealthy","start":259.765,"end":260.265,"confidence":0.6501465,"punctuated_word":"Netwealthy","sentiment":"neutral","sentiment_score":0.14673244953155518},{"word":"colonial","start":260.405,"end":260.905,"confidence":0.7109375,"punctuated_word":"Colonial","sentiment":"neutral","sentiment_score":0.1627621352672577},{"word":"and","start":261.285,"end":261.525,"confidence":0.9536133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12944379448890686},{"word":"the","start":261.525,"end":261.685,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15797783434391022},{"word":"attached","start":261.685,"end":262.085,"confidence":0.9838867,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.16152486205101013},{"word":"insurances","start":262.085,"end":262.585,"confidence":0.99194336,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.13222239911556244},{"word":"listed","start":263.125,"end":263.525,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.16430296003818512},{"word":"on","start":263.525,"end":263.765,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17262698709964752},{"word":"this","start":263.765,"end":264.265,"confidence":0.8046875,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.15876343846321106},{"word":"no","start":277.465,"end":277.70502,"confidence":0.7314453,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.10135389864444733},{"word":"worries","start":277.70502,"end":277.945,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.09436404705047607},{"word":"at","start":277.945,"end":278.105,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07121925801038742},{"word":"all","start":278.105,"end":278.605,"confidence":0.99902344,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.08913502097129822},{"word":"perfect","start":287.465,"end":287.865,"confidence":0.9855957,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4313783645629883},{"word":"perfect","start":287.865,"end":288.265,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3980149030685425},{"word":"so","start":288.265,"end":288.6,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17479145526885986},{"word":"what","start":288.68,"end":288.76,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15059734880924225},{"word":"i'm","start":288.76,"end":289.0,"confidence":0.99560547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.137905091047287},{"word":"basically","start":289.0,"end":289.4,"confidence":0.97509766,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11106478422880171},{"word":"looking","start":289.4,"end":289.56,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.07313224673271179},{"word":"at","start":289.56,"end":289.80002,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10769149661064148},{"word":"today","start":289.80002,"end":290.12,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.13377636671066284},{"word":"is","start":290.12,"end":290.28,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0951998606324196},{"word":"we've","start":290.28,"end":290.44,"confidence":0.9831543,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0872272253036499},{"word":"got","start":290.44,"end":290.6,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09074189513921738},{"word":"the","start":290.6,"end":290.76,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10780732333660126},{"word":"netwealth","start":290.76,"end":291.24002,"confidence":0.68481445,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.11927203088998796},{"word":"super","start":291.24002,"end":291.74002,"confidence":0.49853516,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13293452560901642},{"word":"hundred","start":291.80002,"end":292.12,"confidence":0.44921875,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":0.11670421808958054},{"word":"'63","start":292.12,"end":293.08002,"confidence":0.94417316,"punctuated_word":"'63,","sentiment":"neutral","sentiment_score":0.09118394553661346},{"word":"hundred","start":293.08002,"end":293.32,"confidence":0.97509766,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":0.10447174310684204},{"word":"and","start":293.32,"end":293.4,"confidence":0.79833984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09176719188690186},{"word":"sixty","start":293.4,"end":293.72,"confidence":0.9970703,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.10937609523534776},{"word":"four","start":293.72,"end":293.96,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.08661779016256332},{"word":"thousand","start":293.96,"end":294.28,"confidence":0.77441406,"punctuated_word":"thousand.","sentiment":"neutral","sentiment_score":0.1171436756849289},{"word":"it's","start":294.28,"end":294.52002,"confidence":0.9082031,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12802258133888245},{"word":"obviously","start":294.52002,"end":294.84,"confidence":0.6958008,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.1554979830980301},{"word":"bouncing","start":294.84,"end":295.24002,"confidence":0.4753418,"punctuated_word":"bouncing","sentiment":"neutral","sentiment_score":0.1994633674621582},{"word":"around","start":295.24002,"end":295.56,"confidence":0.99316406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.19516095519065857},{"word":"quite","start":295.56,"end":295.80002,"confidence":0.9980469,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.18254445493221283},{"word":"frequently","start":295.80002,"end":296.30002,"confidence":0.99560547,"punctuated_word":"frequently.","sentiment":"neutral","sentiment_score":0.1550898551940918},{"word":"colonial","start":296.76,"end":297.26,"confidence":0.97265625,"punctuated_word":"Colonial","sentiment":"neutral","sentiment_score":0.10737515985965727},{"word":"sort","start":297.32,"end":297.48,"confidence":0.8330078,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09853260219097136},{"word":"of","start":297.48,"end":297.72,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09682236611843108},{"word":"jumped","start":297.72,"end":297.96,"confidence":0.99121094,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":0.1995956599712372},{"word":"up","start":297.96,"end":298.12,"confidence":0.9902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2146985828876495},{"word":"a","start":298.12,"end":298.28,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1460805982351303},{"word":"little","start":298.28,"end":298.44,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10123872011899948},{"word":"bit","start":298.44,"end":298.68,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15358206629753113},{"word":"since","start":298.68,"end":298.92,"confidence":0.97998047,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.26148465275764465},{"word":"the","start":298.92,"end":299.08002,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1318281590938568},{"word":"last","start":299.08002,"end":299.32,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08541812002658844},{"word":"time","start":299.32,"end":299.56,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11272549629211426},{"word":"we","start":299.56,"end":299.72,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09227842092514038},{"word":"checked","start":299.72,"end":300.22,"confidence":0.7531738,"punctuated_word":"checked.","sentiment":"neutral","sentiment_score":0.12487874925136566},{"word":"and","start":300.52002,"end":300.92,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0837228000164032},{"word":"you've","start":300.92,"end":301.16,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08536146581172943},{"word":"got","start":301.16,"end":301.4,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07726988941431046},{"word":"the","start":301.4,"end":301.56,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07820087671279907},{"word":"life","start":301.56,"end":301.88,"confidence":0.5761719,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1168164238333702},{"word":"of","start":301.88,"end":302.04,"confidence":0.33911133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10265007615089417},{"word":"tpd","start":302.04,"end":302.52002,"confidence":0.5946452,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.0940897986292839},{"word":"the","start":302.52002,"end":302.68,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09089581668376924},{"word":"income","start":302.68,"end":303.16,"confidence":0.9902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10678968578577042},{"word":"protection","start":303.16,"end":303.66,"confidence":0.96313477,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.10967907309532166},{"word":"which","start":304.315,"end":304.555,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.12892916798591614},{"word":"was","start":304.555,"end":304.875,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.118301123380661},{"word":"through","start":304.875,"end":305.275,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10596295446157455},{"word":"commonsure","start":305.275,"end":305.775,"confidence":0.50427246,"punctuated_word":"CommonSure","sentiment":"neutral","sentiment_score":0.134201779961586},{"word":"attached","start":306.155,"end":306.555,"confidence":0.95947266,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.12258359044790268},{"word":"through","start":306.555,"end":306.715,"confidence":0.97998047,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1063125804066658},{"word":"the","start":306.715,"end":306.875,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.103099524974823},{"word":"colonial","start":306.875,"end":307.355,"confidence":0.8857422,"punctuated_word":"Colonial","sentiment":"neutral","sentiment_score":0.07487335056066513},{"word":"account","start":307.355,"end":307.595,"confidence":0.9692383,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.08609679341316223},{"word":"does","start":307.595,"end":307.755,"confidence":0.9248047,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.06599147617816925},{"word":"all","start":307.755,"end":307.915,"confidence":0.9760742,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07866176962852478},{"word":"that","start":307.915,"end":308.075,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0752517357468605},{"word":"ring","start":308.075,"end":308.315,"confidence":0.99902344,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.05553744360804558},{"word":"a","start":308.315,"end":308.395,"confidence":0.6928711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02902587130665779},{"word":"bell","start":308.395,"end":308.895,"confidence":0.99902344,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.03935070335865021},{"word":"beautiful","start":310.795,"end":311.295,"confidence":0.9562988,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3462943136692047},{"word":"mate","start":311.51498,"end":311.835,"confidence":0.9123535,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.11457961797714232},{"word":"have","start":311.835,"end":311.995,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1098874881863594},{"word":"you","start":311.995,"end":312.155,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10711883008480072},{"word":"been","start":312.155,"end":312.315,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09372566640377045},{"word":"logging","start":312.315,"end":312.555,"confidence":0.62158203,"punctuated_word":"logging","sentiment":"neutral","sentiment_score":0.08361756801605225},{"word":"into","start":312.555,"end":312.79498,"confidence":0.5649414,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05122506245970726},{"word":"your","start":312.79498,"end":312.955,"confidence":0.9086914,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.047359779477119446},{"word":"server","start":312.955,"end":313.195,"confidence":0.89453125,"punctuated_word":"server","sentiment":"neutral","sentiment_score":0.09431707859039308},{"word":"to","start":313.195,"end":313.355,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07274653017520905},{"word":"see","start":313.355,"end":313.51498,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10794216394424438},{"word":"how","start":313.51498,"end":313.675,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08045398443937302},{"word":"it's","start":313.675,"end":313.755,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08688434213399887},{"word":"been","start":313.755,"end":313.915,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0687425434589386},{"word":"going","start":313.915,"end":314.155,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.10388457775115968},{"word":"the","start":314.155,"end":314.315,"confidence":0.6694336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09345915913581848},{"word":"last","start":314.315,"end":314.555,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04785730689764023},{"word":"six","start":314.555,"end":314.79498,"confidence":0.9980469,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.03591816499829292},{"word":"months","start":314.79498,"end":315.29498,"confidence":0.98535156,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.02101944386959076},{"word":"no","start":321.13,"end":321.63,"confidence":0.8955078,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.27347642183303833},{"word":"yeah","start":325.29,"end":325.69,"confidence":0.9550781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13020633161067963},{"word":"no","start":325.69,"end":326.19,"confidence":0.9433594,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23165513575077057},{"word":"basically","start":326.25,"end":326.75,"confidence":0.98706055,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.2000080049037933},{"word":"it's","start":326.81,"end":327.13,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.22193652391433716},{"word":"it's","start":327.13,"end":327.29,"confidence":0.9194336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.25265735387802124},{"word":"been","start":327.29,"end":327.61002,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.279346764087677},{"word":"flat","start":327.61002,"end":327.85,"confidence":0.97998047,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":-0.27714037895202637},{"word":"for","start":327.85,"end":328.09003,"confidence":0.96972656,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.33481737971305847},{"word":"the","start":328.09003,"end":328.25,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32939663529396057},{"word":"year","start":328.25,"end":328.725,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.3131067156791687},{"word":"what","start":329.36502,"end":329.765,"confidence":0.9902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.2162088304758072},{"word":"ended","start":329.765,"end":330.005,"confidence":1.0,"punctuated_word":"ended","sentiment":"neutral","sentiment_score":-0.18586571514606476},{"word":"up","start":330.005,"end":330.245,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.17319941520690918},{"word":"happening","start":330.245,"end":330.565,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.15679030120372772},{"word":"was","start":330.565,"end":330.805,"confidence":0.81933594,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1306503415107727},{"word":"as","start":330.805,"end":330.965,"confidence":0.91748047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.16278347373008728},{"word":"soon","start":330.965,"end":331.20502,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.21031196415424347},{"word":"as","start":331.20502,"end":331.36502,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14615771174430847},{"word":"february","start":331.36502,"end":331.765,"confidence":0.90356445,"punctuated_word":"February,","sentiment":"neutral","sentiment_score":-0.13618142902851105},{"word":"march","start":331.765,"end":332.085,"confidence":1.0,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.17666460573673248},{"word":"hit","start":332.085,"end":332.585,"confidence":0.96484375,"punctuated_word":"hit,","sentiment":"neutral","sentiment_score":-0.1383795142173767},{"word":"all","start":332.805,"end":332.965,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.19644595682621},{"word":"the","start":332.965,"end":333.125,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1513005495071411},{"word":"stocks","start":333.125,"end":333.445,"confidence":0.984375,"punctuated_word":"stocks","sentiment":"neutral","sentiment_score":-0.25055834650993347},{"word":"went","start":333.445,"end":333.685,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.19453376531600952},{"word":"down","start":333.685,"end":334.185,"confidence":0.80615234,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.17097873985767365},{"word":"and","start":334.405,"end":334.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12709955871105194},{"word":"then","start":334.565,"end":334.805,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07254232466220856},{"word":"it","start":334.805,"end":334.965,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1503247320652008},{"word":"bounced","start":334.965,"end":335.285,"confidence":0.9819336,"punctuated_word":"bounced","sentiment":"neutral","sentiment_score":-0.12355230003595352},{"word":"back","start":335.285,"end":335.525,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1141347736120224},{"word":"a","start":335.525,"end":335.685,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09781207889318466},{"word":"little","start":335.685,"end":335.92502,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.055614590644836426},{"word":"bit","start":335.92502,"end":336.165,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06248955428600311},{"word":"the","start":336.165,"end":336.325,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09846791625022888},{"word":"last","start":336.325,"end":336.48502,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0358758419752121},{"word":"couple","start":336.48502,"end":336.725,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.05024438351392746},{"word":"of","start":336.725,"end":336.805,"confidence":0.77685547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05733383446931839},{"word":"months","start":336.805,"end":337.045,"confidence":0.81689453,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.023605655878782272},{"word":"actually","start":337.045,"end":337.365,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.011502504348754885},{"word":"pretty","start":337.365,"end":337.685,"confidence":0.75439453,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.04783424735069275},{"word":"quickly","start":337.685,"end":338.185,"confidence":0.7858887,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":-0.034004271030426025},{"word":"but","start":338.64502,"end":339.14502,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0512968972325325},{"word":"you're","start":340.005,"end":340.165,"confidence":0.95532227,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0726417675614357},{"word":"basically","start":340.165,"end":340.64502,"confidence":0.9790039,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.0468502938747406},{"word":"still","start":340.64502,"end":340.965,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.09010834246873856},{"word":"sitting","start":340.965,"end":341.285,"confidence":0.99902344,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.020960979163646695},{"word":"at","start":341.285,"end":341.445,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.029913395643234253},{"word":"about","start":341.445,"end":341.945,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.031179167330265045},{"word":"similar","start":342.74002,"end":343.14,"confidence":0.9873047,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":-0.06472323834896088},{"word":"balance","start":343.14,"end":343.46002,"confidence":0.9536133,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.06861922144889832},{"word":"to","start":343.46002,"end":343.62003,"confidence":0.4790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00618155300617218},{"word":"you","start":343.62003,"end":343.7,"confidence":0.7758789,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02083437144756317},{"word":"were","start":343.7,"end":343.94,"confidence":0.7895508,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.013937734067440031},{"word":"twelve","start":343.94,"end":344.26,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.06060091406106949},{"word":"months","start":344.26,"end":344.5,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.03825177997350693},{"word":"ago","start":344.5,"end":345.0,"confidence":0.99609375,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":-0.021784059703350067},{"word":"after","start":345.54,"end":345.86002,"confidence":0.81591797,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.020580172538757324},{"word":"all","start":345.86002,"end":346.1,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.014697782695293428},{"word":"the","start":346.1,"end":346.18002,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0008261650800704956},{"word":"growth","start":346.18002,"end":346.42,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.03238435089588165},{"word":"from","start":346.42,"end":346.58002,"confidence":0.82470703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.015342310070991516},{"word":"the","start":346.58002,"end":346.74002,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03245619684457779},{"word":"previous","start":346.74002,"end":347.06003,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":-0.029101818799972538},{"word":"years","start":347.06003,"end":347.46002,"confidence":0.99121094,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.015962809324264526},{"word":"as","start":347.46002,"end":347.54,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.008373171091079712},{"word":"well","start":347.54,"end":348.04,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.0122707299888134},{"word":"so","start":348.82,"end":349.32,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004524163901805878},{"word":"couple","start":350.18002,"end":350.34003,"confidence":0.80566406,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.007728863507509232},{"word":"of","start":350.34003,"end":350.5,"confidence":0.5229492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014004066586494446},{"word":"things","start":350.5,"end":350.74002,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.020424097776412964},{"word":"i","start":350.74002,"end":350.82,"confidence":0.9614258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01863061636686325},{"word":"wanted","start":350.82,"end":351.06,"confidence":0.59033203,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0383976586163044},{"word":"to","start":351.06,"end":351.14,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03300599381327629},{"word":"broach","start":351.14,"end":351.38,"confidence":0.7454834,"punctuated_word":"broach","sentiment":"neutral","sentiment_score":0.04196382313966751},{"word":"with","start":351.38,"end":351.54,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06777128577232361},{"word":"you","start":351.54,"end":351.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12587082386016846},{"word":"today","start":351.78,"end":352.1,"confidence":0.72558594,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.09192019701004028},{"word":"actually","start":352.1,"end":352.58002,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.07055969536304474},{"word":"three","start":352.58002,"end":352.74002,"confidence":0.7324219,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.028668664395809177},{"word":"things","start":352.74002,"end":353.06,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0467057004570961},{"word":"in","start":353.06,"end":353.22,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.020739369094371796},{"word":"particular","start":353.22,"end":353.72,"confidence":0.99609375,"punctuated_word":"particular.","sentiment":"neutral","sentiment_score":0.03496188670396805},{"word":"first","start":354.42,"end":354.74002,"confidence":0.9902344,"punctuated_word":"First","sentiment":"neutral","sentiment_score":0.03337271511554718},{"word":"one","start":354.74002,"end":354.98,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.030088158324360847},{"word":"is","start":354.98,"end":355.455,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03928014636039734},{"word":"i'm","start":355.53497,"end":355.775,"confidence":0.98950195,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03544706851243973},{"word":"looking","start":355.775,"end":356.175,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.03405984491109848},{"word":"at","start":356.175,"end":356.41498,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.044778503477573395},{"word":"your","start":356.41498,"end":356.81497,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.041699592024087906},{"word":"netwealth","start":356.81497,"end":357.31497,"confidence":0.91064453,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.05846359953284264},{"word":"performance","start":357.375,"end":357.875,"confidence":0.96777344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.05552221834659576},{"word":"report","start":358.095,"end":358.595,"confidence":0.99658203,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.001263939426280558},{"word":"do","start":359.055,"end":359.215,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.039413660764694214},{"word":"you","start":359.215,"end":359.29498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04430294409394264},{"word":"mind","start":359.29498,"end":359.615,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.05573989450931549},{"word":"opening","start":359.615,"end":360.01498,"confidence":0.99902344,"punctuated_word":"opening","sentiment":"neutral","sentiment_score":0.08618023991584778},{"word":"that","start":360.01498,"end":360.25497,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11092288047075272},{"word":"document","start":360.25497,"end":360.655,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.0879797637462616},{"word":"up","start":360.655,"end":360.895,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1394912302494049},{"word":"for","start":360.895,"end":361.055,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11773733794689178},{"word":"me","start":361.055,"end":361.29498,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10474726557731628},{"word":"as","start":361.29498,"end":361.375,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1122426688671112},{"word":"well","start":361.375,"end":361.69498,"confidence":0.9406738,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.10264196991920473},{"word":"because","start":361.69498,"end":361.935,"confidence":0.7973633,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.06648217886686325},{"word":"i","start":361.935,"end":362.095,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14769402146339417},{"word":"wanna","start":362.095,"end":362.335,"confidence":0.86328125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1865100860595703},{"word":"just","start":362.335,"end":362.495,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1765940487384796},{"word":"break","start":362.495,"end":362.655,"confidence":0.9980469,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.19827726483345032},{"word":"it","start":362.655,"end":362.81497,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.192627876996994},{"word":"down","start":362.81497,"end":363.055,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2127731293439865},{"word":"a","start":363.055,"end":363.13498,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19836175441741943},{"word":"little","start":363.13498,"end":363.375,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15634948015213013},{"word":"bit","start":363.375,"end":363.53497,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16252781450748444},{"word":"for","start":363.53497,"end":363.69498,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18778249621391296},{"word":"you","start":363.69498,"end":364.19498,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15779395401477814},{"word":"yep","start":371.63,"end":371.95,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2554776668548584},{"word":"that's","start":371.95,"end":372.11002,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.36526966094970703},{"word":"the","start":372.11002,"end":372.27,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3575286269187927},{"word":"one","start":372.27,"end":372.43,"confidence":0.75341797,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.3809749484062195},{"word":"you","start":372.43,"end":372.59,"confidence":0.9892578,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5303436517715454},{"word":"should","start":372.59,"end":372.75,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.554315984249115},{"word":"see","start":372.75,"end":372.91,"confidence":0.9980469,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4986695945262909},{"word":"a","start":372.91,"end":372.99,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5493550300598145},{"word":"lovely","start":372.99,"end":373.31,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.6647778153419495},{"word":"blue","start":373.31,"end":373.55,"confidence":0.98095703,"punctuated_word":"blue","sentiment":"positive","sentiment_score":0.7060126066207886},{"word":"table","start":373.55,"end":374.03,"confidence":0.9633789,"punctuated_word":"table","sentiment":"positive","sentiment_score":0.5745410323143005},{"word":"smattered","start":374.03,"end":374.43,"confidence":0.8664551,"punctuated_word":"smattered","sentiment":"positive","sentiment_score":0.5446783900260925},{"word":"with","start":374.43,"end":374.67,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.49987465143203735},{"word":"about","start":374.67,"end":375.17,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2803000211715698},{"word":"50","start":375.39,"end":375.71,"confidence":0.9970703,"punctuated_word":"50","sentiment":"positive","sentiment_score":0.3939831554889679},{"word":"different","start":375.71,"end":376.21,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.291940838098526},{"word":"numbers","start":376.43,"end":376.83,"confidence":0.99902344,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.29131144285202026},{"word":"and","start":376.83,"end":376.99,"confidence":0.9951172,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4433433413505554},{"word":"figures","start":376.99,"end":377.39,"confidence":0.9580078,"punctuated_word":"figures","sentiment":"positive","sentiment_score":0.3353598415851593},{"word":"all","start":377.39,"end":377.63,"confidence":0.98291016,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4463781416416168},{"word":"over","start":377.63,"end":378.13,"confidence":0.9753418,"punctuated_word":"over.","sentiment":"positive","sentiment_score":0.36504608392715454},{"word":"so","start":382.125,"end":382.44498,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12962304055690765},{"word":"left","start":382.44498,"end":382.685,"confidence":0.99316406,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.1847180426120758},{"word":"hand","start":382.685,"end":383.00497,"confidence":1.0,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.17135748267173767},{"word":"side","start":383.00497,"end":383.405,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.14920002222061157},{"word":"is","start":383.405,"end":383.645,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11703195422887802},{"word":"the","start":383.645,"end":383.72498,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10508812963962556},{"word":"different","start":383.72498,"end":384.04498,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.101488396525383},{"word":"investment","start":384.04498,"end":384.54498,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.058685868978500366},{"word":"options","start":384.60498,"end":385.10498,"confidence":0.7583008,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.08041922748088837},{"word":"right","start":385.32498,"end":385.645,"confidence":1.0,"punctuated_word":"Right","sentiment":"neutral","sentiment_score":0.1634645015001297},{"word":"hand","start":385.645,"end":385.88498,"confidence":1.0,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.11499743163585664},{"word":"side","start":385.88498,"end":386.205,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.13438138365745544},{"word":"is","start":386.205,"end":386.365,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0962694212794304},{"word":"the","start":386.365,"end":386.60498,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10753869265317915},{"word":"percentage","start":386.60498,"end":387.10498,"confidence":0.9970703,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.15190772712230682},{"word":"returns","start":387.16498,"end":387.66498,"confidence":0.97387695,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.1344463676214218},{"word":"so","start":388.84497,"end":389.34497,"confidence":0.7573242,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1530720591545105},{"word":"basically","start":389.88498,"end":390.38498,"confidence":0.9980469,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.14673089981079102},{"word":"wind","start":391.00497,"end":391.245,"confidence":0.88183594,"punctuated_word":"wind","sentiment":"neutral","sentiment_score":0.18739119172096252},{"word":"back","start":391.245,"end":391.485,"confidence":0.97314453,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.20435985922813416},{"word":"one","start":391.485,"end":391.805,"confidence":0.9902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2050546407699585},{"word":"step","start":391.805,"end":392.25,"confidence":0.7565918,"punctuated_word":"step,","sentiment":"neutral","sentiment_score":0.22135239839553833},{"word":"we're","start":392.33,"end":392.57,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2101449817419052},{"word":"in","start":392.57,"end":392.65,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21836312115192413},{"word":"a","start":392.65,"end":392.73,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31566622853279114},{"word":"pretty","start":392.73,"end":393.13,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.33200404047966003},{"word":"high","start":393.13,"end":393.37,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.3043299913406372},{"word":"growth","start":393.37,"end":393.85,"confidence":0.9941406,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.38769352436065674},{"word":"portfolio","start":393.85,"end":394.35,"confidence":0.9682617,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.2022946774959564},{"word":"most","start":394.65,"end":394.89,"confidence":0.99316406,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":0.2606557011604309},{"word":"of","start":394.89,"end":394.97,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27075836062431335},{"word":"your","start":394.97,"end":395.21,"confidence":0.9277344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25968629121780396},{"word":"super","start":395.21,"end":395.53,"confidence":0.4248047,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3369794487953186},{"word":"across","start":395.53,"end":395.93,"confidence":0.93603516,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.24065648019313812},{"word":"both","start":395.93,"end":396.25,"confidence":0.99121094,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2462957203388214},{"word":"accounts","start":396.25,"end":396.57,"confidence":0.9667969,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.17562513053417206},{"word":"is","start":396.57,"end":396.73,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.262893408536911},{"word":"all","start":396.73,"end":396.97,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20924563705921173},{"word":"in","start":396.97,"end":397.13,"confidence":0.9819336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2037285417318344},{"word":"growth","start":397.13,"end":397.53,"confidence":0.9291992,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.23093007504940033},{"word":"assets","start":397.53,"end":398.03,"confidence":0.6123047,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.18337148427963257},{"word":"there's","start":398.25,"end":398.65,"confidence":0.77075195,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.15591979026794434},{"word":"property","start":398.65,"end":399.13,"confidence":0.9326172,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.1733427196741104},{"word":"gold","start":399.13,"end":399.53,"confidence":0.6776123,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.20046167075634003},{"word":"all","start":399.53,"end":399.69,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17979715764522552},{"word":"that","start":399.69,"end":399.93,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15388478338718414},{"word":"kind","start":399.93,"end":400.09,"confidence":0.96533203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1187569499015808},{"word":"of","start":400.09,"end":400.25,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18106459081172943},{"word":"thing","start":400.25,"end":400.75,"confidence":0.9921875,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.23465093970298767},{"word":"you","start":400.81,"end":400.97,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1811127662658691},{"word":"have","start":400.97,"end":401.47,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22088505327701569},{"word":"nothing","start":401.85,"end":402.35,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.051528096199035645},{"word":"in","start":402.41,"end":402.65,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0832119733095169},{"word":"defensive","start":402.65,"end":403.13,"confidence":0.81591797,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.06855375319719315},{"word":"assets","start":403.13,"end":403.53,"confidence":0.90234375,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.050252802670001984},{"word":"except","start":403.53,"end":403.85,"confidence":0.96777344,"punctuated_word":"except","sentiment":"neutral","sentiment_score":0.07859327644109726},{"word":"for","start":403.85,"end":404.09,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15362347662448883},{"word":"the","start":404.09,"end":404.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1402764916419983},{"word":"minimum","start":404.17,"end":404.65,"confidence":0.99902344,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.09757545590400696},{"word":"cash","start":404.65,"end":404.89,"confidence":0.9941406,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.14572736620903015},{"word":"that","start":404.89,"end":405.05,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16788780689239502},{"word":"you're","start":405.05,"end":405.21,"confidence":0.8833008,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12054161727428436},{"word":"required","start":405.21,"end":405.69,"confidence":0.9980469,"punctuated_word":"required","sentiment":"neutral","sentiment_score":0.07740505039691925},{"word":"to","start":405.69,"end":405.85,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09939846396446228},{"word":"hold","start":405.85,"end":406.17,"confidence":0.9885254,"punctuated_word":"hold.","sentiment":"neutral","sentiment_score":0.08518792688846588},{"word":"does","start":406.17,"end":406.41,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.10912790894508362},{"word":"that","start":406.41,"end":406.57,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12812769412994385},{"word":"make","start":406.57,"end":406.73,"confidence":0.99121094,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09169887006282806},{"word":"sense","start":406.73,"end":407.23,"confidence":0.99902344,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.11206848919391632},{"word":"yep","start":409.27502,"end":409.77502,"confidence":0.9213867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2103637456893921},{"word":"actually","start":410.39502,"end":410.89502,"confidence":0.857666,"punctuated_word":"Actually,","sentiment":"positive","sentiment_score":0.40284502506256104},{"word":"across","start":411.27502,"end":411.67502,"confidence":1.0,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.5274966359138489},{"word":"the","start":411.67502,"end":411.83502,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5031764507293701},{"word":"board","start":411.83502,"end":412.33502,"confidence":0.9916992,"punctuated_word":"board,","sentiment":"positive","sentiment_score":0.537110447883606},{"word":"pretty","start":412.795,"end":413.11502,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6128535270690918},{"word":"strong","start":413.11502,"end":413.515,"confidence":1.0,"punctuated_word":"strong","sentiment":"positive","sentiment_score":0.5522603392601013},{"word":"performance","start":413.515,"end":414.015,"confidence":1.0,"punctuated_word":"performance","sentiment":"positive","sentiment_score":0.6073753833770752},{"word":"from","start":414.075,"end":414.23502,"confidence":0.98095703,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.5932378768920898},{"word":"pretty","start":414.23502,"end":414.55502,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6205012202262878},{"word":"much","start":414.55502,"end":414.795,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5881292819976807},{"word":"every","start":414.795,"end":415.035,"confidence":0.99902344,"punctuated_word":"every","sentiment":"positive","sentiment_score":0.5649230480194092},{"word":"single","start":415.035,"end":415.355,"confidence":1.0,"punctuated_word":"single","sentiment":"positive","sentiment_score":0.5413976311683655},{"word":"option","start":415.355,"end":415.755,"confidence":0.9980469,"punctuated_word":"option","sentiment":"positive","sentiment_score":0.48742592334747314},{"word":"except","start":415.755,"end":416.075,"confidence":0.984375,"punctuated_word":"except","sentiment":"positive","sentiment_score":0.3704329133033752},{"word":"for","start":416.075,"end":416.315,"confidence":0.9404297,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4814872145652771},{"word":"one","start":416.315,"end":416.815,"confidence":0.9675293,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.4368992447853088},{"word":"so","start":416.875,"end":417.11502,"confidence":0.95947266,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4146844148635864},{"word":"the","start":417.11502,"end":417.27502,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4983868300914765},{"word":"gold's","start":417.27502,"end":417.595,"confidence":0.7883301,"punctuated_word":"gold's","sentiment":"positive","sentiment_score":0.44087108969688416},{"word":"still","start":417.595,"end":417.83502,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4090955853462219},{"word":"up","start":417.83502,"end":417.995,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4836253523826599},{"word":"quite","start":417.995,"end":418.23502,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.32723015546798706},{"word":"a","start":418.23502,"end":418.315,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40704816579818726},{"word":"bit","start":418.315,"end":418.795,"confidence":0.9736328,"punctuated_word":"bit.","sentiment":"positive","sentiment_score":0.35591191053390503},{"word":"all","start":418.795,"end":418.95502,"confidence":1.0,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.46567097306251526},{"word":"of","start":418.95502,"end":419.11502,"confidence":0.9589844,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4678567051887512},{"word":"the","start":419.11502,"end":419.27502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4538571536540985},{"word":"international","start":419.27502,"end":419.77502,"confidence":0.99902344,"punctuated_word":"international","sentiment":"positive","sentiment_score":0.38018038868904114},{"word":"shares","start":419.83502,"end":420.155,"confidence":0.98828125,"punctuated_word":"shares","sentiment":"positive","sentiment_score":0.3391748070716858},{"word":"across","start":420.155,"end":420.475,"confidence":1.0,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.4082700610160827},{"word":"the","start":420.475,"end":420.635,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39826327562332153},{"word":"different","start":420.635,"end":420.95502,"confidence":0.9980469,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.2890315055847168},{"word":"sectors","start":420.95502,"end":421.355,"confidence":0.9970703,"punctuated_word":"sectors","sentiment":"neutral","sentiment_score":0.2086411416530609},{"word":"are","start":421.355,"end":421.435,"confidence":0.90527344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3326396048069},{"word":"up","start":421.435,"end":421.595,"confidence":0.9951172,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.39774349331855774},{"word":"double","start":421.595,"end":421.915,"confidence":0.99902344,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.4044971466064453},{"word":"digits","start":421.915,"end":422.415,"confidence":0.7697754,"punctuated_word":"digits,","sentiment":"positive","sentiment_score":0.36580076813697815},{"word":"except","start":422.91,"end":423.15002,"confidence":0.9951172,"punctuated_word":"except","sentiment":"neutral","sentiment_score":0.16826672852039337},{"word":"the","start":423.15002,"end":423.31003,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25595006346702576},{"word":"old","start":423.31003,"end":423.63,"confidence":0.9838867,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.1041972041130066},{"word":"cybersecurity","start":423.63,"end":424.13,"confidence":0.70166016,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.14164339005947113},{"word":"is","start":424.27002,"end":424.35,"confidence":0.32299805,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19772182404994965},{"word":"only","start":424.35,"end":424.59003,"confidence":0.9160156,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.1088462769985199},{"word":"up","start":424.59003,"end":424.75,"confidence":0.97265625,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.20073728263378143},{"word":"5%","start":424.75,"end":425.39,"confidence":0.8886719,"punctuated_word":"5%,","sentiment":"neutral","sentiment_score":0.21677915751934052},{"word":"but","start":425.39,"end":425.63,"confidence":0.97314453,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13243573904037476},{"word":"that's","start":425.63,"end":425.87003,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16804471611976624},{"word":"kind","start":425.87003,"end":426.11002,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0940997749567032},{"word":"of","start":426.11002,"end":426.27002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19268403947353363},{"word":"like","start":426.27002,"end":426.77002,"confidence":0.8984375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12091052532196044},{"word":"a","start":426.91,"end":427.07,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19664058089256287},{"word":"way","start":427.07,"end":427.23,"confidence":0.67529297,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.18942353129386905},{"word":"for","start":427.23,"end":427.47,"confidence":0.68603516,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2196764051914215},{"word":"the","start":427.47,"end":427.63,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2896023392677307},{"word":"ai","start":427.63,"end":427.95,"confidence":1.0,"punctuated_word":"AI","sentiment":"neutral","sentiment_score":0.175527423620224},{"word":"thing","start":427.95,"end":428.19,"confidence":0.99316406,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.22044852375984192},{"word":"to","start":428.19,"end":428.27002,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24953526258468628},{"word":"kick","start":428.27002,"end":428.51,"confidence":1.0,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":0.1834268569946289},{"word":"in","start":428.51,"end":428.67,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1134856343269348},{"word":"before","start":428.67,"end":428.99002,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.054799675941467285},{"word":"people","start":428.99002,"end":429.31003,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.016623616218566895},{"word":"start","start":429.31003,"end":429.63,"confidence":0.984375,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.002498060464859009},{"word":"buying","start":429.63,"end":429.87003,"confidence":0.9873047,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.006214722990989685},{"word":"into","start":429.87003,"end":430.11002,"confidence":0.92822266,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06645490229129791},{"word":"that","start":430.11002,"end":430.61002,"confidence":0.9904785,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1207105666399002},{"word":"but","start":430.91,"end":431.15002,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02854837477207184},{"word":"the","start":431.15002,"end":431.23,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016819164156913757},{"word":"one","start":431.23,"end":431.47,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06842969357967377},{"word":"that's","start":431.47,"end":431.79,"confidence":0.9472656,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.07668782025575638},{"word":"dragged","start":431.79,"end":432.11002,"confidence":0.97314453,"punctuated_word":"dragged","sentiment":"neutral","sentiment_score":-0.18864260613918304},{"word":"it","start":432.11002,"end":432.27002,"confidence":0.9277344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.211988627910614},{"word":"down","start":432.27002,"end":432.51,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.18979525566101071},{"word":"the","start":432.51,"end":432.67,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15737035870552063},{"word":"most","start":432.67,"end":433.07,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.12748995423316956},{"word":"is","start":433.07,"end":433.23,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09037714451551436},{"word":"that","start":433.23,"end":433.31,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.053762517869472504},{"word":"can","start":433.39,"end":433.55002,"confidence":0.96972656,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.049788132309913635},{"word":"you","start":433.55002,"end":433.79,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008359596133232117},{"word":"see","start":433.79,"end":433.95,"confidence":0.9873047,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.00874258205294609},{"word":"in","start":433.95,"end":434.11002,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0029106922447681427},{"word":"the","start":434.11002,"end":434.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005400829017162323},{"word":"middle","start":434.19,"end":434.69,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.05048429220914841},{"word":"under","start":435.10498,"end":435.345,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.009494878351688383},{"word":"australian","start":435.345,"end":435.845,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.022412806749343872},{"word":"equity","start":435.905,"end":436.405,"confidence":0.68359375,"punctuated_word":"equity,","sentiment":"neutral","sentiment_score":-0.022502675652503967},{"word":"benelon","start":436.705,"end":437.205,"confidence":0.76432294,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.04064177721738815},{"word":"australian","start":437.425,"end":437.925,"confidence":0.47631836,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.011697620153427124},{"word":"equities","start":437.985,"end":438.485,"confidence":0.78515625,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":-0.007210852578282356},{"word":"fund","start":438.54498,"end":439.04498,"confidence":0.8376465,"punctuated_word":"Fund?","sentiment":"neutral","sentiment_score":0.0008916500955820084},{"word":"yep","start":441.985,"end":442.465,"confidence":0.85791016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0013598043005913496},{"word":"so","start":442.465,"end":442.705,"confidence":0.81933594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.033662326633930206},{"word":"that's","start":442.705,"end":442.94498,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09153588861227036},{"word":"the","start":442.94498,"end":443.10498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12938553094863892},{"word":"one","start":443.10498,"end":443.345,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.20425401628017423},{"word":"that","start":443.345,"end":443.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19837306439876556},{"word":"dropped","start":443.585,"end":443.905,"confidence":0.99609375,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.24519401788711548},{"word":"the","start":443.905,"end":444.145,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25107502937316895},{"word":"most","start":444.145,"end":444.645,"confidence":0.767334,"punctuated_word":"most,","sentiment":"neutral","sentiment_score":-0.23651456832885745},{"word":"17%","start":444.94498,"end":445.82498,"confidence":0.9975586,"punctuated_word":"17%","sentiment":"neutral","sentiment_score":-0.2934917211532593},{"word":"drop","start":445.82498,"end":446.145,"confidence":0.75146484,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.3135855197906494},{"word":"there","start":446.145,"end":446.54498,"confidence":0.9904785,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.21385884284973145},{"word":"that","start":446.54498,"end":446.785,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.2063419669866562},{"word":"was","start":446.785,"end":446.94498,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.20812378823757172},{"word":"a","start":446.94498,"end":447.025,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21895018219947815},{"word":"pretty","start":447.025,"end":447.345,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.15985922515392303},{"word":"big","start":447.345,"end":447.505,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.1434747874736786},{"word":"chunk","start":447.505,"end":447.82498,"confidence":1.0,"punctuated_word":"chunk","sentiment":"neutral","sentiment_score":-0.15684005618095398},{"word":"of","start":447.82498,"end":447.985,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11892348527908324},{"word":"the","start":447.985,"end":448.145,"confidence":0.9482422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04860520362854004},{"word":"silver","start":448.145,"end":448.465,"confidence":0.7861328,"punctuated_word":"silver.","sentiment":"neutral","sentiment_score":-0.03311185538768768},{"word":"that's","start":448.465,"end":448.705,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0014594297390431166},{"word":"your","start":448.705,"end":448.94498,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.001834288239479065},{"word":"australian","start":448.94498,"end":449.44498,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.002690158784389496},{"word":"shares","start":449.585,"end":450.085,"confidence":0.91186523,"punctuated_word":"shares.","sentiment":"neutral","sentiment_score":-0.04206109419465065},{"word":"do","start":450.95,"end":451.19,"confidence":0.9941406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.04063571617007256},{"word":"you","start":451.19,"end":451.43002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024916496127843857},{"word":"remember","start":451.43002,"end":451.93002,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.010272886604070663},{"word":"getting","start":451.99002,"end":452.39,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.03881761431694031},{"word":"in","start":452.39,"end":452.71002,"confidence":0.91748047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05098659917712211},{"word":"march","start":452.71002,"end":453.03003,"confidence":0.99902344,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.051448773592710495},{"word":"an","start":453.03003,"end":453.35,"confidence":0.98095703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04703780636191368},{"word":"email","start":453.35,"end":453.75,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.03988328576087952},{"word":"from","start":453.75,"end":453.99002,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.05576486140489578},{"word":"us","start":453.99002,"end":454.49002,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.017477523535490036},{"word":"called","start":454.95,"end":455.19,"confidence":0.56347656,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.03281746432185173},{"word":"a","start":455.19,"end":455.43002,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030360715463757515},{"word":"record","start":455.43002,"end":455.91,"confidence":0.98535156,"punctuated_word":"record","sentiment":"neutral","sentiment_score":-0.03935469686985016},{"word":"of","start":455.91,"end":456.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.033489275723695755},{"word":"advice","start":456.07,"end":456.57,"confidence":0.9902344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.04746270552277565},{"word":"or","start":456.71002,"end":456.95,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.038761503994464874},{"word":"an","start":456.95,"end":457.11002,"confidence":0.99121094,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05221516266465187},{"word":"roa","start":457.11002,"end":457.61002,"confidence":0.9469401,"punctuated_word":"ROA?","sentiment":"neutral","sentiment_score":-0.03383422642946243},{"word":"so","start":463.285,"end":463.445,"confidence":0.45007324,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.0006663184612989426},{"word":"basically","start":463.445,"end":463.845,"confidence":0.9970703,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.004064369946718216},{"word":"what","start":463.845,"end":464.085,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.009957514703273771},{"word":"happens","start":464.085,"end":464.585,"confidence":0.60253906,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.03702528774738312},{"word":"was","start":465.045,"end":465.545,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05576083064079285},{"word":"most","start":465.76498,"end":466.005,"confidence":0.83447266,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.005454540252685547},{"word":"of","start":466.005,"end":466.04498,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03142614662647247},{"word":"the","start":466.04498,"end":466.085,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020296581089496613},{"word":"time","start":466.085,"end":466.245,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.01347869634628296},{"word":"when","start":466.245,"end":466.485,"confidence":0.8071289,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.024416163563728333},{"word":"we","start":466.485,"end":466.565,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01370912790298462},{"word":"do","start":466.565,"end":466.725,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.013742685317993164},{"word":"a","start":466.725,"end":466.885,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0054349228739738464},{"word":"review","start":466.885,"end":467.285,"confidence":0.9951172,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.00661873072385788},{"word":"i","start":467.285,"end":467.525,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012719489634037018},{"word":"go","start":467.525,"end":467.685,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.01375310868024826},{"word":"through","start":467.685,"end":467.925,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.008429653942584991},{"word":"the","start":467.925,"end":468.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008625306189060211},{"word":"portfolio","start":468.085,"end":468.585,"confidence":0.76220703,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.03550073504447937},{"word":"see","start":468.645,"end":468.885,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.011928118765354156},{"word":"if","start":468.885,"end":468.965,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02468489110469818},{"word":"i","start":468.965,"end":469.045,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.048923708498477936},{"word":"need","start":469.045,"end":469.205,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0737210065126419},{"word":"to","start":469.205,"end":469.365,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0945115014910698},{"word":"update","start":469.365,"end":469.76498,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.059840403497219086},{"word":"any","start":469.76498,"end":469.925,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.05338672548532486},{"word":"options","start":469.925,"end":470.405,"confidence":0.96728516,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":-0.0511602982878685},{"word":"that","start":470.405,"end":470.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04659099876880646},{"word":"kind","start":470.565,"end":470.805,"confidence":0.9667969,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04254082590341568},{"word":"of","start":470.805,"end":470.965,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005806885659694672},{"word":"thing","start":470.965,"end":471.465,"confidence":0.81396484,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.016235295683145523},{"word":"and","start":471.525,"end":471.685,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02489534020423889},{"word":"we","start":471.685,"end":471.845,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.042388491332530975},{"word":"would","start":471.845,"end":472.085,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.031540438532829285},{"word":"send","start":472.085,"end":472.405,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.03601321578025818},{"word":"you","start":472.405,"end":472.645,"confidence":0.88061523,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.01987212523818016},{"word":"like","start":472.645,"end":473.04498,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0036731474101543422},{"word":"an","start":473.04498,"end":473.285,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05187838524580002},{"word":"updated","start":473.285,"end":473.76498,"confidence":0.9760742,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":-0.020361781120300293},{"word":"statement","start":473.76498,"end":474.165,"confidence":0.9951172,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.025423899292945865},{"word":"of","start":474.165,"end":474.245,"confidence":0.8510742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005927681922912598},{"word":"advice","start":474.245,"end":474.565,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.025961704552173615},{"word":"to","start":474.565,"end":474.645,"confidence":0.59472656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021761171519756317},{"word":"get","start":474.645,"end":474.805,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0351996123790741},{"word":"you","start":474.805,"end":474.965,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0011228173971176147},{"word":"to","start":474.965,"end":475.125,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020293258130550385},{"word":"sign","start":475.125,"end":475.365,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.05094410479068756},{"word":"off","start":475.365,"end":475.525,"confidence":0.9248047,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.035529725253582},{"word":"on","start":475.525,"end":475.685,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04162371903657913},{"word":"the","start":475.685,"end":475.845,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012553080916404724},{"word":"changes","start":475.845,"end":476.345,"confidence":0.99902344,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.003480687737464905},{"word":"in","start":477.52002,"end":477.68002,"confidence":0.99902344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.1080045998096466},{"word":"this","start":477.68002,"end":477.84003,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.195840522646904},{"word":"one","start":477.84003,"end":478.24002,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2742898464202881},{"word":"particular","start":478.24002,"end":478.72,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":-0.2655641436576843},{"word":"case","start":478.72,"end":479.22,"confidence":0.9995117,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":-0.23756510019302368},{"word":"this","start":479.68002,"end":479.92,"confidence":0.9951172,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.34679266810417175},{"word":"benelon","start":479.92,"end":480.42,"confidence":0.64591473,"punctuated_word":"Benelon","sentiment":"negative","sentiment_score":-0.4136682450771332},{"word":"option","start":480.48,"end":480.96002,"confidence":0.7060547,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.32248595356941223},{"word":"started","start":480.96002,"end":481.44,"confidence":0.9980469,"punctuated_word":"started","sentiment":"negative","sentiment_score":-0.49803996086120605},{"word":"shooting","start":481.44,"end":481.92,"confidence":1.0,"punctuated_word":"shooting","sentiment":"negative","sentiment_score":-0.5081852674484253},{"word":"down","start":481.92,"end":482.42,"confidence":1.0,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.4541386067867279},{"word":"a","start":482.64,"end":482.72,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.463051438331604},{"word":"lot","start":482.72,"end":482.96002,"confidence":1.0,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.3717556595802307},{"word":"quicker","start":482.96002,"end":483.46002,"confidence":1.0,"punctuated_word":"quicker","sentiment":"negative","sentiment_score":-0.3993547856807709},{"word":"than","start":483.76,"end":484.0,"confidence":0.99902344,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.42316001653671265},{"word":"all","start":484.0,"end":484.16,"confidence":1.0,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.367163598537445},{"word":"the","start":484.16,"end":484.32,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3585709035396576},{"word":"other","start":484.32,"end":484.64,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.2975488305091858},{"word":"australian","start":484.64,"end":485.12003,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.16613465547561646},{"word":"shares","start":485.12003,"end":485.44,"confidence":0.9760742,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.25418511033058167},{"word":"options","start":485.44,"end":485.84003,"confidence":0.9941406,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.2440582513809204},{"word":"that","start":485.84003,"end":486.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22262655198574063},{"word":"are","start":486.0,"end":486.08002,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.27062225341796875},{"word":"out","start":486.08002,"end":486.24002,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.20039328932762143},{"word":"there","start":486.24002,"end":486.74002,"confidence":0.9597168,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.18414947390556335},{"word":"so","start":487.04,"end":487.54,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08500667661428452},{"word":"we","start":487.68002,"end":487.92,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2720739245414734},{"word":"made","start":487.92,"end":488.08002,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.3294143080711365},{"word":"a","start":488.08002,"end":488.24002,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4086446464061737},{"word":"decision","start":488.24002,"end":488.72,"confidence":1.0,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.29028913378715515},{"word":"across","start":488.72,"end":489.04,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.24081850051879883},{"word":"the","start":489.04,"end":489.2,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2811664938926697},{"word":"entire","start":489.2,"end":489.52002,"confidence":1.0,"punctuated_word":"entire","sentiment":"neutral","sentiment_score":0.26074081659317017},{"word":"client","start":489.52002,"end":489.84003,"confidence":0.96972656,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.22904019057750705},{"word":"base","start":489.84003,"end":490.24002,"confidence":0.99316406,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.23400765657424927},{"word":"at","start":490.24002,"end":490.40002,"confidence":0.98095703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.28109967708587646},{"word":"a","start":490.40002,"end":490.56003,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3244478702545166},{"word":"life","start":490.56003,"end":490.96002,"confidence":0.2088623,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2617870271205902},{"word":"level","start":490.96002,"end":491.46002,"confidence":0.83203125,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.3014224171638489},{"word":"to","start":491.985,"end":492.225,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32488036155700684},{"word":"replace","start":492.225,"end":492.625,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.2359558641910553},{"word":"that","start":492.625,"end":492.865,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26965224742889404},{"word":"one","start":492.865,"end":493.365,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2153742015361786},{"word":"for","start":493.425,"end":493.665,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2773837447166443},{"word":"all","start":493.665,"end":493.905,"confidence":0.9873047,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.35996147990226746},{"word":"clients","start":493.905,"end":494.305,"confidence":0.9902344,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.21691423654556272},{"word":"straight","start":494.305,"end":494.625,"confidence":0.99902344,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.3799718320369721},{"word":"away","start":494.625,"end":495.125,"confidence":0.7155762,"punctuated_word":"away.","sentiment":"positive","sentiment_score":0.3359421193599701},{"word":"and","start":495.585,"end":496.085,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3113385736942291},{"word":"we","start":496.305,"end":496.54498,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.34946349263191223},{"word":"basically","start":496.54498,"end":497.025,"confidence":0.85595703,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.26547375321388245},{"word":"sold","start":497.025,"end":497.26498,"confidence":0.9316406,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":0.24512307345867157},{"word":"that","start":497.26498,"end":497.425,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26847344636917114},{"word":"one","start":497.425,"end":497.665,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.24654318392276764},{"word":"off","start":497.665,"end":497.905,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.22919563949108124},{"word":"and","start":497.905,"end":498.065,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2006214410066605},{"word":"moved","start":498.065,"end":498.305,"confidence":0.9863281,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":0.2654816806316376},{"word":"you","start":498.305,"end":498.465,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3024052083492279},{"word":"into","start":498.465,"end":498.705,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.21919186413288116},{"word":"the","start":498.705,"end":498.785,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2916524112224579},{"word":"one","start":498.785,"end":499.10498,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2842774987220764},{"word":"that's","start":499.10498,"end":499.26498,"confidence":0.9099121,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.25733643770217896},{"word":"underneath","start":499.26498,"end":499.665,"confidence":1.0,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.2274419665336609},{"word":"it","start":499.665,"end":500.145,"confidence":0.9851074,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.20629896223545072},{"word":"which","start":500.145,"end":500.385,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2437543272972107},{"word":"is","start":500.385,"end":500.54498,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22044047713279724},{"word":"the","start":500.54498,"end":500.705,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27047625184059143},{"word":"beta","start":500.705,"end":501.10498,"confidence":0.73779297,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.18997447192668915},{"word":"shares","start":501.10498,"end":501.585,"confidence":0.9038086,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.16604746878147125},{"word":"200","start":501.585,"end":502.305,"confidence":0.9658203,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.20272549986839297},{"word":"etf","start":502.305,"end":502.805,"confidence":0.8022461,"punctuated_word":"ETF,","sentiment":"neutral","sentiment_score":0.174725741147995},{"word":"if","start":502.945,"end":503.10498,"confidence":0.9116211,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22145675122737885},{"word":"you","start":503.10498,"end":503.26498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15567068755626678},{"word":"can","start":503.26498,"end":503.505,"confidence":0.93115234,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14801107347011566},{"word":"see","start":503.505,"end":503.665,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15646453201770782},{"word":"that","start":503.665,"end":503.905,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1913021355867386},{"word":"there","start":503.905,"end":504.39,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14467191696166992},{"word":"so","start":505.19,"end":505.43002,"confidence":0.99609375,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4202560782432556},{"word":"that's","start":505.43002,"end":505.67,"confidence":0.9916992,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.52634596824646},{"word":"only","start":505.67,"end":505.99002,"confidence":0.95947266,"punctuated_word":"only","sentiment":"positive","sentiment_score":0.38653838634490967},{"word":"been","start":505.99002,"end":506.23,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.3755560219287872},{"word":"running","start":506.23,"end":506.47,"confidence":1.0,"punctuated_word":"running","sentiment":"positive","sentiment_score":0.4648529291152954},{"word":"since","start":506.47,"end":506.79,"confidence":1.0,"punctuated_word":"since","sentiment":"positive","sentiment_score":0.466955691576004},{"word":"march","start":506.79,"end":507.03003,"confidence":0.82055664,"punctuated_word":"March,","sentiment":"positive","sentiment_score":0.43363896012306213},{"word":"so","start":507.03003,"end":507.27002,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.39179766178131104},{"word":"it","start":507.27002,"end":507.35,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7131935358047485},{"word":"has","start":507.35,"end":507.59003,"confidence":0.99902344,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6315833330154419},{"word":"picked","start":507.59003,"end":507.75,"confidence":1.0,"punctuated_word":"picked","sentiment":"positive","sentiment_score":0.7335948944091797},{"word":"up","start":507.75,"end":507.91,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6907486319541931},{"word":"a","start":507.91,"end":508.07,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6666164398193359},{"word":"couple","start":508.07,"end":508.31003,"confidence":1.0,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.5523297190666199},{"word":"of","start":508.31003,"end":508.39,"confidence":0.9873047,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5889053344726562},{"word":"percent","start":508.39,"end":508.79,"confidence":0.9770508,"punctuated_word":"percent,","sentiment":"positive","sentiment_score":0.6521967649459839},{"word":"which","start":508.79,"end":508.95,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7049952149391174},{"word":"is","start":508.95,"end":509.19,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7401546835899353},{"word":"good","start":509.19,"end":509.69,"confidence":0.96118164,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5802856683731079},{"word":"but","start":509.83002,"end":510.15002,"confidence":0.7590332,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.26748478412628174},{"word":"basically","start":510.15002,"end":510.65002,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.23800036311149597},{"word":"what","start":510.71002,"end":510.87003,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.28016284108161926},{"word":"that's","start":510.87003,"end":511.27002,"confidence":0.9914551,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.31672823429107666},{"word":"done","start":511.27002,"end":511.77002,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2949828505516052},{"word":"is","start":512.07,"end":512.39,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2493804097175598},{"word":"you've","start":512.39,"end":512.63,"confidence":0.8833008,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.352319598197937},{"word":"switched","start":512.63,"end":513.03,"confidence":0.9941406,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":0.2597530782222748},{"word":"from","start":513.03,"end":513.19,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.21823523938655853},{"word":"an","start":513.19,"end":513.43,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19371071457862857},{"word":"active","start":513.43,"end":513.83,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.17919029295444489},{"word":"option","start":513.83,"end":514.33,"confidence":0.98095703,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.18224702775478363},{"word":"to","start":514.63,"end":514.79004,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22508834302425385},{"word":"a","start":514.79004,"end":514.95,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22857123613357544},{"word":"passive","start":514.95,"end":515.43,"confidence":0.99902344,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.13423283398151398},{"word":"option","start":515.43,"end":515.67004,"confidence":0.99121094,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.1736033409833908},{"word":"with","start":515.67004,"end":515.91003,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27599215507507324},{"word":"a","start":515.91003,"end":515.99,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30097484588623047},{"word":"lot","start":515.99,"end":516.23004,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.332680881023407},{"word":"lower","start":516.23004,"end":516.47003,"confidence":0.9941406,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.21140877902507785},{"word":"fees","start":516.47003,"end":516.97003,"confidence":0.7495117,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.24082031846046448},{"word":"going","start":517.715,"end":518.03503,"confidence":0.5805664,"punctuated_word":"Going","sentiment":"neutral","sentiment_score":0.16717523336410522},{"word":"from","start":518.03503,"end":518.11505,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.3535767197608948},{"word":"about","start":518.11505,"end":518.43506,"confidence":0.8183594,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.3169597089290619},{"word":"1%","start":518.43506,"end":518.99506,"confidence":1.0,"punctuated_word":"1%","sentiment":"positive","sentiment_score":0.3803902268409729},{"word":"fee","start":518.99506,"end":519.23505,"confidence":0.9707031,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.4100922048091888},{"word":"to","start":519.23505,"end":519.395,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35483449697494507},{"word":"about","start":519.395,"end":519.715,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2872241139411926},{"word":"0.2","start":519.715,"end":520.775,"confidence":0.93513995,"punctuated_word":"0.2,","sentiment":"neutral","sentiment_score":0.33240818977355957},{"word":"and","start":520.99506,"end":521.23505,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3998830616474152},{"word":"the","start":521.23505,"end":521.395,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5115833282470703},{"word":"performance","start":521.395,"end":521.895,"confidence":1.0,"punctuated_word":"performance","sentiment":"positive","sentiment_score":0.5325376987457275},{"word":"on","start":521.955,"end":522.03503,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6157920956611633},{"word":"that","start":522.03503,"end":522.53503,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6343923211097717},{"word":"miles","start":522.755,"end":523.23505,"confidence":0.4807129,"punctuated_word":"miles","sentiment":"positive","sentiment_score":0.6541897058486938},{"word":"better","start":523.23505,"end":523.73505,"confidence":0.9980469,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.592573881149292},{"word":"over","start":523.955,"end":524.11505,"confidence":0.99902344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5844998359680176},{"word":"the","start":524.11505,"end":524.275,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.49708664417266846},{"word":"last","start":524.275,"end":524.515,"confidence":1.0,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.3608050346374512},{"word":"one","start":524.515,"end":524.755,"confidence":0.9177246,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.2913920283317566},{"word":"three","start":524.755,"end":525.075,"confidence":0.9951172,"punctuated_word":"three,","sentiment":"positive","sentiment_score":0.33614233136177063},{"word":"five","start":525.075,"end":525.395,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.3321688175201416},{"word":"years","start":525.395,"end":525.895,"confidence":0.99902344,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.2954360246658325},{"word":"so","start":527.635,"end":527.79504,"confidence":0.9243164,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1382286250591278},{"word":"the","start":527.79504,"end":528.03503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12492652982473372},{"word":"first","start":528.03503,"end":528.275,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.1080968827009201},{"word":"question","start":528.275,"end":528.67505,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.09569350630044936},{"word":"i","start":528.67505,"end":528.835,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015490695834159853},{"word":"had","start":528.835,"end":529.075,"confidence":0.9716797,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.004426255822181702},{"word":"for","start":529.075,"end":529.23505,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.004999727010726929},{"word":"you","start":529.23505,"end":529.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013384826481342316},{"word":"was","start":530.0,"end":530.5,"confidence":0.8522949,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.02827078104019165},{"word":"are","start":530.56,"end":530.72,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08700831234455109},{"word":"you","start":530.72,"end":530.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05716775357723236},{"word":"generally","start":530.96,"end":531.46,"confidence":0.9707031,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.007858216762542725},{"word":"okay","start":531.52,"end":532.0,"confidence":0.9980469,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.027094513177871704},{"word":"with","start":532.0,"end":532.24,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07134579867124557},{"word":"that","start":532.24,"end":532.48,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04243443161249161},{"word":"kind","start":532.48,"end":532.72,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05015099048614502},{"word":"of","start":532.72,"end":532.88,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03280089795589447},{"word":"high","start":532.88,"end":533.12,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.0429658442735672},{"word":"growth","start":533.12,"end":533.52,"confidence":0.96875,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.017273306846618652},{"word":"risk","start":533.52,"end":533.76,"confidence":0.9838867,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.11157038807868958},{"word":"level","start":533.76,"end":534.16,"confidence":0.86621094,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.05413442850112915},{"word":"still","start":534.16,"end":534.48,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.14037656784057617},{"word":"in","start":534.48,"end":534.56,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11016105115413666},{"word":"terms","start":534.56,"end":534.8,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.049997538328170776},{"word":"of","start":534.8,"end":535.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10831094533205032},{"word":"goes","start":535.6,"end":535.83997,"confidence":0.80615234,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.09029161185026167},{"word":"up","start":535.83997,"end":536.08,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.033132508397102356},{"word":"ten","start":536.08,"end":536.39996,"confidence":0.9760742,"punctuated_word":"ten,","sentiment":"neutral","sentiment_score":-0.045634761452674866},{"word":"twenty","start":536.39996,"end":536.8,"confidence":0.9980469,"punctuated_word":"twenty,","sentiment":"neutral","sentiment_score":-0.0426550954580307},{"word":"40%","start":536.8,"end":537.83997,"confidence":0.9261882,"punctuated_word":"40%,","sentiment":"neutral","sentiment_score":-0.08294722437858582},{"word":"market","start":537.83997,"end":538.24,"confidence":0.9970703,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.3271413743495941},{"word":"crashes","start":538.24,"end":538.64,"confidence":0.81518555,"punctuated_word":"crashes,","sentiment":"neutral","sentiment_score":-0.1661149263381958},{"word":"it","start":538.64,"end":538.8,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09315214306116104},{"word":"goes","start":538.8,"end":539.12,"confidence":0.98828125,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.07751664519309998},{"word":"down","start":539.12,"end":539.6,"confidence":0.8869629,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.05685541033744812},{"word":"and","start":539.6,"end":539.83997,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08718249946832657},{"word":"just","start":539.83997,"end":540.08,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.029162950813770298},{"word":"keep","start":540.08,"end":540.32,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.06716486811637878},{"word":"on","start":540.32,"end":540.82,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.002752929925918579},{"word":"buying","start":541.44,"end":541.76,"confidence":0.99902344,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.025837212800979618},{"word":"into","start":541.76,"end":542.16,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05819016695022583},{"word":"the","start":542.16,"end":542.32,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07075833529233932},{"word":"market","start":542.32,"end":542.82,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.11074016988277437},{"word":"long","start":542.88,"end":543.2,"confidence":0.9951172,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.04806845635175705},{"word":"term","start":543.2,"end":543.52,"confidence":0.9970703,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.0795680433511734},{"word":"to","start":543.52,"end":543.68,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08423681557178497},{"word":"get","start":543.68,"end":543.83997,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17393983900547028},{"word":"the","start":543.83997,"end":544.0,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15701022744178772},{"word":"high","start":544.0,"end":544.16,"confidence":0.7578125,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.15835407376289368},{"word":"returns","start":544.16,"end":544.66,"confidence":0.8527832,"punctuated_word":"returns?","sentiment":"neutral","sentiment_score":0.11318400502204896},{"word":"is","start":545.33496,"end":545.495,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.027094641700387},{"word":"that","start":545.495,"end":545.995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.020184867084026337},{"word":"an","start":546.21497,"end":546.455,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.052857376635074615},{"word":"idea","start":546.455,"end":546.695,"confidence":0.99902344,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.06444977223873138},{"word":"that","start":546.695,"end":546.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04646178334951401},{"word":"you're","start":546.855,"end":547.015,"confidence":0.87939453,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.020885154604911804},{"word":"still","start":547.015,"end":547.175,"confidence":0.9160156,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.01388205587863922},{"word":"comfortable","start":547.175,"end":547.575,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.0059677958488464355},{"word":"with","start":547.575,"end":548.075,"confidence":0.9980469,"punctuated_word":"with?","sentiment":"neutral","sentiment_score":-0.00799335166811943},{"word":"yep","start":561.43,"end":561.93,"confidence":0.6960449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01188611052930355},{"word":"so","start":565.99,"end":566.47003,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.014944933354854584},{"word":"generally","start":566.47003,"end":566.95,"confidence":0.61035156,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.03331521153450012},{"word":"speaking","start":566.95,"end":567.45,"confidence":0.98657227,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":-0.012108005583286284},{"word":"if","start":567.67,"end":568.07,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01961308717727661},{"word":"it","start":568.31,"end":568.47003,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.011379443109035492},{"word":"depends","start":568.47003,"end":568.79,"confidence":0.61328125,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.03423067182302475},{"word":"on","start":568.79,"end":568.95,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0355357751250267},{"word":"the","start":568.95,"end":569.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003840014338493347},{"word":"retirement","start":569.11,"end":569.51,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.011777400970458984},{"word":"goal","start":569.51,"end":569.67,"confidence":0.9309082,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":-0.0016462281346321106},{"word":"right","start":569.67,"end":569.91,"confidence":0.9890137,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.007597703486680984},{"word":"if","start":569.91,"end":569.99,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.034721992909908295},{"word":"you're","start":569.99,"end":570.23,"confidence":0.9914551,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.007474812678992748},{"word":"trying","start":570.23,"end":570.47003,"confidence":0.99609375,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.016064539551734924},{"word":"to","start":570.47003,"end":570.55,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.025318630039691925},{"word":"retire","start":570.55,"end":570.95,"confidence":0.99902344,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.004853248596191406},{"word":"earlier","start":570.95,"end":571.45,"confidence":0.9980469,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":-0.024517685174942017},{"word":"with","start":571.745,"end":572.065,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.025772586464881897},{"word":"a","start":572.065,"end":572.14496,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03751015663146973},{"word":"higher","start":572.14496,"end":572.38495,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.05931404232978821},{"word":"balance","start":572.38495,"end":572.88495,"confidence":0.9975586,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.0361328087747097},{"word":"you've","start":572.945,"end":573.26495,"confidence":0.8083496,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.032020293176174164},{"word":"got","start":573.26495,"end":573.345,"confidence":0.62402344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.009383052587509155},{"word":"to","start":573.345,"end":573.425,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007493585348129272},{"word":"kind","start":573.425,"end":573.665,"confidence":0.94628906,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0054658204317092896},{"word":"of","start":573.665,"end":573.745,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0009456127882003784},{"word":"grow","start":573.745,"end":573.985,"confidence":0.9116211,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.04981952905654907},{"word":"up","start":573.985,"end":574.065,"confidence":0.7290039,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05462920665740967},{"word":"fast","start":574.065,"end":574.38495,"confidence":0.9970703,"punctuated_word":"fast","sentiment":"neutral","sentiment_score":0.09529675543308258},{"word":"enough","start":574.38495,"end":574.625,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.06530757248401642},{"word":"to","start":574.625,"end":574.785,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029902935028076172},{"word":"have","start":574.785,"end":574.945,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03959260135889053},{"word":"enough","start":574.945,"end":575.26495,"confidence":0.99609375,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.0406312569975853},{"word":"there","start":575.26495,"end":575.505,"confidence":0.9658203,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07039467990398407},{"word":"to","start":575.505,"end":575.665,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07565979659557343},{"word":"retire","start":575.665,"end":576.065,"confidence":0.9970703,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.06790418177843094},{"word":"on","start":576.065,"end":576.46497,"confidence":0.76000977,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.03861103951931},{"word":"but","start":576.46497,"end":576.625,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04109618067741394},{"word":"you","start":576.625,"end":576.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09639976918697356},{"word":"don't","start":576.785,"end":576.945,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09471460431814194},{"word":"wanna","start":576.945,"end":577.185,"confidence":0.57373047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.138689786195755},{"word":"be","start":577.185,"end":577.425,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1825549155473709},{"word":"sitting","start":577.425,"end":577.745,"confidence":0.99902344,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.2836158275604248},{"word":"there","start":577.745,"end":578.065,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.26501476764678955},{"word":"in","start":578.065,"end":578.565,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.24571579694747925},{"word":"a","start":578.785,"end":578.865,"confidence":0.8520508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2122369408607483},{"word":"high","start":578.865,"end":579.105,"confidence":0.9902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.20966486632823944},{"word":"risk","start":579.105,"end":579.425,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.18964794278144836},{"word":"level","start":579.425,"end":579.925,"confidence":0.8378906,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":-0.21027740836143496},{"word":"and","start":580.065,"end":580.305,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16445186734199524},{"word":"you're","start":580.305,"end":580.545,"confidence":0.98950195,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1219666600227356},{"word":"64","start":580.545,"end":581.185,"confidence":0.99902344,"punctuated_word":"64","sentiment":"neutral","sentiment_score":-0.10814056545495988},{"word":"and","start":581.185,"end":581.345,"confidence":0.62939453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11768171936273576},{"word":"the","start":581.345,"end":581.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0990404412150383},{"word":"market","start":581.505,"end":581.985,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.08678923547267914},{"word":"wipes","start":581.985,"end":582.225,"confidence":0.9267578,"punctuated_word":"wipes","sentiment":"neutral","sentiment_score":-0.06212268024682999},{"word":"throughout","start":582.225,"end":582.545,"confidence":0.77246094,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":-0.07728243619203568},{"word":"just","start":582.545,"end":582.785,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08145280927419662},{"word":"before","start":582.785,"end":583.105,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.14861208200454712},{"word":"you","start":583.105,"end":583.26495,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07658777385950089},{"word":"ever","start":583.26495,"end":583.58496,"confidence":0.7993164,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.06798355281352997},{"word":"retire","start":583.58496,"end":584.08496,"confidence":0.9970703,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":-0.04948164522647858},{"word":"so","start":586.35,"end":586.67,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.014316171407699583},{"word":"it","start":586.67,"end":586.75,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.005953803658485413},{"word":"depends","start":586.75,"end":587.23,"confidence":0.99902344,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.0359584242105484},{"word":"on","start":587.23,"end":587.55,"confidence":0.9802246,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.0015665777027606964},{"word":"i","start":587.55,"end":587.71,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01827958971261978},{"word":"guess","start":587.71,"end":587.95,"confidence":0.97216797,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.012298069894313812},{"word":"like","start":587.95,"end":588.19,"confidence":0.76293945,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.009985711425542831},{"word":"time","start":588.19,"end":588.35,"confidence":0.94921875,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05048114061355591},{"word":"frames","start":588.35,"end":588.85,"confidence":0.56689453,"punctuated_word":"frames","sentiment":"neutral","sentiment_score":0.05608758330345154},{"word":"and","start":589.15,"end":589.65,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04804515838623047},{"word":"the","start":589.71,"end":589.95,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0427040159702301},{"word":"retirement","start":589.95,"end":590.45,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.043363407254219055},{"word":"goal","start":590.51,"end":591.01,"confidence":0.94677734,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":0.04883299767971039},{"word":"so","start":591.23,"end":591.63,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.052758000791072845},{"word":"for","start":591.63,"end":591.79,"confidence":0.9526367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07815283536911011},{"word":"you","start":591.79,"end":592.11,"confidence":0.99121094,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.10047078132629396},{"word":"you","start":592.11,"end":592.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1298844814300537},{"word":"still","start":592.35,"end":592.59,"confidence":0.7441406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13899964094161987},{"word":"got","start":592.59,"end":592.91,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.148860365152359},{"word":"a","start":592.91,"end":593.15,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11216004192829132},{"word":"pretty","start":593.15,"end":593.63,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14704689383506775},{"word":"good","start":593.63,"end":594.13,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.14473706483840942},{"word":"time","start":594.43,"end":594.67,"confidence":0.9633789,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2196062803268433},{"word":"frame","start":594.67,"end":595.07,"confidence":1.0,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.1730179786682129},{"word":"behind","start":595.07,"end":595.39,"confidence":1.0,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":0.12816131114959717},{"word":"you","start":595.39,"end":595.89,"confidence":0.9941406,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10998383164405824},{"word":"basically","start":596.685,"end":597.185,"confidence":0.9980469,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.030768442898988724},{"word":"are","start":597.405,"end":597.645,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03645492345094681},{"word":"you","start":597.645,"end":597.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05661822855472565},{"word":"looking","start":597.805,"end":598.125,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06153731048107147},{"word":"to","start":598.125,"end":598.625,"confidence":0.72839355,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.07144710421562195},{"word":"you","start":599.005,"end":599.245,"confidence":0.9160156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05420621484518051},{"word":"know","start":599.245,"end":599.565,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0414351262152195},{"word":"retire","start":599.565,"end":599.965,"confidence":0.9819336,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.1084597185254097},{"word":"as","start":599.965,"end":600.205,"confidence":0.98095703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09493204951286316},{"word":"early","start":600.205,"end":600.445,"confidence":0.99902344,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.129348024725914},{"word":"as","start":600.445,"end":600.60504,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04581119120121002},{"word":"possible","start":600.60504,"end":600.925,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.04688337445259094},{"word":"at","start":600.925,"end":601.16504,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08250459283590317},{"word":"60","start":601.16504,"end":601.645,"confidence":0.9980469,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.1734323501586914},{"word":"when","start":601.645,"end":601.885,"confidence":0.9223633,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09764919430017471},{"word":"you","start":601.885,"end":601.965,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10271277278661728},{"word":"can","start":601.965,"end":602.205,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09792274981737135},{"word":"access","start":602.205,"end":602.525,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.1336885541677475},{"word":"this","start":602.525,"end":602.685,"confidence":0.72021484,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10131406038999556},{"word":"so","start":602.685,"end":602.925,"confidence":0.43066406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0980265811085701},{"word":"far","start":602.925,"end":603.405,"confidence":0.80029297,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.046608246862888336},{"word":"a","start":603.405,"end":603.565,"confidence":0.6870117,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.06341096758842468},{"word":"goal","start":603.565,"end":603.685,"confidence":0.9472656,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":-0.027537532150745392},{"word":"a","start":603.685,"end":603.805,"confidence":0.49951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0762166678905487},{"word":"little","start":603.805,"end":604.125,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09406694024801254},{"word":"bit","start":604.125,"end":604.365,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.12034489959478378},{"word":"slow","start":604.365,"end":604.60504,"confidence":0.9790039,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":0.000284537672996521},{"word":"and","start":604.60504,"end":604.765,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010560832917690275},{"word":"steady","start":604.765,"end":605.16504,"confidence":0.9980469,"punctuated_word":"steady","sentiment":"neutral","sentiment_score":0.058906733989715576},{"word":"towards","start":605.16504,"end":605.565,"confidence":0.94140625,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.01298128068447113},{"word":"67","start":605.565,"end":606.525,"confidence":0.927124,"punctuated_word":"67.","sentiment":"neutral","sentiment_score":0.02579825185239315},{"word":"where","start":606.525,"end":606.765,"confidence":0.87890625,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.06400386989116669},{"word":"do","start":606.765,"end":606.925,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08535141497850418},{"word":"you","start":606.925,"end":607.005,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04963669925928116},{"word":"kinda","start":607.005,"end":607.325,"confidence":0.73046875,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.06537328660488129},{"word":"lean","start":607.325,"end":607.565,"confidence":0.7207031,"punctuated_word":"lean","sentiment":"neutral","sentiment_score":-0.04697250574827194},{"word":"between","start":607.565,"end":607.885,"confidence":0.99316406,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.060684241354465485},{"word":"the","start":607.885,"end":608.04504,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0597807914018631},{"word":"two","start":608.04504,"end":608.54504,"confidence":0.99560547,"punctuated_word":"two?","sentiment":"neutral","sentiment_score":-0.06762711703777313},{"word":"like","start":613.64996,"end":614.05,"confidence":0.90844727,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.07449764013290405},{"word":"win","start":614.05,"end":614.29,"confidence":0.8569336,"punctuated_word":"win","sentiment":"neutral","sentiment_score":-0.08558445423841476},{"word":"the","start":614.29,"end":614.45,"confidence":0.94970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15285265445709229},{"word":"lotto","start":614.45,"end":614.76996,"confidence":0.83447266,"punctuated_word":"lotto","sentiment":"neutral","sentiment_score":-0.06096697971224785},{"word":"tomorrow","start":614.76996,"end":615.26996,"confidence":0.63220215,"punctuated_word":"tomorrow,","sentiment":"neutral","sentiment_score":-0.08662567287683487},{"word":"out","start":615.49,"end":615.64996,"confidence":0.6191406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11352268606424332},{"word":"of","start":615.64996,"end":615.73,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14668335020542145},{"word":"work","start":615.73,"end":616.05,"confidence":0.9760742,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.18495312333106995},{"word":"sort","start":616.05,"end":616.20996,"confidence":0.5336914,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1053890585899353},{"word":"of","start":616.20996,"end":616.37,"confidence":0.8574219,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1037689745426178},{"word":"thing","start":616.37,"end":616.87,"confidence":0.5822754,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":-0.07968369126319885},{"word":"that's","start":621.665,"end":621.985,"confidence":0.9316406,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5145617723464966},{"word":"the","start":621.985,"end":622.145,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42906925082206726},{"word":"one","start":622.145,"end":622.545,"confidence":0.98950195,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.3916466236114502},{"word":"look","start":622.545,"end":622.785,"confidence":0.8034668,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.1484542191028595},{"word":"funnily","start":622.785,"end":623.265,"confidence":0.95996094,"punctuated_word":"Funnily","sentiment":"neutral","sentiment_score":0.1476464569568634},{"word":"enough","start":623.265,"end":623.665,"confidence":0.9794922,"punctuated_word":"enough,","sentiment":"neutral","sentiment_score":0.083199143409729},{"word":"that","start":623.665,"end":623.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03674706444144249},{"word":"question","start":623.905,"end":624.405,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.04539399966597557},{"word":"over","start":624.865,"end":625.265,"confidence":0.6074219,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.01818824931979179},{"word":"my","start":625.265,"end":625.425,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.012258168309926988},{"word":"twelve","start":625.425,"end":625.745,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.004194725304841995},{"word":"years","start":625.745,"end":626.245,"confidence":0.9873047,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.02031389996409416},{"word":"is","start":626.705,"end":626.865,"confidence":0.7451172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.020798711106181145},{"word":"at","start":626.865,"end":627.105,"confidence":0.796875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.013402272015810013},{"word":"a","start":627.105,"end":627.185,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033658452332019806},{"word":"fifty","start":627.185,"end":627.505,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.04293249174952507},{"word":"fifty","start":627.505,"end":627.905,"confidence":0.95166016,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.04144208878278732},{"word":"answer","start":627.905,"end":628.405,"confidence":0.9980469,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.017903178930282593},{"word":"where","start":628.625,"end":629.025,"confidence":0.59521484,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.022285833954811096},{"word":"half","start":629.025,"end":629.265,"confidence":0.9980469,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.026205703616142273},{"word":"the","start":629.265,"end":629.425,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04304446280002594},{"word":"country","start":629.425,"end":629.825,"confidence":0.9980469,"punctuated_word":"country","sentiment":"neutral","sentiment_score":0.022301629185676575},{"word":"says","start":629.825,"end":629.985,"confidence":0.9941406,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.04774191603064537},{"word":"if","start":629.985,"end":630.145,"confidence":0.58984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03812284767627716},{"word":"i","start":630.145,"end":630.225,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024250678718090057},{"word":"won","start":630.225,"end":630.465,"confidence":0.9326172,"punctuated_word":"won","sentiment":"neutral","sentiment_score":0.10394167900085448},{"word":"the","start":630.465,"end":630.625,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08467724919319153},{"word":"lotto","start":630.625,"end":630.945,"confidence":0.79695636,"punctuated_word":"lotto,","sentiment":"neutral","sentiment_score":0.07297244668006897},{"word":"i'm","start":630.945,"end":631.105,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.026815060526132584},{"word":"out","start":631.105,"end":631.265,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05955463647842407},{"word":"of","start":631.265,"end":631.425,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.060759298503398895},{"word":"the","start":631.425,"end":631.505,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07683773338794708},{"word":"rat","start":631.505,"end":631.745,"confidence":0.9350586,"punctuated_word":"rat","sentiment":"neutral","sentiment_score":-0.06690928339958191},{"word":"race","start":631.745,"end":632.225,"confidence":0.79248047,"punctuated_word":"race,","sentiment":"neutral","sentiment_score":-0.032515015453100204},{"word":"and","start":632.225,"end":632.465,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004575133323669434},{"word":"the","start":632.465,"end":632.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01561686396598816},{"word":"other","start":632.625,"end":632.865,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.00024450570344924927},{"word":"half","start":632.865,"end":633.185,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.003775656223297119},{"word":"says","start":633.185,"end":633.685,"confidence":0.9980469,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.010130584239959717},{"word":"i","start":633.72,"end":633.87994,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.029560282826423645},{"word":"would","start":633.87994,"end":634.12,"confidence":0.64404297,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03281363844871521},{"word":"know","start":634.12,"end":634.16,"confidence":0.9194336,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06660953164100647},{"word":"what","start":634.16,"end":634.19995,"confidence":0.9550781,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0691431388258934},{"word":"to","start":634.19995,"end":634.43994,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.035671621561050415},{"word":"do","start":634.43994,"end":634.6,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.018190495669841766},{"word":"with","start":634.6,"end":634.75995,"confidence":0.93359375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.011622525751590729},{"word":"myself","start":634.75995,"end":635.16,"confidence":0.9885254,"punctuated_word":"myself.","sentiment":"neutral","sentiment_score":0.02768363431096077},{"word":"i","start":635.16,"end":635.31995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07573696970939636},{"word":"always","start":635.31995,"end":635.56,"confidence":0.9970703,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.10902030766010284},{"word":"wanna","start":635.56,"end":635.8,"confidence":0.8198242,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15348577499389648},{"word":"be","start":635.8,"end":635.95996,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12235282361507416},{"word":"doing","start":635.95996,"end":636.27997,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.13582605123519895},{"word":"something","start":636.27997,"end":636.77997,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.16325417160987854},{"word":"even","start":637.0,"end":637.24,"confidence":0.9091797,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.08427823334932327},{"word":"if","start":637.24,"end":637.39996,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09976859390735626},{"word":"it's","start":637.39996,"end":637.72,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07064945995807648},{"word":"part","start":637.72,"end":637.87994,"confidence":0.99609375,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.05650871992111206},{"word":"time","start":637.87994,"end":638.37994,"confidence":0.9951172,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.07346126437187195},{"word":"so","start":638.6,"end":639.1,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0384080596268177},{"word":"i","start":639.16,"end":639.39996,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028894484043121334},{"word":"kind","start":639.39996,"end":639.63995,"confidence":0.9770508,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.035710256546735764},{"word":"of","start":639.63995,"end":639.72,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.053678061813116074},{"word":"use","start":639.72,"end":639.87994,"confidence":0.9633789,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.05779363587498665},{"word":"that","start":639.87994,"end":640.12,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05848880857229233},{"word":"as","start":640.12,"end":640.19995,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.038536109030246735},{"word":"a","start":640.19995,"end":640.27997,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.027650032192468643},{"word":"bit","start":640.27997,"end":640.51996,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02465485781431198},{"word":"of","start":640.51996,"end":640.6,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02424030378460884},{"word":"a","start":640.6,"end":640.68,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01760212332010269},{"word":"gauge","start":640.68,"end":640.92,"confidence":0.9638672,"punctuated_word":"gauge,","sentiment":"neutral","sentiment_score":0.008587568998336792},{"word":"but","start":640.92,"end":641.16,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.007396671921014786},{"word":"it","start":641.16,"end":641.24,"confidence":0.5810547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0006347857415676117},{"word":"is","start":641.24,"end":641.74,"confidence":0.9633789,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.003184225410223007},{"word":"only","start":641.8,"end":642.12,"confidence":0.9970703,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.01982687786221504},{"word":"enough","start":642.12,"end":642.43994,"confidence":0.9980469,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.01431933045387268},{"word":"fifty","start":642.43994,"end":642.75995,"confidence":0.9921875,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.011682026088237762},{"word":"fifty","start":642.75995,"end":643.25995,"confidence":0.98535156,"punctuated_word":"fifty.","sentiment":"neutral","sentiment_score":0.0176555123180151},{"word":"now","start":645.72,"end":646.22,"confidence":0.9506836,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.3622545599937439},{"word":"high","start":646.51996,"end":646.68,"confidence":0.43652344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4725087881088257},{"word":"growth","start":646.68,"end":647.0,"confidence":0.984375,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5245305895805359},{"word":"is","start":647.0,"end":647.07996,"confidence":0.58691406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4996203482151031},{"word":"great","start":647.07996,"end":647.24,"confidence":0.99609375,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6235166192054749},{"word":"for","start":647.24,"end":647.39996,"confidence":0.9921875,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6478595733642578},{"word":"that","start":647.39996,"end":647.56,"confidence":0.98168945,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5758177042007446},{"word":"so","start":647.56,"end":647.72,"confidence":0.8215332,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.3656402826309204},{"word":"basically","start":647.72,"end":648.12,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.29012805223464966},{"word":"what","start":648.12,"end":648.27997,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2911034822463989},{"word":"the","start":648.27997,"end":648.43994,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28473231196403503},{"word":"plan","start":648.43994,"end":648.68,"confidence":0.99902344,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.317143976688385},{"word":"is","start":648.68,"end":649.18,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22626978158950808},{"word":"with","start":649.29504,"end":649.53503,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2698702812194824},{"word":"all","start":649.53503,"end":649.695,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2916851043701172},{"word":"these","start":649.695,"end":650.015,"confidence":0.7583008,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.3052651286125183},{"word":"passive","start":650.015,"end":650.49506,"confidence":0.97802734,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.30791428685188293},{"word":"etfs","start":650.49506,"end":650.895,"confidence":0.96362305,"punctuated_word":"ETFs","sentiment":"neutral","sentiment_score":0.2452471554279327},{"word":"that","start":650.895,"end":651.05505,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2722349762916565},{"word":"we've","start":651.05505,"end":651.215,"confidence":0.99316406,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2931222915649414},{"word":"got","start":651.215,"end":651.375,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3278036117553711},{"word":"you","start":651.375,"end":651.61505,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32604411244392395},{"word":"in","start":651.61505,"end":652.11505,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3150005638599396},{"word":"is","start":652.255,"end":652.49506,"confidence":0.60498047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21314026415348053},{"word":"it's","start":652.49506,"end":652.655,"confidence":0.951416,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2929947078227997},{"word":"pretty","start":652.655,"end":652.895,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.25708240270614624},{"word":"much","start":652.895,"end":653.395,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2276284396648407},{"word":"buy","start":653.775,"end":654.015,"confidence":0.91015625,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.22813038527965543},{"word":"regularly","start":654.015,"end":654.515,"confidence":0.99316406,"punctuated_word":"regularly","sentiment":"neutral","sentiment_score":0.2756331264972687},{"word":"for","start":654.575,"end":654.73505,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22441886365413663},{"word":"the","start":654.73505,"end":654.895,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24888557195663452},{"word":"next","start":654.895,"end":655.395,"confidence":0.87939453,"punctuated_word":"next,","sentiment":"neutral","sentiment_score":0.18149355053901672},{"word":"say","start":656.255,"end":656.655,"confidence":0.93408203,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.21669766306877136},{"word":"ten","start":656.655,"end":656.895,"confidence":0.9970703,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.2855961322784424},{"word":"to","start":656.895,"end":657.05505,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1701083779335022},{"word":"fourteen","start":657.05505,"end":657.53503,"confidence":0.99609375,"punctuated_word":"fourteen","sentiment":"neutral","sentiment_score":0.24250571429729464},{"word":"years","start":657.53503,"end":658.03503,"confidence":0.8166504,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.1824859082698822},{"word":"get","start":658.73505,"end":658.895,"confidence":0.9316406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0901237428188324},{"word":"the","start":658.895,"end":659.05505,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15246756374835968},{"word":"really","start":659.05505,"end":659.375,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.24290837347507477},{"word":"high","start":659.375,"end":659.53503,"confidence":0.92089844,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.24260351061820984},{"word":"returns","start":659.53503,"end":660.03503,"confidence":0.8510742,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.2914127707481384},{"word":"and","start":660.335,"end":660.49506,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12204603850841522},{"word":"then","start":660.49506,"end":660.73505,"confidence":0.98535156,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12344006448984146},{"word":"in","start":660.73505,"end":660.895,"confidence":0.5288086,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1604001820087433},{"word":"the","start":660.895,"end":661.135,"confidence":0.5830078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0661485344171524},{"word":"last","start":661.135,"end":661.455,"confidence":0.93408203,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0194384828209877},{"word":"six","start":661.455,"end":661.775,"confidence":0.98095703,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.050621092319488525},{"word":"to","start":661.775,"end":661.935,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029978714883327484},{"word":"nine","start":661.935,"end":662.255,"confidence":0.9838867,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.0347103588283062},{"word":"years","start":662.255,"end":662.655,"confidence":0.9892578,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.022041969001293182},{"word":"we","start":662.655,"end":662.895,"confidence":0.9589844,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06821268796920776},{"word":"slowly","start":662.895,"end":663.375,"confidence":0.57421875,"punctuated_word":"slowly","sentiment":"neutral","sentiment_score":0.03423217684030533},{"word":"reduce","start":663.375,"end":663.495,"confidence":0.5048828,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.03755249083042145},{"word":"your","start":663.495,"end":663.615,"confidence":0.87060547,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.028496719896793365},{"word":"asset","start":663.615,"end":663.73505,"confidence":0.9526367,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.036167941987514496},{"word":"allocation","start":663.73505,"end":663.85504,"confidence":0.77246094,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.0370904728770256},{"word":"from","start":663.85504,"end":664.10504,"confidence":0.69091797,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0395822636783123},{"word":"a","start":664.10504,"end":664.60504,"confidence":0.7636719,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06636486202478409},{"word":"100%","start":665.83,"end":666.63,"confidence":0.9746094,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.12924310564994812},{"word":"growth","start":666.63,"end":666.95,"confidence":0.9838867,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16966837644577026},{"word":"asset","start":666.95,"end":667.45,"confidence":0.6359863,"punctuated_word":"asset,","sentiment":"neutral","sentiment_score":0.15906044840812683},{"word":"ninety","start":667.51,"end":668.01,"confidence":0.93896484,"punctuated_word":"ninety,","sentiment":"neutral","sentiment_score":0.14972515404224396},{"word":"eighty","start":668.07,"end":668.57,"confidence":0.99365234,"punctuated_word":"eighty,","sentiment":"neutral","sentiment_score":0.13433830440044403},{"word":"seventy","start":668.63,"end":669.13,"confidence":0.99658203,"punctuated_word":"seventy,","sentiment":"neutral","sentiment_score":0.11611876636743546},{"word":"sixty","start":669.27,"end":669.67004,"confidence":0.9926758,"punctuated_word":"sixty,","sentiment":"neutral","sentiment_score":0.11306491494178772},{"word":"fifty","start":669.67004,"end":670.15,"confidence":0.97558594,"punctuated_word":"fifty,","sentiment":"neutral","sentiment_score":0.09123732894659042},{"word":"forty","start":670.15,"end":670.65,"confidence":0.77685547,"punctuated_word":"forty,","sentiment":"neutral","sentiment_score":0.09897929430007936},{"word":"and","start":671.11005,"end":671.35004,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06482365727424622},{"word":"there's","start":671.35004,"end":671.59,"confidence":0.9655762,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.08596044778823853},{"word":"your","start":671.59,"end":671.83,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09027336537837982},{"word":"pension","start":671.83,"end":672.23004,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.08674908429384232},{"word":"account","start":672.23004,"end":672.71,"confidence":0.9970703,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.06445888429880142},{"word":"from","start":672.71,"end":672.87,"confidence":0.3178711,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06068497523665428},{"word":"the","start":672.87,"end":672.95,"confidence":0.6196289,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05782456696033478},{"word":"'60","start":672.95,"end":673.45,"confidence":0.99072266,"punctuated_word":"'60.","sentiment":"neutral","sentiment_score":0.06381090730428696},{"word":"k","start":676.39,"end":676.71,"confidence":0.6435547,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.05700908973813057},{"word":"so","start":676.71,"end":676.87,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09328486025333405},{"word":"that's","start":676.87,"end":677.03,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.161640465259552},{"word":"the","start":677.03,"end":677.19,"confidence":0.90283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.164794921875},{"word":"general","start":677.19,"end":677.59,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.2433443069458008},{"word":"idea","start":677.59,"end":678.09,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.20702099800109863},{"word":"that","start":678.15,"end":678.31,"confidence":0.76464844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22205568850040436},{"word":"gets","start":678.31,"end":678.55005,"confidence":0.9267578,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.2536107301712036},{"word":"you","start":678.55005,"end":678.71,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24220561981201172},{"word":"the","start":678.71,"end":678.87,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2520586848258972},{"word":"kind","start":678.87,"end":679.11005,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.22898894548416135},{"word":"of","start":679.11005,"end":679.27,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.266336053609848},{"word":"best","start":679.27,"end":679.51,"confidence":0.9980469,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2517647445201874},{"word":"outcome","start":679.51,"end":680.01,"confidence":0.99609375,"punctuated_word":"outcome","sentiment":"positive","sentiment_score":0.3653862476348877},{"word":"because","start":680.315,"end":680.635,"confidence":0.9902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1914253532886505},{"word":"you've","start":680.635,"end":681.135,"confidence":0.99560547,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.27539190649986267},{"word":"got","start":681.515,"end":681.675,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.24100327491760257},{"word":"6","start":681.675,"end":681.915,"confidence":0.99121094,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.25971224904060364},{"word":"figure","start":681.915,"end":682.235,"confidence":0.9902344,"punctuated_word":"figure","sentiment":"positive","sentiment_score":0.4096616804599762},{"word":"income","start":682.235,"end":682.635,"confidence":0.9770508,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.33098727464675903},{"word":"with","start":682.635,"end":682.795,"confidence":0.93847656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23710043728351593},{"word":"good","start":682.795,"end":683.035,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.29038098454475403},{"word":"contributions","start":683.035,"end":683.535,"confidence":0.7890625,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.32314354181289673},{"word":"got","start":684.475,"end":684.875,"confidence":0.7602539,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2767288386821747},{"word":"best","start":684.875,"end":685.195,"confidence":0.95703125,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2523772418498993},{"word":"investments","start":685.195,"end":685.695,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.2508552670478821},{"word":"long","start":685.755,"end":686.075,"confidence":0.99316406,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2660089135169983},{"word":"term","start":686.075,"end":686.575,"confidence":0.80249023,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.20253700017929077},{"word":"but","start":686.795,"end":687.035,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07890684902667999},{"word":"then","start":687.035,"end":687.27496,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06530417501926422},{"word":"at","start":687.27496,"end":687.435,"confidence":0.9604492,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05161460489034653},{"word":"some","start":687.435,"end":687.595,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03191136568784714},{"word":"point","start":687.595,"end":687.83496,"confidence":0.892334,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.051920678466558456},{"word":"once","start":687.83496,"end":688.075,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.04856131970882416},{"word":"you've","start":688.075,"end":688.235,"confidence":0.98291016,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08365523815155029},{"word":"got","start":688.235,"end":688.475,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10467293113470078},{"word":"that","start":688.475,"end":688.635,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11083661019802094},{"word":"million","start":688.635,"end":688.95496,"confidence":0.99316406,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.12386611104011536},{"word":"dollars","start":688.95496,"end":689.355,"confidence":0.9758301,"punctuated_word":"dollars,","sentiment":"neutral","sentiment_score":0.1116110533475876},{"word":"we","start":689.355,"end":689.515,"confidence":0.9091797,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10822848975658415},{"word":"then","start":689.515,"end":689.755,"confidence":0.97998047,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10097087174654008},{"word":"start","start":689.755,"end":689.995,"confidence":0.98828125,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.07096223533153534},{"word":"to","start":689.995,"end":690.075,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08738698065280914},{"word":"protect","start":690.075,"end":690.475,"confidence":0.99902344,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":0.08450743556022644},{"word":"it","start":690.475,"end":690.975,"confidence":0.9970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.07830488681793213},{"word":"k","start":694.09,"end":694.59,"confidence":0.74487305,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.06103367730975151},{"word":"now","start":694.89,"end":695.39,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.291604608297348},{"word":"what","start":695.85004,"end":696.09,"confidence":0.9448242,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.28939855098724365},{"word":"my","start":696.09,"end":696.33,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.21679523587226868},{"word":"advice","start":696.33,"end":696.65,"confidence":0.9980469,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.29731836915016174},{"word":"would","start":696.65,"end":696.81,"confidence":0.9921875,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2438710480928421},{"word":"be","start":696.81,"end":697.05005,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2424345314502716},{"word":"at","start":697.05005,"end":697.13,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18332439661026},{"word":"the","start":697.13,"end":697.29004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16906720399856567},{"word":"moment","start":697.29004,"end":697.77,"confidence":0.8703613,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.15415719151496887},{"word":"the","start":697.77,"end":698.09,"confidence":0.51953125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15811032056808472},{"word":"the","start":698.09,"end":698.41003,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17473044991493225},{"word":"the","start":698.41003,"end":698.49005,"confidence":0.6425781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19001559913158417},{"word":"other","start":698.49005,"end":698.65,"confidence":0.9873047,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.19893456995487213},{"word":"two","start":698.65,"end":698.81,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1998354345560074},{"word":"things","start":698.81,"end":699.13,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2632520794868469},{"word":"i","start":699.13,"end":699.21,"confidence":0.8173828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24271799623966217},{"word":"want","start":699.21,"end":699.37,"confidence":0.5800781,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.25724491477012634},{"word":"to","start":699.37,"end":699.53,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26532530784606934},{"word":"brag","start":699.53,"end":699.77,"confidence":0.45324707,"punctuated_word":"brag","sentiment":"neutral","sentiment_score":0.23939694464206696},{"word":"with","start":699.77,"end":700.09,"confidence":0.5576172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2618471384048462},{"word":"you","start":700.09,"end":700.59,"confidence":0.7661133,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.24707165360450745},{"word":"is","start":700.65,"end":700.89,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24703790247440335},{"word":"when","start":700.89,"end":701.13,"confidence":0.98828125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.23828640580177307},{"word":"i","start":701.13,"end":701.21,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2385759949684143},{"word":"look","start":701.21,"end":701.37,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2131250947713852},{"word":"at","start":701.37,"end":701.45,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17668813467025757},{"word":"the","start":701.45,"end":701.69,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2663957476615906},{"word":"portfolio","start":701.69,"end":702.19,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.23399358987808228},{"word":"with","start":702.41003,"end":702.57,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2511464059352875},{"word":"that","start":702.57,"end":702.81,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2506658732891083},{"word":"one","start":702.81,"end":703.05005,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1856810748577118},{"word":"option","start":703.05005,"end":703.37,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.19069217145442963},{"word":"being","start":703.37,"end":703.69,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.2491876780986786},{"word":"switched","start":703.69,"end":704.09,"confidence":1.0,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":0.1934836059808731},{"word":"out","start":704.09,"end":704.59,"confidence":0.982666,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.24217544496059415},{"word":"overall","start":704.89,"end":705.29004,"confidence":0.87719727,"punctuated_word":"overall,","sentiment":"positive","sentiment_score":0.4522992968559265},{"word":"it","start":705.29004,"end":705.53,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5116106271743774},{"word":"looks","start":705.53,"end":705.77,"confidence":1.0,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.451412171125412},{"word":"really","start":705.77,"end":706.01,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4500873386859894},{"word":"good","start":706.01,"end":706.485,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.33847522735595703},{"word":"so","start":707.445,"end":707.945,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10082199424505234},{"word":"that","start":708.485,"end":708.805,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03689202666282654},{"word":"one","start":708.805,"end":709.045,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04851283133029938},{"word":"thing","start":709.045,"end":709.285,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.009617023169994354},{"word":"kind","start":709.285,"end":709.445,"confidence":0.9614258,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.012793399393558502},{"word":"of","start":709.445,"end":709.605,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02203982323408127},{"word":"weighing","start":709.605,"end":709.925,"confidence":0.9970703,"punctuated_word":"weighing","sentiment":"neutral","sentiment_score":-0.030630651861429214},{"word":"you","start":709.925,"end":710.08496,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06185971945524216},{"word":"down","start":710.08496,"end":710.58496,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.02076117694377899},{"word":"recently","start":710.725,"end":711.225,"confidence":0.9562988,"punctuated_word":"recently,","sentiment":"neutral","sentiment_score":-0.02736426517367363},{"word":"that's","start":711.605,"end":711.845,"confidence":0.89086914,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.036748990416526794},{"word":"kind","start":711.845,"end":712.08496,"confidence":0.97314453,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0038389116525650024},{"word":"of","start":712.08496,"end":712.245,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01429128646850586},{"word":"been","start":712.245,"end":712.485,"confidence":0.95410156,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.02697558701038361},{"word":"resolved","start":712.485,"end":712.985,"confidence":0.9406738,"punctuated_word":"resolved.","sentiment":"neutral","sentiment_score":0.011227577924728394},{"word":"and","start":713.125,"end":713.285,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06784195452928543},{"word":"when","start":713.285,"end":713.52496,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06947601586580276},{"word":"i","start":713.52496,"end":713.605,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06241291016340256},{"word":"look","start":713.605,"end":713.845,"confidence":0.9902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07061981409788132},{"word":"across","start":713.845,"end":714.165,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.07206526398658752},{"word":"all","start":714.165,"end":714.325,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1096581220626831},{"word":"the","start":714.325,"end":714.485,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08266419172286987},{"word":"options","start":714.485,"end":714.805,"confidence":0.9951172,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.06875359266996384},{"word":"there's","start":714.805,"end":715.125,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.10499148070812224},{"word":"nothing","start":715.125,"end":715.365,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.02093356102705002},{"word":"that","start":715.365,"end":715.605,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10609129816293716},{"word":"really","start":715.605,"end":715.925,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.12322169542312622},{"word":"concerns","start":715.925,"end":716.40497,"confidence":0.9980469,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.23174163699150083},{"word":"me","start":716.40497,"end":716.565,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.16798171401023865},{"word":"or","start":716.565,"end":716.725,"confidence":0.7128906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.161696657538414},{"word":"i","start":716.725,"end":716.805,"confidence":0.9248047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12322412431240082},{"word":"think","start":716.805,"end":717.045,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1565239131450653},{"word":"it's","start":717.045,"end":717.20496,"confidence":0.86572266,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.15718631446361542},{"word":"like","start":717.20496,"end":717.365,"confidence":0.7915039,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.14180772006511688},{"word":"a","start":717.365,"end":717.52496,"confidence":0.6582031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16973531246185303},{"word":"an","start":717.605,"end":717.845,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2016308307647705},{"word":"alarm","start":717.845,"end":718.165,"confidence":0.9941406,"punctuated_word":"alarm","sentiment":"neutral","sentiment_score":-0.24493752419948575},{"word":"bell","start":718.165,"end":718.485,"confidence":0.87353516,"punctuated_word":"bell","sentiment":"neutral","sentiment_score":-0.18535566329956055},{"word":"to","start":718.485,"end":718.64496,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19832882285118103},{"word":"switch","start":718.64496,"end":718.885,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.1244734525680542},{"word":"at","start":718.885,"end":719.045,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1423267275094986},{"word":"this","start":719.045,"end":719.285,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06146073341369629},{"word":"point","start":719.285,"end":719.76,"confidence":0.96875,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.04715621843934059},{"word":"pretty","start":727.12,"end":727.44,"confidence":0.93603516,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":-0.02930949628353119},{"word":"much","start":727.44,"end":727.94,"confidence":0.9995117,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.06791425496339798},{"word":"yeah","start":730.0,"end":730.4,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027501080185174945},{"word":"that's","start":730.4,"end":730.72003,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07667829841375351},{"word":"right","start":730.72003,"end":731.22003,"confidence":0.9995117,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.10159275680780412},{"word":"basically","start":738.73505,"end":739.23505,"confidence":0.9921875,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.11080660670995712},{"word":"these","start":739.29504,"end":739.53503,"confidence":0.9980469,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.15363021194934845},{"word":"things","start":739.53503,"end":739.935,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.12129119038581848},{"word":"take","start":739.935,"end":740.435,"confidence":0.9970703,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.09452816843986513},{"word":"a","start":740.495,"end":740.575,"confidence":0.8574219,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15030476450920105},{"word":"couple","start":740.575,"end":740.815,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.16453750431537628},{"word":"of","start":740.815,"end":740.97504,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18022839725017548},{"word":"months","start":740.97504,"end":741.215,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.12887336313724518},{"word":"to","start":741.215,"end":741.29504,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1840104907751083},{"word":"happen","start":741.29504,"end":741.79504,"confidence":0.9807129,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.1430351585149765},{"word":"so","start":742.09503,"end":742.575,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.051747530698776245},{"word":"as","start":742.575,"end":743.075,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1034947857260704},{"word":"that","start":743.135,"end":743.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.053747475147247314},{"word":"thing","start":743.375,"end":743.61505,"confidence":0.9741211,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.055688634514808655},{"word":"is","start":743.61505,"end":743.775,"confidence":0.62841797,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.048848994076251984},{"word":"happening","start":743.775,"end":744.275,"confidence":0.9995117,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":-0.04359921440482139},{"word":"we","start":744.67,"end":744.91003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.014246322214603424},{"word":"flag","start":744.91003,"end":744.99,"confidence":0.96972656,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.009090587496757507},{"word":"it","start":744.99,"end":745.31,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.026989541947841644},{"word":"as","start":745.31,"end":745.47003,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.010751433670520782},{"word":"a","start":745.47003,"end":745.63,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004835061728954315},{"word":"team","start":745.63,"end":746.13,"confidence":0.8833008,"punctuated_word":"team,","sentiment":"neutral","sentiment_score":0.009101608768105509},{"word":"goes","start":746.27,"end":746.59,"confidence":0.9038086,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.014723937958478928},{"word":"to","start":746.59,"end":746.67,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028383679687976837},{"word":"our","start":746.67,"end":746.83,"confidence":0.9892578,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.023945610970258713},{"word":"investment","start":746.83,"end":747.31,"confidence":0.9951172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.004270702600479126},{"word":"committee","start":747.31,"end":747.71,"confidence":0.75146484,"punctuated_word":"committee.","sentiment":"neutral","sentiment_score":0.004771877080202103},{"word":"they","start":747.71,"end":747.87,"confidence":0.99902344,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.0319257453083992},{"word":"go","start":747.87,"end":748.11,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.000340193510055542},{"word":"under","start":748.11,"end":748.35004,"confidence":0.81591797,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.002595961093902588},{"word":"the","start":748.35004,"end":748.51,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03497326374053955},{"word":"hood","start":748.51,"end":748.75,"confidence":0.9980469,"punctuated_word":"hood","sentiment":"neutral","sentiment_score":-0.003952790051698685},{"word":"and","start":748.75,"end":748.91003,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.049037717282772064},{"word":"go","start":748.91003,"end":749.41003,"confidence":0.9621582,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":-0.0555037297308445},{"word":"is","start":749.47003,"end":749.71,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15263961255550385},{"word":"this","start":749.71,"end":749.87,"confidence":0.6123047,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10472998768091202},{"word":"something","start":749.87,"end":750.19,"confidence":0.9921875,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.16520996391773224},{"word":"that's","start":750.19,"end":750.51,"confidence":0.89160156,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.24726516008377075},{"word":"likely","start":750.51,"end":750.83,"confidence":0.97314453,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.2158682346343994},{"word":"to","start":750.83,"end":750.99,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23789240419864657},{"word":"bounce","start":750.99,"end":751.31,"confidence":0.9980469,"punctuated_word":"bounce","sentiment":"neutral","sentiment_score":-0.19642305374145508},{"word":"back","start":751.31,"end":751.55,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.21391156315803528},{"word":"like","start":751.55,"end":751.79004,"confidence":0.9091797,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.15076157450675964},{"word":"normal","start":751.79004,"end":752.29004,"confidence":0.9638672,"punctuated_word":"normal?","sentiment":"neutral","sentiment_score":-0.19653058052062988},{"word":"and","start":752.67,"end":753.17,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.28492024540901184},{"word":"only","start":754.03,"end":754.43,"confidence":0.99609375,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3788997232913971},{"word":"twice","start":754.43,"end":754.75,"confidence":1.0,"punctuated_word":"twice","sentiment":"negative","sentiment_score":-0.4085474908351898},{"word":"in","start":754.75,"end":754.99,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4032348394393921},{"word":"my","start":754.99,"end":755.15,"confidence":1.0,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.4177892804145813},{"word":"entire","start":755.15,"end":755.47003,"confidence":1.0,"punctuated_word":"entire","sentiment":"negative","sentiment_score":-0.4675815403461456},{"word":"career","start":755.47003,"end":755.79004,"confidence":0.99902344,"punctuated_word":"career","sentiment":"negative","sentiment_score":-0.3875090777873993},{"word":"have","start":755.79004,"end":755.95,"confidence":0.6279297,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.32811111211776733},{"word":"we","start":755.95,"end":756.11,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.3015507161617279},{"word":"ever","start":756.11,"end":756.35004,"confidence":0.99316406,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.25866204500198364},{"word":"looked","start":756.35004,"end":756.51,"confidence":0.96533203,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.26483386754989624},{"word":"at","start":756.51,"end":756.67,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3087424039840698},{"word":"an","start":756.67,"end":756.83,"confidence":0.9941406,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3660823702812195},{"word":"option","start":756.83,"end":757.15,"confidence":0.9453125,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.27138277888298035},{"word":"and","start":757.15,"end":757.31,"confidence":0.49609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25249090790748596},{"word":"gone","start":757.31,"end":757.81,"confidence":0.88720703,"punctuated_word":"gone,","sentiment":"negative","sentiment_score":-0.37976908683776855},{"word":"it's","start":757.87,"end":758.11,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4907751977443695},{"word":"not","start":758.11,"end":758.27,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.47391611337661743},{"word":"gonna","start":758.27,"end":758.59,"confidence":0.8432617,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.44703471660614014},{"word":"bounce","start":758.59,"end":758.91003,"confidence":1.0,"punctuated_word":"bounce","sentiment":"negative","sentiment_score":-0.33900919556617737},{"word":"back","start":758.91003,"end":759.41003,"confidence":0.744751,"punctuated_word":"back.","sentiment":"negative","sentiment_score":-0.3669254779815674},{"word":"and","start":759.71497,"end":759.955,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.10427524149417876},{"word":"that's","start":759.955,"end":760.115,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.07856830209493637},{"word":"because","start":760.115,"end":760.515,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0870090052485466},{"word":"the","start":760.515,"end":760.675,"confidence":0.91503906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2316267192363739},{"word":"bed","start":760.675,"end":760.835,"confidence":0.18908691,"punctuated_word":"bed","sentiment":"neutral","sentiment_score":-0.24115395545959473},{"word":"along","start":760.835,"end":761.235,"confidence":0.59814453,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.189701184630394},{"word":"fund","start":761.235,"end":761.475,"confidence":0.875,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.16178101301193237},{"word":"is","start":761.475,"end":761.635,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19375360012054443},{"word":"actually","start":761.635,"end":762.035,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.1808830499649048},{"word":"at","start":762.035,"end":762.195,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2218663990497589},{"word":"a","start":762.195,"end":762.27496,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1398717612028122},{"word":"point","start":762.27496,"end":762.595,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.06674952805042267},{"word":"they're","start":762.595,"end":762.835,"confidence":0.69763184,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.27287757396698},{"word":"probably","start":762.835,"end":763.15497,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2951696515083313},{"word":"gonna","start":763.15497,"end":763.475,"confidence":0.9550781,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2520139813423157},{"word":"wind","start":763.475,"end":763.795,"confidence":0.9980469,"punctuated_word":"wind","sentiment":"neutral","sentiment_score":-0.2222062349319458},{"word":"up","start":763.795,"end":764.295,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.297615110874176},{"word":"and","start":764.435,"end":764.675,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3047550320625305},{"word":"close","start":764.675,"end":764.995,"confidence":0.9633789,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.2428835928440094},{"word":"down","start":764.995,"end":765.235,"confidence":0.9770508,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.09258414804935455},{"word":"in","start":765.235,"end":765.395,"confidence":0.9741211,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2498527765274048},{"word":"the","start":765.395,"end":765.555,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16928619146347046},{"word":"next","start":765.555,"end":765.795,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.1576417237520218},{"word":"year","start":765.795,"end":766.035,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.08800048381090164},{"word":"or","start":766.035,"end":766.195,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1161193549633026},{"word":"two","start":766.195,"end":766.695,"confidence":0.9995117,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":-0.18062379956245425},{"word":"most","start":768.915,"end":769.15497,"confidence":0.9941406,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":-0.026619017124176025},{"word":"of","start":769.15497,"end":769.235,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017992615699768066},{"word":"the","start":769.235,"end":769.315,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006990402936935425},{"word":"time","start":769.315,"end":769.555,"confidence":0.9506836,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.12950564920902252},{"word":"i","start":769.555,"end":769.635,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15274325013160706},{"word":"just","start":769.635,"end":769.875,"confidence":0.8984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0961793065071106},{"word":"go","start":769.875,"end":770.035,"confidence":0.63427734,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13108041882514954},{"word":"look","start":770.035,"end":770.195,"confidence":0.58447266,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09972329437732697},{"word":"buy","start":770.195,"end":770.435,"confidence":0.49853516,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.16481079161167145},{"word":"in","start":770.435,"end":770.595,"confidence":0.9020996,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.10123589634895323},{"word":"buy","start":770.595,"end":770.755,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.14312326908111572},{"word":"the","start":770.755,"end":770.915,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1563938856124878},{"word":"dip","start":770.915,"end":771.15497,"confidence":0.9338379,"punctuated_word":"dip,","sentiment":"neutral","sentiment_score":0.15136247873306274},{"word":"let","start":771.15497,"end":771.315,"confidence":0.98828125,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.19845762848854065},{"word":"the","start":771.315,"end":771.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15682293474674225},{"word":"market","start":771.475,"end":771.795,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.20823711156845093},{"word":"go","start":771.795,"end":771.955,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15280264616012573},{"word":"down","start":771.955,"end":772.195,"confidence":0.98339844,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.16081811487674713},{"word":"buy","start":772.195,"end":772.435,"confidence":0.9970703,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.1587856560945511},{"word":"some","start":772.435,"end":772.595,"confidence":0.9892578,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.15338319540023804},{"word":"more","start":772.595,"end":772.835,"confidence":0.9892578,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11844956874847412},{"word":"shares","start":772.835,"end":773.075,"confidence":0.9863281,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.19587336480617523},{"word":"and","start":773.075,"end":773.235,"confidence":0.47460938,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19988980889320376},{"word":"property","start":773.235,"end":773.635,"confidence":0.87841797,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.25775226950645447},{"word":"for","start":773.635,"end":773.795,"confidence":0.96972656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.216358944773674},{"word":"a","start":773.795,"end":773.875,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24269573390483856},{"word":"cheaper","start":773.875,"end":774.195,"confidence":0.99902344,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.24601216614246368},{"word":"price","start":774.195,"end":774.695,"confidence":0.9885254,"punctuated_word":"price.","sentiment":"neutral","sentiment_score":0.1723456829786301},{"word":"when","start":774.89,"end":774.97,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.1924917995929718},{"word":"you","start":774.97,"end":775.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22862190008163452},{"word":"go","start":775.21,"end":775.29,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.33587387204170227},{"word":"up","start":775.29,"end":775.37,"confidence":0.7800293,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.3963925540447235},{"word":"you","start":775.37,"end":775.52997,"confidence":0.9921875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3786951005458832},{"word":"get","start":775.52997,"end":775.77,"confidence":0.9970703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3556305170059204},{"word":"a","start":775.77,"end":775.85,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3696580529212952},{"word":"30%","start":775.85,"end":776.49,"confidence":0.9995117,"punctuated_word":"30%","sentiment":"positive","sentiment_score":0.4402504861354828},{"word":"return","start":776.49,"end":776.81,"confidence":0.76904297,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.4266873002052307},{"word":"everybody's","start":776.81,"end":777.31,"confidence":0.9772949,"punctuated_word":"everybody's","sentiment":"positive","sentiment_score":0.5242136716842651},{"word":"happy","start":777.37,"end":777.87,"confidence":0.89282227,"punctuated_word":"happy.","sentiment":"neutral","sentiment_score":0.2938113212585449},{"word":"but","start":778.09,"end":778.41,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09718071669340134},{"word":"every","start":778.41,"end":778.65,"confidence":0.9970703,"punctuated_word":"every","sentiment":"negative","sentiment_score":-0.35654139518737793},{"word":"now","start":778.65,"end":778.89,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.31887444853782654},{"word":"and","start":778.89,"end":779.05,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2952784299850464},{"word":"then","start":779.05,"end":779.29,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.16740956902503967},{"word":"you","start":779.29,"end":779.45,"confidence":0.6020508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3253113031387329},{"word":"go","start":779.45,"end":779.95,"confidence":0.9042969,"punctuated_word":"go,","sentiment":"negative","sentiment_score":-0.3450397849082947},{"word":"it's","start":780.49,"end":780.73,"confidence":0.9675293,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.42449912428855896},{"word":"not","start":780.73,"end":780.89,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3686303496360779},{"word":"doing","start":780.89,"end":781.13,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.2365974634885788},{"word":"what","start":781.13,"end":781.37,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14489337801933289},{"word":"it","start":781.37,"end":781.61,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23300017416477203},{"word":"should","start":781.61,"end":781.77,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.07491351664066315},{"word":"be","start":781.77,"end":781.93,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2773911952972412},{"word":"doing","start":781.93,"end":782.43,"confidence":0.9995117,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.24666857719421387},{"word":"k","start":785.61,"end":786.11,"confidence":0.82128906,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.022635148838162426},{"word":"now","start":786.25,"end":786.75,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.054771702736616135},{"word":"outside","start":786.89,"end":787.29,"confidence":0.96240234,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.08360733091831207},{"word":"of","start":787.29,"end":787.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03683304414153099},{"word":"that","start":787.45,"end":787.77,"confidence":0.76293945,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.032989539206027985},{"word":"though","start":787.77,"end":788.27,"confidence":0.99853516,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.05029270052909851},{"word":"the","start":788.465,"end":788.625,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08856721222400665},{"word":"other","start":788.625,"end":788.865,"confidence":0.9902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07783351838588715},{"word":"two","start":788.865,"end":789.185,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07504072785377502},{"word":"questions","start":789.185,"end":789.505,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1322714239358902},{"word":"i","start":789.505,"end":789.66504,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08584906160831451},{"word":"wanted","start":789.66504,"end":789.905,"confidence":0.7260742,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10022717714309692},{"word":"to","start":789.905,"end":789.985,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1119452267885208},{"word":"broach","start":789.985,"end":790.22504,"confidence":0.69470215,"punctuated_word":"broach","sentiment":"neutral","sentiment_score":0.103475883603096},{"word":"with","start":790.22504,"end":790.385,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11760805547237396},{"word":"you","start":790.385,"end":790.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1041666716337204},{"word":"is","start":791.025,"end":791.525,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12431879341602324},{"word":"i","start":792.385,"end":792.545,"confidence":0.66845703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18281833827495575},{"word":"like","start":792.545,"end":792.705,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2780902683734894},{"word":"the","start":792.705,"end":792.945,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2520931661128998},{"word":"portfolio","start":792.945,"end":793.445,"confidence":0.9875488,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1830064207315445},{"word":"do","start":794.22504,"end":794.385,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.07025517523288727},{"word":"you","start":794.385,"end":794.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10366936028003693},{"word":"want","start":794.545,"end":794.705,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.09792087972164154},{"word":"me","start":794.705,"end":794.865,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11859886348247528},{"word":"to","start":794.865,"end":795.025,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09153929352760316},{"word":"look","start":795.025,"end":795.265,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06378671526908875},{"word":"at","start":795.265,"end":795.34503,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07664471864700317},{"word":"any","start":795.34503,"end":795.585,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.052243396639823914},{"word":"like","start":795.66504,"end":795.825,"confidence":0.9716797,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05356086045503616},{"word":"you've","start":795.825,"end":796.065,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04789953678846359},{"word":"been","start":796.065,"end":796.22504,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04582395404577255},{"word":"in","start":796.22504,"end":796.385,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05337825044989586},{"word":"netwealth","start":796.385,"end":796.885,"confidence":0.8791504,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.05506226047873497},{"word":"for","start":796.945,"end":797.185,"confidence":0.9472656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.041762396693229675},{"word":"for","start":797.185,"end":797.34503,"confidence":0.8730469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04927901551127434},{"word":"almost","start":797.34503,"end":797.745,"confidence":0.99902344,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.06423570215702057},{"word":"six","start":797.745,"end":797.985,"confidence":0.9428711,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.057793401181697845},{"word":"years","start":797.985,"end":798.22504,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.0846199244260788},{"word":"now","start":798.22504,"end":798.465,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.07149630784988403},{"word":"with","start":798.465,"end":798.625,"confidence":0.97509766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06260979920625687},{"word":"o","start":798.625,"end":798.78503,"confidence":0.2668457,"punctuated_word":"O.","sentiment":"neutral","sentiment_score":0.04704625904560089},{"word":"q","start":798.78503,"end":799.025,"confidence":0.73706055,"punctuated_word":"Q.","sentiment":"neutral","sentiment_score":0.03948345780372619},{"word":"financial","start":799.025,"end":799.525,"confidence":0.94628906,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.028585923835635185},{"word":"do","start":799.985,"end":800.145,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.011170972138643265},{"word":"you","start":800.145,"end":800.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04422470927238464},{"word":"want","start":800.305,"end":800.465,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.05241094529628754},{"word":"me","start":800.465,"end":800.625,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0700477585196495},{"word":"to","start":800.625,"end":800.705,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08212614804506302},{"word":"look","start":800.705,"end":800.945,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06867224723100662},{"word":"at","start":800.945,"end":801.025,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0783262625336647},{"word":"any","start":801.025,"end":801.265,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07361458241939545},{"word":"other","start":801.265,"end":801.505,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.054483816027641296},{"word":"super","start":801.505,"end":801.825,"confidence":0.9194336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1341565102338791},{"word":"funds","start":801.825,"end":802.065,"confidence":0.91748047,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.10161935538053513},{"word":"to","start":802.065,"end":802.22504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07655255496501923},{"word":"try","start":802.22504,"end":802.465,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.11413529515266418},{"word":"and","start":802.465,"end":802.545,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10403276234865189},{"word":"find","start":802.545,"end":802.865,"confidence":0.99609375,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.11360368877649309},{"word":"some","start":802.865,"end":803.105,"confidence":0.8569336,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07612167298793793},{"word":"with","start":803.105,"end":803.265,"confidence":0.6098633,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12361574172973631},{"word":"some","start":803.265,"end":803.425,"confidence":0.6748047,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09632129967212676},{"word":"low","start":803.425,"end":803.66504,"confidence":0.77685547,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.11254580318927764},{"word":"fees","start":803.66504,"end":804.16504,"confidence":0.7211914,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.09788432717323305},{"word":"and","start":804.44,"end":804.76,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07953069359064102},{"word":"switch","start":804.76,"end":805.07996,"confidence":0.9970703,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.09609250724315643},{"word":"around","start":805.07996,"end":805.48,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.12525708973407745},{"word":"with","start":805.48,"end":805.64,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11965759098529816},{"word":"a","start":805.64,"end":805.88,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10291992127895357},{"word":"similar","start":805.88,"end":806.36,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.09017576277256012},{"word":"portfolio","start":806.36,"end":806.86,"confidence":0.8039551,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.09633567929267885},{"word":"or","start":807.39996,"end":807.64,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12700694799423218},{"word":"you're","start":807.64,"end":807.8,"confidence":0.69506836,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1389726847410202},{"word":"happy","start":807.8,"end":808.04,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.17221224308013916},{"word":"to","start":808.04,"end":808.2,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1949402391910553},{"word":"kind","start":808.2,"end":808.36,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09320056438446044},{"word":"of","start":808.36,"end":808.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11781923472881316},{"word":"let","start":808.44,"end":808.68,"confidence":0.9819336,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1151384264230728},{"word":"this","start":808.68,"end":808.92,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14166124165058136},{"word":"one","start":808.92,"end":809.16,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11977599561214448},{"word":"kind","start":809.16,"end":809.39996,"confidence":0.63964844,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1063203066587448},{"word":"of","start":809.39996,"end":809.48,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12071888148784636},{"word":"do","start":809.48,"end":809.64,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09622668474912643},{"word":"its","start":809.64,"end":809.88,"confidence":0.95410156,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.10027677565813065},{"word":"thing","start":809.88,"end":810.38,"confidence":0.97998047,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":0.09330390393733978},{"word":"so","start":821.005,"end":821.505,"confidence":0.6118164,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04445415362715721},{"word":"there's","start":821.885,"end":822.205,"confidence":0.9914551,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.08480915427207947},{"word":"a","start":822.205,"end":822.605,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07536854594945908},{"word":"competitor","start":822.605,"end":823.105,"confidence":0.83935547,"punctuated_word":"competitor","sentiment":"neutral","sentiment_score":0.047467559576034546},{"word":"to","start":823.245,"end":823.325,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08876794576644897},{"word":"them","start":823.325,"end":823.565,"confidence":0.8239746,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.0669863149523735},{"word":"which","start":823.565,"end":823.805,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10185356438159944},{"word":"has","start":823.805,"end":824.045,"confidence":0.9951172,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.12126254290342332},{"word":"come","start":824.045,"end":824.205,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2012900114059448},{"word":"up","start":824.205,"end":824.365,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16368408501148224},{"word":"really","start":824.365,"end":824.685,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.180353045463562},{"word":"strong","start":824.685,"end":825.005,"confidence":0.9941406,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":0.19607649743556976},{"word":"recently","start":825.005,"end":825.505,"confidence":0.99902344,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.2586303949356079},{"word":"i","start":826.205,"end":826.445,"confidence":0.4506836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20761975646018985},{"word":"wanna","start":826.445,"end":826.685,"confidence":0.7392578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.24914616346359253},{"word":"consider","start":826.685,"end":827.165,"confidence":0.9970703,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.1738036721944809},{"word":"for","start":827.165,"end":827.40497,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1846216917037964},{"word":"you","start":827.40497,"end":827.90497,"confidence":0.9550781,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13369865715503693},{"word":"and","start":828.045,"end":828.285,"confidence":0.8137207,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.07843911647796631},{"word":"basically","start":828.285,"end":828.785,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.09255409240722656},{"word":"they've","start":828.925,"end":829.165,"confidence":0.7775879,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.12691152095794678},{"word":"got","start":829.165,"end":829.62,"confidence":0.83203125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14429588615894318},{"word":"the","start":829.7,"end":829.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11835068464279176},{"word":"same","start":829.94,"end":830.26,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.13403795659542084},{"word":"amount","start":830.26,"end":830.58,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.17179591953754425},{"word":"of","start":830.58,"end":830.82,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1228707879781723},{"word":"investment","start":830.82,"end":831.3,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.072023905813694},{"word":"options","start":831.3,"end":831.8,"confidence":0.9626465,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.08935215324163437},{"word":"but","start":832.02,"end":832.26,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07517039775848389},{"word":"they're","start":832.26,"end":832.42,"confidence":0.9206543,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.09107640385627748},{"word":"just","start":832.42,"end":832.58,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08167004585266113},{"word":"a","start":832.58,"end":832.66,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10242680460214616},{"word":"bit","start":832.66,"end":832.9,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07484054565429688},{"word":"better","start":832.9,"end":833.14,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.11181829869747162},{"word":"on","start":833.14,"end":833.3,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17889918386936188},{"word":"the","start":833.3,"end":833.54,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13361957669258118},{"word":"administration","start":833.54,"end":834.04,"confidence":0.99902344,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.08739347010850906},{"word":"fees","start":834.26,"end":834.5,"confidence":0.5263672,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.12631547451019287},{"word":"for","start":834.5,"end":834.66,"confidence":0.9301758,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09669318050146104},{"word":"holding","start":834.66,"end":835.06,"confidence":0.9838867,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.11502885818481444},{"word":"the","start":835.06,"end":835.22,"confidence":0.4633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1199544295668602},{"word":"account","start":835.22,"end":835.62,"confidence":0.92163086,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.06806483864784241},{"word":"so","start":835.62,"end":835.77997,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09735869616270064},{"word":"basically","start":835.77997,"end":836.1,"confidence":0.7626953,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.12105751782655716},{"word":"what","start":836.1,"end":836.33997,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1603818237781525},{"word":"i","start":836.33997,"end":836.42,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14557254314422607},{"word":"would","start":836.42,"end":836.58,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1879243403673172},{"word":"do","start":836.58,"end":836.82,"confidence":0.7663574,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.20046493411064148},{"word":"if","start":836.82,"end":836.98,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2002008855342865},{"word":"you're","start":836.98,"end":837.14,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1601281613111496},{"word":"okay","start":837.14,"end":837.64,"confidence":0.9941406,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.18964923918247223},{"word":"is","start":837.77997,"end":837.94,"confidence":0.92333984,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1739085018634796},{"word":"just","start":837.94,"end":838.1,"confidence":0.49365234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.177851602435112},{"word":"do","start":838.1,"end":838.26,"confidence":0.9760742,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16681106388568878},{"word":"a","start":838.26,"end":838.33997,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1845056414604187},{"word":"bit","start":838.33997,"end":838.5,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18186207115650177},{"word":"of","start":838.5,"end":838.58,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1627262830734253},{"word":"a","start":838.58,"end":838.74,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12562295794487},{"word":"comparison","start":838.74,"end":839.24,"confidence":0.8803711,"punctuated_word":"comparison,","sentiment":"neutral","sentiment_score":0.1251872330904007},{"word":"see","start":839.94,"end":840.18,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15947997570037842},{"word":"if","start":840.18,"end":840.26,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1827392578125},{"word":"it's","start":840.26,"end":840.5,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.23171985149383545},{"word":"actually","start":840.5,"end":841.0,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.21821123361587524},{"word":"enough","start":841.54,"end":841.86,"confidence":0.9428711,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.2214714288711548},{"word":"of","start":841.86,"end":842.02,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2507627606391907},{"word":"a","start":842.02,"end":842.18,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2440224289894104},{"word":"benefit","start":842.18,"end":842.66,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.28204458951950073},{"word":"to","start":842.66,"end":843.16,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24087727069854736},{"word":"go","start":843.22,"end":843.54,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2337605208158493},{"word":"through","start":843.54,"end":843.7,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2341441661119461},{"word":"the","start":843.7,"end":843.86,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21686409413814545},{"word":"admin","start":843.86,"end":844.26,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.30884838104248047},{"word":"to","start":844.26,"end":844.42,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18383054435253143},{"word":"jump","start":844.42,"end":844.58,"confidence":1.0,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.22221407294273376},{"word":"across","start":844.58,"end":845.08,"confidence":0.82373047,"punctuated_word":"across,","sentiment":"neutral","sentiment_score":0.17746837437152865},{"word":"and","start":845.945,"end":846.34503,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1383661925792694},{"word":"see","start":846.34503,"end":846.505,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.17966993153095245},{"word":"if","start":846.505,"end":846.66504,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17746315896511078},{"word":"there's","start":846.66504,"end":846.825,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.19024841487407684},{"word":"anything","start":846.825,"end":847.145,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.23272891342639923},{"word":"else","start":847.145,"end":847.385,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.2025441825389862},{"word":"i","start":847.385,"end":847.545,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12079013884067535},{"word":"can","start":847.545,"end":847.705,"confidence":0.79541016,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1355065256357193},{"word":"fix","start":847.705,"end":847.945,"confidence":0.9873047,"punctuated_word":"fix","sentiment":"neutral","sentiment_score":0.1525591015815735},{"word":"up","start":847.945,"end":848.105,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14587977528572085},{"word":"on","start":848.105,"end":848.265,"confidence":0.7495117,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16480596363544464},{"word":"the","start":848.265,"end":848.425,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1779881864786148},{"word":"portfolio","start":848.425,"end":848.925,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.19391247630119324},{"word":"if","start":850.105,"end":850.265,"confidence":0.5126953,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17809824645519257},{"word":"you're","start":850.265,"end":850.505,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1656094342470169},{"word":"comfortable","start":850.505,"end":850.905,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06859637796878815},{"word":"with","start":850.905,"end":851.065,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13523972034454346},{"word":"me","start":851.065,"end":851.305,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15382900834083557},{"word":"doing","start":851.305,"end":851.545,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0987604632973671},{"word":"that","start":851.545,"end":852.045,"confidence":0.9013672,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1386587917804718},{"word":"yep","start":860.32,"end":860.82,"confidence":0.9057617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06995712220668793},{"word":"okay","start":863.28,"end":863.6,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15291190147399902},{"word":"no","start":863.6,"end":863.84,"confidence":0.93066406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0854751318693161},{"word":"that's","start":863.84,"end":864.0,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.33186405897140503},{"word":"fine","start":864.0,"end":864.16,"confidence":0.9941406,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.24690090119838717},{"word":"and","start":864.16,"end":864.4,"confidence":0.75878906,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.22408804297447205},{"word":"look","start":864.4,"end":864.56,"confidence":0.98706055,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.28605908155441284},{"word":"there's","start":864.56,"end":864.8,"confidence":1.0,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.3621046245098114},{"word":"nothing","start":864.8,"end":865.04,"confidence":1.0,"punctuated_word":"nothing","sentiment":"positive","sentiment_score":0.33498120307922363},{"word":"wrong","start":865.04,"end":865.28,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":0.22316701710224152},{"word":"with","start":865.28,"end":865.78,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.33607181906700134},{"word":"the","start":865.84,"end":866.08,"confidence":0.9550781,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44386959075927734},{"word":"the","start":866.08,"end":866.24,"confidence":0.88671875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4263876974582672},{"word":"platform","start":866.24,"end":866.72,"confidence":0.9980469,"punctuated_word":"platform","sentiment":"positive","sentiment_score":0.3336169123649597},{"word":"of","start":866.72,"end":866.88,"confidence":0.83740234,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4709089398384094},{"word":"netwealth","start":866.88,"end":867.38,"confidence":0.89420575,"punctuated_word":"Netwealth.","sentiment":"positive","sentiment_score":0.43740567564964294},{"word":"the","start":867.52,"end":867.68,"confidence":0.9980469,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.5088152289390564},{"word":"feed","start":867.68,"end":867.92,"confidence":0.31811523,"punctuated_word":"feed","sentiment":"positive","sentiment_score":0.5924669504165649},{"word":"is","start":867.92,"end":868.0,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5641791820526123},{"word":"still","start":868.0,"end":868.24,"confidence":0.99609375,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.570185661315918},{"word":"competitive","start":868.24,"end":868.74,"confidence":0.9758301,"punctuated_word":"competitive.","sentiment":"positive","sentiment_score":0.46849262714385986},{"word":"the","start":868.88,"end":869.04,"confidence":1.0,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4211081862449646},{"word":"investment","start":869.04,"end":869.52,"confidence":1.0,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3935620188713074},{"word":"menu","start":869.52,"end":869.84,"confidence":0.9902344,"punctuated_word":"menu","sentiment":"positive","sentiment_score":0.48415490984916687},{"word":"is","start":869.84,"end":870.0,"confidence":0.8833008,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.519865870475769},{"word":"still","start":870.0,"end":870.24,"confidence":0.9921875,"punctuated_word":"still,","sentiment":"positive","sentiment_score":0.4515235722064972},{"word":"you","start":870.24,"end":870.4,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3982602059841156},{"word":"know","start":870.4,"end":870.72,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4502333402633667},{"word":"top","start":870.72,"end":870.96,"confidence":0.9941406,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.48889783024787903},{"word":"five","start":870.96,"end":871.2,"confidence":1.0,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.5463341474533081},{"word":"in","start":871.2,"end":871.44,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.46081188321113586},{"word":"the","start":871.44,"end":871.6,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5057475566864014},{"word":"country","start":871.6,"end":872.1,"confidence":0.9995117,"punctuated_word":"country.","sentiment":"positive","sentiment_score":0.34762337803840637},{"word":"it's","start":872.255,"end":872.415,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.24438028037548065},{"word":"just","start":872.415,"end":872.575,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2231665998697281},{"word":"like","start":872.575,"end":872.65497,"confidence":0.6748047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.18111483752727509},{"word":"if","start":872.65497,"end":872.975,"confidence":0.75927734,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1891934275627136},{"word":"i","start":872.975,"end":873.135,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2024747729301453},{"word":"wanna","start":873.135,"end":873.375,"confidence":0.8540039,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1917472332715988},{"word":"try","start":873.375,"end":873.615,"confidence":0.9970703,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1207406148314476},{"word":"and","start":873.615,"end":873.77496,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1703632026910782},{"word":"find","start":873.77496,"end":874.27496,"confidence":0.9902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.1862472891807556},{"word":"the","start":874.575,"end":874.975,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20445875823497772},{"word":"the","start":874.975,"end":875.135,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20780763030052185},{"word":"extra","start":875.135,"end":875.455,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.1844615340232849},{"word":"1%","start":875.455,"end":876.095,"confidence":0.9975586,"punctuated_word":"1%","sentiment":"neutral","sentiment_score":0.2425231635570526},{"word":"for","start":876.095,"end":876.33496,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23736819624900815},{"word":"you","start":876.33496,"end":876.575,"confidence":0.99194336,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.20121081173419952},{"word":"i","start":876.575,"end":876.65497,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1914345920085907},{"word":"can","start":876.65497,"end":876.89496,"confidence":0.9472656,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13492563366889954},{"word":"go","start":876.89496,"end":877.055,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02669724822044373},{"word":"away","start":877.055,"end":877.295,"confidence":0.97998047,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.14248797297477722},{"word":"and","start":877.295,"end":877.375,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14661556482315063},{"word":"do","start":877.375,"end":877.535,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15635386109352112},{"word":"that","start":877.535,"end":878.035,"confidence":0.9951172,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1869172900915146},{"word":"cool","start":880.175,"end":880.675,"confidence":0.78125,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.41190069913864136},{"word":"when","start":881.455,"end":881.77496,"confidence":0.5004883,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.13558650016784668},{"word":"when","start":881.77496,"end":881.935,"confidence":0.78466797,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.109169602394104},{"word":"it","start":881.935,"end":882.015,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12368175387382507},{"word":"comes","start":882.015,"end":882.33496,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.09007693827152252},{"word":"to","start":882.33496,"end":882.575,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09411837160587312},{"word":"the","start":882.575,"end":882.815,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1102265566587448},{"word":"colonial","start":882.815,"end":883.315,"confidence":0.80371094,"punctuated_word":"Colonial","sentiment":"neutral","sentiment_score":0.08905439078807831},{"word":"account","start":883.455,"end":883.77496,"confidence":0.7705078,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.0848621353507042},{"word":"so","start":883.77496,"end":883.935,"confidence":0.9741211,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08686089515686035},{"word":"the","start":883.935,"end":884.175,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11219540238380432},{"word":"usual","start":884.175,"end":884.575,"confidence":1.0,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.1466173529624939},{"word":"strategy","start":884.575,"end":885.055,"confidence":0.9604492,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.15364813804626465},{"word":"with","start":885.055,"end":885.295,"confidence":0.9741211,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1432124376296997},{"word":"this","start":885.295,"end":885.535,"confidence":0.75390625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13886934518814087},{"word":"situation","start":885.535,"end":886.035,"confidence":0.9716797,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.1690331995487213},{"word":"is","start":886.095,"end":886.175,"confidence":0.6303711,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17247045040130615},{"word":"you've","start":886.175,"end":886.415,"confidence":0.9941406,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.15496669709682465},{"word":"got","start":886.415,"end":886.89,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.15341828763484955},{"word":"your","start":886.97003,"end":887.29004,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10036046802997588},{"word":"insurance","start":887.29004,"end":887.69,"confidence":0.8989258,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.13135764002799988},{"word":"is","start":887.69,"end":887.85004,"confidence":0.60498047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10002319514751434},{"word":"sitting","start":887.85004,"end":888.09,"confidence":0.9980469,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.13849647343158722},{"word":"over","start":888.09,"end":888.25,"confidence":0.98095703,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.10727355629205704},{"word":"there","start":888.25,"end":888.75,"confidence":0.97314453,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1316494643688202},{"word":"we","start":888.97003,"end":889.21,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10314451158046722},{"word":"usually","start":889.21,"end":889.53,"confidence":0.9970703,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.1412280648946762},{"word":"like","start":889.53,"end":889.77,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13501761853694916},{"word":"to","start":889.77,"end":889.93,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15172454714775083},{"word":"maintain","start":889.93,"end":890.43,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.10854168236255646},{"word":"about","start":890.49,"end":890.81,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1270771324634552},{"word":"10,000","start":890.81,"end":891.55,"confidence":0.9995117,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.23528428375720975},{"word":"to","start":891.85004,"end":891.93,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1725936084985733},{"word":"keep","start":891.93,"end":892.25,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.17931348085403442},{"word":"the","start":892.25,"end":892.65,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21430177986621857},{"word":"the","start":892.65,"end":892.81,"confidence":0.8745117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1685517430305481},{"word":"insurance","start":892.81,"end":893.31,"confidence":0.9873047,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.15796881914138794},{"word":"in","start":893.37,"end":893.53,"confidence":0.7705078,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23336859047412872},{"word":"force","start":893.53,"end":894.03,"confidence":0.41455078,"punctuated_word":"force","sentiment":"neutral","sentiment_score":0.14864927530288696},{"word":"and","start":894.09,"end":894.33,"confidence":0.8125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10601425170898438},{"word":"then","start":894.33,"end":894.57,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10110726952552795},{"word":"move","start":894.57,"end":894.81,"confidence":0.9941406,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.07728439569473267},{"word":"funds","start":894.81,"end":895.29004,"confidence":0.984375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.09781333804130554},{"word":"across","start":895.29004,"end":895.79004,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.10989350080490112},{"word":"to","start":896.17004,"end":896.33,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12232158333063126},{"word":"invest","start":896.33,"end":896.73004,"confidence":0.9951172,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.10221719741821288},{"word":"into","start":896.73004,"end":897.13,"confidence":0.9741211,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.14111220836639404},{"word":"your","start":897.13,"end":897.63,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11537478864192964},{"word":"your","start":897.69,"end":897.93,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12616080045700073},{"word":"main","start":897.93,"end":898.25,"confidence":0.9970703,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.13274544477462769},{"word":"funds","start":898.25,"end":898.75,"confidence":0.8183594,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.10116036236286163},{"word":"are","start":899.145,"end":899.385,"confidence":0.99609375,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.07279319316148758},{"word":"you","start":899.385,"end":899.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04798112064599991},{"word":"still","start":899.465,"end":899.78503,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07197856903076172},{"word":"okay","start":899.78503,"end":900.10504,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.17592103779315948},{"word":"with","start":900.10504,"end":900.265,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.133572056889534},{"word":"that","start":900.265,"end":900.42505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1847824305295944},{"word":"idea","start":900.42505,"end":900.74506,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.1704753190279007},{"word":"for","start":900.74506,"end":900.905,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2303428500890732},{"word":"me","start":900.905,"end":900.98505,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.20354625582695007},{"word":"to","start":900.98505,"end":901.065,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2034091055393219},{"word":"do","start":901.065,"end":901.22504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2071024626493454},{"word":"a","start":901.22504,"end":901.30505,"confidence":0.6425781,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.18497738242149353},{"word":"like","start":901.30505,"end":901.625,"confidence":0.9885254,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12180469185113908},{"word":"a","start":901.625,"end":901.705,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18958130478858948},{"word":"bit","start":901.705,"end":901.86505,"confidence":0.9086914,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14931908249855042},{"word":"of","start":901.86505,"end":902.025,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16231444478034973},{"word":"a","start":902.025,"end":902.10504,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17589595913887024},{"word":"comparison","start":902.10504,"end":902.60504,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.13164201378822327},{"word":"between","start":902.74506,"end":903.065,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0983051136136055},{"word":"the","start":903.065,"end":903.30505,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11521686613559724},{"word":"two","start":903.30505,"end":903.80505,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0706152468919754},{"word":"and","start":904.025,"end":904.265,"confidence":0.8017578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0891522467136383},{"word":"look","start":904.265,"end":904.505,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13408532738685608},{"word":"at","start":904.505,"end":904.585,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13461321592330933},{"word":"a","start":904.585,"end":904.74506,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12810692191123962},{"word":"bit","start":904.74506,"end":904.905,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06732212752103806},{"word":"of","start":904.905,"end":905.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1093924045562744},{"word":"a","start":905.065,"end":905.145,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10659689456224442},{"word":"sweep","start":905.145,"end":905.385,"confidence":0.9243164,"punctuated_word":"sweep","sentiment":"neutral","sentiment_score":0.09042742103338242},{"word":"across","start":905.385,"end":905.885,"confidence":0.9921875,"punctuated_word":"across?","sentiment":"neutral","sentiment_score":0.09482447803020476},{"word":"yeah","start":918.13995,"end":918.45996,"confidence":0.8466797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09825057536363602},{"word":"yeah","start":918.45996,"end":918.77997,"confidence":0.9387207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0960441380739212},{"word":"we","start":918.77997,"end":919.01996,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07823508977890015},{"word":"can","start":919.01996,"end":919.18,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13126491010189056},{"word":"basically","start":919.18,"end":919.66,"confidence":0.9892578,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11381223052740096},{"word":"go","start":919.66,"end":919.89996,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11923371255397797},{"word":"through","start":919.89996,"end":920.39996,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08900763839483261},{"word":"and","start":920.69995,"end":920.94,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08379185944795609},{"word":"look","start":920.94,"end":921.18,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06235787644982338},{"word":"at","start":921.18,"end":921.42,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08008106052875519},{"word":"i","start":921.57996,"end":921.74,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07316222041845322},{"word":"do","start":921.74,"end":921.89996,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08034457266330719},{"word":"need","start":921.89996,"end":922.06,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08379259705543518},{"word":"a","start":922.06,"end":922.13995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0768633708357811},{"word":"little","start":922.13995,"end":922.38,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06063029542565346},{"word":"bit","start":922.38,"end":922.54,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06026040762662888},{"word":"of","start":922.54,"end":922.62,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04868632927536965},{"word":"research","start":922.62,"end":923.1,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.030502766370773315},{"word":"on","start":923.1,"end":923.18,"confidence":0.97509766,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.042650483548641205},{"word":"your","start":923.18,"end":923.42,"confidence":0.7089844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0888325423002243},{"word":"client","start":923.42,"end":923.92,"confidence":0.5147705,"punctuated_word":"client,","sentiment":"neutral","sentiment_score":0.09459683299064636},{"word":"actually","start":924.13995,"end":924.63995,"confidence":0.88916016,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.064827561378479},{"word":"but","start":924.86,"end":925.1,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05463875830173493},{"word":"besides","start":925.1,"end":925.6,"confidence":0.73010254,"punctuated_word":"besides,","sentiment":"neutral","sentiment_score":0.0363704115152359},{"word":"once","start":925.74,"end":925.98,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.047192368656396866},{"word":"i've","start":925.98,"end":926.13995,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0484328418970108},{"word":"got","start":926.13995,"end":926.3,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05831411108374595},{"word":"the","start":926.3,"end":926.45996,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.037856701761484146},{"word":"authority","start":926.45996,"end":926.95996,"confidence":0.99316406,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.06540820002555847},{"word":"fixed","start":927.1,"end":927.42,"confidence":0.97509766,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.06809845566749573},{"word":"up","start":927.42,"end":927.92,"confidence":0.9970703,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.06989343464374542},{"word":"i","start":928.055,"end":928.295,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07672131806612015},{"word":"can","start":928.295,"end":928.45496,"confidence":0.890625,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0745493695139885},{"word":"break","start":928.45496,"end":928.77496,"confidence":0.95410156,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.09053003042936324},{"word":"down","start":928.77496,"end":929.095,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09557992219924928},{"word":"the","start":929.095,"end":929.33496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06779925525188446},{"word":"account","start":929.33496,"end":929.83496,"confidence":0.6242676,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.07983428984880447},{"word":"and","start":930.295,"end":930.615,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0913017988204956},{"word":"we've","start":930.615,"end":930.77496,"confidence":0.9926758,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.12432166934013368},{"word":"got","start":930.77496,"end":930.935,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1630544662475586},{"word":"all","start":930.935,"end":931.095,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1356555074453354},{"word":"the","start":931.095,"end":931.175,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1378321796655655},{"word":"research","start":931.175,"end":931.57495,"confidence":0.78759766,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.0824805349111557},{"word":"tools","start":931.57495,"end":931.89496,"confidence":0.98535156,"punctuated_word":"tools","sentiment":"neutral","sentiment_score":0.1264455020427704},{"word":"to","start":931.89496,"end":931.975,"confidence":0.9301758,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15266680717468262},{"word":"go","start":931.975,"end":932.13495,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13984544575214386},{"word":"under","start":932.13495,"end":932.375,"confidence":0.875,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.16628813743591309},{"word":"the","start":932.375,"end":932.535,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1605086326599121},{"word":"hood","start":932.535,"end":932.69495,"confidence":0.52978516,"punctuated_word":"hood","sentiment":"neutral","sentiment_score":0.17524105310440063},{"word":"and","start":932.69495,"end":932.855,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08955259621143341},{"word":"look","start":932.855,"end":933.01495,"confidence":0.9550781,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06789231300354004},{"word":"at","start":933.01495,"end":933.415,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05714830756187439},{"word":"both","start":933.415,"end":933.735,"confidence":0.96875,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.0899953544139862},{"word":"funds","start":933.735,"end":934.235,"confidence":0.97802734,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.07104487717151642},{"word":"side","start":935.415,"end":935.57495,"confidence":0.8691406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.052798230201005936},{"word":"by","start":935.57495,"end":935.815,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.02699971944093704},{"word":"side","start":935.815,"end":936.315,"confidence":0.9980469,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.021460141986608505},{"word":"yeah","start":958.245,"end":958.725,"confidence":0.81884766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08691629767417908},{"word":"and","start":958.725,"end":958.965,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06942487508058548},{"word":"i've","start":958.965,"end":959.125,"confidence":0.86157227,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08371033519506454},{"word":"got","start":959.125,"end":959.28503,"confidence":0.5395508,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1212887316942215},{"word":"to","start":959.28503,"end":959.365,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13168422877788544},{"word":"give","start":959.365,"end":959.525,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.13616514205932617},{"word":"you","start":959.525,"end":959.605,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1291297823190689},{"word":"a","start":959.605,"end":959.685,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16471943259239197},{"word":"bit","start":959.685,"end":959.84503,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14693519473075867},{"word":"of","start":959.84503,"end":960.165,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15573547780513763},{"word":"a","start":960.165,"end":960.32495,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16735337674617767},{"word":"a","start":960.32495,"end":960.485,"confidence":0.6489258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15947270393371582},{"word":"dual","start":960.485,"end":960.885,"confidence":0.95166016,"punctuated_word":"dual","sentiment":"neutral","sentiment_score":0.10968246310949326},{"word":"comparison","start":960.885,"end":961.385,"confidence":0.9970703,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.0968526378273964},{"word":"there","start":961.445,"end":961.685,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15543492138385773},{"word":"because","start":961.685,"end":962.185,"confidence":0.8613281,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1438027024269104},{"word":"i","start":962.485,"end":962.565,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19538751244544983},{"word":"can","start":962.565,"end":962.805,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22126781940460205},{"word":"look","start":962.805,"end":963.045,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1893734633922577},{"word":"back","start":963.045,"end":963.205,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2159835398197174},{"word":"and","start":963.205,"end":963.365,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15052825212478638},{"word":"go","start":963.365,"end":963.685,"confidence":0.75756836,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.22372278571128845},{"word":"this","start":963.685,"end":963.925,"confidence":0.96240234,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2154582142829895},{"word":"is","start":963.925,"end":964.085,"confidence":0.8017578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19563812017440796},{"word":"the","start":964.085,"end":964.325,"confidence":0.56152344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1470208466053009},{"word":"twelve","start":964.325,"end":964.645,"confidence":0.9970703,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.10315386205911636},{"word":"months","start":964.645,"end":965.1,"confidence":0.85375977,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.16238455474376678},{"word":"but","start":965.1,"end":965.25995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2413897067308426},{"word":"i'm","start":965.25995,"end":965.42,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2541690766811371},{"word":"also","start":965.42,"end":965.74,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2463666796684265},{"word":"forward","start":965.74,"end":966.13995,"confidence":0.99316406,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.27064070105552673},{"word":"looking","start":966.13995,"end":966.54,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2661023736000061},{"word":"and","start":966.54,"end":966.62,"confidence":0.39379883,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23497220873832703},{"word":"saying","start":966.62,"end":966.94,"confidence":0.70410156,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.2128184586763382},{"word":"which","start":966.94,"end":967.18,"confidence":0.8701172,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1369306445121765},{"word":"one's","start":967.18,"end":967.5,"confidence":0.8852539,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.184365838766098},{"word":"looking","start":967.5,"end":967.81995,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.16938358545303345},{"word":"good","start":967.81995,"end":968.06,"confidence":0.99609375,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.26207250356674194},{"word":"going","start":968.06,"end":968.3,"confidence":0.9970703,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.31680262088775635},{"word":"forward","start":968.3,"end":968.8,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.2861441373825073},{"word":"in","start":969.1,"end":969.33997,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01302419975399971},{"word":"terms","start":969.33997,"end":969.66,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.003001755103468895},{"word":"of","start":969.66,"end":969.89996,"confidence":0.9724121,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.0161728598177433},{"word":"you","start":969.89996,"end":970.06,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02571341022849083},{"word":"know","start":970.06,"end":970.3,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.019945180043578148},{"word":"the","start":970.3,"end":970.45996,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009457610547542572},{"word":"switch","start":970.45996,"end":970.69995,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.0009169913828372956},{"word":"that","start":970.69995,"end":970.86,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007700091227889061},{"word":"we","start":970.86,"end":971.01996,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.006541714072227478},{"word":"just","start":971.01996,"end":971.18,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.003387138247489929},{"word":"made","start":971.18,"end":971.3,"confidence":0.99902344,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.003824634477496147},{"word":"a","start":971.3,"end":971.42,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010891718789935112},{"word":"month","start":971.42,"end":971.66,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.00020978599786758423},{"word":"until","start":971.66,"end":971.98,"confidence":0.54345703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.01187160611152649},{"word":"we","start":971.98,"end":972.06,"confidence":0.88671875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.012687662616372108},{"word":"got","start":972.06,"end":972.56,"confidence":0.61694336,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":0.00669131800532341},{"word":"cool","start":975.1,"end":975.6,"confidence":0.76831055,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4847995340824127},{"word":"i'll","start":976.06,"end":976.3,"confidence":0.95458984,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.31365859508514404},{"word":"do","start":976.3,"end":976.45996,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.32058441638946533},{"word":"that","start":976.45996,"end":976.69995,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3956585228443146},{"word":"comparison","start":976.69995,"end":977.19995,"confidence":1.0,"punctuated_word":"comparison","sentiment":"positive","sentiment_score":0.36043503880500793},{"word":"there","start":977.25995,"end":977.5,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2314968705177307},{"word":"i","start":977.5,"end":977.66,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1373957097530365},{"word":"was","start":977.66,"end":977.81995,"confidence":0.96972656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1201966553926468},{"word":"just","start":977.81995,"end":977.98,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14565879106521606},{"word":"having","start":977.98,"end":978.1,"confidence":0.98095703,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.14162370562553406},{"word":"a","start":978.1,"end":978.22,"confidence":0.9550781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15206487476825714},{"word":"look","start":978.22,"end":978.38,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10891266167163847},{"word":"at","start":978.38,"end":978.54,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1413336992263794},{"word":"our","start":978.54,"end":978.69995,"confidence":0.92578125,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.17608387768268585},{"word":"new","start":978.69995,"end":978.86,"confidence":0.99609375,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.2329569160938263},{"word":"system","start":978.86,"end":979.1,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.22679170966148376},{"word":"because","start":979.1,"end":979.33997,"confidence":0.9165039,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.19209495186805725},{"word":"i'm","start":979.33997,"end":979.5,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.21757879853248596},{"word":"trying","start":979.5,"end":979.74,"confidence":0.9980469,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.237003430724144},{"word":"to","start":979.74,"end":979.81995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23388691246509552},{"word":"make","start":979.81995,"end":979.89996,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17918159067630768},{"word":"sure","start":979.89996,"end":980.13995,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.22255471348762512},{"word":"the","start":980.13995,"end":980.3,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22586067020893097},{"word":"data's","start":980.3,"end":980.8,"confidence":0.8132324,"punctuated_word":"data's","sentiment":"neutral","sentiment_score":0.20647266507148743},{"word":"accurate","start":981.165,"end":981.40497,"confidence":0.99902344,"punctuated_word":"accurate","sentiment":"neutral","sentiment_score":0.11376000195741652},{"word":"since","start":981.40497,"end":981.805,"confidence":0.9506836,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.164744570851326},{"word":"it's","start":981.805,"end":981.96497,"confidence":0.9753418,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16518661379814148},{"word":"come","start":981.96497,"end":982.205,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.18216967582702637},{"word":"across","start":982.205,"end":982.705,"confidence":0.9995117,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":0.11977733671665192},{"word":"basically","start":983.885,"end":984.365,"confidence":0.873291,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.08247872442007065},{"word":"there","start":984.365,"end":984.685,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.12958410382270813},{"word":"was","start":984.685,"end":985.185,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15838566422462463},{"word":"a","start":986.445,"end":986.52496,"confidence":0.94189453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18646568059921265},{"word":"bit","start":986.52496,"end":986.765,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.19363005459308624},{"word":"of","start":986.765,"end":986.845,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2170460075139999},{"word":"an","start":986.845,"end":987.005,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.21449348330497744},{"word":"issue","start":987.005,"end":987.40497,"confidence":1.0,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":-0.23561431467533112},{"word":"with","start":987.40497,"end":987.805,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3256004750728607},{"word":"a","start":987.805,"end":988.285,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.35393229126930237},{"word":"spelling","start":988.285,"end":988.685,"confidence":1.0,"punctuated_word":"spelling","sentiment":"negative","sentiment_score":-0.37033164501190186},{"word":"error","start":988.685,"end":989.005,"confidence":1.0,"punctuated_word":"error","sentiment":"negative","sentiment_score":-0.33913663029670715},{"word":"on","start":989.005,"end":989.165,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2965584099292755},{"word":"an","start":989.165,"end":989.40497,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.304471492767334},{"word":"email","start":989.40497,"end":989.725,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.27115899324417114},{"word":"address","start":989.725,"end":990.225,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.21157506108283997},{"word":"for","start":990.365,"end":990.605,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.22150541841983795},{"word":"an","start":990.605,"end":990.765,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.17815624177455902},{"word":"authority","start":990.765,"end":991.165,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":-0.2412586212158203},{"word":"for","start":991.165,"end":991.40497,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20824240148067472},{"word":"us","start":991.40497,"end":991.565,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.13122794032096863},{"word":"to","start":991.565,"end":991.725,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20556724071502688},{"word":"contact","start":991.725,"end":992.205,"confidence":0.99902344,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":-0.19691257178783417},{"word":"them","start":992.205,"end":992.705,"confidence":0.75805664,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.212296724319458},{"word":"and","start":993.005,"end":993.485,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.10677643865346909},{"word":"there","start":993.485,"end":993.725,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.09300515055656432},{"word":"was","start":993.725,"end":993.885,"confidence":0.96240234,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05524201691150665},{"word":"a","start":993.885,"end":994.045,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.057164516299963},{"word":"note","start":994.045,"end":994.285,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.048885930329561234},{"word":"there","start":994.285,"end":994.445,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.03920599818229675},{"word":"that","start":994.445,"end":994.605,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.041284821927547455},{"word":"you","start":994.605,"end":994.765,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03299638256430626},{"word":"were","start":994.765,"end":994.925,"confidence":0.6088867,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.02649955451488495},{"word":"gonna","start":994.925,"end":995.325,"confidence":0.94189453,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.01978541538119316},{"word":"call","start":995.325,"end":995.565,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.03744363412261009},{"word":"colonial","start":995.565,"end":996.065,"confidence":0.9838867,"punctuated_word":"Colonial","sentiment":"neutral","sentiment_score":-0.035108864307403564},{"word":"just","start":996.5,"end":996.57996,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04603502154350281},{"word":"to","start":996.57996,"end":996.82,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03593338653445244},{"word":"update","start":996.82,"end":997.3,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0005531162023544312},{"word":"the","start":997.3,"end":997.45996,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020853396505117416},{"word":"email","start":997.45996,"end":997.77997,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.07259130477905273},{"word":"address","start":997.77997,"end":998.1,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.04588533937931061},{"word":"so","start":998.1,"end":998.26,"confidence":0.9526367,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.009691495448350906},{"word":"it","start":998.26,"end":998.42,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.016090024262666702},{"word":"could","start":998.42,"end":998.66,"confidence":0.9770508,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.04078003764152527},{"word":"match","start":998.66,"end":999.16,"confidence":0.9921875,"punctuated_word":"match.","sentiment":"neutral","sentiment_score":-0.05435692518949509},{"word":"does","start":999.45996,"end":999.62,"confidence":0.9633789,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.06851057708263397},{"word":"that","start":999.62,"end":999.77997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11047282814979552},{"word":"ring","start":999.77997,"end":1000.01996,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.07708857953548431},{"word":"a","start":1000.01996,"end":1000.1,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.109176866710186},{"word":"bell","start":1000.1,"end":1000.26,"confidence":1.0,"punctuated_word":"bell","sentiment":"neutral","sentiment_score":-0.05294240266084671},{"word":"from","start":1000.26,"end":1000.5,"confidence":0.92749023,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":-0.1065857857465744},{"word":"like","start":1000.5,"end":1000.66,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08554410934448242},{"word":"the","start":1000.66,"end":1000.82,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07746737450361252},{"word":"last","start":1000.82,"end":1001.22,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06722059845924377},{"word":"twelve","start":1001.22,"end":1001.45996,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.07764320075511932},{"word":"months","start":1001.45996,"end":1001.7,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.04451315104961395},{"word":"or","start":1001.7,"end":1001.86,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05663129314780235},{"word":"so","start":1001.86,"end":1002.01996,"confidence":0.9807129,"punctuated_word":"so?","sentiment":"neutral","sentiment_score":-0.0909355878829956},{"word":"could","start":1002.01996,"end":1002.33997,"confidence":0.5986328,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":-0.1652458757162094},{"word":"it","start":1002.33997,"end":1002.42,"confidence":0.63623047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11040033400058746},{"word":"even","start":1002.42,"end":1002.66,"confidence":0.625,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.10788489133119585},{"word":"been","start":1002.66,"end":1002.82,"confidence":0.49047852,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.10607865452766418},{"word":"earlier","start":1002.82,"end":1003.32,"confidence":0.9604492,"punctuated_word":"earlier?","sentiment":"neutral","sentiment_score":-0.12120836228132248},{"word":"that's","start":1006.74,"end":1006.98,"confidence":0.9838867,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08876180648803711},{"word":"okay","start":1006.98,"end":1007.3,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.048056699335575104},{"word":"if","start":1007.3,"end":1007.45996,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.014857709407806396},{"word":"you're","start":1007.45996,"end":1007.7,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.007773769553750753},{"word":"okay","start":1007.7,"end":1007.94,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.021070823073387143},{"word":"with","start":1007.94,"end":1008.18,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04677405953407288},{"word":"that","start":1008.18,"end":1008.33997,"confidence":0.99560547,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.04415743798017502},{"word":"i'll","start":1008.33997,"end":1008.5,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07524639368057251},{"word":"get","start":1008.5,"end":1008.66,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06448601186275482},{"word":"the","start":1008.66,"end":1008.82,"confidence":0.93359375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05159075930714607},{"word":"team","start":1008.82,"end":1009.06,"confidence":0.6425781,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.006772086024284363},{"word":"to","start":1009.06,"end":1009.22,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07738080620765686},{"word":"kind","start":1009.22,"end":1009.45996,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03714946657419205},{"word":"of","start":1009.45996,"end":1009.815,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0713062509894371},{"word":"go","start":1009.895,"end":1010.135,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08192805200815201},{"word":"through","start":1010.135,"end":1010.295,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07159781455993652},{"word":"the","start":1010.295,"end":1010.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05170835927128792},{"word":"authority","start":1010.535,"end":1011.035,"confidence":0.99609375,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.011701509356498718},{"word":"so","start":1011.09503,"end":1011.415,"confidence":0.9604492,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04197494685649872},{"word":"we","start":1011.415,"end":1011.495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09911783039569856},{"word":"can","start":1011.495,"end":1011.655,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08238451182842255},{"word":"get","start":1011.655,"end":1011.895,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08851657807826996},{"word":"a","start":1011.895,"end":1011.975,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11201098561286926},{"word":"rundown","start":1011.975,"end":1012.475,"confidence":0.9404297,"punctuated_word":"rundown","sentiment":"neutral","sentiment_score":0.08269436657428741},{"word":"and","start":1012.935,"end":1013.175,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03742075338959694},{"word":"access","start":1013.175,"end":1013.575,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.02873340994119644},{"word":"to","start":1013.575,"end":1013.735,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08192398399114609},{"word":"the","start":1013.735,"end":1013.895,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09441958367824554},{"word":"account","start":1013.895,"end":1014.295,"confidence":0.87060547,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.052526529878377914},{"word":"again","start":1014.295,"end":1014.695,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.15116587281227112},{"word":"just","start":1014.695,"end":1014.935,"confidence":0.5463867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07863903045654297},{"word":"because","start":1014.935,"end":1015.175,"confidence":0.99316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04789683222770691},{"word":"it's","start":1015.175,"end":1015.335,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04494038969278336},{"word":"one","start":1015.335,"end":1015.495,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02663926407694817},{"word":"of","start":1015.495,"end":1015.575,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03290222957730293},{"word":"the","start":1015.575,"end":1015.655,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0300089530646801},{"word":"things","start":1015.655,"end":1015.895,"confidence":0.9941406,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.060397472232580185},{"word":"that","start":1015.895,"end":1015.975,"confidence":0.5986328,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011076670140028},{"word":"you've","start":1015.975,"end":1016.135,"confidence":0.9680176,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.02090499922633171},{"word":"got","start":1016.135,"end":1016.295,"confidence":0.6591797,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05254705622792244},{"word":"to","start":1016.295,"end":1016.455,"confidence":0.7416992,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04285161569714546},{"word":"refresh","start":1016.455,"end":1016.855,"confidence":0.99902344,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.03127202391624451},{"word":"every","start":1016.855,"end":1017.09503,"confidence":0.8774414,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.032243479043245316},{"word":"now","start":1017.09503,"end":1017.255,"confidence":0.97998047,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.04536767303943634},{"word":"and","start":1017.255,"end":1017.335,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006127025932073593},{"word":"then","start":1017.335,"end":1017.835,"confidence":0.9980469,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.03379788249731064},{"word":"cool","start":1020.055,"end":1020.555,"confidence":0.81591797,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.18654991686344147},{"word":"in","start":1021.09503,"end":1021.335,"confidence":0.89990234,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.06902268528938293},{"word":"terms","start":1021.335,"end":1021.575,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04694444313645363},{"word":"of","start":1021.575,"end":1021.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06326264142990112},{"word":"the","start":1021.735,"end":1021.975,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07963089644908905},{"word":"insurances","start":1021.975,"end":1022.475,"confidence":0.8699544,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.0619833879172802},{"word":"though","start":1022.775,"end":1023.275,"confidence":0.99365234,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.054031550884246826},{"word":"really","start":1024.59,"end":1024.99,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6973136067390442},{"word":"fantastic","start":1024.99,"end":1025.49,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.6088184714317322},{"word":"policy","start":1025.55,"end":1026.03,"confidence":0.98828125,"punctuated_word":"policy","sentiment":"positive","sentiment_score":0.7186723351478577},{"word":"that","start":1026.03,"end":1026.11,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6154890656471252},{"word":"they've","start":1026.11,"end":1026.35,"confidence":0.9975586,"punctuated_word":"they've","sentiment":"positive","sentiment_score":0.5342585444450378},{"word":"got","start":1026.35,"end":1026.51,"confidence":0.9970703,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.606658399105072},{"word":"you","start":1026.51,"end":1026.59,"confidence":0.9819336,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5947414040565491},{"word":"in","start":1026.59,"end":1026.83,"confidence":0.890625,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4774582087993622},{"word":"from","start":1026.83,"end":1027.0701,"confidence":0.90527344,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4664278328418732},{"word":"commonsure","start":1027.0701,"end":1027.47,"confidence":0.7345378,"punctuated_word":"CommonSure.","sentiment":"positive","sentiment_score":0.4566415846347809},{"word":"i","start":1027.47,"end":1027.55,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04168130457401275},{"word":"don't","start":1027.55,"end":1027.71,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.029264304786920547},{"word":"know","start":1027.71,"end":1027.79,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05399927869439125},{"word":"if","start":1027.79,"end":1027.87,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.056856561452150345},{"word":"you","start":1027.87,"end":1028.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06172524020075798},{"word":"remember","start":1028.11,"end":1028.43,"confidence":0.9980469,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.019530609250068665},{"word":"the","start":1028.43,"end":1028.59,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.033524662256240845},{"word":"news","start":1028.59,"end":1028.83,"confidence":0.9980469,"punctuated_word":"news","sentiment":"neutral","sentiment_score":-0.09569720178842545},{"word":"articles","start":1028.83,"end":1029.23,"confidence":0.8886719,"punctuated_word":"articles","sentiment":"neutral","sentiment_score":-0.10225589573383333},{"word":"that","start":1029.23,"end":1029.39,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04433749616146088},{"word":"came","start":1029.39,"end":1029.55,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.04785855859518051},{"word":"out","start":1029.55,"end":1029.79,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.052200011909008026},{"word":"about","start":1029.79,"end":1030.03,"confidence":0.91845703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.029051922261714935},{"word":"commonsure","start":1030.03,"end":1030.53,"confidence":0.93310547,"punctuated_word":"CommonSure","sentiment":"neutral","sentiment_score":0.04897323250770569},{"word":"back","start":1030.59,"end":1030.75,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.027912206947803497},{"word":"in","start":1030.75,"end":1030.91,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0737312063574791},{"word":"the","start":1030.91,"end":1031.0701,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05051789432764053},{"word":"day","start":1031.0701,"end":1031.5701,"confidence":0.9421387,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.025673601776361465},{"word":"yeah","start":1037.035,"end":1037.275,"confidence":0.84033203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09158994257450104},{"word":"there","start":1037.275,"end":1037.515,"confidence":0.9819336,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.22872748970985413},{"word":"was","start":1037.515,"end":1037.675,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2305073440074921},{"word":"that","start":1037.675,"end":1037.915,"confidence":0.67871094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2351740449666977},{"word":"huge","start":1037.915,"end":1038.3151,"confidence":1.0,"punctuated_word":"huge","sentiment":"negative","sentiment_score":-0.499770313501358},{"word":"scandal","start":1038.3151,"end":1038.8151,"confidence":0.8781738,"punctuated_word":"scandal,","sentiment":"neutral","sentiment_score":-0.28753140568733215},{"word":"and","start":1038.955,"end":1039.115,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.23351040482521057},{"word":"i","start":1039.115,"end":1039.275,"confidence":0.75341797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2191496342420578},{"word":"ended","start":1039.275,"end":1039.515,"confidence":1.0,"punctuated_word":"ended","sentiment":"neutral","sentiment_score":-0.2521333694458008},{"word":"up","start":1039.515,"end":1039.675,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.14985504746437073},{"word":"kind","start":1039.675,"end":1039.915,"confidence":0.97314453,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.15661334991455078},{"word":"of","start":1039.915,"end":1040.075,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20128805935382843},{"word":"winding","start":1040.075,"end":1040.475,"confidence":0.99902344,"punctuated_word":"winding","sentiment":"neutral","sentiment_score":-0.22834345698356628},{"word":"down","start":1040.475,"end":1040.795,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1847594678401947},{"word":"as","start":1040.795,"end":1040.955,"confidence":0.98291016,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2062999457120895},{"word":"an","start":1040.955,"end":1041.115,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.22508370876312256},{"word":"insurance","start":1041.115,"end":1041.615,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.2760920524597168},{"word":"company","start":1041.755,"end":1042.255,"confidence":0.92749023,"punctuated_word":"company.","sentiment":"neutral","sentiment_score":-0.23416019976139069},{"word":"but","start":1042.475,"end":1042.715,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08036670833826065},{"word":"what's","start":1042.715,"end":1042.955,"confidence":0.9650879,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.035772256553173065},{"word":"happened","start":1042.955,"end":1043.455,"confidence":0.9980469,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.0014873072504997251},{"word":"is","start":1043.915,"end":1044.155,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.016878444701433182},{"word":"they've","start":1044.155,"end":1044.555,"confidence":0.9494629,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.007468804717063904},{"word":"kind","start":1044.555,"end":1044.875,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04633450508117676},{"word":"of","start":1044.875,"end":1045.035,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0014343410730361938},{"word":"grandfathered","start":1045.035,"end":1045.535,"confidence":0.97509766,"punctuated_word":"grandfathered","sentiment":"neutral","sentiment_score":0.04931258410215378},{"word":"your","start":1045.755,"end":1045.915,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07799801975488663},{"word":"policy","start":1045.915,"end":1046.415,"confidence":0.9980469,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.11831988394260406},{"word":"across","start":1046.475,"end":1046.975,"confidence":0.88549805,"punctuated_word":"across,","sentiment":"neutral","sentiment_score":0.044399671256542206},{"word":"and","start":1047.435,"end":1047.935,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04493038356304169},{"word":"it's","start":1048.81,"end":1049.05,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6338483095169067},{"word":"actually","start":1049.05,"end":1049.29,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5841964483261108},{"word":"really","start":1049.29,"end":1049.53,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6230226755142212},{"word":"good","start":1049.53,"end":1049.6901,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5328642725944519},{"word":"it's","start":1049.6901,"end":1049.85,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3942198157310486},{"word":"like","start":1049.85,"end":1050.01,"confidence":0.5917969,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.363994300365448},{"word":"$800","start":1050.01,"end":1050.73,"confidence":0.9906006,"punctuated_word":"$800","sentiment":"positive","sentiment_score":0.3990265130996704},{"word":"a","start":1050.73,"end":1050.89,"confidence":0.9863281,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34604597091674805},{"word":"year","start":1050.89,"end":1051.39,"confidence":0.9658203,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2781654894351959},{"word":"you've","start":1051.4501,"end":1051.6901,"confidence":0.9719238,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.17336222529411316},{"word":"got","start":1051.6901,"end":1051.93,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1959686279296875},{"word":"just","start":1051.93,"end":1052.25,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1937226951122284},{"word":"under","start":1052.25,"end":1052.49,"confidence":0.8461914,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.2625146210193634},{"word":"half","start":1052.49,"end":1052.73,"confidence":0.99121094,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.23521743714809415},{"word":"a","start":1052.73,"end":1052.81,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2146359235048294},{"word":"mil","start":1052.81,"end":1053.13,"confidence":0.37963867,"punctuated_word":"mil","sentiment":"neutral","sentiment_score":0.21000702679157257},{"word":"of","start":1053.13,"end":1053.2101,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21930424869060516},{"word":"life","start":1053.2101,"end":1053.4501,"confidence":0.89501953,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.24820838868618011},{"word":"and","start":1053.4501,"end":1053.61,"confidence":0.49414062,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22787028551101685},{"word":"cpd","start":1053.61,"end":1054.11,"confidence":0.5439453,"punctuated_word":"CPD","sentiment":"neutral","sentiment_score":0.21700754761695865},{"word":"insurance","start":1054.17,"end":1054.5701,"confidence":0.98291016,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.23126286268234253},{"word":"for","start":1054.5701,"end":1054.81,"confidence":0.80078125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1987389475107193},{"word":"disability","start":1054.81,"end":1055.31,"confidence":0.76049805,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":0.1550493836402893},{"word":"and","start":1055.85,"end":1056.17,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1075463593006134},{"word":"your","start":1056.17,"end":1056.41,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12148449569940568},{"word":"income","start":1056.41,"end":1056.89,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.13538995385169983},{"word":"protection","start":1056.89,"end":1057.39,"confidence":0.97143555,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.10822367668151855},{"word":"they've","start":1057.6901,"end":1057.93,"confidence":0.9995117,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.09961354732513428},{"word":"been","start":1057.93,"end":1058.17,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.11927089095115662},{"word":"slowly","start":1058.17,"end":1058.67,"confidence":0.99902344,"punctuated_word":"slowly","sentiment":"neutral","sentiment_score":0.11899938434362411},{"word":"increasing","start":1058.81,"end":1059.31,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.167191743850708},{"word":"it","start":1059.37,"end":1059.61,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17018258571624756},{"word":"with","start":1059.61,"end":1060.11,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14459282159805298},{"word":"inflation","start":1060.17,"end":1060.67,"confidence":0.99902344,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":0.12914371490478516},{"word":"to","start":1061.275,"end":1061.355,"confidence":0.9111328,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07427744567394257},{"word":"try","start":1061.355,"end":1061.515,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.04520665854215622},{"word":"and","start":1061.515,"end":1061.595,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06969635933637619},{"word":"keep","start":1061.595,"end":1061.835,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.08793822675943375},{"word":"up","start":1061.835,"end":1062.075,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06522458791732788},{"word":"with","start":1062.075,"end":1062.315,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07432792335748672},{"word":"that","start":1062.315,"end":1062.815,"confidence":0.98217773,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07527115941047668},{"word":"thirty","start":1063.835,"end":1064.155,"confidence":0.97802734,"punctuated_word":"Thirty","sentiment":"neutral","sentiment_score":-0.029627760872244835},{"word":"day","start":1064.155,"end":1064.395,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.007673099637031555},{"word":"waiting","start":1064.395,"end":1064.895,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.01126135140657425},{"word":"period","start":1065.4349,"end":1065.675,"confidence":0.9230957,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.00314224511384964},{"word":"three","start":1065.675,"end":1065.915,"confidence":0.42358398,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.007819890975952148},{"word":"year","start":1065.915,"end":1066.075,"confidence":0.9902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06050596386194229},{"word":"benefits","start":1066.075,"end":1066.5549,"confidence":0.7011719,"punctuated_word":"benefits.","sentiment":"neutral","sentiment_score":0.01380067691206932},{"word":"so","start":1066.5549,"end":1066.635,"confidence":0.9819336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01957855373620987},{"word":"if","start":1066.635,"end":1066.795,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09088318794965744},{"word":"you're","start":1066.795,"end":1066.955,"confidence":0.99365234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.10736644268035889},{"word":"out","start":1066.955,"end":1067.0349,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.16837814450263977},{"word":"of","start":1067.0349,"end":1067.115,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20878323912620544},{"word":"work","start":1067.115,"end":1067.355,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.23683997988700867},{"word":"for","start":1067.355,"end":1067.515,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1811601370573044},{"word":"a","start":1067.515,"end":1067.595,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1212874948978424},{"word":"month","start":1067.595,"end":1068.095,"confidence":0.91625977,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.0983755886554718},{"word":"kicks","start":1068.235,"end":1068.475,"confidence":0.91503906,"punctuated_word":"kicks","sentiment":"neutral","sentiment_score":-0.05395198613405228},{"word":"in","start":1068.475,"end":1068.635,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07268120348453522},{"word":"monthly","start":1068.635,"end":1069.115,"confidence":0.9970703,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.09686294198036194},{"word":"$8","start":1069.115,"end":1069.855,"confidence":0.9406738,"punctuated_word":"$8,","sentiment":"neutral","sentiment_score":-0.08939068019390106},{"word":"and","start":1070.235,"end":1070.475,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05376775190234184},{"word":"that'll","start":1070.475,"end":1070.795,"confidence":0.9187012,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.0915055125951767},{"word":"keep","start":1070.795,"end":1071.035,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.127082958817482},{"word":"going","start":1071.035,"end":1071.275,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.08661746233701706},{"word":"for","start":1071.275,"end":1071.515,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08467274904251099},{"word":"up","start":1071.515,"end":1071.675,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08612286299467087},{"word":"to","start":1071.675,"end":1071.835,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09300419688224792},{"word":"two","start":1071.835,"end":1071.995,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.08345141261816025},{"word":"years","start":1071.995,"end":1072.235,"confidence":0.9980469,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.08757437020540237},{"word":"if","start":1072.235,"end":1072.395,"confidence":0.6948242,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15579071640968323},{"word":"you're","start":1072.395,"end":1072.5549,"confidence":0.8613281,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1913490891456604},{"word":"sick","start":1072.5549,"end":1072.715,"confidence":0.9790039,"punctuated_word":"sick","sentiment":"neutral","sentiment_score":-0.29181286692619324},{"word":"or","start":1072.715,"end":1072.795,"confidence":0.5566406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.3160882592201233},{"word":"injured","start":1072.795,"end":1073.195,"confidence":0.9941406,"punctuated_word":"injured","sentiment":"neutral","sentiment_score":-0.24366459250450137},{"word":"for","start":1073.195,"end":1073.355,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19699135422706604},{"word":"that","start":1073.355,"end":1073.595,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12263575196266174},{"word":"long","start":1073.595,"end":1073.755,"confidence":0.5,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.1966182291507721},{"word":"per","start":1073.995,"end":1074.235,"confidence":0.9526367,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.19143785536289215},{"word":"injury","start":1074.235,"end":1074.735,"confidence":0.87646484,"punctuated_word":"injury.","sentiment":"neutral","sentiment_score":-0.15471500158309937},{"word":"now","start":1076.1599,"end":1076.32,"confidence":0.77490234,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.00954953208565712},{"word":"basically","start":1076.32,"end":1076.72,"confidence":0.99609375,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.0009448546916246414},{"word":"what","start":1076.72,"end":1076.88,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0010640397667884829},{"word":"i'm","start":1076.88,"end":1077.0399,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0010935328900814056},{"word":"saying","start":1077.0399,"end":1077.2799,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.014728274196386336},{"word":"is","start":1077.2799,"end":1077.52,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004323471337556839},{"word":"that","start":1077.52,"end":1077.9199,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006271384656429291},{"word":"for","start":1077.9199,"end":1078.1599,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02310323715209961},{"word":"that","start":1078.1599,"end":1078.3999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006229661405086517},{"word":"price","start":1078.3999,"end":1078.72,"confidence":1.0,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.001090154051780701},{"word":"for","start":1078.72,"end":1078.96,"confidence":0.53515625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.024876076728105545},{"word":"those","start":1078.96,"end":1079.2,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.052001044154167175},{"word":"three","start":1079.2,"end":1079.6,"confidence":0.9970703,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.008954755961894989},{"word":"policies","start":1079.6,"end":1080.1,"confidence":0.94384766,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.012715131044387816},{"word":"of","start":1080.32,"end":1080.3999,"confidence":0.72314453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012229062616825104},{"word":"cover","start":1080.3999,"end":1080.8999,"confidence":0.96533203,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.0031963959336280823},{"word":"that's","start":1081.44,"end":1081.94,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0009572034468874336},{"word":"top","start":1082.3999,"end":1082.64,"confidence":0.87158203,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.007762745022773743},{"word":"2%","start":1082.64,"end":1083.38,"confidence":0.9995117,"punctuated_word":"2%","sentiment":"neutral","sentiment_score":0.03942329436540603},{"word":"in","start":1083.44,"end":1083.6799,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011861152946949003},{"word":"the","start":1083.6799,"end":1083.84,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022941067814826965},{"word":"insurance","start":1083.84,"end":1084.34,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.026313118636608124},{"word":"space","start":1084.3999,"end":1084.64,"confidence":0.9716797,"punctuated_word":"space","sentiment":"neutral","sentiment_score":-0.01937954872846603},{"word":"at","start":1084.64,"end":1084.7999,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.013974077999591827},{"word":"the","start":1084.7999,"end":1084.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010145433247089386},{"word":"moment","start":1084.88,"end":1085.38,"confidence":0.9797363,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.02310114353895187},{"word":"so","start":1087.855,"end":1088.095,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3685060739517212},{"word":"i","start":1088.095,"end":1088.495,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5032060146331787},{"word":"definitely","start":1088.495,"end":1088.975,"confidence":0.9199219,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.622600793838501},{"word":"wanna","start":1088.975,"end":1089.215,"confidence":0.7714844,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5366238355636597},{"word":"keep","start":1089.215,"end":1089.455,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.575849175453186},{"word":"that","start":1089.455,"end":1089.695,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5718927979469299},{"word":"going","start":1089.695,"end":1090.015,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.5598717331886292},{"word":"as","start":1090.015,"end":1090.1749,"confidence":0.99121094,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.622799813747406},{"word":"long","start":1090.1749,"end":1090.335,"confidence":0.99902344,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.5119318962097168},{"word":"as","start":1090.335,"end":1090.495,"confidence":0.99609375,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4283122420310974},{"word":"it's","start":1090.495,"end":1090.655,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4256958961486816},{"word":"an","start":1090.655,"end":1090.895,"confidence":0.9506836,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.35618916153907776},{"word":"appropriate","start":1090.895,"end":1091.395,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.3090122938156128},{"word":"level","start":1091.455,"end":1091.775,"confidence":0.9716797,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.3935873508453369},{"word":"of","start":1091.775,"end":1091.9349,"confidence":0.9951172,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.43743541836738586},{"word":"cover","start":1091.9349,"end":1092.4349,"confidence":0.9995117,"punctuated_word":"cover.","sentiment":"positive","sentiment_score":0.3365345299243927},{"word":"let","start":1094.575,"end":1094.735,"confidence":0.96435547,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.16164883971214294},{"word":"me","start":1094.735,"end":1094.975,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13771548867225647},{"word":"just","start":1094.975,"end":1095.215,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1371416449546814},{"word":"quickly","start":1095.215,"end":1095.715,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.1057792231440544},{"word":"check","start":1096.015,"end":1096.255,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.14117002487182617},{"word":"this","start":1096.255,"end":1096.4149,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07309899479150772},{"word":"because","start":1096.4149,"end":1096.655,"confidence":0.7788086,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03473960608243942},{"word":"like","start":1096.655,"end":1096.775,"confidence":0.53466797,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0526728630065918},{"word":"i","start":1096.775,"end":1096.895,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0443352535367012},{"word":"said","start":1096.895,"end":1097.135,"confidence":0.9838867,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.05835495516657829},{"word":"it","start":1097.135,"end":1097.2949,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01425858587026596},{"word":"has","start":1097.2949,"end":1097.615,"confidence":0.8378906,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.024558842182159424},{"word":"increased","start":1097.615,"end":1098.115,"confidence":0.8239746,"punctuated_word":"increased.","sentiment":"neutral","sentiment_score":0.049547407776117325},{"word":"$8,000","start":1101.07,"end":1102.03,"confidence":0.9970703,"punctuated_word":"$8,000","sentiment":"neutral","sentiment_score":0.03666659817099571},{"word":"a","start":1102.03,"end":1102.19,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05896303802728653},{"word":"month","start":1102.19,"end":1102.69,"confidence":0.8935547,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.0627531111240387},{"word":"and","start":1103.07,"end":1103.39,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14633294939994812},{"word":"they","start":1103.39,"end":1103.55,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.17399027943611145},{"word":"usually","start":1103.55,"end":1103.95,"confidence":0.99902344,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.2342255562543869},{"word":"cover","start":1103.95,"end":1104.35,"confidence":0.9951172,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.19188588857650757},{"word":"you","start":1104.35,"end":1104.67,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.283395379781723},{"word":"for","start":1104.67,"end":1105.17,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2356964349746704},{"word":"75%","start":1105.95,"end":1107.07,"confidence":0.9983724,"punctuated_word":"75%","sentiment":"neutral","sentiment_score":0.24597203731536865},{"word":"for","start":1107.07,"end":1107.3099,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2094915211200714},{"word":"an","start":1107.3099,"end":1107.39,"confidence":0.9394531,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.18325486779212952},{"word":"old","start":1107.39,"end":1107.63,"confidence":0.99316406,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.08853192627429962},{"word":"policy","start":1107.63,"end":1108.13,"confidence":0.9980469,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.1205829381942749},{"word":"before","start":1108.35,"end":1108.75,"confidence":0.9980469,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.09380531311035156},{"word":"2021","start":1108.75,"end":1109.89,"confidence":0.98185223,"punctuated_word":"2021.","sentiment":"neutral","sentiment_score":0.16642703115940094},{"word":"so","start":1110.03,"end":1110.19,"confidence":0.9770508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2507568895816803},{"word":"it's","start":1110.19,"end":1110.51,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.29930949211120605},{"word":"protecting","start":1110.51,"end":1110.99,"confidence":0.9980469,"punctuated_word":"protecting","sentiment":"neutral","sentiment_score":0.22616341710090637},{"word":"you","start":1110.99,"end":1111.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31753864884376526},{"word":"for","start":1111.23,"end":1111.39,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3170103132724762},{"word":"an","start":1111.39,"end":1111.55,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.3162057399749756},{"word":"income","start":1111.55,"end":1112.05,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3353835344314575},{"word":"of","start":1112.11,"end":1112.4299,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21879291534423828},{"word":"a","start":1112.4299,"end":1112.67,"confidence":0.94921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2550194263458252},{"word":"133,000","start":1112.67,"end":1114.45,"confidence":0.99677736,"punctuated_word":"133,000.","sentiment":"neutral","sentiment_score":0.19209973514080048},{"word":"now","start":1117.865,"end":1118.3451,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14418084919452667},{"word":"that","start":1118.3451,"end":1118.505,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2001650035381317},{"word":"gives","start":1118.505,"end":1118.745,"confidence":1.0,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.19971507787704468},{"word":"you","start":1118.745,"end":1118.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20566099882125857},{"word":"a","start":1118.825,"end":1118.905,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22178107500076297},{"word":"bit","start":1118.905,"end":1119.145,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18245965242385864},{"word":"of","start":1119.145,"end":1119.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20936879515647888},{"word":"a","start":1119.305,"end":1119.4651,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21575096249580383},{"word":"buffer","start":1119.4651,"end":1119.9651,"confidence":0.8676758,"punctuated_word":"buffer,","sentiment":"neutral","sentiment_score":0.13851366937160492},{"word":"but","start":1120.265,"end":1120.505,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1012651026248932},{"word":"let's","start":1120.505,"end":1120.745,"confidence":0.99194336,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.08361516892910004},{"word":"say","start":1120.745,"end":1120.985,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.10751315206289291},{"word":"you","start":1120.985,"end":1121.145,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10976935923099518},{"word":"give","start":1121.145,"end":1121.385,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.10364219546318054},{"word":"them","start":1121.385,"end":1121.7051,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.05289363861083984},{"word":"twelve","start":1121.7051,"end":1122.025,"confidence":0.9980469,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.09735295176506042},{"word":"months","start":1122.025,"end":1122.425,"confidence":0.99609375,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.09688538312911989},{"word":"of","start":1122.425,"end":1122.8251,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12401263415813446},{"word":"financials","start":1122.8251,"end":1123.3251,"confidence":0.7110596,"punctuated_word":"financials","sentiment":"neutral","sentiment_score":0.090473473072052},{"word":"when","start":1123.545,"end":1123.865,"confidence":0.92333984,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09555355459451675},{"word":"you","start":1123.865,"end":1123.9451,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07960048317909241},{"word":"claim","start":1123.9451,"end":1124.4451,"confidence":0.73950195,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":0.08707751333713531},{"word":"and","start":1124.505,"end":1124.745,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0841418206691742},{"word":"they","start":1124.745,"end":1124.905,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06103881075978279},{"word":"go","start":1124.905,"end":1125.0651,"confidence":0.9707031,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.08754041790962219},{"word":"oh","start":1125.0651,"end":1125.145,"confidence":0.99121094,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.09799501299858092},{"word":"you've","start":1125.145,"end":1125.385,"confidence":0.99609375,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08727435767650604},{"word":"only","start":1125.385,"end":1125.625,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.013245001435279846},{"word":"earned","start":1125.625,"end":1125.865,"confidence":0.9580078,"punctuated_word":"earned","sentiment":"neutral","sentiment_score":0.07682032883167267},{"word":"a","start":1125.865,"end":1125.9451,"confidence":0.78466797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12607136368751526},{"word":"118","start":1125.9451,"end":1126.8451,"confidence":0.9234212,"punctuated_word":"118.","sentiment":"neutral","sentiment_score":0.11349561810493468},{"word":"they'll","start":1126.905,"end":1127.2251,"confidence":0.9975586,"punctuated_word":"They'll","sentiment":"neutral","sentiment_score":0.08588310331106186},{"word":"pay","start":1127.2251,"end":1127.385,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06728530675172806},{"word":"you","start":1127.385,"end":1127.625,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09035970270633698},{"word":"75%","start":1127.625,"end":1128.8251,"confidence":0.9996745,"punctuated_word":"75%","sentiment":"neutral","sentiment_score":0.16469675302505493},{"word":"on","start":1128.8251,"end":1129.0651,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15070687234401703},{"word":"that","start":1129.0651,"end":1129.305,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08409087359905243},{"word":"amount","start":1129.305,"end":1129.805,"confidence":0.92407227,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.03362542390823364},{"word":"and","start":1129.97,"end":1130.13,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02177218347787857},{"word":"you","start":1130.13,"end":1130.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022159308195114136},{"word":"would","start":1130.29,"end":1130.37,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06317544728517532},{"word":"have","start":1130.37,"end":1130.61,"confidence":0.8588867,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.010461397469043732},{"word":"paid","start":1130.61,"end":1130.85,"confidence":0.9980469,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.0634879618883133},{"word":"a","start":1130.85,"end":1131.01,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009324908256530762},{"word":"tiny","start":1131.01,"end":1131.33,"confidence":0.97265625,"punctuated_word":"tiny","sentiment":"neutral","sentiment_score":-0.04938596487045288},{"word":"bit","start":1131.33,"end":1131.5701,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06226634979248047},{"word":"extra","start":1131.5701,"end":1132.0701,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.09492343664169312},{"word":"for","start":1132.21,"end":1132.37,"confidence":0.9667969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05445903539657593},{"word":"something","start":1132.37,"end":1132.6901,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.007961109280586243},{"word":"that","start":1132.6901,"end":1132.93,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07471784204244614},{"word":"you","start":1132.93,"end":1133.17,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02230659127235413},{"word":"couldn't","start":1133.17,"end":1133.49,"confidence":0.99658203,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.017201997339725494},{"word":"have","start":1133.49,"end":1133.65,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01900336891412735},{"word":"claimed","start":1133.65,"end":1133.97,"confidence":0.9819336,"punctuated_word":"claimed","sentiment":"neutral","sentiment_score":-0.03581339865922928},{"word":"on","start":1133.97,"end":1134.13,"confidence":0.81762695,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.02727670595049858},{"word":"if","start":1134.13,"end":1134.29,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1282920241355896},{"word":"that","start":1134.29,"end":1134.4501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05508287996053696},{"word":"makes","start":1134.4501,"end":1134.77,"confidence":0.97509766,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.02726536989212036},{"word":"sense","start":1134.77,"end":1135.27,"confidence":0.99365234,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.038467589765787125},{"word":"so","start":1137.65,"end":1137.97,"confidence":0.97265625,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.34632816910743713},{"word":"it's","start":1137.97,"end":1138.21,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.393321692943573},{"word":"a","start":1138.21,"end":1138.37,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4918612241744995},{"word":"very","start":1138.37,"end":1138.87,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5730846524238586},{"word":"affordable","start":1139.33,"end":1139.83,"confidence":0.93408203,"punctuated_word":"affordable","sentiment":"positive","sentiment_score":0.44570353627204895},{"word":"way","start":1139.97,"end":1140.21,"confidence":0.99902344,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4934929311275482},{"word":"to","start":1140.21,"end":1140.4501,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5048511028289795},{"word":"have","start":1140.4501,"end":1140.61,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5041906833648682},{"word":"a","start":1140.61,"end":1140.77,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4358806312084198},{"word":"buffer","start":1140.77,"end":1141.09,"confidence":0.7207031,"punctuated_word":"buffer.","sentiment":"positive","sentiment_score":0.3647105097770691},{"word":"so","start":1141.09,"end":1141.25,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2489052563905716},{"word":"when","start":1141.25,"end":1141.49,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.19356563687324524},{"word":"your","start":1141.49,"end":1141.73,"confidence":0.91845703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2188139259815216},{"word":"income","start":1141.73,"end":1142.05,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1602100133895874},{"word":"increases","start":1142.05,"end":1142.55,"confidence":0.99560547,"punctuated_word":"increases,","sentiment":"neutral","sentiment_score":0.16019167006015778},{"word":"your","start":1142.77,"end":1143.01,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20754647254943848},{"word":"insurance","start":1143.01,"end":1143.41,"confidence":0.9951172,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.15614047646522522},{"word":"has","start":1143.41,"end":1143.5701,"confidence":0.9243164,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1253167688846588},{"word":"already","start":1143.5701,"end":1143.89,"confidence":0.9980469,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.28283199667930603},{"word":"kept","start":1143.89,"end":1144.13,"confidence":1.0,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":0.23129794001579285},{"word":"up","start":1144.13,"end":1144.21,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.21027185022830963},{"word":"with","start":1144.21,"end":1144.4501,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.259815514087677},{"word":"it","start":1144.4501,"end":1144.785,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2530999481678009},{"word":"without","start":1144.9451,"end":1145.265,"confidence":0.9941406,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.1723404824733734},{"word":"the","start":1145.265,"end":1145.425,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1835871934890747},{"word":"premium","start":1145.425,"end":1145.925,"confidence":0.88720703,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.07654663920402527},{"word":"skyrocketing","start":1145.985,"end":1146.485,"confidence":0.95410156,"punctuated_word":"skyrocketing.","sentiment":"neutral","sentiment_score":0.18977747857570648},{"word":"but","start":1146.865,"end":1147.025,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03179430961608887},{"word":"i","start":1147.025,"end":1147.185,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011077582836151125},{"word":"just","start":1147.185,"end":1147.3451,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.034959934651851654},{"word":"wanna","start":1147.3451,"end":1147.5851,"confidence":0.70214844,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.002349637448787689},{"word":"make","start":1147.5851,"end":1147.745,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.04841560870409012},{"word":"you","start":1147.745,"end":1147.8251,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04843902587890625},{"word":"aware","start":1147.8251,"end":1148.145,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":-0.059036001563072205},{"word":"that","start":1148.145,"end":1148.305,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07182666659355164},{"word":"if","start":1148.305,"end":1148.545,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11900902539491652},{"word":"you","start":1148.545,"end":1149.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13207916915416718},{"word":"go","start":1149.025,"end":1149.265,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1435495764017105},{"word":"through","start":1149.265,"end":1149.505,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.148003950715065},{"word":"a","start":1149.505,"end":1149.5851,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1323961466550827},{"word":"claim","start":1149.5851,"end":1150.0851,"confidence":0.99658203,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":-0.15759947896003723},{"word":"the","start":1150.385,"end":1150.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2051957994699478},{"word":"payment","start":1150.625,"end":1151.025,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.19941987097263336},{"word":"might","start":1151.025,"end":1151.185,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1813894510269165},{"word":"not","start":1151.185,"end":1151.3451,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1751273274421692},{"word":"be","start":1151.3451,"end":1151.5851,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20548813045024872},{"word":"exactly","start":1151.5851,"end":1152.0651,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.21596266329288483},{"word":"the","start":1152.0651,"end":1152.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1906830370426178},{"word":"same","start":1152.225,"end":1152.725,"confidence":0.99121094,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.16973255574703217},{"word":"yeah","start":1157.68,"end":1157.92,"confidence":0.8796387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.007818607613444328},{"word":"up","start":1157.92,"end":1158.16,"confidence":0.9838867,"punctuated_word":"Up","sentiment":"neutral","sentiment_score":-0.021344752982258797},{"word":"into","start":1158.16,"end":1158.4,"confidence":0.6665039,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.015031689777970314},{"word":"the","start":1158.4,"end":1158.56,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015657808631658554},{"word":"maximum","start":1158.56,"end":1159.06,"confidence":1.0,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.000866372138261795},{"word":"of","start":1159.12,"end":1159.52,"confidence":0.9238281,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.011485968716442583},{"word":"again","start":1159.52,"end":1160.0,"confidence":0.99902344,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.0038912640884518623},{"word":"130","start":1160.0,"end":1160.8,"confidence":0.98254395,"punctuated_word":"130","sentiment":"neutral","sentiment_score":-0.005624677985906601},{"word":"3,000","start":1160.8,"end":1161.54,"confidence":0.99853516,"punctuated_word":"3,000.","sentiment":"neutral","sentiment_score":0.004594871774315834},{"word":"yep","start":1161.92,"end":1162.42,"confidence":0.7919922,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02589832805097103},{"word":"what","start":1166.24,"end":1166.4,"confidence":0.9243164,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.012537561357021332},{"word":"about","start":1166.4,"end":1166.7201,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01790511980652809},{"word":"the","start":1166.7201,"end":1166.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03579610586166382},{"word":"life","start":1166.8,"end":1167.04,"confidence":0.96435547,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.05037978291511536},{"word":"in","start":1167.04,"end":1167.2001,"confidence":0.59716797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04409933090209961},{"word":"cpd","start":1167.2001,"end":1167.68,"confidence":0.8613281,"punctuated_word":"CPD?","sentiment":"neutral","sentiment_score":0.03316489979624748},{"word":"so","start":1167.68,"end":1167.8401,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0340103805065155},{"word":"that","start":1167.8401,"end":1168.16,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.042663175612688065},{"word":"400,000","start":1168.16,"end":1169.2201,"confidence":0.99869794,"punctuated_word":"400,000","sentiment":"neutral","sentiment_score":0.054075196385383606},{"word":"plus","start":1169.635,"end":1169.875,"confidence":0.9980469,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.05587885528802872},{"word":"your","start":1169.875,"end":1170.035,"confidence":0.84765625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0615999773144722},{"word":"super","start":1170.035,"end":1170.535,"confidence":0.80029297,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.06707064807415009},{"word":"the","start":1171.475,"end":1171.715,"confidence":0.89453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058883186429739},{"word":"last","start":1171.715,"end":1171.955,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.021172955632209774},{"word":"time","start":1171.955,"end":1172.115,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.056999459862709045},{"word":"we","start":1172.115,"end":1172.275,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.047831956297159195},{"word":"checked","start":1172.275,"end":1172.595,"confidence":0.9902344,"punctuated_word":"checked","sentiment":"neutral","sentiment_score":0.03557009622454643},{"word":"your","start":1172.595,"end":1172.755,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04661944881081581},{"word":"liability","start":1172.755,"end":1173.255,"confidence":0.8312988,"punctuated_word":"liability,","sentiment":"neutral","sentiment_score":0.02156934142112732},{"word":"your","start":1173.395,"end":1173.635,"confidence":0.9482422,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.012770771980285645},{"word":"mortgage","start":1173.635,"end":1174.035,"confidence":0.9941406,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.01057884842157364},{"word":"was","start":1174.035,"end":1174.195,"confidence":0.80126953,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.030235428363084793},{"word":"about","start":1174.195,"end":1174.515,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02669617533683777},{"word":"$6.90","start":1174.515,"end":1175.335,"confidence":0.9827881,"punctuated_word":"$6.90.","sentiment":"neutral","sentiment_score":0.04420826584100723},{"word":"so","start":1177.395,"end":1177.635,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15309938788414},{"word":"that's","start":1177.635,"end":1177.875,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.19137409329414368},{"word":"pretty","start":1177.875,"end":1178.115,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2640519142150879},{"word":"much","start":1178.115,"end":1178.355,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2208748161792755},{"word":"cleared","start":1178.355,"end":1178.755,"confidence":0.9716797,"punctuated_word":"cleared","sentiment":"neutral","sentiment_score":0.23014353215694427},{"word":"by","start":1178.755,"end":1178.835,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2358350455760956},{"word":"the","start":1178.835,"end":1179.075,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19358062744140625},{"word":"insurance","start":1179.075,"end":1179.5549,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.1189996376633644},{"word":"combined","start":1179.5549,"end":1179.955,"confidence":0.72509766,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.18671593070030212},{"word":"with","start":1179.955,"end":1180.115,"confidence":0.9863281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1814551204442978},{"word":"the","start":1180.115,"end":1180.195,"confidence":0.91845703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23209181427955627},{"word":"super","start":1180.195,"end":1180.4349,"confidence":0.9741211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20974823832511905},{"word":"at","start":1180.4349,"end":1180.6749,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22442591190338135},{"word":"the","start":1180.6749,"end":1180.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20880165696144104},{"word":"moment","start":1180.755,"end":1181.235,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.22310571372509003},{"word":"to","start":1181.235,"end":1181.49,"confidence":0.56396484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24435065686702728},{"word":"leave","start":1181.57,"end":1181.73,"confidence":0.99609375,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.2677733600139618},{"word":"the","start":1181.73,"end":1181.89,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.33024054765701294},{"word":"family","start":1181.89,"end":1182.37,"confidence":0.99902344,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.3119894564151764},{"word":"essentially","start":1182.37,"end":1182.85,"confidence":0.93115234,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.31004682183265686},{"word":"debt","start":1182.85,"end":1183.17,"confidence":0.88183594,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.09048059582710266},{"word":"free","start":1183.17,"end":1183.41,"confidence":0.98706055,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.1900314688682556},{"word":"is","start":1183.41,"end":1183.57,"confidence":0.9951172,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1425219029188156},{"word":"that","start":1183.57,"end":1183.8099,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.143072247505188},{"word":"kind","start":1183.8099,"end":1184.05,"confidence":0.98095703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12549766898155212},{"word":"of","start":1184.05,"end":1184.13,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14363685250282288},{"word":"your","start":1184.13,"end":1184.29,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14158453047275543},{"word":"aim","start":1184.29,"end":1184.53,"confidence":0.9760742,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":0.14527402818202972},{"word":"for","start":1184.53,"end":1184.69,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13367293775081637},{"word":"that","start":1184.69,"end":1184.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13926595449447632},{"word":"type","start":1184.85,"end":1185.09,"confidence":0.94189453,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.11834485828876495},{"word":"of","start":1185.09,"end":1185.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.017161298543214798},{"word":"cover","start":1185.25,"end":1185.75,"confidence":0.9995117,"punctuated_word":"cover?","sentiment":"neutral","sentiment_score":0.04359607398509979},{"word":"perfect","start":1188.69,"end":1189.19,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5077507495880127},{"word":"and","start":1189.25,"end":1189.57,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24906370043754575},{"word":"i'm","start":1189.57,"end":1189.8099,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.18932437896728516},{"word":"assuming","start":1189.8099,"end":1190.21,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.20623445510864255},{"word":"you","start":1190.21,"end":1190.37,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1197223663330078},{"word":"still","start":1190.37,"end":1190.69,"confidence":0.99121094,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12152271717786788},{"word":"wanna","start":1190.69,"end":1190.9299,"confidence":0.77978516,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15263038873672485},{"word":"make","start":1190.9299,"end":1191.17,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10544423758983612},{"word":"sure","start":1191.17,"end":1191.41,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.12243075668811798},{"word":"that","start":1191.41,"end":1191.65,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13419725000858307},{"word":"your","start":1191.65,"end":1192.05,"confidence":0.8442383,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10076289623975754},{"word":"partner's","start":1192.05,"end":1192.53,"confidence":0.60668945,"punctuated_word":"partner's","sentiment":"neutral","sentiment_score":0.11941194534301758},{"word":"listed","start":1192.53,"end":1192.9299,"confidence":0.94921875,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.1656021624803543},{"word":"as","start":1192.9299,"end":1193.09,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14584435522556305},{"word":"beneficiary","start":1193.09,"end":1193.59,"confidence":0.97265625,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.18719550967216492},{"word":"for","start":1193.73,"end":1193.8099,"confidence":0.9819336,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15060406923294067},{"word":"the","start":1193.8099,"end":1193.97,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14882317185401917},{"word":"life","start":1193.97,"end":1194.21,"confidence":0.98828125,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.185525506734848},{"word":"insurance","start":1194.21,"end":1194.71,"confidence":0.95947266,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.17123550176620483},{"word":"and","start":1194.77,"end":1194.9299,"confidence":0.46557617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1354672610759735},{"word":"the","start":1194.9299,"end":1195.09,"confidence":0.7524414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14683175086975098},{"word":"both","start":1195.09,"end":1195.33,"confidence":0.63427734,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1386180967092514},{"word":"super","start":1195.33,"end":1195.65,"confidence":0.9716797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18378502130508423},{"word":"accounts","start":1195.65,"end":1196.15,"confidence":0.88916016,"punctuated_word":"accounts?","sentiment":"neutral","sentiment_score":0.11820335686206818},{"word":"so","start":1198.305,"end":1198.545,"confidence":0.96435547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05583108589053154},{"word":"i'll","start":1198.545,"end":1198.785,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.054838042706251144},{"word":"double","start":1198.785,"end":1199.105,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.05027884989976883},{"word":"check","start":1199.105,"end":1199.345,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.03279948979616165},{"word":"those","start":1199.345,"end":1199.585,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.06798560172319412},{"word":"just","start":1199.585,"end":1199.745,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06450031697750092},{"word":"to","start":1199.745,"end":1199.905,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016324102878570557},{"word":"make","start":1199.905,"end":1200.0651,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.012927986681461334},{"word":"sure","start":1200.0651,"end":1200.5651,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0375758484005928},{"word":"nothing's","start":1200.625,"end":1201.105,"confidence":0.98339844,"punctuated_word":"nothing's","sentiment":"neutral","sentiment_score":0.00039737176848575473},{"word":"clicked","start":1201.105,"end":1201.425,"confidence":0.99609375,"punctuated_word":"clicked","sentiment":"neutral","sentiment_score":0.002231903374195099},{"word":"off","start":1201.425,"end":1201.665,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.07272770255804062},{"word":"like","start":1201.665,"end":1201.825,"confidence":0.8178711,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10916431993246078},{"word":"a","start":1201.825,"end":1201.985,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06350600719451904},{"word":"latching","start":1201.985,"end":1202.305,"confidence":0.42980957,"punctuated_word":"latching","sentiment":"neutral","sentiment_score":-0.04091945290565491},{"word":"nomination","start":1202.305,"end":1202.805,"confidence":0.99902344,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":-0.02383340895175934},{"word":"or","start":1202.9451,"end":1203.105,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.016942329704761505},{"word":"anything","start":1203.105,"end":1203.605,"confidence":0.97265625,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.0064435419626533985},{"word":"and","start":1203.905,"end":1204.405,"confidence":0.7993164,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.07479704171419144},{"word":"basically","start":1204.705,"end":1205.105,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.08480606228113174},{"word":"what","start":1205.105,"end":1205.265,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09744500368833542},{"word":"i","start":1205.265,"end":1205.345,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09379959851503372},{"word":"wanna","start":1205.345,"end":1205.665,"confidence":0.6582031,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11153130978345872},{"word":"do","start":1205.665,"end":1205.905,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07793637365102768},{"word":"is","start":1205.905,"end":1206.405,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07665984332561493},{"word":"i'll","start":1207.105,"end":1207.265,"confidence":0.9526367,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0992402881383896},{"word":"do","start":1207.265,"end":1207.425,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11886589229106904},{"word":"that","start":1207.425,"end":1207.665,"confidence":0.72265625,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11295723170042038},{"word":"update","start":1207.665,"end":1208.0651,"confidence":0.9760742,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1044231653213501},{"word":"a","start":1208.0651,"end":1208.225,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1307736039161682},{"word":"comparison","start":1208.225,"end":1208.725,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.1570868045091629},{"word":"for","start":1208.865,"end":1209.025,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12324848771095276},{"word":"you","start":1209.025,"end":1209.525,"confidence":0.9604492,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15061742067337036},{"word":"we'll","start":1209.73,"end":1209.97,"confidence":0.9995117,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1788465827703476},{"word":"compare","start":1209.97,"end":1210.37,"confidence":1.0,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":0.18452157080173492},{"word":"the","start":1210.37,"end":1210.5299,"confidence":0.9316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2446301281452179},{"word":"netwealth","start":1210.5299,"end":1210.9299,"confidence":0.81225586,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.16512073576450348},{"word":"and","start":1210.9299,"end":1211.09,"confidence":0.76123047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21362259984016416},{"word":"the","start":1211.09,"end":1211.25,"confidence":0.88964844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23251894116401672},{"word":"colonial","start":1211.25,"end":1211.73,"confidence":0.6220703,"punctuated_word":"Colonial,","sentiment":"neutral","sentiment_score":0.17568132281303406},{"word":"see","start":1211.73,"end":1211.8899,"confidence":0.9770508,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22195282578468323},{"word":"if","start":1211.8899,"end":1212.0499,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19044482707977295},{"word":"we","start":1212.0499,"end":1212.21,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17699889838695526},{"word":"need","start":1212.21,"end":1212.37,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.15246929228305817},{"word":"to","start":1212.37,"end":1212.45,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16137346625328064},{"word":"change","start":1212.45,"end":1212.7699,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.15843692421913147},{"word":"anything","start":1212.7699,"end":1213.2699,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1625327318906784},{"word":"and","start":1213.6499,"end":1213.8099,"confidence":0.6855469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.200326070189476},{"word":"the","start":1213.8099,"end":1214.0499,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22832003235816956},{"word":"recommendations","start":1214.0499,"end":1214.5499,"confidence":0.8676758,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.19562622904777527},{"word":"i'll","start":1214.9299,"end":1215.1699,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17806917428970337},{"word":"include","start":1215.1699,"end":1215.57,"confidence":1.0,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.21628399193286896},{"word":"any","start":1215.57,"end":1215.8899,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.18507641553878784},{"word":"info","start":1215.8899,"end":1216.21,"confidence":0.9970703,"punctuated_word":"info","sentiment":"neutral","sentiment_score":0.1867954134941101},{"word":"about","start":1216.21,"end":1216.5299,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15918098390102386},{"word":"the","start":1216.5299,"end":1217.0299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19627991318702695},{"word":"estate","start":1217.25,"end":1217.6499,"confidence":0.4921875,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.1939011812210083},{"word":"planning","start":1217.6499,"end":1218.0499,"confidence":0.99902344,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.20378243923187256},{"word":"if","start":1218.0499,"end":1218.21,"confidence":0.96875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21302606165409088},{"word":"i","start":1218.21,"end":1218.2899,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1809877008199692},{"word":"need","start":1218.2899,"end":1218.5299,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.17448535561561584},{"word":"to","start":1218.5299,"end":1219.0299,"confidence":0.9172363,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.19132256507873535},{"word":"and","start":1219.1699,"end":1219.6699,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20823992788791656},{"word":"i'll","start":1219.73,"end":1219.97,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19709184765815735},{"word":"factor","start":1219.97,"end":1220.2899,"confidence":0.9970703,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.18986521661281583},{"word":"in","start":1220.2899,"end":1220.45,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19249343872070312},{"word":"the","start":1220.45,"end":1220.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.196554034948349},{"word":"premiums","start":1220.61,"end":1221.0099,"confidence":0.9970703,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.16371235251426697},{"word":"for","start":1221.0099,"end":1221.1699,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16449670493602753},{"word":"the","start":1221.1699,"end":1221.4099,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14423370361328125},{"word":"insurances","start":1221.4099,"end":1221.9099,"confidence":0.97631836,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.1291678249835968},{"word":"and","start":1221.97,"end":1222.13,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11273717135190964},{"word":"so","start":1222.13,"end":1222.37,"confidence":0.9838867,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10073889791965485},{"word":"on","start":1222.37,"end":1222.785,"confidence":0.9975586,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.10441552102565764},{"word":"alrighty","start":1225.3451,"end":1225.8451,"confidence":0.9820964,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.18082934617996216},{"word":"mate","start":1225.985,"end":1226.305,"confidence":0.9206543,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.1521919220685959},{"word":"two","start":1226.305,"end":1226.545,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1669692099094391},{"word":"more","start":1226.545,"end":1226.7051,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12396806478500366},{"word":"questions","start":1226.7051,"end":1227.105,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1345377117395401},{"word":"for","start":1227.105,"end":1227.265,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1526579111814499},{"word":"you","start":1227.265,"end":1227.425,"confidence":0.78515625,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1347878724336624},{"word":"but","start":1227.425,"end":1227.5851,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11197952181100844},{"word":"do","start":1227.5851,"end":1227.745,"confidence":0.9790039,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08286783844232559},{"word":"you","start":1227.745,"end":1227.8251,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1072116270661354},{"word":"have","start":1227.8251,"end":1227.905,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10723675042390823},{"word":"any","start":1227.905,"end":1228.0651,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08940581232309341},{"word":"questions","start":1228.0651,"end":1228.4651,"confidence":0.9921875,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05959653854370117},{"word":"so","start":1228.4651,"end":1228.625,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07345710694789886},{"word":"far","start":1228.625,"end":1229.125,"confidence":0.99902344,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.05014442652463913},{"word":"k","start":1232.545,"end":1233.045,"confidence":0.65319824,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.044542133808135986},{"word":"just","start":1233.265,"end":1233.505,"confidence":0.7167969,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.0453193262219429},{"word":"in","start":1233.505,"end":1233.5851,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03995544463396072},{"word":"terms","start":1233.5851,"end":1233.905,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04045621678233147},{"word":"of","start":1233.905,"end":1234.0651,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04533011466264725},{"word":"estate","start":1234.0651,"end":1234.4651,"confidence":0.81347656,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.04241578280925751},{"word":"planning","start":1234.4651,"end":1234.9451,"confidence":0.99560547,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.03932414948940277},{"word":"did","start":1234.9451,"end":1235.105,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.016567641869187355},{"word":"you","start":1235.105,"end":1235.265,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0347808413207531},{"word":"end","start":1235.265,"end":1235.425,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.03448866680264473},{"word":"up","start":1235.425,"end":1235.505,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.019233928993344307},{"word":"putting","start":1235.505,"end":1235.8251,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.02059033140540123},{"word":"in","start":1235.8251,"end":1235.985,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.014952296391129494},{"word":"place","start":1235.985,"end":1236.385,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.02066981792449951},{"word":"a","start":1236.385,"end":1236.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014017267152667046},{"word":"will","start":1236.625,"end":1237.025,"confidence":0.9921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.019908152520656586},{"word":"and","start":1237.025,"end":1237.265,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014469929039478302},{"word":"power","start":1237.265,"end":1237.665,"confidence":0.9970703,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.027608782052993774},{"word":"of","start":1237.665,"end":1237.8251,"confidence":0.9140625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02664290741086006},{"word":"attorney","start":1237.8251,"end":1238.3251,"confidence":0.8652344,"punctuated_word":"attorney?","sentiment":"neutral","sentiment_score":-0.0005255322903394699},{"word":"yeah","start":1242.36,"end":1242.86,"confidence":0.9675293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08160778135061264},{"word":"k","start":1246.12,"end":1246.62,"confidence":0.8173828,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.002644049935042858},{"word":"and","start":1246.92,"end":1247.42,"confidence":0.7741699,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.004589357413351536},{"word":"like","start":1247.48,"end":1247.72,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.001576930284500122},{"word":"a","start":1247.72,"end":1247.88,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019902531057596207},{"word":"will","start":1247.88,"end":1248.28,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.020864445716142654},{"word":"for","start":1248.28,"end":1248.68,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01502278819680214},{"word":"where","start":1248.68,"end":1248.92,"confidence":0.9902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.00969964638352394},{"word":"the","start":1248.92,"end":1249.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01820095255970955},{"word":"house","start":1249.0,"end":1249.4,"confidence":0.9980469,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.040211021900177},{"word":"goes","start":1249.4,"end":1249.72,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.030433129519224167},{"word":"and","start":1249.72,"end":1250.22,"confidence":0.9116211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02047565020620823},{"word":"cars","start":1250.36,"end":1250.6,"confidence":0.8984375,"punctuated_word":"cars","sentiment":"neutral","sentiment_score":0.02121679112315178},{"word":"and","start":1250.6,"end":1250.84,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02154599502682686},{"word":"cash","start":1250.84,"end":1251.08,"confidence":0.9921875,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.017026495188474655},{"word":"and","start":1251.08,"end":1251.16,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014101915061473846},{"word":"all","start":1251.16,"end":1251.3201,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.007746923714876175},{"word":"that","start":1251.3201,"end":1251.48,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014073748141527176},{"word":"kind","start":1251.48,"end":1251.72,"confidence":0.95703125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.007814321666955948},{"word":"of","start":1251.72,"end":1251.8,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.022109895944595337},{"word":"thing","start":1251.8,"end":1252.3,"confidence":0.9682617,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":0.010299429297447205},{"word":"no","start":1253.325,"end":1253.825,"confidence":0.8251953,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19627897441387177},{"word":"that's","start":1255.1649,"end":1255.565,"confidence":0.9916992,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11243041604757308},{"word":"fine","start":1255.565,"end":1256.065,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2105374038219452},{"word":"if","start":1256.365,"end":1256.5249,"confidence":0.87353516,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.34812086820602417},{"word":"it","start":1256.5249,"end":1256.6849,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3421909213066101},{"word":"does","start":1256.6849,"end":1257.005,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.24584290385246277},{"word":"help","start":1257.005,"end":1257.4049,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.20142148435115817},{"word":"and","start":1257.4049,"end":1257.6449,"confidence":0.79541016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24586081504821777},{"word":"if","start":1257.6449,"end":1257.8049,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23999051749706268},{"word":"you","start":1257.8049,"end":1257.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1842162013053894},{"word":"do","start":1257.965,"end":1258.205,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1226891279220581},{"word":"feel","start":1258.205,"end":1258.5249,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.11008723825216292},{"word":"it's","start":1258.5249,"end":1258.845,"confidence":0.75927734,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11202463507652284},{"word":"important","start":1258.845,"end":1259.345,"confidence":0.92529297,"punctuated_word":"important,","sentiment":"neutral","sentiment_score":0.07912647724151611},{"word":"obviously","start":1260.125,"end":1260.605,"confidence":0.85302734,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.08783965557813644},{"word":"people","start":1260.605,"end":1260.845,"confidence":0.9980469,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.12019261717796326},{"word":"go","start":1260.845,"end":1261.005,"confidence":0.96777344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09467771649360655},{"word":"to","start":1261.005,"end":1261.1649,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06646731495857239},{"word":"lawyers","start":1261.1649,"end":1261.6649,"confidence":0.9838867,"punctuated_word":"lawyers","sentiment":"neutral","sentiment_score":0.011670097708702087},{"word":"for","start":1261.725,"end":1261.965,"confidence":0.6899414,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0310334712266922},{"word":"will","start":1261.965,"end":1262.365,"confidence":0.77978516,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.03894832730293274},{"word":"but","start":1262.365,"end":1262.5249,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04726484790444374},{"word":"there's","start":1262.5249,"end":1262.7649,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.056472040712833405},{"word":"also","start":1262.7649,"end":1263.2649,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04205210134387016},{"word":"public","start":1263.965,"end":1264.365,"confidence":0.9980469,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.06662217527627945},{"word":"trustees","start":1264.365,"end":1264.845,"confidence":0.9838867,"punctuated_word":"trustees","sentiment":"neutral","sentiment_score":0.05197868123650551},{"word":"of","start":1264.845,"end":1265.005,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07101687788963318},{"word":"every","start":1265.005,"end":1265.245,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.043068062514066696},{"word":"state","start":1265.245,"end":1265.565,"confidence":1.0,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.08029765635728836},{"word":"that","start":1265.565,"end":1265.725,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08607541024684906},{"word":"do","start":1265.725,"end":1265.885,"confidence":0.83447266,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07121943682432175},{"word":"appointments","start":1265.885,"end":1266.365,"confidence":0.6791992,"punctuated_word":"appointments","sentiment":"neutral","sentiment_score":0.0656747817993164},{"word":"like","start":1266.365,"end":1266.5249,"confidence":0.6333008,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08175037056207657},{"word":"the","start":1266.5249,"end":1266.6849,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09354522824287416},{"word":"courthouse","start":1266.6849,"end":1267.1849,"confidence":0.83154297,"punctuated_word":"courthouse.","sentiment":"neutral","sentiment_score":0.07644270360469818},{"word":"and","start":1267.71,"end":1268.21,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08142532408237457},{"word":"even","start":1269.39,"end":1269.71,"confidence":0.9038086,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.09199558198451996},{"word":"the","start":1269.71,"end":1269.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07756409794092178},{"word":"post","start":1269.87,"end":1270.11,"confidence":0.984375,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.08722157776355743},{"word":"office","start":1270.11,"end":1270.51,"confidence":0.99902344,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.07454521954059601},{"word":"has","start":1270.51,"end":1270.75,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.11563538014888763},{"word":"government","start":1270.75,"end":1271.15,"confidence":0.9951172,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.10859568417072296},{"word":"approved","start":1271.15,"end":1271.5499,"confidence":0.98828125,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.08850455284118652},{"word":"will","start":1271.5499,"end":1271.7899,"confidence":0.8222656,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08304665237665176},{"word":"kits","start":1271.7899,"end":1272.03,"confidence":0.96435547,"punctuated_word":"kits","sentiment":"neutral","sentiment_score":0.07726787030696869},{"word":"for","start":1272.03,"end":1272.19,"confidence":0.9250488,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.049649327993392944},{"word":"like","start":1272.19,"end":1272.35,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05219366028904915},{"word":"20","start":1272.35,"end":1272.6699,"confidence":0.9941406,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.07421800494194031},{"word":"plus","start":1272.6699,"end":1273.07,"confidence":0.5317383,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.0605505108833313},{"word":"bucks","start":1273.07,"end":1273.5499,"confidence":0.73291016,"punctuated_word":"bucks.","sentiment":"neutral","sentiment_score":0.06254737079143524},{"word":"so","start":1273.5499,"end":1274.0499,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05602587014436722},{"word":"if","start":1274.27,"end":1274.4299,"confidence":0.8100586,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06319890916347504},{"word":"that","start":1274.4299,"end":1274.6699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03715648874640465},{"word":"kind","start":1274.6699,"end":1274.83,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.15556561946868896},{"word":"of","start":1274.83,"end":1274.99,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16801130771636963},{"word":"helps","start":1274.99,"end":1275.23,"confidence":0.99902344,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.1313859522342682},{"word":"a","start":1275.23,"end":1275.3099,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1495029777288437},{"word":"little","start":1275.3099,"end":1275.47,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13025718927383423},{"word":"bit","start":1275.47,"end":1275.97,"confidence":0.82250977,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.16958630084991455},{"word":"yeah","start":1278.99,"end":1279.39,"confidence":0.9916992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08067244291305542},{"word":"draft","start":1279.39,"end":1279.63,"confidence":0.9892578,"punctuated_word":"Draft","sentiment":"neutral","sentiment_score":0.061328768730163574},{"word":"it","start":1279.63,"end":1279.7899,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09115606546401978},{"word":"yourself","start":1279.7899,"end":1280.27,"confidence":0.83374023,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.11143945157527924},{"word":"get","start":1280.27,"end":1280.51,"confidence":0.99902344,"punctuated_word":"Get","sentiment":"neutral","sentiment_score":0.08637923002243042},{"word":"it","start":1280.51,"end":1280.6699,"confidence":0.9428711,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08579762279987335},{"word":"witnessed","start":1280.6699,"end":1281.15,"confidence":0.9604492,"punctuated_word":"witnessed","sentiment":"neutral","sentiment_score":0.10800148546695708},{"word":"and","start":1281.15,"end":1281.39,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10107506811618804},{"word":"signed","start":1281.39,"end":1281.87,"confidence":0.9873047,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.0804971382021904},{"word":"by","start":1281.87,"end":1282.11,"confidence":0.9926758,"punctuated_word":"by,","sentiment":"neutral","sentiment_score":0.09919211268424988},{"word":"you","start":1282.11,"end":1282.19,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0839904397726059},{"word":"know","start":1282.19,"end":1282.485,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0884454995393753},{"word":"jp's","start":1282.565,"end":1282.965,"confidence":0.6374512,"punctuated_word":"JP's","sentiment":"neutral","sentiment_score":0.08490921556949615},{"word":"and","start":1282.965,"end":1283.125,"confidence":0.9350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0932309478521347},{"word":"witnesses","start":1283.125,"end":1283.525,"confidence":0.9892578,"punctuated_word":"witnesses","sentiment":"neutral","sentiment_score":0.08461105823516846},{"word":"and","start":1283.525,"end":1283.6849,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11219727247953416},{"word":"everything","start":1283.6849,"end":1284.1849,"confidence":0.8173828,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.08829496800899506},{"word":"and","start":1284.405,"end":1284.905,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09475978463888168},{"word":"they're","start":1285.205,"end":1285.705,"confidence":0.86450195,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.08322776854038239},{"word":"they're","start":1286.005,"end":1286.165,"confidence":0.9802246,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.07908570021390915},{"word":"legal","start":1286.165,"end":1286.485,"confidence":0.9838867,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.0827866792678833},{"word":"approved","start":1286.485,"end":1286.885,"confidence":0.83081055,"punctuated_word":"approved.","sentiment":"neutral","sentiment_score":0.08938458561897278},{"word":"that's","start":1286.885,"end":1287.045,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05469253659248352},{"word":"why","start":1287.045,"end":1287.285,"confidence":0.99902344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.05000676214694977},{"word":"they","start":1287.285,"end":1287.365,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04697161912918091},{"word":"kind","start":1287.365,"end":1287.605,"confidence":0.7607422,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04785044491291046},{"word":"of","start":1287.605,"end":1287.765,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05173900723457336},{"word":"supply","start":1287.765,"end":1288.245,"confidence":0.53125,"punctuated_word":"supply","sentiment":"neutral","sentiment_score":0.03999323770403862},{"word":"through","start":1288.245,"end":1288.645,"confidence":0.9165039,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02172867581248283},{"word":"auspost","start":1288.645,"end":1289.145,"confidence":0.6559245,"punctuated_word":"AusPost.","sentiment":"neutral","sentiment_score":0.020151685923337936},{"word":"yeah","start":1291.9249,"end":1292.165,"confidence":0.9030762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.016294848173856735},{"word":"they're","start":1292.165,"end":1292.325,"confidence":0.99609375,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.05227665230631828},{"word":"not","start":1292.325,"end":1292.565,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09787159413099288},{"word":"the","start":1292.565,"end":1292.645,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14307399094104767},{"word":"fanciest","start":1292.645,"end":1293.125,"confidence":0.9427083,"punctuated_word":"fanciest","sentiment":"neutral","sentiment_score":-0.15468895435333252},{"word":"thing","start":1293.125,"end":1293.285,"confidence":0.970459,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":-0.051018647849559784},{"word":"but","start":1293.285,"end":1293.365,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.041487257927656174},{"word":"if","start":1293.365,"end":1293.525,"confidence":0.9614258,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07169481366872787},{"word":"it's","start":1293.525,"end":1293.6849,"confidence":0.9902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07092498987913132},{"word":"just","start":1293.6849,"end":1293.9249,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06767858564853668},{"word":"for","start":1293.9249,"end":1294.165,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09425154328346252},{"word":"a","start":1294.165,"end":1294.245,"confidence":0.7416992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08288969844579697},{"word":"half","start":1294.245,"end":1294.485,"confidence":0.85595703,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.06978583335876465},{"word":"car","start":1294.485,"end":1294.725,"confidence":0.40185547,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.07078403234481812},{"word":"and","start":1294.725,"end":1294.965,"confidence":0.59277344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07728894054889679},{"word":"cash","start":1294.965,"end":1295.465,"confidence":0.9248047,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":-0.05865518003702164},{"word":"absolutely","start":1299.61,"end":1300.11,"confidence":0.9675293,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1745210587978363},{"word":"if","start":1300.8099,"end":1300.97,"confidence":0.8251953,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.18420301377773285},{"word":"you","start":1300.97,"end":1301.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16680476069450378},{"word":"have","start":1301.13,"end":1301.21,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1892194300889969},{"word":"any","start":1301.21,"end":1301.37,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.20485328137874603},{"word":"questions","start":1301.37,"end":1301.77,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1629342883825302},{"word":"on","start":1301.77,"end":1301.85,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1436225175857544},{"word":"that","start":1301.85,"end":1302.09,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14549869298934937},{"word":"anytime","start":1302.09,"end":1302.49,"confidence":0.7702637,"punctuated_word":"anytime,","sentiment":"neutral","sentiment_score":0.17369529604911804},{"word":"i","start":1302.49,"end":1302.65,"confidence":0.4284668,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18838362395763397},{"word":"just","start":1302.65,"end":1302.89,"confidence":0.93603516,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1656842976808548},{"word":"let","start":1302.89,"end":1303.0499,"confidence":0.8691406,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1669875979423523},{"word":"me","start":1303.0499,"end":1303.21,"confidence":0.88427734,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.18198250234127045},{"word":"know","start":1303.21,"end":1303.53,"confidence":0.7741699,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.17933118343353271},{"word":"but","start":1303.53,"end":1303.85,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.16990751028060913},{"word":"i","start":1303.85,"end":1303.9299,"confidence":0.90478516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1333676278591156},{"word":"just","start":1303.9299,"end":1304.17,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14996284246444702},{"word":"thought","start":1304.17,"end":1304.25,"confidence":0.9741211,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.1763218641281128},{"word":"i'd","start":1304.25,"end":1304.41,"confidence":0.9802246,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.18596985936164856},{"word":"give","start":1304.41,"end":1304.57,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1615508496761322},{"word":"you","start":1304.57,"end":1304.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16641244292259216},{"word":"a","start":1304.73,"end":1304.89,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18313927948474884},{"word":"couple","start":1304.89,"end":1305.13,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.15550704300403595},{"word":"options","start":1305.13,"end":1305.53,"confidence":0.8198242,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.10316261649131776},{"word":"there","start":1305.53,"end":1305.77,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20415207743644712},{"word":"if","start":1305.77,"end":1305.9299,"confidence":0.7841797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22120514512062073},{"word":"that","start":1305.9299,"end":1306.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2452854365110397},{"word":"helps","start":1306.09,"end":1306.59,"confidence":0.9980469,"punctuated_word":"helps.","sentiment":"neutral","sentiment_score":0.15841129422187805},{"word":"alrighty","start":1309.155,"end":1309.655,"confidence":0.99609375,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.25898534059524536},{"word":"so","start":1310.675,"end":1310.915,"confidence":0.8691406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25605759024620056},{"word":"i'll","start":1310.915,"end":1311.0751,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.23888257145881653},{"word":"get","start":1311.0751,"end":1311.2351,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24958525598049164},{"word":"the","start":1311.2351,"end":1311.3151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22419631481170657},{"word":"team","start":1311.3151,"end":1311.555,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.1777835190296173},{"word":"to","start":1311.555,"end":1311.7151,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.252681165933609},{"word":"kind","start":1311.7151,"end":1311.875,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.22563868761062625},{"word":"of","start":1311.875,"end":1312.035,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2648048400878906},{"word":"reach","start":1312.035,"end":1312.275,"confidence":0.99902344,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.2375616729259491},{"word":"out","start":1312.275,"end":1312.515,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2602871060371399},{"word":"for","start":1312.515,"end":1313.015,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2612709701061249},{"word":"that","start":1313.9551,"end":1314.275,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24783146381378177},{"word":"research","start":1314.275,"end":1314.755,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.14771057665348053},{"word":"on","start":1314.755,"end":1314.915,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1524297297000885},{"word":"colonial","start":1314.915,"end":1315.415,"confidence":0.90112305,"punctuated_word":"Colonial.","sentiment":"neutral","sentiment_score":0.22541508078575137},{"word":"as","start":1315.4751,"end":1315.635,"confidence":1.0,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.31135299801826477},{"word":"soon","start":1315.635,"end":1315.875,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.27759480476379395},{"word":"as","start":1315.875,"end":1316.035,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.32049527764320374},{"word":"i've","start":1316.035,"end":1316.275,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.28087300062179565},{"word":"got","start":1316.275,"end":1316.435,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.27954262495040894},{"word":"that","start":1316.435,"end":1316.675,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26327890157699585},{"word":"down","start":1316.675,"end":1317.175,"confidence":0.9980469,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.27391114830970764},{"word":"i'll","start":1317.2351,"end":1317.4751,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.28612518310546875},{"word":"do","start":1317.4751,"end":1317.635,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.31066110730171204},{"word":"the","start":1317.635,"end":1317.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3017306923866272},{"word":"comparisons","start":1317.795,"end":1318.295,"confidence":0.9873047,"punctuated_word":"comparisons","sentiment":"neutral","sentiment_score":0.2675943970680237},{"word":"and","start":1318.435,"end":1318.5951,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2636648416519165},{"word":"put","start":1318.5951,"end":1318.8351,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.3428594470024109},{"word":"the","start":1318.8351,"end":1318.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3116660416126251},{"word":"updated","start":1318.995,"end":1319.4751,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.26754438877105713},{"word":"statement","start":1319.4751,"end":1319.875,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"positive","sentiment_score":0.40420523285865784},{"word":"of","start":1319.875,"end":1320.035,"confidence":0.99316406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4030596613883972},{"word":"advice","start":1320.035,"end":1320.435,"confidence":0.99121094,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2988399863243103},{"word":"together","start":1320.435,"end":1320.8351,"confidence":1.0,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.37103432416915894},{"word":"for","start":1320.8351,"end":1320.995,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.37712377309799194},{"word":"you","start":1320.995,"end":1321.41,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1260678470134735},{"word":"now","start":1322.29,"end":1322.53,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08668718487024307},{"word":"just","start":1322.53,"end":1322.77,"confidence":0.9580078,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09080738574266434},{"word":"given","start":1322.77,"end":1323.17,"confidence":0.99902344,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.07828754931688309},{"word":"the","start":1323.17,"end":1323.3301,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08793357014656067},{"word":"time","start":1323.3301,"end":1323.5701,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1121772527694702},{"word":"that","start":1323.5701,"end":1323.73,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0848633199930191},{"word":"it","start":1323.73,"end":1323.81,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0982200652360916},{"word":"takes","start":1323.81,"end":1324.13,"confidence":0.9951172,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.07159039378166199},{"word":"them","start":1324.13,"end":1324.4501,"confidence":0.7758789,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.07027436792850494},{"word":"to","start":1324.4501,"end":1324.9501,"confidence":0.8095703,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.05848374590277672},{"word":"a","start":1325.65,"end":1325.89,"confidence":0.9824219,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.048191796988248825},{"word":"update","start":1325.89,"end":1326.2101,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.05253354087471962},{"word":"the","start":1326.2101,"end":1326.37,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07264985144138336},{"word":"email","start":1326.37,"end":1326.61,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.06788613647222519},{"word":"address","start":1326.61,"end":1326.93,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.04654788225889206},{"word":"if","start":1326.93,"end":1327.0901,"confidence":0.9560547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07770408689975739},{"word":"they","start":1327.0901,"end":1327.25,"confidence":0.9873047,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06380213052034378},{"word":"need","start":1327.25,"end":1327.41,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.061246827244758606},{"word":"to","start":1327.41,"end":1327.91,"confidence":0.9604492,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.10316041111946106},{"word":"approve","start":1328.37,"end":1328.77,"confidence":0.9819336,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":0.12621699273586273},{"word":"the","start":1328.77,"end":1328.93,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10203884541988371},{"word":"authority","start":1328.93,"end":1329.43,"confidence":0.97802734,"punctuated_word":"authority,","sentiment":"neutral","sentiment_score":0.1426154226064682},{"word":"do","start":1329.89,"end":1330.13,"confidence":0.96972656,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.135030597448349},{"word":"the","start":1330.13,"end":1330.29,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12472109496593475},{"word":"research","start":1330.29,"end":1330.6901,"confidence":0.99609375,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":0.10011357069015504},{"word":"put","start":1330.6901,"end":1330.85,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.13401196897029877},{"word":"the","start":1330.85,"end":1331.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11423221975564957},{"word":"plan","start":1331.01,"end":1331.25,"confidence":0.95166016,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.13419857621192932},{"word":"together","start":1331.25,"end":1331.75,"confidence":0.88378906,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.11910860240459442},{"word":"i'm","start":1332.2101,"end":1332.53,"confidence":0.8581543,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11362324655056},{"word":"pretty","start":1332.53,"end":1332.85,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1463126540184021},{"word":"much","start":1332.85,"end":1333.25,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.12847450375556946},{"word":"gonna","start":1333.25,"end":1333.5701,"confidence":0.93847656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12637734413146973},{"word":"be","start":1333.5701,"end":1333.81,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10207031667232512},{"word":"contacting","start":1333.81,"end":1334.31,"confidence":0.9941406,"punctuated_word":"contacting","sentiment":"neutral","sentiment_score":0.10501447319984436},{"word":"well","start":1334.7949,"end":1334.955,"confidence":0.8330078,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.14140692353248596},{"word":"the","start":1334.955,"end":1335.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16805978119373322},{"word":"team","start":1335.115,"end":1335.195,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.12330150604248048},{"word":"will","start":1335.195,"end":1335.4349,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12393999099731444},{"word":"be","start":1335.4349,"end":1335.595,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1652138978242874},{"word":"in","start":1335.595,"end":1335.6749,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17395009100437164},{"word":"touch","start":1335.6749,"end":1335.9149,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.0955212265253067},{"word":"with","start":1335.9149,"end":1335.995,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15449166297912598},{"word":"you","start":1335.995,"end":1336.1549,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17708879709243774},{"word":"over","start":1336.1549,"end":1336.315,"confidence":0.9892578,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2092099487781525},{"word":"the","start":1336.315,"end":1336.395,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13485214114189148},{"word":"next","start":1336.395,"end":1336.635,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1198725700378418},{"word":"few","start":1336.635,"end":1336.7949,"confidence":0.9980469,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.12168417125940324},{"word":"weeks","start":1336.7949,"end":1337.115,"confidence":0.99902344,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.13002386689186096},{"word":"a","start":1337.115,"end":1337.275,"confidence":0.8984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13319380581378937},{"word":"couple","start":1337.275,"end":1337.515,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.09092583507299425},{"word":"of","start":1337.515,"end":1337.6749,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10020720958709715},{"word":"times","start":1337.6749,"end":1338.1749,"confidence":0.80029297,"punctuated_word":"times,","sentiment":"neutral","sentiment_score":0.09293053299188614},{"word":"and","start":1338.235,"end":1338.395,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07931622117757797},{"word":"then","start":1338.395,"end":1338.635,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07596278190612793},{"word":"we'll","start":1338.635,"end":1338.7949,"confidence":0.99609375,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.10677702724933624},{"word":"be","start":1338.7949,"end":1338.955,"confidence":0.9770508,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08761321008205414},{"word":"probably","start":1338.955,"end":1339.455,"confidence":0.9760742,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.07263709604740143},{"word":"speaking","start":1339.515,"end":1340.015,"confidence":0.890625,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.07666061818599701},{"word":"just","start":1340.635,"end":1340.955,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.058974914252758026},{"word":"before","start":1340.955,"end":1341.195,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.060809895396232605},{"word":"the","start":1341.195,"end":1341.355,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046311475336551666},{"word":"end","start":1341.355,"end":1341.515,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.06823337823152542},{"word":"of","start":1341.515,"end":1341.6749,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.060663215816020966},{"word":"financial","start":1341.6749,"end":1342.075,"confidence":0.98828125,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.05583484470844269},{"word":"year","start":1342.075,"end":1342.235,"confidence":0.94628906,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0675099566578865},{"word":"to","start":1342.235,"end":1342.315,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08125527203083038},{"word":"go","start":1342.315,"end":1342.475,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08982296288013458},{"word":"through","start":1342.475,"end":1342.715,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1074649766087532},{"word":"the","start":1342.715,"end":1342.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1069997251033783},{"word":"updated","start":1342.875,"end":1343.275,"confidence":0.93359375,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.09948881715536118},{"word":"plan","start":1343.275,"end":1343.595,"confidence":0.6491699,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.11990854144096376},{"word":"cool","start":1343.595,"end":1344.095,"confidence":0.54663086,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.37556636333465576},{"word":"included","start":1348.12,"end":1348.52,"confidence":0.9658203,"punctuated_word":"Included","sentiment":"neutral","sentiment_score":0.1902484595775604},{"word":"in","start":1348.52,"end":1348.76,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15261287987232208},{"word":"there","start":1348.76,"end":1348.92,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1810007244348526},{"word":"as","start":1348.92,"end":1349.08,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18236111104488373},{"word":"well","start":1349.08,"end":1349.4,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1943419873714447},{"word":"in","start":1349.4,"end":1349.64,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16984891891479492},{"word":"that","start":1349.64,"end":1349.88,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22612129151821136},{"word":"email","start":1349.88,"end":1350.12,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.23811790347099304},{"word":"i've","start":1350.12,"end":1350.28,"confidence":0.9814453,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.17849574983119965},{"word":"sent","start":1350.28,"end":1350.52,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.17026793956756592},{"word":"you","start":1350.52,"end":1350.92,"confidence":0.9724121,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.20182237029075625},{"word":"that","start":1350.92,"end":1351.24,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21947787702083588},{"word":"sign","start":1351.24,"end":1351.48,"confidence":0.96972656,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.14385280013084412},{"word":"button","start":1351.48,"end":1351.8,"confidence":1.0,"punctuated_word":"button","sentiment":"neutral","sentiment_score":0.18395160138607025},{"word":"that","start":1351.8,"end":1351.96,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17516854405403137},{"word":"you","start":1351.96,"end":1352.12,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14888060092926023},{"word":"saw","start":1352.12,"end":1352.28,"confidence":0.89453125,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":0.1351483315229416},{"word":"at","start":1352.28,"end":1352.44,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1261606514453888},{"word":"the","start":1352.44,"end":1352.52,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13803209364414215},{"word":"top","start":1352.52,"end":1352.84,"confidence":0.91186523,"punctuated_word":"top,","sentiment":"neutral","sentiment_score":0.16538092494010925},{"word":"that's","start":1352.84,"end":1353.16,"confidence":0.85791016,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1402716487646103},{"word":"for","start":1353.16,"end":1353.4,"confidence":0.69921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13703763484954834},{"word":"the","start":1353.4,"end":1353.72,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1709158420562744},{"word":"service","start":1353.72,"end":1354.2,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.1589818149805069},{"word":"agreement","start":1354.2,"end":1354.7,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.16708123683929443},{"word":"and","start":1354.76,"end":1355.0,"confidence":0.9550781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1872262805700302},{"word":"tax","start":1355.0,"end":1355.24,"confidence":0.86572266,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.24650324881076813},{"word":"file","start":1355.24,"end":1355.48,"confidence":0.8598633,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.15475185215473175},{"word":"number","start":1355.48,"end":1355.8,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.15539197623729706},{"word":"opt","start":1355.8,"end":1356.04,"confidence":0.8491211,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.16195034980773926},{"word":"in","start":1356.04,"end":1356.2,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17717483639717102},{"word":"there","start":1356.2,"end":1356.44,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22485381364822388},{"word":"as","start":1356.44,"end":1356.6,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1995277404785156},{"word":"well","start":1356.6,"end":1357.1,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18498876690864563},{"word":"so","start":1357.4,"end":1357.9,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2176948189735413},{"word":"if","start":1358.12,"end":1358.28,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2792023718357086},{"word":"you're","start":1358.28,"end":1358.52,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3505541682243347},{"word":"still","start":1358.52,"end":1358.76,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3375180959701538},{"word":"happy","start":1358.76,"end":1359.16,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4548138976097107},{"word":"with","start":1359.16,"end":1359.32,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5056071281433105},{"word":"the","start":1359.32,"end":1359.48,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4310523271560669},{"word":"service","start":1359.48,"end":1359.98,"confidence":0.9995117,"punctuated_word":"service,","sentiment":"positive","sentiment_score":0.3680734634399414},{"word":"we","start":1360.28,"end":1360.44,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.34634414315223694},{"word":"still","start":1360.44,"end":1360.76,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.26253166794776917},{"word":"charge","start":1360.76,"end":1361.0,"confidence":0.9970703,"punctuated_word":"charge","sentiment":"positive","sentiment_score":0.4354352355003357},{"word":"the","start":1361.0,"end":1361.16,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27284443378448486},{"word":"1.65%","start":1361.16,"end":1362.7,"confidence":0.9463379,"punctuated_word":"1.65%.","sentiment":"neutral","sentiment_score":0.2740137577056885},{"word":"spread","start":1363.105,"end":1363.345,"confidence":0.99121094,"punctuated_word":"Spread","sentiment":"neutral","sentiment_score":0.3325303792953491},{"word":"that","start":1363.345,"end":1363.4249,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32126402854919434},{"word":"out","start":1363.4249,"end":1363.6649,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2374665290117264},{"word":"over","start":1363.6649,"end":1363.985,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2823864817619324},{"word":"the","start":1363.985,"end":1364.1449,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2643190026283264},{"word":"twelve","start":1364.1449,"end":1364.5449,"confidence":0.9980469,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.23513752222061157},{"word":"months","start":1364.5449,"end":1364.945,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.2429431974887848},{"word":"into","start":1364.945,"end":1365.2649,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.306995689868927},{"word":"the","start":1365.2649,"end":1365.4249,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28467729687690735},{"word":"little","start":1365.4249,"end":1365.6649,"confidence":0.9951172,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.3078164756298065},{"word":"repayments","start":1365.6649,"end":1366.1649,"confidence":0.97477216,"punctuated_word":"repayments,","sentiment":"neutral","sentiment_score":0.28036290407180786},{"word":"15","start":1366.7849,"end":1367.105,"confidence":0.9941406,"punctuated_word":"15","sentiment":"positive","sentiment_score":0.3716064393520355},{"word":"percent","start":1367.105,"end":1367.505,"confidence":0.99902344,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.24584609270095825},{"word":"tax","start":1367.505,"end":1367.825,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2869613468647003},{"word":"rebate","start":1367.825,"end":1368.3049,"confidence":0.8405762,"punctuated_word":"rebate,","sentiment":"neutral","sentiment_score":0.23241695761680603},{"word":"the","start":1368.3049,"end":1368.465,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24802961945533752},{"word":"super","start":1368.465,"end":1368.7849,"confidence":0.5239258,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2728112041950226},{"word":"fund","start":1368.7849,"end":1369.105,"confidence":0.7626953,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.23085588216781616},{"word":"claims","start":1369.105,"end":1369.605,"confidence":0.95092773,"punctuated_word":"claims.","sentiment":"neutral","sentiment_score":0.1893477439880371},{"word":"but","start":1369.985,"end":1370.225,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0919422283768654},{"word":"other","start":1370.225,"end":1370.465,"confidence":0.9863281,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0664006918668747},{"word":"than","start":1370.465,"end":1370.705,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.02681776136159897},{"word":"that","start":1370.705,"end":1371.105,"confidence":0.99365234,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.01864006370306015},{"word":"are","start":1371.105,"end":1371.2649,"confidence":0.8339844,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0394774004817009},{"word":"we","start":1371.2649,"end":1371.505,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08654271066188812},{"word":"touching","start":1371.505,"end":1371.825,"confidence":0.99609375,"punctuated_word":"touching","sentiment":"neutral","sentiment_score":0.09132982790470125},{"word":"on","start":1371.825,"end":1371.985,"confidence":0.98828125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1042800471186638},{"word":"it","start":1371.985,"end":1372.1449,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11138512939214706},{"word":"again","start":1372.1449,"end":1372.3849,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.11080225557088852},{"word":"when","start":1372.3849,"end":1372.5449,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12970244884490967},{"word":"we","start":1372.5449,"end":1372.705,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14726752042770386},{"word":"do","start":1372.705,"end":1372.7849,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16578802466392517},{"word":"the","start":1372.7849,"end":1373.0249,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16632308065891266},{"word":"updated","start":1373.0249,"end":1373.4249,"confidence":0.97314453,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.20857396721839905},{"word":"plan","start":1373.4249,"end":1373.9049,"confidence":0.99609375,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.282382607460022},{"word":"just","start":1373.9049,"end":1374.1449,"confidence":0.8125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1849149465560913},{"word":"to","start":1374.1449,"end":1374.3049,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1696666181087494},{"word":"make","start":1374.3049,"end":1374.465,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16933515667915344},{"word":"sure","start":1374.465,"end":1374.705,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2453881949186325},{"word":"you're","start":1374.705,"end":1374.945,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.30786728858947754},{"word":"actually","start":1374.945,"end":1375.2649,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.24283960461616516},{"word":"happy","start":1375.2649,"end":1375.585,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.35566046833992004},{"word":"with","start":1375.585,"end":1375.745,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3264525532722473},{"word":"what","start":1375.745,"end":1375.9049,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2871636748313904},{"word":"i'm","start":1375.9049,"end":1376.1449,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20320755243301392},{"word":"proposing","start":1376.1449,"end":1376.6449,"confidence":0.9941406,"punctuated_word":"proposing","sentiment":"neutral","sentiment_score":0.20841193199157715},{"word":"and","start":1377.2599,"end":1377.4199,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1858830600976944},{"word":"can","start":1377.4199,"end":1377.74,"confidence":0.9863281,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22990477085113523},{"word":"give","start":1377.74,"end":1377.8999,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07004491984844208},{"word":"you","start":1377.8999,"end":1378.0599,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05354318767786026},{"word":"consent","start":1378.0599,"end":1378.46,"confidence":0.9892578,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.14304158091545105},{"word":"then","start":1378.46,"end":1378.7,"confidence":0.99316406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14994855225086212},{"word":"as","start":1378.7,"end":1378.86,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14558571577072144},{"word":"well","start":1378.86,"end":1379.36,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11690521985292436},{"word":"cool","start":1382.2999,"end":1382.7999,"confidence":0.8286133,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.164244145154953},{"word":"any","start":1383.2599,"end":1383.58,"confidence":0.93603516,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.07914318144321442},{"word":"questions","start":1383.58,"end":1383.98,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07114322483539581},{"word":"for","start":1383.98,"end":1384.1399,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06806997954845428},{"word":"me","start":1384.1399,"end":1384.3799,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11176138371229172},{"word":"so","start":1384.3799,"end":1384.5399,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10460398346185684},{"word":"far","start":1384.5399,"end":1384.7799,"confidence":0.9970703,"punctuated_word":"far,","sentiment":"neutral","sentiment_score":0.08781374245882034},{"word":"mate","start":1384.7799,"end":1385.2799,"confidence":0.84814453,"punctuated_word":"mate?","sentiment":"neutral","sentiment_score":0.09893080592155457},{"word":"yep","start":1406.84,"end":1407.34,"confidence":0.861084,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.051343172788619995},{"word":"yeah","start":1425.015,"end":1425.255,"confidence":0.79589844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026547394692897797},{"word":"so","start":1425.255,"end":1425.755,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.037371549755334854},{"word":"the","start":1425.895,"end":1426.135,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041040319949388504},{"word":"way","start":1426.135,"end":1426.635,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.05278553441166878},{"word":"the","start":1426.695,"end":1427.015,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0521305538713932},{"word":"the","start":1427.015,"end":1427.175,"confidence":0.94970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05478724464774132},{"word":"professionals","start":1427.175,"end":1427.675,"confidence":0.99609375,"punctuated_word":"professionals","sentiment":"neutral","sentiment_score":0.06386842578649521},{"word":"work","start":1427.895,"end":1428.395,"confidence":0.7836914,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.06508149951696396},{"word":"so","start":1428.7699,"end":1428.9299,"confidence":0.9560547,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05810094624757767},{"word":"overview","start":1428.9299,"end":1429.4099,"confidence":0.50634766,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":0.0740736573934555},{"word":"financial","start":1429.4099,"end":1429.8899,"confidence":0.6765137,"punctuated_word":"financial,","sentiment":"neutral","sentiment_score":0.05306349694728851},{"word":"we're","start":1429.8899,"end":1430.13,"confidence":0.79956055,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.053377389907836914},{"word":"financial","start":1430.13,"end":1430.63,"confidence":0.9560547,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.04428093507885933},{"word":"advisers","start":1430.69,"end":1431.1699,"confidence":0.7817383,"punctuated_word":"advisers.","sentiment":"neutral","sentiment_score":0.04340581223368645},{"word":"we","start":1431.1699,"end":1431.4099,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.03896943852305412},{"word":"kind","start":1431.4099,"end":1431.6499,"confidence":0.8364258,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.041788939386606216},{"word":"of","start":1431.6499,"end":1431.73,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03687295690178871},{"word":"sit","start":1431.73,"end":1432.0499,"confidence":0.9589844,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.045130886137485504},{"word":"in","start":1432.0499,"end":1432.21,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05411313846707344},{"word":"the","start":1432.21,"end":1432.2899,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04567146673798561},{"word":"middle","start":1432.2899,"end":1432.61,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.05463407188653946},{"word":"of","start":1432.61,"end":1432.7699,"confidence":0.8496094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04541095718741417},{"word":"your","start":1432.7699,"end":1433.2699,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0387822687625885},{"word":"financial","start":1433.8899,"end":1434.3899,"confidence":0.8798828,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.04081707075238228},{"word":"travel","start":1434.45,"end":1434.7699,"confidence":1.0,"punctuated_word":"travel","sentiment":"neutral","sentiment_score":-0.006696589291095734},{"word":"agent","start":1434.7699,"end":1435.09,"confidence":0.9758301,"punctuated_word":"agent.","sentiment":"neutral","sentiment_score":0.025695133954286575},{"word":"right","start":1435.09,"end":1435.59,"confidence":0.9975586,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.04771709442138672},{"word":"go","start":1435.6499,"end":1435.8899,"confidence":0.9970703,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.09035162627696992},{"word":"with","start":1435.8899,"end":1436.13,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1004507541656494},{"word":"this","start":1436.13,"end":1436.63,"confidence":0.9921875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1070576012134552},{"word":"airline","start":1436.7699,"end":1437.2699,"confidence":0.76831055,"punctuated_word":"airline.","sentiment":"neutral","sentiment_score":0.08320073783397675},{"word":"go","start":1437.4099,"end":1437.6499,"confidence":1.0,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.14761364459991455},{"word":"with","start":1437.6499,"end":1437.8099,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17171305418014526},{"word":"the","start":1437.8099,"end":1437.97,"confidence":0.5649414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14702922105789185},{"word":"tickets","start":1437.97,"end":1438.37,"confidence":0.66064453,"punctuated_word":"tickets","sentiment":"neutral","sentiment_score":0.16922979056835177},{"word":"for","start":1438.37,"end":1438.5299,"confidence":0.5517578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14408212900161743},{"word":"the","start":1438.5299,"end":1438.69,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1156492829322815},{"word":"extra","start":1438.69,"end":1439.01,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.14047697186470032},{"word":"baggage","start":1439.01,"end":1439.51,"confidence":0.9658203,"punctuated_word":"baggage.","sentiment":"neutral","sentiment_score":0.0953269675374031},{"word":"here's","start":1439.57,"end":1439.8899,"confidence":0.9572754,"punctuated_word":"Here's","sentiment":"neutral","sentiment_score":0.10991772264242172},{"word":"the","start":1439.8899,"end":1440.0499,"confidence":0.9038086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12285172939300536},{"word":"product","start":1440.0499,"end":1440.45,"confidence":0.9890137,"punctuated_word":"product.","sentiment":"neutral","sentiment_score":0.13917264342308044},{"word":"this","start":1440.45,"end":1440.61,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1218436136841774},{"word":"is","start":1440.61,"end":1440.7699,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11058863997459412},{"word":"what","start":1440.7699,"end":1440.9299,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1274450719356537},{"word":"you're","start":1440.9299,"end":1441.09,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14008477330207825},{"word":"trying","start":1441.09,"end":1441.4099,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.1684291511774063},{"word":"to","start":1441.4099,"end":1441.49,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16286028921604156},{"word":"get","start":1441.49,"end":1441.73,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1258326917886734},{"word":"to","start":1441.73,"end":1442.13,"confidence":0.921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.147954061627388},{"word":"in","start":1442.13,"end":1442.37,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16487836837768555},{"word":"terms","start":1442.37,"end":1442.61,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1204121559858322},{"word":"of","start":1442.61,"end":1442.69,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15473797917366028},{"word":"goals","start":1442.69,"end":1443.19,"confidence":0.82788086,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.11260761320590972},{"word":"you've","start":1443.765,"end":1444.005,"confidence":0.99902344,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.06012994796037674},{"word":"got","start":1444.005,"end":1444.505,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06022960692644119},{"word":"mortgage","start":1445.125,"end":1445.525,"confidence":0.99902344,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.08743222057819366},{"word":"brokers","start":1445.525,"end":1445.845,"confidence":0.99902344,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":0.07109679281711578},{"word":"who","start":1445.845,"end":1446.0851,"confidence":0.9951172,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.042533937841653824},{"word":"specialize","start":1446.0851,"end":1446.5651,"confidence":0.9951172,"punctuated_word":"specialize","sentiment":"neutral","sentiment_score":0.0597313717007637},{"word":"in","start":1446.5651,"end":1446.805,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06447373330593109},{"word":"getting","start":1446.805,"end":1447.045,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.07430733740329742},{"word":"the","start":1447.045,"end":1447.285,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.054000258445739746},{"word":"loans","start":1447.285,"end":1447.785,"confidence":0.921875,"punctuated_word":"loans.","sentiment":"neutral","sentiment_score":0.06481945514678955},{"word":"you've","start":1448.645,"end":1448.965,"confidence":1.0,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.04547378048300743},{"word":"got","start":1448.965,"end":1449.465,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04047023132443428},{"word":"buyers'","start":1450.005,"end":1450.505,"confidence":0.5344238,"punctuated_word":"buyers'","sentiment":"neutral","sentiment_score":0.07051807641983032},{"word":"agents","start":1450.5651,"end":1451.0651,"confidence":0.9941406,"punctuated_word":"agents","sentiment":"neutral","sentiment_score":0.07304719090461731},{"word":"who","start":1451.525,"end":1451.845,"confidence":0.9838867,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.0522557832300663},{"word":"specialize","start":1451.845,"end":1452.345,"confidence":0.9980469,"punctuated_word":"specialize","sentiment":"neutral","sentiment_score":0.07544628530740738},{"word":"in","start":1452.645,"end":1452.885,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06877116858959198},{"word":"finding","start":1452.885,"end":1453.285,"confidence":0.99609375,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":0.08934564888477325},{"word":"a","start":1453.285,"end":1453.4451,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08162017166614532},{"word":"property","start":1453.4451,"end":1453.9451,"confidence":0.91796875,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.036992717534303665},{"word":"and","start":1455.4451,"end":1455.605,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08853919059038162},{"word":"then","start":1455.605,"end":1455.845,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08923248201608658},{"word":"the","start":1455.845,"end":1456.0851,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16701069474220276},{"word":"advisers","start":1456.0851,"end":1456.5851,"confidence":0.8959961,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":0.13335934281349182},{"word":"we","start":1456.885,"end":1457.045,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15716981887817383},{"word":"go","start":1457.045,"end":1457.285,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1866576373577118},{"word":"through","start":1457.285,"end":1457.525,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1761566996574402},{"word":"the","start":1457.525,"end":1457.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1823272556066513},{"word":"strategies","start":1457.765,"end":1458.265,"confidence":0.94970703,"punctuated_word":"strategies,","sentiment":"neutral","sentiment_score":0.14699557423591614},{"word":"projections","start":1459.1599,"end":1459.6599,"confidence":0.95410156,"punctuated_word":"projections,","sentiment":"neutral","sentiment_score":0.1259734183549881},{"word":"and","start":1459.7999,"end":1460.0399,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11389312148094176},{"word":"also","start":1460.0399,"end":1460.36,"confidence":0.9741211,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1377672255039215},{"word":"just","start":1460.36,"end":1460.6,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19650259613990784},{"word":"the","start":1460.6,"end":1460.76,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16007578372955322},{"word":"general","start":1460.76,"end":1461.26,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.2248487174510956},{"word":"education","start":1461.32,"end":1461.82,"confidence":1.0,"punctuated_word":"education","sentiment":"neutral","sentiment_score":0.15127667784690857},{"word":"as","start":1461.96,"end":1462.12,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16710135340690613},{"word":"well","start":1462.12,"end":1462.62,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1151033490896225},{"word":"so","start":1462.76,"end":1463.08,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04099249839782715},{"word":"have","start":1463.08,"end":1463.1599,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023517565801739693},{"word":"you","start":1463.1599,"end":1463.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025255095213651657},{"word":"ever","start":1463.32,"end":1463.64,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.016441645100712776},{"word":"gone","start":1463.64,"end":1463.96,"confidence":1.0,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.008423125371336937},{"word":"through","start":1463.96,"end":1464.46,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.005194332450628281},{"word":"any","start":1464.76,"end":1465.1599,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.001612706109881401},{"word":"kind","start":1465.1599,"end":1465.4,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.014660995453596117},{"word":"of","start":1465.4,"end":1465.7999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013906951993703842},{"word":"lending","start":1465.7999,"end":1466.2799,"confidence":0.9199219,"punctuated_word":"lending","sentiment":"neutral","sentiment_score":-0.024376023560762405},{"word":"besides","start":1466.2799,"end":1466.76,"confidence":0.98291016,"punctuated_word":"besides","sentiment":"neutral","sentiment_score":-0.02940039522945881},{"word":"just","start":1466.76,"end":1467.0,"confidence":0.88134766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03166702017188072},{"word":"when","start":1467.0,"end":1467.1599,"confidence":0.96777344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.025028062984347343},{"word":"you","start":1467.1599,"end":1467.32,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02010929025709629},{"word":"first","start":1467.32,"end":1467.5599,"confidence":0.9970703,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.02133788913488388},{"word":"bought","start":1467.5599,"end":1467.7999,"confidence":0.9921875,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.00017569959163665771},{"word":"the","start":1467.7999,"end":1467.96,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010290350764989851},{"word":"property","start":1467.96,"end":1468.46,"confidence":0.99902344,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":-0.02096052467823029},{"word":"k","start":1472.125,"end":1472.365,"confidence":0.71984863,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.0519673228263855},{"word":"i","start":1472.365,"end":1472.605,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09966745972633362},{"word":"won't","start":1472.605,"end":1473.005,"confidence":0.9645996,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.12290569394826888},{"word":"kind","start":1473.005,"end":1473.505,"confidence":0.9667969,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1685614436864853},{"word":"of","start":1473.565,"end":1473.805,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17576700448989868},{"word":"info","start":1473.805,"end":1474.285,"confidence":0.6977539,"punctuated_word":"info","sentiment":"neutral","sentiment_score":-0.1921705901622772},{"word":"dump","start":1474.285,"end":1474.445,"confidence":0.8984375,"punctuated_word":"dump","sentiment":"neutral","sentiment_score":-0.15262790024280548},{"word":"at","start":1474.445,"end":1474.605,"confidence":0.8154297,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.22982238233089447},{"word":"you","start":1474.605,"end":1474.845,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19742321968078613},{"word":"right","start":1474.845,"end":1475.005,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.15205802023410797},{"word":"now","start":1475.005,"end":1475.245,"confidence":0.9567871,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.13349588215351105},{"word":"but","start":1475.245,"end":1475.485,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07734601944684982},{"word":"the","start":1475.485,"end":1475.725,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.053859952837228775},{"word":"the","start":1475.725,"end":1475.885,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04056231305003166},{"word":"main","start":1475.885,"end":1476.125,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.052157990634441376},{"word":"thing","start":1476.125,"end":1476.365,"confidence":0.99609375,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.01312708854675293},{"word":"to","start":1476.365,"end":1476.605,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022115111351013184},{"word":"to","start":1476.605,"end":1476.845,"confidence":0.8984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02948690950870514},{"word":"remember","start":1476.845,"end":1477.345,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.049357686191797256},{"word":"is","start":1477.805,"end":1478.305,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05528269708156586},{"word":"have","start":1478.525,"end":1478.6849,"confidence":0.4970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03566217049956322},{"word":"you","start":1478.6849,"end":1478.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04454705864191055},{"word":"heard","start":1478.845,"end":1479.005,"confidence":0.99902344,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.04838172346353531},{"word":"of","start":1479.005,"end":1479.085,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027931541204452515},{"word":"the","start":1479.085,"end":1479.245,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026656456291675568},{"word":"concept","start":1479.245,"end":1479.645,"confidence":1.0,"punctuated_word":"concept","sentiment":"neutral","sentiment_score":-0.01480509340763092},{"word":"of","start":1479.645,"end":1479.805,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017542753368616104},{"word":"lvr","start":1479.805,"end":1480.305,"confidence":0.8859863,"punctuated_word":"LVR","sentiment":"neutral","sentiment_score":-0.05486137792468071},{"word":"before","start":1480.445,"end":1480.945,"confidence":0.99658203,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":-0.037523023784160614},{"word":"k","start":1483.74,"end":1483.9,"confidence":0.67700195,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.04615729674696922},{"word":"so","start":1483.9,"end":1484.14,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03469366580247879},{"word":"that's","start":1484.14,"end":1484.64,"confidence":0.9069824,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.03773314878344536},{"word":"essentially","start":1484.78,"end":1485.28,"confidence":0.609375,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.02379484474658966},{"word":"loan","start":1485.34,"end":1485.8201,"confidence":0.24060059,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.07768981158733368},{"word":"to","start":1485.8201,"end":1486.06,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.036127470433712006},{"word":"value","start":1486.06,"end":1486.56,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.06913397461175919},{"word":"ratio","start":1486.62,"end":1487.12,"confidence":0.99609375,"punctuated_word":"ratio.","sentiment":"neutral","sentiment_score":-0.03519998490810394},{"word":"so","start":1487.66,"end":1487.9,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0027810484170913696},{"word":"when","start":1487.9,"end":1488.06,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01438138261437416},{"word":"the","start":1488.06,"end":1488.22,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019848473370075222},{"word":"bank","start":1488.22,"end":1488.46,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.021062828600406647},{"word":"does","start":1488.46,"end":1488.7,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.005039796233177185},{"word":"the","start":1488.7,"end":1488.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015118911862373352},{"word":"lending","start":1488.86,"end":1489.36,"confidence":0.9921875,"punctuated_word":"lending,","sentiment":"neutral","sentiment_score":-0.0013742875307798386},{"word":"they","start":1490.06,"end":1490.22,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.017205554991960526},{"word":"go","start":1490.22,"end":1490.62,"confidence":0.84936523,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":-0.013832129538059236},{"word":"how","start":1490.62,"end":1490.78,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.03852793201804161},{"word":"much","start":1490.78,"end":1491.1,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.06441234052181244},{"word":"debt","start":1491.1,"end":1491.34,"confidence":0.99902344,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.06572382152080536},{"word":"are","start":1491.34,"end":1491.5,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07297120243310928},{"word":"we","start":1491.5,"end":1491.66,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04672369733452797},{"word":"talking","start":1491.66,"end":1492.06,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.05717727914452553},{"word":"about","start":1492.06,"end":1492.54,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.056619368493556976},{"word":"or","start":1492.54,"end":1492.78,"confidence":0.55810547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05364971607923508},{"word":"how","start":1492.78,"end":1492.9401,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.04864291846752167},{"word":"much","start":1492.9401,"end":1493.26,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.04427941516041756},{"word":"assets","start":1493.26,"end":1493.76,"confidence":0.9819336,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.04769856110215187},{"word":"that","start":1494.3,"end":1494.46,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05152836814522743},{"word":"are","start":1494.46,"end":1494.62,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04897313565015793},{"word":"being","start":1494.62,"end":1494.86,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.034744568169116974},{"word":"put","start":1494.86,"end":1495.02,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.035120926797389984},{"word":"up","start":1495.02,"end":1495.26,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.01471138745546341},{"word":"as","start":1495.26,"end":1495.42,"confidence":0.8364258,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06479424238204956},{"word":"security","start":1495.42,"end":1495.92,"confidence":0.88916016,"punctuated_word":"security?","sentiment":"neutral","sentiment_score":-0.04986049234867096},{"word":"so","start":1496.445,"end":1496.6849,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02610771730542183},{"word":"i've","start":1496.6849,"end":1497.085,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.027419602498412132},{"word":"got","start":1497.085,"end":1497.325,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.034167151898145676},{"word":"the","start":1497.325,"end":1497.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05020931363105774},{"word":"previous","start":1497.565,"end":1498.0449,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":-0.043645285069942474},{"word":"value","start":1498.0449,"end":1498.445,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.02395676076412201},{"word":"at","start":1498.445,"end":1498.605,"confidence":0.68847656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.017186373472213745},{"word":"1,500,000","start":1498.605,"end":1499.9049,"confidence":0.99786377,"punctuated_word":"1,500,000.","sentiment":"neutral","sentiment_score":-0.005674795713275671},{"word":"i","start":1500.0449,"end":1500.205,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01981426775455475},{"word":"was","start":1500.205,"end":1500.365,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.036529943346977234},{"word":"gonna","start":1500.365,"end":1500.605,"confidence":0.7602539,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.012574005872011185},{"word":"do","start":1500.605,"end":1500.6849,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0019930675625801086},{"word":"a","start":1500.6849,"end":1500.765,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00701463595032692},{"word":"bit","start":1500.765,"end":1500.9249,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.013985797762870789},{"word":"of","start":1500.9249,"end":1501.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03936125338077545},{"word":"an","start":1501.005,"end":1501.1649,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.02162429690361023},{"word":"update","start":1501.1649,"end":1501.565,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.03126486390829086},{"word":"online","start":1501.565,"end":1501.965,"confidence":0.99316406,"punctuated_word":"online","sentiment":"neutral","sentiment_score":-0.016181670129299164},{"word":"just","start":1501.965,"end":1502.205,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002314329147338867},{"word":"to","start":1502.205,"end":1502.2849,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029211945831775665},{"word":"see","start":1502.2849,"end":1502.445,"confidence":0.9941406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.0010848864912986755},{"word":"if","start":1502.445,"end":1502.5249,"confidence":0.93408203,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0008664466440677643},{"word":"that's","start":1502.5249,"end":1502.765,"confidence":0.8937988,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.027780789881944656},{"word":"jumped","start":1502.765,"end":1503.085,"confidence":0.9873047,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":-0.04054136946797371},{"word":"up","start":1503.085,"end":1503.245,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0027636289596557617},{"word":"a","start":1503.245,"end":1503.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08835850656032562},{"word":"little","start":1503.325,"end":1503.485,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.060354046523571014},{"word":"bit","start":1503.485,"end":1503.6449,"confidence":0.8395996,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.07551182061433792},{"word":"but","start":1503.6449,"end":1503.8049,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07940840721130371},{"word":"do","start":1503.8049,"end":1503.965,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07686921209096909},{"word":"you","start":1503.965,"end":1504.0449,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0881350040435791},{"word":"know","start":1504.0449,"end":1504.205,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07146655023097992},{"word":"what","start":1504.205,"end":1504.445,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06498484313488007},{"word":"the","start":1504.445,"end":1504.5249,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08183766156435013},{"word":"value","start":1504.5249,"end":1504.845,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.07464910298585892},{"word":"might","start":1504.845,"end":1505.085,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.04278702288866043},{"word":"be","start":1505.085,"end":1505.245,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07086312025785446},{"word":"right","start":1505.245,"end":1505.485,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.04693526774644852},{"word":"now","start":1505.485,"end":1505.985,"confidence":0.9995117,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.04049307480454445},{"word":"yes","start":1508.7,"end":1509.2,"confidence":0.9904785,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.042680516839027405},{"word":"yep","start":1512.86,"end":1513.36,"confidence":0.9206543,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.028127286583185196},{"word":"perfect","start":1514.94,"end":1515.34,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3673824071884155},{"word":"so","start":1515.34,"end":1515.6599,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1843537837266922},{"word":"let's","start":1515.6599,"end":1515.9,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.16560333967208862},{"word":"go","start":1515.9,"end":1516.14,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23105742037296295},{"word":"conservative","start":1516.14,"end":1516.64,"confidence":0.9970703,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":0.3057193160057068},{"word":"one","start":1516.86,"end":1517.1,"confidence":0.5625,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14803391695022583},{"word":"point","start":1517.1,"end":1517.4199,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.1204908937215805},{"word":"a","start":1517.4199,"end":1517.9199,"confidence":0.8425293,"punctuated_word":"a.","sentiment":"neutral","sentiment_score":0.14379841089248657},{"word":"when","start":1518.46,"end":1518.78,"confidence":0.9980469,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.07047800719738007},{"word":"you","start":1518.78,"end":1519.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06780374050140381},{"word":"go","start":1519.02,"end":1519.52,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.13578255474567413},{"word":"more","start":1520.0599,"end":1520.38,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1552923321723938},{"word":"debt","start":1520.38,"end":1520.88,"confidence":0.9536133,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.19236987829208377},{"word":"than","start":1520.94,"end":1521.26,"confidence":0.9970703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.17844584584236145},{"word":"80%","start":1521.26,"end":1521.9,"confidence":1.0,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":-0.1264025866985321},{"word":"of","start":1521.9,"end":1522.0599,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1530953049659729},{"word":"your","start":1522.0599,"end":1522.22,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15352562069892883},{"word":"property","start":1522.22,"end":1522.7,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.13929060101509094},{"word":"value","start":1522.7,"end":1523.2,"confidence":0.99609375,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":-0.13066339492797852},{"word":"they","start":1523.4551,"end":1523.6951,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.21591109037399292},{"word":"hit","start":1523.6951,"end":1523.775,"confidence":0.99902344,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.27740567922592163},{"word":"you","start":1523.775,"end":1524.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.27483874559402466},{"word":"with","start":1524.3351,"end":1524.655,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2408260703086853},{"word":"lmi","start":1524.655,"end":1525.155,"confidence":0.99104816,"punctuated_word":"LMI,","sentiment":"neutral","sentiment_score":-0.12287458032369614},{"word":"which","start":1525.375,"end":1525.615,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.12363272160291672},{"word":"is","start":1525.615,"end":1525.8551,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0781712681055069},{"word":"lenders","start":1525.8551,"end":1526.3351,"confidence":0.52734375,"punctuated_word":"lenders","sentiment":"neutral","sentiment_score":-0.14327751100063324},{"word":"mortgage","start":1526.3351,"end":1526.655,"confidence":0.984375,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.19742052257061005},{"word":"insurance","start":1526.655,"end":1527.135,"confidence":0.9880371,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.1458384096622467},{"word":"which","start":1527.135,"end":1527.295,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.11360135674476624},{"word":"is","start":1527.295,"end":1527.4551,"confidence":0.7373047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11358955502510072},{"word":"essentially","start":1527.4551,"end":1527.935,"confidence":0.9350586,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.1072438657283783},{"word":"just","start":1527.935,"end":1528.0951,"confidence":0.9760742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10504809021949768},{"word":"an","start":1528.0951,"end":1528.255,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.16538240015506744},{"word":"extra","start":1528.255,"end":1528.5751,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.20667313039302823},{"word":"huge","start":1528.5751,"end":1528.9751,"confidence":0.96435547,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.2844333052635193},{"word":"fee","start":1528.9751,"end":1529.4751,"confidence":0.9277344,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":-0.2508581280708313},{"word":"which","start":1529.535,"end":1530.015,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.1684461534023285},{"word":"on","start":1530.015,"end":1530.255,"confidence":0.93359375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.23464959859848025},{"word":"your","start":1530.255,"end":1530.5751,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.21574190258979797},{"word":"property","start":1530.5751,"end":1531.055,"confidence":0.9951172,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.29056426882743835},{"word":"value","start":1531.055,"end":1531.555,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.3273032307624817},{"word":"could","start":1531.935,"end":1532.175,"confidence":0.5834961,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.16239027678966522},{"word":"be","start":1532.175,"end":1532.3351,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12246488034725188},{"word":"upwards","start":1532.3351,"end":1532.8151,"confidence":0.984375,"punctuated_word":"upwards","sentiment":"neutral","sentiment_score":-0.1629353165626526},{"word":"of","start":1532.8151,"end":1533.295,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14763735234737396},{"word":"25","start":1533.295,"end":1533.935,"confidence":0.9995117,"punctuated_word":"25","sentiment":"neutral","sentiment_score":-0.13605612516403198},{"word":"to","start":1533.935,"end":1534.0951,"confidence":0.8588867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1746702641248703},{"word":"50,000","start":1534.0951,"end":1534.895,"confidence":0.9980469,"punctuated_word":"50,000","sentiment":"neutral","sentiment_score":-0.15972064435482025},{"word":"that","start":1534.895,"end":1535.055,"confidence":0.81347656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1662359982728958},{"word":"gets","start":1535.055,"end":1535.375,"confidence":0.9819336,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.1878688484430313},{"word":"tacked","start":1535.375,"end":1535.615,"confidence":0.9790039,"punctuated_word":"tacked","sentiment":"neutral","sentiment_score":-0.15836817026138306},{"word":"onto","start":1535.615,"end":1535.935,"confidence":0.8041992,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":-0.17892228066921234},{"word":"the","start":1535.935,"end":1536.0951,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14845360815525055},{"word":"loan","start":1536.0951,"end":1536.5951,"confidence":0.99902344,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.120214581489563},{"word":"if","start":1536.735,"end":1536.9751,"confidence":0.8984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1624852567911148},{"word":"you","start":1536.9751,"end":1537.135,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2166670262813568},{"word":"take","start":1537.135,"end":1537.295,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.2400682270526886},{"word":"on","start":1537.295,"end":1537.535,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2405296266078949},{"word":"that","start":1537.535,"end":1537.6951,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12981687486171722},{"word":"much","start":1537.6951,"end":1537.935,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1644192337989807},{"word":"debt","start":1537.935,"end":1538.435,"confidence":0.99853516,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":-0.1367831826210022},{"word":"if","start":1540.73,"end":1540.97,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.05038497596979141},{"word":"you","start":1540.97,"end":1541.05,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03209913522005081},{"word":"go","start":1541.05,"end":1541.29,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06787491589784622},{"word":"below","start":1541.29,"end":1541.69,"confidence":1.0,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.10625661909580232},{"word":"80%","start":1541.69,"end":1542.41,"confidence":0.9995117,"punctuated_word":"80%,","sentiment":"neutral","sentiment_score":0.09972553700208664},{"word":"you","start":1542.41,"end":1542.57,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16916200518608093},{"word":"get","start":1542.57,"end":1542.8099,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16355489194393158},{"word":"the","start":1542.8099,"end":1542.97,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1417793333530426},{"word":"better","start":1542.97,"end":1543.21,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.12077593803405762},{"word":"interest","start":1543.21,"end":1543.53,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.14353737235069275},{"word":"rates","start":1543.53,"end":1543.77,"confidence":0.86035156,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.20802949368953705},{"word":"and","start":1543.77,"end":1543.9299,"confidence":0.79541016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10835428535938264},{"word":"you","start":1543.9299,"end":1544.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19837865233421328},{"word":"get","start":1544.09,"end":1544.25,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2837071716785431},{"word":"to","start":1544.25,"end":1544.41,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1618850976228714},{"word":"avoid","start":1544.41,"end":1544.8099,"confidence":1.0,"punctuated_word":"avoid","sentiment":"neutral","sentiment_score":0.10536235570907591},{"word":"that","start":1544.8099,"end":1545.21,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03095439076423645},{"word":"huge","start":1545.21,"end":1545.69,"confidence":0.9980469,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.15619629621505737},{"word":"fee","start":1545.69,"end":1546.19,"confidence":0.9675293,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.014629095792770386},{"word":"which","start":1546.33,"end":1546.57,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1063476949930191},{"word":"essentially","start":1546.57,"end":1547.07,"confidence":0.9902344,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.10547707229852676},{"word":"means","start":1547.13,"end":1547.45,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.06805625557899475},{"word":"you","start":1547.45,"end":1547.61,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13698993623256683},{"word":"don't","start":1547.61,"end":1547.77,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.02731465175747871},{"word":"wanna","start":1547.77,"end":1548.17,"confidence":0.72802734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.05874509736895561},{"word":"go","start":1548.17,"end":1548.41,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.05801372230052948},{"word":"over","start":1548.41,"end":1548.91,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.1929696500301361},{"word":"about","start":1549.13,"end":1549.53,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07940507680177689},{"word":"1,400,000","start":1549.53,"end":1550.99,"confidence":0.99975586,"punctuated_word":"1,400,000","sentiment":"neutral","sentiment_score":-0.0032874010503292084},{"word":"worth","start":1551.05,"end":1551.37,"confidence":0.9741211,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.06890639662742615},{"word":"of","start":1551.37,"end":1551.53,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01024073362350464},{"word":"debt","start":1551.53,"end":1552.03,"confidence":1.0,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.012704089283943176},{"word":"for","start":1552.9851,"end":1553.305,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0191567987203598},{"word":"the","start":1553.305,"end":1553.545,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016252242028713226},{"word":"property","start":1553.545,"end":1554.025,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.0362623855471611},{"word":"values","start":1554.025,"end":1554.525,"confidence":0.99658203,"punctuated_word":"values.","sentiment":"neutral","sentiment_score":0.0022711455821990967},{"word":"now","start":1556.9851,"end":1557.2251,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09607810527086258},{"word":"if","start":1557.2251,"end":1557.4651,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08631456643342972},{"word":"you're","start":1557.4651,"end":1557.625,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06137373298406601},{"word":"owing","start":1557.625,"end":1557.9451,"confidence":0.9794922,"punctuated_word":"owing,","sentiment":"neutral","sentiment_score":0.018310546875},{"word":"let's","start":1557.9451,"end":1558.185,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.0545722171664238},{"word":"say","start":1558.185,"end":1558.425,"confidence":0.9550781,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.06083616986870766},{"word":"$6.90","start":1558.425,"end":1559.165,"confidence":0.9970703,"punctuated_word":"$6.90","sentiment":"neutral","sentiment_score":0.08232142776250839},{"word":"and","start":1559.2251,"end":1559.545,"confidence":0.6713867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05808985233306885},{"word":"you've","start":1559.545,"end":1559.785,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1119692474603653},{"word":"got","start":1559.785,"end":1560.025,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13923850655555725},{"word":"another","start":1560.025,"end":1560.3451,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.08083131164312363},{"word":"700,000","start":1560.3451,"end":1561.385,"confidence":1.0,"punctuated_word":"700,000","sentiment":"neutral","sentiment_score":0.11354364454746246},{"word":"of","start":1561.385,"end":1561.545,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13241808116436005},{"word":"equity","start":1561.545,"end":1562.025,"confidence":0.9453125,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.119097001850605},{"word":"sitting","start":1562.025,"end":1562.3451,"confidence":0.9980469,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.20114752650260925},{"word":"there","start":1562.3451,"end":1562.5851,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19832743704319},{"word":"that","start":1562.5851,"end":1562.7451,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16045618057250977},{"word":"you","start":1562.7451,"end":1562.905,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17155244946479797},{"word":"can","start":1562.905,"end":1563.145,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1832699328660965},{"word":"use","start":1563.145,"end":1563.645,"confidence":0.98657227,"punctuated_word":"use,","sentiment":"neutral","sentiment_score":0.15107126533985138},{"word":"you","start":1564.36,"end":1564.6,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.18395090103149417},{"word":"can","start":1564.6,"end":1564.84,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2081320732831955},{"word":"use","start":1564.84,"end":1565.34,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.23238900303840637},{"word":"a","start":1565.72,"end":1565.88,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17599694430828094},{"word":"few","start":1565.88,"end":1566.2,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.15206179022789},{"word":"100,000","start":1566.2,"end":1566.84,"confidence":0.9980469,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.24567241966724396},{"word":"of","start":1566.84,"end":1567.0,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19333314895629883},{"word":"that","start":1567.0,"end":1567.5,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16137930750846863},{"word":"as","start":1567.72,"end":1567.96,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16534742712974548},{"word":"a","start":1567.96,"end":1568.12,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1463044434785843},{"word":"deposit","start":1568.12,"end":1568.62,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.0703255757689476},{"word":"for","start":1568.84,"end":1569.08,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1237690895795822},{"word":"the","start":1569.08,"end":1569.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11528996378183363},{"word":"next","start":1569.32,"end":1569.5599,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1229158416390419},{"word":"place","start":1569.5599,"end":1570.0599,"confidence":0.9279785,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.08056247979402542},{"word":"and","start":1570.12,"end":1570.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10814500600099564},{"word":"the","start":1570.36,"end":1570.5199,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10340459644794464},{"word":"next","start":1570.5199,"end":1570.84,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08308058977127075},{"word":"place","start":1570.84,"end":1571.08,"confidence":0.99121094,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.03654123842716217},{"word":"is","start":1571.08,"end":1571.24,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04925518482923508},{"word":"probably","start":1571.24,"end":1571.5599,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.09230384230613708},{"word":"gonna","start":1571.5599,"end":1571.7999,"confidence":0.7763672,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0483769029378891},{"word":"be","start":1571.7999,"end":1572.0399,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11288265883922576},{"word":"fully","start":1572.0399,"end":1572.5199,"confidence":0.86083984,"punctuated_word":"fully,","sentiment":"neutral","sentiment_score":0.10571175813674928},{"word":"like","start":1572.5199,"end":1573.0199,"confidence":0.9650879,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05161207914352417},{"word":"full","start":1573.08,"end":1573.3999,"confidence":0.9941406,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.17491546273231506},{"word":"debt","start":1573.3999,"end":1573.8999,"confidence":0.98706055,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":0.02253621816635132},{"word":"so","start":1578.215,"end":1578.455,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07255226373672485},{"word":"i'll","start":1578.455,"end":1578.695,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07749143987894058},{"word":"give","start":1578.695,"end":1578.855,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0790480524301529},{"word":"you","start":1578.855,"end":1579.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08305154740810394},{"word":"an","start":1579.015,"end":1579.1749,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07872599363327026},{"word":"example","start":1579.1749,"end":1579.575,"confidence":1.0,"punctuated_word":"example","sentiment":"neutral","sentiment_score":0.05930360034108162},{"word":"just","start":1579.575,"end":1579.735,"confidence":0.9614258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0925447791814804},{"word":"briefly","start":1579.735,"end":1580.215,"confidence":0.984375,"punctuated_word":"briefly","sentiment":"neutral","sentiment_score":0.08905431628227234},{"word":"with","start":1580.215,"end":1580.455,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0872759073972702},{"word":"with","start":1580.455,"end":1580.615,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08521653711795807},{"word":"my","start":1580.615,"end":1580.855,"confidence":0.9550781,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13131770491600037},{"word":"property","start":1580.855,"end":1581.355,"confidence":0.99658203,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.09356316924095154},{"word":"so","start":1581.975,"end":1582.475,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08982929587364197},{"word":"i","start":1582.855,"end":1583.015,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1061759665608406},{"word":"bought","start":1583.015,"end":1583.255,"confidence":0.99316406,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.05724033713340759},{"word":"this","start":1583.255,"end":1583.735,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0391300767660141},{"word":"place","start":1583.735,"end":1584.135,"confidence":0.9921875,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.10239951312541962},{"word":"in","start":1584.135,"end":1584.635,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0961226224899292},{"word":"probably","start":1584.855,"end":1585.335,"confidence":0.8330078,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2295839935541153},{"word":"the","start":1585.335,"end":1585.735,"confidence":0.95751953,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":-0.14577528834342957},{"word":"you","start":1585.735,"end":1585.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17201176285743713},{"word":"know","start":1585.815,"end":1586.315,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.21063457429409027},{"word":"worst","start":1587.735,"end":1588.0549,"confidence":0.91015625,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.28468963503837585},{"word":"street","start":1588.0549,"end":1588.455,"confidence":0.9404297,"punctuated_word":"street,","sentiment":"neutral","sentiment_score":-0.28483307361602783},{"word":"worst","start":1588.455,"end":1588.695,"confidence":0.9941406,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.27796459197998047},{"word":"suburb","start":1588.695,"end":1589.095,"confidence":0.9838867,"punctuated_word":"suburb","sentiment":"neutral","sentiment_score":-0.22157350182533264},{"word":"as","start":1589.095,"end":1589.255,"confidence":0.7709961,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09996890276670456},{"word":"a","start":1589.255,"end":1589.4149,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09515046328306198},{"word":"starter","start":1589.4149,"end":1589.735,"confidence":0.5151367,"punctuated_word":"starter","sentiment":"neutral","sentiment_score":-0.0953250378370285},{"word":"home","start":1589.735,"end":1589.975,"confidence":0.9980469,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.0730099231004715},{"word":"many","start":1589.975,"end":1590.215,"confidence":0.98828125,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.057096995413303375},{"word":"years","start":1590.215,"end":1590.455,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.01501809060573578},{"word":"ago","start":1590.455,"end":1590.955,"confidence":0.8635254,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":-0.008259493857622147},{"word":"and","start":1591.22,"end":1591.3,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.018287818878889084},{"word":"it","start":1591.3,"end":1591.54,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03463808447122574},{"word":"went","start":1591.54,"end":1591.78,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.010002143681049349},{"word":"from","start":1591.78,"end":1592.28,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.04520293325185776},{"word":"340,000","start":1592.74,"end":1594.18,"confidence":0.99726564,"punctuated_word":"340,000","sentiment":"neutral","sentiment_score":-0.0628485158085823},{"word":"up","start":1594.18,"end":1594.42,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05383748188614845},{"word":"to","start":1594.42,"end":1594.66,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07607099413871765},{"word":"800,000","start":1594.66,"end":1595.72,"confidence":0.9694824,"punctuated_word":"800,000.","sentiment":"neutral","sentiment_score":-0.07017055153846741},{"word":"so","start":1596.5,"end":1596.66,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.001829765737056732},{"word":"we","start":1596.66,"end":1596.9,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04239162057638168},{"word":"have","start":1596.9,"end":1597.14,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0644635558128357},{"word":"that","start":1597.14,"end":1597.3,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.053171709179878235},{"word":"debt","start":1597.3,"end":1597.54,"confidence":0.98095703,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.08593782037496567},{"word":"of","start":1597.54,"end":1597.7001,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07957802712917328},{"word":"a","start":1597.7001,"end":1597.78,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06490305811166763},{"word":"couple","start":1597.78,"end":1598.02,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.06792636960744858},{"word":"of","start":1598.02,"end":1598.1,"confidence":0.87158203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04968902841210365},{"word":"$100","start":1598.1,"end":1598.92,"confidence":0.958374,"punctuated_word":"$100.","sentiment":"neutral","sentiment_score":-0.04099676385521889},{"word":"we","start":1599.38,"end":1599.88,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02851875126361847},{"word":"released","start":1599.9401,"end":1600.4401,"confidence":0.99609375,"punctuated_word":"released","sentiment":"neutral","sentiment_score":0.002203121781349182},{"word":"a","start":1600.98,"end":1601.14,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015600565820932388},{"word":"couple","start":1601.14,"end":1601.38,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.016127534210681915},{"word":"of","start":1601.38,"end":1601.54,"confidence":0.92822266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.025584958493709564},{"word":"100,000","start":1601.54,"end":1602.18,"confidence":0.99853516,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.062474362552165985},{"word":"of","start":1602.18,"end":1602.34,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030349701642990112},{"word":"equity","start":1602.34,"end":1602.84,"confidence":1.0,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.031790584325790405},{"word":"to","start":1603.14,"end":1603.3,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002443008124828338},{"word":"go","start":1603.3,"end":1603.54,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0281279981136322},{"word":"buy","start":1603.54,"end":1603.7001,"confidence":0.9301758,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.028923936188220974},{"word":"another","start":1603.7001,"end":1604.1,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.014466099441051483},{"word":"place","start":1604.1,"end":1604.34,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.0074139609932899475},{"word":"in","start":1604.34,"end":1604.58,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.000060945749282836914},{"word":"north","start":1604.58,"end":1604.8201,"confidence":0.9790039,"punctuated_word":"North","sentiment":"neutral","sentiment_score":0.004452183842658997},{"word":"queensland","start":1604.8201,"end":1605.14,"confidence":0.7919922,"punctuated_word":"Queensland,","sentiment":"neutral","sentiment_score":0.012799914926290512},{"word":"and","start":1605.14,"end":1605.3,"confidence":0.9248047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007457371801137924},{"word":"that","start":1605.3,"end":1605.46,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.005996819585561752},{"word":"was","start":1605.46,"end":1605.62,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01647993177175522},{"word":"about","start":1605.62,"end":1605.86,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.006281770765781403},{"word":"600,000","start":1605.86,"end":1606.84,"confidence":0.94677734,"punctuated_word":"600,000.","sentiment":"neutral","sentiment_score":0.013698931783437727},{"word":"so","start":1607.555,"end":1608.055,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.028993427753448486},{"word":"what","start":1608.675,"end":1608.915,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05239963158965111},{"word":"we","start":1608.915,"end":1609.075,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.028173208236694336},{"word":"ended","start":1609.075,"end":1609.395,"confidence":1.0,"punctuated_word":"ended","sentiment":"neutral","sentiment_score":0.02598116546869278},{"word":"up","start":1609.395,"end":1609.555,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.021042481064796448},{"word":"with","start":1609.555,"end":1610.055,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03308730572462082},{"word":"was","start":1610.195,"end":1610.355,"confidence":0.94189453,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.024910859763622284},{"word":"our","start":1610.355,"end":1610.515,"confidence":0.9038086,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03109084814786911},{"word":"original","start":1610.515,"end":1610.995,"confidence":0.9980469,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.0007594302296638489},{"word":"mortgage","start":1610.995,"end":1611.395,"confidence":0.99902344,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.02103414013981819},{"word":"sitting","start":1611.395,"end":1611.635,"confidence":0.9980469,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.03820808231830597},{"word":"on","start":1611.635,"end":1611.795,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.018062051385641095},{"word":"the","start":1611.795,"end":1612.035,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026906892657279968},{"word":"house","start":1612.035,"end":1612.535,"confidence":0.81591797,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":0.02396451309323311},{"word":"the","start":1612.995,"end":1613.395,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02739088609814644},{"word":"deposit","start":1613.395,"end":1613.895,"confidence":0.99902344,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.002356484532356262},{"word":"loan","start":1614.035,"end":1614.535,"confidence":0.8881836,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.00027431920170783997},{"word":"also","start":1614.915,"end":1615.395,"confidence":0.8432617,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.01577790081501007},{"word":"sitting","start":1615.395,"end":1615.635,"confidence":0.9902344,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.011531755328178406},{"word":"on","start":1615.635,"end":1615.795,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.004429936408996582},{"word":"the","start":1615.795,"end":1615.955,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004500914365053177},{"word":"house","start":1615.955,"end":1616.455,"confidence":0.9328613,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.008470699191093445},{"word":"but","start":1616.755,"end":1616.995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.00887610949575901},{"word":"that","start":1616.995,"end":1617.235,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09530070424079896},{"word":"is","start":1617.235,"end":1617.555,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.041551802307367325},{"word":"an","start":1617.555,"end":1617.795,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04611578956246376},{"word":"investment","start":1617.795,"end":1618.295,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.00017306208610534668},{"word":"loan","start":1618.355,"end":1618.755,"confidence":0.93847656,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.032758623361587524},{"word":"because","start":1618.755,"end":1619.075,"confidence":0.84472656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0746161937713623},{"word":"it's","start":1619.075,"end":1619.235,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04858794063329697},{"word":"for","start":1619.235,"end":1619.475,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02427295595407486},{"word":"investment","start":1619.475,"end":1619.975,"confidence":0.9902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0007330924272537231},{"word":"purposes","start":1620.115,"end":1620.615,"confidence":0.96118164,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.058445289731025696},{"word":"and","start":1623.52,"end":1623.76,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.039429716765880585},{"word":"then","start":1623.76,"end":1624.24,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05022799223661423},{"word":"all","start":1624.24,"end":1624.48,"confidence":0.97802734,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.033308085054159164},{"word":"of","start":1624.48,"end":1624.64,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021396853029727936},{"word":"the","start":1624.64,"end":1624.7999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0024039000272750854},{"word":"debt","start":1624.7999,"end":1625.2,"confidence":0.99121094,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.013718713074922562},{"word":"on","start":1625.2,"end":1625.36,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.009678959846496582},{"word":"the","start":1625.36,"end":1625.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01250673457980156},{"word":"investment","start":1625.52,"end":1626.02,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.006317194551229477},{"word":"property","start":1626.08,"end":1626.58,"confidence":0.97631836,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.0111702848225832},{"word":"so","start":1627.12,"end":1627.52,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06641808152198792},{"word":"three","start":1627.52,"end":1628.0,"confidence":0.9902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.08898355066776276},{"word":"loans","start":1628.0,"end":1628.5,"confidence":0.8964844,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":0.04304863139986992},{"word":"original","start":1628.5599,"end":1629.0599,"confidence":0.9970703,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.07526546716690063},{"word":"mortgage","start":1629.12,"end":1629.62,"confidence":0.99853516,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.06302259862422943},{"word":"the","start":1629.9199,"end":1630.24,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09296955913305284},{"word":"deposit","start":1630.24,"end":1630.74,"confidence":0.9626465,"punctuated_word":"deposit,","sentiment":"neutral","sentiment_score":0.04132550209760666},{"word":"and","start":1630.96,"end":1631.2,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05713704228401184},{"word":"the","start":1631.2,"end":1631.36,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07371030002832413},{"word":"investment","start":1631.36,"end":1631.76,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.024542495608329773},{"word":"loan","start":1631.76,"end":1632.0,"confidence":0.89208984,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":0.05390344560146332},{"word":"does","start":1632.0,"end":1632.24,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.10634869337081908},{"word":"that","start":1632.24,"end":1632.3999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16971758008003235},{"word":"make","start":1632.3999,"end":1632.5599,"confidence":0.9863281,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11726249009370804},{"word":"sense","start":1632.5599,"end":1632.88,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.08313338458538055},{"word":"so","start":1632.88,"end":1633.0399,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10858358442783356},{"word":"far","start":1633.0399,"end":1633.5399,"confidence":0.9980469,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.06983157992362976},{"word":"yep","start":1636.085,"end":1636.485,"confidence":0.9355469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09135042876005171},{"word":"so","start":1636.485,"end":1636.645,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07096544653177261},{"word":"then","start":1636.645,"end":1636.885,"confidence":0.81640625,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.07397949695587158},{"word":"basically","start":1636.885,"end":1637.285,"confidence":0.9890137,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.05467211455106735},{"word":"what","start":1637.285,"end":1637.525,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06943829357624054},{"word":"that","start":1637.525,"end":1637.6849,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.060195934027433395},{"word":"means","start":1637.6849,"end":1638.1849,"confidence":0.99609375,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.01270218938589096},{"word":"is","start":1638.405,"end":1638.565,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04337521269917488},{"word":"that","start":1638.565,"end":1638.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021441861987113953},{"word":"my","start":1638.885,"end":1639.0449,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0944611132144928},{"word":"repayments","start":1639.0449,"end":1639.5449,"confidence":0.98168945,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":-0.1000642105937004},{"word":"for","start":1639.6849,"end":1639.765,"confidence":0.85253906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10984941571950912},{"word":"my","start":1639.765,"end":1640.005,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07226794213056564},{"word":"home","start":1640.005,"end":1640.245,"confidence":0.7937012,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.018331702798604965},{"word":"if","start":1640.245,"end":1640.485,"confidence":0.6430664,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0018294379115104675},{"word":"i","start":1640.485,"end":1640.645,"confidence":0.8095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003678597509860992},{"word":"used","start":1640.645,"end":1640.965,"confidence":0.8701172,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.03720593452453613},{"word":"it","start":1640.965,"end":1641.365,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.007640883326530456},{"word":"for","start":1641.365,"end":1641.605,"confidence":0.79003906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.015610545873641968},{"word":"the","start":1641.605,"end":1641.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.036572568118572235},{"word":"deposit","start":1641.765,"end":1642.265,"confidence":0.99560547,"punctuated_word":"deposit,","sentiment":"neutral","sentiment_score":-0.0363500602543354},{"word":"they've","start":1642.405,"end":1642.725,"confidence":0.7871094,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.16185997426509857},{"word":"jumped","start":1642.725,"end":1642.965,"confidence":1.0,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":-0.054076217114925385},{"word":"up","start":1642.965,"end":1643.125,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.006209641695022583},{"word":"a","start":1643.125,"end":1643.285,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10231035202741624},{"word":"little","start":1643.285,"end":1643.525,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0975337252020836},{"word":"bit","start":1643.525,"end":1643.765,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14007428288459778},{"word":"because","start":1643.765,"end":1644.085,"confidence":0.93603516,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10627137124538422},{"word":"i've","start":1644.085,"end":1644.405,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.22697636485099792},{"word":"increased","start":1644.405,"end":1644.905,"confidence":0.9980469,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":-0.08169855177402496},{"word":"my","start":1644.965,"end":1645.285,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.31270554661750793},{"word":"debt","start":1645.285,"end":1645.785,"confidence":0.99902344,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.19745683670043945},{"word":"to","start":1645.9249,"end":1646.085,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23723140358924863},{"word":"finance","start":1646.085,"end":1646.565,"confidence":0.99902344,"punctuated_word":"finance","sentiment":"neutral","sentiment_score":-0.19053800404071808},{"word":"the","start":1646.565,"end":1646.725,"confidence":0.94140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20128190517425537},{"word":"next","start":1646.725,"end":1647.0449,"confidence":0.96972656,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.10443781316280364},{"word":"place","start":1647.0449,"end":1647.5449,"confidence":0.57995605,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":-0.12839855253696442},{"word":"so","start":1647.7699,"end":1647.85,"confidence":0.60839844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.020662382245063785},{"word":"that","start":1647.85,"end":1648.0099,"confidence":0.9770508,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02141844481229782},{"word":"went","start":1648.0099,"end":1648.1699,"confidence":0.9980469,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.0064933449029922485},{"word":"up","start":1648.1699,"end":1648.33,"confidence":0.98291016,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.01911725103855133},{"word":"another","start":1648.33,"end":1648.83,"confidence":0.99609375,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.07244391739368439},{"word":"150","start":1648.8899,"end":1649.61,"confidence":0.9827474,"punctuated_word":"150","sentiment":"neutral","sentiment_score":-0.1016748771071434},{"word":"a","start":1649.61,"end":1649.69,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07046050578355789},{"word":"week","start":1649.69,"end":1649.9299,"confidence":0.80859375,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.0833384096622467},{"word":"so","start":1649.9299,"end":1650.09,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.003937117755413055},{"word":"i","start":1650.09,"end":1650.1699,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.042577192187309265},{"word":"had","start":1650.1699,"end":1650.33,"confidence":0.9707031,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04004736989736557},{"word":"to","start":1650.33,"end":1650.4099,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012932293117046356},{"word":"factor","start":1650.4099,"end":1650.8099,"confidence":0.98828125,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":-0.00683160126209259},{"word":"that","start":1650.8099,"end":1650.97,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06600603461265564},{"word":"into","start":1650.97,"end":1651.2899,"confidence":0.8173828,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.03838972747325897},{"word":"the","start":1651.2899,"end":1651.37,"confidence":0.9013672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.052616022527217865},{"word":"budget","start":1651.37,"end":1651.87,"confidence":0.99316406,"punctuated_word":"budget.","sentiment":"neutral","sentiment_score":-0.04213790595531464},{"word":"and","start":1652.0099,"end":1652.1699,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.033977046608924866},{"word":"then","start":1652.1699,"end":1652.4099,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.041981641203165054},{"word":"on","start":1652.4099,"end":1652.57,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.019697796553373337},{"word":"the","start":1652.57,"end":1652.73,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027151748538017273},{"word":"second","start":1652.73,"end":1653.1299,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.017288267612457275},{"word":"hand","start":1653.1299,"end":1653.6299,"confidence":0.95410156,"punctuated_word":"hand,","sentiment":"neutral","sentiment_score":0.0268681813031435},{"word":"the","start":1654.1699,"end":1654.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023078113794326786},{"word":"rent","start":1654.49,"end":1654.8099,"confidence":0.8183594,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":-0.004960142076015472},{"word":"that","start":1654.8099,"end":1654.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007549688220024109},{"word":"i'm","start":1654.97,"end":1655.21,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.00731591647490859},{"word":"getting","start":1655.21,"end":1655.45,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.01801528036594391},{"word":"from","start":1655.45,"end":1655.69,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.008669182658195496},{"word":"the","start":1655.69,"end":1655.85,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008378364145755768},{"word":"investment","start":1655.85,"end":1656.35,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0007822886109352112},{"word":"property","start":1656.4099,"end":1656.9099,"confidence":0.99365234,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.010999269783496857},{"word":"does","start":1657.37,"end":1657.61,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.010096687823534012},{"word":"that","start":1657.61,"end":1657.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.008762575685977936},{"word":"cover","start":1657.85,"end":1658.25,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.012559108436107635},{"word":"the","start":1658.25,"end":1658.4099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01795598864555359},{"word":"loan","start":1658.4099,"end":1658.73,"confidence":0.9941406,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.02950681373476982},{"word":"on","start":1658.73,"end":1658.8899,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0164322666823864},{"word":"that","start":1658.8899,"end":1659.0499,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01109083741903305},{"word":"investment","start":1659.0499,"end":1659.5499,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.02355579286813736},{"word":"property","start":1659.61,"end":1659.9299,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.005395490676164627},{"word":"that","start":1659.9299,"end":1660.1699,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004992648959159851},{"word":"it's","start":1660.1699,"end":1660.4099,"confidence":0.76782227,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.006954373326152563},{"word":"k","start":1664.2151,"end":1664.7151,"confidence":0.77978516,"punctuated_word":"k?","sentiment":"neutral","sentiment_score":0.01244758628308773},{"word":"the","start":1664.935,"end":1665.0951,"confidence":0.9951172,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02100728079676628},{"word":"last","start":1665.0951,"end":1665.3351,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01087258756160736},{"word":"thing","start":1665.3351,"end":1665.5751,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.047139838337898254},{"word":"i","start":1665.5751,"end":1665.655,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017855800688266754},{"word":"wanna","start":1665.655,"end":1665.9751,"confidence":0.96240234,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04641686752438545},{"word":"say","start":1665.9751,"end":1666.4751,"confidence":0.99609375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.05557994544506073},{"word":"is","start":1666.535,"end":1666.8551,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.032197631895542145},{"word":"a","start":1666.8551,"end":1667.015,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06369362026453018},{"word":"good","start":1667.015,"end":1667.3351,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.09949617087841034},{"word":"kind","start":1667.3351,"end":1667.495,"confidence":0.94970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11482112854719162},{"word":"of","start":1667.495,"end":1667.655,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09934986382722856},{"word":"rule","start":1667.655,"end":1667.9751,"confidence":0.9873047,"punctuated_word":"rule","sentiment":"neutral","sentiment_score":0.13626527786254883},{"word":"of","start":1667.9751,"end":1668.055,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09759768843650818},{"word":"thumb","start":1668.055,"end":1668.555,"confidence":0.9980469,"punctuated_word":"thumb","sentiment":"neutral","sentiment_score":0.1129615381360054},{"word":"is","start":1668.8551,"end":1669.3551,"confidence":0.68408203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09702955931425096},{"word":"let's","start":1669.415,"end":1669.7351,"confidence":0.77563477,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.07076644897460938},{"word":"say","start":1669.7351,"end":1670.2351,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.04696835204958916},{"word":"you","start":1671.495,"end":1671.8151,"confidence":0.7939453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04945691302418709},{"word":"buy","start":1671.8151,"end":1672.295,"confidence":0.9951172,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.03688051551580429},{"word":"a","start":1672.295,"end":1672.795,"confidence":0.7451172,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.03641971945762634},{"word":"let's","start":1673.99,"end":1674.23,"confidence":0.99658203,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.035011909902095795},{"word":"just","start":1674.23,"end":1674.3899,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03299634903669357},{"word":"say","start":1674.3899,"end":1674.6299,"confidence":0.7702637,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.026778701692819595},{"word":"use","start":1674.6299,"end":1674.87,"confidence":0.53466797,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.04795360565185547},{"word":"an","start":1674.87,"end":1675.0299,"confidence":0.97802734,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0330440029501915},{"word":"investment","start":1675.0299,"end":1675.4299,"confidence":0.9941406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.006398245692253113},{"word":"property","start":1675.4299,"end":1675.83,"confidence":0.99316406,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.03423164784908295},{"word":"for","start":1675.83,"end":1675.99,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026258882135152817},{"word":"$800,000","start":1675.99,"end":1677.2899,"confidence":0.9969076,"punctuated_word":"$800,000","sentiment":"neutral","sentiment_score":0.030912447720766068},{"word":"as","start":1678.07,"end":1678.3099,"confidence":0.78466797,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01947127655148506},{"word":"an","start":1678.3099,"end":1678.47,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.02158917859196663},{"word":"example","start":1678.47,"end":1678.97,"confidence":0.9238281,"punctuated_word":"example.","sentiment":"neutral","sentiment_score":0.022287802770733833},{"word":"if","start":1679.9099,"end":1680.1499,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.01902918517589569},{"word":"you","start":1680.1499,"end":1680.3899,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008145064115524292},{"word":"use","start":1680.3899,"end":1680.71,"confidence":0.97314453,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.03046846389770508},{"word":"the","start":1680.71,"end":1680.87,"confidence":0.8027344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01789114624261856},{"word":"$200,000","start":1680.87,"end":1682.07,"confidence":0.9523926,"punctuated_word":"$200,000","sentiment":"neutral","sentiment_score":0.015035439282655716},{"word":"deposit","start":1682.07,"end":1682.5499,"confidence":0.99902344,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.005467444658279419},{"word":"from","start":1682.5499,"end":1682.87,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0550936758518219},{"word":"your","start":1682.87,"end":1683.0299,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05358884483575821},{"word":"main","start":1683.0299,"end":1683.35,"confidence":0.9980469,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.04462221264839173},{"word":"home","start":1683.35,"end":1683.85,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.015136189758777618},{"word":"and","start":1683.9099,"end":1684.07,"confidence":0.7050781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02250540256500244},{"word":"you","start":1684.07,"end":1684.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06786242872476578},{"word":"now","start":1684.23,"end":1684.5499,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.11198233813047408},{"word":"owe","start":1684.5499,"end":1684.95,"confidence":0.94384766,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.028963983058929443},{"word":"600,000","start":1684.95,"end":1686.09,"confidence":0.99934894,"punctuated_word":"600,000","sentiment":"neutral","sentiment_score":-0.009139138273894789},{"word":"on","start":1686.1499,"end":1686.3099,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03341878205537796},{"word":"the","start":1686.3099,"end":1686.47,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0018375292420387268},{"word":"investment","start":1686.47,"end":1686.97,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.011457681655883787},{"word":"property","start":1687.0299,"end":1687.5299,"confidence":0.98168945,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.05020424723625183},{"word":"you","start":1689.8049,"end":1690.0449,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02839481085538864},{"word":"kind","start":1690.0449,"end":1690.285,"confidence":0.9375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05765344202518463},{"word":"of","start":1690.285,"end":1690.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06606734544038773},{"word":"wanna","start":1690.445,"end":1690.6849,"confidence":0.75439453,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09038466960191728},{"word":"be","start":1690.6849,"end":1690.845,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08898761868476868},{"word":"getting","start":1690.845,"end":1691.1649,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.04927533119916916},{"word":"at","start":1691.1649,"end":1691.325,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.014022089540958405},{"word":"least","start":1691.325,"end":1691.825,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.005354799330234528},{"word":"$800","start":1691.885,"end":1692.765,"confidence":1.0,"punctuated_word":"$800","sentiment":"neutral","sentiment_score":0.028616059571504593},{"word":"a","start":1692.765,"end":1692.845,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028747808188199997},{"word":"week","start":1692.845,"end":1693.345,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.007234126329421997},{"word":"in","start":1693.645,"end":1693.885,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007632732391357422},{"word":"rent","start":1693.885,"end":1694.385,"confidence":0.9777832,"punctuated_word":"rent.","sentiment":"neutral","sentiment_score":0.005170512944459915},{"word":"so","start":1694.525,"end":1694.845,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03274035453796387},{"word":"800,000","start":1694.845,"end":1695.645,"confidence":0.9540202,"punctuated_word":"800,000,","sentiment":"neutral","sentiment_score":0.03209347277879715},{"word":"800","start":1695.645,"end":1696.0449,"confidence":1.0,"punctuated_word":"800","sentiment":"neutral","sentiment_score":0.027651634067296985},{"word":"a","start":1696.0449,"end":1696.205,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03059130162000656},{"word":"week","start":1696.205,"end":1696.445,"confidence":0.89746094,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.02542874403297901},{"word":"900,900","start":1696.445,"end":1697.885,"confidence":0.9915527,"punctuated_word":"900,900","sentiment":"neutral","sentiment_score":0.03889185190200806},{"word":"a","start":1697.885,"end":1697.965,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01854424923658371},{"word":"week","start":1697.965,"end":1698.465,"confidence":0.99072266,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.022406499832868576},{"word":"what","start":1700.4299,"end":1700.6699,"confidence":0.9980469,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.16108348965644836},{"word":"that","start":1700.6699,"end":1700.83,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16605523228645325},{"word":"basically","start":1700.83,"end":1701.33,"confidence":0.77001953,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.13672880828380585},{"word":"does","start":1701.47,"end":1701.97,"confidence":0.9926758,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":0.17307338118553162},{"word":"it","start":1702.2699,"end":1702.4299,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18600580096244812},{"word":"means","start":1702.4299,"end":1702.75,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.12905581295490265},{"word":"you're","start":1702.75,"end":1702.9099,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19530555605888367},{"word":"getting","start":1702.9099,"end":1703.1499,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.21117432415485385},{"word":"a","start":1703.1499,"end":1703.3099,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2168133556842804},{"word":"5%","start":1703.3099,"end":1703.95,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.2535971403121948},{"word":"rental","start":1703.95,"end":1704.35,"confidence":1.0,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.11346204578876495},{"word":"return","start":1704.35,"end":1704.85,"confidence":0.9980469,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.21380452811717987},{"word":"on","start":1705.6299,"end":1705.7899,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2063939273357391},{"word":"the","start":1705.7899,"end":1705.95,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15217506885528564},{"word":"value","start":1705.95,"end":1706.35,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.12584704160690308},{"word":"of","start":1706.35,"end":1706.5099,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1587703973054886},{"word":"the","start":1706.5099,"end":1706.6699,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12508630752563477},{"word":"whole","start":1706.6699,"end":1707.1499,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.04605310410261154},{"word":"property","start":1707.1499,"end":1707.6499,"confidence":0.9904785,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.10622963309288024},{"word":"and","start":1710.75,"end":1710.99,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11512038856744766},{"word":"because","start":1710.99,"end":1711.3899,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11609172075986862},{"word":"the","start":1711.3899,"end":1711.5499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12320485711097716},{"word":"loan","start":1711.5499,"end":1711.7899,"confidence":1.0,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.07915621995925903},{"word":"is","start":1711.7899,"end":1711.95,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11004339158535004},{"word":"only","start":1711.95,"end":1712.19,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.12404559552669524},{"word":"600,000","start":1712.19,"end":1713.1499,"confidence":0.9996745,"punctuated_word":"600,000","sentiment":"neutral","sentiment_score":0.10660816729068756},{"word":"on","start":1713.1499,"end":1713.3099,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13370859622955322},{"word":"that","start":1713.3099,"end":1713.5499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12421402335166933},{"word":"side","start":1713.5499,"end":1714.0499,"confidence":0.99609375,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":0.10681425034999847},{"word":"the","start":1714.645,"end":1714.725,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07973567396402359},{"word":"800","start":1714.725,"end":1715.285,"confidence":0.9995117,"punctuated_word":"800","sentiment":"neutral","sentiment_score":0.13992485404014587},{"word":"a","start":1715.285,"end":1715.445,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22016707062721252},{"word":"week","start":1715.445,"end":1715.765,"confidence":0.9902344,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.19304227828979492},{"word":"should","start":1715.765,"end":1716.085,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2138262391090393},{"word":"be","start":1716.085,"end":1716.165,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18279612064361572},{"word":"able","start":1716.165,"end":1716.405,"confidence":0.9086914,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.15697172284126282},{"word":"to","start":1716.405,"end":1716.485,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1392594277858734},{"word":"cover","start":1716.485,"end":1716.805,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1399412900209427},{"word":"the","start":1716.805,"end":1717.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10281939059495926},{"word":"loan","start":1717.045,"end":1717.545,"confidence":0.9470215,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.05995521694421768},{"word":"the","start":1718.005,"end":1718.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016184810549020767},{"word":"agent's","start":1718.245,"end":1718.725,"confidence":0.7487793,"punctuated_word":"agent's","sentiment":"neutral","sentiment_score":0.020438499748706818},{"word":"fees","start":1718.725,"end":1719.225,"confidence":0.9777832,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.010397542268037796},{"word":"the","start":1719.765,"end":1720.005,"confidence":0.8730469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.000521346926689148},{"word":"insurances","start":1720.005,"end":1720.505,"confidence":0.9428711,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.0019636887591332197},{"word":"and","start":1720.645,"end":1720.885,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013108862563967705},{"word":"so","start":1720.885,"end":1721.045,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0220714770257473},{"word":"on","start":1721.045,"end":1721.545,"confidence":0.9980469,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.0188324972987175},{"word":"for","start":1736.98,"end":1737.14,"confidence":0.37426758,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.004323749803006649},{"word":"that","start":1737.14,"end":1737.3,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008087380789220333},{"word":"deposit","start":1737.3,"end":1737.8,"confidence":0.96240234,"punctuated_word":"deposit.","sentiment":"neutral","sentiment_score":0.0010550851002335548},{"word":"yep","start":1740.9249,"end":1741.4249,"confidence":0.89941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09390610456466676},{"word":"exactly","start":1741.8049,"end":1742.3049,"confidence":0.9970703,"punctuated_word":"Exactly","sentiment":"neutral","sentiment_score":0.12760519981384277},{"word":"right","start":1742.365,"end":1742.865,"confidence":0.8952637,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.08408378064632416},{"word":"the","start":1743.005,"end":1743.325,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03230012208223343},{"word":"other","start":1743.325,"end":1743.565,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.010052412748336792},{"word":"thing","start":1743.565,"end":1743.725,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.021435730159282684},{"word":"is","start":1743.725,"end":1743.885,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02059946209192276},{"word":"obviously","start":1743.885,"end":1744.2849,"confidence":0.7919922,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.01182388886809349},{"word":"consider","start":1744.2849,"end":1744.6849,"confidence":0.7973633,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.0384223535656929},{"word":"things","start":1744.6849,"end":1745.005,"confidence":0.9902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.050858382135629654},{"word":"like","start":1745.005,"end":1745.325,"confidence":0.9482422,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04963797330856323},{"word":"like","start":1745.325,"end":1745.825,"confidence":0.5385742,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.031417615711688995},{"word":"repairs","start":1746.445,"end":1746.945,"confidence":0.76831055,"punctuated_word":"repairs,","sentiment":"neutral","sentiment_score":-0.031518224626779556},{"word":"vacancy","start":1747.485,"end":1747.985,"confidence":0.9284668,"punctuated_word":"vacancy,","sentiment":"neutral","sentiment_score":-0.0332249253988266},{"word":"and","start":1748.0449,"end":1748.205,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03868480771780014},{"word":"all","start":1748.205,"end":1748.2849,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03497329354286194},{"word":"that","start":1748.2849,"end":1748.525,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03181423991918564},{"word":"kind","start":1748.525,"end":1748.765,"confidence":0.9658203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.03347661346197128},{"word":"of","start":1748.765,"end":1748.845,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.020076889544725415},{"word":"thing","start":1748.845,"end":1749.085,"confidence":0.93359375,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.021528834477066994},{"word":"so","start":1749.085,"end":1749.405,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03018873557448387},{"word":"anything","start":1749.405,"end":1749.725,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.05804717540740967},{"word":"above","start":1749.725,"end":1750.205,"confidence":0.99902344,"punctuated_word":"above","sentiment":"neutral","sentiment_score":-0.15189075469970703},{"word":"that","start":1750.205,"end":1750.6849,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.031098388135433197},{"word":"800,800","start":1750.6849,"end":1752.0449,"confidence":0.80078125,"punctuated_word":"800,800","sentiment":"neutral","sentiment_score":-0.04549121856689453},{"word":"a","start":1752.0449,"end":1752.125,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013811130076646805},{"word":"week","start":1752.125,"end":1752.51,"confidence":0.92749023,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.0314391553401947},{"word":"that","start":1752.59,"end":1752.91,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03568840026855469},{"word":"pushes","start":1752.91,"end":1753.15,"confidence":1.0,"punctuated_word":"pushes","sentiment":"neutral","sentiment_score":-0.01024291943758726},{"word":"you","start":1753.15,"end":1753.39,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04798222333192825},{"word":"more","start":1753.39,"end":1753.63,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.025984421372413635},{"word":"into","start":1753.63,"end":1753.79,"confidence":0.99121094,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.024626724421977997},{"word":"the","start":1753.79,"end":1754.03,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034236662089824677},{"word":"positively","start":1754.03,"end":1754.53,"confidence":0.9873047,"punctuated_word":"positively","sentiment":"neutral","sentiment_score":0.07108939439058304},{"word":"geared","start":1754.59,"end":1755.09,"confidence":0.94799805,"punctuated_word":"geared.","sentiment":"neutral","sentiment_score":0.012346173636615276},{"word":"if","start":1755.47,"end":1755.71,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.1745057851076126},{"word":"you're","start":1755.71,"end":1756.03,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.17718690633773804},{"word":"getting","start":1756.03,"end":1756.51,"confidence":0.9970703,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.20696942508220673},{"word":"below","start":1756.51,"end":1757.01,"confidence":0.9980469,"punctuated_word":"below","sentiment":"neutral","sentiment_score":-0.31381556391716003},{"word":"that","start":1757.0701,"end":1757.47,"confidence":0.99853516,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.2641902565956116},{"word":"you're","start":1757.47,"end":1757.71,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.28117284178733826},{"word":"gonna","start":1757.71,"end":1757.95,"confidence":0.8886719,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2472229301929474},{"word":"be","start":1757.95,"end":1758.11,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2946055829524994},{"word":"hitting","start":1758.11,"end":1758.43,"confidence":0.8730469,"punctuated_word":"hitting","sentiment":"neutral","sentiment_score":-0.29915162920951843},{"word":"negative","start":1758.43,"end":1758.83,"confidence":0.9970703,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.2954675555229187},{"word":"gearing","start":1758.83,"end":1759.33,"confidence":0.8972168,"punctuated_word":"gearing.","sentiment":"neutral","sentiment_score":-0.291174978017807},{"word":"and","start":1759.63,"end":1759.87,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09042885154485704},{"word":"unless","start":1759.87,"end":1760.27,"confidence":0.9980469,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.07688169181346893},{"word":"it's","start":1760.27,"end":1760.51,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10895657539367676},{"word":"a","start":1760.51,"end":1760.67,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1003848761320114},{"word":"new","start":1760.67,"end":1760.91,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.09427358955144882},{"word":"property","start":1760.91,"end":1761.31,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.15488210320472717},{"word":"because","start":1761.31,"end":1761.71,"confidence":0.6904297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.063687264919281},{"word":"of","start":1761.71,"end":1761.87,"confidence":0.7783203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07284922152757645},{"word":"the","start":1761.87,"end":1761.95,"confidence":0.4597168,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07514402270317078},{"word":"new","start":1761.95,"end":1762.11,"confidence":0.67529297,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.07042857259511948},{"word":"changes","start":1762.11,"end":1762.51,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.06992726027965546},{"word":"that","start":1762.51,"end":1762.67,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08021637797355652},{"word":"are","start":1762.67,"end":1762.83,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06559973210096359},{"word":"gonna","start":1762.83,"end":1763.0701,"confidence":0.9716797,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08411163091659546},{"word":"come","start":1763.0701,"end":1763.31,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.06817204505205154},{"word":"through","start":1763.31,"end":1763.81,"confidence":0.99658203,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.08267037570476532},{"word":"you're","start":1763.87,"end":1764.11,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.11031000316143036},{"word":"not","start":1764.11,"end":1764.27,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13368719816207886},{"word":"gonna","start":1764.27,"end":1764.43,"confidence":0.96240234,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1322811394929886},{"word":"be","start":1764.43,"end":1764.59,"confidence":0.85595703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1571926474571228},{"word":"able","start":1764.59,"end":1764.6699,"confidence":0.9526367,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.14426711201667786},{"word":"to","start":1764.6699,"end":1764.75,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16672267019748688},{"word":"claim","start":1764.75,"end":1764.99,"confidence":0.9941406,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.11496087908744812},{"word":"it","start":1764.99,"end":1765.15,"confidence":0.97509766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15726882219314575},{"word":"on","start":1765.15,"end":1765.23,"confidence":0.890625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.16176602244377136},{"word":"your","start":1765.23,"end":1765.47,"confidence":0.80371094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1975160539150238},{"word":"tax","start":1765.47,"end":1765.935,"confidence":0.9855957,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.08858755975961685},{"word":"so","start":1769.935,"end":1770.415,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.44588181376457214},{"word":"newly","start":1770.415,"end":1770.8151,"confidence":0.99609375,"punctuated_word":"newly","sentiment":"positive","sentiment_score":0.4255666136741638},{"word":"built","start":1770.8151,"end":1771.295,"confidence":0.9951172,"punctuated_word":"built","sentiment":"positive","sentiment_score":0.5262874364852905},{"word":"or","start":1771.295,"end":1771.4551,"confidence":0.9375,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.5598111748695374},{"word":"one","start":1771.4551,"end":1771.6151,"confidence":0.9970703,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5206616520881653},{"word":"that","start":1771.6151,"end":1771.775,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4946643114089966},{"word":"you","start":1771.775,"end":1772.015,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5344998240470886},{"word":"build","start":1772.015,"end":1772.3351,"confidence":0.8605957,"punctuated_word":"build,","sentiment":"positive","sentiment_score":0.4069938063621521},{"word":"that's","start":1772.3351,"end":1772.655,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6140010952949524},{"word":"great","start":1772.655,"end":1773.155,"confidence":0.8659668,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5381414890289307},{"word":"but","start":1773.775,"end":1774.015,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.031311772763729095},{"word":"then","start":1774.015,"end":1774.4951,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.01919557899236679},{"word":"just","start":1774.4951,"end":1774.7351,"confidence":0.95947266,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.019412580877542496},{"word":"you","start":1774.7351,"end":1774.8151,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019294343888759613},{"word":"know","start":1774.8151,"end":1775.055,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03624123334884643},{"word":"double","start":1775.055,"end":1775.375,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.05765955522656441},{"word":"check","start":1775.375,"end":1775.6151,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.02532628178596497},{"word":"with","start":1775.6151,"end":1775.775,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.048487454652786255},{"word":"your","start":1775.775,"end":1775.935,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04495735466480255},{"word":"accountant","start":1775.935,"end":1776.415,"confidence":0.9892578,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":-0.017346248030662537},{"word":"about","start":1776.415,"end":1776.915,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06867281347513199},{"word":"what","start":1776.9751,"end":1777.135,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04446325823664665},{"word":"that's","start":1777.135,"end":1777.375,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.044964469969272614},{"word":"gonna","start":1777.375,"end":1777.6951,"confidence":0.98095703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.05134733766317368},{"word":"look","start":1777.6951,"end":1777.8551,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03646760806441307},{"word":"like","start":1777.8551,"end":1778.175,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04881151393055916},{"word":"while","start":1778.175,"end":1778.415,"confidence":0.9980469,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.053575027734041214},{"word":"it's","start":1778.415,"end":1778.655,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03370417654514313},{"word":"being","start":1778.655,"end":1778.9751,"confidence":0.9790039,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.04094095900654793},{"word":"built","start":1778.9751,"end":1779.4751,"confidence":0.9807129,"punctuated_word":"built.","sentiment":"neutral","sentiment_score":-0.02750350348651409},{"word":"but","start":1779.84,"end":1780.08,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04529300332069397},{"word":"generally","start":1780.08,"end":1780.5599,"confidence":0.6430664,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.07014662027359009},{"word":"speaking","start":1780.5599,"end":1781.0599,"confidence":0.9980469,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":-0.0461852066218853},{"word":"if","start":1781.52,"end":1781.6799,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.042495593428611755},{"word":"you","start":1781.6799,"end":1781.84,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03861600160598755},{"word":"can","start":1781.84,"end":1782.08,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.05052546411752701},{"word":"get","start":1782.08,"end":1782.4,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.05966217443346977},{"word":"that","start":1782.4,"end":1782.5599,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.026167750358581543},{"word":"amount","start":1782.5599,"end":1782.88,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.05928524956107139},{"word":"of","start":1782.88,"end":1783.0399,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06098845228552818},{"word":"rent","start":1783.0399,"end":1783.36,"confidence":0.99902344,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":-0.06529062986373901},{"word":"for","start":1783.36,"end":1783.52,"confidence":0.92578125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.046755820512771606},{"word":"that","start":1783.52,"end":1783.6799,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.037825725972652435},{"word":"amount","start":1783.6799,"end":1783.9199,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.050908684730529785},{"word":"of","start":1783.9199,"end":1784.08,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.045252833515405655},{"word":"property","start":1784.08,"end":1784.58,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.0639515221118927},{"word":"and","start":1784.72,"end":1784.96,"confidence":0.9116211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06324142217636108},{"word":"keep","start":1784.96,"end":1785.2,"confidence":0.99316406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.06787919998168945},{"word":"it","start":1785.2,"end":1785.44,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04956941306591034},{"word":"either","start":1785.44,"end":1785.76,"confidence":0.99609375,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.08561466634273529},{"word":"just","start":1785.76,"end":1786.08,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06818575412034988},{"word":"negatively","start":1786.08,"end":1786.58,"confidence":0.9863281,"punctuated_word":"negatively","sentiment":"neutral","sentiment_score":-0.07885517179965973},{"word":"geared","start":1786.64,"end":1787.0399,"confidence":0.8581543,"punctuated_word":"geared,","sentiment":"neutral","sentiment_score":-0.0804629996418953},{"word":"then","start":1787.0399,"end":1787.2,"confidence":0.53466797,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07703951001167297},{"word":"you","start":1787.2,"end":1787.28,"confidence":0.8510742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05828949064016342},{"word":"don't","start":1787.28,"end":1787.52,"confidence":0.9863281,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06455372273921967},{"word":"have","start":1787.52,"end":1787.6799,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09161566197872162},{"word":"to","start":1787.6799,"end":1787.76,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0690913274884224},{"word":"put","start":1787.76,"end":1788.08,"confidence":0.5058594,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.13923516869544983},{"word":"too","start":1788.08,"end":1788.24,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.1647697538137436},{"word":"much","start":1788.24,"end":1788.4,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1669921725988388},{"word":"of","start":1788.4,"end":1788.5599,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13969647884368896},{"word":"a","start":1788.5599,"end":1788.64,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1697685271501541},{"word":"bill","start":1788.64,"end":1789.14,"confidence":0.8005371,"punctuated_word":"bill,","sentiment":"neutral","sentiment_score":-0.15084609389305115},{"word":"or","start":1790.24,"end":1790.64,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16648392379283905},{"word":"positively","start":1790.64,"end":1791.12,"confidence":0.9707031,"punctuated_word":"positively","sentiment":"neutral","sentiment_score":-0.052996210753917694},{"word":"geared","start":1791.12,"end":1791.52,"confidence":0.9748535,"punctuated_word":"geared,","sentiment":"neutral","sentiment_score":-0.07501861453056335},{"word":"you","start":1791.52,"end":1791.6799,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15476760268211365},{"word":"should","start":1791.6799,"end":1791.84,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.16441434621810913},{"word":"be","start":1791.84,"end":1792.08,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1625463366508484},{"word":"okay","start":1792.08,"end":1792.58,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.20764684677124023},{"word":"anything","start":1793.025,"end":1793.265,"confidence":1.0,"punctuated_word":"Anything","sentiment":"negative","sentiment_score":-0.4336763620376587},{"word":"worse","start":1793.265,"end":1793.665,"confidence":0.9951172,"punctuated_word":"worse","sentiment":"negative","sentiment_score":-0.4775480926036834},{"word":"than","start":1793.665,"end":1793.905,"confidence":1.0,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.4642538130283356},{"word":"that","start":1793.905,"end":1794.385,"confidence":0.99658203,"punctuated_word":"that,","sentiment":"negative","sentiment_score":-0.43917566537857056},{"word":"you're","start":1794.385,"end":1794.625,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.4706109762191773},{"word":"gonna","start":1794.625,"end":1794.865,"confidence":0.89501953,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4478324055671692},{"word":"give","start":1794.865,"end":1795.025,"confidence":0.9970703,"punctuated_word":"give","sentiment":"negative","sentiment_score":-0.5881715416908264},{"word":"yourself","start":1795.025,"end":1795.3451,"confidence":1.0,"punctuated_word":"yourself","sentiment":"negative","sentiment_score":-0.5887883305549622},{"word":"a","start":1795.3451,"end":1795.425,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4819034934043884},{"word":"lot","start":1795.425,"end":1795.665,"confidence":0.98828125,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.5002296566963196},{"word":"of","start":1795.665,"end":1795.745,"confidence":0.9921875,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4848322868347168},{"word":"grief","start":1795.745,"end":1795.985,"confidence":0.9116211,"punctuated_word":"grief","sentiment":"negative","sentiment_score":-0.4897051751613617},{"word":"for","start":1795.985,"end":1796.145,"confidence":0.99902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.39948686957359314},{"word":"about","start":1796.145,"end":1796.385,"confidence":0.9980469,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.4409639537334442},{"word":"three","start":1796.385,"end":1796.7051,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.1916697174310684},{"word":"to","start":1796.7051,"end":1796.785,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25852736830711365},{"word":"five","start":1796.785,"end":1797.025,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.20159852504730225},{"word":"years","start":1797.025,"end":1797.3451,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.17137475311756134},{"word":"before","start":1797.3451,"end":1797.5051,"confidence":0.9970703,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.22128187119960785},{"word":"it","start":1797.5051,"end":1797.665,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21891170740127563},{"word":"does","start":1797.665,"end":1797.905,"confidence":0.9658203,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.29490596055984497},{"word":"anything","start":1797.905,"end":1798.405,"confidence":0.99316406,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.2415355443954468},{"word":"k","start":1802.0651,"end":1802.545,"confidence":0.7631836,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":-0.0546320341527462},{"word":"so","start":1802.545,"end":1803.025,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.076631560921669},{"word":"i've","start":1803.025,"end":1803.185,"confidence":0.8925781,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10454466193914412},{"word":"kind","start":1803.185,"end":1803.425,"confidence":0.95947266,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.117483451962471},{"word":"of","start":1803.425,"end":1803.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11583420634269714},{"word":"just","start":1803.505,"end":1803.745,"confidence":0.97998047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1302119940519333},{"word":"dumped","start":1803.745,"end":1803.985,"confidence":0.7163086,"punctuated_word":"dumped","sentiment":"neutral","sentiment_score":-0.10204268991947174},{"word":"about","start":1803.985,"end":1804.225,"confidence":0.99121094,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0982809066772461},{"word":"six","start":1804.225,"end":1804.385,"confidence":0.9326172,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.09145154058933258},{"word":"things","start":1804.385,"end":1804.625,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.11434008181095125},{"word":"at","start":1804.625,"end":1804.785,"confidence":0.82666016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10088525712490082},{"word":"you","start":1804.785,"end":1804.9451,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08898334950208664},{"word":"on","start":1804.9451,"end":1805.105,"confidence":0.7626953,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06130553409457207},{"word":"one","start":1805.105,"end":1805.3451,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03562357649207115},{"word":"go","start":1805.3451,"end":1805.505,"confidence":0.9733887,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":-0.04081229120492935},{"word":"but","start":1805.505,"end":1805.745,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.021348807960748672},{"word":"i","start":1805.745,"end":1805.905,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04857617989182472},{"word":"just","start":1805.905,"end":1806.0651,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.033719561994075775},{"word":"wanted","start":1806.0651,"end":1806.305,"confidence":0.9741211,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.03737135976552963},{"word":"to","start":1806.305,"end":1806.4651,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014120735228061676},{"word":"give","start":1806.4651,"end":1806.625,"confidence":0.99316406,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.001449793577194214},{"word":"you","start":1806.625,"end":1806.7051,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0016071274876594543},{"word":"that","start":1806.7051,"end":1806.9451,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.028448432683944706},{"word":"idea","start":1806.9451,"end":1807.265,"confidence":0.9980469,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.01992090046405792},{"word":"of","start":1807.265,"end":1807.765,"confidence":0.9453125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029640935361385345},{"word":"you","start":1807.97,"end":1808.13,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02862576395273209},{"word":"go","start":1808.13,"end":1808.29,"confidence":0.92822266,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.038735803216695786},{"word":"to","start":1808.29,"end":1808.4501,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03778483346104622},{"word":"the","start":1808.4501,"end":1808.77,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0007117912173271179},{"word":"lenders","start":1808.77,"end":1809.09,"confidence":0.99609375,"punctuated_word":"lenders","sentiment":"neutral","sentiment_score":-0.01502782106399536},{"word":"in","start":1809.09,"end":1809.25,"confidence":0.8535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0012724623084068298},{"word":"the","start":1809.25,"end":1809.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008693590760231018},{"word":"bank","start":1809.41,"end":1809.5701,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.01748514175415039},{"word":"or","start":1809.5701,"end":1809.73,"confidence":0.9838867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.003722600638866425},{"word":"the","start":1809.73,"end":1809.89,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008968181908130646},{"word":"broker","start":1809.89,"end":1810.39,"confidence":0.7409668,"punctuated_word":"broker,","sentiment":"neutral","sentiment_score":-0.0059012118726968765},{"word":"you","start":1810.4501,"end":1810.6901,"confidence":0.9428711,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01148030161857605},{"word":"figure","start":1810.6901,"end":1810.93,"confidence":0.9951172,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.007939636707305908},{"word":"out","start":1810.93,"end":1811.09,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.004807077348232269},{"word":"your","start":1811.09,"end":1811.25,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03453896939754486},{"word":"80%","start":1811.25,"end":1812.0701,"confidence":0.9871826,"punctuated_word":"80%,","sentiment":"neutral","sentiment_score":-0.013613536022603512},{"word":"find","start":1812.61,"end":1812.85,"confidence":0.99121094,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.005119182169437408},{"word":"the","start":1812.85,"end":1813.09,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012940730899572372},{"word":"property","start":1813.09,"end":1813.59,"confidence":0.91552734,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.0030347350984811783},{"word":"what","start":1813.73,"end":1813.97,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.003886021673679352},{"word":"does","start":1813.97,"end":1814.13,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.02478298544883728},{"word":"it","start":1814.13,"end":1814.29,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.018094398081302643},{"word":"rent","start":1814.29,"end":1814.6901,"confidence":0.9892578,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":-0.03700009360909462},{"word":"for","start":1814.6901,"end":1815.1901,"confidence":0.9863281,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.04529988765716553},{"word":"have","start":1815.65,"end":1815.81,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02845967933535576},{"word":"a","start":1815.81,"end":1815.89,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03281545266509056},{"word":"bit","start":1815.89,"end":1816.05,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03190620616078377},{"word":"of","start":1816.05,"end":1816.21,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0493285171687603},{"word":"a","start":1816.21,"end":1816.53,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04297677427530289},{"word":"calculation","start":1816.53,"end":1817.03,"confidence":1.0,"punctuated_word":"calculation","sentiment":"neutral","sentiment_score":-0.039357688277959824},{"word":"on","start":1817.17,"end":1817.67,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05209280923008919},{"word":"how","start":1818.05,"end":1818.29,"confidence":0.9614258,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.04764882847666741},{"word":"negatively","start":1818.29,"end":1818.79,"confidence":0.99316406,"punctuated_word":"negatively","sentiment":"neutral","sentiment_score":-0.07929196953773499},{"word":"or","start":1818.85,"end":1819.01,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1072908341884613},{"word":"positively","start":1819.01,"end":1819.49,"confidence":0.56689453,"punctuated_word":"positively","sentiment":"neutral","sentiment_score":-0.07555588334798813},{"word":"geared","start":1819.49,"end":1819.81,"confidence":0.93847656,"punctuated_word":"geared","sentiment":"neutral","sentiment_score":-0.06482886523008347},{"word":"it","start":1819.81,"end":1819.89,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09460186213254929},{"word":"might","start":1819.89,"end":1820.13,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.08917145431041718},{"word":"be","start":1820.13,"end":1820.625,"confidence":0.76342773,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.10028362274169922},{"word":"and","start":1820.705,"end":1820.865,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08132775127887726},{"word":"what","start":1820.865,"end":1821.105,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10378746688365936},{"word":"that","start":1821.105,"end":1821.345,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1163838729262352},{"word":"might","start":1821.345,"end":1821.585,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10092395544052124},{"word":"do","start":1821.585,"end":1821.825,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12388136237859726},{"word":"to","start":1821.825,"end":1822.065,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16710415482521057},{"word":"your","start":1822.065,"end":1822.545,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14555352926254272},{"word":"your","start":1822.545,"end":1822.785,"confidence":0.9536133,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12573544681072235},{"word":"family","start":1822.785,"end":1823.185,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.12089786678552628},{"word":"budget","start":1823.185,"end":1823.685,"confidence":0.9970703,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":-0.09579255431890488},{"word":"to","start":1824.865,"end":1825.025,"confidence":0.9482422,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010081734508275986},{"word":"borrow","start":1825.025,"end":1825.425,"confidence":0.9921875,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":-0.0032793208956718445},{"word":"to","start":1825.425,"end":1825.585,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05077540874481201},{"word":"get","start":1825.585,"end":1825.825,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04920633137226105},{"word":"that","start":1825.825,"end":1826.325,"confidence":0.98706055,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.04912149906158447},{"word":"okay","start":1827.025,"end":1827.525,"confidence":0.99121094,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.04503589868545532},{"word":"now","start":1829.025,"end":1829.525,"confidence":0.5151367,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06666162610054016},{"word":"outside","start":1829.585,"end":1829.985,"confidence":0.7739258,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.049435440450906754},{"word":"of","start":1829.985,"end":1830.065,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.050841037184000015},{"word":"that","start":1830.065,"end":1830.225,"confidence":0.99658203,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.05007239431142807},{"word":"if","start":1830.225,"end":1830.385,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07933462411165237},{"word":"you","start":1830.385,"end":1830.465,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06873130798339844},{"word":"ever","start":1830.465,"end":1830.705,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.07408155500888824},{"word":"need","start":1830.705,"end":1830.865,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.041517533361911774},{"word":"a","start":1830.865,"end":1831.025,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02910432033240795},{"word":"broker","start":1831.025,"end":1831.525,"confidence":0.9975586,"punctuated_word":"broker,","sentiment":"neutral","sentiment_score":0.03846367448568344},{"word":"buyer's","start":1831.665,"end":1832.065,"confidence":0.9692383,"punctuated_word":"buyer's","sentiment":"neutral","sentiment_score":0.057053860276937485},{"word":"agent","start":1832.065,"end":1832.565,"confidence":0.9995117,"punctuated_word":"agent,","sentiment":"neutral","sentiment_score":0.05947644263505936},{"word":"whatever","start":1833.0599,"end":1833.2999,"confidence":1.0,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.06788654625415802},{"word":"you","start":1833.2999,"end":1833.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07678858190774918},{"word":"need","start":1833.38,"end":1833.7,"confidence":0.94799805,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":0.06229517608880997},{"word":"like","start":1833.7,"end":1833.86,"confidence":0.9291992,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06010834872722626},{"word":"we've","start":1833.86,"end":1834.1,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.11126017570495604},{"word":"obviously","start":1834.1,"end":1834.4199,"confidence":0.9902344,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.08028712123632431},{"word":"got","start":1834.4199,"end":1834.58,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0941656231880188},{"word":"a","start":1834.58,"end":1834.6599,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08838953822851181},{"word":"network","start":1834.6599,"end":1835.0599,"confidence":1.0,"punctuated_word":"network","sentiment":"neutral","sentiment_score":0.11113853752613068},{"word":"of","start":1835.0599,"end":1835.22,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09605897963047028},{"word":"people","start":1835.22,"end":1835.5399,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.1323326826095581},{"word":"across","start":1835.5399,"end":1835.86,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.07918449491262436},{"word":"the","start":1835.86,"end":1836.0199,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06555616110563278},{"word":"country","start":1836.0199,"end":1836.5199,"confidence":0.90625,"punctuated_word":"country,","sentiment":"neutral","sentiment_score":0.08503207564353943},{"word":"just","start":1836.82,"end":1837.0599,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05526994168758392},{"word":"let","start":1837.0599,"end":1837.22,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.15527677536010742},{"word":"me","start":1837.22,"end":1837.38,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15554994344711304},{"word":"know","start":1837.38,"end":1837.62,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.19312936067581177},{"word":"and","start":1837.62,"end":1837.7799,"confidence":0.5913086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.157623752951622},{"word":"i","start":1837.7799,"end":1837.86,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1892542988061905},{"word":"can","start":1837.86,"end":1838.0199,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1943794786930084},{"word":"get","start":1838.0199,"end":1838.1799,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2129005789756775},{"word":"you","start":1838.1799,"end":1838.34,"confidence":0.9448242,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1739923059940338},{"word":"a","start":1838.34,"end":1838.5,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15856048464775083},{"word":"referral","start":1838.5,"end":1839.0,"confidence":0.9941406,"punctuated_word":"referral.","sentiment":"neutral","sentiment_score":0.12422438710927965},{"word":"if","start":1839.22,"end":1839.38,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1904850602149963},{"word":"you've","start":1839.38,"end":1839.62,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2019875943660736},{"word":"already","start":1839.62,"end":1839.86,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.20266535878181455},{"word":"got","start":1839.86,"end":1840.1,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13143792748451233},{"word":"someone","start":1840.1,"end":1840.5,"confidence":0.9970703,"punctuated_word":"someone,","sentiment":"neutral","sentiment_score":0.17712059617042542},{"word":"happy","start":1840.5,"end":1840.82,"confidence":0.9863281,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.19808578491210935},{"word":"with","start":1840.82,"end":1840.98,"confidence":0.33129883,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2607344388961792},{"word":"that","start":1840.98,"end":1841.48,"confidence":0.9970703,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1868463158607483},{"word":"cool","start":1845.22,"end":1845.62,"confidence":0.9616699,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4996722340583801},{"word":"any","start":1845.62,"end":1845.86,"confidence":0.9472656,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":-0.02236868068575859},{"word":"questions","start":1845.86,"end":1846.2599,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.02639857307076454},{"word":"on","start":1846.2599,"end":1846.4199,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04166068881750107},{"word":"that","start":1846.4199,"end":1846.9199,"confidence":0.99902344,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.050434112548828125},{"word":"sensational","start":1850.5549,"end":1851.0549,"confidence":0.9897461,"punctuated_word":"Sensational.","sentiment":"negative","sentiment_score":-0.4415053427219391},{"word":"so","start":1851.195,"end":1851.4349,"confidence":0.9140625,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.05396914482116699},{"word":"janet","start":1851.4349,"end":1851.915,"confidence":0.65563965,"punctuated_word":"Janet,","sentiment":"neutral","sentiment_score":0.08463113754987717},{"word":"mate","start":1851.915,"end":1852.155,"confidence":0.86376953,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":0.0824022889137268},{"word":"if","start":1852.155,"end":1852.395,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04681747034192085},{"word":"you're","start":1852.395,"end":1852.635,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.021275511011481285},{"word":"okay","start":1852.635,"end":1852.875,"confidence":0.99902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.007061898708343506},{"word":"for","start":1852.875,"end":1853.035,"confidence":0.95166016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10866810381412506},{"word":"the","start":1853.035,"end":1853.115,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07517705857753754},{"word":"team","start":1853.115,"end":1853.4349,"confidence":0.9970703,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.036353543400764465},{"word":"to","start":1853.4349,"end":1853.515,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14037607610225675},{"word":"reach","start":1853.515,"end":1853.755,"confidence":1.0,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.15174537897109985},{"word":"out","start":1853.755,"end":1853.915,"confidence":0.94384766,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1591147631406784},{"word":"over","start":1853.915,"end":1854.075,"confidence":0.64990234,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2207369953393936},{"word":"the","start":1854.075,"end":1854.155,"confidence":0.9404297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1343122273683548},{"word":"next","start":1854.155,"end":1854.315,"confidence":0.9941406,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.14117297530174255},{"word":"couple","start":1854.315,"end":1854.635,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.02772936224937439},{"word":"of","start":1854.635,"end":1854.715,"confidence":0.73583984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09548099339008333},{"word":"weeks","start":1854.715,"end":1854.955,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.08909189701080322},{"word":"just","start":1854.955,"end":1855.115,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1473698914051056},{"word":"to","start":1855.115,"end":1855.195,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1184076964855194},{"word":"get","start":1855.195,"end":1855.355,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10910136997699738},{"word":"that","start":1855.355,"end":1855.595,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1772737354040146},{"word":"colonial","start":1855.595,"end":1856.075,"confidence":0.93115234,"punctuated_word":"colonial","sentiment":"neutral","sentiment_score":0.13673029839992523},{"word":"research","start":1856.075,"end":1856.5549,"confidence":0.9873047,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.1137811690568924},{"word":"fixed","start":1856.5549,"end":1856.875,"confidence":0.7578125,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.1919277161359787},{"word":"up","start":1856.875,"end":1857.035,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1897152066230774},{"word":"for","start":1857.035,"end":1857.195,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20377013087272644},{"word":"me","start":1857.195,"end":1857.695,"confidence":0.9758301,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.05904008448123932},{"word":"i","start":1857.835,"end":1858.075,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09120319783687592},{"word":"will","start":1858.075,"end":1858.395,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07947920262813568},{"word":"pretty","start":1858.395,"end":1858.635,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.15491995215415957},{"word":"much","start":1858.635,"end":1858.955,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2302294373512268},{"word":"be","start":1858.955,"end":1859.195,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14779087901115415},{"word":"speaking","start":1859.195,"end":1859.595,"confidence":1.0,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.20049750804901123},{"word":"to","start":1859.595,"end":1859.755,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20437251031398773},{"word":"you","start":1859.755,"end":1860.235,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1428581476211548},{"word":"end","start":1860.235,"end":1860.475,"confidence":0.9951172,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.15580758452415466},{"word":"of","start":1860.475,"end":1860.715,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13343533873558044},{"word":"june","start":1860.715,"end":1861.115,"confidence":0.9555664,"punctuated_word":"June,","sentiment":"neutral","sentiment_score":0.1449042558670044},{"word":"and","start":1861.115,"end":1861.355,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22428351640701297},{"word":"i'll","start":1861.355,"end":1861.595,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2429388165473938},{"word":"kind","start":1861.595,"end":1861.755,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.26536399126052856},{"word":"of","start":1861.755,"end":1861.995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.304500937461853},{"word":"let","start":1861.995,"end":1862.155,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2830366790294647},{"word":"you","start":1862.155,"end":1862.315,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29292818903923035},{"word":"know","start":1862.315,"end":1862.815,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2682502269744873},{"word":"what","start":1862.9299,"end":1863.09,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2686239778995514},{"word":"the","start":1863.09,"end":1863.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2513515055179596},{"word":"recommendations","start":1863.25,"end":1863.75,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.231814444065094},{"word":"are","start":1863.97,"end":1864.13,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1986810564994812},{"word":"from","start":1864.13,"end":1864.37,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.20168599486351013},{"word":"there","start":1864.37,"end":1864.87,"confidence":0.96655273,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14151164889335632},{"word":"awesome","start":1867.65,"end":1868.15,"confidence":0.9916992,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.8097461462020874},{"word":"have","start":1868.37,"end":1868.61,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7468982934951782},{"word":"a","start":1868.61,"end":1868.77,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.733820378780365},{"word":"fantastic","start":1868.77,"end":1869.27,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.7744443416595459},{"word":"day","start":1869.41,"end":1869.73,"confidence":0.9995117,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.43853896856307983},{"word":"if","start":1869.73,"end":1869.89,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.18237745761871335},{"word":"you","start":1869.89,"end":1869.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27102896571159363},{"word":"have","start":1869.97,"end":1870.13,"confidence":0.9741211,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.120418481528759},{"word":"any","start":1870.13,"end":1870.37,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11134142428636552},{"word":"trouble","start":1870.37,"end":1870.61,"confidence":0.99902344,"punctuated_word":"trouble","sentiment":"neutral","sentiment_score":0.1312824785709381},{"word":"with","start":1870.61,"end":1870.85,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1807881146669388},{"word":"that","start":1870.85,"end":1871.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2818124294281006},{"word":"digital","start":1871.01,"end":1871.41,"confidence":1.0,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":0.15164875984191897},{"word":"email","start":1871.41,"end":1871.91,"confidence":0.9926758,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.24109826982021332},{"word":"just","start":1872.0499,"end":1872.2899,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21028226613998413},{"word":"call","start":1872.2899,"end":1872.53,"confidence":0.9863281,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.17589060962200165},{"word":"through","start":1872.53,"end":1872.77,"confidence":0.99121094,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.33493533730506897},{"word":"and","start":1872.77,"end":1872.85,"confidence":0.60498047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32816964387893677},{"word":"the","start":1872.85,"end":1873.01,"confidence":0.984375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3858047425746918},{"word":"team","start":1873.01,"end":1873.1699,"confidence":0.9980469,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.283783882856369},{"word":"can","start":1873.1699,"end":1873.41,"confidence":0.9760742,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3815840780735016},{"word":"walk","start":1873.41,"end":1873.57,"confidence":0.99609375,"punctuated_word":"walk","sentiment":"positive","sentiment_score":0.5670338273048401},{"word":"you","start":1873.57,"end":1873.73,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.437091052532196},{"word":"through","start":1873.73,"end":1873.89,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5007437467575073},{"word":"it","start":1873.89,"end":1874.2769,"confidence":0.9926758,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.33401283621788025},{"word":"no","start":1877.5569,"end":1877.7969,"confidence":0.9453125,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2822212874889374},{"word":"worries","start":1877.7969,"end":1878.1168,"confidence":0.99902344,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.225728303194046},{"word":"at","start":1878.1168,"end":1878.1969,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.32061824202537537},{"word":"all","start":1878.1969,"end":1878.3568,"confidence":0.8029785,"punctuated_word":"all,","sentiment":"positive","sentiment_score":0.3541659712791443},{"word":"mate","start":1878.3568,"end":1878.5168,"confidence":0.8017578,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.427573561668396},{"word":"i'll","start":1878.5168,"end":1878.5968,"confidence":0.99316406,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3531097173690796},{"word":"talk","start":1878.5968,"end":1878.7568,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.42754319310188293},{"word":"to","start":1878.7568,"end":1878.8369,"confidence":0.9892578,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.44561851024627686},{"word":"you","start":1878.8369,"end":1878.9169,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.420870304107666},{"word":"again","start":1878.9169,"end":1879.1569,"confidence":0.9980469,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.46711602807044983},{"word":"soon","start":1879.1569,"end":1879.6569,"confidence":0.9838867,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.3871823251247406},{"word":"thanks","start":1881.5569,"end":1881.9569,"confidence":0.98999023,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5764892101287842},{"word":"bye","start":1881.9569,"end":1882.4569,"confidence":0.91186523,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10436324030160904}],"paragraphs":{"transcript":"\nGood afternoon, Shannon. It's Tommy here, senior adviser from. How are you doing? Fantastic. Living the dream so far.\n\nI'm just giving you a call to go through your annual review, sir. Perfect. Have you got a bit of twenty minutes or so for me? Perfect. Perfect.\n\nSo I've got a bit of an annual review pack that I'm gonna get sent through to your email address. I'm just gonna go through a quick security check with you, and then we can jump into it together. I'll update a few details, and we'll kind of see if we need to update any of the strategies, if that's alright. Fantastic. So I'm registered with ASIC as adviser 1273105.\n\nCould you please confirm your date of birth and address? Perfect. And are you okay for the call to be recorded? Perfect. So I've got your Hotmail address there.\n\nI'm gonna pop this pack through to you now. Do you want me to just kinda walk you through the documents that are coming through, or are you okay to kind of look onto a few of them with me? Yep. Awesome. So what's coming through now is a bit of an updated performance report.\n\nWe've got a summary of both accounts and the insurances. We've got an updated financial services guide, the license details and so on, and the service agreement as well. And is there anything in particular that you're hoping to get out of this year's review that I can focus on for you? Yep. Just a bit of a general update on the super performance.\n\nAnd just while that's coming through to you now, it's through our new system that we built, so it should come through to your main inbox pretty quickly. Perfect. Now while I've got the details open in front of me there, so no change in address or phone number, email address. We had you at the last review as a production manager on about 118,000. Is that still correct?\n\nYep. I think you were putting aside around about $2.50 a week, and the main goal that I have listed down is basically investing in property. You were kind of building a home at the time. Is that correct? Yep.\n\nSo I'm just gonna quickly double check that with you because what I've got for assets so far is your main residence and two cars. Do you now have that second property? Okay. Perfect. So is there kind of a, excuse me, a bit of a land being built onto the side, or were you just constructing on your main property?\n\nYep. Totally fair. And have you looked at all the budget changes and all that stuff that's been going on about the negative gearing capital gain? Yeah. Good fun, mate.\n\nIf you want any information on it, I know they're kind of whittling down the options a little bit, but if there's anything we can do to help, just let us know. Perfect. Just double check a couple of details. So we still had you married at the time with two dependent children. Is that right?\n\nAwesome. Alrighty. Now if you can grab open that email for me, you should see a summary of Subaru Insurance is the main one I wanna focus on. No. Don't hit that button.\n\nSo at the bottom, there's attachments just like standard PDF attachments like any other email. Yep. It's the super and insurance summary. Perfect. Just let me know when you can see all that there.\n\nIt should have your Netwealthy Colonial and the attached insurances listed on this. No worries at all. Perfect. Perfect. So what I'm basically looking at today is we've got the Netwealth super hundred '63, hundred and sixty four thousand.\n\nIt's obviously bouncing around quite frequently. Colonial sort of jumped up a little bit since the last time we checked. And you've got the life of TPD, the income protection, which was through CommonSure attached through the Colonial account. Does all that ring a bell? Beautiful.\n\nMate, have you been logging into your server to see how it's been going the last six months? No. Yeah. No. Basically, it's it's been flat for the year.\n\nWhat ended up happening was as soon as February, March hit, all the stocks went down, and then it bounced back a little bit the last couple of months, actually pretty quickly. But you're basically still sitting at about similar balance to you were twelve months ago after all the growth from the previous years as well. So couple of things I wanted to broach with you today, actually three things in particular. First one is I'm looking at your Netwealth performance report. Do you mind opening that document up for me as well?\n\nBecause I wanna just break it down a little bit for you. Yep. That's the one. You should see a lovely blue table smattered with about 50 different numbers and figures all over. So left hand side is the different investment options.\n\nRight hand side is the percentage returns. So, basically, wind back one step, we're in a pretty high growth portfolio. Most of your super across both accounts is all in growth assets. There's property gold, all that kind of thing. You have nothing in defensive assets except for the minimum cash that you're required to hold.\n\nDoes that make sense? Yep. Actually, across the board, pretty strong performance from pretty much every single option except for one. So the gold's still up quite a bit. All of the international shares across the different sectors are up double digits, except the old cybersecurity is only up 5%, but that's kind of like a way for the AI thing to kick in before people start buying into that.\n\nBut the one that's dragged it down the most is that can you see in the middle under Australian equity, Benelon Australian Equities Fund? Yep. So that's the one that dropped the most, 17% drop there. That was a pretty big chunk of the silver. That's your Australian shares.\n\nDo you remember getting in March an email from us called a record of advice or an ROA? So, basically, what happens was most of the time when we do a review, I go through the portfolio, see if I need to update any options, that kind of thing, and we would send you, like, an updated statement of advice to get you to sign off on the changes. In this one particular case, this Benelon option started shooting down a lot quicker than all the other Australian shares options that are out there. So we made a decision across the entire client base at a life level to replace that one for all clients straight away. And we basically sold that one off and moved you into the one that's underneath it, which is the beta shares 200 ETF, if you can see that there.\n\nSo that's only been running since March, so it has picked up a couple of percent, which is good. But, basically, what that's done is you've switched from an active option to a passive option with a lot lower fees. Going from about 1% fee to about 0.2, and the performance on that miles better over the last one, three, five years. So the first question I had for you was, are you generally okay with that kind of high growth risk level still in terms of goes up ten, twenty, 40%, market crashes, it goes down, and just keep on buying into the market long term to get the high returns? Is that an idea that you're still comfortable with?\n\nYep. So generally speaking, if it depends on the retirement goal. Right? If you're trying to retire earlier with a higher balance, you've got to kind of grow up fast enough to have enough there to retire on. But you don't wanna be sitting there in a high risk level, and you're 64 and the market wipes throughout just before you ever retire.\n\nSo it depends on, I guess, like, time frames and the retirement goal. So for you, you still got a pretty good time frame behind you. Basically, are you looking to, you know, retire as early as possible at 60 when you can access this so far? A goal a little bit slow and steady towards 67. Where do you kinda lean between the two?\n\nLike, win the lotto tomorrow, out of work sort of thing? That's the one. Look. Funnily enough, that question over my twelve years is at a fifty fifty answer where half the country says if I won the lotto, I'm out of the rat race, and the other half says I would know what to do with myself. I always wanna be doing something even if it's part time.\n\nSo I kind of use that as a bit of a gauge, but it is only enough fifty fifty. Now high growth is great for that. So, basically, what the plan is with all these passive ETFs that we've got you in is it's pretty much buy regularly for the next, say, ten to fourteen years, get the really high returns. And then in the last six to nine years, we slowly reduce your asset allocation from a 100% growth asset, ninety, eighty, seventy, sixty, fifty, forty, and there's your pension account from the '60. K.\n\nSo that's the general idea that gets you the kind of best outcome because you've got 6 figure income with good contributions, got best investments long term. But then at some point, once you've got that million dollars, we then start to protect it. K? Now what my advice would be at the moment, the the the other two things I want to brag with you, is when I look at the portfolio with that one option being switched out, overall, it looks really good. So that one thing kind of weighing you down recently, that's kind of been resolved.\n\nAnd when I look across all the options, there's nothing that really concerns me or I think it's like a an alarm bell to switch at this point. Pretty much. Yeah. That's right. Basically, these things take a couple of months to happen.\n\nSo as that thing is happening, we flag it as a team, goes to our investment committee. They go under the hood and go, is this something that's likely to bounce back like normal? And only twice in my entire career have we ever looked at an option and gone, it's not gonna bounce back. And that's because the bed along fund is actually at a point they're probably gonna wind up and close down in the next year or two. Most of the time, I just go look buy in, buy the dip, let the market go down, buy some more shares and property for a cheaper price.\n\nWhen you go up, you get a 30% return, everybody's happy. But every now and then you go, it's not doing what it should be doing. K? Now outside of that, though, the other two questions I wanted to broach with you is I like the portfolio. Do you want me to look at any like, you've been in Netwealth for for almost six years now with O.\n\nQ. Financial. Do you want me to look at any other super funds to try and find some with some low fees and switch around with a similar portfolio, or you're happy to kind of let this one kind of do its thing? So there's a competitor to them, which has come up really strong recently I wanna consider for you. And, basically, they've got the same amount of investment options, but they're just a bit better on the administration fees for holding the account.\n\nSo basically, what I would do, if you're okay, is just do a bit of a comparison, see if it's actually enough of a benefit to go through the admin to jump across, and see if there's anything else I can fix up on the portfolio if you're comfortable with me doing that. Yep. Okay. No. That's fine.\n\nAnd, look, there's nothing wrong with the the platform of Netwealth. The feed is still competitive. The investment menu is still, you know, top five in the country. It's just like if I wanna try and find the the extra 1% for you, I can go away and do that. Cool.\n\nWhen when it comes to the Colonial account, so the usual strategy with this situation is you've got your insurance is sitting over there. We usually like to maintain about 10,000 to keep the the insurance in force and then move funds across to invest into your your main funds. Are you still okay with that idea for me to do a, like, a bit of a comparison between the two and look at a bit of a sweep across? Yeah. Yeah.\n\nWe can basically go through and look at I do need a little bit of research on your client, actually. But besides, once I've got the authority fixed up, I can break down the account, and we've got all the research tools to go under the hood and look at both funds side by side. Yeah. And I've got to give you a bit of a a dual comparison there because I can look back and go, this is the twelve months, but I'm also forward looking and saying which one's looking good going forward in terms of, you know, the switch that we just made a month until we got. Cool.\n\nI'll do that comparison there. I was just having a look at our new system because I'm trying to make sure the data's accurate since it's come across. Basically, there was a bit of an issue with a spelling error on an email address for an authority for us to contact them. And there was a note there that you were gonna call Colonial just to update the email address so it could match. Does that ring a bell from, like, the last twelve months or so?\n\nCould it even been earlier? That's okay. If you're okay with that, I'll get the team to kind of go through the authority so we can get a rundown and access to the account again just because it's one of the things that you've got to refresh every now and then. Cool. In terms of the insurances, though, really fantastic policy that they've got you in from CommonSure.\n\nI don't know if you remember the news articles that came out about CommonSure back in the day. Yeah. There was that huge scandal, and I ended up kind of winding down as an insurance company. But what's happened is they've kind of grandfathered your policy across, and it's actually really good. It's like $800 a year.\n\nYou've got just under half a mil of life and CPD insurance for disability, and your income protection, they've been slowly increasing it with inflation to try and keep up with that. Thirty day waiting period, three year benefits. So if you're out of work for a month, kicks in monthly $8, and that'll keep going for up to two years if you're sick or injured for that long per injury. Now, basically, what I'm saying is that for that price for those three policies of cover, that's top 2% in the insurance space at the moment. So I definitely wanna keep that going as long as it's an appropriate level of cover.\n\nLet me just quickly check this because like I said, it has increased. $8,000 a month, and they usually cover you for 75% for an old policy before 2021. So it's protecting you for an income of a 133,000. Now that gives you a bit of a buffer, but let's say you give them twelve months of financials when you claim, and they go, oh, you've only earned a 118. They'll pay you 75% on that amount, and you would have paid a tiny bit extra for something that you couldn't have claimed on, if that makes sense.\n\nSo it's a very affordable way to have a buffer. So when your income increases, your insurance has already kept up with it without the premium skyrocketing. But I just wanna make you aware that if you go through a claim, the payment might not be exactly the same. Yeah. Up into the maximum of, again, 130 3,000.\n\nYep. What about the life in CPD? So that 400,000 plus your super, the last time we checked your liability, your mortgage was about $6.90. So that's pretty much cleared by the insurance combined with the super at the moment to leave the family essentially debt free. Is that kind of your aim for that type of cover?\n\nPerfect. And I'm assuming you still wanna make sure that your partner's listed as beneficiary for the life insurance and the both super accounts? So I'll double check those just to make sure nothing's clicked off like a latching nomination or anything. And, basically, what I wanna do is I'll do that, update a comparison for you. We'll compare the Netwealth and the Colonial, see if we need to change anything and the recommendations.\n\nI'll include any info about the estate planning if I need to, and I'll factor in the premiums for the insurances and so on. Alrighty. Mate, two more questions for you, but do you have any questions so far? K. Just in terms of estate planning, did you end up putting in place a will and power of attorney?\n\nYeah. K. And, like, a will for where the house goes and cars and cash and all that kind of thing? No. That's fine.\n\nIf it does help and if you do feel it's important, obviously, people go to lawyers for will, but there's also public trustees of every state that do appointments like the courthouse. And even the post office has government approved will kits for, like, 20 plus bucks. So if that kind of helps a little bit. Yeah. Draft it yourself.\n\nGet it witnessed and signed by, you know, JP's and witnesses and everything. And they're they're legal approved. That's why they kind of supply through AusPost. Yeah. They're not the fanciest thing, but if it's just for a half car and cash.\n\nAbsolutely. If you have any questions on that anytime, I just let me know. But I just thought I'd give you a couple options there if that helps. Alrighty. So I'll get the team to kind of reach out for that research on Colonial.\n\nAs soon as I've got that down, I'll do the comparisons and put the updated statement of advice together for you. Now just given the time that it takes them to, a, update the email address if they need to, approve the authority, do the research, put the plan together, I'm pretty much gonna be contacting well, the team will be in touch with you over the next few weeks a couple of times, and then we'll be probably speaking just before the end of financial year to go through the updated plan. Cool. Included in there as well in that email I've sent you, that sign button that you saw at the top, that's for the service agreement and tax file number opt in there as well. So if you're still happy with the service, we still charge the 1.65%.\n\nSpread that out over the twelve months into the little repayments, 15 percent tax rebate, the super fund claims. But other than that, are we touching on it again when we do the updated plan just to make sure you're actually happy with what I'm proposing and can give you consent then as well. Cool. Any questions for me so far, mate? Yep.\n\nYeah. So the way the the professionals work, so overview financial, we're financial advisers. We kind of sit in the middle of your financial travel agent. Right? Go with this airline.\n\nGo with the tickets for the extra baggage. Here's the product. This is what you're trying to get to in terms of goals. You've got mortgage brokers who specialize in getting the loans. You've got buyers' agents who specialize in finding a property.\n\nAnd then the advisers, we go through the strategies, projections, and also just the general education as well. So have you ever gone through any kind of lending besides just when you first bought the property? K. I won't kind of info dump at you right now, but the the main thing to to remember is have you heard of the concept of LVR before? K.\n\nSo that's essentially loan to value ratio. So when the bank does the lending, they go, how much debt are we talking about or how much assets that are being put up as security? So I've got the previous value at 1,500,000. I was gonna do a bit of an update online just to see if that's jumped up a little bit, but do you know what the value might be right now? Yes.\n\nYep. Perfect. So let's go conservative one point a. When you go more debt than 80% of your property value, they hit you with LMI, which is lenders mortgage insurance, which is essentially just an extra huge fee, which on your property value could be upwards of 25 to 50,000 that gets tacked onto the loan if you take on that much debt. If you go below 80%, you get the better interest rates and you get to avoid that huge fee, which essentially means you don't wanna go over about 1,400,000 worth of debt for the property values.\n\nNow if you're owing, let's say, $6.90 and you've got another 700,000 of equity sitting there that you can use, You can use a few 100,000 of that as a deposit for the next place, and the next place is probably gonna be fully, like, full debt. So I'll give you an example just briefly with with my property. So I bought this place in probably the, you know, worst street, worst suburb as a starter home many years ago, and it went from 340,000 up to 800,000. So we have that debt of a couple of $100. We released a couple of 100,000 of equity to go buy another place in North Queensland, and that was about 600,000.\n\nSo what we ended up with was our original mortgage sitting on the house, the deposit loan also sitting on the house, but that is an investment loan because it's for investment purposes. And then all of the debt on the investment property. So three loans, original mortgage, the deposit, and the investment loan. Does that make sense so far? Yep.\n\nSo then, basically, what that means is that my repayments for my home, if I used it for the deposit, they've jumped up a little bit because I've increased my debt to finance the next place. So that went up another 150 a week, so I had to factor that into the budget. And then on the second hand, the rent that I'm getting from the investment property, does that cover the loan on that investment property that it's k? The last thing I wanna say is a good kind of rule of thumb is let's say you buy a, let's just say, use an investment property for $800,000 as an example. If you use the $200,000 deposit from your main home and you now owe 600,000 on the investment property, you kind of wanna be getting at least $800 a week in rent.\n\nSo 800,000, 800 a week, 900,900 a week. What that basically does, it means you're getting a 5% rental return on the value of the whole property. And because the loan is only 600,000 on that side, the 800 a week should be able to cover the loan, the agent's fees, the insurances, and so on. For that deposit. Yep.\n\nExactly right. The other thing is obviously consider things like like repairs, vacancy, and all that kind of thing. So anything above that 800,800 a week, that pushes you more into the positively geared. If you're getting below that, you're gonna be hitting negative gearing. And unless it's a new property because of the new changes that are gonna come through, you're not gonna be able to claim it on your tax.\n\nSo newly built or one that you build, that's great. But then just, you know, double check with your accountant about what that's gonna look like while it's being built. But generally speaking, if you can get that amount of rent for that amount of property and keep it either just negatively geared, then you don't have to put too much of a bill, or positively geared, you should be okay. Anything worse than that, you're gonna give yourself a lot of grief for about three to five years before it does anything. K?\n\nSo I've kind of just dumped about six things at you on one go, but I just wanted to give you that idea of you go to the lenders in the bank or the broker, you figure out your 80%, find the property, what does it rent for, have a bit of a calculation on how negatively or positively geared it might be, and what that might do to your your family budget to borrow to get that. Okay? Now outside of that, if you ever need a broker, buyer's agent, whatever you need, like, we've obviously got a network of people across the country, just let me know and I can get you a referral. If you've already got someone, happy with that. Cool.\n\nAny questions on that? Sensational. So, Janet, mate, if you're okay for the team to reach out over the next couple of weeks just to get that colonial research fixed up for me, I will pretty much be speaking to you end of June, and I'll kind of let you know what the recommendations are from there. Awesome. Have a fantastic day.\n\nIf you have any trouble with that digital email, just call through and the team can walk you through it. No worries at all, mate. I'll talk to you again soon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Shannon.","start":3.12,"end":4.24,"sentiment":"neutral","sentiment_score":0.28791601459185284},{"text":"It's Tommy here, senior adviser from.","start":4.24,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.1746982162197431},{"text":"How are you doing?","start":6.3999996,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.18464191257953644},{"text":"Fantastic.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.819083571434021},{"text":"Living the dream so far.","start":10.24,"end":11.5199995,"sentiment":"positive","sentiment_score":0.7264868378639221}],"sentiment":"positive","sentiment_score":0.37379067116662074,"num_words":19,"start":3.12,"end":11.5199995},{"sentences":[{"text":"I'm just giving you a call to go through your annual review, sir.","start":11.5199995,"end":14.5,"sentiment":"neutral","sentiment_score":0.28438806189940524},{"text":"Perfect.","start":17.705,"end":18.025,"sentiment":"positive","sentiment_score":0.3668025732040405},{"text":"Have you got a bit of twenty minutes or so for me?","start":18.025,"end":20.685,"sentiment":"neutral","sentiment_score":0.13788985460996628},{"text":"Perfect.","start":22.665,"end":23.064999,"sentiment":"positive","sentiment_score":0.575275182723999},{"text":"Perfect.","start":23.064999,"end":23.385,"sentiment":"positive","sentiment_score":0.4993709921836853}],"sentiment":"neutral","sentiment_score":0.24261327886155673,"num_words":28,"start":11.5199995,"end":23.385},{"sentences":[{"text":"So I've got a bit of an annual review pack that I'm gonna get sent through to your email address.","start":23.385,"end":27.645,"sentiment":"neutral","sentiment_score":0.24218545854091644},{"text":"I'm just gonna go through a quick security check with you, and then we can jump into it together.","start":28.43,"end":32.510002,"sentiment":"neutral","sentiment_score":0.21296796908504084},{"text":"I'll update a few details, and we'll kind of see if we need to update any of the strategies, if that's alright.","start":32.510002,"end":37.97,"sentiment":"neutral","sentiment_score":0.1423913985490799},{"text":"Fantastic.","start":40.445,"end":40.945,"sentiment":"positive","sentiment_score":0.509909987449646},{"text":"So I'm registered with ASIC as adviser 1273105.","start":41.085,"end":45.885,"sentiment":"neutral","sentiment_score":0.12620385084301233}],"sentiment":"neutral","sentiment_score":0.1934607449386801,"num_words":70,"start":23.385,"end":45.885},{"sentences":[{"text":"Could you please confirm your date of birth and address?","start":45.885,"end":48.945,"sentiment":"neutral","sentiment_score":0.0741006825119257},{"text":"Perfect.","start":56.100002,"end":56.420002,"sentiment":"neutral","sentiment_score":0.2263357937335968},{"text":"And are you okay for the call to be recorded?","start":56.420002,"end":58.36,"sentiment":"neutral","sentiment_score":0.048850066028535366},{"text":"Perfect.","start":60.58,"end":60.9,"sentiment":"neutral","sentiment_score":0.32889240980148315},{"text":"So I've got your Hotmail address there.","start":60.9,"end":62.84,"sentiment":"neutral","sentiment_score":0.13913520638431823}],"sentiment":"neutral","sentiment_score":0.09512697012516959,"num_words":29,"start":45.885,"end":62.84},{"sentences":[{"text":"I'm gonna pop this pack through to you now.","start":62.98,"end":65.56,"sentiment":"neutral","sentiment_score":0.1866271843512853},{"text":"Do you want me to just kinda walk you through the documents that are coming through, or are you okay to kind of look onto a few of them with me?","start":65.7,"end":71.345,"sentiment":"neutral","sentiment_score":0.050951589439665115},{"text":"Yep.","start":76.925,"end":77.245,"sentiment":"neutral","sentiment_score":0.1171460971236229},{"text":"Awesome.","start":77.245,"end":77.745,"sentiment":"neutral","sentiment_score":0.2347161769866943},{"text":"So what's coming through now is a bit of an updated performance report.","start":77.885,"end":81.265,"sentiment":"neutral","sentiment_score":0.14255769493488166}],"sentiment":"neutral","sentiment_score":0.09935011345554481,"num_words":55,"start":62.98,"end":81.265},{"sentences":[{"text":"We've got a summary of both accounts and the insurances.","start":81.45,"end":84.59,"sentiment":"neutral","sentiment_score":0.14524728953838348},{"text":"We've got an updated financial services guide, the license details and so on, and the service agreement as well.","start":85.28999,"end":92.27,"sentiment":"neutral","sentiment_score":0.12955364506495626},{"text":"And is there anything in particular that you're hoping to get out of this year's review that I can focus on for you?","start":94.585,"end":99.645,"sentiment":"neutral","sentiment_score":0.0730204792774242},{"text":"Yep.","start":105.064995,"end":105.384995,"sentiment":"neutral","sentiment_score":0.07415696233510971},{"text":"Just a bit of a general update on the super performance.","start":105.384995,"end":107.405,"sentiment":"neutral","sentiment_score":0.08293068883093921}],"sentiment":"neutral","sentiment_score":0.1028102767886594,"num_words":64,"start":81.45,"end":107.405},{"sentences":[{"text":"And just while that's coming through to you now, it's through our new system that we built, so it should come through to your main inbox pretty quickly.","start":109.229996,"end":115.729996,"sentiment":"neutral","sentiment_score":0.2903604879975319},{"text":"Perfect.","start":127.145004,"end":127.645004,"sentiment":"positive","sentiment_score":0.5677536129951477},{"text":"Now while I've got the details open in front of me there, so no change in address or phone number, email address.","start":128.185,"end":136.29999,"sentiment":"neutral","sentiment_score":0.11080732704563574},{"text":"We had you at the last review as a production manager on about 118,000.","start":137.23999,"end":142.59999,"sentiment":"neutral","sentiment_score":0.08408704692763942},{"text":"Is that still correct?","start":142.59999,"end":143.65999,"sentiment":"neutral","sentiment_score":0.06644356530159712}],"sentiment":"neutral","sentiment_score":0.18229857087135315,"num_words":69,"start":109.229996,"end":143.65999},{"sentences":[{"text":"Yep.","start":146.2,"end":146.7,"sentiment":"neutral","sentiment_score":0.15733371675014496},{"text":"I think you were putting aside around about $2.50 a week, and the main goal that I have listed down is basically investing in property.","start":147.25499,"end":155.11499,"sentiment":"neutral","sentiment_score":0.15683454185724258},{"text":"You were kind of building a home at the time.","start":155.33499,"end":157.17499,"sentiment":"neutral","sentiment_score":0.07052935473620892},{"text":"Is that correct?","start":157.17499,"end":157.995,"sentiment":"neutral","sentiment_score":0.06158021464943886},{"text":"Yep.","start":160.70999,"end":161.18999,"sentiment":"neutral","sentiment_score":0.09846314042806624}],"sentiment":"neutral","sentiment_score":0.12666736487299204,"num_words":40,"start":146.2,"end":161.18999},{"sentences":[{"text":"So I'm just gonna quickly double check that with you because what I've got for assets so far is your main residence and two cars.","start":161.18999,"end":168.01,"sentiment":"neutral","sentiment_score":0.04310171235352755},{"text":"Do you now have that second property?","start":168.23,"end":170.17,"sentiment":"neutral","sentiment_score":-0.013694958495242255},{"text":"Okay.","start":173.92499,"end":174.325,"sentiment":"neutral","sentiment_score":-0.01482885330915451},{"text":"Perfect.","start":174.325,"end":174.805,"sentiment":"neutral","sentiment_score":0.08919490873813629},{"text":"So is there kind of a, excuse me, a bit of a land being built onto the side, or were you just constructing on your main property?","start":174.805,"end":182.825,"sentiment":"neutral","sentiment_score":-0.04311284629835023}],"sentiment":"neutral","sentiment_score":-0.0017705359877865823,"num_words":61,"start":161.18999,"end":182.825},{"sentences":[{"text":"Yep.","start":191.99,"end":192.49,"sentiment":"neutral","sentiment_score":0.0019512444268912077},{"text":"Totally fair.","start":192.70999,"end":193.77,"sentiment":"neutral","sentiment_score":0.021998249925673008},{"text":"And have you looked at all the budget changes and all that stuff that's been going on about the negative gearing capital gain?","start":194.06999,"end":199.685,"sentiment":"neutral","sentiment_score":-0.14041154540103415},{"text":"Yeah.","start":202.465,"end":202.705,"sentiment":"neutral","sentiment_score":0.1378335952758789},{"text":"Good fun, mate.","start":202.705,"end":203.345,"sentiment":"positive","sentiment_score":0.4701063632965088}],"sentiment":"neutral","sentiment_score":-0.05451217049267143,"num_words":30,"start":191.99,"end":203.345},{"sentences":[{"text":"If you want any information on it, I know they're kind of whittling down the options a little bit, but if there's anything we can do to help, just let us know.","start":203.345,"end":211.65,"sentiment":"neutral","sentiment_score":0.13225875201169401},{"text":"Perfect.","start":214.84999,"end":215.34999,"sentiment":"neutral","sentiment_score":0.2742823362350464},{"text":"Just double check a couple of details.","start":215.73,"end":217.32999,"sentiment":"neutral","sentiment_score":0.10279479463185583},{"text":"So we still had you married at the time with two dependent children.","start":217.32999,"end":221.81,"sentiment":"neutral","sentiment_score":0.057069951525101296},{"text":"Is that right?","start":221.81,"end":222.54999,"sentiment":"neutral","sentiment_score":0.09438754618167877}],"sentiment":"neutral","sentiment_score":0.11162853520363569,"num_words":56,"start":203.345,"end":222.54999},{"sentences":[{"text":"Awesome.","start":224.05501,"end":224.455,"sentiment":"positive","sentiment_score":0.39960622787475586},{"text":"Alrighty.","start":224.455,"end":224.955,"sentiment":"neutral","sentiment_score":0.2610737979412079},{"text":"Now if you can grab open that email for me, you should see a summary of Subaru Insurance is the main one I wanna focus on.","start":225.175,"end":233.435,"sentiment":"neutral","sentiment_score":0.12396036317715278},{"text":"No.","start":240.55,"end":240.95,"sentiment":"neutral","sentiment_score":-0.24791693687438965},{"text":"Don't hit that button.","start":240.95,"end":242.17,"sentiment":"neutral","sentiment_score":-0.09482401236891747}],"sentiment":"neutral","sentiment_score":0.09867989339611748,"num_words":33,"start":224.05501,"end":242.17},{"sentences":[{"text":"So at the bottom, there's attachments just like standard PDF attachments like any other email.","start":242.23,"end":248.33,"sentiment":"neutral","sentiment_score":0.0017948778346180915},{"text":"Yep.","start":250.565,"end":251.065,"sentiment":"neutral","sentiment_score":0.056807663291692734},{"text":"It's the super and insurance summary.","start":251.685,"end":254.265,"sentiment":"neutral","sentiment_score":0.0953802118698756},{"text":"Perfect.","start":257.285,"end":257.605,"sentiment":"positive","sentiment_score":0.42972874641418457},{"text":"Just let me know when you can see all that there.","start":257.605,"end":259.045,"sentiment":"neutral","sentiment_score":0.21065008504824204}],"sentiment":"neutral","sentiment_score":0.10008505246985484,"num_words":34,"start":242.23,"end":259.045},{"sentences":[{"text":"It should have your Netwealthy Colonial and the attached insurances listed on this.","start":259.045,"end":264.265,"sentiment":"neutral","sentiment_score":0.15044290113907594},{"text":"No worries at all.","start":277.465,"end":278.605,"sentiment":"neutral","sentiment_score":0.08901805616915226},{"text":"Perfect.","start":287.465,"end":287.865,"sentiment":"positive","sentiment_score":0.4313783645629883},{"text":"Perfect.","start":287.865,"end":288.265,"sentiment":"positive","sentiment_score":0.3980149030685425},{"text":"So what I'm basically looking at today is we've got the Netwealth super hundred '63, hundred and sixty four thousand.","start":288.265,"end":294.28,"sentiment":"neutral","sentiment_score":0.11197031550109386}],"sentiment":"neutral","sentiment_score":0.137964859413795,"num_words":39,"start":259.045,"end":294.28},{"sentences":[{"text":"It's obviously bouncing around quite frequently.","start":294.28,"end":296.30002,"sentiment":"neutral","sentiment_score":0.169296532869339},{"text":"Colonial sort of jumped up a little bit since the last time we checked.","start":296.76,"end":300.22,"sentiment":"neutral","sentiment_score":0.1376099538590227},{"text":"And you've got the life of TPD, the income protection, which was through CommonSure attached through the Colonial account.","start":300.52002,"end":307.595,"sentiment":"neutral","sentiment_score":0.10135983009087413},{"text":"Does all that ring a bell?","start":307.595,"end":308.895,"sentiment":"neutral","sentiment_score":0.057303166637818016},{"text":"Beautiful.","start":310.795,"end":311.295,"sentiment":"positive","sentiment_score":0.3462943136692047}],"sentiment":"neutral","sentiment_score":0.12083192687967549,"num_words":46,"start":294.28,"end":311.295},{"sentences":[{"text":"Mate, have you been logging into your server to see how it's been going the last six months?","start":311.51498,"end":315.29498,"sentiment":"neutral","sentiment_score":0.07892996155553395},{"text":"No.","start":321.13,"end":321.63,"sentiment":"neutral","sentiment_score":-0.27347642183303833},{"text":"Yeah.","start":325.29,"end":325.69,"sentiment":"neutral","sentiment_score":-0.13020633161067963},{"text":"No.","start":325.69,"end":326.19,"sentiment":"neutral","sentiment_score":-0.23165513575077057},{"text":"Basically, it's it's been flat for the year.","start":326.25,"end":328.725,"sentiment":"neutral","sentiment_score":-0.27605121955275536}],"sentiment":"neutral","sentiment_score":-0.04906925302127312,"num_words":29,"start":311.51498,"end":328.725},{"sentences":[{"text":"What ended up happening was as soon as February, March hit, all the stocks went down, and then it bounced back a little bit the last couple of months, actually pretty quickly.","start":329.36502,"end":338.185,"sentiment":"neutral","sentiment_score":-0.12002424139063805},{"text":"But you're basically still sitting at about similar balance to you were twelve months ago after all the growth from the previous years as well.","start":338.64502,"end":348.04,"sentiment":"neutral","sentiment_score":-0.029534567147493362},{"text":"So couple of things I wanted to broach with you today, actually three things in particular.","start":348.82,"end":353.72,"sentiment":"neutral","sentiment_score":0.04161730664782226},{"text":"First one is I'm looking at your Netwealth performance report.","start":354.42,"end":358.595,"sentiment":"neutral","sentiment_score":0.037397578603122386},{"text":"Do you mind opening that document up for me as well?","start":359.055,"end":361.69498,"sentiment":"neutral","sentiment_score":0.09103635055097667}],"sentiment":"neutral","sentiment_score":-0.026998801646070516,"num_words":94,"start":329.36502,"end":361.69498},{"sentences":[{"text":"Because I wanna just break it down a little bit for you.","start":361.69498,"end":364.19498,"sentiment":"neutral","sentiment_score":0.17031450880070528},{"text":"Yep.","start":371.63,"end":371.95,"sentiment":"neutral","sentiment_score":0.2554776668548584},{"text":"That's the one.","start":371.95,"end":372.43,"sentiment":"positive","sentiment_score":0.36792441209157306},{"text":"You should see a lovely blue table smattered with about 50 different numbers and figures all over.","start":372.43,"end":378.13,"sentiment":"positive","sentiment_score":0.4688371542622061},{"text":"So left hand side is the different investment options.","start":382.125,"end":385.10498,"sentiment":"neutral","sentiment_score":0.12195690721273422}],"sentiment":"neutral","sentiment_score":0.29692544752643224,"num_words":42,"start":361.69498,"end":385.10498},{"sentences":[{"text":"Right hand side is the percentage returns.","start":385.32498,"end":387.66498,"sentiment":"neutral","sentiment_score":0.12900078935282572},{"text":"So, basically, wind back one step, we're in a pretty high growth portfolio.","start":388.84497,"end":394.35,"sentiment":"neutral","sentiment_score":0.2375736626294943},{"text":"Most of your super across both accounts is all in growth assets.","start":394.65,"end":398.03,"sentiment":"neutral","sentiment_score":0.24006885662674904},{"text":"There's property gold, all that kind of thing.","start":398.25,"end":400.75,"sentiment":"neutral","sentiment_score":0.1747348252683878},{"text":"You have nothing in defensive assets except for the minimum cash that you're required to hold.","start":400.81,"end":406.17,"sentiment":"neutral","sentiment_score":0.1138600860722363}],"sentiment":"neutral","sentiment_score":0.18021302497280495,"num_words":56,"start":385.32498,"end":406.17},{"sentences":[{"text":"Does that make sense?","start":406.17,"end":407.23,"sentiment":"neutral","sentiment_score":0.11025574058294296},{"text":"Yep.","start":409.27502,"end":409.77502,"sentiment":"neutral","sentiment_score":0.2103637456893921},{"text":"Actually, across the board, pretty strong performance from pretty much every single option except for one.","start":410.39502,"end":416.815,"sentiment":"positive","sentiment_score":0.5267220102250576},{"text":"So the gold's still up quite a bit.","start":416.875,"end":418.795,"sentiment":"positive","sentiment_score":0.4171066880226135},{"text":"All of the international shares across the different sectors are up double digits, except the old cybersecurity is only up 5%, but that's kind of like a way for the AI thing to kick in before people start buying into that.","start":418.795,"end":430.61002,"sentiment":"neutral","sentiment_score":0.22229306654232303}],"sentiment":"neutral","sentiment_score":0.30756868720054625,"num_words":70,"start":406.17,"end":430.61002},{"sentences":[{"text":"But the one that's dragged it down the most is that can you see in the middle under Australian equity, Benelon Australian Equities Fund?","start":430.91,"end":439.04498,"sentiment":"neutral","sentiment_score":-0.05700727552175522},{"text":"Yep.","start":441.985,"end":442.465,"sentiment":"neutral","sentiment_score":-0.0013598043005913496},{"text":"So that's the one that dropped the most, 17% drop there.","start":442.465,"end":446.54498,"sentiment":"neutral","sentiment_score":-0.20099368420514194},{"text":"That was a pretty big chunk of the silver.","start":446.54498,"end":448.465,"sentiment":"neutral","sentiment_score":-0.14380339450306362},{"text":"That's your Australian shares.","start":448.465,"end":450.085,"sentiment":"neutral","sentiment_score":-0.009019304357934743}],"sentiment":"neutral","sentiment_score":-0.1002198512456855,"num_words":49,"start":430.91,"end":450.085},{"sentences":[{"text":"Do you remember getting in March an email from us called a record of advice or an ROA?","start":450.95,"end":457.61002,"sentiment":"neutral","sentiment_score":-0.03808540633569161},{"text":"So, basically, what happens was most of the time when we do a review, I go through the portfolio, see if I need to update any options, that kind of thing, and we would send you, like, an updated statement of advice to get you to sign off on the changes.","start":463.285,"end":476.345,"sentiment":"neutral","sentiment_score":-0.016908470066446885},{"text":"In this one particular case, this Benelon option started shooting down a lot quicker than all the other Australian shares options that are out there.","start":477.52002,"end":486.74002,"sentiment":"neutral","sentiment_score":-0.3138939893245697},{"text":"So we made a decision across the entire client base at a life level to replace that one for all clients straight away.","start":487.04,"end":495.125,"sentiment":"neutral","sentiment_score":0.2715644379672797},{"text":"And we basically sold that one off and moved you into the one that's underneath it, which is the beta shares 200 ETF, if you can see that there.","start":495.585,"end":504.39,"sentiment":"neutral","sentiment_score":0.22951861959079217}],"sentiment":"neutral","sentiment_score":0.02401919877284194,"num_words":146,"start":450.95,"end":504.39},{"sentences":[{"text":"So that's only been running since March, so it has picked up a couple of percent, which is good.","start":505.19,"end":509.69,"sentiment":"positive","sentiment_score":0.564239258828916},{"text":"But, basically, what that's done is you've switched from an active option to a passive option with a lot lower fees.","start":509.83002,"end":516.97003,"sentiment":"neutral","sentiment_score":0.2455032460746311},{"text":"Going from about 1% fee to about 0.2, and the performance on that miles better over the last one, three, five years.","start":517.715,"end":525.895,"sentiment":"positive","sentiment_score":0.4200519865209406},{"text":"So the first question I had for you was, are you generally okay with that kind of high growth risk level still in terms of goes up ten, twenty, 40%, market crashes, it goes down, and just keep on buying into the market long term to get the high returns?","start":527.635,"end":544.66,"sentiment":"neutral","sentiment_score":-0.013486885726451873},{"text":"Is that an idea that you're still comfortable with?","start":545.33496,"end":548.075,"sentiment":"neutral","sentiment_score":-0.02886408877869447}],"sentiment":"neutral","sentiment_score":0.19986063391278105,"num_words":121,"start":505.19,"end":548.075},{"sentences":[{"text":"Yep.","start":561.43,"end":561.93,"sentiment":"neutral","sentiment_score":-0.01188611052930355},{"text":"So generally speaking, if it depends on the retirement goal.","start":565.99,"end":569.67,"sentiment":"neutral","sentiment_score":-0.0038857877254486082},{"text":"Right?","start":569.67,"end":569.91,"sentiment":"neutral","sentiment_score":0.007597703486680984},{"text":"If you're trying to retire earlier with a higher balance, you've got to kind of grow up fast enough to have enough there to retire on.","start":569.91,"end":576.46497,"sentiment":"neutral","sentiment_score":0.027190543460444763},{"text":"But you don't wanna be sitting there in a high risk level, and you're 64 and the market wipes throughout just before you ever retire.","start":576.46497,"end":584.08496,"sentiment":"neutral","sentiment_score":-0.1372488909959793}],"sentiment":"neutral","sentiment_score":-0.043927213162302026,"num_words":63,"start":561.43,"end":584.08496},{"sentences":[{"text":"So it depends on, I guess, like, time frames and the retirement goal.","start":586.35,"end":591.01,"sentiment":"neutral","sentiment_score":0.02671790008361523},{"text":"So for you, you still got a pretty good time frame behind you.","start":591.23,"end":595.89,"sentiment":"neutral","sentiment_score":0.12952611595392227},{"text":"Basically, are you looking to, you know, retire as early as possible at 60 when you can access this so far?","start":596.685,"end":603.405,"sentiment":"neutral","sentiment_score":0.08151241959560485},{"text":"A goal a little bit slow and steady towards 67.","start":603.405,"end":606.525,"sentiment":"neutral","sentiment_score":-0.0294167036190629},{"text":"Where do you kinda lean between the two?","start":606.525,"end":608.54504,"sentiment":"neutral","sentiment_score":-0.06242874078452587}],"sentiment":"neutral","sentiment_score":0.045374400885059285,"num_words":65,"start":586.35,"end":608.54504},{"sentences":[{"text":"Like, win the lotto tomorrow, out of work sort of thing?","start":613.64996,"end":616.87,"sentiment":"neutral","sentiment_score":-0.10859348049218004},{"text":"That's the one.","start":621.665,"end":622.545,"sentiment":"positive","sentiment_score":0.4450925489266713},{"text":"Look.","start":622.545,"end":622.785,"sentiment":"neutral","sentiment_score":0.1484542191028595},{"text":"Funnily enough, that question over my twelve years is at a fifty fifty answer where half the country says if I won the lotto, I'm out of the rat race, and the other half says I would know what to do with myself.","start":622.785,"end":635.16,"sentiment":"neutral","sentiment_score":0.012137035254475683},{"text":"I always wanna be doing something even if it's part time.","start":635.16,"end":638.37994,"sentiment":"neutral","sentiment_score":0.10403112457557158}],"sentiment":"neutral","sentiment_score":0.0283396879238063,"num_words":69,"start":613.64996,"end":638.37994},{"sentences":[{"text":"So I kind of use that as a bit of a gauge, but it is only enough fifty fifty.","start":638.6,"end":643.25995,"sentiment":"neutral","sentiment_score":0.02358002127393296},{"text":"Now high growth is great for that.","start":645.72,"end":647.56,"sentiment":"positive","sentiment_score":0.5294440260955265},{"text":"So, basically, what the plan is with all these passive ETFs that we've got you in is it's pretty much buy regularly for the next, say, ten to fourteen years, get the really high returns.","start":647.56,"end":660.03503,"sentiment":"neutral","sentiment_score":0.2570149276937757},{"text":"And then in the last six to nine years, we slowly reduce your asset allocation from a 100% growth asset, ninety, eighty, seventy, sixty, fifty, forty, and there's your pension account from the '60.","start":660.335,"end":673.45,"sentiment":"neutral","sentiment_score":0.07765325739541475},{"text":"K.","start":676.39,"end":676.71,"sentiment":"neutral","sentiment_score":0.05700908973813057}],"sentiment":"neutral","sentiment_score":0.1650715718472687,"num_words":96,"start":638.6,"end":676.71},{"sentences":[{"text":"So that's the general idea that gets you the kind of best outcome because you've got 6 figure income with good contributions, got best investments long term.","start":676.71,"end":686.575,"sentiment":"neutral","sentiment_score":0.2503631937283057},{"text":"But then at some point, once you've got that million dollars, we then start to protect it.","start":686.795,"end":690.975,"sentiment":"neutral","sentiment_score":0.08195422567865428},{"text":"K?","start":694.09,"end":694.59,"sentiment":"neutral","sentiment_score":0.06103367730975151},{"text":"Now what my advice would be at the moment, the the the other two things I want to brag with you, is when I look at the portfolio with that one option being switched out, overall, it looks really good.","start":694.89,"end":706.485,"sentiment":"neutral","sentiment_score":0.2541868332773447},{"text":"So that one thing kind of weighing you down recently, that's kind of been resolved.","start":707.445,"end":712.985,"sentiment":"neutral","sentiment_score":0.006797855595747629}],"sentiment":"neutral","sentiment_score":0.1848350290954113,"num_words":100,"start":676.71,"end":712.985},{"sentences":[{"text":"And when I look across all the options, there's nothing that really concerns me or I think it's like a an alarm bell to switch at this point.","start":713.125,"end":719.76,"sentiment":"neutral","sentiment_score":-0.0734760919585824},{"text":"Pretty much.","start":727.12,"end":727.94,"sentiment":"neutral","sentiment_score":-0.048611875623464584},{"text":"Yeah.","start":730.0,"end":730.4,"sentiment":"neutral","sentiment_score":0.027501080185174945},{"text":"That's right.","start":730.4,"end":731.22003,"sentiment":"neutral","sentiment_score":0.08913552761077881},{"text":"Basically, these things take a couple of months to happen.","start":738.73505,"end":741.79504,"sentiment":"neutral","sentiment_score":-0.1431245855987072}],"sentiment":"neutral","sentiment_score":-0.07860530341087385,"num_words":43,"start":713.125,"end":741.79504},{"sentences":[{"text":"So as that thing is happening, we flag it as a team, goes to our investment committee.","start":742.09503,"end":747.71,"sentiment":"neutral","sentiment_score":-0.018234756829984048},{"text":"They go under the hood and go, is this something that's likely to bounce back like normal?","start":747.71,"end":752.29004,"sentiment":"neutral","sentiment_score":-0.12111065580564387},{"text":"And only twice in my entire career have we ever looked at an option and gone, it's not gonna bounce back.","start":752.67,"end":759.41003,"sentiment":"negative","sentiment_score":-0.3617984851201375},{"text":"And that's because the bed along fund is actually at a point they're probably gonna wind up and close down in the next year or two.","start":759.71497,"end":766.695,"sentiment":"neutral","sentiment_score":-0.18611036212398455},{"text":"Most of the time, I just go look buy in, buy the dip, let the market go down, buy some more shares and property for a cheaper price.","start":768.915,"end":774.695,"sentiment":"neutral","sentiment_score":0.14690146542021207}],"sentiment":"neutral","sentiment_score":-0.09809420720904792,"num_words":109,"start":742.09503,"end":774.695},{"sentences":[{"text":"When you go up, you get a 30% return, everybody's happy.","start":774.89,"end":777.87,"sentiment":"positive","sentiment_score":0.3583933250470595},{"text":"But every now and then you go, it's not doing what it should be doing.","start":778.09,"end":782.43,"sentiment":"neutral","sentiment_score":-0.2608152950803439},{"text":"K?","start":785.61,"end":786.11,"sentiment":"neutral","sentiment_score":0.022635148838162426},{"text":"Now outside of that, though, the other two questions I wanted to broach with you is I like the portfolio.","start":786.25,"end":793.445,"sentiment":"neutral","sentiment_score":0.113790313154459},{"text":"Do you want me to look at any like, you've been in Netwealth for for almost six years now with O.","start":794.22504,"end":798.78503,"sentiment":"neutral","sentiment_score":0.06710600338521458}],"sentiment":"neutral","sentiment_score":0.054967126946019775,"num_words":68,"start":774.89,"end":798.78503},{"sentences":[{"text":"Q.","start":798.78503,"end":799.025,"sentiment":"neutral","sentiment_score":0.03948345780372619},{"text":"Financial.","start":799.025,"end":799.525,"sentiment":"neutral","sentiment_score":0.028585923835635185},{"text":"Do you want me to look at any other super funds to try and find some with some low fees and switch around with a similar portfolio, or you're happy to kind of let this one kind of do its thing?","start":799.985,"end":810.38,"sentiment":"neutral","sentiment_score":0.1008099958118869},{"text":"So there's a competitor to them, which has come up really strong recently I wanna consider for you.","start":821.005,"end":827.90497,"sentiment":"neutral","sentiment_score":0.14332743092543548},{"text":"And, basically, they've got the same amount of investment options, but they're just a bit better on the administration fees for holding the account.","start":828.045,"end":835.62,"sentiment":"neutral","sentiment_score":0.10890014717976253}],"sentiment":"neutral","sentiment_score":0.11052678233998663,"num_words":85,"start":798.78503,"end":835.62},{"sentences":[{"text":"So basically, what I would do, if you're okay, is just do a bit of a comparison, see if it's actually enough of a benefit to go through the admin to jump across, and see if there's anything else I can fix up on the portfolio if you're comfortable with me doing that.","start":835.62,"end":852.045,"sentiment":"neutral","sentiment_score":0.17964014059530115},{"text":"Yep.","start":860.32,"end":860.82,"sentiment":"neutral","sentiment_score":0.06995712220668793},{"text":"Okay.","start":863.28,"end":863.6,"sentiment":"neutral","sentiment_score":0.15291190147399902},{"text":"No.","start":863.6,"end":863.84,"sentiment":"neutral","sentiment_score":0.0854751318693161},{"text":"That's fine.","start":863.84,"end":864.16,"sentiment":"neutral","sentiment_score":0.2893824800848961}],"sentiment":"neutral","sentiment_score":0.1794489063322544,"num_words":58,"start":835.62,"end":864.16},{"sentences":[{"text":"And, look, there's nothing wrong with the the platform of Netwealth.","start":864.16,"end":867.38,"sentiment":"positive","sentiment_score":0.3526055094870654},{"text":"The feed is still competitive.","start":867.52,"end":868.74,"sentiment":"positive","sentiment_score":0.5408279299736023},{"text":"The investment menu is still, you know, top five in the country.","start":868.88,"end":872.1,"sentiment":"positive","sentiment_score":0.45567690829435986},{"text":"It's just like if I wanna try and find the the extra 1% for you, I can go away and do that.","start":872.255,"end":878.035,"sentiment":"neutral","sentiment_score":0.1805768416009166},{"text":"Cool.","start":880.175,"end":880.675,"sentiment":"positive","sentiment_score":0.41190069913864136}],"sentiment":"neutral","sentiment_score":0.32226498761013445,"num_words":51,"start":864.16,"end":880.675},{"sentences":[{"text":"When when it comes to the Colonial account, so the usual strategy with this situation is you've got your insurance is sitting over there.","start":881.455,"end":888.75,"sentiment":"neutral","sentiment_score":0.12405121885240078},{"text":"We usually like to maintain about 10,000 to keep the the insurance in force and then move funds across to invest into your your main funds.","start":888.97003,"end":898.75,"sentiment":"neutral","sentiment_score":0.13884501073222894},{"text":"Are you still okay with that idea for me to do a, like, a bit of a comparison between the two and look at a bit of a sweep across?","start":899.145,"end":905.885,"sentiment":"neutral","sentiment_score":0.13520325149099033},{"text":"Yeah.","start":918.13995,"end":918.45996,"sentiment":"neutral","sentiment_score":0.09825057536363602},{"text":"Yeah.","start":918.45996,"end":918.77997,"sentiment":"neutral","sentiment_score":0.0960441380739212}],"sentiment":"neutral","sentiment_score":0.13216575353247365,"num_words":82,"start":881.455,"end":918.77997},{"sentences":[{"text":"We can basically go through and look at I do need a little bit of research on your client, actually.","start":918.77997,"end":924.63995,"sentiment":"neutral","sentiment_score":0.0781467178836465},{"text":"But besides, once I've got the authority fixed up, I can break down the account, and we've got all the research tools to go under the hood and look at both funds side by side.","start":924.86,"end":936.315,"sentiment":"neutral","sentiment_score":0.08867864981293679},{"text":"Yeah.","start":958.245,"end":958.725,"sentiment":"neutral","sentiment_score":0.08691629767417908},{"text":"And I've got to give you a bit of a a dual comparison there because I can look back and go, this is the twelve months, but I'm also forward looking and saying which one's looking good going forward in terms of, you know, the switch that we just made a month until we got.","start":958.725,"end":972.56,"sentiment":"neutral","sentiment_score":0.12773771184411917},{"text":"Cool.","start":975.1,"end":975.6,"sentiment":"positive","sentiment_score":0.4847995340824127}],"sentiment":"neutral","sentiment_score":0.10949979539561484,"num_words":112,"start":918.77997,"end":975.6},{"sentences":[{"text":"I'll do that comparison there.","start":976.06,"end":977.5,"sentiment":"neutral","sentiment_score":0.3243666887283325},{"text":"I was just having a look at our new system because I'm trying to make sure the data's accurate since it's come across.","start":977.5,"end":982.705,"sentiment":"neutral","sentiment_score":0.1757952405706696},{"text":"Basically, there was a bit of an issue with a spelling error on an email address for an authority for us to contact them.","start":983.885,"end":992.705,"sentiment":"neutral","sentiment_score":-0.22856792466094097},{"text":"And there was a note there that you were gonna call Colonial just to update the email address so it could match.","start":993.005,"end":999.16,"sentiment":"neutral","sentiment_score":-0.04250284267420119},{"text":"Does that ring a bell from, like, the last twelve months or so?","start":999.45996,"end":1002.01996,"sentiment":"neutral","sentiment_score":-0.07882556577141468}],"sentiment":"neutral","sentiment_score":-0.02046323113742916,"num_words":87,"start":976.06,"end":1002.01996},{"sentences":[{"text":"Could it even been earlier?","start":1002.01996,"end":1003.32,"sentiment":"neutral","sentiment_score":-0.12216362357139587},{"text":"That's okay.","start":1006.74,"end":1007.3,"sentiment":"neutral","sentiment_score":-0.020352553576231003},{"text":"If you're okay with that, I'll get the team to kind of go through the authority so we can get a rundown and access to the account again just because it's one of the things that you've got to refresh every now and then.","start":1007.3,"end":1017.835,"sentiment":"neutral","sentiment_score":0.05195461953355169},{"text":"Cool.","start":1020.055,"end":1020.555,"sentiment":"neutral","sentiment_score":0.18654991686344147},{"text":"In terms of the insurances, though, really fantastic policy that they've got you in from CommonSure.","start":1021.09503,"end":1027.47,"sentiment":"positive","sentiment_score":0.38445969112217426}],"sentiment":"neutral","sentiment_score":0.11724095601889797,"num_words":68,"start":1002.01996,"end":1027.47},{"sentences":[{"text":"I don't know if you remember the news articles that came out about CommonSure back in the day.","start":1027.47,"end":1031.5701,"sentiment":"neutral","sentiment_score":-0.019878460922174983},{"text":"Yeah.","start":1037.035,"end":1037.275,"sentiment":"neutral","sentiment_score":-0.09158994257450104},{"text":"There was that huge scandal, and I ended up kind of winding down as an insurance company.","start":1037.275,"end":1042.255,"sentiment":"neutral","sentiment_score":-0.23817642909639022},{"text":"But what's happened is they've kind of grandfathered your policy across, and it's actually really good.","start":1042.475,"end":1049.6901,"sentiment":"neutral","sentiment_score":0.16067618713714182},{"text":"It's like $800 a year.","start":1049.6901,"end":1051.39,"sentiment":"positive","sentiment_score":0.3562904179096222}],"sentiment":"neutral","sentiment_score":-0.0025636921064895496,"num_words":57,"start":1027.47,"end":1051.39},{"sentences":[{"text":"You've got just under half a mil of life and CPD insurance for disability, and your income protection, they've been slowly increasing it with inflation to try and keep up with that.","start":1051.4501,"end":1062.815,"sentiment":"neutral","sentiment_score":0.15301411738619208},{"text":"Thirty day waiting period, three year benefits.","start":1063.835,"end":1066.5549,"sentiment":"neutral","sentiment_score":0.007563539647630283},{"text":"So if you're out of work for a month, kicks in monthly $8, and that'll keep going for up to two years if you're sick or injured for that long per injury.","start":1066.5549,"end":1074.735,"sentiment":"neutral","sentiment_score":-0.13751383044291288},{"text":"Now, basically, what I'm saying is that for that price for those three policies of cover, that's top 2% in the insurance space at the moment.","start":1076.1599,"end":1085.38,"sentiment":"neutral","sentiment_score":0.00647322491903861},{"text":"So I definitely wanna keep that going as long as it's an appropriate level of cover.","start":1087.855,"end":1092.4349,"sentiment":"positive","sentiment_score":0.4725030642002821}],"sentiment":"neutral","sentiment_score":0.07325050296298995,"num_words":113,"start":1051.4501,"end":1092.4349},{"sentences":[{"text":"Let me just quickly check this because like I said, it has increased.","start":1094.575,"end":1098.115,"sentiment":"neutral","sentiment_score":0.07961705613594788},{"text":"$8,000 a month, and they usually cover you for 75% for an old policy before 2021.","start":1101.07,"end":1109.89,"sentiment":"neutral","sentiment_score":0.1582484294194728},{"text":"So it's protecting you for an income of a 133,000.","start":1110.03,"end":1114.45,"sentiment":"neutral","sentiment_score":0.2728280112147331},{"text":"Now that gives you a bit of a buffer, but let's say you give them twelve months of financials when you claim, and they go, oh, you've only earned a 118.","start":1117.865,"end":1126.8451,"sentiment":"neutral","sentiment_score":0.11918946535837266},{"text":"They'll pay you 75% on that amount, and you would have paid a tiny bit extra for something that you couldn't have claimed on, if that makes sense.","start":1126.905,"end":1135.27,"sentiment":"neutral","sentiment_score":0.019287256257874624}],"sentiment":"neutral","sentiment_score":0.10745095218322714,"num_words":98,"start":1094.575,"end":1135.27},{"sentences":[{"text":"So it's a very affordable way to have a buffer.","start":1137.65,"end":1141.09,"sentiment":"positive","sentiment_score":0.4553425133228302},{"text":"So when your income increases, your insurance has already kept up with it without the premium skyrocketing.","start":1141.09,"end":1146.485,"sentiment":"neutral","sentiment_score":0.19589760373620427},{"text":"But I just wanna make you aware that if you go through a claim, the payment might not be exactly the same.","start":1146.865,"end":1152.725,"sentiment":"neutral","sentiment_score":-0.11887486617673527},{"text":"Yeah.","start":1157.68,"end":1157.92,"sentiment":"neutral","sentiment_score":-0.007818607613444328},{"text":"Up into the maximum of, again, 130 3,000.","start":1157.92,"end":1161.54,"sentiment":"neutral","sentiment_score":-0.008446864783763885}],"sentiment":"neutral","sentiment_score":0.08953523818917315,"num_words":58,"start":1137.65,"end":1161.54},{"sentences":[{"text":"Yep.","start":1161.92,"end":1162.42,"sentiment":"neutral","sentiment_score":0.02589832805097103},{"text":"What about the life in CPD?","start":1166.24,"end":1167.68,"sentiment":"neutral","sentiment_score":0.032313800106445946},{"text":"So that 400,000 plus your super, the last time we checked your liability, your mortgage was about $6.90.","start":1167.68,"end":1175.335,"sentiment":"neutral","sentiment_score":0.04046856487790743},{"text":"So that's pretty much cleared by the insurance combined with the super at the moment to leave the family essentially debt free.","start":1177.395,"end":1183.41,"sentiment":"neutral","sentiment_score":0.21905528855594722},{"text":"Is that kind of your aim for that type of cover?","start":1183.41,"end":1185.75,"sentiment":"neutral","sentiment_score":0.11760257760232146}],"sentiment":"neutral","sentiment_score":0.12174241376462681,"num_words":58,"start":1161.92,"end":1185.75},{"sentences":[{"text":"Perfect.","start":1188.69,"end":1189.19,"sentiment":"positive","sentiment_score":0.5077507495880127},{"text":"And I'm assuming you still wanna make sure that your partner's listed as beneficiary for the life insurance and the both super accounts?","start":1189.25,"end":1196.15,"sentiment":"neutral","sentiment_score":0.15210786332254825},{"text":"So I'll double check those just to make sure nothing's clicked off like a latching nomination or anything.","start":1198.305,"end":1203.605,"sentiment":"neutral","sentiment_score":0.00345299093815912},{"text":"And, basically, what I wanna do is I'll do that, update a comparison for you.","start":1203.905,"end":1209.525,"sentiment":"neutral","sentiment_score":0.10761254181464514},{"text":"We'll compare the Netwealth and the Colonial, see if we need to change anything and the recommendations.","start":1209.73,"end":1214.5499,"sentiment":"neutral","sentiment_score":0.1907895987524706}],"sentiment":"neutral","sentiment_score":0.12062157768790761,"num_words":74,"start":1188.69,"end":1214.5499},{"sentences":[{"text":"I'll include any info about the estate planning if I need to, and I'll factor in the premiums for the insurances and so on.","start":1214.9299,"end":1222.785,"sentiment":"neutral","sentiment_score":0.1742890765890479},{"text":"Alrighty.","start":1225.3451,"end":1225.8451,"sentiment":"neutral","sentiment_score":0.18082934617996216},{"text":"Mate, two more questions for you, but do you have any questions so far?","start":1225.985,"end":1229.125,"sentiment":"neutral","sentiment_score":0.11050087958574295},{"text":"K.","start":1232.545,"end":1233.045,"sentiment":"neutral","sentiment_score":0.044542133808135986},{"text":"Just in terms of estate planning, did you end up putting in place a will and power of attorney?","start":1233.265,"end":1238.3251,"sentiment":"neutral","sentiment_score":0.025645589848098}],"sentiment":"neutral","sentiment_score":0.1091964040582968,"num_words":59,"start":1214.9299,"end":1238.3251},{"sentences":[{"text":"Yeah.","start":1242.36,"end":1242.86,"sentiment":"neutral","sentiment_score":-0.08160778135061264},{"text":"K.","start":1246.12,"end":1246.62,"sentiment":"neutral","sentiment_score":0.002644049935042858},{"text":"And, like, a will for where the house goes and cars and cash and all that kind of thing?","start":1246.92,"end":1252.3,"sentiment":"neutral","sentiment_score":0.016679577284345503},{"text":"No.","start":1253.325,"end":1253.825,"sentiment":"neutral","sentiment_score":-0.19627897441387177},{"text":"That's fine.","start":1255.1649,"end":1256.065,"sentiment":"neutral","sentiment_score":0.16148390993475914}],"sentiment":"neutral","sentiment_score":0.015193211768443385,"num_words":24,"start":1242.36,"end":1256.065},{"sentences":[{"text":"If it does help and if you do feel it's important, obviously, people go to lawyers for will, but there's also public trustees of every state that do appointments like the courthouse.","start":1256.365,"end":1267.1849,"sentiment":"neutral","sentiment_score":0.11299627390690148},{"text":"And even the post office has government approved will kits for, like, 20 plus bucks.","start":1267.71,"end":1273.5499,"sentiment":"neutral","sentiment_score":0.07899738773703575},{"text":"So if that kind of helps a little bit.","start":1273.5499,"end":1275.97,"sentiment":"neutral","sentiment_score":0.11785451281401846},{"text":"Yeah.","start":1278.99,"end":1279.39,"sentiment":"neutral","sentiment_score":0.08067244291305542},{"text":"Draft it yourself.","start":1279.39,"end":1280.27,"sentiment":"neutral","sentiment_score":0.08797476192315419}],"sentiment":"neutral","sentiment_score":0.10343548208475113,"num_words":60,"start":1256.365,"end":1280.27},{"sentences":[{"text":"Get it witnessed and signed by, you know, JP's and witnesses and everything.","start":1280.27,"end":1284.1849,"sentiment":"neutral","sentiment_score":0.0920478506730153},{"text":"And they're they're legal approved.","start":1284.405,"end":1286.885,"sentiment":"neutral","sentiment_score":0.08584890365600586},{"text":"That's why they kind of supply through AusPost.","start":1286.885,"end":1289.145,"sentiment":"neutral","sentiment_score":0.04164174618199468},{"text":"Yeah.","start":1291.9249,"end":1292.165,"sentiment":"neutral","sentiment_score":-0.016294848173856735},{"text":"They're not the fanciest thing, but if it's just for a half car and cash.","start":1292.165,"end":1295.465,"sentiment":"neutral","sentiment_score":-0.08029138098160425}],"sentiment":"neutral","sentiment_score":0.017579404371125356,"num_words":42,"start":1280.27,"end":1295.465},{"sentences":[{"text":"Absolutely.","start":1299.61,"end":1300.11,"sentiment":"neutral","sentiment_score":0.1745210587978363},{"text":"If you have any questions on that anytime, I just let me know.","start":1300.8099,"end":1303.53,"sentiment":"neutral","sentiment_score":0.173323114330952},{"text":"But I just thought I'd give you a couple options there if that helps.","start":1303.53,"end":1306.59,"sentiment":"neutral","sentiment_score":0.17245399206876755},{"text":"Alrighty.","start":1309.155,"end":1309.655,"sentiment":"neutral","sentiment_score":0.25898534059524536},{"text":"So I'll get the team to kind of reach out for that research on Colonial.","start":1310.675,"end":1315.415,"sentiment":"neutral","sentiment_score":0.22814243634541828}],"sentiment":"neutral","sentiment_score":0.19370907545089722,"num_words":44,"start":1299.61,"end":1315.415},{"sentences":[{"text":"As soon as I've got that down, I'll do the comparisons and put the updated statement of advice together for you.","start":1315.4751,"end":1321.41,"sentiment":"neutral","sentiment_score":0.30186788950647625},{"text":"Now just given the time that it takes them to, a, update the email address if they need to, approve the authority, do the research, put the plan together, I'm pretty much gonna be contacting well, the team will be in touch with you over the next few weeks a couple of times, and then we'll be probably speaking just before the end of financial year to go through the updated plan.","start":1322.29,"end":1343.595,"sentiment":"neutral","sentiment_score":0.10229620580664939},{"text":"Cool.","start":1343.595,"end":1344.095,"sentiment":"positive","sentiment_score":0.37556636333465576},{"text":"Included in there as well in that email I've sent you, that sign button that you saw at the top, that's for the service agreement and tax file number opt in there as well.","start":1348.12,"end":1357.1,"sentiment":"neutral","sentiment_score":0.17611617069034016},{"text":"So if you're still happy with the service, we still charge the 1.65%.","start":1357.4,"end":1362.7,"sentiment":"positive","sentiment_score":0.34889888534179103}],"sentiment":"neutral","sentiment_score":0.17449471045364726,"num_words":141,"start":1315.4751,"end":1362.7},{"sentences":[{"text":"Spread that out over the twelve months into the little repayments, 15 percent tax rebate, the super fund claims.","start":1363.105,"end":1369.605,"sentiment":"neutral","sentiment_score":0.2723039365128467},{"text":"But other than that, are we touching on it again when we do the updated plan just to make sure you're actually happy with what I'm proposing and can give you consent then as well.","start":1369.985,"end":1379.36,"sentiment":"neutral","sentiment_score":0.16124059323753628},{"text":"Cool.","start":1382.2999,"end":1382.7999,"sentiment":"neutral","sentiment_score":0.164244145154953},{"text":"Any questions for me so far, mate?","start":1383.2599,"end":1385.2799,"sentiment":"neutral","sentiment_score":0.08878090019736971},{"text":"Yep.","start":1406.84,"end":1407.34,"sentiment":"neutral","sentiment_score":0.051343172788619995}],"sentiment":"neutral","sentiment_score":0.18498808216480983,"num_words":63,"start":1363.105,"end":1407.34},{"sentences":[{"text":"Yeah.","start":1425.015,"end":1425.255,"sentiment":"neutral","sentiment_score":0.026547394692897797},{"text":"So the way the the professionals work, so overview financial, we're financial advisers.","start":1425.255,"end":1431.1699,"sentiment":"neutral","sentiment_score":0.05333595121136078},{"text":"We kind of sit in the middle of your financial travel agent.","start":1431.1699,"end":1435.09,"sentiment":"neutral","sentiment_score":0.03843247828384241},{"text":"Right?","start":1435.09,"end":1435.59,"sentiment":"neutral","sentiment_score":0.04771709442138672},{"text":"Go with this airline.","start":1435.6499,"end":1437.2699,"sentiment":"neutral","sentiment_score":0.09526517987251282}],"sentiment":"neutral","sentiment_score":0.051931687540585,"num_words":31,"start":1425.015,"end":1437.2699},{"sentences":[{"text":"Go with the tickets for the extra baggage.","start":1437.4099,"end":1439.51,"sentiment":"neutral","sentiment_score":0.14139013271778822},{"text":"Here's the product.","start":1439.57,"end":1440.45,"sentiment":"neutral","sentiment_score":0.12398069848616917},{"text":"This is what you're trying to get to in terms of goals.","start":1440.45,"end":1443.19,"sentiment":"neutral","sentiment_score":0.13813953412075838},{"text":"You've got mortgage brokers who specialize in getting the loans.","start":1443.765,"end":1447.785,"sentiment":"neutral","sentiment_score":0.06387546621263027},{"text":"You've got buyers' agents who specialize in finding a property.","start":1448.645,"end":1453.9451,"sentiment":"neutral","sentiment_score":0.06339410543441773}],"sentiment":"neutral","sentiment_score":0.10310309960745102,"num_words":43,"start":1437.4099,"end":1453.9451},{"sentences":[{"text":"And then the advisers, we go through the strategies, projections, and also just the general education as well.","start":1455.4451,"end":1462.62,"sentiment":"neutral","sentiment_score":0.1511106077167723},{"text":"So have you ever gone through any kind of lending besides just when you first bought the property?","start":1462.76,"end":1468.46,"sentiment":"neutral","sentiment_score":-0.0055840833940439755},{"text":"K.","start":1472.125,"end":1472.365,"sentiment":"neutral","sentiment_score":-0.0519673228263855},{"text":"I won't kind of info dump at you right now, but the the main thing to to remember is have you heard of the concept of LVR before?","start":1472.365,"end":1480.945,"sentiment":"neutral","sentiment_score":-0.08306094871035644},{"text":"K.","start":1483.74,"end":1483.9,"sentiment":"neutral","sentiment_score":-0.04615729674696922}],"sentiment":"neutral","sentiment_score":0.002964337187057192,"num_words":66,"start":1455.4451,"end":1483.9},{"sentences":[{"text":"So that's essentially loan to value ratio.","start":1483.9,"end":1487.12,"sentiment":"neutral","sentiment_score":-0.044910414410488944},{"text":"So when the bank does the lending, they go, how much debt are we talking about or how much assets that are being put up as security?","start":1487.66,"end":1495.92,"sentiment":"neutral","sentiment_score":-0.0317000370748617},{"text":"So I've got the previous value at 1,500,000.","start":1496.445,"end":1499.9049,"sentiment":"neutral","sentiment_score":-0.02854587504407391},{"text":"I was gonna do a bit of an update online just to see if that's jumped up a little bit, but do you know what the value might be right now?","start":1500.0449,"end":1505.985,"sentiment":"neutral","sentiment_score":-0.03746120487490008},{"text":"Yes.","start":1508.7,"end":1509.2,"sentiment":"neutral","sentiment_score":0.042680516839027405}],"sentiment":"neutral","sentiment_score":-0.034016996439596686,"num_words":74,"start":1483.9,"end":1509.2},{"sentences":[{"text":"Yep.","start":1512.86,"end":1513.36,"sentiment":"neutral","sentiment_score":0.028127286583185196},{"text":"Perfect.","start":1514.94,"end":1515.34,"sentiment":"positive","sentiment_score":0.3673824071884155},{"text":"So let's go conservative one point a.","start":1515.34,"end":1517.9199,"sentiment":"neutral","sentiment_score":0.1855795830488205},{"text":"When you go more debt than 80% of your property value, they hit you with LMI, which is lenders mortgage insurance, which is essentially just an extra huge fee, which on your property value could be upwards of 25 to 50,000 that gets tacked onto the loan if you take on that much debt.","start":1518.46,"end":1538.435,"sentiment":"neutral","sentiment_score":-0.17080720790006496},{"text":"If you go below 80%, you get the better interest rates and you get to avoid that huge fee, which essentially means you don't wanna go over about 1,400,000 worth of debt for the property values.","start":1540.73,"end":1554.525,"sentiment":"neutral","sentiment_score":0.05391022594024738}],"sentiment":"neutral","sentiment_score":-0.05644701330950766,"num_words":99,"start":1512.86,"end":1554.525},{"sentences":[{"text":"Now if you're owing, let's say, $6.90 and you've got another 700,000 of equity sitting there that you can use, You can use a few 100,000 of that as a deposit for the next place, and the next place is probably gonna be fully, like, full debt.","start":1556.9851,"end":1573.8999,"sentiment":"neutral","sentiment_score":0.12014925852417946},{"text":"So I'll give you an example just briefly with with my property.","start":1578.215,"end":1581.355,"sentiment":"neutral","sentiment_score":0.08576210929701726},{"text":"So I bought this place in probably the, you know, worst street, worst suburb as a starter home many years ago, and it went from 340,000 up to 800,000.","start":1581.975,"end":1595.72,"sentiment":"neutral","sentiment_score":-0.10183424386998703},{"text":"So we have that debt of a couple of $100.","start":1596.5,"end":1598.92,"sentiment":"neutral","sentiment_score":-0.05472281873226166},{"text":"We released a couple of 100,000 of equity to go buy another place in North Queensland, and that was about 600,000.","start":1599.38,"end":1606.84,"sentiment":"neutral","sentiment_score":0.01214297381894929}],"sentiment":"neutral","sentiment_score":0.028829761788624675,"num_words":119,"start":1556.9851,"end":1606.84},{"sentences":[{"text":"So what we ended up with was our original mortgage sitting on the house, the deposit loan also sitting on the house, but that is an investment loan because it's for investment purposes.","start":1607.555,"end":1620.615,"sentiment":"neutral","sentiment_score":0.02588747368391716},{"text":"And then all of the debt on the investment property.","start":1623.52,"end":1626.58,"sentiment":"neutral","sentiment_score":0.016816612519323825},{"text":"So three loans, original mortgage, the deposit, and the investment loan.","start":1627.12,"end":1632.0,"sentiment":"neutral","sentiment_score":0.06184787946668538},{"text":"Does that make sense so far?","start":1632.0,"end":1633.5399,"sentiment":"neutral","sentiment_score":0.10914621874690056},{"text":"Yep.","start":1636.085,"end":1636.485,"sentiment":"neutral","sentiment_score":0.09135042876005171}],"sentiment":"neutral","sentiment_score":0.04014765855963113,"num_words":61,"start":1607.555,"end":1636.485},{"sentences":[{"text":"So then, basically, what that means is that my repayments for my home, if I used it for the deposit, they've jumped up a little bit because I've increased my debt to finance the next place.","start":1636.485,"end":1647.5449,"sentiment":"neutral","sentiment_score":-0.06584390583965513},{"text":"So that went up another 150 a week, so I had to factor that into the budget.","start":1647.7699,"end":1651.87,"sentiment":"neutral","sentiment_score":-0.040013145436258876},{"text":"And then on the second hand, the rent that I'm getting from the investment property, does that cover the loan on that investment property that it's k?","start":1652.0099,"end":1664.7151,"sentiment":"neutral","sentiment_score":0.004273168880630423},{"text":"The last thing I wanna say is a good kind of rule of thumb is let's say you buy a, let's just say, use an investment property for $800,000 as an example.","start":1664.935,"end":1678.97,"sentiment":"neutral","sentiment_score":0.0509284624713473},{"text":"If you use the $200,000 deposit from your main home and you now owe 600,000 on the investment property, you kind of wanna be getting at least $800 a week in rent.","start":1679.9099,"end":1694.385,"sentiment":"neutral","sentiment_score":0.00690678451792337}],"sentiment":"neutral","sentiment_score":-0.007531254300071548,"num_words":144,"start":1636.485,"end":1694.385},{"sentences":[{"text":"So 800,000, 800 a week, 900,900 a week.","start":1694.525,"end":1698.465,"sentiment":"neutral","sentiment_score":0.02854351350106299},{"text":"What that basically does, it means you're getting a 5% rental return on the value of the whole property.","start":1700.4299,"end":1707.6499,"sentiment":"neutral","sentiment_score":0.16193236606685737},{"text":"And because the loan is only 600,000 on that side, the 800 a week should be able to cover the loan, the agent's fees, the insurances, and so on.","start":1710.75,"end":1721.545,"sentiment":"neutral","sentiment_score":0.09899880071491773},{"text":"For that deposit.","start":1736.98,"end":1737.8,"sentiment":"neutral","sentiment_score":0.004488738564153512},{"text":"Yep.","start":1740.9249,"end":1741.4249,"sentiment":"neutral","sentiment_score":0.09390610456466676}],"sentiment":"neutral","sentiment_score":0.1047233434044756,"num_words":60,"start":1694.525,"end":1741.4249},{"sentences":[{"text":"Exactly right.","start":1741.8049,"end":1742.865,"sentiment":"neutral","sentiment_score":0.10584449023008347},{"text":"The other thing is obviously consider things like like repairs, vacancy, and all that kind of thing.","start":1743.005,"end":1749.085,"sentiment":"neutral","sentiment_score":-0.023786709698684076},{"text":"So anything above that 800,800 a week, that pushes you more into the positively geared.","start":1749.085,"end":1755.09,"sentiment":"neutral","sentiment_score":-0.02263770451148351},{"text":"If you're getting below that, you're gonna be hitting negative gearing.","start":1755.47,"end":1759.33,"sentiment":"neutral","sentiment_score":-0.25867849588394165},{"text":"And unless it's a new property because of the new changes that are gonna come through, you're not gonna be able to claim it on your tax.","start":1759.63,"end":1765.935,"sentiment":"neutral","sentiment_score":-0.1082657147888784}],"sentiment":"neutral","sentiment_score":-0.08751233897378875,"num_words":72,"start":1741.8049,"end":1765.935},{"sentences":[{"text":"So newly built or one that you build, that's great.","start":1769.935,"end":1773.155,"sentiment":"positive","sentiment_score":0.5066509217023849},{"text":"But then just, you know, double check with your accountant about what that's gonna look like while it's being built.","start":1773.775,"end":1779.4751,"sentiment":"neutral","sentiment_score":-0.03343341844156385},{"text":"But generally speaking, if you can get that amount of rent for that amount of property and keep it either just negatively geared, then you don't have to put too much of a bill, or positively geared, you should be okay.","start":1779.84,"end":1792.58,"sentiment":"neutral","sentiment_score":-0.08729100363647066},{"text":"Anything worse than that, you're gonna give yourself a lot of grief for about three to five years before it does anything.","start":1793.025,"end":1798.405,"sentiment":"negative","sentiment_score":-0.3866810940883376},{"text":"K?","start":1802.0651,"end":1802.545,"sentiment":"neutral","sentiment_score":-0.0546320341527462}],"sentiment":"neutral","sentiment_score":-0.08236921707445637,"num_words":94,"start":1769.935,"end":1802.545},{"sentences":[{"text":"So I've kind of just dumped about six things at you on one go, but I just wanted to give you that idea of you go to the lenders in the bank or the broker, you figure out your 80%, find the property, what does it rent for, have a bit of a calculation on how negatively or positively geared it might be, and what that might do to your your family budget to borrow to get that.","start":1802.545,"end":1826.325,"sentiment":"neutral","sentiment_score":-0.04350874318669622},{"text":"Okay?","start":1827.025,"end":1827.525,"sentiment":"neutral","sentiment_score":0.04503589868545532},{"text":"Now outside of that, if you ever need a broker, buyer's agent, whatever you need, like, we've obviously got a network of people across the country, just let me know and I can get you a referral.","start":1829.025,"end":1839.0,"sentiment":"neutral","sentiment_score":0.09852484236093792},{"text":"If you've already got someone, happy with that.","start":1839.22,"end":1841.48,"sentiment":"neutral","sentiment_score":0.1936703845858574},{"text":"Cool.","start":1845.22,"end":1845.62,"sentiment":"positive","sentiment_score":0.4996722340583801}],"sentiment":"neutral","sentiment_score":0.01876646726578474,"num_words":125,"start":1802.545,"end":1845.62},{"sentences":[{"text":"Any questions on that?","start":1845.62,"end":1846.9199,"sentiment":"neutral","sentiment_score":-0.03521551378071308},{"text":"Sensational.","start":1850.5549,"end":1851.0549,"sentiment":"negative","sentiment_score":-0.4415053427219391},{"text":"So, Janet, mate, if you're okay for the team to reach out over the next couple of weeks just to get that colonial research fixed up for me, I will pretty much be speaking to you end of June, and I'll kind of let you know what the recommendations are from there.","start":1851.195,"end":1864.87,"sentiment":"neutral","sentiment_score":0.15118540454512605},{"text":"Awesome.","start":1867.65,"end":1868.15,"sentiment":"positive","sentiment_score":0.8097461462020874},{"text":"Have a fantastic day.","start":1868.37,"end":1869.73,"sentiment":"positive","sentiment_score":0.6734254956245422}],"sentiment":"neutral","sentiment_score":0.1739148672129358,"num_words":62,"start":1845.62,"end":1869.73},{"sentences":[{"text":"If you have any trouble with that digital email, just call through and the team can walk you through it.","start":1869.73,"end":1874.2769,"sentiment":"neutral","sentiment_score":0.2805564202368259},{"text":"No worries at all, mate.","start":1877.5569,"end":1878.5168,"sentiment":"neutral","sentiment_score":0.32206147313117983},{"text":"I'll talk to you again soon.","start":1878.5168,"end":1879.6569,"sentiment":"positive","sentiment_score":0.416906679670016},{"text":"Thanks.","start":1881.5569,"end":1881.9569,"sentiment":"positive","sentiment_score":0.5764892101287842},{"text":"Bye.","start":1881.9569,"end":1882.4569,"sentiment":"neutral","sentiment_score":-0.10436324030160904}],"sentiment":"neutral","sentiment_score":0.3089394490375663,"num_words":33,"start":1869.73,"end":1882.4569}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thanks, Bill. Okay. Yeah. Yeah. Yeah. That's fine. Yeah. That one looks fine. Yeah. 09/27/1995. 10 Goola Street, Seabirdown, South Australia. Yes. That's fine. Mhmm. Yeah. No. I think we can I can kinda just look on through it? Yeah. Mhmm. Okay. No. I guess, you know, just in terms of performance and stuff and how we're doing. So yep. Mhmm. Okay. I'm just checking my spam. Tommy yep. Here we go. Yep. Yeah. Yeah. Yeah. Yeah. At the time, well, yeah. Yeah. Mhmm. No. No. Not at this stage. No. This is so, actually, you know, yeah, we'll probably be looking to build sorry. Or build or buy is what we're currently working on. Yep. Oh, yeah. Yeah. I've been looking into that. Mhmm. Yeah. No worries. Yep. Mhmm. So I'm just it's just basically saying it's fine document. Is that the one starting to do? I haven't got any assessment. Yeah. Mhmm. Oh, yeah. Right at the bottom. Yeah. Yeah. Yep. So which one am I looking at? Okay. Yep. Yep. One second. Okay. Yep. Yeah. Yep. To be honest, that's one thing I probably missed. The last six months for sure. Yep. But I have kind of got it in the back of my mind. I'm not sure that you can't be performing that well, but yeah. Yeah. Yeah. Yeah. Yeah. Yep. Okay. So NetWell super asset performance detail. Yeah? Yep. Yep. Yep. Mhmm. Yep. Mhmm. Oh, yeah. To be honest with that, but yeah. Okay. Mhmm. Mhmm. Mhmm. Yep. Yeah. Mhmm. Yeah. Okay. Mhmm. I think probably at this stage, I wouldn't yeah. I don't think, you know, I don't wanna make any sort of drastic changes right now. Yeah. I mean, what are you what are your thoughts on that? Yeah. You know, I guess, everyone will wanna retire as early as possible. Yeah. Yeah. Hope he wins the lotto tonight and be out of work. Yeah. That'd be good. Yeah. Yes. Yes. Yeah. Yep. Yep. Yeah. Okay. Yes. Okay. Yes. So, basically, if it wasn't for that, we would have been up by about 10,000 to 11,000. Because at the moment, it's basically just a breakeven. Right? Yeah. Okay. And so why wasn't the decision made earlier to switch? Yeah. Yeah. Yeah. Okay. Yeah. Okay. Yep. Are there any others that are got a better portfolio in terms of less fees and stuff? Or mhmm. Yep. Yes. Yeah. No. I think maybe maybe that might be another question for, you know, question for next next annual review. I think at this moment, we might leave it as it is. Yeah. Yeah. Okay. Yeah. Mhmm. Yeah. I think, yes. I'd like to also understand in terms of now in Colonial, like, you'll be able to compare to see where I've lost in Colonial as well. Right? Yep. Mhmm. Yeah. So I guess, yeah, I guess it's yeah. I guess what would be better, good for me to understand is, you know, in terms of performance wise, on the two are colonial versus, you know, in terms of, like, what we're investing through Networld. How much was Netwealth better or how much was you know, is it Colonial? What which one was better off for me for the last, you know, twelve months or so? Yep. Yeah. Yeah. Okay. Yep. Yep. Okay. To be honest, no. Yeah. Yep. Okay. Mhmm. I think I do that. Yeah. Correct. Yeah. Yes. Yes. Okay. Yep. Mhmm. Okay. Yep. Okay. Yep. Yes. Okay. Yep. Yeah. Okay. Yep. Yep. Yep. Mhmm. Yeah. It's 75% of the total. Right? Of a hundred and thirty. Yeah. Yeah. Yeah. Yeah. Yeah. That's fine. Yep. Yeah. Yeah. Yeah. Yeah. That's fine. Yeah. Yep. Sure. Mhmm. Mhmm. Yep. Okay. No. No. I'm really okay. Yep. Power returning? No. It's not happening. No. I haven't done any of that. Okay. And you just and you just, like, drop it yourself. Yeah? Yeah. Okay. Okay. Yeah. That's something that that's something that happened in today. Yeah. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Okay. Yeah. Yeah. Yep. Yep. Mhmm. Yep. Okay. No. Not at this stage. I guess I tend to, like, financial advice in terms of, like, you know you know, when we're looking to buy a house. Right? Say, like, for instance, like, investment property, in terms of, like, the cover through Netwealth and through my business and such in terms of which I already pay, is there any sort of, like, someone that gives guidance in terms of, like, what I should what my options would be on the terms of how to use, I guess, equity in my house for such device and things and so on? Yeah. Yep. Yeah. No. No. I haven't. No. Mhmm. Of my plate? Oh, yeah. If you've got a 1.8, I'd say. 1.8 to 2. Yeah. Yep. Mhmm. Yep. Okay. Yep. Yep. Okay. Yep. Mhmm. Yeah. Yeah. Yeah. Okay. Yep. Mhmm. Yep. Mhmm. Mhmm. Yeah. Okay. Yeah. Okay. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yep. Yeah. Okay. Okay. Yep. Yeah. Okay. Yeah. Okay. Yeah. How about the mortgage? Yeah. Yeah. Right. So you're basically just only paying for a 100 or whatever it is that you're paying on your personal loan because of the what's the code? Yeah. For that deposit. Yeah. Yeah. Okay. Yeah. Yep. Yeah. Yeah. Yep. Mhmm. Yeah. Mhmm. Yeah. Okay. Mhmm. Okay. Yep. Yep. Okay. Okay. Yeah. No worries. Okay. Perfect. No. No. Not working. Yep. Okay. Alright. Sounds good then. Okay. Perfect. No worries. Thanks for reaching out. Alright. Thanks. Bye.","confidence":0.96435547,"words":[{"word":"hello","start":0.88,"end":1.38,"confidence":0.513916,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.03453127294778824},{"word":"yeah","start":7.3599997,"end":7.68,"confidence":0.69714355,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25625544786453247},{"word":"good","start":7.68,"end":7.8399997,"confidence":0.6491699,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5605746507644653},{"word":"thanks","start":7.8399997,"end":8.16,"confidence":0.8544922,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7197508811950684},{"word":"bill","start":8.16,"end":8.66,"confidence":0.5647583,"punctuated_word":"Bill.","sentiment":"positive","sentiment_score":0.6600970029830933},{"word":"okay","start":14.96,"end":15.28,"confidence":0.7939453,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13104863464832306},{"word":"yeah","start":15.28,"end":15.765,"confidence":0.8137207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18605227768421173},{"word":"yeah","start":20.645,"end":21.045,"confidence":0.66015625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09198400378227234},{"word":"yeah","start":21.045,"end":21.205,"confidence":0.93652344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13047140836715698},{"word":"that's","start":21.205,"end":21.525,"confidence":0.7722168,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.23617178201675415},{"word":"fine","start":21.525,"end":22.025,"confidence":0.9975586,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.3199217617511749},{"word":"yeah","start":38.29,"end":38.69,"confidence":0.80371094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19197526574134827},{"word":"that","start":38.69,"end":38.769997,"confidence":0.16711426,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.31147879362106323},{"word":"one","start":38.769997,"end":39.01,"confidence":0.3996582,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.26906102895736694},{"word":"looks","start":39.01,"end":39.25,"confidence":0.38208008,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.34045225381851196},{"word":"fine","start":39.25,"end":39.75,"confidence":0.9086914,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.32831037044525146},{"word":"yeah","start":49.504997,"end":49.745,"confidence":0.9226074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0184570774435997},{"word":"09/27/1995","start":49.745,"end":51.765,"confidence":0.6380615,"punctuated_word":"09/27/1995.","sentiment":"neutral","sentiment_score":0.016699064522981644},{"word":"10","start":52.625,"end":52.864998,"confidence":0.80566406,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.015701670199632645},{"word":"goola","start":52.864998,"end":53.184998,"confidence":0.54577637,"punctuated_word":"Goola","sentiment":"neutral","sentiment_score":0.0335802398622036},{"word":"street","start":53.184998,"end":53.504997,"confidence":0.87597656,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.02320089563727379},{"word":"seabirdown","start":53.504997,"end":54.004997,"confidence":0.92402345,"punctuated_word":"Seabirdown,","sentiment":"neutral","sentiment_score":0.05203241854906082},{"word":"south","start":54.065,"end":54.39,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.05603322386741638},{"word":"australia","start":54.55,"end":55.05,"confidence":0.9995117,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.060091532766819},{"word":"yes","start":59.03,"end":59.35,"confidence":0.71362305,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07013607770204544},{"word":"that's","start":59.35,"end":59.59,"confidence":0.9951172,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11568059772253036},{"word":"fine","start":59.59,"end":60.09,"confidence":0.9970703,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.15610426664352417},{"word":"mhmm","start":65.99,"end":66.405,"confidence":0.97998047,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04267857223749161},{"word":"yeah","start":72.325,"end":72.565,"confidence":0.9770508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005824476480484009},{"word":"no","start":72.565,"end":72.885,"confidence":0.9746094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03825471550226211},{"word":"i","start":72.885,"end":72.965,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.022511087357997894},{"word":"think","start":72.965,"end":73.125,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.018864348530769348},{"word":"we","start":73.125,"end":73.284996,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01584750786423683},{"word":"can","start":73.284996,"end":73.784996,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03310474008321762},{"word":"i","start":74.325,"end":74.485,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06192419305443764},{"word":"can","start":74.485,"end":74.645,"confidence":0.9921875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.05742141604423523},{"word":"kinda","start":74.645,"end":74.884995,"confidence":0.69873047,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.028842158615589145},{"word":"just","start":74.884995,"end":75.125,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.019716929644346237},{"word":"look","start":75.125,"end":75.284996,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03286760672926903},{"word":"on","start":75.284996,"end":75.445,"confidence":0.9716797,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.031190797686576843},{"word":"through","start":75.445,"end":75.685,"confidence":0.9741211,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03861203044652939},{"word":"it","start":75.685,"end":75.765,"confidence":0.9250488,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.033006452023983},{"word":"yeah","start":75.765,"end":76.265,"confidence":0.98413086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.057146649807691574},{"word":"mhmm","start":93.06,"end":93.299995,"confidence":0.88793945,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05189893767237663},{"word":"okay","start":93.299995,"end":93.799995,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.058141350746154785},{"word":"no","start":100.845,"end":101.085,"confidence":0.8129883,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09287793189287186},{"word":"i","start":101.085,"end":101.245,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08092177659273148},{"word":"guess","start":101.245,"end":101.485,"confidence":0.9604492,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.08405311405658722},{"word":"you","start":101.485,"end":101.645004,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09247122704982758},{"word":"know","start":101.645004,"end":101.725,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12706001102924347},{"word":"just","start":101.725,"end":101.965004,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05404923856258392},{"word":"in","start":101.965004,"end":102.045,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.038650427013635635},{"word":"terms","start":102.045,"end":102.365005,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.04133438691496849},{"word":"of","start":102.365005,"end":102.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.028111696243286133},{"word":"performance","start":102.525,"end":102.925,"confidence":0.9902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.04367431253194809},{"word":"and","start":102.925,"end":103.085,"confidence":0.9589844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04660019651055336},{"word":"stuff","start":103.085,"end":103.325005,"confidence":0.97802734,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.035080231726169586},{"word":"and","start":103.325005,"end":103.405,"confidence":0.9135742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04604105278849602},{"word":"how","start":103.405,"end":103.645004,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.02573590725660324},{"word":"we're","start":103.645004,"end":103.805,"confidence":0.9868164,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.028189584612846375},{"word":"doing","start":103.805,"end":104.005005,"confidence":0.8684082,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.043410565704107285},{"word":"so","start":104.005005,"end":104.205,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014079276472330092},{"word":"yep","start":104.685005,"end":105.185005,"confidence":0.8570964,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.05031891539692879},{"word":"mhmm","start":107.965004,"end":108.465004,"confidence":0.9416504,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.006899313535541296},{"word":"okay","start":120.19,"end":120.69,"confidence":0.8461914,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0073222629725933075},{"word":"i'm","start":121.345,"end":121.845,"confidence":0.9423828,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04177212342619896},{"word":"just","start":122.225,"end":122.305,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07629045844078064},{"word":"checking","start":122.305,"end":122.784996,"confidence":0.95947266,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":-0.10186263173818588},{"word":"my","start":122.784996,"end":122.945,"confidence":0.98535156,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.23725199699401855},{"word":"spam","start":122.945,"end":123.445,"confidence":0.9289551,"punctuated_word":"spam.","sentiment":"neutral","sentiment_score":-0.1494268774986267},{"word":"tommy","start":123.985,"end":124.305,"confidence":0.66748047,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":-0.0030561089515686035},{"word":"yep","start":124.465,"end":124.784996,"confidence":0.9767253,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.004061423242092133},{"word":"here","start":124.784996,"end":124.945,"confidence":0.54833984,"punctuated_word":"Here","sentiment":"neutral","sentiment_score":0.04967410117387771},{"word":"we","start":124.945,"end":125.104996,"confidence":0.80126953,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04691104218363762},{"word":"go","start":125.104996,"end":125.345,"confidence":0.9995117,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.07900521904230118},{"word":"yep","start":125.345,"end":125.845,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22161361575126648},{"word":"yeah","start":144.48001,"end":144.88,"confidence":0.7685547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07394739985466003},{"word":"yeah","start":144.88,"end":145.12001,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08370077610015869},{"word":"yeah","start":145.12001,"end":145.335,"confidence":0.85058594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10639368742704391},{"word":"yeah","start":158.455,"end":158.77501,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04041186347603798},{"word":"at","start":158.77501,"end":158.93501,"confidence":0.8803711,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.016545573249459267},{"word":"the","start":158.93501,"end":159.015,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022082926705479625},{"word":"time","start":159.015,"end":159.255,"confidence":0.6549072,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.02049999497830868},{"word":"well","start":159.255,"end":159.49501,"confidence":0.55615234,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.01677917316555977},{"word":"yeah","start":159.49501,"end":159.975,"confidence":0.9868164,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.042697709053754807},{"word":"yeah","start":159.975,"end":160.23,"confidence":0.86328125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09019175171852112},{"word":"mhmm","start":168.31,"end":168.81,"confidence":0.99731445,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.009954707697033882},{"word":"no","start":171.26999,"end":171.51,"confidence":0.7902832,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17785319685935974},{"word":"no","start":171.51,"end":171.67,"confidence":0.8249512,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2161237001419067},{"word":"not","start":171.67,"end":171.90999,"confidence":0.87841797,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2613528072834015},{"word":"at","start":171.90999,"end":172.06999,"confidence":0.71240234,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2586957812309265},{"word":"this","start":172.06999,"end":172.23,"confidence":0.94140625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.29593291878700256},{"word":"stage","start":172.23,"end":172.515,"confidence":0.9765625,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.2865403890609741},{"word":"no","start":183.235,"end":183.735,"confidence":0.8371582,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20216569304466248},{"word":"this","start":184.035,"end":184.275,"confidence":0.8803711,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.19771598279476169},{"word":"is","start":184.275,"end":184.515,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1830737292766571},{"word":"so","start":184.675,"end":184.83499,"confidence":0.80078125,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.191249817609787},{"word":"actually","start":184.83499,"end":185.235,"confidence":0.98168945,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":-0.2138860821723938},{"word":"you","start":185.235,"end":185.395,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18565763533115387},{"word":"know","start":185.395,"end":185.555,"confidence":0.90771484,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.20195351541042328},{"word":"yeah","start":185.555,"end":185.875,"confidence":0.7973633,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.1891224980354309},{"word":"we'll","start":185.875,"end":186.115,"confidence":0.9980469,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.2192678451538086},{"word":"probably","start":186.115,"end":186.515,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.24011388421058655},{"word":"be","start":186.515,"end":186.595,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.21445375680923465},{"word":"looking","start":186.595,"end":186.915,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.22554710507392883},{"word":"to","start":186.915,"end":187.075,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22698523104190824},{"word":"build","start":187.075,"end":187.41,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.231231153011322},{"word":"sorry","start":187.97,"end":188.29001,"confidence":0.70874023,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.2964468002319336},{"word":"or","start":188.29001,"end":188.45,"confidence":0.93408203,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.23724058270454407},{"word":"build","start":188.45,"end":188.69,"confidence":0.99609375,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.15507511794567108},{"word":"or","start":188.69,"end":188.85,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16878169775009155},{"word":"buy","start":188.85,"end":189.35,"confidence":0.99902344,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.17069955170154572},{"word":"is","start":189.65001,"end":189.81,"confidence":0.61279297,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2527328431606293},{"word":"what","start":189.81,"end":189.97,"confidence":0.9873047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2599292993545532},{"word":"we're","start":189.97,"end":190.13,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.1819460690021515},{"word":"currently","start":190.13,"end":190.45,"confidence":0.97509766,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.20784766972064972},{"word":"working","start":190.45,"end":190.69,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.11086909472942352},{"word":"on","start":190.69,"end":191.19,"confidence":0.9995117,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.1024751216173172},{"word":"yep","start":192.85,"end":193.35,"confidence":0.82250977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0353122316300869},{"word":"oh","start":199.81,"end":199.97,"confidence":0.9658203,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.05739698186516762},{"word":"yeah","start":199.97,"end":200.21,"confidence":0.9880371,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.044673606753349304},{"word":"yeah","start":200.21,"end":200.53,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03139752894639969},{"word":"i've","start":200.53,"end":200.77,"confidence":0.9782715,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.035511694848537445},{"word":"been","start":200.77,"end":200.93001,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.041008833795785904},{"word":"looking","start":200.93001,"end":201.17,"confidence":0.9970703,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.06741642951965332},{"word":"into","start":201.17,"end":201.41,"confidence":0.98535156,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.05848267301917076},{"word":"that","start":201.41,"end":201.91,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.05829224735498428},{"word":"mhmm","start":212.615,"end":212.695,"confidence":0.88879395,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0370878130197525},{"word":"yeah","start":212.695,"end":213.095,"confidence":0.81103516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07491016387939453},{"word":"no","start":213.095,"end":213.335,"confidence":0.96533203,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1310814619064331},{"word":"worries","start":213.335,"end":213.835,"confidence":0.98876953,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.1378796398639679},{"word":"yep","start":222.71,"end":223.21,"confidence":0.79296875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14232194423675537},{"word":"mhmm","start":228.07,"end":228.465,"confidence":0.9970703,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.005469872150570154},{"word":"so","start":234.385,"end":234.86499,"confidence":0.87597656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16107355058193207},{"word":"i'm","start":234.86499,"end":234.94499,"confidence":0.7044678,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1638685166835785},{"word":"just","start":234.94499,"end":235.185,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16604092717170715},{"word":"it's","start":235.425,"end":235.58499,"confidence":0.87109375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2048688530921936},{"word":"just","start":235.58499,"end":235.905,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17269620299339294},{"word":"basically","start":235.905,"end":236.405,"confidence":0.98291016,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.15773466229438782},{"word":"saying","start":236.465,"end":236.785,"confidence":0.99316406,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.21000072360038757},{"word":"it's","start":236.785,"end":236.94499,"confidence":0.65075684,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2799324691295624},{"word":"fine","start":236.94499,"end":237.185,"confidence":0.78759766,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.2857646048069},{"word":"document","start":237.185,"end":237.665,"confidence":0.7265625,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.2978131175041199},{"word":"is","start":237.665,"end":237.825,"confidence":0.50390625,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.19391167163848877},{"word":"that","start":237.825,"end":237.985,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24981829524040225},{"word":"the","start":237.985,"end":238.065,"confidence":0.76416016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16303537786006927},{"word":"one","start":238.065,"end":238.305,"confidence":0.20617676,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.218649223446846},{"word":"starting","start":238.305,"end":238.705,"confidence":0.171875,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.11999613046646118},{"word":"to","start":238.705,"end":238.785,"confidence":0.4741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13914552330970764},{"word":"do","start":238.785,"end":239.285,"confidence":0.8688965,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.0733509212732315},{"word":"i","start":239.665,"end":239.825,"confidence":0.20727539,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14557912945747375},{"word":"haven't","start":239.825,"end":240.325,"confidence":0.83203125,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.08350624144077301},{"word":"got","start":240.625,"end":240.785,"confidence":0.79248047,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.28160998225212097},{"word":"any","start":240.785,"end":241.025,"confidence":0.9448242,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.24071216583251953},{"word":"assessment","start":241.025,"end":241.525,"confidence":0.8029785,"punctuated_word":"assessment.","sentiment":"neutral","sentiment_score":-0.2050307989120483},{"word":"yeah","start":242.75,"end":243.25,"confidence":0.7416992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002174616325646639},{"word":"mhmm","start":244.43001,"end":244.93001,"confidence":0.9963379,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0005496286321431398},{"word":"oh","start":247.39,"end":247.55,"confidence":0.9094238,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.005906509701162577},{"word":"yeah","start":247.55,"end":247.87001,"confidence":0.97753906,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.006326527334749699},{"word":"right","start":247.87001,"end":248.03,"confidence":0.82666016,"punctuated_word":"Right","sentiment":"neutral","sentiment_score":0.01357869803905487},{"word":"at","start":248.03,"end":248.19,"confidence":0.89208984,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01314070913940668},{"word":"the","start":248.19,"end":248.27,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013310386799275877},{"word":"bottom","start":248.27,"end":248.51001,"confidence":0.97753906,"punctuated_word":"bottom.","sentiment":"neutral","sentiment_score":0.01114807277917862},{"word":"yeah","start":248.51001,"end":248.75,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014112080447375774},{"word":"yeah","start":248.75,"end":248.99,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017619233578443527},{"word":"yep","start":248.99,"end":249.39,"confidence":0.80078125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026177313178777695},{"word":"so","start":249.39,"end":249.63,"confidence":0.9199219,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01520681381225586},{"word":"which","start":249.63,"end":249.79001,"confidence":0.96777344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.02552775666117668},{"word":"one","start":249.79001,"end":249.95001,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01593046262860298},{"word":"am","start":249.95001,"end":250.03,"confidence":0.27978516,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.026046540588140488},{"word":"i","start":250.03,"end":250.11,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021254349499940872},{"word":"looking","start":250.11,"end":250.35,"confidence":0.9970703,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.016231555491685867},{"word":"at","start":250.35,"end":250.85,"confidence":0.9995117,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":0.02489788644015789},{"word":"okay","start":254.99,"end":255.23001,"confidence":0.94799805,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10708735883235931},{"word":"yep","start":255.23001,"end":255.525,"confidence":0.9260254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14777277410030365},{"word":"yep","start":274.8,"end":275.12,"confidence":0.9655762,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06105610728263855},{"word":"one","start":275.12,"end":275.36,"confidence":0.9970703,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.04572638124227524},{"word":"second","start":275.36,"end":275.86,"confidence":0.9995117,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.04766489192843437},{"word":"okay","start":285.315,"end":285.715,"confidence":0.98217773,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11734744161367416},{"word":"yep","start":285.715,"end":286.215,"confidence":0.86328125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16222430765628815},{"word":"yeah","start":300.77,"end":301.27,"confidence":0.8625488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08912559598684311},{"word":"yep","start":309.25,"end":309.705,"confidence":0.7385254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12008345127105712},{"word":"to","start":315.705,"end":315.94498,"confidence":0.9941406,"punctuated_word":"To","sentiment":"neutral","sentiment_score":-0.09767897427082062},{"word":"be","start":315.94498,"end":316.025,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1036929488182068},{"word":"honest","start":316.025,"end":316.345,"confidence":0.99658203,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":-0.09619554877281188},{"word":"that's","start":316.345,"end":316.585,"confidence":0.99365234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1280972808599472},{"word":"one","start":316.585,"end":316.745,"confidence":0.9921875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.17601487040519714},{"word":"thing","start":316.745,"end":316.905,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.0775609239935875},{"word":"i","start":316.905,"end":317.06497,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10284273326396942},{"word":"probably","start":317.06497,"end":317.38498,"confidence":0.40161133,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.13772821426391602},{"word":"missed","start":317.38498,"end":317.88498,"confidence":0.6623535,"punctuated_word":"missed.","sentiment":"neutral","sentiment_score":-0.11719534546136856},{"word":"the","start":318.425,"end":318.66498,"confidence":0.9863281,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1060210019350052},{"word":"last","start":318.66498,"end":318.905,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.10551263391971588},{"word":"six","start":318.905,"end":319.145,"confidence":0.98291016,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.09304796159267426},{"word":"months","start":319.145,"end":319.305,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.0801856517791748},{"word":"for","start":319.305,"end":319.54498,"confidence":0.5371094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07938777655363083},{"word":"sure","start":319.54498,"end":319.78497,"confidence":0.9941406,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.04108233377337456},{"word":"yep","start":319.78497,"end":320.10498,"confidence":0.7607422,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.033645518124103546},{"word":"but","start":320.10498,"end":320.26498,"confidence":0.9589844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.07692427188158035},{"word":"i","start":320.26498,"end":320.34497,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10735340416431428},{"word":"have","start":320.34497,"end":320.50497,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1082182675600052},{"word":"kind","start":320.50497,"end":320.66498,"confidence":0.96777344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.11704535037279128},{"word":"of","start":320.66498,"end":320.82498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09936270862817764},{"word":"got","start":320.82498,"end":320.985,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.11182846128940582},{"word":"it","start":320.985,"end":321.06497,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07559467852115631},{"word":"in","start":321.06497,"end":321.145,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08813634514808655},{"word":"the","start":321.145,"end":321.22498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32041704654693604},{"word":"back","start":321.22498,"end":321.465,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.29269081354141235},{"word":"of","start":321.465,"end":321.54498,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2739027440547943},{"word":"my","start":321.54498,"end":321.705,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.30642563104629517},{"word":"mind","start":321.705,"end":321.94498,"confidence":0.92871094,"punctuated_word":"mind.","sentiment":"neutral","sentiment_score":-0.3134515881538391},{"word":"i'm","start":321.94498,"end":322.10498,"confidence":0.6894531,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2603623569011688},{"word":"not","start":322.10498,"end":322.185,"confidence":0.44140625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.267412006855011},{"word":"sure","start":322.185,"end":322.425,"confidence":0.98291016,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.2866160571575165},{"word":"that","start":322.425,"end":322.50497,"confidence":0.93603516,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.33855655789375305},{"word":"you","start":322.50497,"end":322.585,"confidence":0.9838867,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.341030478477478},{"word":"can't","start":322.585,"end":322.82498,"confidence":0.80029297,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.25590771436691284},{"word":"be","start":322.82498,"end":322.985,"confidence":0.94628906,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.273475706577301},{"word":"performing","start":322.985,"end":323.38498,"confidence":0.99121094,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.285645067691803},{"word":"that","start":323.38498,"end":323.54498,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.32889822125434875},{"word":"well","start":323.54498,"end":323.78497,"confidence":0.82250977,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.2800830602645874},{"word":"but","start":323.78497,"end":324.025,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.21979431807994845},{"word":"yeah","start":324.1175,"end":324.21,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.18298369646072388},{"word":"yeah","start":324.21,"end":324.71,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11912764608860016},{"word":"yeah","start":334.61,"end":335.11,"confidence":0.8701172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.104105643928051},{"word":"yeah","start":338.69,"end":339.165,"confidence":0.8581543,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04833076149225235},{"word":"yeah","start":348.685,"end":349.185,"confidence":0.7421875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013798192143440248},{"word":"yep","start":359.35,"end":359.85,"confidence":0.90600586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10497277975082396},{"word":"okay","start":365.59003,"end":366.09003,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1262199878692627},{"word":"so","start":368.335,"end":368.495,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.121514193713665},{"word":"netwell","start":368.495,"end":368.995,"confidence":0.45983887,"punctuated_word":"NetWell","sentiment":"neutral","sentiment_score":0.2207388132810593},{"word":"super","start":369.215,"end":369.535,"confidence":0.3474121,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2466023415327072},{"word":"asset","start":369.535,"end":369.855,"confidence":0.8125,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.2712632417678833},{"word":"performance","start":369.855,"end":370.335,"confidence":0.9970703,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.17771993577480316},{"word":"detail","start":370.335,"end":370.655,"confidence":0.9423828,"punctuated_word":"detail.","sentiment":"neutral","sentiment_score":0.17290964722633362},{"word":"yeah","start":370.655,"end":371.155,"confidence":0.9770508,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.16794857382774353},{"word":"yep","start":380.495,"end":380.91,"confidence":0.97094727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17261895537376404},{"word":"yep","start":396.92502,"end":397.42502,"confidence":0.8774414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20338618755340576},{"word":"yep","start":401.325,"end":401.825,"confidence":0.83740234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17370539903640747},{"word":"mhmm","start":430.95502,"end":431.195,"confidence":0.8499756,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.00337371788918972},{"word":"yep","start":431.195,"end":431.695,"confidence":0.8310547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.013402089476585388},{"word":"mhmm","start":437.355,"end":437.82,"confidence":0.9454346,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.004830304533243179},{"word":"oh","start":440.86002,"end":440.94,"confidence":0.6628418,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.018844306468963623},{"word":"yeah","start":440.94,"end":441.44,"confidence":0.92822266,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.01759147271513939},{"word":"to","start":460.275,"end":460.435,"confidence":0.8671875,"punctuated_word":"To","sentiment":"neutral","sentiment_score":-0.06579381227493286},{"word":"be","start":460.435,"end":460.595,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08468469977378845},{"word":"honest","start":460.595,"end":460.915,"confidence":0.9453125,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":-0.0760660395026207},{"word":"with","start":460.915,"end":461.075,"confidence":0.54589844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08570867031812668},{"word":"that","start":461.075,"end":461.315,"confidence":0.65234375,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07037611305713654},{"word":"but","start":461.315,"end":461.475,"confidence":0.96972656,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.048006705939769745},{"word":"yeah","start":461.725,"end":462.225,"confidence":0.9970703,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03540894389152527},{"word":"okay","start":463.4,"end":463.9,"confidence":0.68969727,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00633973628282547},{"word":"mhmm","start":471.88,"end":472.38,"confidence":0.98095703,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01340712420642376},{"word":"mhmm","start":477.64,"end":478.065,"confidence":0.97509766,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.08993203938007355},{"word":"mhmm","start":487.425,"end":487.925,"confidence":0.98742676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07496087998151779},{"word":"yep","start":503.84,"end":504.135,"confidence":0.87768555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16314387321472168},{"word":"yeah","start":504.935,"end":505.435,"confidence":0.92626953,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3364509344100952},{"word":"mhmm","start":517.575,"end":517.815,"confidence":0.9470215,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13281016051769257},{"word":"yeah","start":517.815,"end":518.13,"confidence":0.9663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.215741828083992},{"word":"okay","start":528.05,"end":528.55,"confidence":0.95581055,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09262584894895554},{"word":"mhmm","start":545.585,"end":545.94,"confidence":0.9338379,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.021580766886472705},{"word":"i","start":550.5,"end":550.66,"confidence":0.9160156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23582547903060913},{"word":"think","start":550.66,"end":551.16,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2740681767463684},{"word":"probably","start":551.78,"end":552.28,"confidence":0.86865234,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.3202771842479706},{"word":"at","start":552.42,"end":552.74,"confidence":0.97265625,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3620711266994476},{"word":"this","start":552.74,"end":552.98,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.3048650324344635},{"word":"stage","start":552.98,"end":553.48,"confidence":0.87719727,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":-0.26965653896331787},{"word":"i","start":553.7,"end":553.94,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3854709565639496},{"word":"wouldn't","start":553.94,"end":554.44,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"negative","sentiment_score":-0.3468320369720459},{"word":"yeah","start":556.58,"end":556.98,"confidence":0.94873047,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.3267541527748108},{"word":"i","start":556.98,"end":557.06,"confidence":0.9980469,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.41013768315315247},{"word":"don't","start":557.06,"end":557.3,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3787067830562592},{"word":"think","start":557.3,"end":557.54,"confidence":0.7495117,"punctuated_word":"think,","sentiment":"negative","sentiment_score":-0.37176257371902466},{"word":"you","start":557.54,"end":557.7,"confidence":0.9941406,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.398664116859436},{"word":"know","start":557.7,"end":557.86,"confidence":0.9675293,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.3706596493721008},{"word":"i","start":557.86,"end":557.94,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4277667999267578},{"word":"don't","start":557.94,"end":558.1,"confidence":0.8466797,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.38722503185272217},{"word":"wanna","start":558.1,"end":558.34,"confidence":0.64404297,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.3913707733154297},{"word":"make","start":558.34,"end":558.5,"confidence":0.99902344,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.443358838558197},{"word":"any","start":558.5,"end":558.66,"confidence":0.96777344,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.40960776805877686},{"word":"sort","start":558.66,"end":558.82,"confidence":0.90478516,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.4079033136367798},{"word":"of","start":558.82,"end":558.9,"confidence":0.9370117,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4334988296031952},{"word":"drastic","start":558.9,"end":559.38,"confidence":1.0,"punctuated_word":"drastic","sentiment":"negative","sentiment_score":-0.47402459383010864},{"word":"changes","start":559.38,"end":559.86,"confidence":1.0,"punctuated_word":"changes","sentiment":"negative","sentiment_score":-0.4227205812931061},{"word":"right","start":559.86,"end":560.1,"confidence":1.0,"punctuated_word":"right","sentiment":"negative","sentiment_score":-0.44859275221824646},{"word":"now","start":560.1,"end":560.6,"confidence":0.9995117,"punctuated_word":"now.","sentiment":"negative","sentiment_score":-0.3902426362037658},{"word":"yeah","start":562.475,"end":562.95496,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0043523870408535},{"word":"i","start":562.95496,"end":563.115,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01603911817073822},{"word":"mean","start":563.115,"end":563.195,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.009940382093191149},{"word":"what","start":563.195,"end":563.435,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.027343682944774628},{"word":"are","start":563.435,"end":563.475,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.00024303793907165527},{"word":"you","start":563.475,"end":563.51495,"confidence":0.9223633,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04307942092418671},{"word":"what","start":563.595,"end":563.755,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0391262024641037},{"word":"are","start":563.755,"end":563.83496,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0116235613822937},{"word":"your","start":563.83496,"end":564.07495,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.018988803029060364},{"word":"thoughts","start":564.07495,"end":564.315,"confidence":1.0,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.0027388930320739746},{"word":"on","start":564.315,"end":564.475,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.016416028141975403},{"word":"that","start":564.475,"end":564.975,"confidence":0.99902344,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.027833659201860428},{"word":"yeah","start":585.07,"end":585.57,"confidence":0.8149414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004910498857498169},{"word":"you","start":608.79,"end":608.87,"confidence":0.4050293,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.11864230781793594},{"word":"know","start":608.87,"end":609.11,"confidence":0.81518555,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0971304401755333},{"word":"i","start":609.11,"end":609.19,"confidence":0.7841797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09675949066877364},{"word":"guess","start":609.19,"end":609.67,"confidence":0.6270752,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.10674776881933212},{"word":"everyone","start":609.67,"end":610.07,"confidence":0.37280273,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.080227792263031},{"word":"will","start":610.07,"end":610.14996,"confidence":0.3918457,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.054876670241355896},{"word":"wanna","start":610.14996,"end":610.38995,"confidence":0.7421875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.01811807230114937},{"word":"retire","start":610.38995,"end":610.79,"confidence":0.98828125,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.036276862025260925},{"word":"as","start":610.79,"end":610.87,"confidence":0.96435547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.059461772441864014},{"word":"early","start":610.87,"end":611.19,"confidence":0.9951172,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.026543617248535156},{"word":"as","start":611.19,"end":611.35,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.004427745938301086},{"word":"possible","start":611.35,"end":611.85,"confidence":0.99853516,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.0436079166829586},{"word":"yeah","start":613.43,"end":613.93,"confidence":0.9719238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06820879876613617},{"word":"yeah","start":617.725,"end":617.965,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03954796865582466},{"word":"hope","start":617.965,"end":618.125,"confidence":0.54541016,"punctuated_word":"Hope","sentiment":"neutral","sentiment_score":0.15472257137298584},{"word":"he","start":618.125,"end":618.285,"confidence":0.9428711,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.22909530997276303},{"word":"wins","start":618.285,"end":618.44495,"confidence":0.9350586,"punctuated_word":"wins","sentiment":"neutral","sentiment_score":0.23562169075012207},{"word":"the","start":618.44495,"end":618.605,"confidence":0.5419922,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1757396161556244},{"word":"lotto","start":618.605,"end":618.925,"confidence":0.9707031,"punctuated_word":"lotto","sentiment":"neutral","sentiment_score":0.19137683510780337},{"word":"tonight","start":618.925,"end":619.245,"confidence":0.99902344,"punctuated_word":"tonight","sentiment":"neutral","sentiment_score":0.10417935252189636},{"word":"and","start":619.245,"end":619.405,"confidence":0.87890625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07963630557060242},{"word":"be","start":619.405,"end":619.645,"confidence":0.91259766,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11140867322683334},{"word":"out","start":619.645,"end":619.805,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.011200815439224243},{"word":"of","start":619.805,"end":619.885,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025766611099243164},{"word":"work","start":619.885,"end":620.045,"confidence":0.859375,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.07876215875148773},{"word":"yeah","start":620.045,"end":620.365,"confidence":0.9855957,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3990218937397003},{"word":"that'd","start":620.365,"end":620.525,"confidence":0.88378906,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.6134377717971802},{"word":"be","start":620.525,"end":620.685,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6561141014099121},{"word":"good","start":620.685,"end":621.185,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6482385396957397},{"word":"yeah","start":623.325,"end":623.825,"confidence":0.7133789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08237951993942261},{"word":"yes","start":639.37,"end":639.87,"confidence":0.70947266,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05658940598368645},{"word":"yes","start":644.09,"end":644.59,"confidence":0.8186035,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21645721793174744},{"word":"yeah","start":658.83,"end":659.33,"confidence":0.7492676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13170142471790314},{"word":"yep","start":660.83,"end":661.33,"confidence":0.7138672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10454563796520232},{"word":"yep","start":665.79,"end":666.29,"confidence":0.7644043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08799971640110016},{"word":"yeah","start":674.835,"end":675.335,"confidence":0.732666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05018583685159683},{"word":"okay","start":676.755,"end":677.255,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13789385557174683},{"word":"yes","start":692.46,"end":692.96,"confidence":0.93310547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07389936596155167},{"word":"okay","start":694.46,"end":694.96,"confidence":0.9909668,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17958544194698334},{"word":"yes","start":707.27496,"end":707.77496,"confidence":0.8395996,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14767026901245117},{"word":"so","start":721.06,"end":721.30005,"confidence":0.6833496,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03723324090242386},{"word":"basically","start":721.30005,"end":721.78,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.013645760715007782},{"word":"if","start":721.78,"end":721.94,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.021787535399198532},{"word":"it","start":721.94,"end":722.02,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03708185255527496},{"word":"wasn't","start":722.02,"end":722.34,"confidence":1.0,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.02958471886813641},{"word":"for","start":722.34,"end":722.5,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.023184120655059814},{"word":"that","start":722.5,"end":722.9,"confidence":0.9951172,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.029561731964349747},{"word":"we","start":722.9,"end":723.14,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06829962879419327},{"word":"would","start":723.14,"end":723.30005,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02727820724248886},{"word":"have","start":723.30005,"end":723.46,"confidence":0.7866211,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05776149034500122},{"word":"been","start":723.46,"end":723.7,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1414240002632141},{"word":"up","start":723.7,"end":723.86005,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12422285974025726},{"word":"by","start":723.86005,"end":724.10004,"confidence":0.9902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.0693204328417778},{"word":"about","start":724.10004,"end":724.42004,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08919895440340042},{"word":"10,000","start":724.42004,"end":724.98004,"confidence":1.0,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.11499448120594025},{"word":"to","start":724.98004,"end":725.14,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029085077345371246},{"word":"11,000","start":725.14,"end":726.28,"confidence":0.89644367,"punctuated_word":"11,000.","sentiment":"neutral","sentiment_score":0.03510667383670807},{"word":"because","start":726.815,"end":726.975,"confidence":0.6767578,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.013633571565151216},{"word":"at","start":726.975,"end":727.055,"confidence":0.9428711,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06042426452040672},{"word":"the","start":727.055,"end":727.135,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03398915380239487},{"word":"moment","start":727.135,"end":727.375,"confidence":0.9165039,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.0543096698820591},{"word":"it's","start":727.375,"end":727.615,"confidence":0.56225586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07918892055749893},{"word":"basically","start":727.615,"end":727.935,"confidence":0.9448242,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.0908106043934822},{"word":"just","start":727.935,"end":728.095,"confidence":0.38232422,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09725414961576462},{"word":"a","start":728.095,"end":728.175,"confidence":0.47143555,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07718978822231293},{"word":"breakeven","start":728.175,"end":728.675,"confidence":0.95544434,"punctuated_word":"breakeven.","sentiment":"neutral","sentiment_score":-0.08479644358158112},{"word":"right","start":728.735,"end":729.235,"confidence":0.99853516,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.0029649417847394943},{"word":"yeah","start":731.855,"end":732.355,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02724835090339184},{"word":"okay","start":734.095,"end":734.575,"confidence":0.8640137,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.003429234027862549},{"word":"and","start":734.575,"end":734.735,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04717671126127243},{"word":"so","start":734.735,"end":734.975,"confidence":0.99121094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07399632036685944},{"word":"why","start":734.975,"end":735.135,"confidence":0.99316406,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.17193856835365295},{"word":"wasn't","start":735.135,"end":735.45496,"confidence":0.99902344,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.15994898974895477},{"word":"the","start":735.45496,"end":735.535,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1659749299287796},{"word":"decision","start":735.535,"end":735.935,"confidence":1.0,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":-0.18487827479839325},{"word":"made","start":735.935,"end":736.095,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.20342972874641416},{"word":"earlier","start":736.095,"end":736.495,"confidence":0.9951172,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":-0.2625002861022949},{"word":"to","start":736.495,"end":736.65497,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1619829684495926},{"word":"switch","start":736.65497,"end":737.15497,"confidence":0.99853516,"punctuated_word":"switch?","sentiment":"neutral","sentiment_score":-0.05959184467792511},{"word":"yeah","start":742.42,"end":742.92,"confidence":0.9108887,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05576171725988388},{"word":"yeah","start":760.195,"end":760.695,"confidence":0.80371094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13626405596733093},{"word":"yeah","start":767.395,"end":767.635,"confidence":0.95092773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0026751533150672913},{"word":"okay","start":767.635,"end":768.135,"confidence":0.98950195,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02425236254930496},{"word":"yeah","start":783.12,"end":783.435,"confidence":0.81811523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04099041223526001},{"word":"okay","start":783.995,"end":784.495,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03433035686612129},{"word":"yep","start":808.09,"end":808.395,"confidence":0.67993164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1392754465341568},{"word":"are","start":814.155,"end":814.315,"confidence":0.9160156,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.05183662474155426},{"word":"there","start":814.315,"end":814.555,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10496003925800323},{"word":"any","start":814.555,"end":815.055,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10253791511058807},{"word":"others","start":815.35504,"end":815.755,"confidence":0.9819336,"punctuated_word":"others","sentiment":"neutral","sentiment_score":0.06152128055691719},{"word":"that","start":815.755,"end":816.255,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09425947070121764},{"word":"are","start":816.315,"end":816.395,"confidence":0.8618164,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07583028823137283},{"word":"got","start":816.47504,"end":816.97504,"confidence":0.93359375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08806169778108597},{"word":"a","start":817.755,"end":817.91504,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07221648097038269},{"word":"better","start":817.91504,"end":818.155,"confidence":0.96875,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.06175041198730469},{"word":"portfolio","start":818.155,"end":818.635,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07093223929405212},{"word":"in","start":818.635,"end":818.79504,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11045707762241364},{"word":"terms","start":818.79504,"end":819.03503,"confidence":0.99902344,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.14180992543697357},{"word":"of","start":819.03503,"end":819.115,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09052014350891112},{"word":"less","start":819.115,"end":819.35504,"confidence":0.8491211,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.08032912015914917},{"word":"fees","start":819.35504,"end":819.59503,"confidence":0.9902344,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.059730514883995056},{"word":"and","start":819.59503,"end":819.755,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05988410487771034},{"word":"stuff","start":819.755,"end":820.255,"confidence":0.8876953,"punctuated_word":"stuff?","sentiment":"neutral","sentiment_score":0.046470291912555695},{"word":"or","start":820.79504,"end":821.29504,"confidence":0.9301758,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.07012824714183807},{"word":"mhmm","start":832.30005,"end":832.80005,"confidence":0.92126465,"punctuated_word":"mhmm.","sentiment":"neutral","sentiment_score":0.0802951380610466},{"word":"yep","start":845.755,"end":846.255,"confidence":0.74780273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16640576720237732},{"word":"yes","start":849.755,"end":850.255,"confidence":0.82958984,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2358904778957367},{"word":"yeah","start":852.51,"end":853.01,"confidence":0.95751953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03731672465801239},{"word":"no","start":853.63,"end":853.87006,"confidence":0.8679199,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08160273730754852},{"word":"i","start":853.87006,"end":853.95,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06991907954216003},{"word":"think","start":853.95,"end":854.27,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06472767144441605},{"word":"maybe","start":854.27,"end":854.77,"confidence":0.96875,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.034417733550071716},{"word":"maybe","start":854.83,"end":855.31,"confidence":0.87597656,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.06642323732376099},{"word":"that","start":855.31,"end":855.55005,"confidence":0.89746094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1093725562095642},{"word":"might","start":855.55005,"end":855.79004,"confidence":0.9863281,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10104132443666458},{"word":"be","start":855.79004,"end":855.87006,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07709642499685287},{"word":"another","start":855.87006,"end":856.19,"confidence":0.9980469,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.04512409865856171},{"word":"question","start":856.19,"end":856.51,"confidence":0.9980469,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.023419052362442017},{"word":"for","start":856.51,"end":856.83,"confidence":0.8652344,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.0993003100156784},{"word":"you","start":856.83,"end":856.91003,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11185607314109802},{"word":"know","start":856.91003,"end":857.15,"confidence":0.98583984,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11750742048025133},{"word":"question","start":857.15,"end":857.47003,"confidence":0.8886719,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.04665274918079376},{"word":"for","start":857.47003,"end":857.63,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08753795176744461},{"word":"next","start":857.63,"end":858.03,"confidence":0.9902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.07044091820716858},{"word":"next","start":858.03,"end":858.35004,"confidence":0.9941406,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.032396696507930756},{"word":"annual","start":858.35004,"end":858.83,"confidence":0.9707031,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":-0.02849821001291275},{"word":"review","start":858.83,"end":859.33,"confidence":0.99658203,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":-0.014879058115184309},{"word":"i","start":859.63,"end":859.79004,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0917249247431755},{"word":"think","start":859.79004,"end":860.03,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.07575249671936035},{"word":"at","start":860.03,"end":860.27,"confidence":0.8671875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06837500631809235},{"word":"this","start":860.27,"end":860.51,"confidence":0.7421875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09876951575279236},{"word":"moment","start":860.51,"end":860.91003,"confidence":0.86450195,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.0819685161113739},{"word":"we","start":860.91003,"end":861.07,"confidence":0.8964844,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.060119688510894775},{"word":"might","start":861.07,"end":861.31,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07619543373584747},{"word":"leave","start":861.31,"end":861.47003,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.03890015184879303},{"word":"it","start":861.47003,"end":861.63,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05925872176885605},{"word":"as","start":861.63,"end":861.71,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17210504412651062},{"word":"it","start":861.71,"end":861.87006,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12532539665699005},{"word":"is","start":861.87006,"end":862.11005,"confidence":0.8642578,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.12961207330226898},{"word":"yeah","start":862.11005,"end":862.59,"confidence":0.9916992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1472478210926056},{"word":"yeah","start":862.59,"end":863.09,"confidence":0.8684082,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14937184751033783},{"word":"okay","start":878.825,"end":879.12,"confidence":0.8503418,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23858481645584104},{"word":"yeah","start":879.44,"end":879.94,"confidence":0.73657227,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3482826352119446},{"word":"mhmm","start":894.665,"end":895.165,"confidence":0.9300537,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11003933846950532},{"word":"yeah","start":899.625,"end":900.125,"confidence":0.7729492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11635813117027284},{"word":"i","start":907.945,"end":908.105,"confidence":0.7207031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08955362439155579},{"word":"think","start":908.105,"end":908.605,"confidence":0.920166,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.07896135747432709},{"word":"yes","start":909.05,"end":909.20996,"confidence":0.7817383,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.14606459438800812},{"word":"i'd","start":909.20996,"end":909.61,"confidence":0.98535156,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.1342282593250275},{"word":"like","start":909.61,"end":909.76996,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1605260968208313},{"word":"to","start":909.76996,"end":909.93,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14407359063625336},{"word":"also","start":909.93,"end":910.41,"confidence":0.9921875,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09749726951122284},{"word":"understand","start":910.41,"end":910.91,"confidence":0.99902344,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.08213203400373459},{"word":"in","start":910.97,"end":911.13,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05689169093966484},{"word":"terms","start":911.13,"end":911.44995,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.07441984117031097},{"word":"of","start":911.44995,"end":911.88995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07665254175662994},{"word":"now","start":912.32996,"end":912.57,"confidence":0.9165039,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.060352399945259094},{"word":"in","start":912.57,"end":912.88995,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05318266898393631},{"word":"colonial","start":912.88995,"end":913.38995,"confidence":0.8120117,"punctuated_word":"Colonial,","sentiment":"neutral","sentiment_score":0.06233077496290207},{"word":"like","start":913.61,"end":913.85,"confidence":0.98095703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1041918247938156},{"word":"you'll","start":913.85,"end":914.17,"confidence":0.9147949,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.17871451377868652},{"word":"be","start":914.17,"end":914.25,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22353708744049072},{"word":"able","start":914.25,"end":914.37,"confidence":0.9970703,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1998747885227203},{"word":"to","start":914.37,"end":914.49,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20526628196239471},{"word":"compare","start":914.49,"end":914.81,"confidence":0.9951172,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":0.12551245093345642},{"word":"to","start":914.81,"end":914.88995,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1260700225830078},{"word":"see","start":914.88995,"end":915.05,"confidence":0.9770508,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11547984182834624},{"word":"where","start":915.05,"end":915.29,"confidence":0.96240234,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0011307597160339355},{"word":"i've","start":915.29,"end":915.44995,"confidence":0.9777832,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.023651152849197388},{"word":"lost","start":915.44995,"end":915.69,"confidence":1.0,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":0.010031260550022124},{"word":"in","start":915.69,"end":915.85,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.042043983936309814},{"word":"colonial","start":915.85,"end":916.32996,"confidence":0.9970703,"punctuated_word":"Colonial","sentiment":"neutral","sentiment_score":-0.03197823464870453},{"word":"as","start":916.32996,"end":916.49,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14001360535621643},{"word":"well","start":916.49,"end":916.64996,"confidence":0.99609375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11746443808078766},{"word":"right","start":916.64996,"end":917.14996,"confidence":0.99902344,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.10994597524404526},{"word":"yep","start":922.435,"end":922.935,"confidence":0.9309082,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05478145182132721},{"word":"mhmm","start":928.35504,"end":928.85504,"confidence":0.98168945,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06345438957214355},{"word":"yeah","start":934.03503,"end":934.53503,"confidence":0.8725586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.058096833527088165},{"word":"so","start":934.755,"end":934.995,"confidence":0.80322266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03523799777030945},{"word":"i","start":934.995,"end":935.155,"confidence":0.9038086,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03126166760921478},{"word":"guess","start":935.155,"end":935.61,"confidence":0.7973633,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.025090675801038746},{"word":"yeah","start":935.69,"end":935.85,"confidence":0.92163086,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.034989871084690094},{"word":"i","start":935.85,"end":936.01,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019977636635303497},{"word":"guess","start":936.01,"end":936.08997,"confidence":0.98535156,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.012972179800271988},{"word":"it's","start":936.08997,"end":936.57,"confidence":0.51452637,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.024569816887378693},{"word":"yeah","start":936.73,"end":937.05,"confidence":0.9667969,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02891116589307785},{"word":"i","start":937.05,"end":937.20996,"confidence":0.5961914,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005415931344032288},{"word":"guess","start":937.20996,"end":937.37,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.002002015709877014},{"word":"what","start":937.37,"end":937.52997,"confidence":0.8408203,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01015910506248474},{"word":"would","start":937.52997,"end":937.76996,"confidence":0.49145508,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0150124654173851},{"word":"be","start":937.76996,"end":937.85,"confidence":0.9790039,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03532569855451584},{"word":"better","start":937.85,"end":938.32996,"confidence":0.6099243,"punctuated_word":"better,","sentiment":"neutral","sentiment_score":0.031278666108846664},{"word":"good","start":938.32996,"end":938.49,"confidence":0.91259766,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.13081640005111694},{"word":"for","start":938.49,"end":938.64996,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15745840966701508},{"word":"me","start":938.64996,"end":938.81,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1833859384059906},{"word":"to","start":938.81,"end":938.97,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14625224471092224},{"word":"understand","start":938.97,"end":939.29,"confidence":0.99902344,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.09598484635353088},{"word":"is","start":939.29,"end":939.45,"confidence":0.94189453,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.05278326198458672},{"word":"you","start":939.45,"end":939.69,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03583279997110367},{"word":"know","start":939.69,"end":940.08997,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.014306947588920592},{"word":"in","start":940.08997,"end":940.25,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03706986457109451},{"word":"terms","start":940.25,"end":940.49,"confidence":0.99902344,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.07163592427968979},{"word":"of","start":940.49,"end":940.64996,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07679565995931625},{"word":"performance","start":940.64996,"end":941.14996,"confidence":0.9863281,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.02852185070514679},{"word":"wise","start":941.20996,"end":941.70996,"confidence":0.71276855,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.02807636186480522},{"word":"on","start":942.32996,"end":942.49,"confidence":0.48706055,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.00513969361782074},{"word":"the","start":942.49,"end":942.64996,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004366666078567505},{"word":"two","start":942.64996,"end":943.14996,"confidence":0.59472656,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.007627122104167938},{"word":"are","start":943.32996,"end":943.82996,"confidence":0.21569824,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0005357488989830017},{"word":"colonial","start":944.01,"end":944.49,"confidence":0.52001953,"punctuated_word":"colonial","sentiment":"neutral","sentiment_score":0.02797585539519787},{"word":"versus","start":944.49,"end":944.89,"confidence":0.67419434,"punctuated_word":"versus,","sentiment":"neutral","sentiment_score":-0.043618422001600266},{"word":"you","start":944.89,"end":945.05,"confidence":0.97998047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02424442023038864},{"word":"know","start":945.05,"end":945.20996,"confidence":0.9753418,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.028800882399082184},{"word":"in","start":945.20996,"end":945.37,"confidence":0.8095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02642190456390381},{"word":"terms","start":945.37,"end":945.52997,"confidence":0.99902344,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.02311524748802185},{"word":"of","start":945.52997,"end":945.69,"confidence":0.81103516,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.01881219819188118},{"word":"like","start":945.69,"end":945.85,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.016956623643636703},{"word":"what","start":945.85,"end":945.93,"confidence":0.97509766,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.026129722595214844},{"word":"we're","start":945.93,"end":946.17,"confidence":0.9406738,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07061012834310532},{"word":"investing","start":946.17,"end":946.64996,"confidence":0.96533203,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.05066633969545365},{"word":"through","start":946.64996,"end":946.81,"confidence":0.9038086,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.038385942578315735},{"word":"networld","start":946.81,"end":947.31,"confidence":0.56156415,"punctuated_word":"Networld.","sentiment":"neutral","sentiment_score":0.07868566364049911},{"word":"how","start":948.695,"end":948.855,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.01691325753927231},{"word":"much","start":948.855,"end":949.095,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.028437122702598572},{"word":"was","start":949.095,"end":949.575,"confidence":0.99316406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04199840873479843},{"word":"netwealth","start":949.575,"end":949.975,"confidence":0.7281494,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":-0.015267251059412956},{"word":"better","start":949.975,"end":950.295,"confidence":0.18798828,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.059884026646614075},{"word":"or","start":950.295,"end":950.535,"confidence":0.37109375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0865073949098587},{"word":"how","start":950.535,"end":950.695,"confidence":0.96240234,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.04840274900197983},{"word":"much","start":950.695,"end":950.935,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.04226268827915192},{"word":"was","start":950.935,"end":951.095,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04348056763410568},{"word":"you","start":951.175,"end":951.33496,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.018712468445301056},{"word":"know","start":951.33496,"end":951.495,"confidence":0.9680176,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.035693079233169556},{"word":"is","start":951.495,"end":951.65497,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.054032839834690094},{"word":"it","start":951.65497,"end":951.815,"confidence":0.6875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03078685700893402},{"word":"colonial","start":951.815,"end":952.315,"confidence":0.7219238,"punctuated_word":"Colonial?","sentiment":"neutral","sentiment_score":-0.0476507768034935},{"word":"what","start":952.375,"end":952.495,"confidence":0.48583984,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.14104533195495603},{"word":"which","start":952.615,"end":952.77496,"confidence":0.90527344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.19661572575569153},{"word":"one","start":952.77496,"end":953.015,"confidence":0.98291016,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1804102063179016},{"word":"was","start":953.015,"end":953.175,"confidence":0.9091797,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1914173811674118},{"word":"better","start":953.175,"end":953.415,"confidence":0.9970703,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.19100642204284668},{"word":"off","start":953.415,"end":953.575,"confidence":0.97509766,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.13844232261180878},{"word":"for","start":953.575,"end":953.735,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.155781090259552},{"word":"me","start":953.735,"end":953.895,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.13054996728897095},{"word":"for","start":953.895,"end":953.975,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09368543326854706},{"word":"the","start":953.975,"end":954.135,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03237996995449066},{"word":"last","start":954.135,"end":954.375,"confidence":0.98706055,"punctuated_word":"last,","sentiment":"neutral","sentiment_score":-0.04838397353887558},{"word":"you","start":954.375,"end":954.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06725887209177017},{"word":"know","start":954.535,"end":955.035,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0809098482131958},{"word":"twelve","start":955.975,"end":956.375,"confidence":0.97802734,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.09187913686037064},{"word":"months","start":956.375,"end":956.615,"confidence":0.96240234,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.05614963173866272},{"word":"or","start":956.615,"end":956.695,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02350766956806183},{"word":"so","start":956.695,"end":957.195,"confidence":0.9736328,"punctuated_word":"so?","sentiment":"neutral","sentiment_score":-0.024428710341453552},{"word":"yep","start":968.99005,"end":969.49005,"confidence":0.9189453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04523304849863053},{"word":"yeah","start":972.83,"end":972.99005,"confidence":0.8808594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03740176558494568},{"word":"yeah","start":972.99005,"end":973.23004,"confidence":0.96972656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05412621796131134},{"word":"okay","start":973.23004,"end":973.63,"confidence":0.9536133,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09900566935539246},{"word":"yep","start":973.63,"end":974.13,"confidence":0.8195801,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2470090091228485},{"word":"yep","start":983.335,"end":983.835,"confidence":0.72998047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011479242704808712},{"word":"okay","start":993.495,"end":993.93,"confidence":0.9848633,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.06612829864025116},{"word":"to","start":1003.69,"end":1003.85,"confidence":0.66503906,"punctuated_word":"To","sentiment":"neutral","sentiment_score":-0.10870282351970673},{"word":"be","start":1003.85,"end":1004.08997,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1262074112892151},{"word":"honest","start":1004.08997,"end":1004.41,"confidence":0.9914551,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":-0.1330461949110031},{"word":"no","start":1004.41,"end":1004.91,"confidence":0.99609375,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.16608689725399017},{"word":"yeah","start":1006.765,"end":1007.265,"confidence":0.9536133,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004671530798077583},{"word":"yep","start":1015.245,"end":1015.745,"confidence":0.9057617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03772706165909767},{"word":"okay","start":1018.285,"end":1018.785,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09747803211212158},{"word":"mhmm","start":1024.4,"end":1024.9,"confidence":0.9173584,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.18328528106212616},{"word":"i","start":1034.615,"end":1034.695,"confidence":0.7060547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02613692730665207},{"word":"think","start":1034.695,"end":1035.095,"confidence":0.7182617,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04817681387066841},{"word":"i","start":1035.095,"end":1035.1749,"confidence":0.7080078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04492509365081787},{"word":"do","start":1035.1749,"end":1035.495,"confidence":0.25878906,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06402702629566193},{"word":"that","start":1035.495,"end":1035.815,"confidence":0.8508301,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07840868085622787},{"word":"yeah","start":1035.815,"end":1036.315,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05392598360776901},{"word":"correct","start":1039.575,"end":1040.075,"confidence":0.9182129,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":-0.168244868516922},{"word":"yeah","start":1042.775,"end":1043.275,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01152842864394188},{"word":"yes","start":1047.59,"end":1048.09,"confidence":0.82910156,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3850291967391968},{"word":"yes","start":1056.0701,"end":1056.5701,"confidence":0.9121094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12640273571014404},{"word":"okay","start":1061.83,"end":1062.33,"confidence":0.9421387,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06923618912696838},{"word":"yep","start":1063.145,"end":1063.645,"confidence":0.9199219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0408174954354763},{"word":"mhmm","start":1074.4249,"end":1074.6649,"confidence":0.9890137,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02419441379606724},{"word":"okay","start":1074.6649,"end":1075.1649,"confidence":0.97314453,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.010261889547109604},{"word":"yep","start":1075.625,"end":1076.125,"confidence":0.9523926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07646310329437256},{"word":"okay","start":1086.04,"end":1086.54,"confidence":0.91186523,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2356431782245636},{"word":"yep","start":1087.24,"end":1087.74,"confidence":0.93652344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3108985424041748},{"word":"yes","start":1102.655,"end":1103.155,"confidence":0.83935547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2141336500644684},{"word":"okay","start":1115.47,"end":1115.97,"confidence":0.78466797,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18087013065814972},{"word":"yep","start":1116.1901,"end":1116.675,"confidence":0.87719727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1783512532711029},{"word":"yeah","start":1135.69,"end":1135.9299,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1430245190858841},{"word":"okay","start":1135.9299,"end":1136.25,"confidence":0.9797363,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1741439402103424},{"word":"yep","start":1136.25,"end":1136.75,"confidence":0.92211914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21828100085258484},{"word":"yep","start":1145.37,"end":1145.715,"confidence":0.94140625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12153619527816772},{"word":"yep","start":1147.475,"end":1147.975,"confidence":0.890625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.024798881262540817},{"word":"mhmm","start":1150.835,"end":1151.335,"confidence":0.99243164,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.17553956806659698},{"word":"yeah","start":1153.475,"end":1153.715,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05399309471249581},{"word":"it's","start":1153.715,"end":1154.115,"confidence":0.8642578,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05790166184306145},{"word":"75%","start":1154.115,"end":1154.995,"confidence":0.9671224,"punctuated_word":"75%","sentiment":"neutral","sentiment_score":0.00651569664478302},{"word":"of","start":1154.995,"end":1155.1549,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002015110105276108},{"word":"the","start":1155.1549,"end":1155.395,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009549349546432497},{"word":"total","start":1155.395,"end":1155.895,"confidence":0.9797363,"punctuated_word":"total.","sentiment":"neutral","sentiment_score":-0.00637839175760746},{"word":"right","start":1156.0349,"end":1156.5349,"confidence":0.9470215,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.012344790622591972},{"word":"of","start":1159.715,"end":1159.955,"confidence":0.91015625,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.007115446031093597},{"word":"a","start":1159.955,"end":1160.0349,"confidence":0.9550781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014235194772481918},{"word":"hundred","start":1160.0349,"end":1160.355,"confidence":0.99609375,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":-0.010414982214570044},{"word":"and","start":1160.355,"end":1160.515,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00794476643204689},{"word":"thirty","start":1160.515,"end":1161.015,"confidence":0.9719238,"punctuated_word":"thirty.","sentiment":"neutral","sentiment_score":-0.010287532582879066},{"word":"yeah","start":1162.2899,"end":1162.69,"confidence":0.9746094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03405110538005829},{"word":"yeah","start":1162.69,"end":1162.85,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04138224944472313},{"word":"yeah","start":1162.85,"end":1163.09,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04582945629954338},{"word":"yeah","start":1163.09,"end":1163.59,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.061392880976200104},{"word":"yeah","start":1163.89,"end":1164.2899,"confidence":0.73791504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09410938620567322},{"word":"that's","start":1164.2899,"end":1164.61,"confidence":0.92993164,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15831366181373596},{"word":"fine","start":1164.61,"end":1165.11,"confidence":0.9970703,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.11777443438768388},{"word":"yep","start":1176.21,"end":1176.71,"confidence":0.9328613,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13079431653022766},{"word":"yeah","start":1185.065,"end":1185.3049,"confidence":0.9177246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05326797068119049},{"word":"yeah","start":1185.3049,"end":1185.705,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09183469414711},{"word":"yeah","start":1185.705,"end":1186.205,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1074347198009491},{"word":"yeah","start":1186.2649,"end":1186.4249,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15268126130104065},{"word":"that's","start":1186.4249,"end":1186.745,"confidence":0.9667969,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2521084249019623},{"word":"fine","start":1186.745,"end":1187.065,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2488868683576584},{"word":"yeah","start":1187.065,"end":1187.565,"confidence":0.92211914,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.36232346296310425},{"word":"yep","start":1196.79,"end":1197.29,"confidence":0.7883301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07991865277290344},{"word":"sure","start":1208.945,"end":1209.445,"confidence":0.9880371,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.15514492988586426},{"word":"mhmm","start":1209.9049,"end":1210.4049,"confidence":0.998291,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1616067886352539},{"word":"mhmm","start":1213.985,"end":1214.485,"confidence":0.9958496,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.17671993374824524},{"word":"yep","start":1219.585,"end":1219.92,"confidence":0.7988281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2295114099979401},{"word":"okay","start":1229.36,"end":1229.68,"confidence":0.9633789,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.030541954562067986},{"word":"no","start":1229.68,"end":1230.0,"confidence":0.91430664,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11501172930002213},{"word":"no","start":1230.0,"end":1230.24,"confidence":0.8881836,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1492142677307129},{"word":"i'm","start":1230.24,"end":1230.3201,"confidence":0.7687988,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14945781230926514},{"word":"really","start":1230.3201,"end":1230.56,"confidence":0.48754883,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2408539652824402},{"word":"okay","start":1230.56,"end":1230.88,"confidence":0.74560547,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.03984910249710083},{"word":"yep","start":1230.88,"end":1231.38,"confidence":0.9785156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12872976064682007},{"word":"power","start":1240.0951,"end":1240.4951,"confidence":0.6850586,"punctuated_word":"Power","sentiment":"neutral","sentiment_score":-0.03942500054836273},{"word":"returning","start":1240.4951,"end":1240.9951,"confidence":0.87597656,"punctuated_word":"returning?","sentiment":"neutral","sentiment_score":-0.025276176631450653},{"word":"no","start":1243.8551,"end":1244.0951,"confidence":0.9855957,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2656917870044708},{"word":"it's","start":1244.0951,"end":1244.255,"confidence":0.579834,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.23513087630271912},{"word":"not","start":1244.255,"end":1244.4951,"confidence":0.62109375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2400536984205246},{"word":"happening","start":1244.4951,"end":1244.94,"confidence":0.6661377,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":-0.23462487757205963},{"word":"no","start":1252.46,"end":1252.7,"confidence":0.94921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1388709992170334},{"word":"i","start":1252.7,"end":1252.7799,"confidence":0.98291016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10818944871425629},{"word":"haven't","start":1252.7799,"end":1253.0199,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.09246640652418137},{"word":"done","start":1253.0199,"end":1253.2599,"confidence":0.99609375,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.1649034172296524},{"word":"any","start":1253.2599,"end":1253.5,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1584564745426178},{"word":"of","start":1253.5,"end":1253.58,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17413410544395447},{"word":"that","start":1253.58,"end":1254.08,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.18443921208381653},{"word":"okay","start":1259.7949,"end":1260.2949,"confidence":0.67736816,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1216910481452942},{"word":"and","start":1274.595,"end":1274.755,"confidence":0.3581543,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08577779680490494},{"word":"you","start":1274.755,"end":1275.24,"confidence":0.62158203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1633254587650299},{"word":"just","start":1276.04,"end":1276.12,"confidence":0.72998047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09393967688083649},{"word":"and","start":1276.12,"end":1276.36,"confidence":0.7060547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08135291188955307},{"word":"you","start":1276.36,"end":1276.44,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07490724325180054},{"word":"just","start":1276.44,"end":1276.6799,"confidence":0.6600342,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.08380908519029617},{"word":"like","start":1276.6799,"end":1276.92,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10586383938789368},{"word":"drop","start":1276.92,"end":1277.08,"confidence":0.3244629,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.0752175897359848},{"word":"it","start":1277.08,"end":1277.24,"confidence":0.46166992,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07975632697343826},{"word":"yourself","start":1277.24,"end":1277.64,"confidence":0.7524414,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.08743519335985184},{"word":"yeah","start":1277.64,"end":1278.14,"confidence":0.9592285,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.07176577299833298},{"word":"yeah","start":1284.76,"end":1285.26,"confidence":0.89404297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09144995361566544},{"word":"okay","start":1290.2,"end":1290.7,"confidence":0.98706055,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0059000831097364426},{"word":"okay","start":1292.4451,"end":1292.765,"confidence":0.7272949,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.11440430581569672},{"word":"yeah","start":1292.765,"end":1293.005,"confidence":0.85839844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05241917073726654},{"word":"that's","start":1293.005,"end":1293.3251,"confidence":0.5649414,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04726828634738922},{"word":"something","start":1293.3251,"end":1293.645,"confidence":0.97314453,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.08204714953899384},{"word":"that","start":1293.645,"end":1293.885,"confidence":0.9506836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07299618422985077},{"word":"that's","start":1293.885,"end":1294.125,"confidence":0.8557129,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08853616565465927},{"word":"something","start":1294.125,"end":1294.4451,"confidence":0.9902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.09353527426719666},{"word":"that","start":1294.4451,"end":1294.605,"confidence":0.96875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08864300698041916},{"word":"happened","start":1294.605,"end":1294.925,"confidence":0.82910156,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.06262598931789398},{"word":"in","start":1294.925,"end":1295.085,"confidence":0.44360352,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08228680491447449},{"word":"today","start":1295.085,"end":1295.485,"confidence":0.6571045,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.018274925649166107},{"word":"yeah","start":1295.485,"end":1295.985,"confidence":0.6583252,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11463195830583572},{"word":"yep","start":1304.045,"end":1304.52,"confidence":0.7807617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1420067846775055},{"word":"yep","start":1307.0801,"end":1307.5801,"confidence":0.9770508,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14195941388607025},{"word":"okay","start":1308.28,"end":1308.78,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19316180050373075},{"word":"yep","start":1327.975,"end":1328.475,"confidence":0.95092773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08246564865112305},{"word":"yep","start":1328.615,"end":1328.91,"confidence":0.69421387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1000102162361145},{"word":"yep","start":1338.43,"end":1338.67,"confidence":0.7805176,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08397199213504791},{"word":"yep","start":1338.67,"end":1339.17,"confidence":0.7602539,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09062401950359344},{"word":"okay","start":1344.11,"end":1344.525,"confidence":0.97314453,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23533666133880615},{"word":"yeah","start":1344.765,"end":1345.265,"confidence":0.75805664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2239367961883545},{"word":"yeah","start":1357.5651,"end":1357.92,"confidence":0.75219727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2516547739505768},{"word":"yep","start":1363.36,"end":1363.86,"confidence":0.74194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2997990846633911},{"word":"yep","start":1367.04,"end":1367.54,"confidence":0.94799805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2240501344203949},{"word":"mhmm","start":1370.3201,"end":1370.475,"confidence":0.9937744,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04726459085941315},{"word":"yep","start":1377.4349,"end":1377.9349,"confidence":0.7158203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15062479674816132},{"word":"okay","start":1379.9149,"end":1380.4149,"confidence":0.984375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1413985788822174},{"word":"no","start":1386.11,"end":1386.51,"confidence":0.9067383,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10833026468753816},{"word":"not","start":1386.51,"end":1386.67,"confidence":0.9902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.15466642379760742},{"word":"at","start":1386.67,"end":1386.91,"confidence":0.9316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.15780127048492432},{"word":"this","start":1386.91,"end":1387.2301,"confidence":0.9770508,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1730029284954071},{"word":"stage","start":1387.2301,"end":1387.55,"confidence":0.9951172,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.13568022847175598},{"word":"i","start":1387.55,"end":1387.7101,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18371371924877167},{"word":"guess","start":1387.7101,"end":1388.03,"confidence":0.97509766,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.1533191055059433},{"word":"i","start":1388.03,"end":1388.1901,"confidence":0.6333008,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16996832191944122},{"word":"tend","start":1388.1901,"end":1388.51,"confidence":0.60253906,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.10622938722372056},{"word":"to","start":1388.51,"end":1388.67,"confidence":0.9316406,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.10251786559820177},{"word":"like","start":1388.67,"end":1389.17,"confidence":0.9875488,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08073404431343079},{"word":"financial","start":1389.7101,"end":1390.2101,"confidence":0.43530273,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.057059332728385925},{"word":"advice","start":1390.43,"end":1390.8301,"confidence":0.7573242,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.029257625341415405},{"word":"in","start":1390.8301,"end":1391.0701,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.064967080950737},{"word":"terms","start":1391.0701,"end":1391.2301,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.018964633345603943},{"word":"of","start":1391.2301,"end":1391.39,"confidence":0.96313477,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.04938274249434471},{"word":"like","start":1391.39,"end":1391.55,"confidence":0.95532227,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0605369545519352},{"word":"you","start":1391.55,"end":1391.79,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.057733215391635895},{"word":"know","start":1391.79,"end":1392.29,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06811974197626114},{"word":"you","start":1393.0701,"end":1393.31,"confidence":0.4885254,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.045754846185445786},{"word":"know","start":1393.31,"end":1393.55,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0539654828608036},{"word":"when","start":1393.55,"end":1393.7101,"confidence":0.75439453,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.02690494805574417},{"word":"we're","start":1393.7101,"end":1393.87,"confidence":0.9567871,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.01619914174079895},{"word":"looking","start":1393.87,"end":1394.11,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0068210214376449585},{"word":"to","start":1394.11,"end":1394.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0015082359313964844},{"word":"buy","start":1395.15,"end":1395.65,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.003448285162448883},{"word":"a","start":1396.03,"end":1396.3501,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015409842133522034},{"word":"house","start":1396.3501,"end":1396.8501,"confidence":0.7504883,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":-0.02550605870783329},{"word":"right","start":1396.91,"end":1397.265,"confidence":0.9926758,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.019322045147418976},{"word":"say","start":1398.625,"end":1398.865,"confidence":0.6791992,"punctuated_word":"Say,","sentiment":"neutral","sentiment_score":-0.01089746505022049},{"word":"like","start":1398.865,"end":1399.105,"confidence":0.96362305,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.004598502069711685},{"word":"for","start":1399.105,"end":1399.265,"confidence":0.9370117,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01922251284122467},{"word":"instance","start":1399.265,"end":1399.665,"confidence":0.9343262,"punctuated_word":"instance,","sentiment":"neutral","sentiment_score":0.005547158420085907},{"word":"like","start":1399.665,"end":1399.985,"confidence":0.5057373,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02776792459189892},{"word":"investment","start":1399.985,"end":1400.485,"confidence":0.74316406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04899734631180763},{"word":"property","start":1400.545,"end":1401.045,"confidence":0.8364258,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.030275020748376846},{"word":"in","start":1401.8251,"end":1401.905,"confidence":0.9248047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02126280963420868},{"word":"terms","start":1401.905,"end":1402.225,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.03582637384533882},{"word":"of","start":1402.225,"end":1402.465,"confidence":0.9614258,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.018675360828638077},{"word":"like","start":1402.465,"end":1402.705,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02078632265329361},{"word":"the","start":1402.705,"end":1402.865,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042239945381879807},{"word":"cover","start":1402.865,"end":1403.365,"confidence":0.99121094,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.058576229959726334},{"word":"through","start":1403.505,"end":1404.005,"confidence":0.5024414,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05059421434998512},{"word":"netwealth","start":1404.705,"end":1405.205,"confidence":0.6496582,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.0780426561832428},{"word":"and","start":1405.265,"end":1405.665,"confidence":0.95166016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06907999515533447},{"word":"through","start":1405.665,"end":1405.905,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06507369875907898},{"word":"my","start":1405.905,"end":1406.405,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05686905235052109},{"word":"business","start":1407.985,"end":1408.465,"confidence":0.25390625,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.06427372992038727},{"word":"and","start":1408.465,"end":1408.545,"confidence":0.6958008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013309862464666368},{"word":"such","start":1408.545,"end":1408.865,"confidence":0.99121094,"punctuated_word":"such","sentiment":"neutral","sentiment_score":0.023017436265945435},{"word":"in","start":1408.865,"end":1409.025,"confidence":0.8305664,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008986331522464752},{"word":"terms","start":1409.025,"end":1409.265,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.017541512846946716},{"word":"of","start":1409.265,"end":1409.505,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027380503714084625},{"word":"which","start":1409.505,"end":1409.745,"confidence":0.82666016,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.006911858916282654},{"word":"i","start":1409.745,"end":1409.8251,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.021909885108470917},{"word":"already","start":1409.8251,"end":1410.145,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.02962515503168106},{"word":"pay","start":1410.145,"end":1410.465,"confidence":0.9123535,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":0.002333989366889},{"word":"is","start":1410.465,"end":1410.625,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04646160081028938},{"word":"there","start":1410.625,"end":1410.785,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.03777727484703064},{"word":"any","start":1410.785,"end":1411.025,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.028917722404003143},{"word":"sort","start":1411.025,"end":1411.265,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05613448843359947},{"word":"of","start":1411.265,"end":1411.425,"confidence":0.9030762,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.07125131785869598},{"word":"like","start":1411.425,"end":1411.74,"confidence":0.95751953,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06570953130722046},{"word":"someone","start":1413.42,"end":1413.74,"confidence":0.9472656,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.03653702884912491},{"word":"that","start":1413.74,"end":1413.9,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018867485225200653},{"word":"gives","start":1413.9,"end":1414.4,"confidence":0.9614258,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.02856065332889557},{"word":"guidance","start":1414.46,"end":1414.86,"confidence":0.8828125,"punctuated_word":"guidance","sentiment":"neutral","sentiment_score":0.030650712549686432},{"word":"in","start":1414.86,"end":1414.94,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.013085134327411652},{"word":"terms","start":1414.94,"end":1415.1799,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.025110960006713867},{"word":"of","start":1415.1799,"end":1415.26,"confidence":0.967041,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.019625023007392883},{"word":"like","start":1415.26,"end":1415.5,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.022525165230035785},{"word":"what","start":1415.5,"end":1415.66,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03658007085323334},{"word":"i","start":1415.66,"end":1415.82,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012927994132041931},{"word":"should","start":1415.82,"end":1416.14,"confidence":0.9873047,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0016028359532356262},{"word":"what","start":1416.22,"end":1416.46,"confidence":0.8828125,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.025523275136947632},{"word":"my","start":1416.46,"end":1416.54,"confidence":0.9291992,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.00751863420009613},{"word":"options","start":1416.54,"end":1417.04,"confidence":0.53515625,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.02456705272197723},{"word":"would","start":1417.1,"end":1417.26,"confidence":0.3330078,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03626728802919388},{"word":"be","start":1417.26,"end":1417.76,"confidence":0.4116211,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.012567169964313509},{"word":"on","start":1417.98,"end":1418.22,"confidence":0.6459961,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02613646537065506},{"word":"the","start":1418.22,"end":1418.3,"confidence":0.32617188,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006380580365657806},{"word":"terms","start":1418.3,"end":1418.62,"confidence":0.36157227,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.030958987772464752},{"word":"of","start":1418.62,"end":1418.78,"confidence":0.94921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027999602258205417},{"word":"how","start":1418.78,"end":1418.94,"confidence":0.9951172,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03543395549058914},{"word":"to","start":1418.94,"end":1419.1,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01620546728372574},{"word":"use","start":1419.1,"end":1419.6,"confidence":0.96655273,"punctuated_word":"use,","sentiment":"neutral","sentiment_score":0.025433115661144257},{"word":"i","start":1420.22,"end":1420.3,"confidence":0.79003906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0146721750497818},{"word":"guess","start":1420.3,"end":1420.62,"confidence":0.939209,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.03914482891559601},{"word":"equity","start":1420.62,"end":1421.02,"confidence":0.9892578,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.06968377530574799},{"word":"in","start":1421.02,"end":1421.1,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.024861499667167664},{"word":"my","start":1421.1,"end":1421.26,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0072678253054618835},{"word":"house","start":1421.26,"end":1421.5,"confidence":0.9980469,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.0434887669980526},{"word":"for","start":1421.5,"end":1421.74,"confidence":0.55810547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.012542299926280975},{"word":"such","start":1421.74,"end":1421.98,"confidence":0.80371094,"punctuated_word":"such","sentiment":"neutral","sentiment_score":0.02158775180578232},{"word":"device","start":1421.98,"end":1422.38,"confidence":0.5234375,"punctuated_word":"device","sentiment":"neutral","sentiment_score":0.022473640739917755},{"word":"and","start":1422.38,"end":1422.54,"confidence":0.6430664,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0018305294215679169},{"word":"things","start":1422.54,"end":1422.86,"confidence":0.9536133,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0046583376824855804},{"word":"and","start":1422.86,"end":1423.02,"confidence":0.8618164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.002804148942232132},{"word":"so","start":1423.02,"end":1423.1799,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0005220174789428711},{"word":"on","start":1423.1799,"end":1423.6799,"confidence":0.9848633,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.0010153260082006454},{"word":"yeah","start":1449.92,"end":1450.42,"confidence":0.70617676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038974881172180176},{"word":"yep","start":1454.88,"end":1455.165,"confidence":0.7147217,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16798433661460876},{"word":"yeah","start":1463.165,"end":1463.665,"confidence":0.76000977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0218949057161808},{"word":"no","start":1469.3251,"end":1469.645,"confidence":0.98950195,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23646730184555056},{"word":"no","start":1469.645,"end":1469.885,"confidence":0.9790039,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2367236614227295},{"word":"i","start":1469.885,"end":1470.045,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23259130120277405},{"word":"haven't","start":1470.045,"end":1470.42,"confidence":0.98079425,"punctuated_word":"haven't.","sentiment":"neutral","sentiment_score":-0.19866207242012024},{"word":"no","start":1482.1001,"end":1482.6001,"confidence":0.9909668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12110305577516556},{"word":"mhmm","start":1505.65,"end":1506.15,"confidence":0.8840332,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02599293366074562},{"word":"of","start":1506.5299,"end":1506.69,"confidence":0.796875,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.05029730126261711},{"word":"my","start":1506.69,"end":1506.9299,"confidence":0.72558594,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.06394989788532257},{"word":"plate","start":1506.9299,"end":1507.4299,"confidence":0.6850586,"punctuated_word":"plate?","sentiment":"neutral","sentiment_score":-0.043112680315971375},{"word":"oh","start":1508.21,"end":1508.71,"confidence":0.6727295,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.006938407197594643},{"word":"yeah","start":1509.49,"end":1509.8099,"confidence":0.9916992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0318988598883152},{"word":"if","start":1509.8099,"end":1509.97,"confidence":0.47070312,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.019394375383853912},{"word":"you've","start":1509.97,"end":1510.0499,"confidence":0.7055664,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.022482415661215786},{"word":"got","start":1510.0499,"end":1510.37,"confidence":0.98291016,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0016978830099105835},{"word":"a","start":1510.37,"end":1510.45,"confidence":0.7192383,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012764567509293556},{"word":"1.8","start":1510.45,"end":1511.09,"confidence":0.9880371,"punctuated_word":"1.8,","sentiment":"neutral","sentiment_score":0.006728667765855789},{"word":"i'd","start":1511.09,"end":1511.25,"confidence":0.9831543,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.0046730851754546165},{"word":"say","start":1511.25,"end":1511.685,"confidence":0.9199219,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":0.002960333600640297},{"word":"1.8","start":1512.165,"end":1512.805,"confidence":0.7207845,"punctuated_word":"1.8","sentiment":"neutral","sentiment_score":0.01782940700650215},{"word":"to","start":1512.805,"end":1512.9651,"confidence":0.8339844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01581074669957161},{"word":"2","start":1512.9651,"end":1513.4651,"confidence":0.9279785,"punctuated_word":"2.","sentiment":"neutral","sentiment_score":0.08568664640188217},{"word":"yeah","start":1518.005,"end":1518.2451,"confidence":0.86621094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11006224155426024},{"word":"yep","start":1518.2451,"end":1518.7451,"confidence":0.7609863,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05954354256391525},{"word":"mhmm","start":1524.4601,"end":1524.9601,"confidence":0.9116211,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.10798770189285278},{"word":"yep","start":1539.02,"end":1539.52,"confidence":0.9399414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06400749087333679},{"word":"okay","start":1541.2649,"end":1541.7649,"confidence":0.90185547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1019446700811386},{"word":"yep","start":1551.5049,"end":1552.0049,"confidence":0.90893555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.004273600876331329},{"word":"yep","start":1552.625,"end":1552.95,"confidence":0.81518555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013343792408704758},{"word":"okay","start":1555.4299,"end":1555.9299,"confidence":0.9802246,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09300246089696884},{"word":"yep","start":1560.07,"end":1560.57,"confidence":0.79663086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08866487443447113},{"word":"mhmm","start":1564.23,"end":1564.73,"confidence":0.98876953,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13400661945343018},{"word":"yeah","start":1575.5751,"end":1575.975,"confidence":0.9719238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09390737861394882},{"word":"yeah","start":1575.975,"end":1576.135,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08438002318143845},{"word":"yeah","start":1576.135,"end":1576.615,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07872168719768524},{"word":"okay","start":1576.615,"end":1577.115,"confidence":0.94433594,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0811300128698349},{"word":"yep","start":1582.055,"end":1582.26,"confidence":0.8947754,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.006520822644233704},{"word":"mhmm","start":1596.02,"end":1596.5,"confidence":0.9324951,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0051086340099573135},{"word":"yep","start":1596.5,"end":1597.0,"confidence":0.94433594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018222983926534653},{"word":"mhmm","start":1613.07,"end":1613.57,"confidence":0.95581055,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.025550520047545433},{"word":"mhmm","start":1616.9099,"end":1616.99,"confidence":0.85565186,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01476468425244093},{"word":"yeah","start":1616.99,"end":1617.49,"confidence":0.75097656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06319001317024231},{"word":"okay","start":1621.3899,"end":1621.7899,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.062145061790943146},{"word":"yeah","start":1621.7899,"end":1622.2899,"confidence":0.9111328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05902464687824249},{"word":"okay","start":1624.0299,"end":1624.5299,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.045158036053180695},{"word":"yep","start":1629.085,"end":1629.585,"confidence":0.92626953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08377479761838913},{"word":"yeah","start":1633.725,"end":1634.205,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05404794216156006},{"word":"yeah","start":1634.205,"end":1634.365,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06017369031906128},{"word":"yeah","start":1634.365,"end":1634.5249,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06519979983568192},{"word":"yeah","start":1634.5249,"end":1634.765,"confidence":0.98168945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07900065183639526},{"word":"yeah","start":1634.765,"end":1635.265,"confidence":0.9133301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09513986855745316},{"word":"mhmm","start":1637.1,"end":1637.6,"confidence":0.90441895,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0557219460606575},{"word":"mhmm","start":1651.02,"end":1651.52,"confidence":0.9333496,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.027444303035736084},{"word":"yep","start":1652.5399,"end":1652.835,"confidence":0.828125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02768128737807274},{"word":"yeah","start":1661.5549,"end":1662.0549,"confidence":0.9724121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02041381597518921},{"word":"okay","start":1662.115,"end":1662.615,"confidence":0.9807129,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02083294652402401},{"word":"okay","start":1665.075,"end":1665.39,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02555057778954506},{"word":"yep","start":1677.9501,"end":1678.335,"confidence":0.7687988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02770419977605343},{"word":"yeah","start":1699.7899,"end":1700.03,"confidence":0.7340088,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09997434914112092},{"word":"okay","start":1700.03,"end":1700.53,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12191462516784668},{"word":"yeah","start":1705.7899,"end":1706.055,"confidence":0.7866211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13950133323669434},{"word":"okay","start":1706.6151,"end":1707.1151,"confidence":0.99658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10078903287649156},{"word":"yeah","start":1714.6951,"end":1715.1951,"confidence":0.8515625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13190308213233948},{"word":"how","start":1717.175,"end":1717.3351,"confidence":0.8173828,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.04385041072964668},{"word":"about","start":1717.3351,"end":1717.5751,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03753376379609108},{"word":"the","start":1717.5751,"end":1717.7351,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024501051753759384},{"word":"mortgage","start":1717.7351,"end":1718.19,"confidence":0.98583984,"punctuated_word":"mortgage?","sentiment":"neutral","sentiment_score":0.04053231328725815},{"word":"yeah","start":1718.35,"end":1718.85,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011708560399711132},{"word":"yeah","start":1719.95,"end":1720.45,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005826991051435471},{"word":"right","start":1722.2699,"end":1722.5099,"confidence":0.60565186,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.030747270211577415},{"word":"so","start":1722.5099,"end":1722.6699,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01219235733151436},{"word":"you're","start":1722.6699,"end":1722.9099,"confidence":0.96533203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01369575597345829},{"word":"basically","start":1722.9099,"end":1723.3099,"confidence":0.98828125,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.009923702105879784},{"word":"just","start":1723.3099,"end":1723.6299,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.00709298811852932},{"word":"only","start":1723.6299,"end":1723.87,"confidence":0.62158203,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.011351866647601128},{"word":"paying","start":1723.87,"end":1724.37,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.015546746551990507},{"word":"for","start":1726.11,"end":1726.23,"confidence":0.58691406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.018860550597310063},{"word":"a","start":1726.23,"end":1726.35,"confidence":0.9316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019346635788679123},{"word":"100","start":1726.35,"end":1726.75,"confidence":0.9951172,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.022760998457670212},{"word":"or","start":1726.75,"end":1726.99,"confidence":0.76416016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.023348886519670486},{"word":"whatever","start":1726.99,"end":1727.3899,"confidence":0.9941406,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.02789220958948135},{"word":"it","start":1727.3899,"end":1727.47,"confidence":0.85839844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.022371606901288033},{"word":"is","start":1727.47,"end":1727.71,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015498967841267586},{"word":"that","start":1727.71,"end":1727.95,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015799809247255325},{"word":"you're","start":1727.95,"end":1728.45,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.015805955976247787},{"word":"paying","start":1728.5099,"end":1728.83,"confidence":0.94140625,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.017575915902853012},{"word":"on","start":1728.83,"end":1728.99,"confidence":0.98828125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01808091625571251},{"word":"your","start":1728.99,"end":1729.1499,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015309110283851624},{"word":"personal","start":1729.1499,"end":1729.6499,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.01541043259203434},{"word":"loan","start":1729.87,"end":1730.37,"confidence":0.9863281,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.017604311928153038},{"word":"because","start":1731.07,"end":1731.3899,"confidence":0.90722656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.01806353405117989},{"word":"of","start":1731.3899,"end":1731.5499,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00886615552008152},{"word":"the","start":1731.5499,"end":1732.0499,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008912656456232071},{"word":"what's","start":1736.845,"end":1737.1649,"confidence":0.45324707,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.007285851985216141},{"word":"the","start":1737.1649,"end":1737.325,"confidence":0.8798828,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0027100946754217148},{"word":"code","start":1737.325,"end":1737.825,"confidence":0.70874023,"punctuated_word":"code?","sentiment":"neutral","sentiment_score":0.004914787597954273},{"word":"yeah","start":1738.365,"end":1738.6849,"confidence":0.89453125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020761286839842796},{"word":"for","start":1738.6849,"end":1738.845,"confidence":0.9770508,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.01335481833666563},{"word":"that","start":1738.845,"end":1739.085,"confidence":0.7841797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021889228373765945},{"word":"deposit","start":1739.085,"end":1739.565,"confidence":0.9680176,"punctuated_word":"deposit.","sentiment":"neutral","sentiment_score":0.018301427364349365},{"word":"yeah","start":1739.565,"end":1739.8849,"confidence":0.9206543,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051098085939884186},{"word":"yeah","start":1739.8849,"end":1740.3849,"confidence":0.8276367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06718310713768005},{"word":"okay","start":1741.8049,"end":1742.3049,"confidence":0.9616699,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1264912188053131},{"word":"yeah","start":1759.9501,"end":1760.4501,"confidence":0.6536865,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07565443217754364},{"word":"yep","start":1763.705,"end":1764.205,"confidence":0.8654785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06518039107322693},{"word":"yeah","start":1766.745,"end":1767.245,"confidence":0.9523926,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.095695361495018},{"word":"yeah","start":1767.3849,"end":1767.8849,"confidence":0.8137207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14317047595977783},{"word":"yep","start":1768.505,"end":1769.005,"confidence":0.79663086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26224249601364136},{"word":"mhmm","start":1773.705,"end":1774.205,"confidence":0.9925537,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08781810849905014},{"word":"yeah","start":1787.74,"end":1788.045,"confidence":0.6534424,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08799338340759277},{"word":"mhmm","start":1796.365,"end":1796.865,"confidence":0.9406738,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.24910566210746765},{"word":"yeah","start":1798.045,"end":1798.545,"confidence":0.96118164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07433624565601349},{"word":"okay","start":1800.125,"end":1800.625,"confidence":0.77978516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.05077226459980011},{"word":"mhmm","start":1823.985,"end":1824.485,"confidence":0.9326172,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.03135664016008377},{"word":"okay","start":1824.785,"end":1825.265,"confidence":0.9667969,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.007181614637374878},{"word":"yep","start":1825.265,"end":1825.765,"confidence":0.7034912,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02332473360002041},{"word":"yep","start":1826.9451,"end":1827.4451,"confidence":0.8039551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04999515414237976},{"word":"okay","start":1828.0651,"end":1828.41,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05292949825525284},{"word":"okay","start":1836.89,"end":1837.39,"confidence":0.8857422,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1132565587759018},{"word":"yeah","start":1842.01,"end":1842.41,"confidence":0.7312012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15450996160507202},{"word":"no","start":1842.41,"end":1842.5701,"confidence":0.8676758,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2097373604774475},{"word":"worries","start":1842.5701,"end":1843.05,"confidence":0.99902344,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.25385773181915283},{"word":"okay","start":1843.05,"end":1843.55,"confidence":0.98999023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3074248433113098},{"word":"perfect","start":1845.585,"end":1846.085,"confidence":0.7976074,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3876444697380066},{"word":"no","start":1847.185,"end":1847.505,"confidence":0.9316406,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.34342485666275024},{"word":"no","start":1847.505,"end":1847.745,"confidence":0.8820801,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.482124924659729},{"word":"not","start":1847.745,"end":1847.985,"confidence":0.59375,"punctuated_word":"Not","sentiment":"negative","sentiment_score":-0.5814764499664307},{"word":"working","start":1847.985,"end":1848.485,"confidence":0.5911865,"punctuated_word":"working.","sentiment":"negative","sentiment_score":-0.5382697582244873},{"word":"yep","start":1858.27,"end":1858.77,"confidence":0.9194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10088534653186798},{"word":"okay","start":1865.15,"end":1865.31,"confidence":0.8569336,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2550418972969055},{"word":"alright","start":1865.31,"end":1865.63,"confidence":0.8244629,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3971551060676574},{"word":"sounds","start":1865.63,"end":1865.87,"confidence":0.99609375,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.7355550527572632},{"word":"good","start":1865.87,"end":1866.11,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7303218841552734},{"word":"then","start":1866.11,"end":1866.61,"confidence":0.9099121,"punctuated_word":"then.","sentiment":"positive","sentiment_score":0.6933901906013489},{"word":"okay","start":1868.99,"end":1869.255,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4940717816352844},{"word":"perfect","start":1874.855,"end":1875.175,"confidence":0.98706055,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6892367601394653},{"word":"no","start":1875.175,"end":1875.415,"confidence":0.99609375,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.42837750911712646},{"word":"worries","start":1875.415,"end":1875.655,"confidence":0.99902344,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.4941368103027344},{"word":"thanks","start":1875.655,"end":1875.8151,"confidence":0.9980469,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.7099512815475464},{"word":"for","start":1875.8151,"end":1875.975,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.730883777141571},{"word":"reaching","start":1875.975,"end":1876.295,"confidence":1.0,"punctuated_word":"reaching","sentiment":"positive","sentiment_score":0.6438831686973572},{"word":"out","start":1876.295,"end":1876.795,"confidence":0.99609375,"punctuated_word":"out.","sentiment":"positive","sentiment_score":0.6437375545501709},{"word":"alright","start":1879.895,"end":1880.135,"confidence":0.97314453,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2897748649120331},{"word":"thanks","start":1880.135,"end":1880.615,"confidence":0.95532227,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5712552666664124},{"word":"bye","start":1880.615,"end":1881.115,"confidence":0.9890137,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.34723204374313354}],"paragraphs":{"transcript":"\nHello? Yeah. Good. Thanks, Bill. Okay.\n\nYeah. Yeah. Yeah. That's fine. Yeah.\n\nThat one looks fine. Yeah. 09/27/1995. 10 Goola Street, Seabirdown, South Australia. Yes.\n\nThat's fine. Mhmm. Yeah. No. I think we can I can kinda just look on through it?\n\nYeah. Mhmm. Okay. No. I guess, you know, just in terms of performance and stuff and how we're doing.\n\nSo yep. Mhmm. Okay. I'm just checking my spam. Tommy yep.\n\nHere we go. Yep. Yeah. Yeah. Yeah.\n\nYeah. At the time, well, yeah. Yeah. Mhmm. No.\n\nNo. Not at this stage. No. This is so, actually, you know, yeah, we'll probably be looking to build sorry. Or build or buy is what we're currently working on.\n\nYep. Oh, yeah. Yeah. I've been looking into that. Mhmm.\n\nYeah. No worries. Yep. Mhmm. So I'm just it's just basically saying it's fine document.\n\nIs that the one starting to do? I haven't got any assessment. Yeah. Mhmm. Oh, yeah.\n\nRight at the bottom. Yeah. Yeah. Yep. So which one am I looking at?\n\nOkay. Yep. Yep. One second. Okay.\n\nYep. Yeah. Yep. To be honest, that's one thing I probably missed. The last six months for sure.\n\nYep. But I have kind of got it in the back of my mind. I'm not sure that you can't be performing that well, but yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. Okay. So NetWell super asset performance detail.\n\nYeah? Yep. Yep. Yep. Mhmm.\n\nYep. Mhmm. Oh, yeah. To be honest with that, but yeah. Okay.\n\nMhmm. Mhmm. Mhmm. Yep. Yeah.\n\nMhmm. Yeah. Okay. Mhmm. I think probably at this stage, I wouldn't yeah.\n\nI don't think, you know, I don't wanna make any sort of drastic changes right now. Yeah. I mean, what are you what are your thoughts on that? Yeah. You know, I guess, everyone will wanna retire as early as possible.\n\nYeah. Yeah. Hope he wins the lotto tonight and be out of work. Yeah. That'd be good.\n\nYeah. Yes. Yes. Yeah. Yep.\n\nYep. Yeah. Okay. Yes. Okay.\n\nYes. So, basically, if it wasn't for that, we would have been up by about 10,000 to 11,000. Because at the moment, it's basically just a breakeven. Right? Yeah.\n\nOkay. And so why wasn't the decision made earlier to switch? Yeah. Yeah. Yeah.\n\nOkay. Yeah. Okay. Yep. Are there any others that are got a better portfolio in terms of less fees and stuff?\n\nOr mhmm. Yep. Yes. Yeah. No.\n\nI think maybe maybe that might be another question for, you know, question for next next annual review. I think at this moment, we might leave it as it is. Yeah. Yeah. Okay.\n\nYeah. Mhmm. Yeah. I think, yes. I'd like to also understand in terms of now in Colonial, like, you'll be able to compare to see where I've lost in Colonial as well.\n\nRight? Yep. Mhmm. Yeah. So I guess, yeah, I guess it's yeah.\n\nI guess what would be better, good for me to understand is, you know, in terms of performance wise, on the two are colonial versus, you know, in terms of, like, what we're investing through Networld. How much was Netwealth better or how much was you know, is it Colonial? What which one was better off for me for the last, you know, twelve months or so? Yep. Yeah.\n\nYeah. Okay. Yep. Yep. Okay.\n\nTo be honest, no. Yeah. Yep. Okay. Mhmm.\n\nI think I do that. Yeah. Correct. Yeah. Yes.\n\nYes. Okay. Yep. Mhmm. Okay.\n\nYep. Okay. Yep. Yes. Okay.\n\nYep. Yeah. Okay. Yep. Yep.\n\nYep. Mhmm. Yeah. It's 75% of the total. Right?\n\nOf a hundred and thirty. Yeah. Yeah. Yeah. Yeah.\n\nYeah. That's fine. Yep. Yeah. Yeah.\n\nYeah. Yeah. That's fine. Yeah. Yep.\n\nSure. Mhmm. Mhmm. Yep. Okay.\n\nNo. No. I'm really okay. Yep. Power returning?\n\nNo. It's not happening. No. I haven't done any of that. Okay.\n\nAnd you just and you just, like, drop it yourself. Yeah? Yeah. Okay. Okay.\n\nYeah. That's something that that's something that happened in today. Yeah. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nOkay. Yeah. Yeah. Yep. Yep.\n\nMhmm. Yep. Okay. No. Not at this stage.\n\nI guess I tend to, like, financial advice in terms of, like, you know you know, when we're looking to buy a house. Right? Say, like, for instance, like, investment property, in terms of, like, the cover through Netwealth and through my business and such in terms of which I already pay, is there any sort of, like, someone that gives guidance in terms of, like, what I should what my options would be on the terms of how to use, I guess, equity in my house for such device and things and so on? Yeah. Yep.\n\nYeah. No. No. I haven't. No.\n\nMhmm. Of my plate? Oh, yeah. If you've got a 1.8, I'd say. 1.8 to 2.\n\nYeah. Yep. Mhmm. Yep. Okay.\n\nYep. Yep. Okay. Yep. Mhmm.\n\nYeah. Yeah. Yeah. Okay. Yep.\n\nMhmm. Yep. Mhmm. Mhmm. Yeah.\n\nOkay. Yeah. Okay. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Mhmm.\n\nMhmm. Yep. Yeah. Okay. Okay.\n\nYep. Yeah. Okay. Yeah. Okay.\n\nYeah. How about the mortgage? Yeah. Yeah. Right.\n\nSo you're basically just only paying for a 100 or whatever it is that you're paying on your personal loan because of the what's the code? Yeah. For that deposit. Yeah. Yeah.\n\nOkay. Yeah. Yep. Yeah. Yeah.\n\nYep. Mhmm. Yeah. Mhmm. Yeah.\n\nOkay. Mhmm. Okay. Yep. Yep.\n\nOkay. Okay. Yeah. No worries. Okay.\n\nPerfect. No. No. Not working. Yep.\n\nOkay. Alright. Sounds good then. Okay. Perfect.\n\nNo worries. Thanks for reaching out. Alright. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.03453127294778824},{"text":"Yeah.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.25625544786453247},{"text":"Good.","start":7.68,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5605746507644653},{"text":"Thanks, Bill.","start":7.8399997,"end":8.66,"sentiment":"positive","sentiment_score":0.6899239420890808},{"text":"Okay.","start":14.96,"end":15.28,"sentiment":"neutral","sentiment_score":0.13104863464832306}],"sentiment":"positive","sentiment_score":0.3937096484005451,"num_words":6,"start":0.88,"end":15.28},{"sentences":[{"text":"Yeah.","start":15.28,"end":15.765,"sentiment":"neutral","sentiment_score":0.18605227768421173},{"text":"Yeah.","start":20.645,"end":21.045,"sentiment":"neutral","sentiment_score":0.09198400378227234},{"text":"Yeah.","start":21.045,"end":21.205,"sentiment":"neutral","sentiment_score":0.13047140836715698},{"text":"That's fine.","start":21.205,"end":22.025,"sentiment":"neutral","sentiment_score":0.27804677188396454},{"text":"Yeah.","start":38.29,"end":38.69,"sentiment":"neutral","sentiment_score":0.19197526574134827}],"sentiment":"neutral","sentiment_score":0.1927627498904864,"num_words":6,"start":15.28,"end":38.69},{"sentences":[{"text":"That one looks fine.","start":38.69,"end":39.75,"sentiment":"neutral","sentiment_score":0.3123256117105484},{"text":"Yeah.","start":49.504997,"end":49.745,"sentiment":"neutral","sentiment_score":0.0184570774435997},{"text":"09/27/1995.","start":49.745,"end":51.765,"sentiment":"neutral","sentiment_score":0.016699064522981644},{"text":"10 Goola Street, Seabirdown, South Australia.","start":52.625,"end":55.05,"sentiment":"neutral","sentiment_score":0.04010666348040104},{"text":"Yes.","start":59.03,"end":59.35,"sentiment":"neutral","sentiment_score":0.07013607770204544}],"sentiment":"neutral","sentiment_score":0.12271035749178666,"num_words":13,"start":38.69,"end":59.35},{"sentences":[{"text":"That's fine.","start":59.35,"end":60.09,"sentiment":"neutral","sentiment_score":0.13589243218302727},{"text":"Mhmm.","start":65.99,"end":66.405,"sentiment":"neutral","sentiment_score":0.04267857223749161},{"text":"Yeah.","start":72.325,"end":72.565,"sentiment":"neutral","sentiment_score":-0.005824476480484009},{"text":"No.","start":72.565,"end":72.885,"sentiment":"neutral","sentiment_score":-0.03825471550226211},{"text":"I think we can I can kinda just look on through it?","start":72.885,"end":75.765,"sentiment":"neutral","sentiment_score":-0.032825772340099015}],"sentiment":"neutral","sentiment_score":-0.00726617785061107,"num_words":17,"start":59.35,"end":75.765},{"sentences":[{"text":"Yeah.","start":75.765,"end":76.265,"sentiment":"neutral","sentiment_score":0.057146649807691574},{"text":"Mhmm.","start":93.06,"end":93.299995,"sentiment":"neutral","sentiment_score":0.05189893767237663},{"text":"Okay.","start":93.299995,"end":93.799995,"sentiment":"neutral","sentiment_score":0.058141350746154785},{"text":"No.","start":100.845,"end":101.085,"sentiment":"neutral","sentiment_score":-0.09287793189287186},{"text":"I guess, you know, just in terms of performance and stuff and how we're doing.","start":101.085,"end":104.005005,"sentiment":"neutral","sentiment_score":-0.05435891523957252}],"sentiment":"neutral","sentiment_score":-0.039003932750538775,"num_words":19,"start":75.765,"end":104.005005},{"sentences":[{"text":"So yep.","start":104.005005,"end":105.185005,"sentiment":"neutral","sentiment_score":0.03219909593462944},{"text":"Mhmm.","start":107.965004,"end":108.465004,"sentiment":"neutral","sentiment_score":-0.006899313535541296},{"text":"Okay.","start":120.19,"end":120.69,"sentiment":"neutral","sentiment_score":-0.0073222629725933075},{"text":"I'm just checking my spam.","start":121.345,"end":123.445,"sentiment":"neutral","sentiment_score":-0.12132081761956215},{"text":"Tommy yep.","start":123.985,"end":124.784996,"sentiment":"neutral","sentiment_score":0.0005026571452617645}],"sentiment":"neutral","sentiment_score":-0.05049292349510572,"num_words":11,"start":104.005005,"end":124.784996},{"sentences":[{"text":"Here we go.","start":124.784996,"end":125.345,"sentiment":"neutral","sentiment_score":0.058530120799938835},{"text":"Yep.","start":125.345,"end":125.845,"sentiment":"neutral","sentiment_score":0.22161361575126648},{"text":"Yeah.","start":144.48001,"end":144.88,"sentiment":"neutral","sentiment_score":0.07394739985466003},{"text":"Yeah.","start":144.88,"end":145.12001,"sentiment":"neutral","sentiment_score":0.08370077610015869},{"text":"Yeah.","start":145.12001,"end":145.335,"sentiment":"neutral","sentiment_score":0.10639368742704391}],"sentiment":"neutral","sentiment_score":0.09446369164756366,"num_words":7,"start":124.784996,"end":145.335},{"sentences":[{"text":"Yeah.","start":158.455,"end":158.77501,"sentiment":"neutral","sentiment_score":0.04041186347603798},{"text":"At the time, well, yeah.","start":158.77501,"end":159.975,"sentiment":"neutral","sentiment_score":0.02372107543051243},{"text":"Yeah.","start":159.975,"end":160.23,"sentiment":"neutral","sentiment_score":0.09019175171852112},{"text":"Mhmm.","start":168.31,"end":168.81,"sentiment":"neutral","sentiment_score":0.009954707697033882},{"text":"No.","start":171.26999,"end":171.51,"sentiment":"neutral","sentiment_score":-0.17785319685935974}],"sentiment":"neutral","sentiment_score":0.009034500353866153,"num_words":9,"start":158.455,"end":171.51},{"sentences":[{"text":"No.","start":171.51,"end":171.67,"sentiment":"neutral","sentiment_score":-0.2161237001419067},{"text":"Not at this stage.","start":171.67,"end":172.515,"sentiment":"neutral","sentiment_score":-0.27563047409057617},{"text":"No.","start":183.235,"end":183.735,"sentiment":"neutral","sentiment_score":-0.20216569304466248},{"text":"This is so, actually, you know, yeah, we'll probably be looking to build sorry.","start":184.035,"end":188.29001,"sentiment":"neutral","sentiment_score":-0.21547893115452357},{"text":"Or build or buy is what we're currently working on.","start":188.29001,"end":191.19,"sentiment":"neutral","sentiment_score":-0.1847597047686577}],"sentiment":"neutral","sentiment_score":-0.21283711244662604,"num_words":30,"start":171.51,"end":191.19},{"sentences":[{"text":"Yep.","start":192.85,"end":193.35,"sentiment":"neutral","sentiment_score":0.0353122316300869},{"text":"Oh, yeah.","start":199.81,"end":200.21,"sentiment":"neutral","sentiment_score":-0.05103529430925846},{"text":"Yeah.","start":200.21,"end":200.53,"sentiment":"neutral","sentiment_score":-0.03139752894639969},{"text":"I've been looking into that.","start":200.53,"end":201.91,"sentiment":"neutral","sentiment_score":-0.052142375707626344},{"text":"Mhmm.","start":212.615,"end":212.695,"sentiment":"neutral","sentiment_score":0.0370878130197525}],"sentiment":"neutral","sentiment_score":-0.032177995145320895,"num_words":10,"start":192.85,"end":212.695},{"sentences":[{"text":"Yeah.","start":212.695,"end":213.095,"sentiment":"neutral","sentiment_score":0.07491016387939453},{"text":"No worries.","start":213.095,"end":213.835,"sentiment":"neutral","sentiment_score":0.1344805508852005},{"text":"Yep.","start":222.71,"end":223.21,"sentiment":"neutral","sentiment_score":0.14232194423675537},{"text":"Mhmm.","start":228.07,"end":228.465,"sentiment":"neutral","sentiment_score":-0.005469872150570154},{"text":"So I'm just it's just basically saying it's fine document.","start":234.385,"end":237.665,"sentiment":"neutral","sentiment_score":0.2099793627858162}],"sentiment":"neutral","sentiment_score":0.17203446437294284,"num_words":15,"start":212.695,"end":237.665},{"sentences":[{"text":"Is that the one starting to do?","start":237.665,"end":239.285,"sentiment":"neutral","sentiment_score":0.16541530617645808},{"text":"I haven't got any assessment.","start":239.665,"end":241.525,"sentiment":"neutral","sentiment_score":-0.19128766357898713},{"text":"Yeah.","start":242.75,"end":243.25,"sentiment":"neutral","sentiment_score":0.002174616325646639},{"text":"Mhmm.","start":244.43001,"end":244.93001,"sentiment":"neutral","sentiment_score":0.0005496286321431398},{"text":"Oh, yeah.","start":247.39,"end":247.87001,"sentiment":"neutral","sentiment_score":0.006116518517956138}],"sentiment":"neutral","sentiment_score":0.013526631708373317,"num_words":16,"start":237.665,"end":247.87001},{"sentences":[{"text":"Right at the bottom.","start":247.87001,"end":248.51001,"sentiment":"neutral","sentiment_score":0.012794466689229012},{"text":"Yeah.","start":248.51001,"end":248.75,"sentiment":"neutral","sentiment_score":0.014112080447375774},{"text":"Yeah.","start":248.75,"end":248.99,"sentiment":"neutral","sentiment_score":0.017619233578443527},{"text":"Yep.","start":248.99,"end":249.39,"sentiment":"neutral","sentiment_score":0.026177313178777695},{"text":"So which one am I looking at?","start":249.39,"end":250.85,"sentiment":"neutral","sentiment_score":0.020727909303137233}],"sentiment":"neutral","sentiment_score":0.01815584707739098,"num_words":14,"start":247.87001,"end":250.85},{"sentences":[{"text":"Okay.","start":254.99,"end":255.23001,"sentiment":"neutral","sentiment_score":0.10708735883235931},{"text":"Yep.","start":255.23001,"end":255.525,"sentiment":"neutral","sentiment_score":0.14777277410030365},{"text":"Yep.","start":274.8,"end":275.12,"sentiment":"neutral","sentiment_score":0.06105610728263855},{"text":"One second.","start":275.12,"end":275.86,"sentiment":"neutral","sentiment_score":0.046695636585354805},{"text":"Okay.","start":285.315,"end":285.715,"sentiment":"neutral","sentiment_score":0.11734744161367416}],"sentiment":"neutral","sentiment_score":0.08777582583328088,"num_words":6,"start":254.99,"end":285.715},{"sentences":[{"text":"Yep.","start":285.715,"end":286.215,"sentiment":"neutral","sentiment_score":0.16222430765628815},{"text":"Yeah.","start":300.77,"end":301.27,"sentiment":"neutral","sentiment_score":0.08912559598684311},{"text":"Yep.","start":309.25,"end":309.705,"sentiment":"neutral","sentiment_score":0.12008345127105712},{"text":"To be honest, that's one thing I probably missed.","start":315.705,"end":317.88498,"sentiment":"neutral","sentiment_score":-0.11522298223442501},{"text":"The last six months for sure.","start":318.425,"end":319.78497,"sentiment":"neutral","sentiment_score":-0.08420622659226258}],"sentiment":"neutral","sentiment_score":-0.06504504693051179,"num_words":18,"start":285.715,"end":319.78497},{"sentences":[{"text":"Yep.","start":319.78497,"end":320.10498,"sentiment":"neutral","sentiment_score":-0.033645518124103546},{"text":"But I have kind of got it in the back of my mind.","start":320.10498,"end":321.94498,"sentiment":"neutral","sentiment_score":-0.17625779314683035},{"text":"I'm not sure that you can't be performing that well, but yeah.","start":321.94498,"end":324.21,"sentiment":"neutral","sentiment_score":-0.2767304368317127},{"text":"Yeah.","start":324.21,"end":324.71,"sentiment":"neutral","sentiment_score":-0.11912764608860016},{"text":"Yeah.","start":334.61,"end":335.11,"sentiment":"neutral","sentiment_score":-0.104105643928051}],"sentiment":"neutral","sentiment_score":-0.2096069771796465,"num_words":28,"start":319.78497,"end":335.11},{"sentences":[{"text":"Yeah.","start":338.69,"end":339.165,"sentiment":"neutral","sentiment_score":-0.04833076149225235},{"text":"Yeah.","start":348.685,"end":349.185,"sentiment":"neutral","sentiment_score":0.013798192143440248},{"text":"Yep.","start":359.35,"end":359.85,"sentiment":"neutral","sentiment_score":0.10497277975082396},{"text":"Okay.","start":365.59003,"end":366.09003,"sentiment":"neutral","sentiment_score":0.1262199878692627},{"text":"So NetWell super asset performance detail.","start":368.335,"end":370.655,"sentiment":"neutral","sentiment_score":0.20179136221607527}],"sentiment":"neutral","sentiment_score":0.1407408371567726,"num_words":10,"start":338.69,"end":370.655},{"sentences":[{"text":"Yeah?","start":370.655,"end":371.155,"sentiment":"neutral","sentiment_score":0.16794857382774353},{"text":"Yep.","start":380.495,"end":380.91,"sentiment":"neutral","sentiment_score":0.17261895537376404},{"text":"Yep.","start":396.92502,"end":397.42502,"sentiment":"neutral","sentiment_score":0.20338618755340576},{"text":"Yep.","start":401.325,"end":401.825,"sentiment":"neutral","sentiment_score":0.17370539903640747},{"text":"Mhmm.","start":430.95502,"end":431.195,"sentiment":"neutral","sentiment_score":-0.00337371788918972}],"sentiment":"neutral","sentiment_score":0.1428570795804262,"num_words":5,"start":370.655,"end":431.195},{"sentences":[{"text":"Yep.","start":431.195,"end":431.695,"sentiment":"neutral","sentiment_score":-0.013402089476585388},{"text":"Mhmm.","start":437.355,"end":437.82,"sentiment":"neutral","sentiment_score":-0.004830304533243179},{"text":"Oh, yeah.","start":440.86002,"end":441.44,"sentiment":"neutral","sentiment_score":-0.018217889592051506},{"text":"To be honest with that, but yeah.","start":460.275,"end":462.225,"sentiment":"neutral","sentiment_score":-0.06657785496541432},{"text":"Okay.","start":463.4,"end":463.9,"sentiment":"neutral","sentiment_score":0.00633973628282547}],"sentiment":"neutral","sentiment_score":-0.04286445180575053,"num_words":12,"start":431.195,"end":463.9},{"sentences":[{"text":"Mhmm.","start":471.88,"end":472.38,"sentiment":"neutral","sentiment_score":0.01340712420642376},{"text":"Mhmm.","start":477.64,"end":478.065,"sentiment":"neutral","sentiment_score":-0.08993203938007355},{"text":"Mhmm.","start":487.425,"end":487.925,"sentiment":"neutral","sentiment_score":-0.07496087998151779},{"text":"Yep.","start":503.84,"end":504.135,"sentiment":"neutral","sentiment_score":0.16314387321472168},{"text":"Yeah.","start":504.935,"end":505.435,"sentiment":"positive","sentiment_score":0.3364509344100952}],"sentiment":"neutral","sentiment_score":0.06962180249392987,"num_words":5,"start":471.88,"end":505.435},{"sentences":[{"text":"Mhmm.","start":517.575,"end":517.815,"sentiment":"neutral","sentiment_score":0.13281016051769257},{"text":"Yeah.","start":517.815,"end":518.13,"sentiment":"neutral","sentiment_score":0.215741828083992},{"text":"Okay.","start":528.05,"end":528.55,"sentiment":"neutral","sentiment_score":0.09262584894895554},{"text":"Mhmm.","start":545.585,"end":545.94,"sentiment":"neutral","sentiment_score":-0.021580766886472705},{"text":"I think probably at this stage, I wouldn't yeah.","start":550.5,"end":556.98,"sentiment":"neutral","sentiment_score":-0.3139800760481093}],"sentiment":"neutral","sentiment_score":-0.18509412413606277,"num_words":13,"start":517.575,"end":556.98},{"sentences":[{"text":"I don't think, you know, I don't wanna make any sort of drastic changes right now.","start":556.98,"end":560.6,"sentiment":"negative","sentiment_score":-0.41039017029106617},{"text":"Yeah.","start":562.475,"end":562.95496,"sentiment":"neutral","sentiment_score":-0.0043523870408535},{"text":"I mean, what are you what are your thoughts on that?","start":562.95496,"end":564.975,"sentiment":"neutral","sentiment_score":0.015939153730869293},{"text":"Yeah.","start":585.07,"end":585.57,"sentiment":"neutral","sentiment_score":0.004910498857498169},{"text":"You know, I guess, everyone will wanna retire as early as possible.","start":608.79,"end":611.85,"sentiment":"neutral","sentiment_score":-0.038501650715867676}],"sentiment":"neutral","sentiment_score":-0.16713106659490887,"num_words":41,"start":556.98,"end":611.85},{"sentences":[{"text":"Yeah.","start":613.43,"end":613.93,"sentiment":"neutral","sentiment_score":-0.06820879876613617},{"text":"Yeah.","start":617.725,"end":617.965,"sentiment":"neutral","sentiment_score":-0.03954796865582466},{"text":"Hope he wins the lotto tonight and be out of work.","start":617.965,"end":620.045,"sentiment":"neutral","sentiment_score":0.08558955720879814},{"text":"Yeah.","start":620.045,"end":620.365,"sentiment":"positive","sentiment_score":0.3990218937397003},{"text":"That'd be good.","start":620.365,"end":621.185,"sentiment":"positive","sentiment_score":0.6392634709676107}],"sentiment":"neutral","sentiment_score":0.18532592167749123,"num_words":17,"start":613.43,"end":621.185},{"sentences":[{"text":"Yeah.","start":623.325,"end":623.825,"sentiment":"neutral","sentiment_score":0.08237951993942261},{"text":"Yes.","start":639.37,"end":639.87,"sentiment":"neutral","sentiment_score":0.05658940598368645},{"text":"Yes.","start":644.09,"end":644.59,"sentiment":"neutral","sentiment_score":0.21645721793174744},{"text":"Yeah.","start":658.83,"end":659.33,"sentiment":"neutral","sentiment_score":0.13170142471790314},{"text":"Yep.","start":660.83,"end":661.33,"sentiment":"neutral","sentiment_score":0.10454563796520232}],"sentiment":"neutral","sentiment_score":0.11833464130759239,"num_words":5,"start":623.325,"end":661.33},{"sentences":[{"text":"Yep.","start":665.79,"end":666.29,"sentiment":"neutral","sentiment_score":0.08799971640110016},{"text":"Yeah.","start":674.835,"end":675.335,"sentiment":"neutral","sentiment_score":0.05018583685159683},{"text":"Okay.","start":676.755,"end":677.255,"sentiment":"neutral","sentiment_score":0.13789385557174683},{"text":"Yes.","start":692.46,"end":692.96,"sentiment":"neutral","sentiment_score":0.07389936596155167},{"text":"Okay.","start":694.46,"end":694.96,"sentiment":"neutral","sentiment_score":0.17958544194698334}],"sentiment":"neutral","sentiment_score":0.10591284334659576,"num_words":5,"start":665.79,"end":694.96},{"sentences":[{"text":"Yes.","start":707.27496,"end":707.77496,"sentiment":"neutral","sentiment_score":0.14767026901245117},{"text":"So, basically, if it wasn't for that, we would have been up by about 10,000 to 11,000.","start":721.06,"end":726.28,"sentiment":"neutral","sentiment_score":0.03919828518786851},{"text":"Because at the moment, it's basically just a breakeven.","start":726.815,"end":728.675,"sentiment":"neutral","sentiment_score":-0.06573295179340574},{"text":"Right?","start":728.735,"end":729.235,"sentiment":"neutral","sentiment_score":-0.0029649417847394943},{"text":"Yeah.","start":731.855,"end":732.355,"sentiment":"neutral","sentiment_score":0.02724835090339184}],"sentiment":"neutral","sentiment_score":0.008507860696007466,"num_words":29,"start":707.27496,"end":732.355},{"sentences":[{"text":"Okay.","start":734.095,"end":734.575,"sentiment":"neutral","sentiment_score":-0.003429234027862549},{"text":"And so why wasn't the decision made earlier to switch?","start":734.575,"end":737.15497,"sentiment":"neutral","sentiment_score":-0.14914186224341391},{"text":"Yeah.","start":742.42,"end":742.92,"sentiment":"neutral","sentiment_score":-0.05576171725988388},{"text":"Yeah.","start":760.195,"end":760.695,"sentiment":"neutral","sentiment_score":-0.13626405596733093},{"text":"Yeah.","start":767.395,"end":767.635,"sentiment":"neutral","sentiment_score":0.0026751533150672913}],"sentiment":"neutral","sentiment_score":-0.12029989116958209,"num_words":14,"start":734.095,"end":767.635},{"sentences":[{"text":"Okay.","start":767.635,"end":768.135,"sentiment":"neutral","sentiment_score":0.02425236254930496},{"text":"Yeah.","start":783.12,"end":783.435,"sentiment":"neutral","sentiment_score":0.04099041223526001},{"text":"Okay.","start":783.995,"end":784.495,"sentiment":"neutral","sentiment_score":0.03433035686612129},{"text":"Yep.","start":808.09,"end":808.395,"sentiment":"neutral","sentiment_score":0.1392754465341568},{"text":"Are there any others that are got a better portfolio in terms of less fees and stuff?","start":814.155,"end":820.255,"sentiment":"neutral","sentiment_score":0.08077103688436396}],"sentiment":"neutral","sentiment_score":0.07675981929614431,"num_words":21,"start":767.635,"end":820.255},{"sentences":[{"text":"Or mhmm.","start":820.79504,"end":832.80005,"sentiment":"neutral","sentiment_score":0.07521169260144234},{"text":"Yep.","start":845.755,"end":846.255,"sentiment":"neutral","sentiment_score":0.16640576720237732},{"text":"Yes.","start":849.755,"end":850.255,"sentiment":"neutral","sentiment_score":0.2358904778957367},{"text":"Yeah.","start":852.51,"end":853.01,"sentiment":"neutral","sentiment_score":0.03731672465801239},{"text":"No.","start":853.63,"end":853.87006,"sentiment":"neutral","sentiment_score":-0.08160273730754852}],"sentiment":"neutral","sentiment_score":0.08473893627524376,"num_words":6,"start":820.79504,"end":853.87006},{"sentences":[{"text":"I think maybe maybe that might be another question for, you know, question for next next annual review.","start":853.87006,"end":859.33,"sentiment":"neutral","sentiment_score":-0.06670058699738649},{"text":"I think at this moment, we might leave it as it is.","start":859.63,"end":862.11005,"sentiment":"neutral","sentiment_score":0.08984224746624629},{"text":"Yeah.","start":862.11005,"end":862.59,"sentiment":"neutral","sentiment_score":0.1472478210926056},{"text":"Yeah.","start":862.59,"end":863.09,"sentiment":"neutral","sentiment_score":0.14937184751033783},{"text":"Okay.","start":878.825,"end":879.12,"sentiment":"neutral","sentiment_score":0.23858481645584104}],"sentiment":"neutral","sentiment_score":0.012506087536387371,"num_words":33,"start":853.87006,"end":879.12},{"sentences":[{"text":"Yeah.","start":879.44,"end":879.94,"sentiment":"positive","sentiment_score":0.3482826352119446},{"text":"Mhmm.","start":894.665,"end":895.165,"sentiment":"neutral","sentiment_score":0.11003933846950532},{"text":"Yeah.","start":899.625,"end":900.125,"sentiment":"neutral","sentiment_score":0.11635813117027284},{"text":"I think, yes.","start":907.945,"end":909.20996,"sentiment":"neutral","sentiment_score":0.104859858751297},{"text":"I'd like to also understand in terms of now in Colonial, like, you'll be able to compare to see where I've lost in Colonial as well.","start":909.20996,"end":916.64996,"sentiment":"neutral","sentiment_score":0.09430387200644383}],"sentiment":"neutral","sentiment_score":0.10441126103978604,"num_words":32,"start":879.44,"end":916.64996},{"sentences":[{"text":"Right?","start":916.64996,"end":917.14996,"sentiment":"neutral","sentiment_score":0.10994597524404526},{"text":"Yep.","start":922.435,"end":922.935,"sentiment":"neutral","sentiment_score":0.05478145182132721},{"text":"Mhmm.","start":928.35504,"end":928.85504,"sentiment":"neutral","sentiment_score":0.06345438957214355},{"text":"Yeah.","start":934.03503,"end":934.53503,"sentiment":"neutral","sentiment_score":0.058096833527088165},{"text":"So I guess, yeah, I guess it's yeah.","start":934.755,"end":937.05,"sentiment":"neutral","sentiment_score":0.026626376435160637}],"sentiment":"neutral","sentiment_score":0.041607471803824105,"num_words":12,"start":916.64996,"end":937.05},{"sentences":[{"text":"I guess what would be better, good for me to understand is, you know, in terms of performance wise, on the two are colonial versus, you know, in terms of, like, what we're investing through Networld.","start":937.05,"end":947.31,"sentiment":"neutral","sentiment_score":0.03798310453486112},{"text":"How much was Netwealth better or how much was you know, is it Colonial?","start":948.695,"end":952.315,"sentiment":"neutral","sentiment_score":-0.04071639198809862},{"text":"What which one was better off for me for the last, you know, twelve months or so?","start":952.375,"end":957.195,"sentiment":"neutral","sentiment_score":-0.10846186429262161},{"text":"Yep.","start":968.99005,"end":969.49005,"sentiment":"neutral","sentiment_score":0.04523304849863053},{"text":"Yeah.","start":972.83,"end":972.99005,"sentiment":"neutral","sentiment_score":0.03740176558494568}],"sentiment":"neutral","sentiment_score":-0.013968907296657562,"num_words":69,"start":937.05,"end":972.99005},{"sentences":[{"text":"Yeah.","start":972.99005,"end":973.23004,"sentiment":"neutral","sentiment_score":0.05412621796131134},{"text":"Okay.","start":973.23004,"end":973.63,"sentiment":"neutral","sentiment_score":0.09900566935539246},{"text":"Yep.","start":973.63,"end":974.13,"sentiment":"neutral","sentiment_score":0.2470090091228485},{"text":"Yep.","start":983.335,"end":983.835,"sentiment":"neutral","sentiment_score":0.011479242704808712},{"text":"Okay.","start":993.495,"end":993.93,"sentiment":"neutral","sentiment_score":-0.06612829864025116}],"sentiment":"neutral","sentiment_score":0.06909836810082197,"num_words":5,"start":972.99005,"end":993.93},{"sentences":[{"text":"To be honest, no.","start":1003.69,"end":1004.91,"sentiment":"neutral","sentiment_score":-0.13351083174347878},{"text":"Yeah.","start":1006.765,"end":1007.265,"sentiment":"neutral","sentiment_score":-0.004671530798077583},{"text":"Yep.","start":1015.245,"end":1015.745,"sentiment":"neutral","sentiment_score":0.03772706165909767},{"text":"Okay.","start":1018.285,"end":1018.785,"sentiment":"neutral","sentiment_score":0.09747803211212158},{"text":"Mhmm.","start":1024.4,"end":1024.9,"sentiment":"neutral","sentiment_score":0.18328528106212616}],"sentiment":"neutral","sentiment_score":-0.02752806036733091,"num_words":8,"start":1003.69,"end":1024.9},{"sentences":[{"text":"I think I do that.","start":1034.615,"end":1035.815,"sentiment":"neutral","sentiment_score":0.05233490839600563},{"text":"Yeah.","start":1035.815,"end":1036.315,"sentiment":"neutral","sentiment_score":-0.05392598360776901},{"text":"Correct.","start":1039.575,"end":1040.075,"sentiment":"neutral","sentiment_score":-0.168244868516922},{"text":"Yeah.","start":1042.775,"end":1043.275,"sentiment":"neutral","sentiment_score":-0.01152842864394188},{"text":"Yes.","start":1047.59,"end":1048.09,"sentiment":"positive","sentiment_score":0.3850291967391968}],"sentiment":"neutral","sentiment_score":0.04588938421673245,"num_words":9,"start":1034.615,"end":1048.09},{"sentences":[{"text":"Yes.","start":1056.0701,"end":1056.5701,"sentiment":"neutral","sentiment_score":0.12640273571014404},{"text":"Okay.","start":1061.83,"end":1062.33,"sentiment":"neutral","sentiment_score":0.06923618912696838},{"text":"Yep.","start":1063.145,"end":1063.645,"sentiment":"neutral","sentiment_score":0.0408174954354763},{"text":"Mhmm.","start":1074.4249,"end":1074.6649,"sentiment":"neutral","sentiment_score":-0.02419441379606724},{"text":"Okay.","start":1074.6649,"end":1075.1649,"sentiment":"neutral","sentiment_score":-0.010261889547109604}],"sentiment":"neutral","sentiment_score":0.040400023385882375,"num_words":5,"start":1056.0701,"end":1075.1649},{"sentences":[{"text":"Yep.","start":1075.625,"end":1076.125,"sentiment":"neutral","sentiment_score":-0.07646310329437256},{"text":"Okay.","start":1086.04,"end":1086.54,"sentiment":"neutral","sentiment_score":0.2356431782245636},{"text":"Yep.","start":1087.24,"end":1087.74,"sentiment":"neutral","sentiment_score":0.3108985424041748},{"text":"Yes.","start":1102.655,"end":1103.155,"sentiment":"neutral","sentiment_score":0.2141336500644684},{"text":"Okay.","start":1115.47,"end":1115.97,"sentiment":"neutral","sentiment_score":0.18087013065814972}],"sentiment":"neutral","sentiment_score":0.1730164796113968,"num_words":5,"start":1075.625,"end":1115.97},{"sentences":[{"text":"Yep.","start":1116.1901,"end":1116.675,"sentiment":"neutral","sentiment_score":0.1783512532711029},{"text":"Yeah.","start":1135.69,"end":1135.9299,"sentiment":"neutral","sentiment_score":0.1430245190858841},{"text":"Okay.","start":1135.9299,"end":1136.25,"sentiment":"neutral","sentiment_score":0.1741439402103424},{"text":"Yep.","start":1136.25,"end":1136.75,"sentiment":"neutral","sentiment_score":0.21828100085258484},{"text":"Yep.","start":1145.37,"end":1145.715,"sentiment":"neutral","sentiment_score":0.12153619527816772}],"sentiment":"neutral","sentiment_score":0.16706738173961638,"num_words":5,"start":1116.1901,"end":1145.715},{"sentences":[{"text":"Yep.","start":1147.475,"end":1147.975,"sentiment":"neutral","sentiment_score":-0.024798881262540817},{"text":"Mhmm.","start":1150.835,"end":1151.335,"sentiment":"neutral","sentiment_score":-0.17553956806659698},{"text":"Yeah.","start":1153.475,"end":1153.715,"sentiment":"neutral","sentiment_score":-0.05399309471249581},{"text":"It's 75% of the total.","start":1153.715,"end":1155.895,"sentiment":"neutral","sentiment_score":-0.013059719279408456},{"text":"Right?","start":1156.0349,"end":1156.5349,"sentiment":"neutral","sentiment_score":0.012344790622591972}],"sentiment":"neutral","sentiment_score":-0.03414281664623155,"num_words":9,"start":1147.475,"end":1156.5349},{"sentences":[{"text":"Of a hundred and thirty.","start":1159.715,"end":1161.015,"sentiment":"neutral","sentiment_score":-0.009999584406614304},{"text":"Yeah.","start":1162.2899,"end":1162.69,"sentiment":"neutral","sentiment_score":0.03405110538005829},{"text":"Yeah.","start":1162.69,"end":1162.85,"sentiment":"neutral","sentiment_score":0.04138224944472313},{"text":"Yeah.","start":1162.85,"end":1163.09,"sentiment":"neutral","sentiment_score":0.04582945629954338},{"text":"Yeah.","start":1163.09,"end":1163.59,"sentiment":"neutral","sentiment_score":0.061392880976200104}],"sentiment":"neutral","sentiment_score":0.014739752229717042,"num_words":9,"start":1159.715,"end":1163.59},{"sentences":[{"text":"Yeah.","start":1163.89,"end":1164.2899,"sentiment":"neutral","sentiment_score":0.09410938620567322},{"text":"That's fine.","start":1164.2899,"end":1165.11,"sentiment":"neutral","sentiment_score":0.13804404810070992},{"text":"Yep.","start":1176.21,"end":1176.71,"sentiment":"neutral","sentiment_score":0.13079431653022766},{"text":"Yeah.","start":1185.065,"end":1185.3049,"sentiment":"neutral","sentiment_score":0.05326797068119049},{"text":"Yeah.","start":1185.3049,"end":1185.705,"sentiment":"neutral","sentiment_score":0.09183469414711}],"sentiment":"neutral","sentiment_score":0.10768241062760353,"num_words":6,"start":1163.89,"end":1185.705},{"sentences":[{"text":"Yeah.","start":1185.705,"end":1186.205,"sentiment":"neutral","sentiment_score":0.1074347198009491},{"text":"Yeah.","start":1186.2649,"end":1186.4249,"sentiment":"neutral","sentiment_score":0.15268126130104065},{"text":"That's fine.","start":1186.4249,"end":1187.065,"sentiment":"neutral","sentiment_score":0.25049764662981033},{"text":"Yeah.","start":1187.065,"end":1187.565,"sentiment":"positive","sentiment_score":0.36232346296310425},{"text":"Yep.","start":1196.79,"end":1197.29,"sentiment":"neutral","sentiment_score":0.07991865277290344}],"sentiment":"neutral","sentiment_score":0.20055889834960303,"num_words":6,"start":1185.705,"end":1197.29},{"sentences":[{"text":"Sure.","start":1208.945,"end":1209.445,"sentiment":"neutral","sentiment_score":0.15514492988586426},{"text":"Mhmm.","start":1209.9049,"end":1210.4049,"sentiment":"neutral","sentiment_score":0.1616067886352539},{"text":"Mhmm.","start":1213.985,"end":1214.485,"sentiment":"neutral","sentiment_score":0.17671993374824524},{"text":"Yep.","start":1219.585,"end":1219.92,"sentiment":"neutral","sentiment_score":0.2295114099979401},{"text":"Okay.","start":1229.36,"end":1229.68,"sentiment":"neutral","sentiment_score":0.030541954562067986}],"sentiment":"neutral","sentiment_score":0.15070500336587428,"num_words":5,"start":1208.945,"end":1229.68},{"sentences":[{"text":"No.","start":1229.68,"end":1230.0,"sentiment":"neutral","sentiment_score":-0.11501172930002213},{"text":"No.","start":1230.0,"end":1230.24,"sentiment":"neutral","sentiment_score":-0.1492142677307129},{"text":"I'm really okay.","start":1230.24,"end":1230.88,"sentiment":"neutral","sentiment_score":-0.14338696002960205},{"text":"Yep.","start":1230.88,"end":1231.38,"sentiment":"neutral","sentiment_score":0.12872976064682007},{"text":"Power returning?","start":1240.0951,"end":1240.9951,"sentiment":"neutral","sentiment_score":-0.03235058858990669}],"sentiment":"neutral","sentiment_score":-0.07879478670656681,"num_words":8,"start":1229.68,"end":1240.9951},{"sentences":[{"text":"No.","start":1243.8551,"end":1244.0951,"sentiment":"neutral","sentiment_score":-0.2656917870044708},{"text":"It's not happening.","start":1244.0951,"end":1244.94,"sentiment":"neutral","sentiment_score":-0.2366031507651011},{"text":"No.","start":1252.46,"end":1252.7,"sentiment":"neutral","sentiment_score":-0.1388709992170334},{"text":"I haven't done any of that.","start":1252.7,"end":1254.08,"sentiment":"neutral","sentiment_score":-0.14709817742307982},{"text":"Okay.","start":1259.7949,"end":1260.2949,"sentiment":"neutral","sentiment_score":0.1216910481452942}],"sentiment":"neutral","sentiment_score":-0.15627252124249935,"num_words":12,"start":1243.8551,"end":1260.2949},{"sentences":[{"text":"And you just and you just, like, drop it yourself.","start":1274.595,"end":1277.64,"sentiment":"neutral","sentiment_score":0.09313851222395897},{"text":"Yeah?","start":1277.64,"end":1278.14,"sentiment":"neutral","sentiment_score":0.07176577299833298},{"text":"Yeah.","start":1284.76,"end":1285.26,"sentiment":"neutral","sentiment_score":0.09144995361566544},{"text":"Okay.","start":1290.2,"end":1290.7,"sentiment":"neutral","sentiment_score":0.0059000831097364426},{"text":"Okay.","start":1292.4451,"end":1292.765,"sentiment":"neutral","sentiment_score":-0.11440430581569672}],"sentiment":"neutral","sentiment_score":0.07043547329625913,"num_words":14,"start":1274.595,"end":1292.765},{"sentences":[{"text":"Yeah.","start":1292.765,"end":1293.005,"sentiment":"neutral","sentiment_score":-0.05241917073726654},{"text":"That's something that that's something that happened in today.","start":1293.005,"end":1295.485,"sentiment":"neutral","sentiment_score":-0.06662932617796792},{"text":"Yeah.","start":1295.485,"end":1295.985,"sentiment":"neutral","sentiment_score":0.11463195830583572},{"text":"Yep.","start":1304.045,"end":1304.52,"sentiment":"neutral","sentiment_score":0.1420067846775055},{"text":"Yep.","start":1307.0801,"end":1307.5801,"sentiment":"neutral","sentiment_score":0.14195941388607025}],"sentiment":"neutral","sentiment_score":-0.019498842266889718,"num_words":13,"start":1292.765,"end":1307.5801},{"sentences":[{"text":"Okay.","start":1308.28,"end":1308.78,"sentiment":"neutral","sentiment_score":0.19316180050373075},{"text":"Yep.","start":1327.975,"end":1328.475,"sentiment":"neutral","sentiment_score":0.08246564865112305},{"text":"Yep.","start":1328.615,"end":1328.91,"sentiment":"neutral","sentiment_score":0.1000102162361145},{"text":"Yep.","start":1338.43,"end":1338.67,"sentiment":"neutral","sentiment_score":0.08397199213504791},{"text":"Yep.","start":1338.67,"end":1339.17,"sentiment":"neutral","sentiment_score":0.09062401950359344}],"sentiment":"neutral","sentiment_score":0.11004673540592194,"num_words":5,"start":1308.28,"end":1339.17},{"sentences":[{"text":"Okay.","start":1344.11,"end":1344.525,"sentiment":"neutral","sentiment_score":0.23533666133880615},{"text":"Yeah.","start":1344.765,"end":1345.265,"sentiment":"neutral","sentiment_score":0.2239367961883545},{"text":"Yeah.","start":1357.5651,"end":1357.92,"sentiment":"neutral","sentiment_score":0.2516547739505768},{"text":"Yep.","start":1363.36,"end":1363.86,"sentiment":"neutral","sentiment_score":0.2997990846633911},{"text":"Yep.","start":1367.04,"end":1367.54,"sentiment":"neutral","sentiment_score":0.2240501344203949}],"sentiment":"neutral","sentiment_score":0.2469554901123047,"num_words":5,"start":1344.11,"end":1367.54},{"sentences":[{"text":"Mhmm.","start":1370.3201,"end":1370.475,"sentiment":"neutral","sentiment_score":0.04726459085941315},{"text":"Yep.","start":1377.4349,"end":1377.9349,"sentiment":"neutral","sentiment_score":0.15062479674816132},{"text":"Okay.","start":1379.9149,"end":1380.4149,"sentiment":"neutral","sentiment_score":0.1413985788822174},{"text":"No.","start":1386.11,"end":1386.51,"sentiment":"neutral","sentiment_score":-0.10833026468753816},{"text":"Not at this stage.","start":1386.51,"end":1387.55,"sentiment":"neutral","sentiment_score":-0.1552877128124237}],"sentiment":"neutral","sentiment_score":-0.04877414368093014,"num_words":8,"start":1370.3201,"end":1387.55},{"sentences":[{"text":"I guess I tend to, like, financial advice in terms of, like, you know you know, when we're looking to buy a house.","start":1387.55,"end":1396.8501,"sentiment":"neutral","sentiment_score":-0.05989056606979474},{"text":"Right?","start":1396.91,"end":1397.265,"sentiment":"neutral","sentiment_score":-0.019322045147418976},{"text":"Say, like, for instance, like, investment property, in terms of, like, the cover through Netwealth and through my business and such in terms of which I already pay, is there any sort of, like, someone that gives guidance in terms of, like, what I should what my options would be on the terms of how to use, I guess, equity in my house for such device and things and so on?","start":1398.625,"end":1423.6799,"sentiment":"neutral","sentiment_score":0.015256790444254875},{"text":"Yeah.","start":1449.92,"end":1450.42,"sentiment":"neutral","sentiment_score":0.038974881172180176},{"text":"Yep.","start":1454.88,"end":1455.165,"sentiment":"neutral","sentiment_score":0.16798433661460876}],"sentiment":"neutral","sentiment_score":-0.0010991105713795142,"num_words":97,"start":1387.55,"end":1455.165},{"sentences":[{"text":"Yeah.","start":1463.165,"end":1463.665,"sentiment":"neutral","sentiment_score":0.0218949057161808},{"text":"No.","start":1469.3251,"end":1469.645,"sentiment":"neutral","sentiment_score":-0.23646730184555056},{"text":"No.","start":1469.645,"end":1469.885,"sentiment":"neutral","sentiment_score":-0.2367236614227295},{"text":"I haven't.","start":1469.885,"end":1470.42,"sentiment":"neutral","sentiment_score":-0.21562668681144714},{"text":"No.","start":1482.1001,"end":1482.6001,"sentiment":"neutral","sentiment_score":-0.12110305577516556}],"sentiment":"neutral","sentiment_score":-0.16727541449169317,"num_words":6,"start":1463.165,"end":1482.6001},{"sentences":[{"text":"Mhmm.","start":1505.65,"end":1506.15,"sentiment":"neutral","sentiment_score":-0.02599293366074562},{"text":"Of my plate?","start":1506.5299,"end":1507.4299,"sentiment":"neutral","sentiment_score":-0.052453293154637017},{"text":"Oh, yeah.","start":1508.21,"end":1509.8099,"sentiment":"neutral","sentiment_score":0.01941863354295492},{"text":"If you've got a 1.8, I'd say.","start":1509.8099,"end":1511.685,"sentiment":"neutral","sentiment_score":0.009615080298057624},{"text":"1.8 to 2.","start":1512.165,"end":1513.4651,"sentiment":"neutral","sentiment_score":0.03977560003598531}],"sentiment":"neutral","sentiment_score":0.0026323010097257793,"num_words":16,"start":1505.65,"end":1513.4651},{"sentences":[{"text":"Yeah.","start":1518.005,"end":1518.2451,"sentiment":"neutral","sentiment_score":0.11006224155426024},{"text":"Yep.","start":1518.2451,"end":1518.7451,"sentiment":"neutral","sentiment_score":0.05954354256391525},{"text":"Mhmm.","start":1524.4601,"end":1524.9601,"sentiment":"neutral","sentiment_score":-0.10798770189285278},{"text":"Yep.","start":1539.02,"end":1539.52,"sentiment":"neutral","sentiment_score":0.06400749087333679},{"text":"Okay.","start":1541.2649,"end":1541.7649,"sentiment":"neutral","sentiment_score":0.1019446700811386}],"sentiment":"neutral","sentiment_score":0.04551404863595963,"num_words":5,"start":1518.005,"end":1541.7649},{"sentences":[{"text":"Yep.","start":1551.5049,"end":1552.0049,"sentiment":"neutral","sentiment_score":-0.004273600876331329},{"text":"Yep.","start":1552.625,"end":1552.95,"sentiment":"neutral","sentiment_score":0.013343792408704758},{"text":"Okay.","start":1555.4299,"end":1555.9299,"sentiment":"neutral","sentiment_score":0.09300246089696884},{"text":"Yep.","start":1560.07,"end":1560.57,"sentiment":"neutral","sentiment_score":0.08866487443447113},{"text":"Mhmm.","start":1564.23,"end":1564.73,"sentiment":"neutral","sentiment_score":0.13400661945343018}],"sentiment":"neutral","sentiment_score":0.06494882926344872,"num_words":5,"start":1551.5049,"end":1564.73},{"sentences":[{"text":"Yeah.","start":1575.5751,"end":1575.975,"sentiment":"neutral","sentiment_score":0.09390737861394882},{"text":"Yeah.","start":1575.975,"end":1576.135,"sentiment":"neutral","sentiment_score":0.08438002318143845},{"text":"Yeah.","start":1576.135,"end":1576.615,"sentiment":"neutral","sentiment_score":0.07872168719768524},{"text":"Okay.","start":1576.615,"end":1577.115,"sentiment":"neutral","sentiment_score":0.0811300128698349},{"text":"Yep.","start":1582.055,"end":1582.26,"sentiment":"neutral","sentiment_score":-0.006520822644233704}],"sentiment":"neutral","sentiment_score":0.06632365584373474,"num_words":5,"start":1575.5751,"end":1582.26},{"sentences":[{"text":"Mhmm.","start":1596.02,"end":1596.5,"sentiment":"neutral","sentiment_score":-0.0051086340099573135},{"text":"Yep.","start":1596.5,"end":1597.0,"sentiment":"neutral","sentiment_score":0.018222983926534653},{"text":"Mhmm.","start":1613.07,"end":1613.57,"sentiment":"neutral","sentiment_score":0.025550520047545433},{"text":"Mhmm.","start":1616.9099,"end":1616.99,"sentiment":"neutral","sentiment_score":0.01476468425244093},{"text":"Yeah.","start":1616.99,"end":1617.49,"sentiment":"neutral","sentiment_score":0.06319001317024231}],"sentiment":"neutral","sentiment_score":0.0233239134773612,"num_words":5,"start":1596.02,"end":1617.49},{"sentences":[{"text":"Okay.","start":1621.3899,"end":1621.7899,"sentiment":"neutral","sentiment_score":0.062145061790943146},{"text":"Yeah.","start":1621.7899,"end":1622.2899,"sentiment":"neutral","sentiment_score":0.05902464687824249},{"text":"Okay.","start":1624.0299,"end":1624.5299,"sentiment":"neutral","sentiment_score":0.045158036053180695},{"text":"Yep.","start":1629.085,"end":1629.585,"sentiment":"neutral","sentiment_score":0.08377479761838913},{"text":"Yeah.","start":1633.725,"end":1634.205,"sentiment":"neutral","sentiment_score":0.05404794216156006}],"sentiment":"neutral","sentiment_score":0.06083009690046311,"num_words":5,"start":1621.3899,"end":1634.205},{"sentences":[{"text":"Yeah.","start":1634.205,"end":1634.365,"sentiment":"neutral","sentiment_score":0.06017369031906128},{"text":"Yeah.","start":1634.365,"end":1634.5249,"sentiment":"neutral","sentiment_score":0.06519979983568192},{"text":"Yeah.","start":1634.5249,"end":1634.765,"sentiment":"neutral","sentiment_score":0.07900065183639526},{"text":"Yeah.","start":1634.765,"end":1635.265,"sentiment":"neutral","sentiment_score":0.09513986855745316},{"text":"Mhmm.","start":1637.1,"end":1637.6,"sentiment":"neutral","sentiment_score":0.0557219460606575}],"sentiment":"neutral","sentiment_score":0.07104719132184982,"num_words":5,"start":1634.205,"end":1637.6},{"sentences":[{"text":"Mhmm.","start":1651.02,"end":1651.52,"sentiment":"neutral","sentiment_score":-0.027444303035736084},{"text":"Yep.","start":1652.5399,"end":1652.835,"sentiment":"neutral","sentiment_score":0.02768128737807274},{"text":"Yeah.","start":1661.5549,"end":1662.0549,"sentiment":"neutral","sentiment_score":0.02041381597518921},{"text":"Okay.","start":1662.115,"end":1662.615,"sentiment":"neutral","sentiment_score":0.02083294652402401},{"text":"Okay.","start":1665.075,"end":1665.39,"sentiment":"neutral","sentiment_score":0.02555057778954506}],"sentiment":"neutral","sentiment_score":0.013406864926218986,"num_words":5,"start":1651.02,"end":1665.39},{"sentences":[{"text":"Yep.","start":1677.9501,"end":1678.335,"sentiment":"neutral","sentiment_score":0.02770419977605343},{"text":"Yeah.","start":1699.7899,"end":1700.03,"sentiment":"neutral","sentiment_score":0.09997434914112092},{"text":"Okay.","start":1700.03,"end":1700.53,"sentiment":"neutral","sentiment_score":0.12191462516784668},{"text":"Yeah.","start":1705.7899,"end":1706.055,"sentiment":"neutral","sentiment_score":0.13950133323669434},{"text":"Okay.","start":1706.6151,"end":1707.1151,"sentiment":"neutral","sentiment_score":0.10078903287649156}],"sentiment":"neutral","sentiment_score":0.09797670803964138,"num_words":5,"start":1677.9501,"end":1707.1151},{"sentences":[{"text":"Yeah.","start":1714.6951,"end":1715.1951,"sentiment":"neutral","sentiment_score":0.13190308213233948},{"text":"How about the mortgage?","start":1717.175,"end":1718.19,"sentiment":"neutral","sentiment_score":0.036604384891688824},{"text":"Yeah.","start":1718.35,"end":1718.85,"sentiment":"neutral","sentiment_score":0.011708560399711132},{"text":"Yeah.","start":1719.95,"end":1720.45,"sentiment":"neutral","sentiment_score":0.005826991051435471},{"text":"Right.","start":1722.2699,"end":1722.5099,"sentiment":"neutral","sentiment_score":0.030747270211577415}],"sentiment":"neutral","sentiment_score":0.04082543042022735,"num_words":8,"start":1714.6951,"end":1722.5099},{"sentences":[{"text":"So you're basically just only paying for a 100 or whatever it is that you're paying on your personal loan because of the what's the code?","start":1722.5099,"end":1737.825,"sentiment":"neutral","sentiment_score":0.014854723265251288},{"text":"Yeah.","start":1738.365,"end":1738.6849,"sentiment":"neutral","sentiment_score":0.020761286839842796},{"text":"For that deposit.","start":1738.6849,"end":1739.565,"sentiment":"neutral","sentiment_score":0.017848491358260315},{"text":"Yeah.","start":1739.565,"end":1739.8849,"sentiment":"neutral","sentiment_score":0.051098085939884186},{"text":"Yeah.","start":1739.8849,"end":1740.3849,"sentiment":"neutral","sentiment_score":0.06718310713768005}],"sentiment":"neutral","sentiment_score":0.018087836215272546,"num_words":32,"start":1722.5099,"end":1740.3849},{"sentences":[{"text":"Okay.","start":1741.8049,"end":1742.3049,"sentiment":"neutral","sentiment_score":0.1264912188053131},{"text":"Yeah.","start":1759.9501,"end":1760.4501,"sentiment":"neutral","sentiment_score":-0.07565443217754364},{"text":"Yep.","start":1763.705,"end":1764.205,"sentiment":"neutral","sentiment_score":-0.06518039107322693},{"text":"Yeah.","start":1766.745,"end":1767.245,"sentiment":"neutral","sentiment_score":0.095695361495018},{"text":"Yeah.","start":1767.3849,"end":1767.8849,"sentiment":"neutral","sentiment_score":0.14317047595977783}],"sentiment":"neutral","sentiment_score":0.044904446601867674,"num_words":5,"start":1741.8049,"end":1767.8849},{"sentences":[{"text":"Yep.","start":1768.505,"end":1769.005,"sentiment":"neutral","sentiment_score":0.26224249601364136},{"text":"Mhmm.","start":1773.705,"end":1774.205,"sentiment":"neutral","sentiment_score":0.08781810849905014},{"text":"Yeah.","start":1787.74,"end":1788.045,"sentiment":"neutral","sentiment_score":-0.08799338340759277},{"text":"Mhmm.","start":1796.365,"end":1796.865,"sentiment":"neutral","sentiment_score":-0.24910566210746765},{"text":"Yeah.","start":1798.045,"end":1798.545,"sentiment":"neutral","sentiment_score":-0.07433624565601349}],"sentiment":"neutral","sentiment_score":-0.012274937331676483,"num_words":5,"start":1768.505,"end":1798.545},{"sentences":[{"text":"Okay.","start":1800.125,"end":1800.625,"sentiment":"neutral","sentiment_score":-0.05077226459980011},{"text":"Mhmm.","start":1823.985,"end":1824.485,"sentiment":"neutral","sentiment_score":-0.03135664016008377},{"text":"Okay.","start":1824.785,"end":1825.265,"sentiment":"neutral","sentiment_score":0.007181614637374878},{"text":"Yep.","start":1825.265,"end":1825.765,"sentiment":"neutral","sentiment_score":0.02332473360002041},{"text":"Yep.","start":1826.9451,"end":1827.4451,"sentiment":"neutral","sentiment_score":0.04999515414237976}],"sentiment":"neutral","sentiment_score":-0.00032548047602176666,"num_words":5,"start":1800.125,"end":1827.4451},{"sentences":[{"text":"Okay.","start":1828.0651,"end":1828.41,"sentiment":"neutral","sentiment_score":0.05292949825525284},{"text":"Okay.","start":1836.89,"end":1837.39,"sentiment":"neutral","sentiment_score":0.1132565587759018},{"text":"Yeah.","start":1842.01,"end":1842.41,"sentiment":"neutral","sentiment_score":0.15450996160507202},{"text":"No worries.","start":1842.41,"end":1843.05,"sentiment":"neutral","sentiment_score":0.23179754614830017},{"text":"Okay.","start":1843.05,"end":1843.55,"sentiment":"neutral","sentiment_score":0.3074248433113098}],"sentiment":"neutral","sentiment_score":0.18195265904068947,"num_words":6,"start":1828.0651,"end":1843.55},{"sentences":[{"text":"Perfect.","start":1845.585,"end":1846.085,"sentiment":"positive","sentiment_score":0.3876444697380066},{"text":"No.","start":1847.185,"end":1847.505,"sentiment":"negative","sentiment_score":-0.34342485666275024},{"text":"No.","start":1847.505,"end":1847.745,"sentiment":"negative","sentiment_score":-0.482124924659729},{"text":"Not working.","start":1847.745,"end":1848.485,"sentiment":"negative","sentiment_score":-0.559873104095459},{"text":"Yep.","start":1858.27,"end":1858.77,"sentiment":"neutral","sentiment_score":0.10088534653186798}],"sentiment":"neutral","sentiment_score":-0.24279436220725378,"num_words":6,"start":1845.585,"end":1858.77},{"sentences":[{"text":"Okay.","start":1865.15,"end":1865.31,"sentiment":"neutral","sentiment_score":0.2550418972969055},{"text":"Alright.","start":1865.31,"end":1865.63,"sentiment":"positive","sentiment_score":0.3971551060676574},{"text":"Sounds good then.","start":1865.63,"end":1866.61,"sentiment":"positive","sentiment_score":0.7197557091712952},{"text":"Okay.","start":1868.99,"end":1869.255,"sentiment":"positive","sentiment_score":0.4940717816352844},{"text":"Perfect.","start":1874.855,"end":1875.175,"sentiment":"positive","sentiment_score":0.6892367601394653}],"sentiment":"positive","sentiment_score":0.5706818103790283,"num_words":7,"start":1865.15,"end":1875.175},{"sentences":[{"text":"No worries.","start":1875.175,"end":1875.655,"sentiment":"positive","sentiment_score":0.4612571597099304},{"text":"Thanks for reaching out.","start":1875.655,"end":1876.795,"sentiment":"positive","sentiment_score":0.6821139454841614},{"text":"Alright.","start":1879.895,"end":1880.135,"sentiment":"neutral","sentiment_score":0.2897748649120331},{"text":"Thanks.","start":1880.135,"end":1880.615,"sentiment":"positive","sentiment_score":0.5712552666664124},{"text":"Bye.","start":1880.615,"end":1881.115,"sentiment":"positive","sentiment_score":0.34723204374313354}],"sentiment":"positive","sentiment_score":0.5399146974086761,"num_words":9,"start":1875.175,"end":1881.115}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Shannon. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Yeah. Good. Thanks, Bill.\n\nChannel 0: Fantastic. Living the dream so far. I'm just giving you a call to go through your annual review, sir.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Perfect. Have you got a bit of twenty minutes or so for me?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Perfect. Perfect. So I've got a bit of an annual review pack that I'm gonna get sent through to your email address. I'm just gonna go through a quick security check with you, and then we can jump into it together. I'll update a few details, and we'll kind of see if we need to update any of the strategies, if that's alright.\n\nChannel 1: Yeah. That one looks fine.\n\nChannel 0: Fantastic. So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: Yeah. 09/27/1995. 10 Goola Street, Seabirdown, South Australia.\n\nChannel 0: Perfect. And are you okay for the call to be recorded?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Perfect. So I've got your Hotmail address there. I'm gonna pop this pack through to you now. Do you want\n\nChannel 1: Mhmm.\n\nChannel 0: me to just kinda walk you through the documents that are coming through, or are you okay to kind of look onto a few of them with me?\n\nChannel 1: Yeah. No. I think we can I can kinda just look on through it? Yeah.\n\nChannel 0: Yep. Awesome. So what's coming through now is a bit of an updated performance report. We've got a summary of both accounts and the insurances. We've got an updated financial services guide, the license details and so on, and the service agreement as well.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: And is there anything in particular that you're hoping to get out of this year's review that I can focus on for you?\n\nChannel 1: No. I guess, you know, just in terms of performance and stuff and how we're doing. So yep.\n\nChannel 0: Yep. Just a bit of a general update on the super performance.\n\nChannel 1: Mhmm.\n\nChannel 0: And just while that's coming through to you now, it's through our new system that we built, so it should come through to your main inbox pretty quickly.\n\nChannel 1: Okay. I'm just checking my spam. Tommy yep. Here we go. Yep.\n\nChannel 0: Perfect. Now while I've got the details open in front of me there, so no change in address or phone number, email address. We had you at the last review as a production manager on about 118,000. Is that still correct?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. I think you were putting aside around about $2.50 a week, and the main goal that I have listed down is basically investing in property. You were kind of building a home at the time. Is that correct?\n\nChannel 1: Yeah. At the time, well, yeah. Yeah.\n\nChannel 0: Yep. So I'm just gonna quickly double check that with you because what I've got for assets so far is your main residence and two cars. Do\n\nChannel 1: Mhmm.\n\nChannel 0: you now have that second property?\n\nChannel 1: No. No. Not at this stage.\n\nChannel 0: Okay. Perfect. So is there kind of a, excuse me, a bit of a land being built onto the side, or were you just constructing on your main property?\n\nChannel 1: No. This is so, actually, you know, yeah, we'll probably be looking to build sorry. Or build or buy is what we're currently working on.\n\nChannel 0: Yep. Totally\n\nChannel 1: Yep.\n\nChannel 0: fair. And have you looked at all the budget changes and all that stuff that's been going on about the negative gearing capital gain?\n\nChannel 1: Oh, yeah. Yeah. I've been looking into that.\n\nChannel 0: Yeah. Good fun, mate. If you want any information on it, I know they're kind of whittling down the options a little bit, but if there's anything we can do to help, just let us know.\n\nChannel 1: Mhmm. Yeah. No worries.\n\nChannel 0: Perfect. Just double check a couple of details. So we still had you married at the time with two dependent children. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Alrighty. Now if you can grab open that email for me, you should\n\nChannel 1: Mhmm.\n\nChannel 0: see a summary of Subaru Insurance is the main one I wanna focus on.\n\nChannel 1: So I'm just it's just basically saying it's fine document. Is that the one starting to do? I haven't\n\nChannel 0: No.\n\nChannel 1: got any\n\nChannel 0: Don't\n\nChannel 1: assessment.\n\nChannel 0: hit that button. So at\n\nChannel 1: Yeah.\n\nChannel 0: the bottom, there's\n\nChannel 1: Mhmm.\n\nChannel 0: attachments just like standard PDF attachments like any\n\nChannel 1: Oh, yeah.\n\nChannel 0: other email.\n\nChannel 1: Right at the bottom. Yeah. Yeah. Yep. So which one am I looking at?\n\nChannel 0: Yep. It's the super and insurance summary.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Perfect. Just let me know when you can see all that there. It should have your Netwealthy Colonial and the attached insurances listed on this.\n\nChannel 1: Yep. One second.\n\nChannel 0: No worries at all.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Perfect. Perfect. So what I'm basically looking at today is we've got the Netwealth super hundred '63, hundred and sixty four thousand. It's obviously bouncing around quite frequently. Colonial sort of jumped up a little bit since the last time we checked.\n\nAnd\n\nChannel 1: Yeah.\n\nChannel 0: you've got the life of TPD, the income protection, which was through CommonSure attached through the Colonial account. Does all that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Mate, have you been logging into your server to see how it's been going the last six months?\n\nChannel 1: To be honest, that's one thing I probably missed. The last six months for sure. Yep. But I have kind of got it in\n\nChannel 0: No.\n\nChannel 1: the back of my mind. I'm not sure that you can't be performing that well, but yeah. Yeah.\n\nChannel 0: Yeah. No. Basically, it's it's been flat for the year. What ended up happening was as soon as February, March hit, all the stocks went down, and then\n\nChannel 1: Yeah.\n\nChannel 0: it bounced back a little bit the last couple of months, actually pretty quickly. But\n\nChannel 1: Yeah.\n\nChannel 0: you're basically still sitting at about similar balance to you were twelve months ago after all the growth from the previous years as well.\n\nChannel 1: Yeah.\n\nChannel 0: So couple of things I wanted to broach with you today, actually three things in particular. First one is I'm looking at your Netwealth performance report. Do you mind\n\nChannel 1: Yep.\n\nChannel 0: opening that document up for me as well? Because I wanna just break it down a little bit for you.\n\nChannel 1: Okay. So NetWell super asset performance detail. Yeah?\n\nChannel 0: Yep. That's the one. You should see a lovely blue table smattered with about 50 different numbers and figures all over.\n\nChannel 1: Yep.\n\nChannel 0: So left hand side is the different investment options. Right hand side is the percentage returns. So, basically, wind back one step, we're in a pretty high growth portfolio. Most of your super across both accounts is all\n\nChannel 1: Yep.\n\nChannel 0: in growth assets. There's property gold, all that kind of thing. You have\n\nChannel 1: Yep.\n\nChannel 0: nothing in defensive assets except for the minimum cash that you're required to hold. Does that make sense? Yep. Actually, across the board, pretty strong performance from pretty much every single option except for one. So the gold's still up quite a bit.\n\nAll of the international shares across the different sectors are up double digits, except the old cybersecurity is only up 5%, but that's kind of like a way for the AI thing to kick in before people start buying into that. But\n\nChannel 1: Mhmm.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: one that's dragged it down the most is that can you see in the middle under Australian equity, Benelon\n\nChannel 1: Mhmm.\n\nChannel 0: Australian Equities Fund?\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yep. So that's the one that dropped the most, 17% drop there. That was a pretty big chunk of the silver. That's your Australian shares. Do you remember getting in March an email from us called a record of advice or an ROA?\n\nChannel 1: To be honest with that, but yeah.\n\nChannel 0: So,\n\nChannel 1: Okay.\n\nChannel 0: basically, what happens was most of the time when we do a review, I go through the portfolio, see if I need to update any options, that kind of thing, and we would\n\nChannel 1: Mhmm.\n\nChannel 0: send you, like, an updated statement of advice to get you to sign off on the changes. In\n\nChannel 1: Mhmm.\n\nChannel 0: this one particular case, this Benelon option started shooting down a lot quicker than all the other Australian shares options that are out there. So\n\nChannel 1: Mhmm.\n\nChannel 0: we made a decision across the entire client base at a life level to replace that one for all clients straight away. And we basically sold that one off and moved you into the one that's underneath it, which is the beta shares 200 ETF, if you can see that\n\nChannel 1: Yep.\n\nChannel 0: there.\n\nChannel 1: Yeah.\n\nChannel 0: So that's only been running since March, so it has picked up a couple of percent, which is good. But, basically, what that's done is you've switched from an active option to a passive option with a lot lower fees.\n\nChannel 1: Mhmm.\n\nChannel 0: Going\n\nChannel 1: Yeah.\n\nChannel 0: from about 1% fee to about 0.2, and the performance on that miles better over the last one, three, five years. So the first\n\nChannel 1: Okay.\n\nChannel 0: question I had for you was, are you generally okay with that kind of high growth risk level still in terms of goes up ten, twenty, 40%, market crashes, it goes down, and just keep on buying into the market long term to get the high returns? Is that\n\nChannel 1: Mhmm.\n\nChannel 0: an idea that you're still comfortable with?\n\nChannel 1: I think probably at this stage, I wouldn't yeah. I don't think, you know, I don't wanna make any sort of drastic changes right now.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I mean, what are you what are your thoughts on that?\n\nChannel 0: So generally speaking, if it depends on the retirement goal. Right? If you're trying to retire earlier with a higher balance, you've got to kind of grow up fast enough to have enough there to retire on. But you don't wanna be sitting there in a high risk level, and you're 64 and the market wipes throughout just before you ever retire.\n\nChannel 1: Yeah.\n\nChannel 0: So it depends on, I guess, like, time frames and the retirement goal. So for you, you still got a pretty good time frame behind you. Basically, are you looking to, you know, retire as early as possible at 60 when you can access this so far? A goal a little bit slow and steady towards 67. Where do you kinda lean between the two?\n\nChannel 1: You know, I guess, everyone will wanna retire as early as possible. Yeah.\n\nChannel 0: Like, win the lotto tomorrow, out of work sort of thing?\n\nChannel 1: Yeah. Hope he wins the lotto tonight and be out of work. Yeah. That'd be good.\n\nChannel 0: That's the one. Look. Funnily enough,\n\nChannel 1: Yeah.\n\nChannel 0: that question over my twelve years is at a fifty fifty answer where half the country says if I won the lotto, I'm out of the rat race, and the other half says I would know what to do with myself. I always wanna be doing something even if it's part time. So I\n\nChannel 1: Yes.\n\nChannel 0: kind of use that as a bit of a gauge, but it is only enough fifty fifty.\n\nChannel 1: Yes.\n\nChannel 0: Now high growth is great for that. So, basically, what the plan is with all these passive ETFs that we've got you in is it's pretty much buy regularly for the next, say, ten to fourteen years, get\n\nChannel 1: Yeah.\n\nChannel 0: the really high returns. And then in\n\nChannel 1: Yep.\n\nChannel 0: the last six to nine years, we slowly reduce your asset allocation from a\n\nChannel 1: Yep.\n\nChannel 0: 100% growth asset, ninety, eighty, seventy, sixty, fifty, forty, and there's your pension account from the '60.\n\nChannel 1: Yeah.\n\nChannel 0: K. So\n\nChannel 1: Okay.\n\nChannel 0: that's the general idea that gets you the kind of best outcome because you've got 6 figure income with good contributions, got best investments long term. But then at some point, once you've got that million dollars, we then start to protect it.\n\nChannel 1: Yes.\n\nChannel 0: K?\n\nChannel 1: Okay.\n\nChannel 0: Now what my advice would be at the moment, the the the other two things I want to brag with you, is when I look at the portfolio with that one option being switched out, overall, it looks really good.\n\nChannel 1: Yes.\n\nChannel 0: So that one thing kind of weighing you down recently, that's kind of been resolved. And when I look across all the options, there's nothing that really concerns me or I think it's like a an alarm bell to switch at this point.\n\nChannel 1: So, basically, if it wasn't for that, we would have been up by about 10,000 to 11,000. Because at the\n\nChannel 0: Pretty\n\nChannel 1: moment, it's\n\nChannel 0: much.\n\nChannel 1: basically just a breakeven. Right?\n\nChannel 0: Yeah. That's right.\n\nChannel 1: Yeah. Okay. And so why wasn't the decision made earlier to switch?\n\nChannel 0: Basically, these things take a couple of months to happen. So\n\nChannel 1: Yeah.\n\nChannel 0: as that thing is happening, we flag it as a team, goes to our investment committee. They go under the hood and go, is this something that's likely to bounce back like normal? And only twice in my entire career have we ever looked at an option and gone, it's not gonna bounce back. And that's because\n\nChannel 1: Yeah.\n\nChannel 0: the bed along fund is actually at a point they're probably gonna wind up and close down in the next year or two.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Most of the time, I just go look buy in, buy the dip, let the market go down, buy some more shares and property for a cheaper price. When you go up, you get a 30% return, everybody's happy. But every now and then you go, it's not doing what it should be doing.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K? Now outside of that, though, the other two questions I wanted to broach with you is I like the portfolio. Do you want me to look at any like, you've been in Netwealth for for almost six years now with O. Q. Financial.\n\nDo you want me to look at any other super funds to try and find some with some low fees and switch around with a similar portfolio, or you're happy to\n\nChannel 1: Yep.\n\nChannel 0: kind of let this one kind of do its thing?\n\nChannel 1: Are there any others that are got a better portfolio in terms of less fees and stuff? Or\n\nChannel 0: So there's a competitor to them, which has come up really strong recently I wanna consider for you. And, basically, they've got the same amount of investment options, but they're\n\nChannel 1: mhmm.\n\nChannel 0: just a bit better on the administration fees for holding the account. So basically, what I would do, if you're okay, is just do a bit of a comparison, see if it's actually enough of a benefit to go through the admin to jump across,\n\nChannel 1: Yep.\n\nChannel 0: and see if there's anything else I can fix up on the portfolio\n\nChannel 1: Yes.\n\nChannel 0: if you're comfortable with me doing that.\n\nChannel 1: Yeah. No. I think maybe maybe that might be another question for, you know, question for next next annual review. I think at this\n\nChannel 0: Yep.\n\nChannel 1: moment, we might leave it as it is. Yeah. Yeah.\n\nChannel 0: Okay. No. That's fine. And, look, there's nothing wrong with the the platform of Netwealth. The feed is still competitive.\n\nThe investment menu is still, you know, top five in the country. It's just like if I wanna try and find the the extra 1% for you, I can go away and do that.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Cool. When when it comes to the Colonial account, so the usual strategy with this situation is you've got your insurance is sitting over there. We usually like to maintain about 10,000 to keep the the insurance in force and then move\n\nChannel 1: Mhmm.\n\nChannel 0: funds across to invest into your your main funds. Are you still\n\nChannel 1: Yeah.\n\nChannel 0: okay with that idea for me to do a, like, a bit of a comparison between the two and look at a bit of a sweep across?\n\nChannel 1: I think, yes. I'd like to also understand in terms of now in Colonial, like, you'll be able to compare to see where I've lost in Colonial as well. Right?\n\nChannel 0: Yeah. Yeah. We can basically go through and look at I do need a little bit\n\nChannel 1: Yep.\n\nChannel 0: of research on your client, actually. But besides, once I've got the authority fixed up, I can\n\nChannel 1: Mhmm.\n\nChannel 0: break down the account, and we've got all the research tools to go under the hood and look at both funds\n\nChannel 1: Yeah. So I guess,\n\nChannel 0: side by\n\nChannel 1: yeah,\n\nChannel 0: side.\n\nChannel 1: I guess it's yeah. I guess what would be better, good for me to understand is, you know, in terms of performance wise, on the two are colonial versus, you know, in terms of, like, what we're investing through Networld. How much was Netwealth better or how much was you know, is it Colonial? What which one was better off for me for the last, you know, twelve months or so?\n\nChannel 0: Yeah. And I've got to give you a bit of a a dual comparison there because I can look back and go, this is the twelve months, but I'm also forward looking and saying which one's looking good going forward\n\nChannel 1: Yep.\n\nChannel 0: in terms of, you know, the switch that we just made a month until we got.\n\nChannel 1: Yeah. Yeah. Okay. Yep.\n\nChannel 0: Cool. I'll do that comparison there. I was just having a look at our new system because I'm trying to make sure the data's accurate since it's come across.\n\nChannel 1: Yep.\n\nChannel 0: Basically, there was a bit of an issue with a spelling error on an email address for an authority for us to contact them. And there\n\nChannel 1: Okay.\n\nChannel 0: was a note there that you were gonna call Colonial just to update the email address so it could match. Does that ring a bell from, like, the last twelve months or so? Could it even been earlier?\n\nChannel 1: To be honest, no.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. If you're okay with that, I'll get the team to kind of go through the authority so we can get a rundown and access to the account again just because it's\n\nChannel 1: Yep.\n\nChannel 0: one of the things that you've got to refresh every now and then.\n\nChannel 1: Okay.\n\nChannel 0: Cool. In terms of the insurances, though,\n\nChannel 1: Mhmm.\n\nChannel 0: really fantastic policy that they've got you in from CommonSure. I don't know if you remember the news articles that came out about CommonSure back in the day.\n\nChannel 1: I think I do that. Yeah.\n\nChannel 0: Yeah. There was that huge scandal, and I ended up\n\nChannel 1: Correct.\n\nChannel 0: kind of winding down as an insurance company. But what's\n\nChannel 1: Yeah.\n\nChannel 0: happened is they've kind of grandfathered your policy across, and\n\nChannel 1: Yes.\n\nChannel 0: it's actually really good. It's like $800 a year. You've got just under half a mil of life and CPD insurance for disability, and\n\nChannel 1: Yes.\n\nChannel 0: your income protection, they've been slowly increasing it with inflation to try and keep\n\nChannel 1: Okay.\n\nChannel 0: up with that.\n\nChannel 1: Yep.\n\nChannel 0: Thirty day waiting period, three year benefits. So if you're out of work for a month, kicks in monthly $8, and that'll keep going for up to two years if you're sick or injured for that long per injury.\n\nChannel 1: Mhmm. Okay. Yep.\n\nChannel 0: Now, basically, what I'm saying is that for that price for those three policies of cover, that's top 2% in the insurance space at the moment.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So I definitely wanna keep that going as long as it's an appropriate level of cover. Let me just quickly check this because like I said, it has increased. $8,000 a month,\n\nChannel 1: Yes.\n\nChannel 0: and they usually cover you for 75% for an old policy before 2021. So it's protecting you for an income of a 133,000.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now that gives you a bit of a buffer, but let's say you give them twelve months of financials when you claim, and they go, oh, you've only earned a 118. They'll pay you 75% on that amount, and you would have paid a tiny bit extra for something that you couldn't have claimed on, if that makes sense.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: So it's a very affordable way to have a buffer. So when your income increases, your insurance has already kept up with it without the\n\nChannel 1: Yep.\n\nChannel 0: premium skyrocketing. But I just wanna\n\nChannel 1: Yep.\n\nChannel 0: make you aware that if you go through a claim, the payment\n\nChannel 1: Mhmm.\n\nChannel 0: might not be exactly the same.\n\nChannel 1: Yeah. It's 75% of the total. Right?\n\nChannel 0: Yeah. Up into the maximum of, again,\n\nChannel 1: Of a\n\nChannel 0: 130\n\nChannel 1: hundred and thirty.\n\nChannel 0: 3,000. Yep.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nThat's fine.\n\nChannel 0: What about the life in CPD? So that 400,000 plus your super, the last time we checked your liability, your mortgage was about $6.90.\n\nChannel 1: Yep.\n\nChannel 0: So that's pretty much cleared by the insurance combined with the super at the moment to leave the family essentially debt free. Is that kind of your aim for that type\n\nChannel 1: Yeah.\n\nChannel 0: of cover?\n\nChannel 1: Yeah. Yeah. Yeah. That's fine. Yeah.\n\nChannel 0: Perfect. And I'm assuming you still wanna make sure that your partner's listed as beneficiary for the life insurance and the both super accounts?\n\nChannel 1: Yep.\n\nChannel 0: So I'll double check those just to make sure nothing's clicked off like a latching nomination or anything. And, basically, what I wanna do is I'll do that, update a comparison for\n\nChannel 1: Sure.\n\nChannel 0: you. We'll\n\nChannel 1: Mhmm.\n\nChannel 0: compare the Netwealth and the Colonial, see if we need to change anything and the\n\nChannel 1: Mhmm.\n\nChannel 0: recommendations. I'll include any info about the estate planning if I need to, and\n\nChannel 1: Yep.\n\nChannel 0: I'll factor in the premiums for the insurances and so on. Alrighty. Mate, two more questions for you, but do you have any questions so far?\n\nChannel 1: Okay. No. No. I'm really okay. Yep.\n\nChannel 0: K. Just in terms of estate planning, did you end up putting in place a will and power of attorney?\n\nChannel 1: Power returning?\n\nChannel 0: Yeah.\n\nChannel 1: No. It's not happening.\n\nChannel 0: K. And, like, a will for where the house goes and cars and cash and all that kind of thing?\n\nChannel 1: No. I haven't done any\n\nChannel 0: No.\n\nChannel 1: of that.\n\nChannel 0: That's fine. If it does help and if you do feel it's important,\n\nChannel 1: Okay.\n\nChannel 0: obviously, people go to lawyers for will, but there's also public trustees of every state that do appointments like the courthouse. And even the post office has government approved will kits for, like, 20 plus bucks. So if that\n\nChannel 1: And\n\nChannel 0: kind\n\nChannel 1: you\n\nChannel 0: of helps a little bit.\n\nChannel 1: just and you just, like, drop it yourself. Yeah?\n\nChannel 0: Yeah. Draft it yourself. Get it witnessed and signed by, you know, JP's and witnesses and everything. And\n\nChannel 1: Yeah.\n\nChannel 0: they're they're legal approved. That's why they kind of supply through AusPost.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. They're not\n\nChannel 1: Okay.\n\nChannel 0: the fanciest\n\nChannel 1: Yeah. That's\n\nChannel 0: thing, but\n\nChannel 1: something\n\nChannel 0: if it's\n\nChannel 1: that\n\nChannel 0: just\n\nChannel 1: that's\n\nChannel 0: for\n\nChannel 1: something\n\nChannel 0: a half\n\nChannel 1: that\n\nChannel 0: car\n\nChannel 1: happened\n\nChannel 0: and\n\nChannel 1: in\n\nChannel 0: cash.\n\nChannel 1: today. Yeah.\n\nChannel 0: Absolutely. If you have any questions on that anytime, I just let me know. But I just\n\nChannel 1: Yep.\n\nChannel 0: thought I'd give you a couple options there if that helps.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Alrighty. So I'll get the team to kind of reach out for that research on Colonial. As soon as I've got that down, I'll do the comparisons and put the updated statement of advice together for you. Now just given the time that it takes them to, a, update the email address if they need to,\n\nChannel 1: Yep.\n\nChannel 0: approve\n\nChannel 1: Yep.\n\nChannel 0: the authority, do the research, put the plan together, I'm pretty much gonna be contacting well, the team will be in touch with you over the next few weeks a couple of times, and then\n\nChannel 1: Yep.\n\nChannel 0: we'll\n\nChannel 1: Yep.\n\nChannel 0: be probably speaking just before the end of financial year to go through the updated plan. Cool.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Included in there as well in that email I've sent you, that sign button that you saw at the top, that's for the service agreement and tax file number opt in there as well. So\n\nChannel 1: Yeah.\n\nChannel 0: if you're still happy with the service, we still charge the 1.65%. Spread that\n\nChannel 1: Yep.\n\nChannel 0: out over the twelve months into the little repayments, 15\n\nChannel 1: Yep.\n\nChannel 0: percent tax rebate, the super fund claims. But other\n\nChannel 1: Mhmm.\n\nChannel 0: than that, are we touching on it again when we do the updated plan just to make sure you're actually happy with what I'm proposing and can\n\nChannel 1: Yep.\n\nChannel 0: give you consent then as well.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Any questions for me so far, mate?\n\nChannel 1: No. Not at this stage. I guess I tend to, like, financial advice in terms of, like, you know you know, when we're looking to buy a house. Right? Say, like, for instance, like, investment property, in terms of, like, the cover through Netwealth and through my\n\nChannel 0: Yep.\n\nChannel 1: business and such in terms of which I already pay, is there any sort of, like, someone that gives guidance in terms of, like, what I should what my options would be on the terms of how to use, I guess, equity in my house for such device and things and so on?\n\nChannel 0: Yeah. So the way the the professionals work, so overview financial, we're financial advisers. We kind of sit in the middle of your financial travel agent. Right? Go with this airline.\n\nGo with the tickets for the extra baggage. Here's the product. This is what you're trying to get to in terms of goals. You've got mortgage brokers who specialize in getting the loans. You've got\n\nChannel 1: Yeah.\n\nChannel 0: buyers' agents who specialize in finding a property.\n\nChannel 1: Yep.\n\nChannel 0: And then the advisers, we go through the strategies, projections, and also just the general education as well. So have you\n\nChannel 1: Yeah.\n\nChannel 0: ever gone through any kind of lending besides just when you first bought the property?\n\nChannel 1: No. No. I haven't.\n\nChannel 0: K. I won't kind of info dump at you right now, but the the main thing to to remember is have you heard of the concept of LVR before?\n\nChannel 1: No.\n\nChannel 0: K. So that's essentially loan to value ratio. So when the bank does the lending, they go, how much debt are we talking about or how much assets that are being put up as security? So I've got the previous value at 1,500,000. I was gonna do a bit of an update online just to see if that's jumped up a little bit, but do you know what the value might be right now?\n\nChannel 1: Mhmm. Of my plate? Oh,\n\nChannel 0: Yes.\n\nChannel 1: yeah. If you've got a 1.8, I'd say. 1.8 to\n\nChannel 0: Yep.\n\nChannel 1: 2.\n\nChannel 0: Perfect. So let's go conservative one point a.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: When you go more debt than 80% of your property value, they hit you with\n\nChannel 1: Mhmm.\n\nChannel 0: LMI, which is lenders mortgage insurance, which is essentially just an extra huge fee, which on your property value could be upwards of 25 to 50,000 that gets tacked onto the loan if you take on that much debt.\n\nChannel 1: Yep.\n\nChannel 0: If you go\n\nChannel 1: Okay.\n\nChannel 0: below 80%, you get the better interest rates and you get to avoid that huge fee, which essentially means you don't wanna go over about 1,400,000 worth of\n\nChannel 1: Yep.\n\nChannel 0: debt\n\nChannel 1: Yep.\n\nChannel 0: for the property values.\n\nChannel 1: Okay.\n\nChannel 0: Now if you're owing, let's say, $6.90 and you've got another\n\nChannel 1: Yep.\n\nChannel 0: 700,000 of equity sitting there that you can use,\n\nChannel 1: Mhmm.\n\nChannel 0: You can use a few 100,000 of that as a deposit for the next place, and the next place is probably gonna be fully, like, full debt.\n\nChannel 1: Yeah. Yeah. Yeah. Okay.\n\nChannel 0: So I'll give you an example just briefly with with my property. So\n\nChannel 1: Yep.\n\nChannel 0: I bought this place in probably the, you know, worst street, worst suburb as a starter home many years ago, and it went from 340,000 up to 800,000.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So we have that debt of a couple of $100. We released a couple of 100,000 of equity to go buy another place in North Queensland, and that was about 600,000. So what we ended up with was our original mortgage sitting on the house, the\n\nChannel 1: Mhmm.\n\nChannel 0: deposit loan also sitting on the house, but\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: that is an investment loan because it's for investment purposes.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: And then\n\nChannel 1: Okay.\n\nChannel 0: all of the debt on the investment property. So three loans, original\n\nChannel 1: Yep.\n\nChannel 0: mortgage, the deposit, and the investment loan. Does that make sense so far?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yep. So then, basically,\n\nChannel 1: Mhmm.\n\nChannel 0: what that means is that my repayments for my home, if I used it for the deposit, they've jumped up a little bit because I've increased my debt to finance the next place. So that went up another 150 a week, so I had to factor that into\n\nChannel 1: Mhmm.\n\nChannel 0: the budget. And then on\n\nChannel 1: Yep.\n\nChannel 0: the second hand, the rent that I'm getting from the investment property, does that cover the loan on that investment property that it's\n\nChannel 1: Yeah. Okay.\n\nChannel 0: k? The\n\nChannel 1: Okay.\n\nChannel 0: last thing I wanna say is a good kind of rule of thumb is let's say you buy a, let's just say, use an investment property for $800,000\n\nChannel 1: Yep.\n\nChannel 0: as an example. If you use the $200,000 deposit from your main home and you now owe 600,000 on the investment property, you kind of wanna be getting at least $800 a week in rent. So 800,000, 800 a week, 900,900 a week.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: What that basically does, it means you're getting a 5% rental return on\n\nChannel 1: Yeah.\n\nChannel 0: the value of the\n\nChannel 1: Okay.\n\nChannel 0: whole property. And because the loan is only 600,000 on that side, the\n\nChannel 1: Yeah.\n\nChannel 0: 800 a week should be able to cover the loan,\n\nChannel 1: How about the mortgage?\n\nChannel 0: the agent's\n\nChannel 1: Yeah.\n\nChannel 0: fees, the\n\nChannel 1: Yeah.\n\nChannel 0: insurances, and so on.\n\nChannel 1: Right. So you're basically just only paying for a 100 or whatever it is that you're paying on your personal loan because of the what's\n\nChannel 0: For that\n\nChannel 1: the\n\nChannel 0: deposit.\n\nChannel 1: code? Yeah. For that deposit. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Exactly right. The other thing is obviously consider things like like repairs, vacancy, and all that kind of thing. So anything above that 800,800 a week, that pushes you more into the positively geared. If you're getting below that, you're gonna be hitting negative gearing. And unless\n\nChannel 1: Yeah.\n\nChannel 0: it's a new property because of the new changes that are gonna come through,\n\nChannel 1: Yep.\n\nChannel 0: you're not gonna be able to claim it on your tax.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: So newly built or one that you build, that's great.\n\nChannel 1: Mhmm.\n\nChannel 0: But then just, you know, double check with your accountant about what that's gonna look like while it's being built. But generally speaking, if you can get that amount of rent for that amount of property and keep it either just negatively geared, then you don't have to\n\nChannel 1: Yeah.\n\nChannel 0: put too much of a bill, or positively geared, you should be okay. Anything worse than that, you're gonna give yourself a lot of grief for about\n\nChannel 1: Mhmm.\n\nChannel 0: three to five years before it does anything.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K? So I've kind of just dumped about six things at you on one go, but I just wanted to give you that idea of you go to the lenders in the bank or the broker, you figure out your 80%, find the property, what does it rent for, have a bit of a calculation on how negatively or positively geared it might be, and what that might do to your your family budget\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: to borrow\n\nChannel 1: Yep.\n\nChannel 0: to get that.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Okay.\n\nChannel 0: Now outside of that, if you ever need a broker, buyer's agent, whatever you need, like, we've obviously got a network of people across the country, just\n\nChannel 1: Okay.\n\nChannel 0: let me know and I can get you a referral. If you've already got someone, happy with that.\n\nChannel 1: Yeah. No worries. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Perfect.\n\nChannel 0: Any questions on that?\n\nChannel 1: No. No. Not working.\n\nChannel 0: Sensational. So, Janet, mate, if you're okay for the team to reach out over the next couple of weeks just to get that colonial research fixed up for me, I will\n\nChannel 1: Yep.\n\nChannel 0: pretty much be speaking to you end of June, and I'll kind of let you know what the recommendations are from there.\n\nChannel 1: Okay. Alright. Sounds good then.\n\nChannel 0: Awesome. Have a fantastic\n\nChannel 1: Okay.\n\nChannel 0: day. If you have any trouble with that digital email, just call through and the team can walk you through it.\n\nChannel 1: Perfect. No worries. Thanks for reaching out.\n\nChannel 0: No worries at all, mate. I'll talk to you again soon.\n\nChannel 1: Alright. Thanks. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.03453127294778824}],"sentiment":"neutral","sentiment_score":0.03453127294778824,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Good afternoon, Shannon.","start":3.12,"end":4.24,"sentiment":"neutral","sentiment_score":0.28791601459185284},{"text":"It's Tommy here, senior adviser from.","start":4.24,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.1746982162197431},{"text":"How are you doing?","start":6.3999996,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.18464191257953644}],"sentiment":"neutral","sentiment_score":0.20388499933939713,"channel":0,"num_words":13,"start":3.12,"end":7.2999997},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.25625544786453247},{"text":"Good.","start":7.68,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5605746507644653},{"text":"Thanks, Bill.","start":7.8399997,"end":8.66,"sentiment":"positive","sentiment_score":0.6899239420890808}],"sentiment":"positive","sentiment_score":0.5491694957017899,"channel":1,"num_words":4,"start":7.3599997,"end":8.66},{"sentences":[{"text":"Fantastic.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.819083571434021},{"text":"Living the dream so far.","start":10.24,"end":11.5199995,"sentiment":"positive","sentiment_score":0.7264868378639221},{"text":"I'm just giving you a call to go through your annual review, sir.","start":11.5199995,"end":14.5,"sentiment":"neutral","sentiment_score":0.28438806189940524}],"sentiment":"positive","sentiment_score":0.42887171397083684,"channel":0,"num_words":19,"start":9.5199995,"end":14.5},{"sentences":[{"text":"Okay.","start":14.96,"end":15.28,"sentiment":"neutral","sentiment_score":0.13104863464832306},{"text":"Yeah.","start":15.28,"end":15.765,"sentiment":"neutral","sentiment_score":0.18605227768421173}],"sentiment":"neutral","sentiment_score":0.1585504561662674,"channel":1,"num_words":2,"start":14.96,"end":15.765},{"sentences":[{"text":"Perfect.","start":17.705,"end":18.025,"sentiment":"positive","sentiment_score":0.3668025732040405},{"text":"Have you got a bit of twenty minutes or so for me?","start":18.025,"end":20.685,"sentiment":"neutral","sentiment_score":0.13788985460996628}],"sentiment":"neutral","sentiment_score":0.1554985252710489,"channel":0,"num_words":13,"start":17.705,"end":20.685},{"sentences":[{"text":"Yeah.","start":20.645,"end":21.045,"sentiment":"neutral","sentiment_score":0.09198400378227234},{"text":"Yeah.","start":21.045,"end":21.205,"sentiment":"neutral","sentiment_score":0.13047140836715698},{"text":"That's fine.","start":21.205,"end":22.025,"sentiment":"neutral","sentiment_score":0.27804677188396454}],"sentiment":"neutral","sentiment_score":0.1946372389793396,"channel":1,"num_words":4,"start":20.645,"end":22.025},{"sentences":[{"text":"Perfect.","start":22.665,"end":23.064999,"sentiment":"positive","sentiment_score":0.575275182723999},{"text":"Perfect.","start":23.064999,"end":23.385,"sentiment":"positive","sentiment_score":0.4993709921836853},{"text":"So I've got a bit of an annual review pack that I'm gonna get sent through to your email address.","start":23.385,"end":27.645,"sentiment":"neutral","sentiment_score":0.24218545854091644},{"text":"I'm just gonna go through a quick security check with you, and then we can jump into it together.","start":28.43,"end":32.510002,"sentiment":"neutral","sentiment_score":0.21296796908504084},{"text":"I'll update a few details, and we'll kind of see if we need to update any of the strategies, if that's alright.","start":32.510002,"end":37.97,"sentiment":"neutral","sentiment_score":0.1423913985490799}],"sentiment":"neutral","sentiment_score":0.20789456391145314,"channel":0,"num_words":63,"start":22.665,"end":37.97},{"sentences":[{"text":"Yeah.","start":38.29,"end":38.69,"sentiment":"neutral","sentiment_score":0.19197526574134827},{"text":"That one looks fine.","start":38.69,"end":39.75,"sentiment":"neutral","sentiment_score":0.3123256117105484}],"sentiment":"neutral","sentiment_score":0.2882555425167084,"channel":1,"num_words":5,"start":38.29,"end":39.75},{"sentences":[{"text":"Fantastic.","start":40.445,"end":40.945,"sentiment":"positive","sentiment_score":0.509909987449646},{"text":"So I'm registered with ASIC as adviser 1273105.","start":41.085,"end":45.885,"sentiment":"neutral","sentiment_score":0.12620385084301233},{"text":"Could you please confirm your date of birth and address?","start":45.885,"end":48.945,"sentiment":"neutral","sentiment_score":0.0741006825119257}],"sentiment":"neutral","sentiment_score":0.11897619049015798,"channel":0,"num_words":19,"start":40.445,"end":48.945},{"sentences":[{"text":"Yeah.","start":49.504997,"end":49.745,"sentiment":"neutral","sentiment_score":0.0184570774435997},{"text":"09/27/1995.","start":49.745,"end":51.765,"sentiment":"neutral","sentiment_score":0.016699064522981644},{"text":"10 Goola Street, Seabirdown, South Australia.","start":52.625,"end":55.05,"sentiment":"neutral","sentiment_score":0.04010666348040104}],"sentiment":"neutral","sentiment_score":0.03447451535612345,"channel":1,"num_words":8,"start":49.504997,"end":55.05},{"sentences":[{"text":"Perfect.","start":56.100002,"end":56.420002,"sentiment":"neutral","sentiment_score":0.2263357937335968},{"text":"And are you okay for the call to be recorded?","start":56.420002,"end":58.36,"sentiment":"neutral","sentiment_score":0.048850066028535366}],"sentiment":"neutral","sentiment_score":0.06498513218354095,"channel":0,"num_words":11,"start":56.100002,"end":58.36},{"sentences":[{"text":"Yes.","start":59.03,"end":59.35,"sentiment":"neutral","sentiment_score":0.07013607770204544},{"text":"That's fine.","start":59.35,"end":60.09,"sentiment":"neutral","sentiment_score":0.13589243218302727}],"sentiment":"neutral","sentiment_score":0.11397364735603333,"channel":1,"num_words":3,"start":59.03,"end":60.09},{"sentences":[{"text":"Perfect.","start":60.58,"end":60.9,"sentiment":"neutral","sentiment_score":0.32889240980148315},{"text":"So I've got your Hotmail address there.","start":60.9,"end":62.84,"sentiment":"neutral","sentiment_score":0.13913520638431823},{"text":"I'm gonna pop this pack through to you now.","start":62.98,"end":65.56,"sentiment":"neutral","sentiment_score":0.1866271843512853},{"text":"Do you want","start":65.7,"end":66.1,"sentiment":"neutral","sentiment_score":0.02569723812242349}],"sentiment":"neutral","sentiment_score":0.15297876140102745,"channel":0,"num_words":20,"start":60.58,"end":66.1},{"sentences":[{"text":"Mhmm.","start":65.99,"end":66.405,"sentiment":"neutral","sentiment_score":0.04267857223749161}],"sentiment":"neutral","sentiment_score":0.04267857223749161,"channel":1,"num_words":1,"start":65.99,"end":66.405},{"sentences":[{"text":"me to just kinda walk you through the documents that are coming through, or are you okay to kind of look onto a few of them with me?","start":66.1,"end":71.345,"sentiment":"neutral","sentiment_score":0.05365741279508386}],"sentiment":"neutral","sentiment_score":0.05365741279508386,"channel":0,"num_words":28,"start":66.1,"end":71.345},{"sentences":[{"text":"Yeah.","start":72.325,"end":72.565,"sentiment":"neutral","sentiment_score":-0.005824476480484009},{"text":"No.","start":72.565,"end":72.885,"sentiment":"neutral","sentiment_score":-0.03825471550226211},{"text":"I think we can I can kinda just look on through it?","start":72.885,"end":75.765,"sentiment":"neutral","sentiment_score":-0.032825772340099015},{"text":"Yeah.","start":75.765,"end":76.265,"sentiment":"neutral","sentiment_score":0.057146649807691574}],"sentiment":"neutral","sentiment_score":-0.02538945401708285,"channel":1,"num_words":15,"start":72.325,"end":76.265},{"sentences":[{"text":"Yep.","start":76.925,"end":77.245,"sentiment":"neutral","sentiment_score":0.1171460971236229},{"text":"Awesome.","start":77.245,"end":77.745,"sentiment":"neutral","sentiment_score":0.2347161769866943},{"text":"So what's coming through now is a bit of an updated performance report.","start":77.885,"end":81.265,"sentiment":"neutral","sentiment_score":0.14255769493488166},{"text":"We've got a summary of both accounts and the insurances.","start":81.45,"end":84.59,"sentiment":"neutral","sentiment_score":0.14524728953838348},{"text":"We've got an updated financial services guide, the license details and so on, and the service agreement as well.","start":85.28999,"end":92.27,"sentiment":"neutral","sentiment_score":0.12955364506495626}],"sentiment":"neutral","sentiment_score":0.13907055590640416,"channel":0,"num_words":44,"start":76.925,"end":92.27},{"sentences":[{"text":"Mhmm.","start":93.06,"end":93.299995,"sentiment":"neutral","sentiment_score":0.05189893767237663},{"text":"Okay.","start":93.299995,"end":93.799995,"sentiment":"neutral","sentiment_score":0.058141350746154785}],"sentiment":"neutral","sentiment_score":0.05502014420926571,"channel":1,"num_words":2,"start":93.06,"end":93.799995},{"sentences":[{"text":"And is there anything in particular that you're hoping to get out of this year's review that I can focus on for you?","start":94.585,"end":99.645,"sentiment":"neutral","sentiment_score":0.0730204792774242}],"sentiment":"neutral","sentiment_score":0.0730204792774242,"channel":0,"num_words":23,"start":94.585,"end":99.645},{"sentences":[{"text":"No.","start":100.845,"end":101.085,"sentiment":"neutral","sentiment_score":-0.09287793189287186},{"text":"I guess, you know, just in terms of performance and stuff and how we're doing.","start":101.085,"end":104.005005,"sentiment":"neutral","sentiment_score":-0.05435891523957252},{"text":"So yep.","start":104.005005,"end":105.185005,"sentiment":"neutral","sentiment_score":0.03219909593462944}],"sentiment":"neutral","sentiment_score":-0.04688130381206671,"channel":1,"num_words":18,"start":100.845,"end":105.185005},{"sentences":[{"text":"Yep.","start":105.064995,"end":105.384995,"sentiment":"neutral","sentiment_score":0.07415696233510971},{"text":"Just a bit of a general update on the super performance.","start":105.384995,"end":107.405,"sentiment":"neutral","sentiment_score":0.08293068883093921}],"sentiment":"neutral","sentiment_score":0.08219954495628674,"channel":0,"num_words":12,"start":105.064995,"end":107.405},{"sentences":[{"text":"Mhmm.","start":107.965004,"end":108.465004,"sentiment":"neutral","sentiment_score":-0.006899313535541296}],"sentiment":"neutral","sentiment_score":-0.006899313535541296,"channel":1,"num_words":1,"start":107.965004,"end":108.465004},{"sentences":[{"text":"And just while that's coming through to you now, it's through our new system that we built, so it should come through to your main inbox pretty quickly.","start":109.229996,"end":115.729996,"sentiment":"neutral","sentiment_score":0.2903604879975319}],"sentiment":"neutral","sentiment_score":0.2903604879975319,"channel":0,"num_words":28,"start":109.229996,"end":115.729996},{"sentences":[{"text":"Okay.","start":120.19,"end":120.69,"sentiment":"neutral","sentiment_score":-0.0073222629725933075},{"text":"I'm just checking my spam.","start":121.345,"end":123.445,"sentiment":"neutral","sentiment_score":-0.12132081761956215},{"text":"Tommy yep.","start":123.985,"end":124.784996,"sentiment":"neutral","sentiment_score":0.0005026571452617645},{"text":"Here we go.","start":124.784996,"end":125.345,"sentiment":"neutral","sentiment_score":0.058530120799938835},{"text":"Yep.","start":125.345,"end":125.845,"sentiment":"neutral","sentiment_score":0.22161361575126648}],"sentiment":"neutral","sentiment_score":-0.017976421552399795,"channel":1,"num_words":12,"start":120.19,"end":125.845},{"sentences":[{"text":"Perfect.","start":127.145004,"end":127.645004,"sentiment":"positive","sentiment_score":0.5677536129951477},{"text":"Now while I've got the details open in front of me there, so no change in address or phone number, email address.","start":128.185,"end":136.29999,"sentiment":"neutral","sentiment_score":0.11080732704563574},{"text":"We had you at the last review as a production manager on about 118,000.","start":137.23999,"end":142.59999,"sentiment":"neutral","sentiment_score":0.08408704692763942},{"text":"Is that still correct?","start":142.59999,"end":143.65999,"sentiment":"neutral","sentiment_score":0.06644356530159712}],"sentiment":"neutral","sentiment_score":0.10850018844371889,"channel":0,"num_words":41,"start":127.145004,"end":143.65999},{"sentences":[{"text":"Yeah.","start":144.48001,"end":144.88,"sentiment":"neutral","sentiment_score":0.07394739985466003},{"text":"Yeah.","start":144.88,"end":145.12001,"sentiment":"neutral","sentiment_score":0.08370077610015869},{"text":"Yeah.","start":145.12001,"end":145.335,"sentiment":"neutral","sentiment_score":0.10639368742704391}],"sentiment":"neutral","sentiment_score":0.08801395446062088,"channel":1,"num_words":3,"start":144.48001,"end":145.335},{"sentences":[{"text":"Yep.","start":146.2,"end":146.7,"sentiment":"neutral","sentiment_score":0.15733371675014496},{"text":"I think you were putting aside around about $2.50 a week, and the main goal that I have listed down is basically investing in property.","start":147.25499,"end":155.11499,"sentiment":"neutral","sentiment_score":0.15683454185724258},{"text":"You were kind of building a home at the time.","start":155.33499,"end":157.17499,"sentiment":"neutral","sentiment_score":0.07052935473620892},{"text":"Is that correct?","start":157.17499,"end":157.995,"sentiment":"neutral","sentiment_score":0.06158021464943886}],"sentiment":"neutral","sentiment_score":0.12739055011516962,"channel":0,"num_words":39,"start":146.2,"end":157.995},{"sentences":[{"text":"Yeah.","start":158.455,"end":158.77501,"sentiment":"neutral","sentiment_score":0.04041186347603798},{"text":"At the time, well, yeah.","start":158.77501,"end":159.975,"sentiment":"neutral","sentiment_score":0.02372107543051243},{"text":"Yeah.","start":159.975,"end":160.23,"sentiment":"neutral","sentiment_score":0.09019175171852112}],"sentiment":"neutral","sentiment_score":0.03560128462101732,"channel":1,"num_words":7,"start":158.455,"end":160.23},{"sentences":[{"text":"Yep.","start":160.70999,"end":161.18999,"sentiment":"neutral","sentiment_score":0.09846314042806624},{"text":"So I'm just gonna quickly double check that with you because what I've got for assets so far is your main residence and two cars.","start":161.18999,"end":168.01,"sentiment":"neutral","sentiment_score":0.04310171235352755},{"text":"Do","start":168.23,"end":168.39,"sentiment":"neutral","sentiment_score":-0.004580516368150711}],"sentiment":"neutral","sentiment_score":0.04338612714437423,"channel":0,"num_words":27,"start":160.70999,"end":168.39},{"sentences":[{"text":"Mhmm.","start":168.31,"end":168.81,"sentiment":"neutral","sentiment_score":0.009954707697033882}],"sentiment":"neutral","sentiment_score":0.009954707697033882,"channel":1,"num_words":1,"start":168.31,"end":168.81},{"sentences":[{"text":"you now have that second property?","start":168.39,"end":170.17,"sentiment":"neutral","sentiment_score":-0.015214032183090845}],"sentiment":"neutral","sentiment_score":-0.015214032183090845,"channel":0,"num_words":6,"start":168.39,"end":170.17},{"sentences":[{"text":"No.","start":171.26999,"end":171.51,"sentiment":"neutral","sentiment_score":-0.17785319685935974},{"text":"No.","start":171.51,"end":171.67,"sentiment":"neutral","sentiment_score":-0.2161237001419067},{"text":"Not at this stage.","start":171.67,"end":172.515,"sentiment":"neutral","sentiment_score":-0.27563047409057617}],"sentiment":"neutral","sentiment_score":-0.24941646556059519,"channel":1,"num_words":6,"start":171.26999,"end":172.515},{"sentences":[{"text":"Okay.","start":173.92499,"end":174.325,"sentiment":"neutral","sentiment_score":-0.01482885330915451},{"text":"Perfect.","start":174.325,"end":174.805,"sentiment":"neutral","sentiment_score":0.08919490873813629},{"text":"So is there kind of a, excuse me, a bit of a land being built onto the side, or were you just constructing on your main property?","start":174.805,"end":182.825,"sentiment":"neutral","sentiment_score":-0.04311284629835023}],"sentiment":"neutral","sentiment_score":-0.037575199814706015,"channel":0,"num_words":29,"start":173.92499,"end":182.825},{"sentences":[{"text":"No.","start":183.235,"end":183.735,"sentiment":"neutral","sentiment_score":-0.20216569304466248},{"text":"This is so, actually, you know, yeah, we'll probably be looking to build sorry.","start":184.035,"end":188.29001,"sentiment":"neutral","sentiment_score":-0.21547893115452357},{"text":"Or build or buy is what we're currently working on.","start":188.29001,"end":191.19,"sentiment":"neutral","sentiment_score":-0.1847597047686577}],"sentiment":"neutral","sentiment_score":-0.2026587110757828,"channel":1,"num_words":25,"start":183.235,"end":191.19},{"sentences":[{"text":"Yep.","start":191.99,"end":192.49,"sentiment":"neutral","sentiment_score":0.0019512444268912077},{"text":"Totally","start":192.70999,"end":193.20999,"sentiment":"neutral","sentiment_score":0.028371049091219906}],"sentiment":"neutral","sentiment_score":0.015161146759055557,"channel":0,"num_words":2,"start":191.99,"end":193.20999},{"sentences":[{"text":"Yep.","start":192.85,"end":193.35,"sentiment":"neutral","sentiment_score":0.0353122316300869}],"sentiment":"neutral","sentiment_score":0.0353122316300869,"channel":1,"num_words":1,"start":192.85,"end":193.35},{"sentences":[{"text":"fair.","start":193.27,"end":193.77,"sentiment":"neutral","sentiment_score":0.015625450760126114},{"text":"And have you looked at all the budget changes and all that stuff that's been going on about the negative gearing capital gain?","start":194.06999,"end":199.685,"sentiment":"neutral","sentiment_score":-0.14041154540103415}],"sentiment":"neutral","sentiment_score":-0.13391000389431915,"channel":0,"num_words":24,"start":193.27,"end":199.685},{"sentences":[{"text":"Oh, yeah.","start":199.81,"end":200.21,"sentiment":"neutral","sentiment_score":-0.05103529430925846},{"text":"Yeah.","start":200.21,"end":200.53,"sentiment":"neutral","sentiment_score":-0.03139752894639969},{"text":"I've been looking into that.","start":200.53,"end":201.91,"sentiment":"neutral","sentiment_score":-0.052142375707626344}],"sentiment":"neutral","sentiment_score":-0.04927249951288104,"channel":1,"num_words":8,"start":199.81,"end":201.91},{"sentences":[{"text":"Yeah.","start":202.465,"end":202.705,"sentiment":"neutral","sentiment_score":0.1378335952758789},{"text":"Good fun, mate.","start":202.705,"end":203.345,"sentiment":"positive","sentiment_score":0.4701063632965088},{"text":"If you want any information on it, I know they're kind of whittling down the options a little bit, but if there's anything we can do to help, just let us know.","start":203.345,"end":211.65,"sentiment":"neutral","sentiment_score":0.13225875201169401}],"sentiment":"neutral","sentiment_score":0.1605675763761004,"channel":0,"num_words":36,"start":202.465,"end":211.65},{"sentences":[{"text":"Mhmm.","start":212.615,"end":212.695,"sentiment":"neutral","sentiment_score":0.0370878130197525},{"text":"Yeah.","start":212.695,"end":213.095,"sentiment":"neutral","sentiment_score":0.07491016387939453},{"text":"No worries.","start":213.095,"end":213.835,"sentiment":"neutral","sentiment_score":0.1344805508852005}],"sentiment":"neutral","sentiment_score":0.09523976966738701,"channel":1,"num_words":4,"start":212.615,"end":213.835},{"sentences":[{"text":"Perfect.","start":214.84999,"end":215.34999,"sentiment":"neutral","sentiment_score":0.2742823362350464},{"text":"Just double check a couple of details.","start":215.73,"end":217.32999,"sentiment":"neutral","sentiment_score":0.10279479463185583},{"text":"So we still had you married at the time with two dependent children.","start":217.32999,"end":221.81,"sentiment":"neutral","sentiment_score":0.057069951525101296},{"text":"Is that right?","start":221.81,"end":222.54999,"sentiment":"neutral","sentiment_score":0.09438754618167877}],"sentiment":"neutral","sentiment_score":0.08412157945955794,"channel":0,"num_words":24,"start":214.84999,"end":222.54999},{"sentences":[{"text":"Yep.","start":222.71,"end":223.21,"sentiment":"neutral","sentiment_score":0.14232194423675537}],"sentiment":"neutral","sentiment_score":0.14232194423675537,"channel":1,"num_words":1,"start":222.71,"end":223.21},{"sentences":[{"text":"Awesome.","start":224.05501,"end":224.455,"sentiment":"positive","sentiment_score":0.39960622787475586},{"text":"Alrighty.","start":224.455,"end":224.955,"sentiment":"neutral","sentiment_score":0.2610737979412079},{"text":"Now if you can grab open that email for me, you should","start":225.175,"end":228.375,"sentiment":"neutral","sentiment_score":0.1407722570002079}],"sentiment":"neutral","sentiment_score":0.16785336498703277,"channel":0,"num_words":14,"start":224.05501,"end":228.375},{"sentences":[{"text":"Mhmm.","start":228.07,"end":228.465,"sentiment":"neutral","sentiment_score":-0.005469872150570154}],"sentiment":"neutral","sentiment_score":-0.005469872150570154,"channel":1,"num_words":1,"start":228.07,"end":228.465},{"sentences":[{"text":"see a summary of Subaru Insurance is the main one I wanna focus on.","start":228.375,"end":233.435,"sentiment":"neutral","sentiment_score":0.10955016847167696}],"sentiment":"neutral","sentiment_score":0.10955016847167696,"channel":0,"num_words":14,"start":228.375,"end":233.435},{"sentences":[{"text":"So I'm just it's just basically saying it's fine document.","start":234.385,"end":237.665,"sentiment":"neutral","sentiment_score":0.2099793627858162},{"text":"Is that the one starting to do?","start":237.665,"end":239.285,"sentiment":"neutral","sentiment_score":0.16541530617645808},{"text":"I haven't","start":239.665,"end":240.325,"sentiment":"neutral","sentiment_score":-0.11454268544912338}],"sentiment":"neutral","sentiment_score":0.15940081053658536,"channel":1,"num_words":19,"start":234.385,"end":240.325},{"sentences":[{"text":"No.","start":240.55,"end":240.95,"sentiment":"neutral","sentiment_score":-0.24791693687438965}],"sentiment":"neutral","sentiment_score":-0.24791693687438965,"channel":0,"num_words":1,"start":240.55,"end":240.95},{"sentences":[{"text":"got any","start":240.625,"end":241.025,"sentiment":"neutral","sentiment_score":-0.26116107404232025}],"sentiment":"neutral","sentiment_score":-0.26116107404232025,"channel":1,"num_words":2,"start":240.625,"end":241.025},{"sentences":[{"text":"Don't","start":240.95,"end":241.27,"sentiment":"neutral","sentiment_score":-0.2825552821159363}],"sentiment":"neutral","sentiment_score":-0.2825552821159363,"channel":0,"num_words":1,"start":240.95,"end":241.27},{"sentences":[{"text":"assessment.","start":241.025,"end":241.525,"sentiment":"neutral","sentiment_score":-0.2050307989120483}],"sentiment":"neutral","sentiment_score":-0.2050307989120483,"channel":1,"num_words":1,"start":241.025,"end":241.525},{"sentences":[{"text":"hit that button.","start":241.27,"end":242.17,"sentiment":"neutral","sentiment_score":-0.03224692245324453},{"text":"So at","start":242.23,"end":242.87,"sentiment":"neutral","sentiment_score":-0.0013322951272130013}],"sentiment":"neutral","sentiment_score":-0.019881071522831917,"channel":0,"num_words":5,"start":241.27,"end":242.87},{"sentences":[{"text":"Yeah.","start":242.75,"end":243.25,"sentiment":"neutral","sentiment_score":0.002174616325646639}],"sentiment":"neutral","sentiment_score":0.002174616325646639,"channel":1,"num_words":1,"start":242.75,"end":243.25},{"sentences":[{"text":"the bottom, there's","start":242.87,"end":244.49,"sentiment":"neutral","sentiment_score":0.010963469122846922}],"sentiment":"neutral","sentiment_score":0.010963469122846922,"channel":0,"num_words":3,"start":242.87,"end":244.49},{"sentences":[{"text":"Mhmm.","start":244.43001,"end":244.93001,"sentiment":"neutral","sentiment_score":0.0005496286321431398}],"sentiment":"neutral","sentiment_score":0.0005496286321431398,"channel":1,"num_words":1,"start":244.43001,"end":244.93001},{"sentences":[{"text":"attachments just like standard PDF attachments like any","start":244.87,"end":247.59,"sentiment":"neutral","sentiment_score":-0.0015293163596652448}],"sentiment":"neutral","sentiment_score":-0.0015293163596652448,"channel":0,"num_words":8,"start":244.87,"end":247.59},{"sentences":[{"text":"Oh, yeah.","start":247.39,"end":247.87001,"sentiment":"neutral","sentiment_score":0.006116518517956138}],"sentiment":"neutral","sentiment_score":0.006116518517956138,"channel":1,"num_words":2,"start":247.39,"end":247.87001},{"sentences":[{"text":"other email.","start":247.59,"end":248.33,"sentiment":"neutral","sentiment_score":0.0044659406412392855}],"sentiment":"neutral","sentiment_score":0.0044659406412392855,"channel":0,"num_words":2,"start":247.59,"end":248.33},{"sentences":[{"text":"Right at the bottom.","start":247.87001,"end":248.51001,"sentiment":"neutral","sentiment_score":0.012794466689229012},{"text":"Yeah.","start":248.51001,"end":248.75,"sentiment":"neutral","sentiment_score":0.014112080447375774},{"text":"Yeah.","start":248.75,"end":248.99,"sentiment":"neutral","sentiment_score":0.017619233578443527},{"text":"Yep.","start":248.99,"end":249.39,"sentiment":"neutral","sentiment_score":0.026177313178777695},{"text":"So which one am I looking at?","start":249.39,"end":250.85,"sentiment":"neutral","sentiment_score":0.020727909303137233}],"sentiment":"neutral","sentiment_score":0.01815584707739098,"channel":1,"num_words":14,"start":247.87001,"end":250.85},{"sentences":[{"text":"Yep.","start":250.565,"end":251.065,"sentiment":"neutral","sentiment_score":0.056807663291692734},{"text":"It's the super and insurance summary.","start":251.685,"end":254.265,"sentiment":"neutral","sentiment_score":0.0953802118698756}],"sentiment":"neutral","sentiment_score":0.08986984778727804,"channel":0,"num_words":7,"start":250.565,"end":254.265},{"sentences":[{"text":"Okay.","start":254.99,"end":255.23001,"sentiment":"neutral","sentiment_score":0.10708735883235931},{"text":"Yep.","start":255.23001,"end":255.525,"sentiment":"neutral","sentiment_score":0.14777277410030365}],"sentiment":"neutral","sentiment_score":0.12743006646633148,"channel":1,"num_words":2,"start":254.99,"end":255.525},{"sentences":[{"text":"Perfect.","start":257.285,"end":257.605,"sentiment":"positive","sentiment_score":0.42972874641418457},{"text":"Just let me know when you can see all that there.","start":257.605,"end":259.045,"sentiment":"neutral","sentiment_score":0.21065008504824204},{"text":"It should have your Netwealthy Colonial and the attached insurances listed on this.","start":259.045,"end":264.265,"sentiment":"neutral","sentiment_score":0.15044290113907594}],"sentiment":"neutral","sentiment_score":0.18810549587011338,"channel":0,"num_words":25,"start":257.285,"end":264.265},{"sentences":[{"text":"Yep.","start":274.8,"end":275.12,"sentiment":"neutral","sentiment_score":0.06105610728263855},{"text":"One second.","start":275.12,"end":275.86,"sentiment":"neutral","sentiment_score":0.046695636585354805}],"sentiment":"neutral","sentiment_score":0.05148246015111605,"channel":1,"num_words":3,"start":274.8,"end":275.86},{"sentences":[{"text":"No worries at all.","start":277.465,"end":278.605,"sentiment":"neutral","sentiment_score":0.08901805616915226}],"sentiment":"neutral","sentiment_score":0.08901805616915226,"channel":0,"num_words":4,"start":277.465,"end":278.605},{"sentences":[{"text":"Okay.","start":285.315,"end":285.715,"sentiment":"neutral","sentiment_score":0.11734744161367416},{"text":"Yep.","start":285.715,"end":286.215,"sentiment":"neutral","sentiment_score":0.16222430765628815}],"sentiment":"neutral","sentiment_score":0.13978587463498116,"channel":1,"num_words":2,"start":285.315,"end":286.215},{"sentences":[{"text":"Perfect.","start":287.465,"end":287.865,"sentiment":"positive","sentiment_score":0.4313783645629883},{"text":"Perfect.","start":287.865,"end":288.265,"sentiment":"positive","sentiment_score":0.3980149030685425},{"text":"So what I'm basically looking at today is we've got the Netwealth super hundred '63, hundred and sixty four thousand.","start":288.265,"end":294.28,"sentiment":"neutral","sentiment_score":0.11197031550109386},{"text":"It's obviously bouncing around quite frequently.","start":294.28,"end":296.30002,"sentiment":"neutral","sentiment_score":0.169296532869339},{"text":"Colonial sort of jumped up a little bit since the last time we checked.","start":296.76,"end":300.22,"sentiment":"neutral","sentiment_score":0.1376099538590227}],"sentiment":"neutral","sentiment_score":0.1431218602118038,"channel":0,"num_words":42,"start":287.465,"end":300.22},{"sentences":[{"text":"And","start":300.52002,"end":300.92,"sentiment":"neutral","sentiment_score":0.0837228000164032}],"sentiment":"neutral","sentiment_score":0.0837228000164032,"channel":0,"num_words":1,"start":300.52002,"end":300.92},{"sentences":[{"text":"Yeah.","start":300.77,"end":301.27,"sentiment":"neutral","sentiment_score":0.08912559598684311}],"sentiment":"neutral","sentiment_score":0.08912559598684311,"channel":1,"num_words":1,"start":300.77,"end":301.27},{"sentences":[{"text":"you've got the life of TPD, the income protection, which was through CommonSure attached through the Colonial account.","start":300.92,"end":307.595,"sentiment":"neutral","sentiment_score":0.1023396650950114},{"text":"Does all that ring a bell?","start":307.595,"end":308.895,"sentiment":"neutral","sentiment_score":0.057303166637818016}],"sentiment":"neutral","sentiment_score":0.09108054048071305,"channel":0,"num_words":24,"start":300.92,"end":308.895},{"sentences":[{"text":"Yep.","start":309.25,"end":309.705,"sentiment":"neutral","sentiment_score":0.12008345127105712}],"sentiment":"neutral","sentiment_score":0.12008345127105712,"channel":1,"num_words":1,"start":309.25,"end":309.705},{"sentences":[{"text":"Beautiful.","start":310.795,"end":311.295,"sentiment":"positive","sentiment_score":0.3462943136692047},{"text":"Mate, have you been logging into your server to see how it's been going the last six months?","start":311.51498,"end":315.29498,"sentiment":"neutral","sentiment_score":0.07892996155553395}],"sentiment":"neutral","sentiment_score":0.09300176956151661,"channel":0,"num_words":19,"start":310.795,"end":315.29498},{"sentences":[{"text":"To be honest, that's one thing I probably missed.","start":315.705,"end":317.88498,"sentiment":"neutral","sentiment_score":-0.11522298223442501},{"text":"The last six months for sure.","start":318.425,"end":319.78497,"sentiment":"neutral","sentiment_score":-0.08420622659226258},{"text":"Yep.","start":319.78497,"end":320.10498,"sentiment":"neutral","sentiment_score":-0.033645518124103546},{"text":"But I have kind of got it in","start":320.10498,"end":321.145,"sentiment":"neutral","sentiment_score":-0.09805793594568968}],"sentiment":"neutral","sentiment_score":-0.09834805022304256,"channel":1,"num_words":24,"start":315.705,"end":321.145},{"sentences":[{"text":"No.","start":321.13,"end":321.63,"sentiment":"neutral","sentiment_score":-0.27347642183303833}],"sentiment":"neutral","sentiment_score":-0.27347642183303833,"channel":0,"num_words":1,"start":321.13,"end":321.63},{"sentences":[{"text":"the back of my mind.","start":321.145,"end":321.94498,"sentiment":"neutral","sentiment_score":-0.3013775646686554},{"text":"I'm not sure that you can't be performing that well, but yeah.","start":321.94498,"end":324.21,"sentiment":"neutral","sentiment_score":-0.2767304368317127},{"text":"Yeah.","start":324.21,"end":324.71,"sentiment":"neutral","sentiment_score":-0.11912764608860016}],"sentiment":"neutral","sentiment_score":-0.2748211506340239,"channel":1,"num_words":18,"start":321.145,"end":324.71},{"sentences":[{"text":"Yeah.","start":325.29,"end":325.69,"sentiment":"neutral","sentiment_score":-0.13020633161067963},{"text":"No.","start":325.69,"end":326.19,"sentiment":"neutral","sentiment_score":-0.23165513575077057},{"text":"Basically, it's it's been flat for the year.","start":326.25,"end":328.725,"sentiment":"neutral","sentiment_score":-0.27605121955275536},{"text":"What ended up happening was as soon as February, March hit, all the stocks went down, and then","start":329.36502,"end":334.805,"sentiment":"neutral","sentiment_score":-0.1664806968635983}],"sentiment":"neutral","sentiment_score":-0.19881870597600937,"channel":0,"num_words":28,"start":325.29,"end":334.805},{"sentences":[{"text":"Yeah.","start":334.61,"end":335.11,"sentiment":"neutral","sentiment_score":-0.104105643928051}],"sentiment":"neutral","sentiment_score":-0.104105643928051,"channel":1,"num_words":1,"start":334.61,"end":335.11},{"sentences":[{"text":"it bounced back a little bit the last couple of months, actually pretty quickly.","start":334.805,"end":338.185,"sentiment":"neutral","sentiment_score":-0.06029451292540346},{"text":"But","start":338.64502,"end":339.14502,"sentiment":"neutral","sentiment_score":-0.0512968972325325}],"sentiment":"neutral","sentiment_score":-0.05969467187921206,"channel":0,"num_words":15,"start":334.805,"end":339.14502},{"sentences":[{"text":"Yeah.","start":338.69,"end":339.165,"sentiment":"neutral","sentiment_score":-0.04833076149225235}],"sentiment":"neutral","sentiment_score":-0.04833076149225235,"channel":1,"num_words":1,"start":338.69,"end":339.165},{"sentences":[{"text":"you're basically still sitting at about similar balance to you were twelve months ago after all the growth from the previous years as well.","start":340.005,"end":348.04,"sentiment":"neutral","sentiment_score":-0.028627803393950064}],"sentiment":"neutral","sentiment_score":-0.028627803393950064,"channel":0,"num_words":24,"start":340.005,"end":348.04},{"sentences":[{"text":"Yeah.","start":348.685,"end":349.185,"sentiment":"neutral","sentiment_score":0.013798192143440248}],"sentiment":"neutral","sentiment_score":0.013798192143440248,"channel":1,"num_words":1,"start":348.685,"end":349.185},{"sentences":[{"text":"So couple of things I wanted to broach with you today, actually three things in particular.","start":348.82,"end":353.72,"sentiment":"neutral","sentiment_score":0.04161730664782226},{"text":"First one is I'm looking at your Netwealth performance report.","start":354.42,"end":358.595,"sentiment":"neutral","sentiment_score":0.037397578603122386},{"text":"Do you mind","start":359.055,"end":359.615,"sentiment":"neutral","sentiment_score":0.04648549978931745}],"sentiment":"neutral","sentiment_score":0.04066583419877008,"channel":0,"num_words":29,"start":348.82,"end":359.615},{"sentences":[{"text":"Yep.","start":359.35,"end":359.85,"sentiment":"neutral","sentiment_score":0.10497277975082396}],"sentiment":"neutral","sentiment_score":0.10497277975082396,"channel":1,"num_words":1,"start":359.35,"end":359.85},{"sentences":[{"text":"opening that document up for me as well?","start":359.615,"end":361.69498,"sentiment":"neutral","sentiment_score":0.10774291958659887},{"text":"Because I wanna just break it down a little bit for you.","start":361.69498,"end":364.19498,"sentiment":"neutral","sentiment_score":0.17031450880070528}],"sentiment":"neutral","sentiment_score":0.14528587311506272,"channel":0,"num_words":20,"start":359.615,"end":364.19498},{"sentences":[{"text":"Okay.","start":365.59003,"end":366.09003,"sentiment":"neutral","sentiment_score":0.1262199878692627},{"text":"So NetWell super asset performance detail.","start":368.335,"end":370.655,"sentiment":"neutral","sentiment_score":0.20179136221607527},{"text":"Yeah?","start":370.655,"end":371.155,"sentiment":"neutral","sentiment_score":0.16794857382774353}],"sentiment":"neutral","sentiment_score":0.18811459187418222,"channel":1,"num_words":8,"start":365.59003,"end":371.155},{"sentences":[{"text":"Yep.","start":371.63,"end":371.95,"sentiment":"neutral","sentiment_score":0.2554776668548584},{"text":"That's the one.","start":371.95,"end":372.43,"sentiment":"positive","sentiment_score":0.36792441209157306},{"text":"You should see a lovely blue table smattered with about 50 different numbers and figures all over.","start":372.43,"end":378.13,"sentiment":"positive","sentiment_score":0.4688371542622061}],"sentiment":"positive","sentiment_score":0.4442610726470039,"channel":0,"num_words":21,"start":371.63,"end":378.13},{"sentences":[{"text":"Yep.","start":380.495,"end":380.91,"sentiment":"neutral","sentiment_score":0.17261895537376404}],"sentiment":"neutral","sentiment_score":0.17261895537376404,"channel":1,"num_words":1,"start":380.495,"end":380.91},{"sentences":[{"text":"So left hand side is the different investment options.","start":382.125,"end":385.10498,"sentiment":"neutral","sentiment_score":0.12195690721273422},{"text":"Right hand side is the percentage returns.","start":385.32498,"end":387.66498,"sentiment":"neutral","sentiment_score":0.12900078935282572},{"text":"So, basically, wind back one step, we're in a pretty high growth portfolio.","start":388.84497,"end":394.35,"sentiment":"neutral","sentiment_score":0.2375736626294943},{"text":"Most of your super across both accounts is all","start":394.65,"end":396.97,"sentiment":"neutral","sentiment_score":0.25142179760668015}],"sentiment":"neutral","sentiment_score":0.19347030218494565,"channel":0,"num_words":38,"start":382.125,"end":396.97},{"sentences":[{"text":"Yep.","start":396.92502,"end":397.42502,"sentiment":"neutral","sentiment_score":0.20338618755340576}],"sentiment":"neutral","sentiment_score":0.20338618755340576,"channel":1,"num_words":1,"start":396.92502,"end":397.42502},{"sentences":[{"text":"in growth assets.","start":396.97,"end":398.03,"sentiment":"neutral","sentiment_score":0.20601003368695578},{"text":"There's property gold, all that kind of thing.","start":398.25,"end":400.75,"sentiment":"neutral","sentiment_score":0.1747348252683878},{"text":"You have","start":400.81,"end":401.47,"sentiment":"neutral","sentiment_score":0.2009989097714424}],"sentiment":"neutral","sentiment_score":0.18599280944237342,"channel":0,"num_words":13,"start":396.97,"end":401.47},{"sentences":[{"text":"Yep.","start":401.325,"end":401.825,"sentiment":"neutral","sentiment_score":0.17370539903640747}],"sentiment":"neutral","sentiment_score":0.17370539903640747,"channel":1,"num_words":1,"start":401.325,"end":401.825},{"sentences":[{"text":"nothing in defensive assets except for the minimum cash that you're required to hold.","start":401.85,"end":406.17,"sentiment":"neutral","sentiment_score":0.10141168268663543},{"text":"Does that make sense?","start":406.17,"end":407.23,"sentiment":"neutral","sentiment_score":0.11025574058294296},{"text":"Yep.","start":409.27502,"end":409.77502,"sentiment":"neutral","sentiment_score":0.2103637456893921},{"text":"Actually, across the board, pretty strong performance from pretty much every single option except for one.","start":410.39502,"end":416.815,"sentiment":"positive","sentiment_score":0.5267220102250576},{"text":"So the gold's still up quite a bit.","start":416.875,"end":418.795,"sentiment":"positive","sentiment_score":0.4171066880226135}],"sentiment":"neutral","sentiment_score":0.3217571147306021,"channel":0,"num_words":43,"start":401.85,"end":418.795},{"sentences":[{"text":"All of the international shares across the different sectors are up double digits, except the old cybersecurity is only up 5%, but that's kind of like a way for the AI thing to kick in before people start buying into that.","start":418.795,"end":430.61002,"sentiment":"neutral","sentiment_score":0.22229306654232303},{"text":"But","start":430.91,"end":431.15002,"sentiment":"neutral","sentiment_score":0.02854837477207184}],"sentiment":"neutral","sentiment_score":0.2176800976906504,"channel":0,"num_words":42,"start":418.795,"end":431.15002},{"sentences":[{"text":"Mhmm.","start":430.95502,"end":431.195,"sentiment":"neutral","sentiment_score":-0.00337371788918972}],"sentiment":"neutral","sentiment_score":-0.00337371788918972,"channel":1,"num_words":1,"start":430.95502,"end":431.195},{"sentences":[{"text":"the","start":431.15002,"end":431.23,"sentiment":"neutral","sentiment_score":-0.016819164156913757}],"sentiment":"neutral","sentiment_score":-0.016819164156913757,"channel":0,"num_words":1,"start":431.15002,"end":431.23},{"sentences":[{"text":"Yep.","start":431.195,"end":431.695,"sentiment":"neutral","sentiment_score":-0.013402089476585388}],"sentiment":"neutral","sentiment_score":-0.013402089476585388,"channel":1,"num_words":1,"start":431.195,"end":431.695},{"sentences":[{"text":"one that's dragged it down the most is that can you see in the middle under Australian equity, Benelon","start":431.23,"end":437.205,"sentiment":"neutral","sentiment_score":-0.07290959162147422}],"sentiment":"neutral","sentiment_score":-0.07290959162147422,"channel":0,"num_words":19,"start":431.23,"end":437.205},{"sentences":[{"text":"Mhmm.","start":437.355,"end":437.82,"sentiment":"neutral","sentiment_score":-0.004830304533243179}],"sentiment":"neutral","sentiment_score":-0.004830304533243179,"channel":1,"num_words":1,"start":437.355,"end":437.82},{"sentences":[{"text":"Australian Equities Fund?","start":437.425,"end":439.04498,"sentiment":"neutral","sentiment_score":0.0017928058902422588}],"sentiment":"neutral","sentiment_score":0.0017928058902422588,"channel":0,"num_words":3,"start":437.425,"end":439.04498},{"sentences":[{"text":"Oh, yeah.","start":440.86002,"end":441.44,"sentiment":"neutral","sentiment_score":-0.018217889592051506}],"sentiment":"neutral","sentiment_score":-0.018217889592051506,"channel":1,"num_words":2,"start":440.86002,"end":441.44},{"sentences":[{"text":"Yep.","start":441.985,"end":442.465,"sentiment":"neutral","sentiment_score":-0.0013598043005913496},{"text":"So that's the one that dropped the most, 17% drop there.","start":442.465,"end":446.54498,"sentiment":"neutral","sentiment_score":-0.20099368420514194},{"text":"That was a pretty big chunk of the silver.","start":446.54498,"end":448.465,"sentiment":"neutral","sentiment_score":-0.14380339450306362},{"text":"That's your Australian shares.","start":448.465,"end":450.085,"sentiment":"neutral","sentiment_score":-0.009019304357934743},{"text":"Do you remember getting in March an email from us called a record of advice or an ROA?","start":450.95,"end":457.61002,"sentiment":"neutral","sentiment_score":-0.03808540633569161}],"sentiment":"neutral","sentiment_score":-0.09832873052462589,"channel":0,"num_words":43,"start":441.985,"end":457.61002},{"sentences":[{"text":"To be honest with that, but yeah.","start":460.275,"end":462.225,"sentiment":"neutral","sentiment_score":-0.06657785496541432}],"sentiment":"neutral","sentiment_score":-0.06657785496541432,"channel":1,"num_words":7,"start":460.275,"end":462.225},{"sentences":[{"text":"So,","start":463.285,"end":463.445,"sentiment":"neutral","sentiment_score":0.0006663184612989426}],"sentiment":"neutral","sentiment_score":0.0006663184612989426,"channel":0,"num_words":1,"start":463.285,"end":463.445},{"sentences":[{"text":"Okay.","start":463.4,"end":463.9,"sentiment":"neutral","sentiment_score":0.00633973628282547}],"sentiment":"neutral","sentiment_score":0.00633973628282547,"channel":1,"num_words":1,"start":463.4,"end":463.9},{"sentences":[{"text":"basically, what happens was most of the time when we do a review, I go through the portfolio, see if I need to update any options, that kind of thing, and we would","start":463.445,"end":472.085,"sentiment":"neutral","sentiment_score":-0.018713362063422348}],"sentiment":"neutral","sentiment_score":-0.018713362063422348,"channel":0,"num_words":33,"start":463.445,"end":472.085},{"sentences":[{"text":"Mhmm.","start":471.88,"end":472.38,"sentiment":"neutral","sentiment_score":0.01340712420642376}],"sentiment":"neutral","sentiment_score":0.01340712420642376,"channel":1,"num_words":1,"start":471.88,"end":472.38},{"sentences":[{"text":"send you, like, an updated statement of advice to get you to sign off on the changes.","start":472.085,"end":476.345,"sentiment":"neutral","sentiment_score":-0.014438667279832503},{"text":"In","start":477.52002,"end":477.68002,"sentiment":"neutral","sentiment_score":-0.1080045998096466}],"sentiment":"neutral","sentiment_score":-0.019636774642599955,"channel":0,"num_words":18,"start":472.085,"end":477.68002},{"sentences":[{"text":"Mhmm.","start":477.64,"end":478.065,"sentiment":"neutral","sentiment_score":-0.08993203938007355}],"sentiment":"neutral","sentiment_score":-0.08993203938007355,"channel":1,"num_words":1,"start":477.64,"end":478.065},{"sentences":[{"text":"this one particular case, this Benelon option started shooting down a lot quicker than all the other Australian shares options that are out there.","start":477.68002,"end":486.74002,"sentiment":"neutral","sentiment_score":-0.3224727138876915},{"text":"So","start":487.04,"end":487.54,"sentiment":"neutral","sentiment_score":-0.08500667661428452}],"sentiment":"neutral","sentiment_score":-0.31297407239675523,"channel":0,"num_words":25,"start":477.68002,"end":487.54},{"sentences":[{"text":"Mhmm.","start":487.425,"end":487.925,"sentiment":"neutral","sentiment_score":-0.07496087998151779}],"sentiment":"neutral","sentiment_score":-0.07496087998151779,"channel":1,"num_words":1,"start":487.425,"end":487.925},{"sentences":[{"text":"we made a decision across the entire client base at a life level to replace that one for all clients straight away.","start":487.68002,"end":495.125,"sentiment":"neutral","sentiment_score":0.28777221590280533},{"text":"And we basically sold that one off and moved you into the one that's underneath it, which is the beta shares 200 ETF, if you can see that","start":495.585,"end":503.905,"sentiment":"neutral","sentiment_score":0.23254885897040367}],"sentiment":"neutral","sentiment_score":0.2568471360206604,"channel":0,"num_words":50,"start":487.68002,"end":503.905},{"sentences":[{"text":"Yep.","start":503.84,"end":504.135,"sentiment":"neutral","sentiment_score":0.16314387321472168}],"sentiment":"neutral","sentiment_score":0.16314387321472168,"channel":1,"num_words":1,"start":503.84,"end":504.135},{"sentences":[{"text":"there.","start":503.905,"end":504.39,"sentiment":"neutral","sentiment_score":0.14467191696166992}],"sentiment":"neutral","sentiment_score":0.14467191696166992,"channel":0,"num_words":1,"start":503.905,"end":504.39},{"sentences":[{"text":"Yeah.","start":504.935,"end":505.435,"sentiment":"positive","sentiment_score":0.3364509344100952}],"sentiment":"positive","sentiment_score":0.3364509344100952,"channel":1,"num_words":1,"start":504.935,"end":505.435},{"sentences":[{"text":"So that's only been running since March, so it has picked up a couple of percent, which is good.","start":505.19,"end":509.69,"sentiment":"positive","sentiment_score":0.564239258828916},{"text":"But, basically, what that's done is you've switched from an active option to a passive option with a lot lower fees.","start":509.83002,"end":516.97003,"sentiment":"neutral","sentiment_score":0.2455032460746311}],"sentiment":"positive","sentiment_score":0.39690285213291643,"channel":0,"num_words":40,"start":505.19,"end":516.97003},{"sentences":[{"text":"Mhmm.","start":517.575,"end":517.815,"sentiment":"neutral","sentiment_score":0.13281016051769257}],"sentiment":"neutral","sentiment_score":0.13281016051769257,"channel":1,"num_words":1,"start":517.575,"end":517.815},{"sentences":[{"text":"Going","start":517.715,"end":518.03503,"sentiment":"neutral","sentiment_score":0.16717523336410522}],"sentiment":"neutral","sentiment_score":0.16717523336410522,"channel":0,"num_words":1,"start":517.715,"end":518.03503},{"sentences":[{"text":"Yeah.","start":517.815,"end":518.13,"sentiment":"neutral","sentiment_score":0.215741828083992}],"sentiment":"neutral","sentiment_score":0.215741828083992,"channel":1,"num_words":1,"start":517.815,"end":518.13},{"sentences":[{"text":"from about 1% fee to about 0.2, and the performance on that miles better over the last one, three, five years.","start":518.03503,"end":525.895,"sentiment":"positive","sentiment_score":0.4320937366712661},{"text":"So the first","start":527.635,"end":528.275,"sentiment":"neutral","sentiment_score":0.12375067919492722}],"sentiment":"positive","sentiment_score":0.3935508544867237,"channel":0,"num_words":24,"start":518.03503,"end":528.275},{"sentences":[{"text":"Okay.","start":528.05,"end":528.55,"sentiment":"neutral","sentiment_score":0.09262584894895554}],"sentiment":"neutral","sentiment_score":0.09262584894895554,"channel":1,"num_words":1,"start":528.05,"end":528.55},{"sentences":[{"text":"question I had for you was, are you generally okay with that kind of high growth risk level still in terms of goes up ten, twenty, 40%, market crashes, it goes down, and just keep on buying into the market long term to get the high returns?","start":528.275,"end":544.66,"sentiment":"neutral","sentiment_score":-0.022246730295901605},{"text":"Is that","start":545.33496,"end":545.995,"sentiment":"neutral","sentiment_score":-0.02363975439220667}],"sentiment":"neutral","sentiment_score":-0.0223035884222814,"channel":0,"num_words":49,"start":528.275,"end":545.995},{"sentences":[{"text":"Mhmm.","start":545.585,"end":545.94,"sentiment":"neutral","sentiment_score":-0.021580766886472705}],"sentiment":"neutral","sentiment_score":-0.021580766886472705,"channel":1,"num_words":1,"start":545.585,"end":545.94},{"sentences":[{"text":"an idea that you're still comfortable with?","start":546.21497,"end":548.075,"sentiment":"neutral","sentiment_score":-0.030356755746262416}],"sentiment":"neutral","sentiment_score":-0.030356755746262416,"channel":0,"num_words":7,"start":546.21497,"end":548.075},{"sentences":[{"text":"I think probably at this stage, I wouldn't yeah.","start":550.5,"end":556.98,"sentiment":"neutral","sentiment_score":-0.3139800760481093},{"text":"I don't think, you know, I don't wanna make any sort of drastic changes right now.","start":556.98,"end":560.6,"sentiment":"negative","sentiment_score":-0.41039017029106617}],"sentiment":"negative","sentiment_score":-0.37568253636360166,"channel":1,"num_words":25,"start":550.5,"end":560.6},{"sentences":[{"text":"Yep.","start":561.43,"end":561.93,"sentiment":"neutral","sentiment_score":-0.01188611052930355}],"sentiment":"neutral","sentiment_score":-0.01188611052930355,"channel":0,"num_words":1,"start":561.43,"end":561.93},{"sentences":[{"text":"Yeah.","start":562.475,"end":562.95496,"sentiment":"neutral","sentiment_score":-0.0043523870408535},{"text":"I mean, what are you what are your thoughts on that?","start":562.95496,"end":564.975,"sentiment":"neutral","sentiment_score":0.015939153730869293}],"sentiment":"neutral","sentiment_score":0.014248191999892393,"channel":1,"num_words":12,"start":562.475,"end":564.975},{"sentences":[{"text":"So generally speaking, if it depends on the retirement goal.","start":565.99,"end":569.67,"sentiment":"neutral","sentiment_score":-0.0038857877254486082},{"text":"Right?","start":569.67,"end":569.91,"sentiment":"neutral","sentiment_score":0.007597703486680984},{"text":"If you're trying to retire earlier with a higher balance, you've got to kind of grow up fast enough to have enough there to retire on.","start":569.91,"end":576.46497,"sentiment":"neutral","sentiment_score":0.027190543460444763},{"text":"But you don't wanna be sitting there in a high risk level, and you're 64 and the market wipes throughout just before you ever retire.","start":576.46497,"end":584.08496,"sentiment":"neutral","sentiment_score":-0.1372488909959793}],"sentiment":"neutral","sentiment_score":-0.044444005140253616,"channel":0,"num_words":62,"start":565.99,"end":584.08496},{"sentences":[{"text":"Yeah.","start":585.07,"end":585.57,"sentiment":"neutral","sentiment_score":0.004910498857498169}],"sentiment":"neutral","sentiment_score":0.004910498857498169,"channel":1,"num_words":1,"start":585.07,"end":585.57},{"sentences":[{"text":"So it depends on, I guess, like, time frames and the retirement goal.","start":586.35,"end":591.01,"sentiment":"neutral","sentiment_score":0.02671790008361523},{"text":"So for you, you still got a pretty good time frame behind you.","start":591.23,"end":595.89,"sentiment":"neutral","sentiment_score":0.12952611595392227},{"text":"Basically, are you looking to, you know, retire as early as possible at 60 when you can access this so far?","start":596.685,"end":603.405,"sentiment":"neutral","sentiment_score":0.08151241959560485},{"text":"A goal a little bit slow and steady towards 67.","start":603.405,"end":606.525,"sentiment":"neutral","sentiment_score":-0.0294167036190629},{"text":"Where do you kinda lean between the two?","start":606.525,"end":608.54504,"sentiment":"neutral","sentiment_score":-0.06242874078452587}],"sentiment":"neutral","sentiment_score":0.045374400885059285,"channel":0,"num_words":65,"start":586.35,"end":608.54504},{"sentences":[{"text":"You know, I guess, everyone will wanna retire as early as possible.","start":608.79,"end":611.85,"sentiment":"neutral","sentiment_score":-0.038501650715867676},{"text":"Yeah.","start":613.43,"end":613.93,"sentiment":"neutral","sentiment_score":-0.06820879876613617}],"sentiment":"neutral","sentiment_score":-0.040786815950503715,"channel":1,"num_words":13,"start":608.79,"end":613.93},{"sentences":[{"text":"Like, win the lotto tomorrow, out of work sort of thing?","start":613.64996,"end":616.87,"sentiment":"neutral","sentiment_score":-0.10859348049218004}],"sentiment":"neutral","sentiment_score":-0.10859348049218004,"channel":0,"num_words":11,"start":613.64996,"end":616.87},{"sentences":[{"text":"Yeah.","start":617.725,"end":617.965,"sentiment":"neutral","sentiment_score":-0.03954796865582466},{"text":"Hope he wins the lotto tonight and be out of work.","start":617.965,"end":620.045,"sentiment":"neutral","sentiment_score":0.08558955720879814},{"text":"Yeah.","start":620.045,"end":620.365,"sentiment":"positive","sentiment_score":0.3990218937397003},{"text":"That'd be good.","start":620.365,"end":621.185,"sentiment":"positive","sentiment_score":0.6392634709676107}],"sentiment":"neutral","sentiment_score":0.20117184170521796,"channel":1,"num_words":16,"start":617.725,"end":621.185},{"sentences":[{"text":"That's the one.","start":621.665,"end":622.545,"sentiment":"positive","sentiment_score":0.4450925489266713},{"text":"Look.","start":622.545,"end":622.785,"sentiment":"neutral","sentiment_score":0.1484542191028595},{"text":"Funnily enough,","start":622.785,"end":623.665,"sentiment":"neutral","sentiment_score":0.1154228001832962}],"sentiment":"neutral","sentiment_score":0.28576291104157764,"channel":0,"num_words":6,"start":621.665,"end":623.665},{"sentences":[{"text":"Yeah.","start":623.325,"end":623.825,"sentiment":"neutral","sentiment_score":0.08237951993942261}],"sentiment":"neutral","sentiment_score":0.08237951993942261,"channel":1,"num_words":1,"start":623.325,"end":623.825},{"sentences":[{"text":"that question over my twelve years is at a fifty fifty answer where half the country says if I won the lotto, I'm out of the rat race, and the other half says I would know what to do with myself.","start":623.665,"end":635.16,"sentiment":"neutral","sentiment_score":0.007098705257947852},{"text":"I always wanna be doing something even if it's part time.","start":635.16,"end":638.37994,"sentiment":"neutral","sentiment_score":0.10403112457557158},{"text":"So I","start":638.6,"end":639.39996,"sentiment":"neutral","sentiment_score":0.03365127183496952}],"sentiment":"neutral","sentiment_score":0.027827626473649784,"channel":0,"num_words":54,"start":623.665,"end":639.39996},{"sentences":[{"text":"Yes.","start":639.37,"end":639.87,"sentiment":"neutral","sentiment_score":0.05658940598368645}],"sentiment":"neutral","sentiment_score":0.05658940598368645,"channel":1,"num_words":1,"start":639.37,"end":639.87},{"sentences":[{"text":"kind of use that as a bit of a gauge, but it is only enough fifty fifty.","start":639.39996,"end":643.25995,"sentiment":"neutral","sentiment_score":0.022395168266752186}],"sentiment":"neutral","sentiment_score":0.022395168266752186,"channel":0,"num_words":17,"start":639.39996,"end":643.25995},{"sentences":[{"text":"Yes.","start":644.09,"end":644.59,"sentiment":"neutral","sentiment_score":0.21645721793174744}],"sentiment":"neutral","sentiment_score":0.21645721793174744,"channel":1,"num_words":1,"start":644.09,"end":644.59},{"sentences":[{"text":"Now high growth is great for that.","start":645.72,"end":647.56,"sentiment":"positive","sentiment_score":0.5294440260955265},{"text":"So, basically, what the plan is with all these passive ETFs that we've got you in is it's pretty much buy regularly for the next, say, ten to fourteen years, get","start":647.56,"end":658.895,"sentiment":"neutral","sentiment_score":0.2601977500223344}],"sentiment":"neutral","sentiment_score":0.30979574824634354,"channel":0,"num_words":38,"start":645.72,"end":658.895},{"sentences":[{"text":"Yeah.","start":658.83,"end":659.33,"sentiment":"neutral","sentiment_score":0.13170142471790314}],"sentiment":"neutral","sentiment_score":0.13170142471790314,"channel":1,"num_words":1,"start":658.83,"end":659.33},{"sentences":[{"text":"the really high returns.","start":658.895,"end":660.03503,"sentiment":"neutral","sentiment_score":0.23234805464744568},{"text":"And then in","start":660.335,"end":660.895,"sentiment":"neutral","sentiment_score":0.13529542833566666}],"sentiment":"neutral","sentiment_score":0.19075407194239752,"channel":0,"num_words":7,"start":658.895,"end":660.895},{"sentences":[{"text":"Yep.","start":660.83,"end":661.33,"sentiment":"neutral","sentiment_score":0.10454563796520232}],"sentiment":"neutral","sentiment_score":0.10454563796520232,"channel":1,"num_words":1,"start":660.83,"end":661.33},{"sentences":[{"text":"the last six to nine years, we slowly reduce your asset allocation from a","start":660.895,"end":664.60504,"sentiment":"neutral","sentiment_score":0.03559306317142078}],"sentiment":"neutral","sentiment_score":0.03559306317142078,"channel":0,"num_words":14,"start":660.895,"end":664.60504},{"sentences":[{"text":"Yep.","start":665.79,"end":666.29,"sentiment":"neutral","sentiment_score":0.08799971640110016}],"sentiment":"neutral","sentiment_score":0.08799971640110016,"channel":1,"num_words":1,"start":665.79,"end":666.29},{"sentences":[{"text":"100% growth asset, ninety, eighty, seventy, sixty, fifty, forty, and there's your pension account from the '60.","start":665.83,"end":673.45,"sentiment":"neutral","sentiment_score":0.10211891659042414}],"sentiment":"neutral","sentiment_score":0.10211891659042414,"channel":0,"num_words":17,"start":665.83,"end":673.45},{"sentences":[{"text":"Yeah.","start":674.835,"end":675.335,"sentiment":"neutral","sentiment_score":0.05018583685159683}],"sentiment":"neutral","sentiment_score":0.05018583685159683,"channel":1,"num_words":1,"start":674.835,"end":675.335},{"sentences":[{"text":"K.","start":676.39,"end":676.71,"sentiment":"neutral","sentiment_score":0.05700908973813057},{"text":"So","start":676.71,"end":676.87,"sentiment":"neutral","sentiment_score":0.09328486025333405}],"sentiment":"neutral","sentiment_score":0.07514697499573231,"channel":0,"num_words":2,"start":676.39,"end":676.87},{"sentences":[{"text":"Okay.","start":676.755,"end":677.255,"sentiment":"neutral","sentiment_score":0.13789385557174683}],"sentiment":"neutral","sentiment_score":0.13789385557174683,"channel":1,"num_words":1,"start":676.755,"end":677.255},{"sentences":[{"text":"that's the general idea that gets you the kind of best outcome because you've got 6 figure income with good contributions, got best investments long term.","start":676.87,"end":686.575,"sentiment":"neutral","sentiment_score":0.25640466809272766},{"text":"But then at some point, once you've got that million dollars, we then start to protect it.","start":686.795,"end":690.975,"sentiment":"neutral","sentiment_score":0.08195422567865428}],"sentiment":"neutral","sentiment_score":0.1874358885336754,"channel":0,"num_words":43,"start":676.87,"end":690.975},{"sentences":[{"text":"Yes.","start":692.46,"end":692.96,"sentiment":"neutral","sentiment_score":0.07389936596155167}],"sentiment":"neutral","sentiment_score":0.07389936596155167,"channel":1,"num_words":1,"start":692.46,"end":692.96},{"sentences":[{"text":"K?","start":694.09,"end":694.59,"sentiment":"neutral","sentiment_score":0.06103367730975151}],"sentiment":"neutral","sentiment_score":0.06103367730975151,"channel":0,"num_words":1,"start":694.09,"end":694.59},{"sentences":[{"text":"Okay.","start":694.46,"end":694.96,"sentiment":"neutral","sentiment_score":0.17958544194698334}],"sentiment":"neutral","sentiment_score":0.17958544194698334,"channel":1,"num_words":1,"start":694.46,"end":694.96},{"sentences":[{"text":"Now what my advice would be at the moment, the the the other two things I want to brag with you, is when I look at the portfolio with that one option being switched out, overall, it looks really good.","start":694.89,"end":706.485,"sentiment":"neutral","sentiment_score":0.2541868332773447}],"sentiment":"neutral","sentiment_score":0.2541868332773447,"channel":0,"num_words":40,"start":694.89,"end":706.485},{"sentences":[{"text":"Yes.","start":707.27496,"end":707.77496,"sentiment":"neutral","sentiment_score":0.14767026901245117}],"sentiment":"neutral","sentiment_score":0.14767026901245117,"channel":1,"num_words":1,"start":707.27496,"end":707.77496},{"sentences":[{"text":"So that one thing kind of weighing you down recently, that's kind of been resolved.","start":707.445,"end":712.985,"sentiment":"neutral","sentiment_score":0.006797855595747629},{"text":"And when I look across all the options, there's nothing that really concerns me or I think it's like a an alarm bell to switch at this point.","start":713.125,"end":719.76,"sentiment":"neutral","sentiment_score":-0.0734760919585824}],"sentiment":"neutral","sentiment_score":-0.04547355211404867,"channel":0,"num_words":43,"start":707.445,"end":719.76},{"sentences":[{"text":"So, basically, if it wasn't for that, we would have been up by about 10,000 to 11,000.","start":721.06,"end":726.28,"sentiment":"neutral","sentiment_score":0.03919828518786851},{"text":"Because at the","start":726.815,"end":727.135,"sentiment":"neutral","sentiment_score":-0.03601566329598427}],"sentiment":"neutral","sentiment_score":0.027916192915290593,"channel":1,"num_words":20,"start":721.06,"end":727.135},{"sentences":[{"text":"Pretty","start":727.12,"end":727.44,"sentiment":"neutral","sentiment_score":-0.02930949628353119}],"sentiment":"neutral","sentiment_score":-0.02930949628353119,"channel":0,"num_words":1,"start":727.12,"end":727.44},{"sentences":[{"text":"moment, it's","start":727.135,"end":727.615,"sentiment":"neutral","sentiment_score":-0.06674929521977901}],"sentiment":"neutral","sentiment_score":-0.06674929521977901,"channel":1,"num_words":2,"start":727.135,"end":727.615},{"sentences":[{"text":"much.","start":727.44,"end":727.94,"sentiment":"neutral","sentiment_score":-0.06791425496339798}],"sentiment":"neutral","sentiment_score":-0.06791425496339798,"channel":0,"num_words":1,"start":727.44,"end":727.94},{"sentences":[{"text":"basically just a breakeven.","start":727.615,"end":728.675,"sentiment":"neutral","sentiment_score":-0.08751274645328522},{"text":"Right?","start":728.735,"end":729.235,"sentiment":"neutral","sentiment_score":-0.0029649417847394943}],"sentiment":"neutral","sentiment_score":-0.07060318551957608,"channel":1,"num_words":5,"start":727.615,"end":729.235},{"sentences":[{"text":"Yeah.","start":730.0,"end":730.4,"sentiment":"neutral","sentiment_score":0.027501080185174945},{"text":"That's right.","start":730.4,"end":731.22003,"sentiment":"neutral","sentiment_score":0.08913552761077881}],"sentiment":"neutral","sentiment_score":0.06859071180224419,"channel":0,"num_words":3,"start":730.0,"end":731.22003},{"sentences":[{"text":"Yeah.","start":731.855,"end":732.355,"sentiment":"neutral","sentiment_score":0.02724835090339184},{"text":"Okay.","start":734.095,"end":734.575,"sentiment":"neutral","sentiment_score":-0.003429234027862549},{"text":"And so why wasn't the decision made earlier to switch?","start":734.575,"end":737.15497,"sentiment":"neutral","sentiment_score":-0.14914186224341391}],"sentiment":"neutral","sentiment_score":-0.12229995879655083,"channel":1,"num_words":12,"start":731.855,"end":737.15497},{"sentences":[{"text":"Basically, these things take a couple of months to happen.","start":738.73505,"end":741.79504,"sentiment":"neutral","sentiment_score":-0.1431245855987072},{"text":"So","start":742.09503,"end":742.575,"sentiment":"neutral","sentiment_score":-0.051747530698776245}],"sentiment":"neutral","sentiment_score":-0.13481758060780438,"channel":0,"num_words":11,"start":738.73505,"end":742.575},{"sentences":[{"text":"Yeah.","start":742.42,"end":742.92,"sentiment":"neutral","sentiment_score":-0.05576171725988388}],"sentiment":"neutral","sentiment_score":-0.05576171725988388,"channel":1,"num_words":1,"start":742.42,"end":742.92},{"sentences":[{"text":"as that thing is happening, we flag it as a team, goes to our investment committee.","start":742.575,"end":747.71,"sentiment":"neutral","sentiment_score":-0.016140208463184536},{"text":"They go under the hood and go, is this something that's likely to bounce back like normal?","start":747.71,"end":752.29004,"sentiment":"neutral","sentiment_score":-0.12111065580564387},{"text":"And only twice in my entire career have we ever looked at an option and gone, it's not gonna bounce back.","start":752.67,"end":759.41003,"sentiment":"negative","sentiment_score":-0.3617984851201375},{"text":"And that's because","start":759.71497,"end":760.515,"sentiment":"neutral","sentiment_score":-0.08995084961255391}],"sentiment":"neutral","sentiment_score":-0.17867974070995524,"channel":0,"num_words":57,"start":742.575,"end":760.515},{"sentences":[{"text":"Yeah.","start":760.195,"end":760.695,"sentiment":"neutral","sentiment_score":-0.13626405596733093}],"sentiment":"neutral","sentiment_score":-0.13626405596733093,"channel":1,"num_words":1,"start":760.195,"end":760.695},{"sentences":[{"text":"the bed along fund is actually at a point they're probably gonna wind up and close down in the next year or two.","start":760.515,"end":766.695,"sentiment":"neutral","sentiment_score":-0.19865290723417117}],"sentiment":"neutral","sentiment_score":-0.19865290723417117,"channel":0,"num_words":23,"start":760.515,"end":766.695},{"sentences":[{"text":"Yeah.","start":767.395,"end":767.635,"sentiment":"neutral","sentiment_score":0.0026751533150672913},{"text":"Okay.","start":767.635,"end":768.135,"sentiment":"neutral","sentiment_score":0.02425236254930496}],"sentiment":"neutral","sentiment_score":0.013463757932186125,"channel":1,"num_words":2,"start":767.395,"end":768.135},{"sentences":[{"text":"Most of the time, I just go look buy in, buy the dip, let the market go down, buy some more shares and property for a cheaper price.","start":768.915,"end":774.695,"sentiment":"neutral","sentiment_score":0.14690146542021207},{"text":"When you go up, you get a 30% return, everybody's happy.","start":774.89,"end":777.87,"sentiment":"positive","sentiment_score":0.3583933250470595},{"text":"But every now and then you go, it's not doing what it should be doing.","start":778.09,"end":782.43,"sentiment":"neutral","sentiment_score":-0.2608152950803439}],"sentiment":"neutral","sentiment_score":0.07672848483478581,"channel":0,"num_words":54,"start":768.915,"end":782.43},{"sentences":[{"text":"Yeah.","start":783.12,"end":783.435,"sentiment":"neutral","sentiment_score":0.04099041223526001},{"text":"Okay.","start":783.995,"end":784.495,"sentiment":"neutral","sentiment_score":0.03433035686612129}],"sentiment":"neutral","sentiment_score":0.03766038455069065,"channel":1,"num_words":2,"start":783.12,"end":784.495},{"sentences":[{"text":"K?","start":785.61,"end":786.11,"sentiment":"neutral","sentiment_score":0.022635148838162426},{"text":"Now outside of that, though, the other two questions I wanted to broach with you is I like the portfolio.","start":786.25,"end":793.445,"sentiment":"neutral","sentiment_score":0.113790313154459},{"text":"Do you want me to look at any like, you've been in Netwealth for for almost six years now with O.","start":794.22504,"end":798.78503,"sentiment":"neutral","sentiment_score":0.06710600338521458},{"text":"Q.","start":798.78503,"end":799.025,"sentiment":"neutral","sentiment_score":0.03948345780372619},{"text":"Financial.","start":799.025,"end":799.525,"sentiment":"neutral","sentiment_score":0.028585923835635185}],"sentiment":"neutral","sentiment_score":0.08581220146945932,"channel":0,"num_words":44,"start":785.61,"end":799.525},{"sentences":[{"text":"Do you want me to look at any other super funds to try and find some with some low fees and switch around with a similar portfolio, or you're happy to","start":799.985,"end":808.2,"sentiment":"neutral","sentiment_score":0.09770218751603557}],"sentiment":"neutral","sentiment_score":0.09770218751603557,"channel":0,"num_words":31,"start":799.985,"end":808.2},{"sentences":[{"text":"Yep.","start":808.09,"end":808.395,"sentiment":"neutral","sentiment_score":0.1392754465341568}],"sentiment":"neutral","sentiment_score":0.1392754465341568,"channel":1,"num_words":1,"start":808.09,"end":808.395},{"sentences":[{"text":"kind of let this one kind of do its thing?","start":808.2,"end":810.38,"sentiment":"neutral","sentiment_score":0.11044420152902604}],"sentiment":"neutral","sentiment_score":0.11044420152902604,"channel":0,"num_words":10,"start":808.2,"end":810.38},{"sentences":[{"text":"Are there any others that are got a better portfolio in terms of less fees and stuff?","start":814.155,"end":820.255,"sentiment":"neutral","sentiment_score":0.08077103688436396},{"text":"Or","start":820.79504,"end":821.29504,"sentiment":"neutral","sentiment_score":0.07012824714183807}],"sentiment":"neutral","sentiment_score":0.08017977078755696,"channel":1,"num_words":18,"start":814.155,"end":821.29504},{"sentences":[{"text":"So there's a competitor to them, which has come up really strong recently I wanna consider for you.","start":821.005,"end":827.90497,"sentiment":"neutral","sentiment_score":0.14332743092543548},{"text":"And, basically, they've got the same amount of investment options, but they're","start":828.045,"end":832.42,"sentiment":"neutral","sentiment_score":0.10973990211884181}],"sentiment":"neutral","sentiment_score":0.12989241940279803,"channel":0,"num_words":30,"start":821.005,"end":832.42},{"sentences":[{"text":"mhmm.","start":832.30005,"end":832.80005,"sentiment":"neutral","sentiment_score":0.0802951380610466}],"sentiment":"neutral","sentiment_score":0.0802951380610466,"channel":1,"num_words":1,"start":832.30005,"end":832.80005},{"sentences":[{"text":"just a bit better on the administration fees for holding the account.","start":832.42,"end":835.62,"sentiment":"neutral","sentiment_score":0.10806039224068324},{"text":"So basically, what I would do, if you're okay, is just do a bit of a comparison, see if it's actually enough of a benefit to go through the admin to jump across,","start":835.62,"end":845.08,"sentiment":"neutral","sentiment_score":0.19302037719524268}],"sentiment":"neutral","sentiment_score":0.17036438120736017,"channel":0,"num_words":45,"start":832.42,"end":845.08},{"sentences":[{"text":"Yep.","start":845.755,"end":846.255,"sentiment":"neutral","sentiment_score":0.16640576720237732}],"sentiment":"neutral","sentiment_score":0.16640576720237732,"channel":1,"num_words":1,"start":845.755,"end":846.255},{"sentences":[{"text":"and see if there's anything else I can fix up on the portfolio","start":845.945,"end":848.925,"sentiment":"neutral","sentiment_score":0.17018945859028742}],"sentiment":"neutral","sentiment_score":0.17018945859028742,"channel":0,"num_words":13,"start":845.945,"end":848.925},{"sentences":[{"text":"Yes.","start":849.755,"end":850.255,"sentiment":"neutral","sentiment_score":0.2358904778957367}],"sentiment":"neutral","sentiment_score":0.2358904778957367,"channel":1,"num_words":1,"start":849.755,"end":850.255},{"sentences":[{"text":"if you're comfortable with me doing that.","start":850.105,"end":852.045,"sentiment":"neutral","sentiment_score":0.13411314891917364}],"sentiment":"neutral","sentiment_score":0.13411314891917364,"channel":0,"num_words":7,"start":850.105,"end":852.045},{"sentences":[{"text":"Yeah.","start":852.51,"end":853.01,"sentiment":"neutral","sentiment_score":0.03731672465801239},{"text":"No.","start":853.63,"end":853.87006,"sentiment":"neutral","sentiment_score":-0.08160273730754852},{"text":"I think maybe maybe that might be another question for, you know, question for next next annual review.","start":853.87006,"end":859.33,"sentiment":"neutral","sentiment_score":-0.06670058699738649},{"text":"I think at this","start":859.63,"end":860.51,"sentiment":"neutral","sentiment_score":0.08365548588335514}],"sentiment":"neutral","sentiment_score":-0.037928109794544675,"channel":1,"num_words":24,"start":852.51,"end":860.51},{"sentences":[{"text":"Yep.","start":860.32,"end":860.82,"sentiment":"neutral","sentiment_score":0.06995712220668793}],"sentiment":"neutral","sentiment_score":0.06995712220668793,"channel":0,"num_words":1,"start":860.32,"end":860.82},{"sentences":[{"text":"moment, we might leave it as it is.","start":860.51,"end":862.11005,"sentiment":"neutral","sentiment_score":0.09293562825769186},{"text":"Yeah.","start":862.11005,"end":862.59,"sentiment":"neutral","sentiment_score":0.1472478210926056},{"text":"Yeah.","start":862.59,"end":863.09,"sentiment":"neutral","sentiment_score":0.14937184751033783}],"sentiment":"neutral","sentiment_score":0.10401046946644783,"channel":1,"num_words":10,"start":860.51,"end":863.09},{"sentences":[{"text":"Okay.","start":863.28,"end":863.6,"sentiment":"neutral","sentiment_score":0.15291190147399902},{"text":"No.","start":863.6,"end":863.84,"sentiment":"neutral","sentiment_score":0.0854751318693161},{"text":"That's fine.","start":863.84,"end":864.16,"sentiment":"neutral","sentiment_score":0.2893824800848961},{"text":"And, look, there's nothing wrong with the the platform of Netwealth.","start":864.16,"end":867.38,"sentiment":"positive","sentiment_score":0.3526055094870654},{"text":"The feed is still competitive.","start":867.52,"end":868.74,"sentiment":"positive","sentiment_score":0.5408279299736023}],"sentiment":"positive","sentiment_score":0.3699976123869419,"channel":0,"num_words":20,"start":863.28,"end":868.74},{"sentences":[{"text":"The investment menu is still, you know, top five in the country.","start":868.88,"end":872.1,"sentiment":"positive","sentiment_score":0.45567690829435986},{"text":"It's just like if I wanna try and find the the extra 1% for you, I can go away and do that.","start":872.255,"end":878.035,"sentiment":"neutral","sentiment_score":0.1805768416009166}],"sentiment":"neutral","sentiment_score":0.27767098278683777,"channel":0,"num_words":34,"start":868.88,"end":878.035},{"sentences":[{"text":"Okay.","start":878.825,"end":879.12,"sentiment":"neutral","sentiment_score":0.23858481645584104},{"text":"Yeah.","start":879.44,"end":879.94,"sentiment":"positive","sentiment_score":0.3482826352119446}],"sentiment":"neutral","sentiment_score":0.2934337258338928,"channel":1,"num_words":2,"start":878.825,"end":879.94},{"sentences":[{"text":"Cool.","start":880.175,"end":880.675,"sentiment":"positive","sentiment_score":0.41190069913864136},{"text":"When when it comes to the Colonial account, so the usual strategy with this situation is you've got your insurance is sitting over there.","start":881.455,"end":888.75,"sentiment":"neutral","sentiment_score":0.12405121885240078},{"text":"We usually like to maintain about 10,000 to keep the the insurance in force and then move","start":888.97003,"end":894.81,"sentiment":"neutral","sentiment_score":0.15065712087294636}],"sentiment":"neutral","sentiment_score":0.14167383348657972,"channel":0,"num_words":42,"start":880.175,"end":894.81},{"sentences":[{"text":"Mhmm.","start":894.665,"end":895.165,"sentiment":"neutral","sentiment_score":0.11003933846950532}],"sentiment":"neutral","sentiment_score":0.11003933846950532,"channel":1,"num_words":1,"start":894.665,"end":895.165},{"sentences":[{"text":"funds across to invest into your your main funds.","start":894.81,"end":898.75,"sentiment":"neutral","sentiment_score":0.11653324713309605},{"text":"Are you still","start":899.145,"end":899.78503,"sentiment":"neutral","sentiment_score":0.06425096094608307}],"sentiment":"neutral","sentiment_score":0.10346267558634281,"channel":0,"num_words":12,"start":894.81,"end":899.78503},{"sentences":[{"text":"Yeah.","start":899.625,"end":900.125,"sentiment":"neutral","sentiment_score":0.11635813117027284}],"sentiment":"neutral","sentiment_score":0.11635813117027284,"channel":1,"num_words":1,"start":899.625,"end":900.125},{"sentences":[{"text":"okay with that idea for me to do a, like, a bit of a comparison between the two and look at a bit of a sweep across?","start":899.78503,"end":905.885,"sentiment":"neutral","sentiment_score":0.14308683932931335}],"sentiment":"neutral","sentiment_score":0.14308683932931335,"channel":0,"num_words":27,"start":899.78503,"end":905.885},{"sentences":[{"text":"I think, yes.","start":907.945,"end":909.20996,"sentiment":"neutral","sentiment_score":0.104859858751297},{"text":"I'd like to also understand in terms of now in Colonial, like, you'll be able to compare to see where I've lost in Colonial as well.","start":909.20996,"end":916.64996,"sentiment":"neutral","sentiment_score":0.09430387200644383},{"text":"Right?","start":916.64996,"end":917.14996,"sentiment":"neutral","sentiment_score":0.10994597524404526}],"sentiment":"neutral","sentiment_score":0.09588087412218253,"channel":1,"num_words":30,"start":907.945,"end":917.14996},{"sentences":[{"text":"Yeah.","start":918.13995,"end":918.45996,"sentiment":"neutral","sentiment_score":0.09825057536363602},{"text":"Yeah.","start":918.45996,"end":918.77997,"sentiment":"neutral","sentiment_score":0.0960441380739212},{"text":"We can basically go through and look at I do need a little bit","start":918.77997,"end":922.54,"sentiment":"neutral","sentiment_score":0.08520270298634257}],"sentiment":"neutral","sentiment_score":0.08669578470289707,"channel":0,"num_words":16,"start":918.13995,"end":922.54},{"sentences":[{"text":"Yep.","start":922.435,"end":922.935,"sentiment":"neutral","sentiment_score":0.05478145182132721}],"sentiment":"neutral","sentiment_score":0.05478145182132721,"channel":1,"num_words":1,"start":922.435,"end":922.935},{"sentences":[{"text":"of research on your client, actually.","start":922.54,"end":924.63995,"sentiment":"neutral","sentiment_score":0.06168275264402231},{"text":"But besides, once I've got the authority fixed up, I can","start":924.86,"end":928.45496,"sentiment":"neutral","sentiment_score":0.05795236101204699}],"sentiment":"neutral","sentiment_score":0.05926896982333239,"channel":0,"num_words":17,"start":922.54,"end":928.45496},{"sentences":[{"text":"Mhmm.","start":928.35504,"end":928.85504,"sentiment":"neutral","sentiment_score":0.06345438957214355}],"sentiment":"neutral","sentiment_score":0.06345438957214355,"channel":1,"num_words":1,"start":928.35504,"end":928.85504},{"sentences":[{"text":"break down the account, and we've got all the research tools to go under the hood and look at both funds","start":928.45496,"end":934.235,"sentiment":"neutral","sentiment_score":0.11261993717579614}],"sentiment":"neutral","sentiment_score":0.11261993717579614,"channel":0,"num_words":21,"start":928.45496,"end":934.235},{"sentences":[{"text":"Yeah.","start":934.03503,"end":934.53503,"sentiment":"neutral","sentiment_score":0.058096833527088165},{"text":"So I guess,","start":934.755,"end":935.61,"sentiment":"neutral","sentiment_score":0.030530113726854324}],"sentiment":"neutral","sentiment_score":0.037421793676912785,"channel":1,"num_words":4,"start":934.03503,"end":935.61},{"sentences":[{"text":"side by","start":935.415,"end":935.815,"sentiment":"neutral","sentiment_score":0.03989897482097149}],"sentiment":"neutral","sentiment_score":0.03989897482097149,"channel":0,"num_words":2,"start":935.415,"end":935.815},{"sentences":[{"text":"yeah,","start":935.69,"end":935.85,"sentiment":"neutral","sentiment_score":0.034989871084690094}],"sentiment":"neutral","sentiment_score":0.034989871084690094,"channel":1,"num_words":1,"start":935.69,"end":935.85},{"sentences":[{"text":"side.","start":935.815,"end":936.315,"sentiment":"neutral","sentiment_score":0.021460141986608505}],"sentiment":"neutral","sentiment_score":0.021460141986608505,"channel":0,"num_words":1,"start":935.815,"end":936.315},{"sentences":[{"text":"I guess it's yeah.","start":935.85,"end":937.05,"sentiment":"neutral","sentiment_score":0.021607699804008007},{"text":"I guess what would be better, good for me to understand is, you know, in terms of performance wise, on the two are colonial versus, you know, in terms of, like, what we're investing through Networld.","start":937.05,"end":947.31,"sentiment":"neutral","sentiment_score":0.03798310453486112},{"text":"How much was Netwealth better or how much was you know, is it Colonial?","start":948.695,"end":952.315,"sentiment":"neutral","sentiment_score":-0.04071639198809862},{"text":"What which one was better off for me for the last, you know, twelve months or so?","start":952.375,"end":957.195,"sentiment":"neutral","sentiment_score":-0.10846186429262161}],"sentiment":"neutral","sentiment_score":-0.013521952370942478,"channel":1,"num_words":71,"start":935.85,"end":957.195},{"sentences":[{"text":"Yeah.","start":958.245,"end":958.725,"sentiment":"neutral","sentiment_score":0.08691629767417908},{"text":"And I've got to give you a bit of a a dual comparison there because I can look back and go, this is the twelve months, but I'm also forward looking and saying which one's looking good going forward","start":958.725,"end":968.8,"sentiment":"neutral","sentiment_score":0.18137101313242546}],"sentiment":"neutral","sentiment_score":0.1790096452459693,"channel":0,"num_words":40,"start":958.245,"end":968.8},{"sentences":[{"text":"Yep.","start":968.99005,"end":969.49005,"sentiment":"neutral","sentiment_score":0.04523304849863053}],"sentiment":"neutral","sentiment_score":0.04523304849863053,"channel":1,"num_words":1,"start":968.99005,"end":969.49005},{"sentences":[{"text":"in terms of, you know, the switch that we just made a month until we got.","start":969.1,"end":972.56,"sentiment":"neutral","sentiment_score":-0.0029934600461274385}],"sentiment":"neutral","sentiment_score":-0.0029934600461274385,"channel":0,"num_words":16,"start":969.1,"end":972.56},{"sentences":[{"text":"Yeah.","start":972.83,"end":972.99005,"sentiment":"neutral","sentiment_score":0.03740176558494568},{"text":"Yeah.","start":972.99005,"end":973.23004,"sentiment":"neutral","sentiment_score":0.05412621796131134},{"text":"Okay.","start":973.23004,"end":973.63,"sentiment":"neutral","sentiment_score":0.09900566935539246},{"text":"Yep.","start":973.63,"end":974.13,"sentiment":"neutral","sentiment_score":0.2470090091228485}],"sentiment":"neutral","sentiment_score":0.1093856655061245,"channel":1,"num_words":4,"start":972.83,"end":974.13},{"sentences":[{"text":"Cool.","start":975.1,"end":975.6,"sentiment":"positive","sentiment_score":0.4847995340824127},{"text":"I'll do that comparison there.","start":976.06,"end":977.5,"sentiment":"neutral","sentiment_score":0.3243666887283325},{"text":"I was just having a look at our new system because I'm trying to make sure the data's accurate since it's come across.","start":977.5,"end":982.705,"sentiment":"neutral","sentiment_score":0.1757952405706696}],"sentiment":"neutral","sentiment_score":0.21206632796032676,"channel":0,"num_words":29,"start":975.1,"end":982.705},{"sentences":[{"text":"Yep.","start":983.335,"end":983.835,"sentiment":"neutral","sentiment_score":0.011479242704808712}],"sentiment":"neutral","sentiment_score":0.011479242704808712,"channel":1,"num_words":1,"start":983.335,"end":983.835},{"sentences":[{"text":"Basically, there was a bit of an issue with a spelling error on an email address for an authority for us to contact them.","start":983.885,"end":992.705,"sentiment":"neutral","sentiment_score":-0.22856792466094097},{"text":"And there","start":993.005,"end":993.725,"sentiment":"neutral","sentiment_score":-0.09989079460501671}],"sentiment":"neutral","sentiment_score":-0.21866968388740832,"channel":0,"num_words":26,"start":983.885,"end":993.725},{"sentences":[{"text":"Okay.","start":993.495,"end":993.93,"sentiment":"neutral","sentiment_score":-0.06612829864025116}],"sentiment":"neutral","sentiment_score":-0.06612829864025116,"channel":1,"num_words":1,"start":993.495,"end":993.93},{"sentences":[{"text":"was a note there that you were gonna call Colonial just to update the email address so it could match.","start":993.725,"end":999.16,"sentiment":"neutral","sentiment_score":-0.03676404748111963},{"text":"Does that ring a bell from, like, the last twelve months or so?","start":999.45996,"end":1002.01996,"sentiment":"neutral","sentiment_score":-0.07882556577141468},{"text":"Could it even been earlier?","start":1002.01996,"end":1003.32,"sentiment":"neutral","sentiment_score":-0.12216362357139587}],"sentiment":"neutral","sentiment_score":-0.06239030059230955,"channel":0,"num_words":38,"start":993.725,"end":1003.32},{"sentences":[{"text":"To be honest, no.","start":1003.69,"end":1004.91,"sentiment":"neutral","sentiment_score":-0.13351083174347878}],"sentiment":"neutral","sentiment_score":-0.13351083174347878,"channel":1,"num_words":4,"start":1003.69,"end":1004.91},{"sentences":[{"text":"That's","start":1006.74,"end":1006.98,"sentiment":"neutral","sentiment_score":-0.08876180648803711}],"sentiment":"neutral","sentiment_score":-0.08876180648803711,"channel":0,"num_words":1,"start":1006.74,"end":1006.98},{"sentences":[{"text":"Yeah.","start":1006.765,"end":1007.265,"sentiment":"neutral","sentiment_score":-0.004671530798077583}],"sentiment":"neutral","sentiment_score":-0.004671530798077583,"channel":1,"num_words":1,"start":1006.765,"end":1007.265},{"sentences":[{"text":"okay.","start":1006.98,"end":1007.3,"sentiment":"neutral","sentiment_score":0.048056699335575104},{"text":"If you're okay with that, I'll get the team to kind of go through the authority so we can get a rundown and access to the account again just because it's","start":1007.3,"end":1015.335,"sentiment":"neutral","sentiment_score":0.05999570692919435}],"sentiment":"neutral","sentiment_score":0.05962261294189375,"channel":0,"num_words":32,"start":1006.98,"end":1015.335},{"sentences":[{"text":"Yep.","start":1015.245,"end":1015.745,"sentiment":"neutral","sentiment_score":0.03772706165909767}],"sentiment":"neutral","sentiment_score":0.03772706165909767,"channel":1,"num_words":1,"start":1015.245,"end":1015.745},{"sentences":[{"text":"one of the things that you've got to refresh every now and then.","start":1015.335,"end":1017.835,"sentiment":"neutral","sentiment_score":0.03277971882086534}],"sentiment":"neutral","sentiment_score":0.03277971882086534,"channel":0,"num_words":13,"start":1015.335,"end":1017.835},{"sentences":[{"text":"Okay.","start":1018.285,"end":1018.785,"sentiment":"neutral","sentiment_score":0.09747803211212158}],"sentiment":"neutral","sentiment_score":0.09747803211212158,"channel":1,"num_words":1,"start":1018.285,"end":1018.785},{"sentences":[{"text":"Cool.","start":1020.055,"end":1020.555,"sentiment":"neutral","sentiment_score":0.18654991686344147},{"text":"In terms of the insurances, though,","start":1021.09503,"end":1023.275,"sentiment":"neutral","sentiment_score":0.062479267517725624}],"sentiment":"neutral","sentiment_score":0.08020364599568504,"channel":0,"num_words":7,"start":1020.055,"end":1023.275},{"sentences":[{"text":"Mhmm.","start":1024.4,"end":1024.9,"sentiment":"neutral","sentiment_score":0.18328528106212616}],"sentiment":"neutral","sentiment_score":0.18328528106212616,"channel":1,"num_words":1,"start":1024.4,"end":1024.9},{"sentences":[{"text":"really fantastic policy that they've got you in from CommonSure.","start":1024.59,"end":1027.47,"sentiment":"positive","sentiment_score":0.5776479452848434},{"text":"I don't know if you remember the news articles that came out about CommonSure back in the day.","start":1027.47,"end":1031.5701,"sentiment":"neutral","sentiment_score":-0.019878460922174983}],"sentiment":"neutral","sentiment_score":0.19352382700890303,"channel":0,"num_words":28,"start":1024.59,"end":1031.5701},{"sentences":[{"text":"I think I do that.","start":1034.615,"end":1035.815,"sentiment":"neutral","sentiment_score":0.05233490839600563},{"text":"Yeah.","start":1035.815,"end":1036.315,"sentiment":"neutral","sentiment_score":-0.05392598360776901}],"sentiment":"neutral","sentiment_score":0.034624759728709854,"channel":1,"num_words":6,"start":1034.615,"end":1036.315},{"sentences":[{"text":"Yeah.","start":1037.035,"end":1037.275,"sentiment":"neutral","sentiment_score":-0.09158994257450104},{"text":"There was that huge scandal, and I ended up","start":1037.275,"end":1039.675,"sentiment":"neutral","sentiment_score":-0.2595954504277971}],"sentiment":"neutral","sentiment_score":-0.2427948996424675,"channel":0,"num_words":10,"start":1037.035,"end":1039.675},{"sentences":[{"text":"Correct.","start":1039.575,"end":1040.075,"sentiment":"neutral","sentiment_score":-0.168244868516922}],"sentiment":"neutral","sentiment_score":-0.168244868516922,"channel":1,"num_words":1,"start":1039.575,"end":1040.075},{"sentences":[{"text":"kind of winding down as an insurance company.","start":1039.675,"end":1042.255,"sentiment":"neutral","sentiment_score":-0.21408003009855747},{"text":"But what's","start":1042.475,"end":1042.955,"sentiment":"neutral","sentiment_score":-0.05806948244571686}],"sentiment":"neutral","sentiment_score":-0.18287792056798935,"channel":0,"num_words":10,"start":1039.675,"end":1042.955},{"sentences":[{"text":"Yeah.","start":1042.775,"end":1043.275,"sentiment":"neutral","sentiment_score":-0.01152842864394188}],"sentiment":"neutral","sentiment_score":-0.01152842864394188,"channel":1,"num_words":1,"start":1042.775,"end":1043.275},{"sentences":[{"text":"happened is they've kind of grandfathered your policy across, and","start":1042.955,"end":1047.935,"sentiment":"neutral","sentiment_score":0.03130262531340122}],"sentiment":"neutral","sentiment_score":0.03130262531340122,"channel":0,"num_words":10,"start":1042.955,"end":1047.935},{"sentences":[{"text":"Yes.","start":1047.59,"end":1048.09,"sentiment":"positive","sentiment_score":0.3850291967391968}],"sentiment":"positive","sentiment_score":0.3850291967391968,"channel":1,"num_words":1,"start":1047.59,"end":1048.09},{"sentences":[{"text":"it's actually really good.","start":1048.81,"end":1049.6901,"sentiment":"positive","sentiment_score":0.5934829264879227},{"text":"It's like $800 a year.","start":1049.6901,"end":1051.39,"sentiment":"positive","sentiment_score":0.3562904179096222},{"text":"You've got just under half a mil of life and CPD insurance for disability, and","start":1051.4501,"end":1056.17,"sentiment":"neutral","sentiment_score":0.2060277720292409}],"sentiment":"neutral","sentiment_score":0.30190834899743396,"channel":0,"num_words":24,"start":1048.81,"end":1056.17},{"sentences":[{"text":"Yes.","start":1056.0701,"end":1056.5701,"sentiment":"neutral","sentiment_score":0.12640273571014404}],"sentiment":"neutral","sentiment_score":0.12640273571014404,"channel":1,"num_words":1,"start":1056.0701,"end":1056.5701},{"sentences":[{"text":"your income protection, they've been slowly increasing it with inflation to try and keep","start":1056.17,"end":1061.835,"sentiment":"neutral","sentiment_score":0.11365796465958868}],"sentiment":"neutral","sentiment_score":0.11365796465958868,"channel":0,"num_words":14,"start":1056.17,"end":1061.835},{"sentences":[{"text":"Okay.","start":1061.83,"end":1062.33,"sentiment":"neutral","sentiment_score":0.06923618912696838}],"sentiment":"neutral","sentiment_score":0.06923618912696838,"channel":1,"num_words":1,"start":1061.83,"end":1062.33},{"sentences":[{"text":"up with that.","start":1061.835,"end":1062.815,"sentiment":"neutral","sentiment_score":0.07160789022843043}],"sentiment":"neutral","sentiment_score":0.07160789022843043,"channel":0,"num_words":3,"start":1061.835,"end":1062.815},{"sentences":[{"text":"Yep.","start":1063.145,"end":1063.645,"sentiment":"neutral","sentiment_score":0.0408174954354763}],"sentiment":"neutral","sentiment_score":0.0408174954354763,"channel":1,"num_words":1,"start":1063.145,"end":1063.645},{"sentences":[{"text":"Thirty day waiting period, three year benefits.","start":1063.835,"end":1066.5549,"sentiment":"neutral","sentiment_score":0.007563539647630283},{"text":"So if you're out of work for a month, kicks in monthly $8, and that'll keep going for up to two years if you're sick or injured for that long per injury.","start":1066.5549,"end":1074.735,"sentiment":"neutral","sentiment_score":-0.13751383044291288}],"sentiment":"neutral","sentiment_score":-0.11147430247794358,"channel":0,"num_words":39,"start":1063.835,"end":1074.735},{"sentences":[{"text":"Mhmm.","start":1074.4249,"end":1074.6649,"sentiment":"neutral","sentiment_score":-0.02419441379606724},{"text":"Okay.","start":1074.6649,"end":1075.1649,"sentiment":"neutral","sentiment_score":-0.010261889547109604},{"text":"Yep.","start":1075.625,"end":1076.125,"sentiment":"neutral","sentiment_score":-0.07646310329437256}],"sentiment":"neutral","sentiment_score":-0.0369731355458498,"channel":1,"num_words":3,"start":1074.4249,"end":1076.125},{"sentences":[{"text":"Now, basically, what I'm saying is that for that price for those three policies of cover, that's top 2% in the insurance space at the moment.","start":1076.1599,"end":1085.38,"sentiment":"neutral","sentiment_score":0.00647322491903861}],"sentiment":"neutral","sentiment_score":0.00647322491903861,"channel":0,"num_words":26,"start":1076.1599,"end":1085.38},{"sentences":[{"text":"Okay.","start":1086.04,"end":1086.54,"sentiment":"neutral","sentiment_score":0.2356431782245636},{"text":"Yep.","start":1087.24,"end":1087.74,"sentiment":"neutral","sentiment_score":0.3108985424041748}],"sentiment":"neutral","sentiment_score":0.2732708603143692,"channel":1,"num_words":2,"start":1086.04,"end":1087.74},{"sentences":[{"text":"So I definitely wanna keep that going as long as it's an appropriate level of cover.","start":1087.855,"end":1092.4349,"sentiment":"positive","sentiment_score":0.4725030642002821},{"text":"Let me just quickly check this because like I said, it has increased.","start":1094.575,"end":1098.115,"sentiment":"neutral","sentiment_score":0.07961705613594788},{"text":"$8,000 a month,","start":1101.07,"end":1102.69,"sentiment":"neutral","sentiment_score":0.052794249107440315}],"sentiment":"neutral","sentiment_score":0.2735454220091924,"channel":0,"num_words":32,"start":1087.855,"end":1102.69},{"sentences":[{"text":"Yes.","start":1102.655,"end":1103.155,"sentiment":"neutral","sentiment_score":0.2141336500644684}],"sentiment":"neutral","sentiment_score":0.2141336500644684,"channel":1,"num_words":1,"start":1102.655,"end":1103.155},{"sentences":[{"text":"and they usually cover you for 75% for an old policy before 2021.","start":1103.07,"end":1109.89,"sentiment":"neutral","sentiment_score":0.18258400949148032},{"text":"So it's protecting you for an income of a 133,000.","start":1110.03,"end":1114.45,"sentiment":"neutral","sentiment_score":0.2728280112147331}],"sentiment":"neutral","sentiment_score":0.2218205319798511,"channel":0,"num_words":23,"start":1103.07,"end":1114.45},{"sentences":[{"text":"Okay.","start":1115.47,"end":1115.97,"sentiment":"neutral","sentiment_score":0.18087013065814972},{"text":"Yep.","start":1116.1901,"end":1116.675,"sentiment":"neutral","sentiment_score":0.1783512532711029}],"sentiment":"neutral","sentiment_score":0.1796106919646263,"channel":1,"num_words":2,"start":1115.47,"end":1116.675},{"sentences":[{"text":"Now that gives you a bit of a buffer, but let's say you give them twelve months of financials when you claim, and they go, oh, you've only earned a 118.","start":1117.865,"end":1126.8451,"sentiment":"neutral","sentiment_score":0.11918946535837266},{"text":"They'll pay you 75% on that amount, and you would have paid a tiny bit extra for something that you couldn't have claimed on, if that makes sense.","start":1126.905,"end":1135.27,"sentiment":"neutral","sentiment_score":0.019287256257874624}],"sentiment":"neutral","sentiment_score":0.0717782474801702,"channel":0,"num_words":59,"start":1117.865,"end":1135.27},{"sentences":[{"text":"Yeah.","start":1135.69,"end":1135.9299,"sentiment":"neutral","sentiment_score":0.1430245190858841},{"text":"Okay.","start":1135.9299,"end":1136.25,"sentiment":"neutral","sentiment_score":0.1741439402103424},{"text":"Yep.","start":1136.25,"end":1136.75,"sentiment":"neutral","sentiment_score":0.21828100085258484}],"sentiment":"neutral","sentiment_score":0.1784831533829371,"channel":1,"num_words":3,"start":1135.69,"end":1136.75},{"sentences":[{"text":"So it's a very affordable way to have a buffer.","start":1137.65,"end":1141.09,"sentiment":"positive","sentiment_score":0.4553425133228302},{"text":"So when your income increases, your insurance has already kept up with it without the","start":1141.09,"end":1145.425,"sentiment":"neutral","sentiment_score":0.2042623430490494}],"sentiment":"neutral","sentiment_score":0.3046944111585617,"channel":0,"num_words":25,"start":1137.65,"end":1145.425},{"sentences":[{"text":"Yep.","start":1145.37,"end":1145.715,"sentiment":"neutral","sentiment_score":0.12153619527816772}],"sentiment":"neutral","sentiment_score":0.12153619527816772,"channel":1,"num_words":1,"start":1145.37,"end":1145.715},{"sentences":[{"text":"premium skyrocketing.","start":1145.425,"end":1146.485,"sentiment":"neutral","sentiment_score":0.13316205888986588},{"text":"But I just wanna","start":1146.865,"end":1147.5851,"sentiment":"neutral","sentiment_score":-0.002973392605781555}],"sentiment":"neutral","sentiment_score":0.04240509122610092,"channel":0,"num_words":6,"start":1145.425,"end":1147.5851},{"sentences":[{"text":"Yep.","start":1147.475,"end":1147.975,"sentiment":"neutral","sentiment_score":-0.024798881262540817}],"sentiment":"neutral","sentiment_score":-0.024798881262540817,"channel":1,"num_words":1,"start":1147.475,"end":1147.975},{"sentences":[{"text":"make you aware that if you go through a claim, the payment","start":1147.5851,"end":1151.025,"sentiment":"neutral","sentiment_score":-0.12208086003859837}],"sentiment":"neutral","sentiment_score":-0.12208086003859837,"channel":0,"num_words":12,"start":1147.5851,"end":1151.025},{"sentences":[{"text":"Mhmm.","start":1150.835,"end":1151.335,"sentiment":"neutral","sentiment_score":-0.17553956806659698}],"sentiment":"neutral","sentiment_score":-0.17553956806659698,"channel":1,"num_words":1,"start":1150.835,"end":1151.335},{"sentences":[{"text":"might not be exactly the same.","start":1151.025,"end":1152.725,"sentiment":"neutral","sentiment_score":-0.18973052750031152}],"sentiment":"neutral","sentiment_score":-0.18973052750031152,"channel":0,"num_words":6,"start":1151.025,"end":1152.725},{"sentences":[{"text":"Yeah.","start":1153.475,"end":1153.715,"sentiment":"neutral","sentiment_score":-0.05399309471249581},{"text":"It's 75% of the total.","start":1153.715,"end":1155.895,"sentiment":"neutral","sentiment_score":-0.013059719279408456},{"text":"Right?","start":1156.0349,"end":1156.5349,"sentiment":"neutral","sentiment_score":0.012344790622591972}],"sentiment":"neutral","sentiment_score":-0.015278128640992301,"channel":1,"num_words":7,"start":1153.475,"end":1156.5349},{"sentences":[{"text":"Yeah.","start":1157.68,"end":1157.92,"sentiment":"neutral","sentiment_score":-0.007818607613444328},{"text":"Up into the maximum of, again,","start":1157.92,"end":1160.0,"sentiment":"neutral","sentiment_score":-0.011090852009753386}],"sentiment":"neutral","sentiment_score":-0.010623388524566377,"channel":0,"num_words":7,"start":1157.68,"end":1160.0},{"sentences":[{"text":"Of a","start":1159.715,"end":1160.0349,"sentiment":"neutral","sentiment_score":-0.010675320401787758}],"sentiment":"neutral","sentiment_score":-0.010675320401787758,"channel":1,"num_words":2,"start":1159.715,"end":1160.0349},{"sentences":[{"text":"130","start":1160.0,"end":1160.8,"sentiment":"neutral","sentiment_score":-0.005624677985906601}],"sentiment":"neutral","sentiment_score":-0.005624677985906601,"channel":0,"num_words":1,"start":1160.0,"end":1160.8},{"sentences":[{"text":"hundred and thirty.","start":1160.0349,"end":1161.015,"sentiment":"neutral","sentiment_score":-0.009549093743165335}],"sentiment":"neutral","sentiment_score":-0.009549093743165335,"channel":1,"num_words":3,"start":1160.0349,"end":1161.015},{"sentences":[{"text":"3,000.","start":1160.8,"end":1161.54,"sentiment":"neutral","sentiment_score":0.004594871774315834},{"text":"Yep.","start":1161.92,"end":1162.42,"sentiment":"neutral","sentiment_score":0.02589832805097103}],"sentiment":"neutral","sentiment_score":0.015246599912643433,"channel":0,"num_words":2,"start":1160.8,"end":1162.42},{"sentences":[{"text":"Yeah.","start":1162.2899,"end":1162.69,"sentiment":"neutral","sentiment_score":0.03405110538005829},{"text":"Yeah.","start":1162.69,"end":1162.85,"sentiment":"neutral","sentiment_score":0.04138224944472313},{"text":"Yeah.","start":1162.85,"end":1163.09,"sentiment":"neutral","sentiment_score":0.04582945629954338},{"text":"Yeah.","start":1163.09,"end":1163.59,"sentiment":"neutral","sentiment_score":0.061392880976200104},{"text":"Yeah.","start":1163.89,"end":1164.2899,"sentiment":"neutral","sentiment_score":0.09410938620567322}],"sentiment":"neutral","sentiment_score":0.055353015661239624,"channel":1,"num_words":5,"start":1162.2899,"end":1164.2899},{"sentences":[{"text":"That's fine.","start":1164.2899,"end":1165.11,"sentiment":"neutral","sentiment_score":0.13804404810070992}],"sentiment":"neutral","sentiment_score":0.13804404810070992,"channel":1,"num_words":2,"start":1164.2899,"end":1165.11},{"sentences":[{"text":"What about the life in CPD?","start":1166.24,"end":1167.68,"sentiment":"neutral","sentiment_score":0.032313800106445946},{"text":"So that 400,000 plus your super, the last time we checked your liability, your mortgage was about $6.90.","start":1167.68,"end":1175.335,"sentiment":"neutral","sentiment_score":0.04046856487790743}],"sentiment":"neutral","sentiment_score":0.03842987368504206,"channel":0,"num_words":24,"start":1166.24,"end":1175.335},{"sentences":[{"text":"Yep.","start":1176.21,"end":1176.71,"sentiment":"neutral","sentiment_score":0.13079431653022766}],"sentiment":"neutral","sentiment_score":0.13079431653022766,"channel":1,"num_words":1,"start":1176.21,"end":1176.71},{"sentences":[{"text":"So that's pretty much cleared by the insurance combined with the super at the moment to leave the family essentially debt free.","start":1177.395,"end":1183.41,"sentiment":"neutral","sentiment_score":0.21905528855594722},{"text":"Is that kind of your aim for that type","start":1183.41,"end":1185.09,"sentiment":"neutral","sentiment_score":0.13698566456635794}],"sentiment":"neutral","sentiment_score":0.1952286235267116,"channel":0,"num_words":31,"start":1177.395,"end":1185.09},{"sentences":[{"text":"Yeah.","start":1185.065,"end":1185.3049,"sentiment":"neutral","sentiment_score":0.05326797068119049}],"sentiment":"neutral","sentiment_score":0.05326797068119049,"channel":1,"num_words":1,"start":1185.065,"end":1185.3049},{"sentences":[{"text":"of cover?","start":1185.09,"end":1185.75,"sentiment":"neutral","sentiment_score":0.030378686264157295}],"sentiment":"neutral","sentiment_score":0.030378686264157295,"channel":0,"num_words":2,"start":1185.09,"end":1185.75},{"sentences":[{"text":"Yeah.","start":1185.3049,"end":1185.705,"sentiment":"neutral","sentiment_score":0.09183469414711},{"text":"Yeah.","start":1185.705,"end":1186.205,"sentiment":"neutral","sentiment_score":0.1074347198009491},{"text":"Yeah.","start":1186.2649,"end":1186.4249,"sentiment":"neutral","sentiment_score":0.15268126130104065},{"text":"That's fine.","start":1186.4249,"end":1187.065,"sentiment":"neutral","sentiment_score":0.25049764662981033},{"text":"Yeah.","start":1187.065,"end":1187.565,"sentiment":"positive","sentiment_score":0.36232346296310425}],"sentiment":"neutral","sentiment_score":0.2025449052453041,"channel":1,"num_words":6,"start":1185.3049,"end":1187.565},{"sentences":[{"text":"Perfect.","start":1188.69,"end":1189.19,"sentiment":"positive","sentiment_score":0.5077507495880127},{"text":"And I'm assuming you still wanna make sure that your partner's listed as beneficiary for the life insurance and the both super accounts?","start":1189.25,"end":1196.15,"sentiment":"neutral","sentiment_score":0.15210786332254825}],"sentiment":"neutral","sentiment_score":0.1669263169169426,"channel":0,"num_words":24,"start":1188.69,"end":1196.15},{"sentences":[{"text":"Yep.","start":1196.79,"end":1197.29,"sentiment":"neutral","sentiment_score":0.07991865277290344}],"sentiment":"neutral","sentiment_score":0.07991865277290344,"channel":1,"num_words":1,"start":1196.79,"end":1197.29},{"sentences":[{"text":"So I'll double check those just to make sure nothing's clicked off like a latching nomination or anything.","start":1198.305,"end":1203.605,"sentiment":"neutral","sentiment_score":0.00345299093815912},{"text":"And, basically, what I wanna do is I'll do that, update a comparison for","start":1203.905,"end":1209.025,"sentiment":"neutral","sentiment_score":0.10454076475330762}],"sentiment":"neutral","sentiment_score":0.047678891982286586,"channel":0,"num_words":32,"start":1198.305,"end":1209.025},{"sentences":[{"text":"Sure.","start":1208.945,"end":1209.445,"sentiment":"neutral","sentiment_score":0.15514492988586426}],"sentiment":"neutral","sentiment_score":0.15514492988586426,"channel":1,"num_words":1,"start":1208.945,"end":1209.445},{"sentences":[{"text":"you.","start":1209.025,"end":1209.525,"sentiment":"neutral","sentiment_score":0.15061742067337036},{"text":"We'll","start":1209.73,"end":1209.97,"sentiment":"neutral","sentiment_score":0.1788465827703476}],"sentiment":"neutral","sentiment_score":0.16473200172185898,"channel":0,"num_words":2,"start":1209.025,"end":1209.97},{"sentences":[{"text":"Mhmm.","start":1209.9049,"end":1210.4049,"sentiment":"neutral","sentiment_score":0.1616067886352539}],"sentiment":"neutral","sentiment_score":0.1616067886352539,"channel":1,"num_words":1,"start":1209.9049,"end":1210.4049},{"sentences":[{"text":"compare the Netwealth and the Colonial, see if we need to change anything and the","start":1209.97,"end":1214.0499,"sentiment":"neutral","sentiment_score":0.19126335779825845}],"sentiment":"neutral","sentiment_score":0.19126335779825845,"channel":0,"num_words":15,"start":1209.97,"end":1214.0499},{"sentences":[{"text":"Mhmm.","start":1213.985,"end":1214.485,"sentiment":"neutral","sentiment_score":0.17671993374824524}],"sentiment":"neutral","sentiment_score":0.17671993374824524,"channel":1,"num_words":1,"start":1213.985,"end":1214.485},{"sentences":[{"text":"recommendations.","start":1214.0499,"end":1214.5499,"sentiment":"neutral","sentiment_score":0.19562622904777527},{"text":"I'll include any info about the estate planning if I need to, and","start":1214.9299,"end":1219.6699,"sentiment":"neutral","sentiment_score":0.19134085568097922}],"sentiment":"neutral","sentiment_score":0.1916469537786075,"channel":0,"num_words":14,"start":1214.0499,"end":1219.6699},{"sentences":[{"text":"Yep.","start":1219.585,"end":1219.92,"sentiment":"neutral","sentiment_score":0.2295114099979401}],"sentiment":"neutral","sentiment_score":0.2295114099979401,"channel":1,"num_words":1,"start":1219.585,"end":1219.92},{"sentences":[{"text":"I'll factor in the premiums for the insurances and so on.","start":1219.73,"end":1222.785,"sentiment":"neutral","sentiment_score":0.15413697402585635},{"text":"Alrighty.","start":1225.3451,"end":1225.8451,"sentiment":"neutral","sentiment_score":0.18082934617996216},{"text":"Mate, two more questions for you, but do you have any questions so far?","start":1225.985,"end":1229.125,"sentiment":"neutral","sentiment_score":0.11050087958574295}],"sentiment":"neutral","sentiment_score":0.13166724517941475,"channel":0,"num_words":26,"start":1219.73,"end":1229.125},{"sentences":[{"text":"Okay.","start":1229.36,"end":1229.68,"sentiment":"neutral","sentiment_score":0.030541954562067986},{"text":"No.","start":1229.68,"end":1230.0,"sentiment":"neutral","sentiment_score":-0.11501172930002213},{"text":"No.","start":1230.0,"end":1230.24,"sentiment":"neutral","sentiment_score":-0.1492142677307129},{"text":"I'm really okay.","start":1230.24,"end":1230.88,"sentiment":"neutral","sentiment_score":-0.14338696002960205},{"text":"Yep.","start":1230.88,"end":1231.38,"sentiment":"neutral","sentiment_score":0.12872976064682007}],"sentiment":"neutral","sentiment_score":-0.0764450231300933,"channel":1,"num_words":7,"start":1229.36,"end":1231.38},{"sentences":[{"text":"K.","start":1232.545,"end":1233.045,"sentiment":"neutral","sentiment_score":0.044542133808135986},{"text":"Just in terms of estate planning, did you end up putting in place a will and power of attorney?","start":1233.265,"end":1238.3251,"sentiment":"neutral","sentiment_score":0.025645589848098}],"sentiment":"neutral","sentiment_score":0.0265904170460999,"channel":0,"num_words":20,"start":1232.545,"end":1238.3251},{"sentences":[{"text":"Power returning?","start":1240.0951,"end":1240.9951,"sentiment":"neutral","sentiment_score":-0.03235058858990669}],"sentiment":"neutral","sentiment_score":-0.03235058858990669,"channel":1,"num_words":2,"start":1240.0951,"end":1240.9951},{"sentences":[{"text":"Yeah.","start":1242.36,"end":1242.86,"sentiment":"neutral","sentiment_score":-0.08160778135061264}],"sentiment":"neutral","sentiment_score":-0.08160778135061264,"channel":0,"num_words":1,"start":1242.36,"end":1242.86},{"sentences":[{"text":"No.","start":1243.8551,"end":1244.0951,"sentiment":"neutral","sentiment_score":-0.2656917870044708},{"text":"It's not happening.","start":1244.0951,"end":1244.94,"sentiment":"neutral","sentiment_score":-0.2366031507651011}],"sentiment":"neutral","sentiment_score":-0.24387530982494354,"channel":1,"num_words":4,"start":1243.8551,"end":1244.94},{"sentences":[{"text":"K.","start":1246.12,"end":1246.62,"sentiment":"neutral","sentiment_score":0.002644049935042858},{"text":"And, like, a will for where the house goes and cars and cash and all that kind of thing?","start":1246.92,"end":1252.3,"sentiment":"neutral","sentiment_score":0.016679577284345503}],"sentiment":"neutral","sentiment_score":0.01597780091688037,"channel":0,"num_words":20,"start":1246.12,"end":1252.3},{"sentences":[{"text":"No.","start":1252.46,"end":1252.7,"sentiment":"neutral","sentiment_score":-0.1388709992170334},{"text":"I haven't done any","start":1252.7,"end":1253.5,"sentiment":"neutral","sentiment_score":-0.13100393675267696}],"sentiment":"neutral","sentiment_score":-0.13257734924554826,"channel":1,"num_words":5,"start":1252.46,"end":1253.5},{"sentences":[{"text":"No.","start":1253.325,"end":1253.825,"sentiment":"neutral","sentiment_score":-0.19627897441387177}],"sentiment":"neutral","sentiment_score":-0.19627897441387177,"channel":0,"num_words":1,"start":1253.325,"end":1253.825},{"sentences":[{"text":"of that.","start":1253.5,"end":1254.08,"sentiment":"neutral","sentiment_score":-0.1792866587638855}],"sentiment":"neutral","sentiment_score":-0.1792866587638855,"channel":1,"num_words":2,"start":1253.5,"end":1254.08},{"sentences":[{"text":"That's fine.","start":1255.1649,"end":1256.065,"sentiment":"neutral","sentiment_score":0.16148390993475914},{"text":"If it does help and if you do feel it's important,","start":1256.365,"end":1259.345,"sentiment":"neutral","sentiment_score":0.20287010818719864}],"sentiment":"neutral","sentiment_score":0.1965030007637464,"channel":0,"num_words":13,"start":1255.1649,"end":1259.345},{"sentences":[{"text":"Okay.","start":1259.7949,"end":1260.2949,"sentiment":"neutral","sentiment_score":0.1216910481452942}],"sentiment":"neutral","sentiment_score":0.1216910481452942,"channel":1,"num_words":1,"start":1259.7949,"end":1260.2949},{"sentences":[{"text":"obviously, people go to lawyers for will, but there's also public trustees of every state that do appointments like the courthouse.","start":1260.125,"end":1267.1849,"sentiment":"neutral","sentiment_score":0.06591950356960297},{"text":"And even the post office has government approved will kits for, like, 20 plus bucks.","start":1267.71,"end":1273.5499,"sentiment":"neutral","sentiment_score":0.07899738773703575},{"text":"So if that","start":1273.5499,"end":1274.6699,"sentiment":"neutral","sentiment_score":0.052127089351415634}],"sentiment":"neutral","sentiment_score":0.069888504078755,"channel":0,"num_words":39,"start":1260.125,"end":1274.6699},{"sentences":[{"text":"And","start":1274.595,"end":1274.755,"sentiment":"neutral","sentiment_score":0.08577779680490494}],"sentiment":"neutral","sentiment_score":0.08577779680490494,"channel":1,"num_words":1,"start":1274.595,"end":1274.755},{"sentences":[{"text":"kind","start":1274.6699,"end":1274.83,"sentiment":"neutral","sentiment_score":0.15556561946868896}],"sentiment":"neutral","sentiment_score":0.15556561946868896,"channel":0,"num_words":1,"start":1274.6699,"end":1274.83},{"sentences":[{"text":"you","start":1274.755,"end":1275.24,"sentiment":"neutral","sentiment_score":0.1633254587650299}],"sentiment":"neutral","sentiment_score":0.1633254587650299,"channel":1,"num_words":1,"start":1274.755,"end":1275.24},{"sentences":[{"text":"of helps a little bit.","start":1274.83,"end":1275.97,"sentiment":"neutral","sentiment_score":0.14974874556064605}],"sentiment":"neutral","sentiment_score":0.14974874556064605,"channel":0,"num_words":5,"start":1274.83,"end":1275.97},{"sentences":[{"text":"just and you just, like, drop it yourself.","start":1276.04,"end":1277.64,"sentiment":"neutral","sentiment_score":0.08528523333370686},{"text":"Yeah?","start":1277.64,"end":1278.14,"sentiment":"neutral","sentiment_score":0.07176577299833298}],"sentiment":"neutral","sentiment_score":0.08378307107422087,"channel":1,"num_words":9,"start":1276.04,"end":1278.14},{"sentences":[{"text":"Yeah.","start":1278.99,"end":1279.39,"sentiment":"neutral","sentiment_score":0.08067244291305542},{"text":"Draft it yourself.","start":1279.39,"end":1280.27,"sentiment":"neutral","sentiment_score":0.08797476192315419},{"text":"Get it witnessed and signed by, you know, JP's and witnesses and everything.","start":1280.27,"end":1284.1849,"sentiment":"neutral","sentiment_score":0.0920478506730153},{"text":"And","start":1284.405,"end":1284.905,"sentiment":"neutral","sentiment_score":0.09475978463888168}],"sentiment":"neutral","sentiment_score":0.09088769844836658,"channel":0,"num_words":18,"start":1278.99,"end":1284.905},{"sentences":[{"text":"Yeah.","start":1284.76,"end":1285.26,"sentiment":"neutral","sentiment_score":0.09144995361566544}],"sentiment":"neutral","sentiment_score":0.09144995361566544,"channel":1,"num_words":1,"start":1284.76,"end":1285.26},{"sentences":[{"text":"they're they're legal approved.","start":1285.205,"end":1286.885,"sentiment":"neutral","sentiment_score":0.0836211834102869},{"text":"That's why they kind of supply through AusPost.","start":1286.885,"end":1289.145,"sentiment":"neutral","sentiment_score":0.04164174618199468}],"sentiment":"neutral","sentiment_score":0.055634891924758755,"channel":0,"num_words":12,"start":1285.205,"end":1289.145},{"sentences":[{"text":"Okay.","start":1290.2,"end":1290.7,"sentiment":"neutral","sentiment_score":0.0059000831097364426}],"sentiment":"neutral","sentiment_score":0.0059000831097364426,"channel":1,"num_words":1,"start":1290.2,"end":1290.7},{"sentences":[{"text":"Yeah.","start":1291.9249,"end":1292.165,"sentiment":"neutral","sentiment_score":-0.016294848173856735},{"text":"They're not","start":1292.165,"end":1292.565,"sentiment":"neutral","sentiment_score":-0.07507412321865559}],"sentiment":"neutral","sentiment_score":-0.05548103153705597,"channel":0,"num_words":3,"start":1291.9249,"end":1292.565},{"sentences":[{"text":"Okay.","start":1292.4451,"end":1292.765,"sentiment":"neutral","sentiment_score":-0.11440430581569672}],"sentiment":"neutral","sentiment_score":-0.11440430581569672,"channel":1,"num_words":1,"start":1292.4451,"end":1292.765},{"sentences":[{"text":"the fanciest","start":1292.565,"end":1293.125,"sentiment":"neutral","sentiment_score":-0.1488814726471901}],"sentiment":"neutral","sentiment_score":-0.1488814726471901,"channel":0,"num_words":2,"start":1292.565,"end":1293.125},{"sentences":[{"text":"Yeah.","start":1292.765,"end":1293.005,"sentiment":"neutral","sentiment_score":-0.05241917073726654},{"text":"That's","start":1293.005,"end":1293.3251,"sentiment":"neutral","sentiment_score":-0.04726828634738922}],"sentiment":"neutral","sentiment_score":-0.04984372854232788,"channel":1,"num_words":2,"start":1292.765,"end":1293.3251},{"sentences":[{"text":"thing, but","start":1293.125,"end":1293.365,"sentiment":"neutral","sentiment_score":-0.04625295288860798}],"sentiment":"neutral","sentiment_score":-0.04625295288860798,"channel":0,"num_words":2,"start":1293.125,"end":1293.365},{"sentences":[{"text":"something","start":1293.3251,"end":1293.645,"sentiment":"neutral","sentiment_score":-0.08204714953899384}],"sentiment":"neutral","sentiment_score":-0.08204714953899384,"channel":1,"num_words":1,"start":1293.3251,"end":1293.645},{"sentences":[{"text":"if it's","start":1293.365,"end":1293.6849,"sentiment":"neutral","sentiment_score":-0.0713099017739296}],"sentiment":"neutral","sentiment_score":-0.0713099017739296,"channel":0,"num_words":2,"start":1293.365,"end":1293.6849},{"sentences":[{"text":"that","start":1293.645,"end":1293.885,"sentiment":"neutral","sentiment_score":-0.07299618422985077}],"sentiment":"neutral","sentiment_score":-0.07299618422985077,"channel":1,"num_words":1,"start":1293.645,"end":1293.885},{"sentences":[{"text":"just","start":1293.6849,"end":1293.9249,"sentiment":"neutral","sentiment_score":-0.06767858564853668}],"sentiment":"neutral","sentiment_score":-0.06767858564853668,"channel":0,"num_words":1,"start":1293.6849,"end":1293.9249},{"sentences":[{"text":"that's","start":1293.885,"end":1294.125,"sentiment":"neutral","sentiment_score":-0.08853616565465927}],"sentiment":"neutral","sentiment_score":-0.08853616565465927,"channel":1,"num_words":1,"start":1293.885,"end":1294.125},{"sentences":[{"text":"for","start":1293.9249,"end":1294.165,"sentiment":"neutral","sentiment_score":-0.09425154328346252}],"sentiment":"neutral","sentiment_score":-0.09425154328346252,"channel":0,"num_words":1,"start":1293.9249,"end":1294.165},{"sentences":[{"text":"something","start":1294.125,"end":1294.4451,"sentiment":"neutral","sentiment_score":-0.09353527426719666}],"sentiment":"neutral","sentiment_score":-0.09353527426719666,"channel":1,"num_words":1,"start":1294.125,"end":1294.4451},{"sentences":[{"text":"a half","start":1294.165,"end":1294.485,"sentiment":"neutral","sentiment_score":-0.07633776590228081}],"sentiment":"neutral","sentiment_score":-0.07633776590228081,"channel":0,"num_words":2,"start":1294.165,"end":1294.485},{"sentences":[{"text":"that","start":1294.4451,"end":1294.605,"sentiment":"neutral","sentiment_score":-0.08864300698041916}],"sentiment":"neutral","sentiment_score":-0.08864300698041916,"channel":1,"num_words":1,"start":1294.4451,"end":1294.605},{"sentences":[{"text":"car","start":1294.485,"end":1294.725,"sentiment":"neutral","sentiment_score":-0.07078403234481812}],"sentiment":"neutral","sentiment_score":-0.07078403234481812,"channel":0,"num_words":1,"start":1294.485,"end":1294.725},{"sentences":[{"text":"happened","start":1294.605,"end":1294.925,"sentiment":"neutral","sentiment_score":-0.06262598931789398}],"sentiment":"neutral","sentiment_score":-0.06262598931789398,"channel":1,"num_words":1,"start":1294.605,"end":1294.925},{"sentences":[{"text":"and","start":1294.725,"end":1294.965,"sentiment":"neutral","sentiment_score":-0.07728894054889679}],"sentiment":"neutral","sentiment_score":-0.07728894054889679,"channel":0,"num_words":1,"start":1294.725,"end":1294.965},{"sentences":[{"text":"in","start":1294.925,"end":1295.085,"sentiment":"neutral","sentiment_score":-0.08228680491447449}],"sentiment":"neutral","sentiment_score":-0.08228680491447449,"channel":1,"num_words":1,"start":1294.925,"end":1295.085},{"sentences":[{"text":"cash.","start":1294.965,"end":1295.465,"sentiment":"neutral","sentiment_score":-0.05865518003702164}],"sentiment":"neutral","sentiment_score":-0.05865518003702164,"channel":0,"num_words":1,"start":1294.965,"end":1295.465},{"sentences":[{"text":"today.","start":1295.085,"end":1295.485,"sentiment":"neutral","sentiment_score":0.018274925649166107},{"text":"Yeah.","start":1295.485,"end":1295.985,"sentiment":"neutral","sentiment_score":0.11463195830583572}],"sentiment":"neutral","sentiment_score":0.06645344197750092,"channel":1,"num_words":2,"start":1295.085,"end":1295.985},{"sentences":[{"text":"Absolutely.","start":1299.61,"end":1300.11,"sentiment":"neutral","sentiment_score":0.1745210587978363},{"text":"If you have any questions on that anytime, I just let me know.","start":1300.8099,"end":1303.53,"sentiment":"neutral","sentiment_score":0.173323114330952},{"text":"But I just","start":1303.53,"end":1304.17,"sentiment":"neutral","sentiment_score":0.15107932686805725}],"sentiment":"neutral","sentiment_score":0.16946820739437551,"channel":0,"num_words":17,"start":1299.61,"end":1304.17},{"sentences":[{"text":"Yep.","start":1304.045,"end":1304.52,"sentiment":"neutral","sentiment_score":0.1420067846775055}],"sentiment":"neutral","sentiment_score":0.1420067846775055,"channel":1,"num_words":1,"start":1304.045,"end":1304.52},{"sentences":[{"text":"thought I'd give you a couple options there if that helps.","start":1304.17,"end":1306.59,"sentiment":"neutral","sentiment_score":0.1782834462144158}],"sentiment":"neutral","sentiment_score":0.1782834462144158,"channel":0,"num_words":11,"start":1304.17,"end":1306.59},{"sentences":[{"text":"Yep.","start":1307.0801,"end":1307.5801,"sentiment":"neutral","sentiment_score":0.14195941388607025},{"text":"Okay.","start":1308.28,"end":1308.78,"sentiment":"neutral","sentiment_score":0.19316180050373075}],"sentiment":"neutral","sentiment_score":0.1675606071949005,"channel":1,"num_words":2,"start":1307.0801,"end":1308.78},{"sentences":[{"text":"Alrighty.","start":1309.155,"end":1309.655,"sentiment":"neutral","sentiment_score":0.25898534059524536},{"text":"So I'll get the team to kind of reach out for that research on Colonial.","start":1310.675,"end":1315.415,"sentiment":"neutral","sentiment_score":0.22814243634541828},{"text":"As soon as I've got that down, I'll do the comparisons and put the updated statement of advice together for you.","start":1315.4751,"end":1321.41,"sentiment":"neutral","sentiment_score":0.30186788950647625},{"text":"Now just given the time that it takes them to, a, update the email address if they need to,","start":1322.29,"end":1327.91,"sentiment":"neutral","sentiment_score":0.07542355260566662}],"sentiment":"neutral","sentiment_score":0.20452491187357477,"channel":0,"num_words":56,"start":1309.155,"end":1327.91},{"sentences":[{"text":"Yep.","start":1327.975,"end":1328.475,"sentiment":"neutral","sentiment_score":0.08246564865112305}],"sentiment":"neutral","sentiment_score":0.08246564865112305,"channel":1,"num_words":1,"start":1327.975,"end":1328.475},{"sentences":[{"text":"approve","start":1328.37,"end":1328.77,"sentiment":"neutral","sentiment_score":0.12621699273586273}],"sentiment":"neutral","sentiment_score":0.12621699273586273,"channel":0,"num_words":1,"start":1328.37,"end":1328.77},{"sentences":[{"text":"Yep.","start":1328.615,"end":1328.91,"sentiment":"neutral","sentiment_score":0.1000102162361145}],"sentiment":"neutral","sentiment_score":0.1000102162361145,"channel":1,"num_words":1,"start":1328.615,"end":1328.91},{"sentences":[{"text":"the authority, do the research, put the plan together, I'm pretty much gonna be contacting well, the team will be in touch with you over the next few weeks a couple of times, and then","start":1328.77,"end":1338.635,"sentiment":"neutral","sentiment_score":0.12683132567576}],"sentiment":"neutral","sentiment_score":0.12683132567576,"channel":0,"num_words":35,"start":1328.77,"end":1338.635},{"sentences":[{"text":"Yep.","start":1338.43,"end":1338.67,"sentiment":"neutral","sentiment_score":0.08397199213504791}],"sentiment":"neutral","sentiment_score":0.08397199213504791,"channel":1,"num_words":1,"start":1338.43,"end":1338.67},{"sentences":[{"text":"we'll","start":1338.635,"end":1338.7949,"sentiment":"neutral","sentiment_score":0.10677702724933624}],"sentiment":"neutral","sentiment_score":0.10677702724933624,"channel":0,"num_words":1,"start":1338.635,"end":1338.7949},{"sentences":[{"text":"Yep.","start":1338.67,"end":1339.17,"sentiment":"neutral","sentiment_score":0.09062401950359344}],"sentiment":"neutral","sentiment_score":0.09062401950359344,"channel":1,"num_words":1,"start":1338.67,"end":1339.17},{"sentences":[{"text":"be probably speaking just before the end of financial year to go through the updated plan.","start":1338.7949,"end":1343.595,"sentiment":"neutral","sentiment_score":0.07876180624589324},{"text":"Cool.","start":1343.595,"end":1344.095,"sentiment":"positive","sentiment_score":0.37556636333465576}],"sentiment":"neutral","sentiment_score":0.09622089783934985,"channel":0,"num_words":17,"start":1338.7949,"end":1344.095},{"sentences":[{"text":"Okay.","start":1344.11,"end":1344.525,"sentiment":"neutral","sentiment_score":0.23533666133880615},{"text":"Yeah.","start":1344.765,"end":1345.265,"sentiment":"neutral","sentiment_score":0.2239367961883545}],"sentiment":"neutral","sentiment_score":0.22963672876358032,"channel":1,"num_words":2,"start":1344.11,"end":1345.265},{"sentences":[{"text":"Included in there as well in that email I've sent you, that sign button that you saw at the top, that's for the service agreement and tax file number opt in there as well.","start":1348.12,"end":1357.1,"sentiment":"neutral","sentiment_score":0.17611617069034016},{"text":"So","start":1357.4,"end":1357.9,"sentiment":"neutral","sentiment_score":0.2176948189735413}],"sentiment":"neutral","sentiment_score":0.17730413206986018,"channel":0,"num_words":35,"start":1348.12,"end":1357.9},{"sentences":[{"text":"Yeah.","start":1357.5651,"end":1357.92,"sentiment":"neutral","sentiment_score":0.2516547739505768}],"sentiment":"neutral","sentiment_score":0.2516547739505768,"channel":1,"num_words":1,"start":1357.5651,"end":1357.92},{"sentences":[{"text":"if you're still happy with the service, we still charge the 1.65%.","start":1358.12,"end":1362.7,"sentiment":"positive","sentiment_score":0.35983255753914517},{"text":"Spread that","start":1363.105,"end":1363.4249,"sentiment":"neutral","sentiment_score":0.32689720392227173}],"sentiment":"positive","sentiment_score":0.35512750702244894,"channel":0,"num_words":14,"start":1358.12,"end":1363.4249},{"sentences":[{"text":"Yep.","start":1363.36,"end":1363.86,"sentiment":"neutral","sentiment_score":0.2997990846633911}],"sentiment":"neutral","sentiment_score":0.2997990846633911,"channel":1,"num_words":1,"start":1363.36,"end":1363.86},{"sentences":[{"text":"out over the twelve months into the little repayments, 15","start":1363.4249,"end":1367.105,"sentiment":"neutral","sentiment_score":0.2813711538910866}],"sentiment":"neutral","sentiment_score":0.2813711538910866,"channel":0,"num_words":10,"start":1363.4249,"end":1367.105},{"sentences":[{"text":"Yep.","start":1367.04,"end":1367.54,"sentiment":"neutral","sentiment_score":0.2240501344203949}],"sentiment":"neutral","sentiment_score":0.2240501344203949,"channel":1,"num_words":1,"start":1367.04,"end":1367.54},{"sentences":[{"text":"percent tax rebate, the super fund claims.","start":1367.105,"end":1369.605,"sentiment":"neutral","sentiment_score":0.243752692426954},{"text":"But other","start":1369.985,"end":1370.465,"sentiment":"neutral","sentiment_score":0.07917146012187004}],"sentiment":"neutral","sentiment_score":0.20717908524804646,"channel":0,"num_words":9,"start":1367.105,"end":1370.465},{"sentences":[{"text":"Mhmm.","start":1370.3201,"end":1370.475,"sentiment":"neutral","sentiment_score":0.04726459085941315}],"sentiment":"neutral","sentiment_score":0.04726459085941315,"channel":1,"num_words":1,"start":1370.3201,"end":1370.475},{"sentences":[{"text":"than that, are we touching on it again when we do the updated plan just to make sure you're actually happy with what I'm proposing and can","start":1370.465,"end":1377.74,"sentiment":"neutral","sentiment_score":0.17800032099088034}],"sentiment":"neutral","sentiment_score":0.17800032099088034,"channel":0,"num_words":27,"start":1370.465,"end":1377.74},{"sentences":[{"text":"Yep.","start":1377.4349,"end":1377.9349,"sentiment":"neutral","sentiment_score":0.15062479674816132}],"sentiment":"neutral","sentiment_score":0.15062479674816132,"channel":1,"num_words":1,"start":1377.4349,"end":1377.9349},{"sentences":[{"text":"give you consent then as well.","start":1377.74,"end":1379.36,"sentiment":"neutral","sentiment_score":0.11317819605271022}],"sentiment":"neutral","sentiment_score":0.11317819605271022,"channel":0,"num_words":6,"start":1377.74,"end":1379.36},{"sentences":[{"text":"Okay.","start":1379.9149,"end":1380.4149,"sentiment":"neutral","sentiment_score":0.1413985788822174}],"sentiment":"neutral","sentiment_score":0.1413985788822174,"channel":1,"num_words":1,"start":1379.9149,"end":1380.4149},{"sentences":[{"text":"Cool.","start":1382.2999,"end":1382.7999,"sentiment":"neutral","sentiment_score":0.164244145154953},{"text":"Any questions for me so far, mate?","start":1383.2599,"end":1385.2799,"sentiment":"neutral","sentiment_score":0.08878090019736971}],"sentiment":"neutral","sentiment_score":0.09821380581706762,"channel":0,"num_words":8,"start":1382.2999,"end":1385.2799},{"sentences":[{"text":"No.","start":1386.11,"end":1386.51,"sentiment":"neutral","sentiment_score":-0.10833026468753816},{"text":"Not at this stage.","start":1386.51,"end":1387.55,"sentiment":"neutral","sentiment_score":-0.1552877128124237},{"text":"I guess I tend to, like, financial advice in terms of, like, you know you know, when we're looking to buy a house.","start":1387.55,"end":1396.8501,"sentiment":"neutral","sentiment_score":-0.05989056606979474},{"text":"Right?","start":1396.91,"end":1397.265,"sentiment":"neutral","sentiment_score":-0.019322045147418976},{"text":"Say, like, for instance, like, investment property, in terms of, like, the cover through Netwealth and through my","start":1398.625,"end":1406.405,"sentiment":"neutral","sentiment_score":0.0330497571784589}],"sentiment":"neutral","sentiment_score":-0.03258277769101427,"channel":1,"num_words":47,"start":1386.11,"end":1406.405},{"sentences":[{"text":"Yep.","start":1406.84,"end":1407.34,"sentiment":"neutral","sentiment_score":0.051343172788619995}],"sentiment":"neutral","sentiment_score":0.051343172788619995,"channel":0,"num_words":1,"start":1406.84,"end":1407.34},{"sentences":[{"text":"business and such in terms of which I already pay, is there any sort of, like, someone that gives guidance in terms of, like, what I should what my options would be on the terms of how to use, I guess, equity in my house for such device and things and so on?","start":1407.985,"end":1423.6799,"sentiment":"neutral","sentiment_score":0.009213896081695016}],"sentiment":"neutral","sentiment_score":0.009213896081695016,"channel":1,"num_words":53,"start":1407.985,"end":1423.6799},{"sentences":[{"text":"Yeah.","start":1425.015,"end":1425.255,"sentiment":"neutral","sentiment_score":0.026547394692897797},{"text":"So the way the the professionals work, so overview financial, we're financial advisers.","start":1425.255,"end":1431.1699,"sentiment":"neutral","sentiment_score":0.05333595121136078},{"text":"We kind of sit in the middle of your financial travel agent.","start":1431.1699,"end":1435.09,"sentiment":"neutral","sentiment_score":0.03843247828384241},{"text":"Right?","start":1435.09,"end":1435.59,"sentiment":"neutral","sentiment_score":0.04771709442138672},{"text":"Go with this airline.","start":1435.6499,"end":1437.2699,"sentiment":"neutral","sentiment_score":0.09526517987251282}],"sentiment":"neutral","sentiment_score":0.051931687540585,"channel":0,"num_words":31,"start":1425.015,"end":1437.2699},{"sentences":[{"text":"Go with the tickets for the extra baggage.","start":1437.4099,"end":1439.51,"sentiment":"neutral","sentiment_score":0.14139013271778822},{"text":"Here's the product.","start":1439.57,"end":1440.45,"sentiment":"neutral","sentiment_score":0.12398069848616917},{"text":"This is what you're trying to get to in terms of goals.","start":1440.45,"end":1443.19,"sentiment":"neutral","sentiment_score":0.13813953412075838},{"text":"You've got mortgage brokers who specialize in getting the loans.","start":1443.765,"end":1447.785,"sentiment":"neutral","sentiment_score":0.06387546621263027},{"text":"You've got","start":1448.645,"end":1449.465,"sentiment":"neutral","sentiment_score":0.042972005903720856}],"sentiment":"neutral","sentiment_score":0.11101246401667594,"channel":0,"num_words":35,"start":1437.4099,"end":1449.465},{"sentences":[{"text":"Yeah.","start":1449.92,"end":1450.42,"sentiment":"neutral","sentiment_score":0.038974881172180176}],"sentiment":"neutral","sentiment_score":0.038974881172180176,"channel":1,"num_words":1,"start":1449.92,"end":1450.42},{"sentences":[{"text":"buyers' agents who specialize in finding a property.","start":1450.005,"end":1453.9451,"sentiment":"neutral","sentiment_score":0.06849963031709194}],"sentiment":"neutral","sentiment_score":0.06849963031709194,"channel":0,"num_words":8,"start":1450.005,"end":1453.9451},{"sentences":[{"text":"Yep.","start":1454.88,"end":1455.165,"sentiment":"neutral","sentiment_score":0.16798433661460876}],"sentiment":"neutral","sentiment_score":0.16798433661460876,"channel":1,"num_words":1,"start":1454.88,"end":1455.165},{"sentences":[{"text":"And then the advisers, we go through the strategies, projections, and also just the general education as well.","start":1455.4451,"end":1462.62,"sentiment":"neutral","sentiment_score":0.1511106077167723},{"text":"So have you","start":1462.76,"end":1463.32,"sentiment":"neutral","sentiment_score":0.029921719804406166}],"sentiment":"neutral","sentiment_score":0.13379790944357714,"channel":0,"num_words":21,"start":1455.4451,"end":1463.32},{"sentences":[{"text":"Yeah.","start":1463.165,"end":1463.665,"sentiment":"neutral","sentiment_score":0.0218949057161808}],"sentiment":"neutral","sentiment_score":0.0218949057161808,"channel":1,"num_words":1,"start":1463.165,"end":1463.665},{"sentences":[{"text":"ever gone through any kind of lending besides just when you first bought the property?","start":1463.32,"end":1468.46,"sentiment":"neutral","sentiment_score":-0.012685244033734003}],"sentiment":"neutral","sentiment_score":-0.012685244033734003,"channel":0,"num_words":15,"start":1463.32,"end":1468.46},{"sentences":[{"text":"No.","start":1469.3251,"end":1469.645,"sentiment":"neutral","sentiment_score":-0.23646730184555056},{"text":"No.","start":1469.645,"end":1469.885,"sentiment":"neutral","sentiment_score":-0.2367236614227295},{"text":"I haven't.","start":1469.885,"end":1470.42,"sentiment":"neutral","sentiment_score":-0.21562668681144714}],"sentiment":"neutral","sentiment_score":-0.22611108422279358,"channel":1,"num_words":4,"start":1469.3251,"end":1470.42},{"sentences":[{"text":"K.","start":1472.125,"end":1472.365,"sentiment":"neutral","sentiment_score":-0.0519673228263855},{"text":"I won't kind of info dump at you right now, but the the main thing to to remember is have you heard of the concept of LVR before?","start":1472.365,"end":1480.945,"sentiment":"neutral","sentiment_score":-0.08306094871035644}],"sentiment":"neutral","sentiment_score":-0.08198875471435745,"channel":0,"num_words":29,"start":1472.125,"end":1480.945},{"sentences":[{"text":"No.","start":1482.1001,"end":1482.6001,"sentiment":"neutral","sentiment_score":-0.12110305577516556}],"sentiment":"neutral","sentiment_score":-0.12110305577516556,"channel":1,"num_words":1,"start":1482.1001,"end":1482.6001},{"sentences":[{"text":"K.","start":1483.74,"end":1483.9,"sentiment":"neutral","sentiment_score":-0.04615729674696922},{"text":"So that's essentially loan to value ratio.","start":1483.9,"end":1487.12,"sentiment":"neutral","sentiment_score":-0.044910414410488944},{"text":"So when the bank does the lending, they go, how much debt are we talking about or how much assets that are being put up as security?","start":1487.66,"end":1495.92,"sentiment":"neutral","sentiment_score":-0.0317000370748617},{"text":"So I've got the previous value at 1,500,000.","start":1496.445,"end":1499.9049,"sentiment":"neutral","sentiment_score":-0.02854587504407391},{"text":"I was gonna do a bit of an update online just to see if that's jumped up a little bit, but do you know what the value might be right now?","start":1500.0449,"end":1505.985,"sentiment":"neutral","sentiment_score":-0.03746120487490008}],"sentiment":"neutral","sentiment_score":-0.03521750743400205,"channel":0,"num_words":74,"start":1483.74,"end":1505.985},{"sentences":[{"text":"Mhmm.","start":1505.65,"end":1506.15,"sentiment":"neutral","sentiment_score":-0.02599293366074562},{"text":"Of my plate?","start":1506.5299,"end":1507.4299,"sentiment":"neutral","sentiment_score":-0.052453293154637017},{"text":"Oh,","start":1508.21,"end":1508.71,"sentiment":"neutral","sentiment_score":0.006938407197594643}],"sentiment":"neutral","sentiment_score":-0.03528288118541241,"channel":1,"num_words":5,"start":1505.65,"end":1508.71},{"sentences":[{"text":"Yes.","start":1508.7,"end":1509.2,"sentiment":"neutral","sentiment_score":0.042680516839027405}],"sentiment":"neutral","sentiment_score":0.042680516839027405,"channel":0,"num_words":1,"start":1508.7,"end":1509.2},{"sentences":[{"text":"yeah.","start":1509.49,"end":1509.8099,"sentiment":"neutral","sentiment_score":0.0318988598883152},{"text":"If you've got a 1.8, I'd say.","start":1509.8099,"end":1511.685,"sentiment":"neutral","sentiment_score":0.009615080298057624},{"text":"1.8 to","start":1512.165,"end":1512.9651,"sentiment":"neutral","sentiment_score":0.01682007685303688}],"sentiment":"neutral","sentiment_score":0.013284457568079232,"channel":1,"num_words":10,"start":1509.49,"end":1512.9651},{"sentences":[{"text":"Yep.","start":1512.86,"end":1513.36,"sentiment":"neutral","sentiment_score":0.028127286583185196}],"sentiment":"neutral","sentiment_score":0.028127286583185196,"channel":0,"num_words":1,"start":1512.86,"end":1513.36},{"sentences":[{"text":"2.","start":1512.9651,"end":1513.4651,"sentiment":"neutral","sentiment_score":0.08568664640188217}],"sentiment":"neutral","sentiment_score":0.08568664640188217,"channel":1,"num_words":1,"start":1512.9651,"end":1513.4651},{"sentences":[{"text":"Perfect.","start":1514.94,"end":1515.34,"sentiment":"positive","sentiment_score":0.3673824071884155},{"text":"So let's go conservative one point a.","start":1515.34,"end":1517.9199,"sentiment":"neutral","sentiment_score":0.1855795830488205}],"sentiment":"neutral","sentiment_score":0.20830493606626987,"channel":0,"num_words":8,"start":1514.94,"end":1517.9199},{"sentences":[{"text":"Yeah.","start":1518.005,"end":1518.2451,"sentiment":"neutral","sentiment_score":0.11006224155426024},{"text":"Yep.","start":1518.2451,"end":1518.7451,"sentiment":"neutral","sentiment_score":0.05954354256391525}],"sentiment":"neutral","sentiment_score":0.08480289205908775,"channel":1,"num_words":2,"start":1518.005,"end":1518.7451},{"sentences":[{"text":"When you go more debt than 80% of your property value, they hit you with","start":1518.46,"end":1524.655,"sentiment":"neutral","sentiment_score":-0.167475430170695}],"sentiment":"neutral","sentiment_score":-0.167475430170695,"channel":0,"num_words":15,"start":1518.46,"end":1524.655},{"sentences":[{"text":"Mhmm.","start":1524.4601,"end":1524.9601,"sentiment":"neutral","sentiment_score":-0.10798770189285278}],"sentiment":"neutral","sentiment_score":-0.10798770189285278,"channel":1,"num_words":1,"start":1524.4601,"end":1524.9601},{"sentences":[{"text":"LMI, which is lenders mortgage insurance, which is essentially just an extra huge fee, which on your property value could be upwards of 25 to 50,000 that gets tacked onto the loan if you take on that much debt.","start":1524.655,"end":1538.435,"sentiment":"neutral","sentiment_score":-0.17208866087289956}],"sentiment":"neutral","sentiment_score":-0.17208866087289956,"channel":0,"num_words":39,"start":1524.655,"end":1538.435},{"sentences":[{"text":"Yep.","start":1539.02,"end":1539.52,"sentiment":"neutral","sentiment_score":0.06400749087333679}],"sentiment":"neutral","sentiment_score":0.06400749087333679,"channel":1,"num_words":1,"start":1539.02,"end":1539.52},{"sentences":[{"text":"If you go","start":1540.73,"end":1541.29,"sentiment":"neutral","sentiment_score":0.05011967569589615}],"sentiment":"neutral","sentiment_score":0.05011967569589615,"channel":0,"num_words":3,"start":1540.73,"end":1541.29},{"sentences":[{"text":"Okay.","start":1541.2649,"end":1541.7649,"sentiment":"neutral","sentiment_score":0.1019446700811386}],"sentiment":"neutral","sentiment_score":0.1019446700811386,"channel":1,"num_words":1,"start":1541.2649,"end":1541.7649},{"sentences":[{"text":"below 80%, you get the better interest rates and you get to avoid that huge fee, which essentially means you don't wanna go over about 1,400,000 worth of","start":1541.29,"end":1551.53,"sentiment":"neutral","sentiment_score":0.0668754813128284}],"sentiment":"neutral","sentiment_score":0.0668754813128284,"channel":0,"num_words":28,"start":1541.29,"end":1551.53},{"sentences":[{"text":"Yep.","start":1551.5049,"end":1552.0049,"sentiment":"neutral","sentiment_score":-0.004273600876331329}],"sentiment":"neutral","sentiment_score":-0.004273600876331329,"channel":1,"num_words":1,"start":1551.5049,"end":1552.0049},{"sentences":[{"text":"debt","start":1551.53,"end":1552.03,"sentiment":"neutral","sentiment_score":-0.012704089283943176}],"sentiment":"neutral","sentiment_score":-0.012704089283943176,"channel":0,"num_words":1,"start":1551.53,"end":1552.03},{"sentences":[{"text":"Yep.","start":1552.625,"end":1552.95,"sentiment":"neutral","sentiment_score":0.013343792408704758}],"sentiment":"neutral","sentiment_score":0.013343792408704758,"channel":1,"num_words":1,"start":1552.625,"end":1552.95},{"sentences":[{"text":"for the property values.","start":1552.9851,"end":1554.525,"sentiment":"neutral","sentiment_score":-0.01735007017850876}],"sentiment":"neutral","sentiment_score":-0.01735007017850876,"channel":0,"num_words":4,"start":1552.9851,"end":1554.525},{"sentences":[{"text":"Okay.","start":1555.4299,"end":1555.9299,"sentiment":"neutral","sentiment_score":0.09300246089696884}],"sentiment":"neutral","sentiment_score":0.09300246089696884,"channel":1,"num_words":1,"start":1555.4299,"end":1555.9299},{"sentences":[{"text":"Now if you're owing, let's say, $6.90 and you've got another","start":1556.9851,"end":1560.3451,"sentiment":"neutral","sentiment_score":0.07726688039573756}],"sentiment":"neutral","sentiment_score":0.07726688039573756,"channel":0,"num_words":11,"start":1556.9851,"end":1560.3451},{"sentences":[{"text":"Yep.","start":1560.07,"end":1560.57,"sentiment":"neutral","sentiment_score":0.08866487443447113}],"sentiment":"neutral","sentiment_score":0.08866487443447113,"channel":1,"num_words":1,"start":1560.07,"end":1560.57},{"sentences":[{"text":"700,000 of equity sitting there that you can use,","start":1560.3451,"end":1563.645,"sentiment":"neutral","sentiment_score":0.15898705770572027}],"sentiment":"neutral","sentiment_score":0.15898705770572027,"channel":0,"num_words":9,"start":1560.3451,"end":1563.645},{"sentences":[{"text":"Mhmm.","start":1564.23,"end":1564.73,"sentiment":"neutral","sentiment_score":0.13400661945343018}],"sentiment":"neutral","sentiment_score":0.13400661945343018,"channel":1,"num_words":1,"start":1564.23,"end":1564.73},{"sentences":[{"text":"You can use a few 100,000 of that as a deposit for the next place, and the next place is probably gonna be fully, like, full debt.","start":1564.36,"end":1573.8999,"sentiment":"neutral","sentiment_score":0.12467392396043848}],"sentiment":"neutral","sentiment_score":0.12467392396043848,"channel":0,"num_words":27,"start":1564.36,"end":1573.8999},{"sentences":[{"text":"Yeah.","start":1575.5751,"end":1575.975,"sentiment":"neutral","sentiment_score":0.09390737861394882},{"text":"Yeah.","start":1575.975,"end":1576.135,"sentiment":"neutral","sentiment_score":0.08438002318143845},{"text":"Yeah.","start":1576.135,"end":1576.615,"sentiment":"neutral","sentiment_score":0.07872168719768524},{"text":"Okay.","start":1576.615,"end":1577.115,"sentiment":"neutral","sentiment_score":0.0811300128698349}],"sentiment":"neutral","sentiment_score":0.08453477546572685,"channel":1,"num_words":4,"start":1575.5751,"end":1577.115},{"sentences":[{"text":"So I'll give you an example just briefly with with my property.","start":1578.215,"end":1581.355,"sentiment":"neutral","sentiment_score":0.08576210929701726},{"text":"So","start":1581.975,"end":1582.475,"sentiment":"neutral","sentiment_score":0.08982929587364197}],"sentiment":"neutral","sentiment_score":0.08607496980291146,"channel":0,"num_words":13,"start":1578.215,"end":1582.475},{"sentences":[{"text":"Yep.","start":1582.055,"end":1582.26,"sentiment":"neutral","sentiment_score":-0.006520822644233704}],"sentiment":"neutral","sentiment_score":-0.006520822644233704,"channel":1,"num_words":1,"start":1582.055,"end":1582.26},{"sentences":[{"text":"I bought this place in probably the, you know, worst street, worst suburb as a starter home many years ago, and it went from 340,000 up to 800,000.","start":1582.855,"end":1595.72,"sentiment":"neutral","sentiment_score":-0.10867937028940235}],"sentiment":"neutral","sentiment_score":-0.10867937028940235,"channel":0,"num_words":28,"start":1582.855,"end":1595.72},{"sentences":[{"text":"Mhmm.","start":1596.02,"end":1596.5,"sentiment":"neutral","sentiment_score":-0.0051086340099573135},{"text":"Yep.","start":1596.5,"end":1597.0,"sentiment":"neutral","sentiment_score":0.018222983926534653}],"sentiment":"neutral","sentiment_score":0.00655717495828867,"channel":1,"num_words":2,"start":1596.02,"end":1597.0},{"sentences":[{"text":"So we have that debt of a couple of $100.","start":1596.5,"end":1598.92,"sentiment":"neutral","sentiment_score":-0.05472281873226166},{"text":"We released a couple of 100,000 of equity to go buy another place in North Queensland, and that was about 600,000.","start":1599.38,"end":1606.84,"sentiment":"neutral","sentiment_score":0.01214297381894929},{"text":"So what we ended up with was our original mortgage sitting on the house, the","start":1607.555,"end":1613.395,"sentiment":"neutral","sentiment_score":0.0268003282447656}],"sentiment":"neutral","sentiment_score":0.002386504055365272,"channel":0,"num_words":46,"start":1596.5,"end":1613.395},{"sentences":[{"text":"Mhmm.","start":1613.07,"end":1613.57,"sentiment":"neutral","sentiment_score":0.025550520047545433}],"sentiment":"neutral","sentiment_score":0.025550520047545433,"channel":1,"num_words":1,"start":1613.07,"end":1613.57},{"sentences":[{"text":"deposit loan also sitting on the house, but","start":1613.395,"end":1616.995,"sentiment":"neutral","sentiment_score":0.0037157817278057337}],"sentiment":"neutral","sentiment_score":0.0037157817278057337,"channel":0,"num_words":8,"start":1613.395,"end":1616.995},{"sentences":[{"text":"Mhmm.","start":1616.9099,"end":1616.99,"sentiment":"neutral","sentiment_score":0.01476468425244093},{"text":"Yeah.","start":1616.99,"end":1617.49,"sentiment":"neutral","sentiment_score":0.06319001317024231}],"sentiment":"neutral","sentiment_score":0.03897734871134162,"channel":1,"num_words":2,"start":1616.9099,"end":1617.49},{"sentences":[{"text":"that is an investment loan because it's for investment purposes.","start":1616.995,"end":1620.615,"sentiment":"neutral","sentiment_score":0.042255545407533644}],"sentiment":"neutral","sentiment_score":0.042255545407533644,"channel":0,"num_words":10,"start":1616.995,"end":1620.615},{"sentences":[{"text":"Okay.","start":1621.3899,"end":1621.7899,"sentiment":"neutral","sentiment_score":0.062145061790943146},{"text":"Yeah.","start":1621.7899,"end":1622.2899,"sentiment":"neutral","sentiment_score":0.05902464687824249}],"sentiment":"neutral","sentiment_score":0.06058485433459282,"channel":1,"num_words":2,"start":1621.3899,"end":1622.2899},{"sentences":[{"text":"And then","start":1623.52,"end":1624.24,"sentiment":"neutral","sentiment_score":0.044828854501247406}],"sentiment":"neutral","sentiment_score":0.044828854501247406,"channel":0,"num_words":2,"start":1623.52,"end":1624.24},{"sentences":[{"text":"Okay.","start":1624.0299,"end":1624.5299,"sentiment":"neutral","sentiment_score":0.045158036053180695}],"sentiment":"neutral","sentiment_score":0.045158036053180695,"channel":1,"num_words":1,"start":1624.0299,"end":1624.5299},{"sentences":[{"text":"all of the debt on the investment property.","start":1624.24,"end":1626.58,"sentiment":"neutral","sentiment_score":0.00981355202384293},{"text":"So three loans, original","start":1627.12,"end":1629.0599,"sentiment":"neutral","sentiment_score":0.0684289326891303}],"sentiment":"neutral","sentiment_score":0.02935201224560539,"channel":0,"num_words":12,"start":1624.24,"end":1629.0599},{"sentences":[{"text":"Yep.","start":1629.085,"end":1629.585,"sentiment":"neutral","sentiment_score":0.08377479761838913}],"sentiment":"neutral","sentiment_score":0.08377479761838913,"channel":1,"num_words":1,"start":1629.085,"end":1629.585},{"sentences":[{"text":"mortgage, the deposit, and the investment loan.","start":1629.12,"end":1632.0,"sentiment":"neutral","sentiment_score":0.05808727762528828},{"text":"Does that make sense so far?","start":1632.0,"end":1633.5399,"sentiment":"neutral","sentiment_score":0.10914621874690056}],"sentiment":"neutral","sentiment_score":0.0816529427583401,"channel":0,"num_words":13,"start":1629.12,"end":1633.5399},{"sentences":[{"text":"Yeah.","start":1633.725,"end":1634.205,"sentiment":"neutral","sentiment_score":0.05404794216156006},{"text":"Yeah.","start":1634.205,"end":1634.365,"sentiment":"neutral","sentiment_score":0.06017369031906128},{"text":"Yeah.","start":1634.365,"end":1634.5249,"sentiment":"neutral","sentiment_score":0.06519979983568192},{"text":"Yeah.","start":1634.5249,"end":1634.765,"sentiment":"neutral","sentiment_score":0.07900065183639526},{"text":"Yeah.","start":1634.765,"end":1635.265,"sentiment":"neutral","sentiment_score":0.09513986855745316}],"sentiment":"neutral","sentiment_score":0.07071239054203034,"channel":1,"num_words":5,"start":1633.725,"end":1635.265},{"sentences":[{"text":"Yep.","start":1636.085,"end":1636.485,"sentiment":"neutral","sentiment_score":0.09135042876005171},{"text":"So then, basically,","start":1636.485,"end":1637.285,"sentiment":"neutral","sentiment_score":0.06653901934623718}],"sentiment":"neutral","sentiment_score":0.07274187169969082,"channel":0,"num_words":4,"start":1636.085,"end":1637.285},{"sentences":[{"text":"Mhmm.","start":1637.1,"end":1637.6,"sentiment":"neutral","sentiment_score":0.0557219460606575}],"sentiment":"neutral","sentiment_score":0.0557219460606575,"channel":1,"num_words":1,"start":1637.1,"end":1637.6},{"sentences":[{"text":"what that means is that my repayments for my home, if I used it for the deposit, they've jumped up a little bit because I've increased my debt to finance the next place.","start":1637.285,"end":1647.5449,"sentiment":"neutral","sentiment_score":-0.0778787172201908},{"text":"So that went up another 150 a week, so I had to factor that into","start":1647.7699,"end":1651.2899,"sentiment":"neutral","sentiment_score":-0.03903130292892456}],"sentiment":"neutral","sentiment_score":-0.0657389002541701,"channel":0,"num_words":48,"start":1637.285,"end":1651.2899},{"sentences":[{"text":"Mhmm.","start":1651.02,"end":1651.52,"sentiment":"neutral","sentiment_score":-0.027444303035736084}],"sentiment":"neutral","sentiment_score":-0.027444303035736084,"channel":1,"num_words":1,"start":1651.02,"end":1651.52},{"sentences":[{"text":"the budget.","start":1651.2899,"end":1651.87,"sentiment":"neutral","sentiment_score":-0.04737696424126625},{"text":"And then on","start":1652.0099,"end":1652.57,"sentiment":"neutral","sentiment_score":0.031885494788487755}],"sentiment":"neutral","sentiment_score":0.00018051117658615112,"channel":0,"num_words":5,"start":1651.2899,"end":1652.57},{"sentences":[{"text":"Yep.","start":1652.5399,"end":1652.835,"sentiment":"neutral","sentiment_score":0.02768128737807274}],"sentiment":"neutral","sentiment_score":0.02768128737807274,"channel":1,"num_words":1,"start":1652.5399,"end":1652.835},{"sentences":[{"text":"the second hand, the rent that I'm getting from the investment property, does that cover the loan on that investment property that it's","start":1652.57,"end":1660.4099,"sentiment":"neutral","sentiment_score":0.0003161517012378444}],"sentiment":"neutral","sentiment_score":0.0003161517012378444,"channel":0,"num_words":23,"start":1652.57,"end":1660.4099},{"sentences":[{"text":"Yeah.","start":1661.5549,"end":1662.0549,"sentiment":"neutral","sentiment_score":0.02041381597518921},{"text":"Okay.","start":1662.115,"end":1662.615,"sentiment":"neutral","sentiment_score":0.02083294652402401}],"sentiment":"neutral","sentiment_score":0.02062338124960661,"channel":1,"num_words":2,"start":1661.5549,"end":1662.615},{"sentences":[{"text":"k?","start":1664.2151,"end":1664.7151,"sentiment":"neutral","sentiment_score":0.01244758628308773},{"text":"The","start":1664.935,"end":1665.0951,"sentiment":"neutral","sentiment_score":0.02100728079676628}],"sentiment":"neutral","sentiment_score":0.016727433539927006,"channel":0,"num_words":2,"start":1664.2151,"end":1665.0951},{"sentences":[{"text":"Okay.","start":1665.075,"end":1665.39,"sentiment":"neutral","sentiment_score":0.02555057778954506}],"sentiment":"neutral","sentiment_score":0.02555057778954506,"channel":1,"num_words":1,"start":1665.075,"end":1665.39},{"sentences":[{"text":"last thing I wanna say is a good kind of rule of thumb is let's say you buy a, let's just say, use an investment property for $800,000","start":1665.0951,"end":1677.2899,"sentiment":"neutral","sentiment_score":0.05519125929900578}],"sentiment":"neutral","sentiment_score":0.05519125929900578,"channel":0,"num_words":28,"start":1665.0951,"end":1677.2899},{"sentences":[{"text":"Yep.","start":1677.9501,"end":1678.335,"sentiment":"neutral","sentiment_score":0.02770419977605343}],"sentiment":"neutral","sentiment_score":0.02770419977605343,"channel":1,"num_words":1,"start":1677.9501,"end":1678.335},{"sentences":[{"text":"as an example.","start":1678.07,"end":1678.97,"sentiment":"neutral","sentiment_score":0.021116085971395176},{"text":"If you use the $200,000 deposit from your main home and you now owe 600,000 on the investment property, you kind of wanna be getting at least $800 a week in rent.","start":1679.9099,"end":1694.385,"sentiment":"neutral","sentiment_score":0.00690678451792337},{"text":"So 800,000, 800 a week, 900,900 a week.","start":1694.525,"end":1698.465,"sentiment":"neutral","sentiment_score":0.02854351350106299}],"sentiment":"neutral","sentiment_score":0.011923569081307844,"channel":0,"num_words":43,"start":1678.07,"end":1698.465},{"sentences":[{"text":"Yeah.","start":1699.7899,"end":1700.03,"sentiment":"neutral","sentiment_score":0.09997434914112092},{"text":"Okay.","start":1700.03,"end":1700.53,"sentiment":"neutral","sentiment_score":0.12191462516784668}],"sentiment":"neutral","sentiment_score":0.1109444871544838,"channel":1,"num_words":2,"start":1699.7899,"end":1700.53},{"sentences":[{"text":"What that basically does, it means you're getting a 5% rental return on","start":1700.4299,"end":1705.7899,"sentiment":"neutral","sentiment_score":0.18173487713703743}],"sentiment":"neutral","sentiment_score":0.18173487713703743,"channel":0,"num_words":13,"start":1700.4299,"end":1705.7899},{"sentences":[{"text":"Yeah.","start":1705.7899,"end":1706.055,"sentiment":"neutral","sentiment_score":0.13950133323669434}],"sentiment":"neutral","sentiment_score":0.13950133323669434,"channel":1,"num_words":1,"start":1705.7899,"end":1706.055},{"sentences":[{"text":"the value of the","start":1705.7899,"end":1706.6699,"sentiment":"neutral","sentiment_score":0.14046970382332802}],"sentiment":"neutral","sentiment_score":0.14046970382332802,"channel":0,"num_words":4,"start":1705.7899,"end":1706.6699},{"sentences":[{"text":"Okay.","start":1706.6151,"end":1707.1151,"sentiment":"neutral","sentiment_score":0.10078903287649156}],"sentiment":"neutral","sentiment_score":0.10078903287649156,"channel":1,"num_words":1,"start":1706.6151,"end":1707.1151},{"sentences":[{"text":"whole property.","start":1706.6699,"end":1707.6499,"sentiment":"neutral","sentiment_score":0.0761413685977459},{"text":"And because the loan is only 600,000 on that side, the","start":1710.75,"end":1714.725,"sentiment":"neutral","sentiment_score":0.11079480769959363}],"sentiment":"neutral","sentiment_score":0.10546350937623244,"channel":0,"num_words":13,"start":1706.6699,"end":1714.725},{"sentences":[{"text":"Yeah.","start":1714.6951,"end":1715.1951,"sentiment":"neutral","sentiment_score":0.13190308213233948}],"sentiment":"neutral","sentiment_score":0.13190308213233948,"channel":1,"num_words":1,"start":1714.6951,"end":1715.1951},{"sentences":[{"text":"800 a week should be able to cover the loan,","start":1714.725,"end":1717.545,"sentiment":"neutral","sentiment_score":0.15487036108970642}],"sentiment":"neutral","sentiment_score":0.15487036108970642,"channel":0,"num_words":10,"start":1714.725,"end":1717.545},{"sentences":[{"text":"How about the mortgage?","start":1717.175,"end":1718.19,"sentiment":"neutral","sentiment_score":0.036604384891688824}],"sentiment":"neutral","sentiment_score":0.036604384891688824,"channel":1,"num_words":4,"start":1717.175,"end":1718.19},{"sentences":[{"text":"the agent's","start":1718.005,"end":1718.725,"sentiment":"neutral","sentiment_score":0.018311655148863792}],"sentiment":"neutral","sentiment_score":0.018311655148863792,"channel":0,"num_words":2,"start":1718.005,"end":1718.725},{"sentences":[{"text":"Yeah.","start":1718.35,"end":1718.85,"sentiment":"neutral","sentiment_score":0.011708560399711132}],"sentiment":"neutral","sentiment_score":0.011708560399711132,"channel":1,"num_words":1,"start":1718.35,"end":1718.85},{"sentences":[{"text":"fees, the","start":1718.725,"end":1720.005,"sentiment":"neutral","sentiment_score":0.005459444597363472}],"sentiment":"neutral","sentiment_score":0.005459444597363472,"channel":0,"num_words":2,"start":1718.725,"end":1720.005},{"sentences":[{"text":"Yeah.","start":1719.95,"end":1720.45,"sentiment":"neutral","sentiment_score":0.005826991051435471}],"sentiment":"neutral","sentiment_score":0.005826991051435471,"channel":1,"num_words":1,"start":1719.95,"end":1720.45},{"sentences":[{"text":"insurances, and so on.","start":1720.005,"end":1721.545,"sentiment":"neutral","sentiment_score":0.01399413141189143}],"sentiment":"neutral","sentiment_score":0.01399413141189143,"channel":0,"num_words":4,"start":1720.005,"end":1721.545},{"sentences":[{"text":"Right.","start":1722.2699,"end":1722.5099,"sentiment":"neutral","sentiment_score":0.030747270211577415},{"text":"So you're basically just only paying for a 100 or whatever it is that you're paying on your personal loan because of the what's","start":1722.5099,"end":1737.1649,"sentiment":"neutral","sentiment_score":0.01577491344263156}],"sentiment":"neutral","sentiment_score":0.016373807713389397,"channel":1,"num_words":25,"start":1722.2699,"end":1737.1649},{"sentences":[{"text":"For that","start":1736.98,"end":1737.3,"sentiment":"neutral","sentiment_score":0.006205565296113491}],"sentiment":"neutral","sentiment_score":0.006205565296113491,"channel":0,"num_words":2,"start":1736.98,"end":1737.3},{"sentences":[{"text":"the","start":1737.1649,"end":1737.325,"sentiment":"neutral","sentiment_score":0.0027100946754217148}],"sentiment":"neutral","sentiment_score":0.0027100946754217148,"channel":1,"num_words":1,"start":1737.1649,"end":1737.325},{"sentences":[{"text":"deposit.","start":1737.3,"end":1737.8,"sentiment":"neutral","sentiment_score":0.0010550851002335548}],"sentiment":"neutral","sentiment_score":0.0010550851002335548,"channel":0,"num_words":1,"start":1737.3,"end":1737.8},{"sentences":[{"text":"code?","start":1737.325,"end":1737.825,"sentiment":"neutral","sentiment_score":0.004914787597954273},{"text":"Yeah.","start":1738.365,"end":1738.6849,"sentiment":"neutral","sentiment_score":0.020761286839842796},{"text":"For that deposit.","start":1738.6849,"end":1739.565,"sentiment":"neutral","sentiment_score":0.017848491358260315},{"text":"Yeah.","start":1739.565,"end":1739.8849,"sentiment":"neutral","sentiment_score":0.051098085939884186},{"text":"Yeah.","start":1739.8849,"end":1740.3849,"sentiment":"neutral","sentiment_score":0.06718310713768005}],"sentiment":"neutral","sentiment_score":0.02821467737002032,"channel":1,"num_words":7,"start":1737.325,"end":1740.3849},{"sentences":[{"text":"Yep.","start":1740.9249,"end":1741.4249,"sentiment":"neutral","sentiment_score":0.09390610456466676}],"sentiment":"neutral","sentiment_score":0.09390610456466676,"channel":0,"num_words":1,"start":1740.9249,"end":1741.4249},{"sentences":[{"text":"Okay.","start":1741.8049,"end":1742.3049,"sentiment":"neutral","sentiment_score":0.1264912188053131}],"sentiment":"neutral","sentiment_score":0.1264912188053131,"channel":1,"num_words":1,"start":1741.8049,"end":1742.3049},{"sentences":[{"text":"Exactly right.","start":1741.8049,"end":1742.865,"sentiment":"neutral","sentiment_score":0.10584449023008347},{"text":"The other thing is obviously consider things like like repairs, vacancy, and all that kind of thing.","start":1743.005,"end":1749.085,"sentiment":"neutral","sentiment_score":-0.023786709698684076},{"text":"So anything above that 800,800 a week, that pushes you more into the positively geared.","start":1749.085,"end":1755.09,"sentiment":"neutral","sentiment_score":-0.02263770451148351},{"text":"If you're getting below that, you're gonna be hitting negative gearing.","start":1755.47,"end":1759.33,"sentiment":"neutral","sentiment_score":-0.25867849588394165},{"text":"And unless","start":1759.63,"end":1760.27,"sentiment":"neutral","sentiment_score":-0.08365527167916298}],"sentiment":"neutral","sentiment_score":-0.07542605638662551,"channel":0,"num_words":47,"start":1741.8049,"end":1760.27},{"sentences":[{"text":"Yeah.","start":1759.9501,"end":1760.4501,"sentiment":"neutral","sentiment_score":-0.07565443217754364}],"sentiment":"neutral","sentiment_score":-0.07565443217754364,"channel":1,"num_words":1,"start":1759.9501,"end":1760.4501},{"sentences":[{"text":"it's a new property because of the new changes that are gonna come through,","start":1760.27,"end":1763.81,"sentiment":"neutral","sentiment_score":-0.0850931177181857}],"sentiment":"neutral","sentiment_score":-0.0850931177181857,"channel":0,"num_words":14,"start":1760.27,"end":1763.81},{"sentences":[{"text":"Yep.","start":1763.705,"end":1764.205,"sentiment":"neutral","sentiment_score":-0.06518039107322693}],"sentiment":"neutral","sentiment_score":-0.06518039107322693,"channel":1,"num_words":1,"start":1763.705,"end":1764.205},{"sentences":[{"text":"you're not gonna be able to claim it on your tax.","start":1763.87,"end":1765.935,"sentiment":"neutral","sentiment_score":-0.14223273708061737}],"sentiment":"neutral","sentiment_score":-0.14223273708061737,"channel":0,"num_words":11,"start":1763.87,"end":1765.935},{"sentences":[{"text":"Yeah.","start":1766.745,"end":1767.245,"sentiment":"neutral","sentiment_score":0.095695361495018},{"text":"Yeah.","start":1767.3849,"end":1767.8849,"sentiment":"neutral","sentiment_score":0.14317047595977783},{"text":"Yep.","start":1768.505,"end":1769.005,"sentiment":"neutral","sentiment_score":0.26224249601364136}],"sentiment":"neutral","sentiment_score":0.16703611115614572,"channel":1,"num_words":3,"start":1766.745,"end":1769.005},{"sentences":[{"text":"So newly built or one that you build, that's great.","start":1769.935,"end":1773.155,"sentiment":"positive","sentiment_score":0.5066509217023849}],"sentiment":"positive","sentiment_score":0.5066509217023849,"channel":0,"num_words":10,"start":1769.935,"end":1773.155},{"sentences":[{"text":"Mhmm.","start":1773.705,"end":1774.205,"sentiment":"neutral","sentiment_score":0.08781810849905014}],"sentiment":"neutral","sentiment_score":0.08781810849905014,"channel":1,"num_words":1,"start":1773.705,"end":1774.205},{"sentences":[{"text":"But then just, you know, double check with your accountant about what that's gonna look like while it's being built.","start":1773.775,"end":1779.4751,"sentiment":"neutral","sentiment_score":-0.03343341844156385},{"text":"But generally speaking, if you can get that amount of rent for that amount of property and keep it either just negatively geared, then you don't have to","start":1779.84,"end":1787.76,"sentiment":"neutral","sentiment_score":-0.0594196097393121}],"sentiment":"neutral","sentiment_score":-0.048592030031917,"channel":0,"num_words":48,"start":1773.775,"end":1787.76},{"sentences":[{"text":"Yeah.","start":1787.74,"end":1788.045,"sentiment":"neutral","sentiment_score":-0.08799338340759277}],"sentiment":"neutral","sentiment_score":-0.08799338340759277,"channel":1,"num_words":1,"start":1787.74,"end":1788.045},{"sentences":[{"text":"put too much of a bill, or positively geared, you should be okay.","start":1787.76,"end":1792.58,"sentiment":"neutral","sentiment_score":-0.14732169818419677},{"text":"Anything worse than that, you're gonna give yourself a lot of grief for about","start":1793.025,"end":1796.385,"sentiment":"negative","sentiment_score":-0.4790841873203005}],"sentiment":"neutral","sentiment_score":-0.31934669255106535,"channel":0,"num_words":27,"start":1787.76,"end":1796.385},{"sentences":[{"text":"Mhmm.","start":1796.365,"end":1796.865,"sentiment":"neutral","sentiment_score":-0.24910566210746765}],"sentiment":"neutral","sentiment_score":-0.24910566210746765,"channel":1,"num_words":1,"start":1796.365,"end":1796.865},{"sentences":[{"text":"three to five years before it does anything.","start":1796.385,"end":1798.405,"sentiment":"neutral","sentiment_score":-0.2249756809324026}],"sentiment":"neutral","sentiment_score":-0.2249756809324026,"channel":0,"num_words":8,"start":1796.385,"end":1798.405},{"sentences":[{"text":"Yeah.","start":1798.045,"end":1798.545,"sentiment":"neutral","sentiment_score":-0.07433624565601349},{"text":"Okay.","start":1800.125,"end":1800.625,"sentiment":"neutral","sentiment_score":-0.05077226459980011}],"sentiment":"neutral","sentiment_score":-0.0625542551279068,"channel":1,"num_words":2,"start":1798.045,"end":1800.625},{"sentences":[{"text":"K?","start":1802.0651,"end":1802.545,"sentiment":"neutral","sentiment_score":-0.0546320341527462},{"text":"So I've kind of just dumped about six things at you on one go, but I just wanted to give you that idea of you go to the lenders in the bank or the broker, you figure out your 80%, find the property, what does it rent for, have a bit of a calculation on how negatively or positively geared it might be, and what that might do to your your family budget","start":1802.545,"end":1823.685,"sentiment":"neutral","sentiment_score":-0.048624487963747486}],"sentiment":"neutral","sentiment_score":-0.04870567102035558,"channel":0,"num_words":74,"start":1802.0651,"end":1823.685},{"sentences":[{"text":"Mhmm.","start":1823.985,"end":1824.485,"sentiment":"neutral","sentiment_score":-0.03135664016008377},{"text":"Okay.","start":1824.785,"end":1825.265,"sentiment":"neutral","sentiment_score":0.007181614637374878}],"sentiment":"neutral","sentiment_score":-0.012087512761354446,"channel":1,"num_words":2,"start":1823.985,"end":1825.265},{"sentences":[{"text":"to borrow","start":1824.865,"end":1825.425,"sentiment":"neutral","sentiment_score":0.0034012068063020706}],"sentiment":"neutral","sentiment_score":0.0034012068063020706,"channel":0,"num_words":2,"start":1824.865,"end":1825.425},{"sentences":[{"text":"Yep.","start":1825.265,"end":1825.765,"sentiment":"neutral","sentiment_score":0.02332473360002041}],"sentiment":"neutral","sentiment_score":0.02332473360002041,"channel":1,"num_words":1,"start":1825.265,"end":1825.765},{"sentences":[{"text":"to get that.","start":1825.425,"end":1826.325,"sentiment":"neutral","sentiment_score":0.04970107972621918}],"sentiment":"neutral","sentiment_score":0.04970107972621918,"channel":0,"num_words":3,"start":1825.425,"end":1826.325},{"sentences":[{"text":"Yep.","start":1826.9451,"end":1827.4451,"sentiment":"neutral","sentiment_score":0.04999515414237976}],"sentiment":"neutral","sentiment_score":0.04999515414237976,"channel":1,"num_words":1,"start":1826.9451,"end":1827.4451},{"sentences":[{"text":"Okay?","start":1827.025,"end":1827.525,"sentiment":"neutral","sentiment_score":0.04503589868545532}],"sentiment":"neutral","sentiment_score":0.04503589868545532,"channel":0,"num_words":1,"start":1827.025,"end":1827.525},{"sentences":[{"text":"Okay.","start":1828.0651,"end":1828.41,"sentiment":"neutral","sentiment_score":0.05292949825525284}],"sentiment":"neutral","sentiment_score":0.05292949825525284,"channel":1,"num_words":1,"start":1828.0651,"end":1828.41},{"sentences":[{"text":"Now outside of that, if you ever need a broker, buyer's agent, whatever you need, like, we've obviously got a network of people across the country, just","start":1829.025,"end":1837.0599,"sentiment":"neutral","sentiment_score":0.07150102965533733}],"sentiment":"neutral","sentiment_score":0.07150102965533733,"channel":0,"num_words":27,"start":1829.025,"end":1837.0599},{"sentences":[{"text":"Okay.","start":1836.89,"end":1837.39,"sentiment":"neutral","sentiment_score":0.1132565587759018}],"sentiment":"neutral","sentiment_score":0.1132565587759018,"channel":1,"num_words":1,"start":1836.89,"end":1837.39},{"sentences":[{"text":"let me know and I can get you a referral.","start":1837.0599,"end":1839.0,"sentiment":"neutral","sentiment_score":0.1714891366660595},{"text":"If you've already got someone, happy with that.","start":1839.22,"end":1841.48,"sentiment":"neutral","sentiment_score":0.1936703845858574}],"sentiment":"neutral","sentiment_score":0.18134746907485855,"channel":0,"num_words":18,"start":1837.0599,"end":1841.48},{"sentences":[{"text":"Yeah.","start":1842.01,"end":1842.41,"sentiment":"neutral","sentiment_score":0.15450996160507202},{"text":"No worries.","start":1842.41,"end":1843.05,"sentiment":"neutral","sentiment_score":0.23179754614830017},{"text":"Okay.","start":1843.05,"end":1843.55,"sentiment":"neutral","sentiment_score":0.3074248433113098}],"sentiment":"neutral","sentiment_score":0.23138247430324554,"channel":1,"num_words":4,"start":1842.01,"end":1843.55},{"sentences":[{"text":"Cool.","start":1845.22,"end":1845.62,"sentiment":"positive","sentiment_score":0.4996722340583801}],"sentiment":"positive","sentiment_score":0.4996722340583801,"channel":0,"num_words":1,"start":1845.22,"end":1845.62},{"sentences":[{"text":"Perfect.","start":1845.585,"end":1846.085,"sentiment":"positive","sentiment_score":0.3876444697380066}],"sentiment":"positive","sentiment_score":0.3876444697380066,"channel":1,"num_words":1,"start":1845.585,"end":1846.085},{"sentences":[{"text":"Any questions on that?","start":1845.62,"end":1846.9199,"sentiment":"neutral","sentiment_score":-0.03521551378071308}],"sentiment":"neutral","sentiment_score":-0.03521551378071308,"channel":0,"num_words":4,"start":1845.62,"end":1846.9199},{"sentences":[{"text":"No.","start":1847.185,"end":1847.505,"sentiment":"negative","sentiment_score":-0.34342485666275024},{"text":"No.","start":1847.505,"end":1847.745,"sentiment":"negative","sentiment_score":-0.482124924659729},{"text":"Not working.","start":1847.745,"end":1848.485,"sentiment":"negative","sentiment_score":-0.559873104095459}],"sentiment":"negative","sentiment_score":-0.4863239973783493,"channel":1,"num_words":4,"start":1847.185,"end":1848.485},{"sentences":[{"text":"Sensational.","start":1850.5549,"end":1851.0549,"sentiment":"negative","sentiment_score":-0.4415053427219391},{"text":"So, Janet, mate, if you're okay for the team to reach out over the next couple of weeks just to get that colonial research fixed up for me, I will","start":1851.195,"end":1858.395,"sentiment":"neutral","sentiment_score":0.10572848127533992}],"sentiment":"neutral","sentiment_score":0.08807577727542769,"channel":0,"num_words":31,"start":1850.5549,"end":1858.395},{"sentences":[{"text":"Yep.","start":1858.27,"end":1858.77,"sentiment":"neutral","sentiment_score":0.10088534653186798}],"sentiment":"neutral","sentiment_score":0.10088534653186798,"channel":1,"num_words":1,"start":1858.27,"end":1858.77},{"sentences":[{"text":"pretty much be speaking to you end of June, and I'll kind of let you know what the recommendations are from there.","start":1858.395,"end":1864.87,"sentiment":"neutral","sentiment_score":0.2131721180948344}],"sentiment":"neutral","sentiment_score":0.2131721180948344,"channel":0,"num_words":22,"start":1858.395,"end":1864.87},{"sentences":[{"text":"Okay.","start":1865.15,"end":1865.31,"sentiment":"neutral","sentiment_score":0.2550418972969055},{"text":"Alright.","start":1865.31,"end":1865.63,"sentiment":"positive","sentiment_score":0.3971551060676574},{"text":"Sounds good then.","start":1865.63,"end":1866.61,"sentiment":"positive","sentiment_score":0.7197557091712952}],"sentiment":"positive","sentiment_score":0.5622928261756897,"channel":1,"num_words":5,"start":1865.15,"end":1866.61},{"sentences":[{"text":"Awesome.","start":1867.65,"end":1868.15,"sentiment":"positive","sentiment_score":0.8097461462020874},{"text":"Have a fantastic","start":1868.37,"end":1869.27,"sentiment":"positive","sentiment_score":0.7517210046450297}],"sentiment":"positive","sentiment_score":0.7662272900342941,"channel":0,"num_words":4,"start":1867.65,"end":1869.27},{"sentences":[{"text":"Okay.","start":1868.99,"end":1869.255,"sentiment":"positive","sentiment_score":0.4940717816352844}],"sentiment":"positive","sentiment_score":0.4940717816352844,"channel":1,"num_words":1,"start":1868.99,"end":1869.255},{"sentences":[{"text":"day.","start":1869.41,"end":1869.73,"sentiment":"positive","sentiment_score":0.43853896856307983},{"text":"If you have any trouble with that digital email, just call through and the team can walk you through it.","start":1869.73,"end":1874.2769,"sentiment":"neutral","sentiment_score":0.2805564202368259}],"sentiment":"neutral","sentiment_score":0.2880793987285523,"channel":0,"num_words":21,"start":1869.41,"end":1874.2769},{"sentences":[{"text":"Perfect.","start":1874.855,"end":1875.175,"sentiment":"positive","sentiment_score":0.6892367601394653},{"text":"No worries.","start":1875.175,"end":1875.655,"sentiment":"positive","sentiment_score":0.4612571597099304},{"text":"Thanks for reaching out.","start":1875.655,"end":1876.795,"sentiment":"positive","sentiment_score":0.6821139454841614}],"sentiment":"positive","sentiment_score":0.6200295516422817,"channel":1,"num_words":7,"start":1874.855,"end":1876.795},{"sentences":[{"text":"No worries at all, mate.","start":1877.5569,"end":1878.5168,"sentiment":"neutral","sentiment_score":0.32206147313117983},{"text":"I'll talk to you again soon.","start":1878.5168,"end":1879.6569,"sentiment":"positive","sentiment_score":0.416906679670016}],"sentiment":"positive","sentiment_score":0.37379522215236316,"channel":0,"num_words":11,"start":1877.5569,"end":1879.6569},{"sentences":[{"text":"Alright.","start":1879.895,"end":1880.135,"sentiment":"neutral","sentiment_score":0.2897748649120331},{"text":"Thanks.","start":1880.135,"end":1880.615,"sentiment":"positive","sentiment_score":0.5712552666664124},{"text":"Bye.","start":1880.615,"end":1881.115,"sentiment":"positive","sentiment_score":0.34723204374313354}],"sentiment":"positive","sentiment_score":0.4027540584405263,"channel":1,"num_words":3,"start":1879.895,"end":1881.115},{"sentences":[{"text":"Thanks.","start":1881.5569,"end":1881.9569,"sentiment":"positive","sentiment_score":0.5764892101287842},{"text":"Bye.","start":1881.9569,"end":1882.4569,"sentiment":"neutral","sentiment_score":-0.10436324030160904}],"sentiment":"neutral","sentiment_score":0.23606298491358757,"channel":0,"num_words":2,"start":1881.5569,"end":1882.4569}]},"summary":{"result":"success","short":"During a call with a senior adviser from ASIC, the adviser confirms personal information and updates the customer's financial profile, including their main residence and two cars. They discuss negative gearing capital gain and recent financial performance, including investment opportunities. The adviser provides guidance on retirement goals and retirement goals for high growth risks, and advises the customer to consider switching from a certain portfolio. They also discuss the benefits of a life insurance policy and emphasize the importance of maintaining credit scores. The speaker provides advice on updating an email address and researching a potential broker for recommendations."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review, sir. Okay.","start_word":24,"end_word":37,"intents":[{"intent":"Review annual reports","confidence_score":0.02398551}]},{"text":"And just while that's coming through to you now, it's through our new system that we built, so it should come through to your main inbox pretty quickly. Okay.","start_word":330,"end_word":358,"intents":[{"intent":"Understand misunderstanding","confidence_score":0.000011838253}]},{"text":"I'm just checking my spam. Tommy yep.","start_word":358,"end_word":364,"intents":[{"intent":"Check spam","confidence_score":0.7270296}]},{"text":"Now while I've got the details open in front of me there, so no change in address or phone number, email address. We had you at the last review as a production manager on about 118,000. Is that still correct? Yeah. Yeah.","start_word":370,"end_word":411,"intents":[{"intent":"Confirm address","confidence_score":0.048821636}]},{"text":"I think you were putting aside around about $2.50 a week, and the main goal that I have listed down is basically investing in property. You were kind of building a home at the time. Is that correct? Yeah.","start_word":414,"end_word":452,"intents":[{"intent":"Discuss investments","confidence_score":0.0020491744},{"intent":"Clarify income","confidence_score":0.00096482306}]},{"text":"If you want any information on it, I know they're kind of whittling down the options a little bit, but if there's anything we can do to help, just let us know. Mhmm. Yeah.","start_word":592,"end_word":625,"intents":[{"intent":"Obtain information","confidence_score":0.002532261},{"intent":"Offer help","confidence_score":0.019516876}]},{"text":"see a summary of Subaru Insurance is the main one I wanna focus on. So I'm just it's just basically saying it's fine document. Is that the one starting to do? I haven't No.","start_word":669,"end_word":702,"intents":[{"intent":"Analyze insurance update","confidence_score":0.00009190954}]},{"text":"So NetWell super asset performance detail. Yeah? Yep. That's the one. You should see a lovely blue table smattered with about 50 different numbers and figures all over. Yep.","start_word":1037,"end_word":1065,"intents":[{"intent":"Provide performance details","confidence_score":0.00069770927}]},{"text":"So generally speaking, if it depends on the retirement goal. Right? If you're trying to retire earlier with a higher balance, you've got to kind of grow up fast enough to have enough there to retire on. But you don't wanna be sitting there in a high risk level, and you're 64 and the market wipes throughout just before you ever retire. Yeah.","start_word":1579,"end_word":1641,"intents":[{"intent":"Discuss retirement goals and retirement goals","confidence_score":0.0007327145}]},{"text":"Now what my advice would be at the moment, the the the other two things I want to brag with you, is when I look at the portfolio with that one option being switched out, overall, it looks really good. Yes.","start_word":1956,"end_word":1996,"intents":[{"intent":"Discuss portfolio decision","confidence_score":0.081062466}]},{"text":"Now outside of that, though, the other two questions I wanted to broach with you is I like the portfolio. Do you want me to look at any like, you've been in Netwealth for for almost six years now with O. Q.","start_word":2236,"end_word":2277,"intents":[{"intent":"Review portfolio preferences","confidence_score":0.05878835}]},{"text":"okay with that idea for me to do a, like, a bit of a comparison between the two and look at a bit of a sweep across? I think, yes. I'd like to also understand in terms of now in Colonial, like, you'll be able to compare to see where I've lost in Colonial as well. Right? Yeah.","start_word":2584,"end_word":2641,"intents":[{"intent":"Compare accounts","confidence_score":0.0038779725}]},{"text":"It's like $800 a year. You've got just under half a mil of life and CPD insurance for disability, and Yes. your income protection, they've been slowly increasing it with inflation to try and keep Okay.","start_word":3064,"end_word":3099,"intents":[{"intent":"Fix cost issue","confidence_score":0.0000016924508}]},{"text":"and they usually cover you for 75% for an old policy before 2021. So it's protecting you for an income of a 133,000. Okay.","start_word":3207,"end_word":3230,"intents":[{"intent":"Evaluate policy coverage","confidence_score":0.0021742706}]},{"text":"And, basically, what I wanna do is I'll do that, update a comparison for Sure. you.","start_word":3484,"end_word":3499,"intents":[{"intent":"Update comparison","confidence_score":0.36240596}]},{"text":"Just in terms of estate planning, did you end up putting in place a will and power of attorney? Power returning?","start_word":3566,"end_word":3586,"intents":[{"intent":"Inquire about will and power of attorney","confidence_score":0.0023577986},{"intent":"Inquire about will and power of attorney","confidence_score":0.1673454},{"intent":"Inquire about will and power of attorney","confidence_score":0.21023811},{"intent":"Confirm power of attorney","confidence_score":0.0052831164},{"intent":"Inquire about will and power of attorney","confidence_score":0.10799764}]},{"text":"If you have any questions on that anytime, I just let me know. But I just Yep. thought I'd give you a couple options there if that helps. Yep.","start_word":3751,"end_word":3779,"intents":[{"intent":"Consider test","confidence_score":0.0000018541695},{"intent":"Offer assistance","confidence_score":0.10875246}]},{"text":"So I'll get the team to kind of reach out for that research on Colonial.","start_word":3782,"end_word":3796,"intents":[{"intent":"Discuss research","confidence_score":0.016542895}]},{"text":"Now just given the time that it takes them to, a, update the email address if they need to, Yep. approve Yep.","start_word":3819,"end_word":3840,"intents":[{"intent":"Update email","confidence_score":0.36318657}]},{"text":"than that, are we touching on it again when we do the updated plan just to make sure you're actually happy with what I'm proposing and can Yep. give you consent then as well.","start_word":3969,"end_word":4002,"intents":[{"intent":"Ask for consent","confidence_score":0.031306572}]},{"text":"Any questions for me so far, mate? No.","start_word":4005,"end_word":4012,"intents":[{"intent":"Discuss questions","confidence_score":0.04443519},{"intent":"Provide assistance","confidence_score":0.0007240647}]},{"text":"Not at this stage.","start_word":4013,"end_word":4016,"intents":[{"intent":"Apologize for inconvenience","confidence_score":0.0012349382}]},{"text":"So that's essentially loan to value ratio. So when the bank does the lending, they go, how much debt are we talking about or how much assets that are being put up as security? So I've got the previous value at 1,500,000. I was gonna do a bit of an update online just to see if that's jumped up a little bit, but do you know what the value might be right now? Mhmm.","start_word":4261,"end_word":4334,"intents":[{"intent":"Evaluate lvr value","confidence_score":0.0016566244}]},{"text":"Does that make sense so far? Yeah.","start_word":4647,"end_word":4653,"intents":[{"intent":"Inquire about mortgage","confidence_score":0.0008888178}]},{"text":"But then just, you know, double check with your accountant about what that's gonna look like while it's being built. But generally speaking, if you can get that amount of rent for that amount of property and keep it either just negatively geared, then you don't have to Yeah.","start_word":5003,"end_word":5051,"intents":[{"intent":"Resolve rental issues","confidence_score":0.0012531029}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Shannon. It's Tommy here, senior adviser from. How are you doing? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.19813090562820437},{"text":"Good. Thanks, Bill. Fantastic. Living the dream so far.","start_word":15,"end_word":23,"sentiment":"positive","sentiment_score":0.7053436636924744},{"text":"I'm just giving you a call to go through your annual review, sir. Okay. Yeah.","start_word":24,"end_word":38,"sentiment":"neutral","sentiment_score":0.25904786586761475},{"text":"Perfect.","start_word":39,"end_word":39,"sentiment":"positive","sentiment_score":0.3668025732040405},{"text":"Have you got a bit of twenty minutes or so for me? Yeah. Yeah. That's fine.","start_word":40,"end_word":55,"sentiment":"neutral","sentiment_score":0.16364431381225586},{"text":"Perfect. Perfect.","start_word":56,"end_word":57,"sentiment":"positive","sentiment_score":0.5373231172561646},{"text":"So I've got a bit of an annual review pack that I'm gonna get sent through to your email address. I'm just gonna go through a quick security check with you, and then we can jump into it together. I'll update a few details, and we'll kind of see if we need to update any of the strategies, if that's alright. Yeah. That one looks fine.","start_word":58,"end_word":123,"sentiment":"neutral","sentiment_score":0.19893985986709595},{"text":"Fantastic.","start_word":124,"end_word":124,"sentiment":"positive","sentiment_score":0.509909987449646},{"text":"So I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Yeah. 09/27/1995. 10 Goola Street, Seabirdown, South Australia. Perfect. And are you okay for the call to be recorded? Yes. That's fine. Perfect. So I've got your Hotmail address there. I'm gonna pop this pack through to you now. Do you want Mhmm. me to just kinda walk you through the documents that are coming through, or are you okay to kind of look onto a few of them with me? Yeah. No. I think we can I can kinda just look on through it? Yeah. Yep. Awesome. So what's coming through now is a bit of an updated performance report. We've got a summary of both accounts and the insurances. We've got an updated financial services guide, the license details and so on, and the service agreement as well. Mhmm. Okay. And is there anything in particular that you're hoping to get out of this year's review that I can focus on for you? No. I guess, you know, just in terms of performance and stuff and how we're doing. So yep. Yep. Just a bit of a general update on the super performance. Mhmm. And just while that's coming through to you now, it's through our new system that we built, so it should come through to your main inbox pretty quickly. Okay. I'm just checking my spam. Tommy yep. Here we go. Yep.","start_word":125,"end_word":368,"sentiment":"neutral","sentiment_score":0.09149227437914396},{"text":"Perfect.","start_word":369,"end_word":369,"sentiment":"positive","sentiment_score":0.5677536129951477},{"text":"Now while I've got the details open in front of me there, so no change in address or phone number, email address. We had you at the last review as a production manager on about 118,000. Is that still correct? Yeah. Yeah. Yeah. Yep. I think you were putting aside around about $2.50 a week, and the main goal that I have listed down is basically investing in property. You were kind of building a home at the time. Is that correct? Yeah. At the time, well, yeah. Yeah. Yep. So I'm just gonna quickly double check that with you because what I've got for assets so far is your main residence and two cars. Do Mhmm. you now have that second property? No. No. Not at this stage. Okay. Perfect. So is there kind of a, excuse me, a bit of a land being built onto the side, or were you just constructing on your main property? No. This is so, actually, you know, yeah, we'll probably be looking to build sorry. Or build or buy is what we're currently working on. Yep. Totally Yep. fair. And have you looked at all the budget changes and all that stuff that's been going on about the negative gearing capital gain? Oh, yeah. Yeah. I've been looking into that. Yeah.","start_word":370,"end_word":588,"sentiment":"neutral","sentiment_score":-0.003540809964761138},{"text":"Good fun, mate.","start_word":589,"end_word":591,"sentiment":"positive","sentiment_score":0.46555519104003906},{"text":"If you want any information on it, I know they're kind of whittling down the options a little bit, but if there's anything we can do to help, just let us know. Mhmm. Yeah. No worries. Perfect. Just double check a couple of details. So we still had you married at the time with two dependent children. Is that right? Yep.","start_word":592,"end_word":652,"sentiment":"neutral","sentiment_score":0.11030974239110948},{"text":"Awesome.","start_word":653,"end_word":653,"sentiment":"positive","sentiment_score":0.39960622787475586},{"text":"Alrighty. Now if you can grab open that email for me, you should Mhmm. see a summary of Subaru Insurance is the main one I wanna focus on. So I'm just it's just basically saying it's fine document. Is that the one starting to do? I haven't No. got any Don't assessment. hit that button. So at Yeah. the bottom, there's Mhmm. attachments just like standard PDF attachments like any Oh, yeah. other email. Right at the bottom. Yeah. Yeah. Yep. So which one am I looking at? Yep. It's the super and insurance summary. Okay. Yep.","start_word":654,"end_word":750,"sentiment":"neutral","sentiment_score":0.06348023202615916},{"text":"Perfect.","start_word":751,"end_word":751,"sentiment":"positive","sentiment_score":0.42972874641418457},{"text":"Just let me know when you can see all that there. It should have your Netwealthy Colonial and the attached insurances listed on this. Yep. One second. No worries at all. Okay. Yep.","start_word":752,"end_word":784,"sentiment":"neutral","sentiment_score":0.14577972888946533},{"text":"Perfect. Perfect.","start_word":785,"end_word":786,"sentiment":"positive","sentiment_score":0.4146966338157654},{"text":"So what I'm basically looking at today is we've got the Netwealth super hundred '63, hundred and sixty four thousand. It's obviously bouncing around quite frequently. Colonial sort of jumped up a little bit since the last time we checked. And Yeah. you've got the life of TPD, the income protection, which was through CommonSure attached through the Colonial account. Does all that ring a bell? Yep.","start_word":787,"end_word":853,"sentiment":"neutral","sentiment_score":0.11416270583868028},{"text":"Beautiful.","start_word":854,"end_word":854,"sentiment":"positive","sentiment_score":0.3462943136692047},{"text":"Mate, have you been logging into your server to see how it's been going the last six months? To be honest, that's one thing I probably missed. The last six months for sure. Yep. But I have kind of got it in No. the back of my mind. I'm not sure that you can't be performing that well, but yeah. Yeah. Yeah. No. Basically, it's it's been flat for the year. What ended up happening was as soon as February, March hit, all the stocks went down, and then Yeah. it bounced back a little bit the last couple of months, actually pretty quickly. But Yeah. you're basically still sitting at about similar balance to you were twelve months ago after all the growth from the previous years as well. Yeah. So couple of things I wanted to broach with you today, actually three things in particular. First one is I'm looking at your Netwealth performance report. Do you mind Yep. opening that document up for me as well? Because I wanna just break it down a little bit for you. Okay. So NetWell super asset performance detail. Yeah? Yep.","start_word":855,"end_word":1044,"sentiment":"neutral","sentiment_score":-0.041696783939474506},{"text":"That's the one. You should see a lovely blue table smattered with about 50 different numbers and figures all over.","start_word":1045,"end_word":1064,"sentiment":"positive","sentiment_score":0.4547841548919678},{"text":"Yep. So left hand side is the different investment options. Right hand side is the percentage returns. So, basically, wind back one step, we're in a pretty high growth portfolio. Most of your super across both accounts is all Yep. in growth assets. There's property gold, all that kind of thing. You have Yep. nothing in defensive assets except for the minimum cash that you're required to hold. Does that make sense? Yep.","start_word":1065,"end_word":1137,"sentiment":"neutral","sentiment_score":0.17124971747398376},{"text":"Actually, across the board, pretty strong performance from pretty much every single option except for one. So the gold's still up quite a bit.","start_word":1138,"end_word":1161,"sentiment":"positive","sentiment_score":0.4769665002822876},{"text":"All of the international shares across the different sectors are up double digits, except the old cybersecurity is only up 5%, but that's kind of like a way for the AI thing to kick in before people start buying into that. But Mhmm. the Yep. one that's dragged it down the most is that can you see in the middle under Australian equity, Benelon Mhmm. Australian Equities Fund? Oh, yeah. Yep. So that's the one that dropped the most, 17% drop there. That was a pretty big chunk of the silver. That's your Australian shares. Do you remember getting in March an email from us called a record of advice or an ROA? To be honest with that, but yeah. So, Okay. basically, what happens was most of the time when we do a review, I go through the portfolio, see if I need to update any options, that kind of thing, and we would Mhmm. send you, like, an updated statement of advice to get you to sign off on the changes. In Mhmm. this one particular case, this Benelon option started shooting down a lot quicker than all the other Australian shares options that are out there. So Mhmm. we made a decision across the entire client base at a life level to replace that one for all clients straight away. And we basically sold that one off and moved you into the one that's underneath it, which is the beta shares 200 ETF, if you can see that Yep. there.","start_word":1162,"end_word":1414,"sentiment":"neutral","sentiment_score":0.026535485153318394},{"text":"Yeah. So that's only been running since March, so it has picked up a couple of percent, which is good.","start_word":1415,"end_word":1434,"sentiment":"positive","sentiment_score":0.5473658442497253},{"text":"But, basically, what that's done is you've switched from an active option to a passive option with a lot lower fees. Mhmm. Going Yeah.","start_word":1435,"end_word":1458,"sentiment":"neutral","sentiment_score":0.24052473902702332},{"text":"from about 1% fee to about 0.2, and the performance on that miles better over the last one, three, five years.","start_word":1459,"end_word":1479,"sentiment":"positive","sentiment_score":0.40896835923194885},{"text":"So the first Okay. question I had for you was, are you generally okay with that kind of high growth risk level still in terms of goes up ten, twenty, 40%, market crashes, it goes down, and just keep on buying into the market long term to get the high returns? Is that Mhmm. an idea that you're still comfortable with? I think probably at this stage, I wouldn't yeah.","start_word":1480,"end_word":1549,"sentiment":"neutral","sentiment_score":-0.05980972945690155},{"text":"I don't think, you know, I don't wanna make any sort of drastic changes right now.","start_word":1550,"end_word":1565,"sentiment":"negative","sentiment_score":-0.4009225964546203},{"text":"Yep. Yeah. I mean, what are you what are your thoughts on that? So generally speaking, if it depends on the retirement goal. Right? If you're trying to retire earlier with a higher balance, you've got to kind of grow up fast enough to have enough there to retire on. But you don't wanna be sitting there in a high risk level, and you're 64 and the market wipes throughout just before you ever retire. Yeah. So it depends on, I guess, like, time frames and the retirement goal. So for you, you still got a pretty good time frame behind you. Basically, are you looking to, you know, retire as early as possible at 60 when you can access this so far? A goal a little bit slow and steady towards 67. Where do you kinda lean between the two? You know, I guess, everyone will wanna retire as early as possible. Yeah. Like, win the lotto tomorrow, out of work sort of thing? Yeah. Hope he wins the lotto tonight and be out of work.","start_word":1566,"end_word":1742,"sentiment":"neutral","sentiment_score":-0.0045506214186296625},{"text":"Yeah. That'd be good. That's the one.","start_word":1743,"end_word":1749,"sentiment":"positive","sentiment_score":0.5247854590415955},{"text":"Look. Funnily enough, Yeah. that question over my twelve years is at a fifty fifty answer where half the country says if I won the lotto, I'm out of the rat race, and the other half says I would know what to do with myself. I always wanna be doing something even if it's part time. So I Yes. kind of use that as a bit of a gauge, but it is only enough fifty fifty. Yes.","start_word":1750,"end_word":1826,"sentiment":"neutral","sentiment_score":0.04051346704363823},{"text":"Now high growth is great for that.","start_word":1827,"end_word":1833,"sentiment":"positive","sentiment_score":0.5352407693862915},{"text":"So, basically, what the plan is with all these passive ETFs that we've got you in is it's pretty much buy regularly for the next, say, ten to fourteen years, get Yeah. the really high returns. And then in Yep. the last six to nine years, we slowly reduce your asset allocation from a Yep. 100% growth asset, ninety, eighty, seventy, sixty, fifty, forty, and there's your pension account from the '60. Yeah. K. So Okay. that's the general idea that gets you the kind of best outcome because you've got 6 figure income with good contributions, got best investments long term. But then at some point, once you've got that million dollars, we then start to protect it. Yes. K? Okay. Now what my advice would be at the moment, the the the other two things I want to brag with you, is when I look at the portfolio with that one option being switched out, overall, it looks really good. Yes. So that one thing kind of weighing you down recently, that's kind of been resolved. And when I look across all the options, there's nothing that really concerns me or I think it's like a an alarm bell to switch at this point. So, basically, if it wasn't for that, we would have been up by about 10,000 to 11,000. Because at the Pretty moment, it's much. basically just a breakeven. Right? Yeah. That's right. Yeah. Okay. And so why wasn't the decision made earlier to switch? Basically, these things take a couple of months to happen. So Yeah. as that thing is happening, we flag it as a team, goes to our investment committee. They go under the hood and go, is this something that's likely to bounce back like normal?","start_word":1834,"end_word":2128,"sentiment":"neutral","sentiment_score":0.07640151969962201},{"text":"And only twice in my entire career have we ever looked at an option and gone, it's not gonna bounce back.","start_word":2129,"end_word":2149,"sentiment":"negative","sentiment_score":-0.3758864998817444},{"text":"And that's because Yeah. the bed along fund is actually at a point they're probably gonna wind up and close down in the next year or two. Yeah. Okay. Most of the time, I just go look buy in, buy the dip, let the market go down, buy some more shares and property for a cheaper price.","start_word":2150,"end_word":2206,"sentiment":"neutral","sentiment_score":-0.017284099012613297},{"text":"When you go up, you get a 30% return, everybody's happy.","start_word":2207,"end_word":2217,"sentiment":"positive","sentiment_score":0.3810178339481354},{"text":"But every now and then you go, it's not doing what it should be doing. Yeah. Okay. K? Now outside of that, though, the other two questions I wanted to broach with you is I like the portfolio. Do you want me to look at any like, you've been in Netwealth for for almost six years now with O. Q. Financial. Do you want me to look at any other super funds to try and find some with some low fees and switch around with a similar portfolio, or you're happy to Yep. kind of let this one kind of do its thing? Are there any others that are got a better portfolio in terms of less fees and stuff? Or So there's a competitor to them, which has come up really strong recently I wanna consider for you. And, basically, they've got the same amount of investment options, but they're mhmm. just a bit better on the administration fees for holding the account. So basically, what I would do, if you're okay, is just do a bit of a comparison, see if it's actually enough of a benefit to go through the admin to jump across, Yep. and see if there's anything else I can fix up on the portfolio Yes. if you're comfortable with me doing that. Yeah. No. I think maybe maybe that might be another question for, you know, question for next next annual review. I think at this Yep. moment, we might leave it as it is. Yeah. Yeah. Okay. No. That's fine.","start_word":2218,"end_word":2475,"sentiment":"neutral","sentiment_score":0.08587465351519659},{"text":"And, look, there's nothing wrong with the the platform of Netwealth. The feed is still competitive. The investment menu is still, you know, top five in the country.","start_word":2476,"end_word":2503,"sentiment":"positive","sentiment_score":0.418819397687912},{"text":"It's just like if I wanna try and find the the extra 1% for you, I can go away and do that. Okay.","start_word":2504,"end_word":2526,"sentiment":"neutral","sentiment_score":0.19194233417510984},{"text":"Yeah. Cool.","start_word":2527,"end_word":2528,"sentiment":"positive","sentiment_score":0.38009166717529297},{"text":"When when it comes to the Colonial account, so the usual strategy with this situation is you've got your insurance is sitting over there. We usually like to maintain about 10,000 to keep the the insurance in force and then move Mhmm. funds across to invest into your your main funds. Are you still Yeah. okay with that idea for me to do a, like, a bit of a comparison between the two and look at a bit of a sweep across? I think, yes. I'd like to also understand in terms of now in Colonial, like, you'll be able to compare to see where I've lost in Colonial as well. Right? Yeah. Yeah. We can basically go through and look at I do need a little bit Yep. of research on your client, actually. But besides, once I've got the authority fixed up, I can Mhmm. break down the account, and we've got all the research tools to go under the hood and look at both funds Yeah. So I guess, side by yeah, side. I guess it's yeah. I guess what would be better, good for me to understand is, you know, in terms of performance wise, on the two are colonial versus, you know, in terms of, like, what we're investing through Networld. How much was Netwealth better or how much was you know, is it Colonial? What which one was better off for me for the last, you know, twelve months or so? Yeah. And I've got to give you a bit of a a dual comparison there because I can look back and go, this is the twelve months, but I'm also forward looking and saying which one's looking good going forward Yep. in terms of, you know, the switch that we just made a month until we got. Yeah. Yeah. Okay. Yep.","start_word":2529,"end_word":2836,"sentiment":"neutral","sentiment_score":0.08357235295818997},{"text":"Cool.","start_word":2837,"end_word":2837,"sentiment":"positive","sentiment_score":0.4847995340824127},{"text":"I'll do that comparison there. I was just having a look at our new system because I'm trying to make sure the data's accurate since it's come across. Yep. Basically, there was a bit of an issue with a spelling error on an email address for an authority for us to contact them. And there Okay. was a note there that you were gonna call Colonial just to update the email address so it could match. Does that ring a bell from, like, the last twelve months or so? Could it even been earlier? To be honest, no. That's Yeah. okay. If you're okay with that, I'll get the team to kind of go through the authority so we can get a rundown and access to the account again just because it's Yep. one of the things that you've got to refresh every now and then. Okay. Cool. In terms of the insurances, though, Mhmm.","start_word":2838,"end_word":2992,"sentiment":"neutral","sentiment_score":0.009439107961952686},{"text":"really fantastic policy that they've got you in from CommonSure.","start_word":2993,"end_word":3002,"sentiment":"positive","sentiment_score":0.5476614832878113},{"text":"I don't know if you remember the news articles that came out about CommonSure back in the day. I think I do that. Yeah. Yeah. There was that huge scandal, and I ended up Correct. kind of winding down as an insurance company. But what's Yeah. happened is they've kind of grandfathered your policy across, and Yes.","start_word":3003,"end_word":3059,"sentiment":"neutral","sentiment_score":-0.05576890707015991},{"text":"it's actually really good. It's like $800 a year.","start_word":3060,"end_word":3068,"sentiment":"positive","sentiment_score":0.4569189846515655},{"text":"You've got just under half a mil of life and CPD insurance for disability, and Yes. your income protection, they've been slowly increasing it with inflation to try and keep Okay. up with that. Yep. Thirty day waiting period, three year benefits. So if you're out of work for a month, kicks in monthly $8, and that'll keep going for up to two years if you're sick or injured for that long per injury. Mhmm. Okay. Yep. Now, basically, what I'm saying is that for that price for those three policies of cover, that's top 2% in the insurance space at the moment. Okay. Yep.","start_word":3069,"end_word":3173,"sentiment":"neutral","sentiment_score":0.015339090519895156},{"text":"So I definitely wanna keep that going as long as it's an appropriate level of cover.","start_word":3174,"end_word":3189,"sentiment":"positive","sentiment_score":0.4642299711704254},{"text":"Let me just quickly check this because like I said, it has increased. $8,000 a month, Yes. and they usually cover you for 75% for an old policy before 2021. So it's protecting you for an income of a 133,000. Okay. Yep. Now that gives you a bit of a buffer, but let's say you give them twelve months of financials when you claim, and they go, oh, you've only earned a 118. They'll pay you 75% on that amount, and you would have paid a tiny bit extra for something that you couldn't have claimed on, if that makes sense. Yeah. Okay. Yep.","start_word":3190,"end_word":3293,"sentiment":"neutral","sentiment_score":0.11653240770101549},{"text":"So it's a very affordable way to have a buffer.","start_word":3294,"end_word":3303,"sentiment":"positive","sentiment_score":0.44216805696487427},{"text":"So when your income increases, your insurance has already kept up with it without the Yep. premium skyrocketing. But I just wanna Yep. make you aware that if you go through a claim, the payment Mhmm. might not be exactly the same. Yeah. It's 75% of the total. Right? Yeah. Up into the maximum of, again, Of a 130 hundred and thirty. 3,000. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. That's fine. What about the life in CPD? So that 400,000 plus your super, the last time we checked your liability, your mortgage was about $6.90. Yep. So that's pretty much cleared by the insurance combined with the super at the moment to leave the family essentially debt free. Is that kind of your aim for that type Yeah. of cover? Yeah. Yeah. Yeah. That's fine.","start_word":3304,"end_word":3438,"sentiment":"neutral","sentiment_score":0.06294044107198715},{"text":"Yeah. Perfect.","start_word":3439,"end_word":3440,"sentiment":"positive","sentiment_score":0.43503710627555847},{"text":"And I'm assuming you still wanna make sure that your partner's listed as beneficiary for the life insurance and the both super accounts? Yep. So I'll double check those just to make sure nothing's clicked off like a latching nomination or anything. And, basically, what I wanna do is I'll do that, update a comparison for Sure. you. We'll Mhmm. compare the Netwealth and the Colonial, see if we need to change anything and the Mhmm. recommendations. I'll include any info about the estate planning if I need to, and Yep. I'll factor in the premiums for the insurances and so on. Alrighty. Mate, two more questions for you, but do you have any questions so far? Okay. No. No. I'm really okay. Yep. K. Just in terms of estate planning, did you end up putting in place a will and power of attorney? Power returning? Yeah. No. It's not happening. K. And, like, a will for where the house goes and cars and cash and all that kind of thing? No. I haven't done any No. of that. That's fine. If it does help and if you do feel it's important, Okay. obviously, people go to lawyers for will, but there's also public trustees of every state that do appointments like the courthouse. And even the post office has government approved will kits for, like, 20 plus bucks. So if that And kind you of helps a little bit. just and you just, like, drop it yourself. Yeah? Yeah. Draft it yourself. Get it witnessed and signed by, you know, JP's and witnesses and everything. And Yeah. they're they're legal approved. That's why they kind of supply through AusPost. Okay. Yeah. They're not Okay. the fanciest Yeah. That's thing, but something if it's that just that's for something a half that car happened and in cash. today. Yeah. Absolutely. If you have any questions on that anytime, I just let me know. But I just Yep. thought I'd give you a couple options there if that helps. Yep. Okay. Alrighty. So I'll get the team to kind of reach out for that research on Colonial. As soon as I've got that down, I'll do the comparisons and put the updated statement of advice together for you. Now just given the time that it takes them to, a, update the email address if they need to, Yep. approve Yep. the authority, do the research, put the plan together, I'm pretty much gonna be contacting well, the team will be in touch with you over the next few weeks a couple of times, and then Yep. we'll Yep. be probably speaking just before the end of financial year to go through the updated plan.","start_word":3441,"end_word":3893,"sentiment":"neutral","sentiment_score":0.09239053918628504},{"text":"Cool.","start_word":3894,"end_word":3894,"sentiment":"positive","sentiment_score":0.37556636333465576},{"text":"Okay. Yeah. Included in there as well in that email I've sent you, that sign button that you saw at the top, that's for the service agreement and tax file number opt in there as well. So Yeah.","start_word":3895,"end_word":3932,"sentiment":"neutral","sentiment_score":0.18382605910301208},{"text":"if you're still happy with the service, we still charge the 1.65%.","start_word":3933,"end_word":3944,"sentiment":"positive","sentiment_score":0.34524455666542053},{"text":"Spread that Yep. out over the twelve months into the little repayments, 15 Yep. percent tax rebate, the super fund claims. But other Mhmm. than that, are we touching on it again when we do the updated plan just to make sure you're actually happy with what I'm proposing and can Yep. give you consent then as well. Okay. Cool. Any questions for me so far, mate? No. Not at this stage. I guess I tend to, like, financial advice in terms of, like, you know you know, when we're looking to buy a house. Right? Say, like, for instance, like, investment property, in terms of, like, the cover through Netwealth and through my Yep. business and such in terms of which I already pay, is there any sort of, like, someone that gives guidance in terms of, like, what I should what my options would be on the terms of how to use, I guess, equity in my house for such device and things and so on? Yeah. So the way the the professionals work, so overview financial, we're financial advisers. We kind of sit in the middle of your financial travel agent. Right? Go with this airline. Go with the tickets for the extra baggage. Here's the product. This is what you're trying to get to in terms of goals. You've got mortgage brokers who specialize in getting the loans. You've got Yeah. buyers' agents who specialize in finding a property. Yep. And then the advisers, we go through the strategies, projections, and also just the general education as well. So have you Yeah. ever gone through any kind of lending besides just when you first bought the property? No. No. I haven't. K. I won't kind of info dump at you right now, but the the main thing to to remember is have you heard of the concept of LVR before? No. K. So that's essentially loan to value ratio. So when the bank does the lending, they go, how much debt are we talking about or how much assets that are being put up as security? So I've got the previous value at 1,500,000. I was gonna do a bit of an update online just to see if that's jumped up a little bit, but do you know what the value might be right now? Mhmm. Of my plate? Oh, Yes. yeah. If you've got a 1.8, I'd say. 1.8 to Yep. 2. Perfect. So let's go conservative one point a. Yeah. Yep. When you go more debt than 80% of your property value, they hit you with Mhmm. LMI, which is lenders mortgage insurance, which is essentially just an extra huge fee, which on your property value could be upwards of 25 to 50,000 that gets tacked onto the loan if you take on that much debt. Yep. If you go Okay. below 80%, you get the better interest rates and you get to avoid that huge fee, which essentially means you don't wanna go over about 1,400,000 worth of Yep. debt Yep. for the property values. Okay. Now if you're owing, let's say, $6.90 and you've got another Yep. 700,000 of equity sitting there that you can use, Mhmm. You can use a few 100,000 of that as a deposit for the next place, and the next place is probably gonna be fully, like, full debt. Yeah. Yeah. Yeah. Okay. So I'll give you an example just briefly with with my property. So Yep. I bought this place in probably the, you know, worst street, worst suburb as a starter home many years ago, and it went from 340,000 up to 800,000. Mhmm. So Yep. we have that debt of a couple of $100. We released a couple of 100,000 of equity to go buy another place in North Queensland, and that was about 600,000. So what we ended up with was our original mortgage sitting on the house, the Mhmm. deposit loan also sitting on the house, but Mhmm. Yeah. that is an investment loan because it's for investment purposes. Okay. Yeah. And then Okay. all of the debt on the investment property. So three loans, original Yep. mortgage, the deposit, and the investment loan. Does that make sense so far? Yeah. Yeah. Yeah. Yeah. Yeah. Yep. So then, basically, Mhmm. what that means is that my repayments for my home, if I used it for the deposit, they've jumped up a little bit because I've increased my debt to finance the next place. So that went up another 150 a week, so I had to factor that into Mhmm. the budget. And then on Yep. the second hand, the rent that I'm getting from the investment property, does that cover the loan on that investment property that it's Yeah. Okay. k? The Okay. last thing I wanna say is a good kind of rule of thumb is let's say you buy a, let's just say, use an investment property for $800,000 Yep. as an example. If you use the $200,000 deposit from your main home and you now owe 600,000 on the investment property, you kind of wanna be getting at least $800 a week in rent. So 800,000, 800 a week, 900,900 a week. Yeah. Okay. What that basically does, it means you're getting a 5% rental return on the Yeah. value of the Okay. whole property. And because the loan is only 600,000 on that side, the Yeah. 800 a week should be able to cover the loan, How about the mortgage? the agent's Yeah. fees, the Yeah. insurances, and so on. Right. So you're basically just only paying for a 100 or whatever it is that you're paying on your personal loan because of the what's For that the deposit. code? Yeah. For that deposit. Yeah. Yeah. Yep. Exactly Okay. right. The other thing is obviously consider things like like repairs, vacancy, and all that kind of thing. So anything above that 800,800 a week, that pushes you more into the positively geared. If you're getting below that, you're gonna be hitting negative gearing. And unless Yeah. it's a new property because of the new changes that are gonna come through, Yep. you're not gonna be able to claim it on your tax. Yeah. Yeah. Yep.","start_word":3945,"end_word":4991,"sentiment":"neutral","sentiment_score":0.018727786335320264},{"text":"So newly built or one that you build, that's great.","start_word":4992,"end_word":5001,"sentiment":"positive","sentiment_score":0.5171176791191101},{"text":"Mhmm. But then just, you know, double check with your accountant about what that's gonna look like while it's being built. But generally speaking, if you can get that amount of rent for that amount of property and keep it either just negatively geared, then you don't have to Yeah. put too much of a bill, or positively geared, you should be okay.","start_word":5002,"end_word":5064,"sentiment":"neutral","sentiment_score":-0.06303684413433075},{"text":"Anything worse than that, you're gonna give yourself a lot of grief for about Mhmm.","start_word":5065,"end_word":5079,"sentiment":"negative","sentiment_score":-0.4353797733783722},{"text":"three to five years before it does anything. Yeah. Okay. K? So I've kind of just dumped about six things at you on one go, but I just wanted to give you that idea of you go to the lenders in the bank or the broker, you figure out your 80%, find the property, what does it rent for, have a bit of a calculation on how negatively or positively geared it might be, and what that might do to your your family budget Mhmm. Okay. to borrow Yep. to get that. Yep. Okay? Okay. Now outside of that, if you ever need a broker, buyer's agent, whatever you need, like, we've obviously got a network of people across the country, just Okay. let me know and I can get you a referral. If you've already got someone, happy with that. Yeah. No worries. Okay.","start_word":5080,"end_word":5224,"sentiment":"neutral","sentiment_score":0.014731540344655514},{"text":"Cool. Perfect.","start_word":5225,"end_word":5226,"sentiment":"positive","sentiment_score":0.5397814512252808},{"text":"Any questions on that?","start_word":5227,"end_word":5230,"sentiment":"neutral","sentiment_score":-0.03825923427939415},{"text":"No. No. Not working. Sensational.","start_word":5231,"end_word":5235,"sentiment":"negative","sentiment_score":-0.4597201943397522},{"text":"So, Janet, mate, if you're okay for the team to reach out over the next couple of weeks just to get that colonial research fixed up for me, I will Yep. pretty much be speaking to you end of June, and I'll kind of let you know what the recommendations are from there. Okay.","start_word":5236,"end_word":5289,"sentiment":"neutral","sentiment_score":0.14095336198806763},{"text":"Alright. Sounds good then. Awesome. Have a fantastic Okay. day.","start_word":5290,"end_word":5299,"sentiment":"positive","sentiment_score":0.6186952590942383},{"text":"If you have any trouble with that digital email, just call through and the team can walk you through it.","start_word":5300,"end_word":5319,"sentiment":"neutral","sentiment_score":0.28119271993637085},{"text":"Perfect. No worries. Thanks for reaching out. No worries at all, mate. I'll talk to you again soon.","start_word":5320,"end_word":5337,"sentiment":"positive","sentiment_score":0.4659918844699859},{"text":"Alright.","start_word":5338,"end_word":5338,"sentiment":"neutral","sentiment_score":0.2897748649120331},{"text":"Thanks. Bye. Thanks.","start_word":5339,"end_word":5341,"sentiment":"positive","sentiment_score":0.4767407178878784},{"text":"Bye.","start_word":5342,"end_word":5342,"sentiment":"neutral","sentiment_score":0.32751792669296265}],"average":{"sentiment":"neutral","sentiment_score":0.0692782090780504}}}}