{"metadata":{"transaction_key":"deprecated","request_id":"019e4996-17ff-73b2-af61-18610a83507e","sha256":"677d455981a813ba69ed38c54f20c03ac174aae4e50891b79b5c680fa3a26655","created":"2026-05-21T08:10:37.022Z","duration":2320.992,"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":9707,"output_tokens":109},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":10746,"output_tokens":10766},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":10746,"output_tokens":630}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Paul. It's Dana from IT Financial. How are you this afternoon? I'm very well. Thank you. I just had you booked in to go through your annual review. Is now still a good time there for you? Yeah. All good. How's your day been so far? Yeah? Oh, that's good. I yeah. It's been good. Busy, but just for having the end of financial year, so it's all okay. Yeah. How's everything been going since we last closed Tabspace? Is there anything big change, any new pay rises, or any changes in your role? Yeah. Yeah. Yeah. No? Yeah. No. That's okay. Not a problem at all. Excellent. What I'll do is we don't use DocuSign anymore. We use OdoSign. So what I'll do is I'll go through the annual review with you, give you an update on how things are going, update all of your circumstances, and have a bit of a chat. And then after the call, out will come your annual review pack so you can take some time and have a bit of a look at it and let me know if there's any additional questions that you do have. Is that okay? Yep. Easy. All good. Before we jump into the call, just to obviously let you know, we do record these calls moving forward for training and quality purposes. Are you happy for me to proceed with that moving through the call? Yeah. Fantastic. Excellent. And I'll just do security there with you as well just to confirm your full name, your address, and date of birth I should have on file before I give out any personal information. Yep. Yep. Legend. Beautiful. Thank you so much for that. So, Joel, I know you did speak to my colleague Samantha about a week ago now, and she sent an email to you just giving you a bit of an update on your portfolio there. Did you happen to have a look through the email at all? Yep. Fantastic. So this is yeah. It's all good. Just to give you a bit of an update on where things are going and so super probably the main thing you're wanting to sort of find out about. As of your last annual review last year, your balance is about 3 sorry. 403,609. Having a look at things now, your balance is upwards of 475,904. So it's a good increase for the year. When we have a look at that as an increase, you're up by 11.6% net of fees for the year. When we break that down to a dollar figure as it's income and growth there, you've made about 55,305 and 76¢ for the year. So it's a good increase. Even after the volatility we have seen this year, it's good to see you come out on top. And with your portfolio, you're in that high growth environment, so you have that nine to 10 split as as we have kinda gone through with you. So that kind of you are taking more risk in the market, so you can sort of see more volatility and feel more volatility as your balance increases as well. So 11% return is really good, really happy with that. You've probably heard and seen what's happening in the markets a little bit at the moment. Is there any sort of questions you might have or you sort of Yeah. Absolutely. So when I kinda break down your portfolio that is and that's one of the things I wanted to talk to you about today. I am kinda going through everyone's portfolios with the reviews and looking at what we maybe need to switch out for you because, obviously, we wanna make sure that nothing is underperforming in your portfolio. And even with an 11% return, it is a great return. Your portfolio is working well, but it still means that some investments might need to be switched out every so often. And having a look at things, Ben Long has been underperforming for this year. It was doing really well for many years up until sort of the end of last year, early this year, and then it's kinda been magnified with what's been happening globally there as well. But other Australian equity investments aren't seeing the sort of issues that Ben Long are having, so I do wanna swap that out for you. I would do have a bit of an advice document. I've got a few options that I'm looking at with regard to swapping that out for you. I've got a couple of active and passive management options we can look at. I just wanted to kinda get a feel for what your comfort level is. So with Bannalong, it was meant to be more of an actively managed investment, so that it's an active manager. They're meant to be buying and selling and trying to outperform against the market. You can pay a little bit more in the way of investment fees to have that kind of active manager in your portfolio. Did you want me to keep something as an active manager in there, or did you wanna look at something a bit more passive or low cost in in its place? What would you like me to look at? No. You're fine. We you work hard. You deserve to make money. Yeah. No. That's no. That's fine. I completely understand. That's not a problem at all. What I can look at doing for you, if you like, is realistically and look, active managers are good. They do do they do tend to do quite well. However, there's no guarantees they're gonna outperform against the market. So if you like, what I could maybe look at doing is something a bit more passive. Look at a passive manager that provides maybe more diversification to help manage risk a little bit more, look at how that performs, but also look at maybe reducing some of the investment fees for you as well. Does that sound like a good idea? Yep. All good. No worries. I've got a couple of options I'm looking at. I'll go back and just sort of review them more, look at how they work with the portfolio, look at what sort of fee savings it might help you out with. The other thing I do look at is obviously the capital gains consequences. So your super fund, like you you do every year, does a tax return. So any, you know, changes to investments and switches and things does have a tax consequence for your funds. So I'll go back and review that. I'll update the advice for you. I'll just do an investment switch advice document to make it easier for you, and I'll outline the advantages and disadvantages, what we're gonna replace, and, obviously, the changes in the fees and any CGT consequence that might be might be as a result of the switch for you. Does that sound okay? Yes? Beautiful. Excellent. Lovely. Mhmm. It is yes. No. That's net of all fees, including our ongoing service fee. Correct. Yeah. Yep. Absolutely. Yeah. Definitely. Yeah. All good. No. That's a good easy easy done. We certainly hope it doesn't you're right. Sorry. Yeah. I absolutely do. Yep. Sure do. So it's almost three years here at the moment there. And when I look at the return net, you've made 34.79%. So it's averaged a compounded rate of return of 11.59 per year. Yeah. And I've actually got the dollar figure here for you as well. It's about a 100 and 35,000 that you've made in earnings. That's growth and income over the past three years, and that's net of fees as well. So, yeah, it's done really well. Happy with that. Easy. Perfect. So I'll make sure that these documents are attached in that annual review pack there for you. If you find you have additional questions, let me know. But I'm personally really happy with how things have gone for VDE. It is really important I do note, though, that we have seen a bit of volatility this year. We do not know what's gonna happen next year. We have certainly been speaking to some of the economists out there to see what's been going on, what they expect to happen. Unfortunately, inflation is expected to kind of have a bit of an increase over the next few months as well. I don't really like the idea of that. But if there is a bit of an increase to inflationary pressures, it does mean that we could see some more volatility in the market. But, overall, you've done really well. So the other thing to kinda point out, and just to make sure that I'm being open and honest with you, is as your balance increases remaining in that high growth environment there, you will notice that smaller fluctuations feel a lot bigger on your super balance. And in the shorter term, if we see those, you know, fluctuations continue, a one or two or 3% change in your portfolio, you might feel that in the short term a little bit. So please reach out if you are concerned or have any questions in relation to it, but I just want to make sure that everyone who is in that high growth environment does kind of is aware that, you know, reductions or pullbacks in the performance or in the in the market in the short term does affect everybody, but it's about waiting through those downtimes and coming out on the other side there. And if you ever find you're not comfortable being in that kind of high growth environment, please do let me know. I'm more than happy to talk you through it or reassess that level with you as well. Okay? Absolutely. Yeah. Yeah. Absolutely. Look. It's it's a positive and a negative. A long time of work means you've gotta do more work, unfortunately. However, you do have a lot more time to allow your portfolio to come pan for longer, so it's absolutely fine. I just like to sort of bring those things up because I am sort of finding this year a lot of people who, you know, the last few years have wanted to say high growth this year, have been have been a little bit more nervous about it. So I've been having a lot of very honest conversations with people from all works walks of life as well. I feel like you're probably a bit more versed than most people are in relation to the markets and how things work, and it's just, you know, making sure that everyone's comfortable with that level and noting that you don't have to wait for the annual review. If you're ever concerned, pick up the phone or let me know. I'll make time to come and have a chat with you, and we can always review the portfolio to review, you know, your risk level at any point in time as well. Okay? Yep. Perfect. All good. With that, sir, you're happy to stay in that high growth environment for the moment. I mean, realistically, you do have the time horizon ahead of you. As you said, you're only 37 in September, so you've got a bit of time before you're able to access Super at this stage. Capacity wise, you've got time to wade through the downtime without sort of worrying or having to take money out there at the moment, and you are working, and you're a good high income earner as well. So your contributions going in do also provide that greater benefit to your super. I'm comfortable keeping you in that high growth environment for the time being as long as you're comfortable to stay there. Yep. Perfect. Excellent. All good. The other thing I do like to look at is the insurances. So I know last year, we did go ahead and cancel your income protection. You sorta didn't wanna keep paying for that any longer. With the licensed EPD benefit you still have, it does give you a benefit or your your sorry. The benefit you're covered for is a million and 62 and 810. So it has gone up a little bit from last year. You premium was you paid about 1,177 this year for that one. Thinking about sort of the life and CBD benefit that you're covered for at the moment with one pass, are you fairly happy with that? Did you wanna kind of look at altering that in any way, shape, or form? No. You're alright. I wouldn't sort of honestly, one pass, and the amount you're paying for these is the cheapest you'll get for the type of cover that you've got. It's more just about whether you kinda wanted to increase or decrease it at all. Realistically, the premium you're paying is actually very, very good for the level of cover you've got. I've seen people who have less cover pay a lot more for for premiums. So one path is definitely the most competitive premium wise out there, especially then if you've got an older policy too. Any newer policies would definitely cost a little bit more with the the changes that come in every year to the insurance companies. So I wouldn't wanna sort of just change the cover if you are comfortable with the amount of cover you have just because it would increase the cost of it. But did you wanna reevaluate the level? Are you happy with the, you know, a million and 62 that you've got? Yes? Excellent. All good. I can see here with you. No. No. Well, the CBD is probably more you. Yes. No. No. You're fine. You are absolutely fine. Don't worry. I've heard it all. I've got clients who I talk about life with and all the bits and pieces, and they go, oh, it's not even gonna bother me. I don't even care. Yeah. I'm sure you do. All good. With the with the mortgage and the property, I have it noted here that you have roughly about a 100,000 owing there, but you guys have it offset pretty well, don't you? Yep. Yep. Yep. I believe you only sort of technically owe about, what, 2,000 on the mortgage? Yes. Yeah. Yeah. Absolutely. It's it's the servicing of it. It's it's there. You've got the money if you need it in case something comes out without having to go back to the rigmarole of servicing again. I get it. Fantastic. With the property there, I've got a an estimated asset value of that 1,200,000. Would you alter or change that at all? About that? Perfect. I've also got the Ford Ranger asset value 65,000. That's okay. You're right. All good. And then the Mazda three with an asset value roughly of 2,000. All good. No. Is it the one you drive to work? I believe it says it's the one you guys you drive. Yeah. No. Nice. Nice. And then you've still got the caravan there as well, roughly valued at 95,000. Yep. Beautiful. And then content, rough valuation on content is about 126,000. Is that right? Yeah. That's okay. Yeah. That yeah. It's a bit difficult with content because, realistically, when you think about it, if you tip your house upside down, everything falls out. The cost of replacing that could be different depending on where you shop, what you buy, what you want, you how many kids you've got. There's so many other factors there. So yeah. Perfect. Other than that, income wise, we had you earning about 180,000 last year. Have you had I know you said you weren't sure about the pay rise, but any pay rises recently or coming up? Oh, fantastic. Yep. Beautiful. Well, you're definitely worth more. All good. No. Yeah. No. That's perfect. And I've got down here that you're managing to save roughly about 250 per week. Are you still finding to that right, or is it a bit tougher with the way everything costs? Yeah. Yeah. That's okay. Yeah. Yep. That's okay. Not a problem at all. Having a look at your beneficiaries. Now I can see we have sent out some beneficiary forms to you, but it looks like we still don't have them returned. So we don't actually have beneficiary nominations placed on your three for your one pass policy at the moment. I do wanna try and get those applied, so I wanna help you to have those completed. Are you okay yeah. Is you okay if we pre fill them all for you? I obviously wanna double check that you do want Jackie as your beneficiary on your super and your life cover. Yep. Super annual life cover. Yep. Beautiful. That's okay. If you if you're comfortable and you approve it, I can get my team to prefill the information. We obviously do have all of Jackie's details. So we can prefill it for you and send it out, and then you've just gotta sign sorry. Yeah. If we just gotta get it signed and witnessed, a witness just can't be Daphne as she'll be the beneficiary. But if you've got two mates or neighbors or, you know, brother or sister or mom or dad or or someone else that can just witness it for you the day you sign it, shoot them back to us in the post or email, and we will make sure they are applied for you. Because it's something that I know we've been trying to do, and I wanna try and make sure that that's covered. So if anything happens, having your super and your life insurance is one thing, but making sure she actually gets the money in the event that's having a curve would be another story. So beautiful. I will make sure that is done, and I will get Michelle, my admin team member, to pre fill them. She'll send them out to you, and then she'll follow you up a little bit to make sure they come back as well. Okay? Beautiful. All good. Other than that, I've got it noted here that you guys do have a will and power of attorney. Everything is up to date. Is that is that also reflective of your wishes? Yes. Perfect. Fantastic. Having a look, everything else looks pretty good. I'll get the annual review pack out to you there. It will have a copy of all the documents that I've gone through giving you the city of currency and also an update on your superannuation side of things with the so ongoing service agreement there as well. So your ongoing service fee you pay to us is 1.1%. That's per annum, and then it's deducted in smaller monthly increments. It's the same as it was last year. I did try to reduce it a bit more, but, unfortunately, they wouldn't let me. I'm so sorry. I'll keep trying. But, yeah, it says one point one zero. Yeah. The good thing about your ongoing it sounds really good. Unfortunately, I've gotta take it to my license fee. The good thing about the way the percentage fee works is that it does work in line with your super. So the more you make or the more of a return you get out of your super does mean the more that we make as well. And if to say we saw the market take a bit of a dip, it means that Outplay takes a bit of a dip with it as well. So it does work out to your benefit in that scenario there. But I know it's one thing that we did talk about last year, and I was like, look. I did go into bed. I did try. They said no, and I get that. It's okay. But I still wanna make sure things are working harder for you. So as your adviser, if I find that things aren't working and our fees should not be applied, I will go into that, and I will fight a lot harder for you. But right now, you're making money. You're doing really well. Even in a really crazy volatile time, we saw some really hectic changes and drops in the market this year, especially around March 2728 with what was happening overseas. So your portfolio's weather the storm really, really nicely. Have I ever sort of explained to you have about the VIX index? This might be something that's kind of interesting to you. Have you ever seen or heard about what the VIX index is? No. So the VIX index, the BIX index, essentially tracks market volatility. If you ever get a chance to look at it, it's kind of exciting, kinda cool, but it works in The US stock market, essentially. But whenever the VIX index is over 20%, it means that over the next thirty days, you can expect high volatility. And in around March, it got up to 31.65%. So it was pretty high. But whenever the VIX index goes down under 20%, it's an indicator that markets are gonna be fairly stable for the next sort of thirty days. So if you're ever sort of looking at things and hearing a lot of in the news of what's happening there, you always welcome to pull up the VIX index and have a bit of a look at where it's tracking and what it's sort of doing over the past, you know, couple of days, and it kinda gives you an index. So 20% is kind of the the the line of where you go from volatility to stable. Yep. You're expecting some stability. Yeah. Yeah. It's just a really cool indicator of kind of being usually, like, some of the indicators that we use to sorta help everyone so that people have got something they can kinda go to or a little bit of guidance there. Part of my job is not just about, you know, making money for you. I do enjoy the educational value as well and, you know, utilizing and passing on some of the knowledge that I've been able to obtain. So, yes, it's kinda cool to have a look at, especially when you're hearing a lot of the news or people saying that things are going up and down. It just gives you another sort of point to have a look at if you ever wanted to. Okay. Easy. Yeah. Sure. Sure. Yep. Six 100,000. Yep. Yep. Yep. So 600,000. So if we can get your balance up to a million dollars or even higher than that, which would be fantastic, and you've got plenty of time on your side to be able to do that. Essentially, we won't be charging 1.1% of that balance there. That is capped at $600,000. Yeah. Yeah. Perfect. The other documents we will have in that doc Odoo sign pack for you will just be our updated financial service guide with the outline of everything about who we are, what we do, how we do it. It's got all my licensing information in there for you as well. And then we do also update often just what's called the tax file opt in form. So we like to make sure everyone is aware. We do hold your tax phone number. So we go through every so often and just update the authority on that one, just making sure that we're keeping everyone's information at the forefront, but making sure you're aware of the information we hold on you as well. Okay? Yep. Perfect. Over the next sort of one to two or even five years, do you have any other goals that you're looking to achieve? Or Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Of course. Yeah. Definitely. No. Understandable. Yeah. No. That's okay. I'm just having a quick look back at the last back when we did last year as well. You also mentioned maybe upgrading a car as well. Is that something you're sort of looking to do down the track? Yep. Yep. Beautiful. And retirement wise, we're all good. And retirement wise, we're still tracking forward to retire, hopefully, at age 60. Yeah. Perfect. Nice. Nice. Well, with 60 at the moment is the earliest they're gonna let you access your super, but, I mean, we can look at other things down the track. We can look at investing outside of super in certain ways to kind of build retire you know, you build access to savings earlier so you can possibly retire earlier. And then you've also got the option of investment property. So sorry. Yeah. No. '60. 60. Yes. '6 zero. No. No. No. So no. That's okay. It's honestly a really common it's a common misconception a lot of people have. So 67 is the age that if you're eligible for to access the age pension, but because a lot of people just refer to as retirement age because a lot of people, especially the older generation, they even this is some generations, they didn't have super. Super wasn't a big thing until the early nineties. So a lot of them are retiring on lower balances now, and they are having to rely on the government system. So for them, 67 isn't so much the age they can access as super, but it's the age that they feel they can retire because it's the age they can access the age pension. But under the legislation requirements, if you stop working at 60, you can access your super wholly completely tax free. Yeah. Yeah. I like to give people good news like that. Yeah. Absolutely. Yeah. Yeah. Yeah. Of course. Yeah. Honestly, the best the best way is to do that, and it's a little bit hard at the moment because of what's happening with the budget, but one of the best ways is to be able to negatively give property. So either buying an investment property or buying a new one for yourself and renting at your current property and being able to negatively gear that. The only downside is at the moment with the way with what was put out in the budget was that they're only going to if these changes go through as of July next year, you'll only be able to negatively gear as an investor a brand new property, which means you would have to buy a build, like, a new property, build it, and then rent it out to access negative gearing. We can do, like, investing outside of super through investment portfolios and things like that, but they don't necessarily reduce your income tax. It actually tends to increase that because you get income and growth out of your investments the same as the super, and that all has to be included in your personal tax return. So it doesn't actually reduce your tax payable. Under under the legislation under the tax act, we actually can't provide advice solely for the purpose of reducing tax. That is seen as a tax avoidance measure. But if you're looking to buy a new property, it is actually because that's, I mean, that's the whole reason we tend to do these sorts of things. We just have to call it something else. But, realistically, like, if you're wanting to be able to build wealth outside of so far, looking at, say, an investment property is a good way to do that. You're, you know, building your ad your net assets and growing investments to the future, and property tends to do very well over the longer term there as well. And then if you rent the property out, plus you've got management fees and you've got, you know, you've gotta look after the property as well, so ongoing maintenance costs and things like that. If the rent you're bringing in just so happens to not cover the cost of the loan repayment or sorry. It's not so much the principal. It's the interest on the loan repayment plus your management fees plus your ongoing maintenance costs, then you've technically negatively geared the property, and that gives you a tax deduction. And that works out really well. It's one of the best ways to be able to minimize the amount of tax we are paying. But the tough thing at the moment is that with this bill coming in, it's well, if this bill goes through, then it might change the way we are able to negatively give. So I'm just of the opinion at the moment. Have a think about what you'd like to do. If and when you wanna sort of look at buying a new property, we can put you in touch with a mortgage broker to sort of help you with that. But I would be very mindful of just being cautious about doing it now. I'd be waiting to see what happens with this bill to work out whether you buy your forever home and rent the current property out or whether you have to buy a new property to be able to look at negative gearing to benefit you. Does that make sense? Yeah. There's just so much happening here at the moment. Yep. Yeah. Yeah. Yeah. Yeah. Perfect. Yeah. So yeah. So this financial year, you can put in there up to the 30,000. You could also look at utilizing some catch up contributions. I would say utilizing catch up contribution because your balance is a lot higher, once you hit that $500,000 balance as of the July 1, any financial year, you actually lose access to your catch up contributions. So if you wanted to yeah. If you wanted to, you could send through your catch up contributions, and I can have a look at that for you and work out what you could put in this year to kind of give you a little bit of an extra tax deduction. No. No. Because if if you like, I'll send you an email after the call. It'll have instructions on how to access that through your MyGov account. If you can get a hold of that and send it through to me, I can have a look at what you've got packed up space. And if you're comfortable do you know how much you would like to know you put in the super? Do you have, like, a lump sum amount you'd be comfortable with? Or that's exactly it. So take money out of your bank account, and we transfer it into super, and then we claim a notice of intent against that once it's in super. Yeah. So the way it works you're right. To give you a bit of clarity there, it's called a deductible contribution. So we take money that you've already paid tax on, like, out of your bank account or savings or something like that, you transfer that straight into super. Because looking at your contributions this financial year, you're right on that twenty nine thousand nine six three already. So you're basically capping out with your contributions currently. Mhmm. Yeah. Are you I'm just looking at your contributions going in. Let's have a look. Yeah. Okay. Yep. Perfect. Where are we? So I'm actually here. I'm just having a quick look at your contributions. They tend to go in around the fifteenth of every month. So around about the fifteenth of next month, you'll have probably another $1,800 there. So because your balance was under 500,000 as at the July 1 year, you should still have access to those types of contributions. But if we don't use them this year, you may not get access to them next financial year depending on how your balance goes. I reckon you might get one more year out of them, but it just depends upon what the market does as well. But, essentially, with a deductible contribution, we take some money out of your bank account. You've already paid tax on that money, put that into super, and then we claim a notice of intent. That then means that the super fund about 15% tax. It changes the contribution, and then the amount you put into super, you can claim on your tax return as a bit of a tax deduction. So it kind of works really well to help reduce your taxable income a bit there as well. Yeah. Yeah. Yeah. Yes. Perfect. I'll shoot you to an email. Yes. Perfect. Yeah. We'll need to get it done generally before the last week of June. So I would be wanting to get these sort of done no later than, say, the June 20 to make sure they all go in because then the super fund has to process the contributions, and we claim the notice of intent. We can do it straight after, but the notice intent doesn't have to be claimed till after the July 1. It's just getting the contribution in on time. So yeah. So if you like, I'll send the email straight after this, give you the direction on how to get that information from your MyGov account. If you can shoot that back to me, I can do some numbers and some playing there for you, and then you can let me know. We can do it without advice to make it quicker where you just transfer the money in and tell me once you've done it, and I'll just give you some general information around, you know, what that might look like. The tax deduction I mean, you might have other deductions that might help reduce some you know, that you might also be able to provide there, but I can give you some general information on what that looks like. We can get that money in, and then you've got something done before the end of the financial year to help you out a little bit. Yeah. Perfect. Excellent. Excellent. Perfect. Do you have any other questions or anything else you wanted me to touch base on? Or No. Yep. Beautiful. Yeah. Not every year. As of next year, the contributions cap will be increasing by 2,500, so it goes from 30,000 to 32,500. It tends to do that sort of every two to three years depending on sort of how everything goes. So it should be every second year that they increase it in 2,500 increments unless they change that legislation at all. But they're also increasing the non concessional cut, which is great to a 130,000. So, yeah, we've got extra space in other ways if we need to. Okay. Mhmm. We we can. It just depends on with your increase in income. Just yeah. Have you look at how much you've got going because this year, it looks like you might just exceed the cap a little bit with what you've got. Yeah. That's probably where that extra comes from. Yeah. Yep. Yeah. There was. Yeah. They owed you a bit of back pay. Yeah. There was a nice big $10,000 one that went in there. Yeah. Perfect. I mean, we can do it this way each year if you want because, I mean, family sacrifice is good. There are limitations to it. When you think of it from a tax point of view, making more of a deductible contribution works more in your favor. Even if we can't sort of even if we can't use CACAA contributions moving forward, we can look at what goes in from your employer each year and then around June, work out what you can put in as a lump sum to kind of boost it up to the cap. And we can do it that way because, I mean, salary sacrifice comes out of your income. It doesn't provide as big of a deduction, whereas if you were to make, like, a big $10,000 deductible contribution, that $10,000 you can take and claim back on your tax return. So from a tax point of view, the deductible contribution works out more in our favor. Yeah. Beautiful. Easy. Do you want me to, in the email, put a little bit of information on what a deductible contribution is to kinda give you a bit of a breakdown? I know we've talked about a lot of things, so just to kind of add a bit more detail there for you. Yeah. Fantastic. Not an issue at all. I'll get those out to you shortly. If there's any additional questions or anything else for me, please don't ever hesitate and let me know, and I'll go back and look at doing that investment switch keeping that high growth environment, remove Ben along, and put something else in place and show you what that looks like. Okay. Beautiful. Easy. Thank you so much. I'll let you go, Paula. I hope you have a lovely evening, but thanks for your time. No worries. I'll talk to you soon. Thanks. See you later. Bye.","confidence":0.99609375,"words":[{"word":"hi","start":2.3999999,"end":2.6399999,"confidence":0.9951172,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.09942314028739928},{"word":"paul","start":2.6399999,"end":2.96,"confidence":0.8388672,"punctuated_word":"Paul.","sentiment":"neutral","sentiment_score":0.13734571635723114},{"word":"it's","start":2.96,"end":3.1999998,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.15819349884986875},{"word":"dana","start":3.1999998,"end":3.4399998,"confidence":0.8828125,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.1567591428756714},{"word":"from","start":3.4399998,"end":3.6799998,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17218618094921112},{"word":"it","start":3.6799998,"end":3.9199998,"confidence":0.12158203,"punctuated_word":"IT","sentiment":"neutral","sentiment_score":0.17990602552890778},{"word":"financial","start":3.9199998,"end":4.42,"confidence":0.9941406,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.1326841413974762},{"word":"how","start":4.48,"end":4.72,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.16640640795230863},{"word":"are","start":4.72,"end":4.88,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18808646500110623},{"word":"you","start":4.88,"end":5.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21127916872501373},{"word":"this","start":5.04,"end":5.2799997,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.221211239695549},{"word":"afternoon","start":5.2799997,"end":5.7799997,"confidence":1.0,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.21515771746635437},{"word":"i'm","start":7.44,"end":7.7599998,"confidence":0.9753418,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5713229179382324},{"word":"very","start":7.7599998,"end":8.0,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6296714544296265},{"word":"well","start":8.0,"end":8.24,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6208996772766113},{"word":"thank","start":8.24,"end":8.48,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6827077269554138},{"word":"you","start":8.48,"end":8.72,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6629644632339478},{"word":"i","start":8.72,"end":8.8,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3904060125350952},{"word":"just","start":8.8,"end":8.88,"confidence":0.9951172,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3929010033607483},{"word":"had","start":8.88,"end":9.04,"confidence":0.94140625,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4026155471801758},{"word":"you","start":9.04,"end":9.2,"confidence":0.8256836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24011625349521637},{"word":"booked","start":9.2,"end":9.36,"confidence":0.98291016,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.3299221694469452},{"word":"in","start":9.36,"end":9.599999,"confidence":0.9667969,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3050364553928375},{"word":"to","start":9.599999,"end":9.679999,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.244571790099144},{"word":"go","start":9.679999,"end":9.84,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2643512487411499},{"word":"through","start":9.84,"end":10.0,"confidence":0.9536133,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.33831509947776794},{"word":"your","start":10.0,"end":10.16,"confidence":0.83984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28350451588630676},{"word":"annual","start":10.16,"end":10.4,"confidence":0.8881836,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.3554835915565491},{"word":"review","start":10.4,"end":10.719999,"confidence":0.9819336,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.2669600546360016},{"word":"is","start":10.719999,"end":10.88,"confidence":0.8598633,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.20628787577152252},{"word":"now","start":10.88,"end":11.04,"confidence":0.9111328,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2098112851381302},{"word":"still","start":11.04,"end":11.28,"confidence":0.9448242,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2157786637544632},{"word":"a","start":11.28,"end":11.44,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28200763463974},{"word":"good","start":11.44,"end":11.599999,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.27860599756240845},{"word":"time","start":11.599999,"end":11.84,"confidence":0.89501953,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3576173782348633},{"word":"there","start":11.84,"end":12.0,"confidence":0.6230469,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3821106255054474},{"word":"for","start":12.0,"end":12.24,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31196993589401245},{"word":"you","start":12.24,"end":12.645,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.25491800904273987},{"word":"yeah","start":14.405001,"end":14.725,"confidence":0.93530273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22542467713356015},{"word":"all","start":14.725,"end":14.965,"confidence":0.93603516,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3855340778827667},{"word":"good","start":14.965,"end":15.285,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.369232714176178},{"word":"how's","start":15.285,"end":15.525001,"confidence":0.9692383,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.2043975442647934},{"word":"your","start":15.525001,"end":15.685,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14494682848453522},{"word":"day","start":15.685,"end":15.925,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.20992419123649597},{"word":"been","start":15.925,"end":16.165,"confidence":0.8178711,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.14825960993766785},{"word":"so","start":16.165,"end":16.405,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1310233473777771},{"word":"far","start":16.405,"end":16.905,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.14176329970359802},{"word":"yeah","start":19.045,"end":19.545,"confidence":0.8815918,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.07514984905719757},{"word":"oh","start":20.005001,"end":20.245,"confidence":0.8886719,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.07946109026670456},{"word":"that's","start":20.245,"end":20.405,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10204845666885376},{"word":"good","start":20.405,"end":20.725,"confidence":0.97314453,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2634534239768982},{"word":"i","start":20.725,"end":20.965,"confidence":0.4724121,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24627813696861267},{"word":"yeah","start":21.205,"end":21.605,"confidence":0.96972656,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.24587395787239075},{"word":"it's","start":21.605,"end":21.765,"confidence":0.5246582,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4042531847953797},{"word":"been","start":21.765,"end":21.925,"confidence":0.74560547,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.4076037406921386},{"word":"good","start":21.925,"end":22.244999,"confidence":0.9458008,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3910629153251648},{"word":"busy","start":22.244999,"end":22.645,"confidence":0.9534505,"punctuated_word":"Busy,","sentiment":"neutral","sentiment_score":0.22563622891902924},{"word":"but","start":22.645,"end":22.965,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.22008688747882843},{"word":"just","start":22.965,"end":23.125,"confidence":0.35253906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18452703952789307},{"word":"for","start":23.125,"end":23.285,"confidence":0.70410156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.245404452085495},{"word":"having","start":23.285,"end":23.525002,"confidence":0.9506836,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1831490844488144},{"word":"the","start":23.525002,"end":23.685001,"confidence":0.50634766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1863832175731659},{"word":"end","start":23.685001,"end":23.845001,"confidence":0.9941406,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.24629217386245728},{"word":"of","start":23.845001,"end":24.005001,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22966627776622772},{"word":"financial","start":24.005001,"end":24.485,"confidence":0.9873047,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.22220101952552795},{"word":"year","start":24.485,"end":24.805,"confidence":0.82128906,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.23951515555381775},{"word":"so","start":24.805,"end":24.965,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18953856825828552},{"word":"it's","start":24.965,"end":25.205,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17339107394218445},{"word":"all","start":25.205,"end":25.605,"confidence":0.98535156,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3058036267757416},{"word":"okay","start":25.605,"end":26.105,"confidence":0.9975586,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3396511375904083},{"word":"yeah","start":28.21,"end":28.71,"confidence":0.96875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10128524899482728},{"word":"how's","start":28.849998,"end":29.17,"confidence":0.92333984,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.04253276810050011},{"word":"everything","start":29.17,"end":29.49,"confidence":0.9838867,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.02815956063568592},{"word":"been","start":29.49,"end":29.65,"confidence":0.7998047,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.01639353297650814},{"word":"going","start":29.65,"end":29.89,"confidence":0.9243164,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.03217019885778427},{"word":"since","start":29.89,"end":30.13,"confidence":0.9404297,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.033962711691856384},{"word":"we","start":30.13,"end":30.289999,"confidence":0.6015625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027209490537643433},{"word":"last","start":30.289999,"end":30.449999,"confidence":0.94384766,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02440272271633148},{"word":"closed","start":30.449999,"end":30.689999,"confidence":0.6381836,"punctuated_word":"closed","sentiment":"neutral","sentiment_score":0.028414957225322723},{"word":"tabspace","start":30.689999,"end":31.189999,"confidence":0.5807292,"punctuated_word":"Tabspace?","sentiment":"neutral","sentiment_score":0.02757084928452969},{"word":"is","start":31.25,"end":31.41,"confidence":0.66503906,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.011130668222904204},{"word":"there","start":31.41,"end":31.57,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.006953956559300423},{"word":"anything","start":31.57,"end":32.07,"confidence":0.9941406,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.002675784751772881},{"word":"big","start":32.129997,"end":32.37,"confidence":0.8178711,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.013445518910884855},{"word":"change","start":32.37,"end":32.69,"confidence":0.508667,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.013614190742373466},{"word":"any","start":32.69,"end":32.93,"confidence":0.87060547,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.01408827118575573},{"word":"new","start":32.93,"end":33.09,"confidence":0.9667969,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.018153442069888115},{"word":"pay","start":33.09,"end":33.329998,"confidence":0.98291016,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.014057928696274756},{"word":"rises","start":33.329998,"end":33.73,"confidence":0.873291,"punctuated_word":"rises,","sentiment":"neutral","sentiment_score":-0.006376996170729399},{"word":"or","start":33.73,"end":33.809998,"confidence":0.96875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.007608082145452499},{"word":"any","start":33.809998,"end":34.05,"confidence":0.9941406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0017242170870304108},{"word":"changes","start":34.05,"end":34.37,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.003818996250629425},{"word":"in","start":34.37,"end":34.61,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0025800522416830063},{"word":"your","start":34.61,"end":34.85,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.003639262169599533},{"word":"role","start":34.85,"end":35.35,"confidence":0.9880371,"punctuated_word":"role?","sentiment":"neutral","sentiment_score":0.0024728691205382347},{"word":"yeah","start":39.825,"end":40.325,"confidence":0.90356445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01443968154489994},{"word":"yeah","start":40.465,"end":40.965,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.012302062474191189},{"word":"yeah","start":43.185,"end":43.685,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02847708947956562},{"word":"no","start":47.665,"end":48.165,"confidence":0.7819824,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.04719650372862816},{"word":"yeah","start":49.745003,"end":50.245003,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002698543481528759},{"word":"no","start":50.305,"end":50.545,"confidence":0.9890137,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01329327281564474},{"word":"that's","start":50.545,"end":50.785,"confidence":0.93530273,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.010323168709874151},{"word":"okay","start":50.785,"end":51.185,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04891319572925568},{"word":"not","start":51.185,"end":51.425,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.07829988747835159},{"word":"a","start":51.425,"end":51.505,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04866760224103928},{"word":"problem","start":51.505,"end":51.905,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.06533294916152954},{"word":"at","start":51.905,"end":52.065002,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05235258489847183},{"word":"all","start":52.065002,"end":52.225,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.1015842780470848},{"word":"excellent","start":52.225,"end":52.705,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.2661464810371399},{"word":"what","start":52.705,"end":52.945,"confidence":0.5629883,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.006160318851470947},{"word":"i'll","start":52.945,"end":53.105,"confidence":0.8261719,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0067816367372870445},{"word":"do","start":53.105,"end":53.49,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.004731416702270508},{"word":"is","start":53.730003,"end":54.13,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03373999521136284},{"word":"we","start":54.13,"end":54.370003,"confidence":0.4128418,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.030119959264993668},{"word":"don't","start":54.370003,"end":54.530003,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03423258289694786},{"word":"use","start":54.530003,"end":54.77,"confidence":0.99316406,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.04435422644019127},{"word":"docusign","start":54.77,"end":55.25,"confidence":0.99869794,"punctuated_word":"DocuSign","sentiment":"neutral","sentiment_score":-0.03403214365243912},{"word":"anymore","start":55.25,"end":55.57,"confidence":0.91308594,"punctuated_word":"anymore.","sentiment":"neutral","sentiment_score":-0.0423801988363266},{"word":"we","start":55.57,"end":55.730003,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.009121634066104887},{"word":"use","start":55.730003,"end":55.97,"confidence":0.9970703,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.008139409124851227},{"word":"odosign","start":55.97,"end":56.47,"confidence":0.7871704,"punctuated_word":"OdoSign.","sentiment":"neutral","sentiment_score":0.01948884129524231},{"word":"so","start":56.690002,"end":57.09,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03909940645098686},{"word":"what","start":57.09,"end":57.25,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04786500707268715},{"word":"i'll","start":57.25,"end":57.41,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05400700867176056},{"word":"do","start":57.41,"end":57.57,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05047911778092384},{"word":"is","start":57.57,"end":57.65,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04533658176660538},{"word":"i'll","start":57.65,"end":57.730003,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08438383042812347},{"word":"go","start":57.730003,"end":57.890003,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07914794981479645},{"word":"through","start":57.890003,"end":58.13,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09264491498470306},{"word":"the","start":58.13,"end":58.29,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0771670788526535},{"word":"annual","start":58.29,"end":58.530003,"confidence":0.99316406,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.08124510198831558},{"word":"review","start":58.530003,"end":58.77,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.068019337952137},{"word":"with","start":58.77,"end":59.09,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09161382913589478},{"word":"you","start":59.09,"end":59.25,"confidence":0.9577637,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.0916990265250206},{"word":"give","start":59.25,"end":59.410004,"confidence":0.99609375,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.08802105486392975},{"word":"you","start":59.410004,"end":59.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09590958803892136},{"word":"an","start":59.49,"end":59.65,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07244717329740524},{"word":"update","start":59.65,"end":59.97,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.08778080344200134},{"word":"on","start":59.97,"end":60.13,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08472773432731628},{"word":"how","start":60.13,"end":60.29,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08301156759262085},{"word":"things","start":60.29,"end":60.61,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.09200890362262726},{"word":"are","start":60.61,"end":60.690002,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08764854073524475},{"word":"going","start":60.690002,"end":61.190002,"confidence":0.9748535,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":0.07763274013996124},{"word":"update","start":61.49,"end":61.81,"confidence":0.98095703,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10517741739749908},{"word":"all","start":61.81,"end":61.93,"confidence":0.88671875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08801212161779404},{"word":"of","start":61.93,"end":62.050003,"confidence":0.96240234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08781556785106659},{"word":"your","start":62.050003,"end":62.29,"confidence":0.49853516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06819550693035126},{"word":"circumstances","start":62.29,"end":62.79,"confidence":0.67993164,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":0.08063006401062012},{"word":"and","start":63.010002,"end":63.170002,"confidence":0.640625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08099062740802765},{"word":"have","start":63.170002,"end":63.33,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0933658331632614},{"word":"a","start":63.33,"end":63.410004,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07965636998414993},{"word":"bit","start":63.410004,"end":63.65,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0986117273569107},{"word":"of","start":63.65,"end":63.730003,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07805672287940979},{"word":"a","start":63.730003,"end":63.81,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06653996556997299},{"word":"chat","start":63.81,"end":63.97,"confidence":0.88671875,"punctuated_word":"chat.","sentiment":"neutral","sentiment_score":0.054218828678131104},{"word":"and","start":63.97,"end":64.130005,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04975922405719757},{"word":"then","start":64.130005,"end":64.29,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05859389156103134},{"word":"after","start":64.29,"end":64.61,"confidence":0.9863281,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.06359758973121643},{"word":"the","start":64.61,"end":64.770004,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06106911599636078},{"word":"call","start":64.770004,"end":64.93,"confidence":0.90527344,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.05646096542477608},{"word":"out","start":64.93,"end":65.17,"confidence":0.42944336,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07336792349815369},{"word":"will","start":65.17,"end":65.33,"confidence":0.8330078,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06832130253314972},{"word":"come","start":65.33,"end":65.490005,"confidence":0.99609375,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.0953255295753479},{"word":"your","start":65.490005,"end":65.65,"confidence":0.91503906,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07116469740867615},{"word":"annual","start":65.65,"end":65.97,"confidence":0.99902344,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.07344836741685867},{"word":"review","start":65.97,"end":66.21,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.05566180869936943},{"word":"pack","start":66.21,"end":66.53,"confidence":0.39501953,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.057243868708610535},{"word":"so","start":66.53,"end":66.69,"confidence":0.7060547,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06563092023134232},{"word":"you","start":66.69,"end":66.770004,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0799376517534256},{"word":"can","start":66.770004,"end":66.93,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07419324666261673},{"word":"take","start":66.93,"end":67.17,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08599404245615005},{"word":"some","start":67.17,"end":67.33,"confidence":0.9941406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05780649930238724},{"word":"time","start":67.33,"end":67.490005,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06597590446472168},{"word":"and","start":67.490005,"end":67.65,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0663682371377945},{"word":"have","start":67.65,"end":67.81,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0898393914103508},{"word":"a","start":67.81,"end":67.89,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08260613679885864},{"word":"bit","start":67.89,"end":68.05,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09528221935033798},{"word":"of","start":68.05,"end":68.130005,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10604709386825562},{"word":"a","start":68.130005,"end":68.21,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08571933209896088},{"word":"look","start":68.21,"end":68.37,"confidence":0.9941406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09719951450824738},{"word":"at","start":68.37,"end":68.53,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1079060435295105},{"word":"it","start":68.53,"end":68.61,"confidence":0.9589844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11465975642204285},{"word":"and","start":68.61,"end":68.805,"confidence":0.43017578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0795525312423706},{"word":"let","start":70.805,"end":71.03,"confidence":0.9741211,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08772382885217667},{"word":"me","start":71.03,"end":71.255,"confidence":0.99609375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08741848170757294},{"word":"know","start":71.255,"end":71.48,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.10467925667762756},{"word":"if","start":71.48,"end":71.705,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07076975703239441},{"word":"there's","start":71.705,"end":71.93,"confidence":0.9897461,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.04681960865855217},{"word":"any","start":71.93,"end":72.155,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.044886015355587006},{"word":"additional","start":72.155,"end":72.38,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.026570389047265053},{"word":"questions","start":72.38,"end":72.604996,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03525008633732796},{"word":"that","start":72.604996,"end":72.83,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11402196437120438},{"word":"you","start":72.83,"end":73.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09189951419830322},{"word":"do","start":73.055,"end":73.28,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10308174788951874},{"word":"have","start":73.28,"end":73.505,"confidence":0.99902344,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.14104124903678894},{"word":"is","start":73.505,"end":73.729996,"confidence":0.98535156,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1842924058437347},{"word":"that","start":73.729996,"end":73.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16624100506305697},{"word":"okay","start":73.955,"end":74.18,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.15068335831165314},{"word":"yep","start":74.18,"end":74.405,"confidence":0.84594727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14259137213230133},{"word":"easy","start":74.405,"end":74.905,"confidence":0.95410156,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.23057794570922852},{"word":"all","start":74.965,"end":75.205,"confidence":0.98095703,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.27698588371276855},{"word":"good","start":75.205,"end":75.685,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2508327066898346},{"word":"before","start":75.685,"end":76.005,"confidence":0.70996094,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.10029597580432892},{"word":"we","start":76.005,"end":76.085,"confidence":0.8017578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09719236195087431},{"word":"jump","start":76.085,"end":76.245,"confidence":0.99121094,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.11503131687641144},{"word":"into","start":76.245,"end":76.405,"confidence":0.28149414,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11158059537410736},{"word":"the","start":76.405,"end":76.485,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1059698686003685},{"word":"call","start":76.485,"end":76.725,"confidence":0.9885254,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.07641888409852982},{"word":"just","start":76.725,"end":76.965,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09176784753799438},{"word":"to","start":76.965,"end":77.045,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12225839495658876},{"word":"obviously","start":77.045,"end":77.445,"confidence":0.7475586,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.11176196485757828},{"word":"let","start":77.445,"end":77.605,"confidence":0.9902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11268892139196396},{"word":"you","start":77.605,"end":77.685,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09700062870979308},{"word":"know","start":77.685,"end":77.845,"confidence":0.8642578,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1095692217350006},{"word":"we","start":77.845,"end":78.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11107762157917024},{"word":"do","start":78.005,"end":78.165,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12026964128017426},{"word":"record","start":78.165,"end":78.485,"confidence":0.9770508,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.12386150658130646},{"word":"these","start":78.485,"end":78.645004,"confidence":0.9741211,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.11535277962684631},{"word":"calls","start":78.645004,"end":78.965,"confidence":0.99902344,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.09402376413345336},{"word":"moving","start":78.965,"end":79.285,"confidence":0.99609375,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.13932208716869354},{"word":"forward","start":79.285,"end":79.785,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.13975659012794495},{"word":"for","start":79.845,"end":80.085,"confidence":0.96875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1017984300851822},{"word":"training","start":80.085,"end":80.405,"confidence":0.9980469,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.110684834420681},{"word":"and","start":80.405,"end":80.565,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09863321483135223},{"word":"quality","start":80.565,"end":80.885,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.1046113446354866},{"word":"purposes","start":80.885,"end":81.365,"confidence":0.9980469,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.1209317296743393},{"word":"are","start":81.365,"end":81.525,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.10732407867908478},{"word":"you","start":81.525,"end":81.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.151315838098526},{"word":"happy","start":81.685,"end":82.005,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.1529397964477539},{"word":"for","start":82.005,"end":82.165,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16263362765312195},{"word":"me","start":82.165,"end":82.325,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14688314497470856},{"word":"to","start":82.325,"end":82.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15672513842582703},{"word":"proceed","start":82.485,"end":82.805,"confidence":0.99316406,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.1863987147808075},{"word":"with","start":82.805,"end":82.965,"confidence":0.97265625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18516764044761655},{"word":"that","start":82.965,"end":83.125,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2193524539470673},{"word":"moving","start":83.125,"end":83.445,"confidence":0.9863281,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.19225794076919556},{"word":"through","start":83.445,"end":83.604996,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1524406671524048},{"word":"the","start":83.604996,"end":83.765,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1445346176624298},{"word":"call","start":83.765,"end":84.265,"confidence":0.99853516,"punctuated_word":"call?","sentiment":"neutral","sentiment_score":0.11989397555589676},{"word":"yeah","start":85.520004,"end":85.840004,"confidence":0.87402344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.28851938247680664},{"word":"fantastic","start":85.840004,"end":86.340004,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5292361378669739},{"word":"excellent","start":86.64,"end":87.12,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4212870001792908},{"word":"and","start":87.12,"end":87.36,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26696181297302246},{"word":"i'll","start":87.36,"end":87.44,"confidence":0.99316406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24139204621315},{"word":"just","start":87.44,"end":87.6,"confidence":0.93408203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2560119032859802},{"word":"do","start":87.6,"end":87.840004,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22012269496917725},{"word":"security","start":87.840004,"end":88.16,"confidence":0.94628906,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.13586784899234772},{"word":"there","start":88.16,"end":88.32,"confidence":0.5649414,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.195581778883934},{"word":"with","start":88.32,"end":88.48,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18240861594676971},{"word":"you","start":88.48,"end":88.64,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21241767704486847},{"word":"as","start":88.64,"end":88.8,"confidence":0.94970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18913879990577695},{"word":"well","start":88.8,"end":88.96,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.16229984164237976},{"word":"just","start":88.96,"end":89.200005,"confidence":0.5649414,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19402772188186648},{"word":"to","start":89.200005,"end":89.36,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16320516169071198},{"word":"confirm","start":89.36,"end":89.68,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.1538749635219574},{"word":"your","start":89.68,"end":89.840004,"confidence":0.5644531,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13295063376426697},{"word":"full","start":89.840004,"end":90.08,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1455100029706955},{"word":"name","start":90.08,"end":90.24,"confidence":0.986084,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.12803752720355988},{"word":"your","start":90.24,"end":90.48,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13425812125205994},{"word":"address","start":90.48,"end":90.8,"confidence":0.9880371,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.12975060939788818},{"word":"and","start":90.8,"end":90.880005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12128373980522156},{"word":"date","start":90.880005,"end":91.12,"confidence":0.9980469,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.15220704674720764},{"word":"of","start":91.12,"end":91.200005,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14685633778572085},{"word":"birth","start":91.200005,"end":91.44,"confidence":0.99902344,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.13030262291431427},{"word":"i","start":91.44,"end":91.520004,"confidence":0.9243164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1829296052455902},{"word":"should","start":91.520004,"end":91.76,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1401761770248413},{"word":"have","start":91.76,"end":91.92,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12699264287948608},{"word":"on","start":91.92,"end":92.08,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11244789510965349},{"word":"file","start":92.08,"end":92.32,"confidence":0.9980469,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.11887446790933608},{"word":"before","start":92.32,"end":92.56,"confidence":0.9550781,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.0944237783551216},{"word":"i","start":92.56,"end":92.72,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08312255144119263},{"word":"give","start":92.72,"end":92.96,"confidence":0.9248047,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09478770196437836},{"word":"out","start":92.96,"end":93.04,"confidence":0.74560547,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1257067322731018},{"word":"any","start":93.04,"end":93.28,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1367407590150833},{"word":"personal","start":93.28,"end":93.68,"confidence":0.98828125,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.057230886071920395},{"word":"information","start":93.68,"end":94.18,"confidence":0.96899414,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.04632896929979324},{"word":"yep","start":96.72,"end":97.22,"confidence":0.92822266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0269169881939888},{"word":"yep","start":98.16,"end":98.66,"confidence":0.9123535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01805892400443554},{"word":"legend","start":100.935,"end":101.435,"confidence":0.95996094,"punctuated_word":"Legend.","sentiment":"neutral","sentiment_score":0.3059413731098175},{"word":"beautiful","start":101.735,"end":102.235,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6985548734664917},{"word":"thank","start":102.295,"end":102.615,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8239083886146545},{"word":"you","start":102.615,"end":102.775,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8244650959968567},{"word":"so","start":102.775,"end":102.935,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7701147198677063},{"word":"much","start":102.935,"end":103.255,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8107229471206665},{"word":"for","start":103.255,"end":103.415,"confidence":0.9941406,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7627703547477722},{"word":"that","start":103.415,"end":103.915,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6807045936584473},{"word":"so","start":104.215,"end":104.455,"confidence":0.7285156,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2340831160545349},{"word":"joel","start":104.455,"end":104.615,"confidence":0.8269043,"punctuated_word":"Joel,","sentiment":"neutral","sentiment_score":0.15010270476341248},{"word":"i","start":104.615,"end":104.775,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1194032058119774},{"word":"know","start":104.775,"end":104.935,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09911850839853288},{"word":"you","start":104.935,"end":105.095,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06971906125545502},{"word":"did","start":105.095,"end":105.335,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.08505779504776001},{"word":"speak","start":105.335,"end":105.495,"confidence":0.99902344,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.09343846887350082},{"word":"to","start":105.495,"end":105.655,"confidence":0.95947266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07593580335378647},{"word":"my","start":105.655,"end":105.815,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07190188020467758},{"word":"colleague","start":105.815,"end":106.215,"confidence":0.9970703,"punctuated_word":"colleague","sentiment":"neutral","sentiment_score":0.09015312790870668},{"word":"samantha","start":106.215,"end":106.715,"confidence":0.59521484,"punctuated_word":"Samantha","sentiment":"neutral","sentiment_score":0.0785144716501236},{"word":"about","start":107.015,"end":107.335,"confidence":0.92333984,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0696437880396843},{"word":"a","start":107.335,"end":107.415,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08649018406867981},{"word":"week","start":107.415,"end":107.575,"confidence":0.99902344,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.07060068100690842},{"word":"ago","start":107.575,"end":107.895,"confidence":0.9902344,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":0.08623949438333511},{"word":"now","start":107.895,"end":108.135,"confidence":0.6953125,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.09521661698818208},{"word":"and","start":108.135,"end":108.215,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0584351047873497},{"word":"she","start":108.215,"end":108.375,"confidence":0.98291016,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.08257949352264404},{"word":"sent","start":108.375,"end":108.534996,"confidence":0.9760742,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.06277847290039062},{"word":"an","start":108.534996,"end":108.775,"confidence":0.95947266,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05380808934569359},{"word":"email","start":108.775,"end":109.095,"confidence":0.9980469,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.08038362860679626},{"word":"to","start":109.095,"end":109.255,"confidence":0.9135742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05774085223674774},{"word":"you","start":109.255,"end":109.415,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06265240907669067},{"word":"just","start":109.415,"end":109.575,"confidence":0.5649414,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06668368726968765},{"word":"giving","start":109.575,"end":109.815,"confidence":0.9482422,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.06165105104446411},{"word":"you","start":109.815,"end":109.895,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08126428723335266},{"word":"a","start":109.895,"end":109.975,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07539349794387817},{"word":"bit","start":109.975,"end":110.135,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09497970342636108},{"word":"of","start":110.135,"end":110.215,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09203846007585526},{"word":"an","start":110.215,"end":110.295,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08810442686080933},{"word":"update","start":110.295,"end":110.534996,"confidence":0.9741211,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.08146481961011887},{"word":"on","start":110.534996,"end":110.695,"confidence":0.921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06902983039617538},{"word":"your","start":110.695,"end":110.935,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06520942598581314},{"word":"portfolio","start":110.935,"end":111.415,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.054034680128097534},{"word":"there","start":111.415,"end":111.655,"confidence":0.98217773,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04827345162630081},{"word":"did","start":111.655,"end":111.735,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.024080567061901093},{"word":"you","start":111.735,"end":111.895,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029968416318297383},{"word":"happen","start":111.895,"end":112.215,"confidence":0.9970703,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.02904735691845417},{"word":"to","start":112.215,"end":112.375,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03642734140157699},{"word":"have","start":112.375,"end":112.534996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.029679568484425545},{"word":"a","start":112.534996,"end":112.615,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02666402608156204},{"word":"look","start":112.615,"end":112.775,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02182278409600258},{"word":"through","start":112.775,"end":112.935,"confidence":0.8745117,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.037787918001413345},{"word":"the","start":112.935,"end":113.095,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03907756879925728},{"word":"email","start":113.095,"end":113.415,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.04236540198326111},{"word":"at","start":113.415,"end":113.575,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02386653795838356},{"word":"all","start":113.575,"end":114.075,"confidence":0.98706055,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.0362839475274086},{"word":"yep","start":115.97,"end":116.47,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18339475989341736},{"word":"fantastic","start":116.53,"end":117.03,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5336674451828003},{"word":"so","start":117.41,"end":117.57,"confidence":0.99609375,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3935782015323639},{"word":"this","start":117.57,"end":117.81,"confidence":0.94189453,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4522799849510193},{"word":"is","start":117.81,"end":117.97,"confidence":0.99121094,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4017241597175598},{"word":"yeah","start":118.13,"end":118.45,"confidence":0.96435547,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.4645019769668579},{"word":"it's","start":118.45,"end":118.69,"confidence":0.70043945,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6061376333236694},{"word":"all","start":118.69,"end":118.85,"confidence":0.8359375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6572083234786987},{"word":"good","start":118.85,"end":119.01,"confidence":0.76416016,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5283126831054688},{"word":"just","start":119.01,"end":119.25,"confidence":0.99609375,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.3711720407009125},{"word":"to","start":119.25,"end":119.33,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3244735300540924},{"word":"give","start":119.33,"end":119.57,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2735113501548767},{"word":"you","start":119.57,"end":119.65,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33840933442115784},{"word":"a","start":119.65,"end":119.73,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2964278757572174},{"word":"bit","start":119.73,"end":119.97,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2078741639852524},{"word":"of","start":119.97,"end":120.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2570457458496094},{"word":"an","start":120.05,"end":120.13,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2373209297657013},{"word":"update","start":120.13,"end":120.45,"confidence":0.9980469,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.2569476366043091},{"word":"on","start":120.45,"end":120.61,"confidence":0.5234375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.226710706949234},{"word":"where","start":120.61,"end":120.77,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.23517826199531555},{"word":"things","start":120.77,"end":121.09,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.32683393359184265},{"word":"are","start":121.09,"end":121.25,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24986790120601657},{"word":"going","start":121.25,"end":121.49,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.3235604465007782},{"word":"and","start":121.49,"end":121.65,"confidence":0.47192383,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30470043420791626},{"word":"so","start":121.65,"end":122.05,"confidence":0.8491211,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3389018774032593},{"word":"super","start":122.05,"end":122.37,"confidence":0.39379883,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3677441477775574},{"word":"probably","start":122.37,"end":122.69,"confidence":0.26635742,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.4089645147323608},{"word":"the","start":122.69,"end":122.85,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33513984084129333},{"word":"main","start":122.85,"end":123.01,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.32700008153915405},{"word":"thing","start":123.01,"end":123.17,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2912653088569641},{"word":"you're","start":123.17,"end":123.33,"confidence":0.8112793,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2765467166900635},{"word":"wanting","start":123.33,"end":123.65,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.01867503672838211},{"word":"to","start":123.65,"end":123.81,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026021087542176247},{"word":"sort","start":123.81,"end":124.05,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0428682416677475},{"word":"of","start":124.05,"end":124.13,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037234533578157425},{"word":"find","start":124.13,"end":124.37,"confidence":0.9980469,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.0245488490909338},{"word":"out","start":124.37,"end":124.53,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03068866953253746},{"word":"about","start":124.53,"end":125.03,"confidence":0.8625488,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.048970844596624374},{"word":"as","start":125.97,"end":126.29,"confidence":0.7753906,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.04258421808481216},{"word":"of","start":126.29,"end":126.61,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04628461599349976},{"word":"your","start":126.61,"end":126.85,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.046292535960674286},{"word":"last","start":126.85,"end":127.09,"confidence":0.984375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.018443824723362923},{"word":"annual","start":127.09,"end":127.49,"confidence":0.6230469,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.04886923357844353},{"word":"review","start":127.49,"end":127.81,"confidence":0.9951172,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.03388947248458862},{"word":"last","start":127.81,"end":128.05,"confidence":0.96533203,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.025316666811704636},{"word":"year","start":128.05,"end":128.29,"confidence":0.9592285,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.04812195152044296},{"word":"your","start":128.29,"end":128.45,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02774286642670631},{"word":"balance","start":128.45,"end":128.77,"confidence":0.97998047,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.035545557737350464},{"word":"is","start":128.77,"end":128.93,"confidence":0.6982422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03569025546312332},{"word":"about","start":128.93,"end":129.225,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.034352708607912064},{"word":"3","start":129.225,"end":129.625,"confidence":0.9980469,"punctuated_word":"3","sentiment":"neutral","sentiment_score":0.03760441765189171},{"word":"sorry","start":129.705,"end":129.945,"confidence":0.6621094,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.017990481108427048},{"word":"403,609","start":129.945,"end":133.405,"confidence":0.9736328,"punctuated_word":"403,609.","sentiment":"neutral","sentiment_score":0.024925025179982185},{"word":"having","start":133.785,"end":134.02501,"confidence":0.86279297,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":0.06960034370422363},{"word":"a","start":134.02501,"end":134.10501,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1022607833147049},{"word":"look","start":134.10501,"end":134.265,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09105904400348663},{"word":"at","start":134.265,"end":134.345,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0977143943309784},{"word":"things","start":134.345,"end":134.66501,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.14170023798942566},{"word":"now","start":134.66501,"end":134.985,"confidence":0.9941406,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.12100649625062944},{"word":"your","start":134.985,"end":135.145,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12415334582328796},{"word":"balance","start":135.145,"end":135.46501,"confidence":0.9951172,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1160232275724411},{"word":"is","start":135.46501,"end":135.625,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13112440705299375},{"word":"upwards","start":135.625,"end":136.02501,"confidence":0.8339844,"punctuated_word":"upwards","sentiment":"neutral","sentiment_score":0.16179975867271423},{"word":"of","start":136.02501,"end":136.18501,"confidence":0.95703125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19721850752830505},{"word":"475,904","start":136.18501,"end":138.82501,"confidence":0.97854006,"punctuated_word":"475,904.","sentiment":"neutral","sentiment_score":0.13308380544185638},{"word":"so","start":138.82501,"end":138.985,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2644731402397156},{"word":"it's","start":138.985,"end":139.145,"confidence":0.99316406,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3694462776184082},{"word":"a","start":139.145,"end":139.30501,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42836907505989075},{"word":"good","start":139.30501,"end":139.46501,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.474023312330246},{"word":"increase","start":139.46501,"end":139.865,"confidence":1.0,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.43228745460510254},{"word":"for","start":139.865,"end":140.02501,"confidence":0.9838867,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.47926416993141174},{"word":"the","start":140.02501,"end":140.18501,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42142897844314575},{"word":"year","start":140.18501,"end":140.68501,"confidence":0.98291016,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.3952741026878357},{"word":"when","start":140.74501,"end":140.985,"confidence":0.99316406,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.19218246638774872},{"word":"we","start":140.985,"end":141.145,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1800142228603363},{"word":"have","start":141.145,"end":141.30501,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12909117341041565},{"word":"a","start":141.30501,"end":141.38501,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13402920961380005},{"word":"look","start":141.38501,"end":141.625,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09473319351673126},{"word":"at","start":141.625,"end":141.785,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12080472707748412},{"word":"that","start":141.785,"end":141.945,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10942108929157256},{"word":"as","start":141.945,"end":142.18501,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09764286875724792},{"word":"an","start":142.18501,"end":142.425,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10056068003177644},{"word":"increase","start":142.425,"end":142.925,"confidence":0.9975586,"punctuated_word":"increase,","sentiment":"neutral","sentiment_score":0.14218950271606445},{"word":"you're","start":143.29001,"end":143.61,"confidence":0.98413086,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16281896829605105},{"word":"up","start":143.61,"end":143.85,"confidence":0.96972656,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17773011326789856},{"word":"by","start":143.85,"end":144.09001,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1432117372751236},{"word":"11.6%","start":144.09001,"end":145.79001,"confidence":0.9753906,"punctuated_word":"11.6%","sentiment":"neutral","sentiment_score":0.13475301861763},{"word":"net","start":145.93001,"end":146.17,"confidence":0.60058594,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.1731872409582138},{"word":"of","start":146.17,"end":146.33,"confidence":0.8491211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16404756903648376},{"word":"fees","start":146.33,"end":146.81,"confidence":0.9614258,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.14625799655914307},{"word":"for","start":146.81,"end":146.97,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13845165073871613},{"word":"the","start":146.97,"end":147.13,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13578397035598755},{"word":"year","start":147.13,"end":147.63,"confidence":0.9838867,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.13507521152496338},{"word":"when","start":148.01001,"end":148.25,"confidence":0.80615234,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.1584904044866562},{"word":"we","start":148.25,"end":148.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15400107204914093},{"word":"break","start":148.41,"end":148.73001,"confidence":0.95947266,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.18376514315605164},{"word":"that","start":148.73001,"end":148.89,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2148529887199402},{"word":"down","start":148.89,"end":149.21,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.153994619846344},{"word":"to","start":149.21,"end":149.29001,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17675668001174927},{"word":"a","start":149.29001,"end":149.45001,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1541619598865509},{"word":"dollar","start":149.45001,"end":149.85,"confidence":0.99902344,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.10781832039356232},{"word":"figure","start":149.85,"end":150.33,"confidence":0.9941406,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.18500946462154388},{"word":"as","start":150.33,"end":150.69,"confidence":0.6152344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16784989833831787},{"word":"it's","start":150.69,"end":151.05,"confidence":0.779541,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15895353257656095},{"word":"income","start":151.05,"end":151.53,"confidence":0.84228516,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1896594911813736},{"word":"and","start":151.53,"end":151.69,"confidence":0.7558594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1899564564228058},{"word":"growth","start":151.69,"end":152.01001,"confidence":0.5839844,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.25372275710105896},{"word":"there","start":152.01001,"end":152.25,"confidence":0.9316406,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2114275097846985},{"word":"you've","start":152.25,"end":152.49,"confidence":0.9926758,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.26778391003608704},{"word":"made","start":152.49,"end":152.81,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.2985028922557831},{"word":"about","start":152.81,"end":153.13,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.24327734112739563},{"word":"55,305","start":153.13,"end":155.21,"confidence":0.99958146,"punctuated_word":"55,305","sentiment":"neutral","sentiment_score":0.2593839168548584},{"word":"and","start":155.21,"end":155.45001,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17722241580486298},{"word":"76¢","start":155.45001,"end":156.49,"confidence":0.99121094,"punctuated_word":"76¢"},{"word":"for","start":156.49,"end":156.65001,"confidence":0.72802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20367348194122312},{"word":"the","start":156.65001,"end":156.81,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1625807285308838},{"word":"year","start":156.81,"end":157.05,"confidence":0.96606445,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.15866093337535858},{"word":"so","start":157.05,"end":157.455,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3558892607688904},{"word":"it's","start":157.535,"end":157.77501,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4716569185256958},{"word":"a","start":157.77501,"end":157.935,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5076215267181396},{"word":"good","start":157.935,"end":158.175,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.527568519115448},{"word":"increase","start":158.175,"end":158.675,"confidence":0.7340088,"punctuated_word":"increase.","sentiment":"neutral","sentiment_score":0.2951057255268097},{"word":"even","start":158.815,"end":159.05501,"confidence":1.0,"punctuated_word":"Even","sentiment":"positive","sentiment_score":0.3687270283699035},{"word":"after","start":159.05501,"end":159.295,"confidence":0.9863281,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1895459890365601},{"word":"the","start":159.295,"end":159.455,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21524658799171448},{"word":"volatility","start":159.455,"end":159.955,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.2035449892282486},{"word":"we","start":160.015,"end":160.175,"confidence":0.96972656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3247469365596771},{"word":"have","start":160.175,"end":160.41501,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.29949966073036194},{"word":"seen","start":160.41501,"end":160.655,"confidence":0.9819336,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.22682461142539975},{"word":"this","start":160.655,"end":160.895,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23358920216560364},{"word":"year","start":160.895,"end":161.215,"confidence":0.9980469,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2888578772544861},{"word":"it's","start":161.215,"end":161.375,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.48685115575790405},{"word":"good","start":161.375,"end":161.615,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5988942980766296},{"word":"to","start":161.615,"end":161.695,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5926295518875122},{"word":"see","start":161.695,"end":161.855,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5644593238830566},{"word":"you","start":161.855,"end":162.015,"confidence":0.7607422,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5574048161506653},{"word":"come","start":162.015,"end":162.175,"confidence":0.98828125,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.6008429527282715},{"word":"out","start":162.175,"end":162.335,"confidence":0.98535156,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.6176863312721252},{"word":"on","start":162.335,"end":162.495,"confidence":0.609375,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5668899416923523},{"word":"top","start":162.495,"end":162.995,"confidence":0.9506836,"punctuated_word":"top.","sentiment":"positive","sentiment_score":0.44468724727630615},{"word":"and","start":163.05501,"end":163.295,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2388797104358673},{"word":"with","start":163.295,"end":163.455,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3193012475967407},{"word":"your","start":163.455,"end":163.695,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31586676836013794},{"word":"portfolio","start":163.695,"end":164.195,"confidence":0.9980469,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.2864769995212555},{"word":"you're","start":164.655,"end":164.815,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2867766320705414},{"word":"in","start":164.815,"end":164.975,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3118551969528198},{"word":"that","start":164.975,"end":165.215,"confidence":0.94384766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2572072148323059},{"word":"high","start":165.215,"end":165.375,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2152511477470398},{"word":"growth","start":165.375,"end":165.775,"confidence":0.99609375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.31260061264038086},{"word":"environment","start":165.775,"end":166.275,"confidence":0.83081055,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.2486404925584793},{"word":"so","start":166.41501,"end":166.655,"confidence":0.9892578,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1618119776248932},{"word":"you","start":166.655,"end":166.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21741057932376864},{"word":"have","start":166.735,"end":166.975,"confidence":0.97998047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21375684440135956},{"word":"that","start":166.975,"end":167.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21090704202651975},{"word":"nine","start":167.215,"end":167.455,"confidence":0.5073242,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.1117740124464035},{"word":"to","start":167.455,"end":167.615,"confidence":0.94189453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06666620820760727},{"word":"10","start":167.615,"end":167.855,"confidence":0.9980469,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.10984154045581818},{"word":"split","start":167.855,"end":168.255,"confidence":0.98535156,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.12414677441120148},{"word":"as","start":168.255,"end":168.575,"confidence":0.5917969,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12160943448543549},{"word":"as","start":168.575,"end":168.815,"confidence":0.78808594,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11897480487823486},{"word":"we","start":168.815,"end":168.975,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1153617650270462},{"word":"have","start":168.975,"end":169.135,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12405867874622344},{"word":"kinda","start":169.135,"end":169.535,"confidence":0.7675781,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.12901633977890015},{"word":"gone","start":169.535,"end":169.775,"confidence":0.9560547,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.15730318427085876},{"word":"through","start":169.775,"end":170.095,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18525603413581848},{"word":"with","start":170.095,"end":170.255,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18503981828689575},{"word":"you","start":170.255,"end":170.755,"confidence":0.97802734,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14089259505271912},{"word":"so","start":171.23999,"end":171.4,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04714669659733772},{"word":"that","start":171.4,"end":171.72,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029100358486175537},{"word":"kind","start":171.72,"end":171.95999,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04419767856597901},{"word":"of","start":171.95999,"end":172.36,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034845709800720215},{"word":"you","start":172.43999,"end":172.59999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0516824871301651},{"word":"are","start":172.59999,"end":172.76,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.028787069022655487},{"word":"taking","start":172.76,"end":173.08,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.013972662389278412},{"word":"more","start":173.08,"end":173.31999,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.02655066549777985},{"word":"risk","start":173.31999,"end":173.56,"confidence":0.9838867,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0147307887673378},{"word":"in","start":173.56,"end":173.72,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04029495269060135},{"word":"the","start":173.72,"end":173.87999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.002829030156135559},{"word":"market","start":173.87999,"end":174.2,"confidence":0.8029785,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.009718090295791626},{"word":"so","start":174.2,"end":174.43999,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.000983498990535736},{"word":"you","start":174.43999,"end":174.59999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02933060377836227},{"word":"can","start":174.59999,"end":174.84,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.045449398458004},{"word":"sort","start":174.84,"end":175.07999,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.033637166023254395},{"word":"of","start":175.07999,"end":175.23999,"confidence":0.9223633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021600760519504547},{"word":"see","start":175.23999,"end":175.48,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03820541128516197},{"word":"more","start":175.48,"end":175.72,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.004811368882656097},{"word":"volatility","start":175.72,"end":176.22,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.027763761579990387},{"word":"and","start":176.28,"end":176.51999,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008089475333690643},{"word":"feel","start":176.51999,"end":176.76,"confidence":0.8769531,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.0005274266004562378},{"word":"more","start":176.76,"end":177.07999,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.004037715494632721},{"word":"volatility","start":177.07999,"end":177.57999,"confidence":0.99902344,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.02440862357616425},{"word":"as","start":177.72,"end":177.95999,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05733498185873032},{"word":"your","start":177.95999,"end":178.12,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06719687581062317},{"word":"balance","start":178.12,"end":178.51999,"confidence":0.9970703,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.008253917098045349},{"word":"increases","start":178.51999,"end":179.01999,"confidence":0.99609375,"punctuated_word":"increases","sentiment":"neutral","sentiment_score":0.07071122527122498},{"word":"as","start":179.15999,"end":179.23999,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09625157713890076},{"word":"well","start":179.23999,"end":179.64,"confidence":0.99316406,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07277248799800873},{"word":"so","start":179.64,"end":180.14,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21368417143821716},{"word":"11%","start":180.59999,"end":181.31999,"confidence":0.9621582,"punctuated_word":"11%","sentiment":"positive","sentiment_score":0.43313977122306824},{"word":"return","start":181.31999,"end":181.72,"confidence":0.9892578,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5475223660469055},{"word":"is","start":181.72,"end":181.95999,"confidence":0.92578125,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5634461641311646},{"word":"really","start":181.95999,"end":182.2,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5439296364784241},{"word":"good","start":182.2,"end":182.43999,"confidence":0.94384766,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.5338080525398254},{"word":"really","start":182.43999,"end":182.76,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5698503851890564},{"word":"happy","start":182.76,"end":183.0,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6106153130531311},{"word":"with","start":183.0,"end":183.23999,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5887974500656128},{"word":"that","start":183.23999,"end":183.73999,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5700472593307495},{"word":"you've","start":184.375,"end":184.615,"confidence":0.93603516,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.03204023092985153},{"word":"probably","start":184.615,"end":185.115,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01151401549577713},{"word":"heard","start":185.335,"end":185.655,"confidence":0.99121094,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.00027330219745635986},{"word":"and","start":185.655,"end":185.735,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0013408847153186798},{"word":"seen","start":185.735,"end":185.975,"confidence":0.9760742,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.008828546851873398},{"word":"what's","start":185.975,"end":186.21501,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.00003899882358382456},{"word":"happening","start":186.21501,"end":186.615,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.01886302605271339},{"word":"in","start":186.615,"end":186.77501,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023690499365329742},{"word":"the","start":186.77501,"end":186.93501,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03124828264117241},{"word":"markets","start":186.93501,"end":187.335,"confidence":0.79833984,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.03601561114192009},{"word":"a","start":187.335,"end":187.41501,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008799606002867222},{"word":"little","start":187.41501,"end":187.655,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.004981309175491333},{"word":"bit","start":187.655,"end":187.895,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.014177650213241575},{"word":"at","start":187.895,"end":188.29501,"confidence":0.9633789,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.011551637202501295},{"word":"the","start":188.29501,"end":188.535,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0103442445397377},{"word":"moment","start":188.535,"end":189.035,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.016252709552645683},{"word":"is","start":190.21501,"end":190.455,"confidence":0.9448242,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.006317978724837303},{"word":"there","start":190.455,"end":190.615,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.008193545043468475},{"word":"any","start":190.615,"end":190.85501,"confidence":0.99609375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.00840114988386631},{"word":"sort","start":190.85501,"end":191.015,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.006316119804978371},{"word":"of","start":191.015,"end":191.095,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0006246119737625122},{"word":"questions","start":191.095,"end":191.49501,"confidence":0.9951172,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.003299640491604805},{"word":"you","start":191.49501,"end":191.655,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005711181089282036},{"word":"might","start":191.655,"end":191.895,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0020207781344652176},{"word":"have","start":191.895,"end":192.21501,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.001419011503458023},{"word":"or","start":192.21501,"end":192.455,"confidence":0.39990234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.010042516514658928},{"word":"you","start":192.455,"end":192.615,"confidence":0.91845703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00686965137720108},{"word":"sort","start":192.615,"end":192.77501,"confidence":0.9633789,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.021326271817088127},{"word":"of","start":192.77501,"end":192.85501,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007919279858469963},{"word":"yeah","start":207.53,"end":208.03,"confidence":0.8208008,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03823070228099823},{"word":"absolutely","start":208.17,"end":208.67,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.04874170571565628},{"word":"so","start":208.89,"end":209.13,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016097426414489746},{"word":"when","start":209.13,"end":209.37,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0070825908333063126},{"word":"i","start":209.37,"end":209.53,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0031832195818424225},{"word":"kinda","start":209.53,"end":209.85,"confidence":0.80908203,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.005276118870824575},{"word":"break","start":209.85,"end":210.09,"confidence":0.8618164,"punctuated_word":"break","sentiment":"neutral","sentiment_score":-0.006082475185394287},{"word":"down","start":210.09,"end":210.33,"confidence":0.99609375,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0008024275302886963},{"word":"your","start":210.33,"end":210.49,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011360425502061844},{"word":"portfolio","start":210.49,"end":210.99,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.012579862028360369},{"word":"that","start":216.405,"end":216.72499,"confidence":0.9536133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11756563931703568},{"word":"is","start":216.72499,"end":216.845,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1207231432199478},{"word":"and","start":216.965,"end":217.125,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05894654616713524},{"word":"that's","start":217.125,"end":217.36499,"confidence":0.9597168,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04710011929273605},{"word":"one","start":217.36499,"end":217.44499,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.02350382879376411},{"word":"of","start":217.44499,"end":217.525,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014885429292917252},{"word":"the","start":217.525,"end":217.685,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.036756277084350586},{"word":"things","start":217.685,"end":217.845,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0028665289282798767},{"word":"i","start":217.845,"end":218.08499,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03536408767104149},{"word":"wanted","start":218.08499,"end":218.245,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.03782723471522331},{"word":"to","start":218.245,"end":218.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026153430342674255},{"word":"talk","start":218.405,"end":218.565,"confidence":0.9760742,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.031128965318202972},{"word":"to","start":218.565,"end":218.72499,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04315308481454849},{"word":"you","start":218.72499,"end":218.805,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04838375747203827},{"word":"about","start":218.805,"end":219.045,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04395017400383949},{"word":"today","start":219.045,"end":219.28499,"confidence":0.9890137,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.01456565223634243},{"word":"i","start":219.28499,"end":219.44499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01771591231226921},{"word":"am","start":219.44499,"end":219.605,"confidence":0.99902344,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.03825398534536362},{"word":"kinda","start":219.605,"end":219.92499,"confidence":0.9116211,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.049499399960041046},{"word":"going","start":219.92499,"end":220.165,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.05972027778625488},{"word":"through","start":220.165,"end":220.405,"confidence":0.9838867,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.053961243480443954},{"word":"everyone's","start":220.405,"end":220.885,"confidence":0.9975586,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":0.025916974991559982},{"word":"portfolios","start":220.885,"end":221.385,"confidence":0.9819336,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":-0.000049835070967674255},{"word":"with","start":221.44499,"end":221.685,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02747414819896221},{"word":"the","start":221.685,"end":221.765,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025152666494250298},{"word":"reviews","start":221.765,"end":222.265,"confidence":0.98828125,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.01835118792951107},{"word":"and","start":222.485,"end":222.72499,"confidence":0.7495117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02125336043536663},{"word":"looking","start":222.72499,"end":223.045,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.011552175506949425},{"word":"at","start":223.045,"end":223.125,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.008972980082035065},{"word":"what","start":223.125,"end":223.36499,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.017841003835201263},{"word":"we","start":223.36499,"end":223.525,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.028153080493211743},{"word":"maybe","start":223.525,"end":223.92499,"confidence":0.90234375,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.007206931710243225},{"word":"need","start":223.92499,"end":224.08499,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.006755076348781586},{"word":"to","start":224.08499,"end":224.165,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015096530318260191},{"word":"switch","start":224.165,"end":224.485,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.004760175943374634},{"word":"out","start":224.485,"end":224.72499,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.005090739578008652},{"word":"for","start":224.72499,"end":224.965,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01734738051891327},{"word":"you","start":224.965,"end":225.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012741021811962128},{"word":"because","start":225.125,"end":225.605,"confidence":0.84814453,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.011785443872213364},{"word":"obviously","start":225.605,"end":226.105,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.01605919376015663},{"word":"we","start":226.34,"end":226.5,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06787899881601334},{"word":"wanna","start":226.5,"end":226.73999,"confidence":0.97802734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0835435763001442},{"word":"make","start":226.73999,"end":226.9,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.016148552298545837},{"word":"sure","start":226.9,"end":227.22,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.047294050455093384},{"word":"that","start":227.22,"end":227.45999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03671827167272568},{"word":"nothing","start":227.45999,"end":227.78,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.027691274881362915},{"word":"is","start":227.78,"end":227.93999,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20485389232635495},{"word":"underperforming","start":227.93999,"end":228.43999,"confidence":0.99365234,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.21835105121135712},{"word":"in","start":228.73999,"end":228.9,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1619298905134201},{"word":"your","start":228.9,"end":229.06,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06620171666145325},{"word":"portfolio","start":229.06,"end":229.54,"confidence":0.9628906,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.1443488895893097},{"word":"and","start":229.54,"end":229.7,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.037632301449775696},{"word":"even","start":229.7,"end":229.93999,"confidence":0.9980469,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.05288153886795044},{"word":"with","start":229.93999,"end":230.09999,"confidence":0.98095703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17517808079719543},{"word":"an","start":230.09999,"end":230.18,"confidence":0.87890625,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2379310131072998},{"word":"11%","start":230.18,"end":230.81999,"confidence":0.99902344,"punctuated_word":"11%","sentiment":"neutral","sentiment_score":0.28185078501701355},{"word":"return","start":230.81999,"end":231.22,"confidence":0.99609375,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.2530103921890259},{"word":"it","start":231.22,"end":231.37999,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3363204598426819},{"word":"is","start":231.37999,"end":231.54,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24029771983623505},{"word":"a","start":231.54,"end":231.62,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27459731698036194},{"word":"great","start":231.62,"end":231.93999,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.41216135025024414},{"word":"return","start":231.93999,"end":232.26,"confidence":0.98168945,"punctuated_word":"return.","sentiment":"positive","sentiment_score":0.3360733389854431},{"word":"your","start":232.26,"end":232.5,"confidence":0.99609375,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.1913921982049942},{"word":"portfolio","start":232.5,"end":232.98,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.08602362871170044},{"word":"is","start":232.98,"end":233.14,"confidence":0.9633789,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2576472759246826},{"word":"working","start":233.14,"end":233.45999,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.3316079378128052},{"word":"well","start":233.45999,"end":233.7,"confidence":0.98168945,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.19690516591072085},{"word":"but","start":233.7,"end":233.86,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07134056836366653},{"word":"it","start":233.86,"end":234.01999,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1714957058429718},{"word":"still","start":234.01999,"end":234.26,"confidence":0.9951172,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.19329212605953217},{"word":"means","start":234.26,"end":234.57999,"confidence":0.9941406,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.17136001586914062},{"word":"that","start":234.57999,"end":234.65999,"confidence":0.87353516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1626197248697281},{"word":"some","start":234.65999,"end":234.9,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.16591492295265198},{"word":"investments","start":234.9,"end":235.4,"confidence":0.96777344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.22233159840106964},{"word":"might","start":235.45999,"end":235.62,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.2089979648590088},{"word":"need","start":235.62,"end":235.78,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1647040843963623},{"word":"to","start":235.78,"end":235.86,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1735699325799942},{"word":"be","start":235.86,"end":236.01999,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15747271478176117},{"word":"switched","start":236.01999,"end":236.34,"confidence":1.0,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":-0.05852952599525452},{"word":"out","start":236.34,"end":236.57999,"confidence":0.98535156,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05356945842504501},{"word":"every","start":236.57999,"end":236.81999,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.11683839559555054},{"word":"so","start":236.81999,"end":237.06,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10530519485473631},{"word":"often","start":237.06,"end":237.56,"confidence":0.9645996,"punctuated_word":"often.","sentiment":"neutral","sentiment_score":-0.05051938816905022},{"word":"and","start":238.57999,"end":238.73999,"confidence":0.6616211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.10611078143119812},{"word":"having","start":238.73999,"end":239.06,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.14402662217617035},{"word":"a","start":239.06,"end":239.14,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10358498990535736},{"word":"look","start":239.14,"end":239.37999,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.08066803961992264},{"word":"at","start":239.37999,"end":239.45999,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10612905025482178},{"word":"things","start":239.45999,"end":239.78,"confidence":0.7792969,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.1479417383670807},{"word":"ben","start":239.78,"end":239.93999,"confidence":0.85546875,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":-0.3286992311477661},{"word":"long","start":239.93999,"end":240.26,"confidence":0.22009277,"punctuated_word":"Long","sentiment":"negative","sentiment_score":-0.34129583835601807},{"word":"has","start":240.26,"end":240.42,"confidence":0.9550781,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.3942699134349823},{"word":"been","start":240.42,"end":240.65999,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3533785939216614},{"word":"underperforming","start":240.65999,"end":241.15999,"confidence":0.99902344,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.30932748317718506},{"word":"for","start":241.455,"end":241.615,"confidence":0.94970703,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.37168747186660767},{"word":"this","start":241.615,"end":241.855,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2973247766494751},{"word":"year","start":241.855,"end":242.355,"confidence":0.9980469,"punctuated_word":"year.","sentiment":"negative","sentiment_score":-0.344041109085083},{"word":"it","start":242.815,"end":243.315,"confidence":0.9394531,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.10622812062501907},{"word":"was","start":243.455,"end":243.77501,"confidence":0.6586914,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10299193859100342},{"word":"doing","start":243.77501,"end":244.015,"confidence":0.9970703,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.0317009836435318},{"word":"really","start":244.015,"end":244.175,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.03099866211414337},{"word":"well","start":244.175,"end":244.675,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.06292222440242767},{"word":"for","start":244.815,"end":245.05501,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07356144487857819},{"word":"many","start":245.05501,"end":245.375,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.040780626237392426},{"word":"years","start":245.375,"end":245.695,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.04197409003973007},{"word":"up","start":245.695,"end":245.855,"confidence":0.984375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.061371177434921265},{"word":"until","start":245.855,"end":246.255,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.0024416670203208923},{"word":"sort","start":246.255,"end":246.41501,"confidence":0.9589844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06015515327453613},{"word":"of","start":246.41501,"end":246.575,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0272785946726799},{"word":"the","start":246.575,"end":246.655,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04297085106372833},{"word":"end","start":246.655,"end":246.815,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.006674706935882568},{"word":"of","start":246.815,"end":246.975,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02597043663263321},{"word":"last","start":246.975,"end":247.215,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.025174260139465332},{"word":"year","start":247.215,"end":247.455,"confidence":0.9326172,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.003954906016588211},{"word":"early","start":247.455,"end":247.775,"confidence":0.9980469,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.007023133337497711},{"word":"this","start":247.775,"end":247.935,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04633525013923645},{"word":"year","start":247.935,"end":248.095,"confidence":0.96972656,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.004341986030340195},{"word":"and","start":248.095,"end":248.255,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016604602336883545},{"word":"then","start":248.255,"end":248.495,"confidence":0.8798828,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.024326294660568237},{"word":"it's","start":248.495,"end":248.575,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04175927489995957},{"word":"kinda","start":248.575,"end":248.895,"confidence":0.5605469,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.05874421447515488},{"word":"been","start":248.895,"end":249.135,"confidence":0.6801758,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.07869628816843033},{"word":"magnified","start":249.135,"end":249.615,"confidence":0.99853516,"punctuated_word":"magnified","sentiment":"neutral","sentiment_score":-0.026743851602077484},{"word":"with","start":249.615,"end":249.855,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05262172222137451},{"word":"what's","start":249.855,"end":250.095,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.06235886737704277},{"word":"been","start":250.095,"end":250.255,"confidence":0.97509766,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09533358365297318},{"word":"happening","start":250.255,"end":250.735,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.04258885979652405},{"word":"globally","start":250.735,"end":251.235,"confidence":1.0,"punctuated_word":"globally","sentiment":"neutral","sentiment_score":-0.05949431657791138},{"word":"there","start":251.775,"end":252.015,"confidence":0.9902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.01198086142539978},{"word":"as","start":252.015,"end":252.175,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0005525946617126465},{"word":"well","start":252.175,"end":252.675,"confidence":0.98217773,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.026225585490465164},{"word":"but","start":253.05501,"end":253.295,"confidence":0.99316406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.012086991220712662},{"word":"other","start":253.295,"end":253.615,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.07822969555854797},{"word":"australian","start":253.615,"end":254.015,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.055978357791900635},{"word":"equity","start":254.015,"end":254.41501,"confidence":0.984375,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":-0.0902172327041626},{"word":"investments","start":254.41501,"end":254.91501,"confidence":0.9482422,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.07923948764801025},{"word":"aren't","start":255.0,"end":255.16,"confidence":0.98291016,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.09928646683692932},{"word":"seeing","start":255.16,"end":255.4,"confidence":0.96777344,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.08947654068470001},{"word":"the","start":255.4,"end":255.48,"confidence":0.90283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10999370366334917},{"word":"sort","start":255.48,"end":255.64,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1065065860748291},{"word":"of","start":255.64,"end":255.8,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11680574715137482},{"word":"issues","start":255.8,"end":256.04,"confidence":0.91503906,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.1341083198785782},{"word":"that","start":256.04,"end":256.2,"confidence":0.9560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1129576414823532},{"word":"ben","start":256.2,"end":256.44,"confidence":0.54248047,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":-0.13459599018096924},{"word":"long","start":256.44,"end":256.6,"confidence":0.7319336,"punctuated_word":"Long","sentiment":"neutral","sentiment_score":-0.13111132383346558},{"word":"are","start":256.6,"end":256.76,"confidence":0.9194336,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.13596320152282715},{"word":"having","start":256.76,"end":257.0,"confidence":0.80737305,"punctuated_word":"having,","sentiment":"neutral","sentiment_score":-0.11548449099063872},{"word":"so","start":257.0,"end":257.24,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.036460600793361664},{"word":"i","start":257.24,"end":257.32,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029662467539310455},{"word":"do","start":257.32,"end":257.56,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.002580486238002777},{"word":"wanna","start":257.56,"end":257.8,"confidence":0.9633789,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03907480835914612},{"word":"swap","start":257.8,"end":258.04,"confidence":0.9873047,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":0.03214682266116142},{"word":"that","start":258.04,"end":258.28,"confidence":0.9291992,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04703719541430473},{"word":"out","start":258.28,"end":258.44,"confidence":0.9536133,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0017784424126148224},{"word":"for","start":258.44,"end":258.68,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.004233337938785553},{"word":"you","start":258.68,"end":259.18,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.00036277808248996735},{"word":"i","start":259.64,"end":259.88,"confidence":0.9633789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05280959606170654},{"word":"would","start":259.88,"end":260.2,"confidence":0.9892578,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.085680291056633},{"word":"do","start":260.2,"end":260.36,"confidence":0.96533203,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08636254072189331},{"word":"have","start":260.36,"end":260.44,"confidence":0.7871094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09520570188760756},{"word":"a","start":260.44,"end":260.52,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09475033730268478},{"word":"bit","start":260.52,"end":260.76,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1125449389219284},{"word":"of","start":260.76,"end":260.84,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09355945140123367},{"word":"an","start":260.84,"end":261.08,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07410239428281784},{"word":"advice","start":261.08,"end":261.4,"confidence":0.92822266,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06722232699394226},{"word":"document","start":261.4,"end":261.88,"confidence":0.9980469,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.08159102499485016},{"word":"i've","start":261.88,"end":262.04,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11850180476903915},{"word":"got","start":262.04,"end":262.2,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1253686547279358},{"word":"a","start":262.2,"end":262.28,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10761972516775133},{"word":"few","start":262.28,"end":262.52,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.10435694456100464},{"word":"options","start":262.52,"end":262.92,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.06725800037384033},{"word":"that","start":262.92,"end":263.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1103578805923462},{"word":"i'm","start":263.08,"end":263.32,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1062713786959648},{"word":"looking","start":263.32,"end":263.64,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08053659647703171},{"word":"at","start":263.64,"end":263.88,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09779778122901917},{"word":"with","start":263.88,"end":264.12,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10881175100803377},{"word":"regard","start":264.12,"end":264.62,"confidence":0.6147461,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.08529005944728851},{"word":"to","start":264.68,"end":264.92,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1252637505531311},{"word":"swapping","start":264.92,"end":265.32,"confidence":0.9980469,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":0.10732528567314148},{"word":"that","start":265.32,"end":265.64,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12224174290895462},{"word":"out","start":265.64,"end":265.8,"confidence":0.94970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12311682105064392},{"word":"for","start":265.8,"end":266.04,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1209510862827301},{"word":"you","start":266.04,"end":266.54,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1213592141866684},{"word":"i've","start":266.68,"end":266.84,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.097214937210083},{"word":"got","start":266.84,"end":267.0,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11652322858572006},{"word":"a","start":267.0,"end":267.08,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09430885314941406},{"word":"couple","start":267.08,"end":267.4,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.09591943025588988},{"word":"of","start":267.4,"end":267.56,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08377435803413391},{"word":"active","start":267.56,"end":267.96,"confidence":0.9819336,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.09993047267198564},{"word":"and","start":267.96,"end":268.2,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06740312278270721},{"word":"passive","start":268.2,"end":268.6,"confidence":0.97802734,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.07835863530635834},{"word":"management","start":268.6,"end":269.1,"confidence":1.0,"punctuated_word":"management","sentiment":"neutral","sentiment_score":0.06307455897331238},{"word":"options","start":269.16,"end":269.56,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.0668121725320816},{"word":"we","start":269.56,"end":269.72,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11446438729763032},{"word":"can","start":269.72,"end":269.88,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0911710485816002},{"word":"look","start":269.88,"end":270.12,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06185390427708626},{"word":"at","start":270.12,"end":270.585,"confidence":0.99902344,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.0906204879283905},{"word":"i","start":270.985,"end":271.065,"confidence":0.96240234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1832779496908188},{"word":"just","start":271.065,"end":271.225,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1694633513689041},{"word":"wanted","start":271.225,"end":271.465,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.15979452431201935},{"word":"to","start":271.465,"end":271.625,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18456622958183289},{"word":"kinda","start":271.625,"end":271.94498,"confidence":0.8198242,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2592122256755829},{"word":"get","start":271.94498,"end":272.10498,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1955094933509827},{"word":"a","start":272.10498,"end":272.185,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20179817080497744},{"word":"feel","start":272.185,"end":272.505,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.20612069964408877},{"word":"for","start":272.505,"end":272.905,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20662057399749756},{"word":"what","start":272.905,"end":273.225,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.25748345255851746},{"word":"your","start":273.225,"end":273.54498,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2189336121082306},{"word":"comfort","start":273.54498,"end":273.865,"confidence":1.0,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.17311552166938782},{"word":"level","start":273.865,"end":274.26498,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.2252615392208099},{"word":"is","start":274.26498,"end":274.66498,"confidence":0.99853516,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.24016046524047852},{"word":"so","start":274.66498,"end":274.82498,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16580578684806824},{"word":"with","start":274.82498,"end":275.065,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22445577383041385},{"word":"bannalong","start":275.065,"end":275.565,"confidence":0.8453369,"punctuated_word":"Bannalong,","sentiment":"neutral","sentiment_score":0.19013048708438873},{"word":"it","start":275.785,"end":275.94498,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2132783085107803},{"word":"was","start":275.94498,"end":276.185,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1593417376279831},{"word":"meant","start":276.185,"end":276.345,"confidence":0.9560547,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.14178688824176788},{"word":"to","start":276.345,"end":276.425,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17283868789672852},{"word":"be","start":276.425,"end":276.585,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1498776078224182},{"word":"more","start":276.585,"end":276.745,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.14930197596549988},{"word":"of","start":276.745,"end":276.82498,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1422915905714035},{"word":"an","start":276.82498,"end":276.985,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15123732388019562},{"word":"actively","start":276.985,"end":277.38498,"confidence":0.9970703,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.2526005506515503},{"word":"managed","start":277.38498,"end":277.865,"confidence":0.9941406,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.19265151023864743},{"word":"investment","start":277.865,"end":278.345,"confidence":0.7001953,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.1605702042579651},{"word":"so","start":278.345,"end":278.505,"confidence":0.95166016,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14290004968643188},{"word":"that","start":278.505,"end":278.66498,"confidence":0.77246094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18301257491111755},{"word":"it's","start":278.66498,"end":278.745,"confidence":0.9675293,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20125097036361697},{"word":"an","start":278.745,"end":278.905,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17910301685333252},{"word":"active","start":278.905,"end":279.38498,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.21521735191345215},{"word":"manager","start":279.38498,"end":279.88498,"confidence":0.98339844,"punctuated_word":"manager.","sentiment":"neutral","sentiment_score":0.20842687785625455},{"word":"they're","start":280.025,"end":280.185,"confidence":0.9916992,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.22813419997692108},{"word":"meant","start":280.185,"end":280.425,"confidence":1.0,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.20979884266853333},{"word":"to","start":280.425,"end":280.505,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2583986520767212},{"word":"be","start":280.505,"end":280.66498,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23343005776405337},{"word":"buying","start":280.66498,"end":280.905,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.24635694921016693},{"word":"and","start":280.905,"end":281.145,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2512337267398834},{"word":"selling","start":281.145,"end":281.38498,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.22442449629306793},{"word":"and","start":281.38498,"end":281.54498,"confidence":0.9550781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22959654033184052},{"word":"trying","start":281.54498,"end":281.785,"confidence":0.94140625,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.2688884437084198},{"word":"to","start":281.785,"end":281.865,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24175328016281128},{"word":"outperform","start":281.865,"end":282.365,"confidence":0.9926758,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.21156185865402224},{"word":"against","start":282.425,"end":282.82498,"confidence":1.0,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.23138095438480377},{"word":"the","start":282.82498,"end":282.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1886298656463623},{"word":"market","start":282.985,"end":283.485,"confidence":0.9995117,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.17139014601707458},{"word":"you","start":283.91998,"end":284.16,"confidence":0.9921875,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10961777716875076},{"word":"can","start":284.16,"end":284.32,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10921023786067964},{"word":"pay","start":284.32,"end":284.56,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06761305034160614},{"word":"a","start":284.56,"end":284.72,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04851921647787094},{"word":"little","start":284.72,"end":284.88,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04732775688171387},{"word":"bit","start":284.88,"end":285.03998,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01746990531682968},{"word":"more","start":285.03998,"end":285.19998,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.008749239146709442},{"word":"in","start":285.19998,"end":285.36,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0197245329618454},{"word":"the","start":285.36,"end":285.44,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03457476198673248},{"word":"way","start":285.44,"end":285.6,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.041001200675964355},{"word":"of","start":285.6,"end":286.0,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03602178394794464},{"word":"investment","start":286.0,"end":286.5,"confidence":0.9003906,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.027804911136627197},{"word":"fees","start":286.63998,"end":286.96,"confidence":0.99121094,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.06897465884685516},{"word":"to","start":286.96,"end":287.12,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.077690988779068},{"word":"have","start":287.12,"end":287.36,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08791572600603104},{"word":"that","start":287.36,"end":287.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07903195917606354},{"word":"kind","start":287.68,"end":287.84,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04046429321169853},{"word":"of","start":287.84,"end":288.34,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0744449645280838},{"word":"active","start":289.19998,"end":289.6,"confidence":0.9614258,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.10000407695770264},{"word":"manager","start":289.6,"end":289.91998,"confidence":0.9790039,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.08915165066719055},{"word":"in","start":289.91998,"end":290.08,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10553483664989471},{"word":"your","start":290.08,"end":290.32,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10931923985481262},{"word":"portfolio","start":290.32,"end":290.82,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.057125650346279144},{"word":"did","start":291.36,"end":291.52,"confidence":0.9980469,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.019488662481307983},{"word":"you","start":291.52,"end":291.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04282168298959732},{"word":"want","start":291.68,"end":291.84,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.035273052752017975},{"word":"me","start":291.84,"end":292.0,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04566431418061256},{"word":"to","start":292.0,"end":292.16,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03450087830424309},{"word":"keep","start":292.16,"end":292.4,"confidence":0.9941406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.03928397595882416},{"word":"something","start":292.4,"end":292.88,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.025931332260370255},{"word":"as","start":292.88,"end":293.03998,"confidence":0.8540039,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.011478513479232788},{"word":"an","start":293.03998,"end":293.19998,"confidence":0.98828125,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.019163552671670914},{"word":"active","start":293.19998,"end":293.6,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.05488159134984016},{"word":"manager","start":293.6,"end":294.0,"confidence":0.99902344,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.04571196064352989},{"word":"in","start":294.0,"end":294.16,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.042427100241184235},{"word":"there","start":294.16,"end":294.4,"confidence":0.9099121,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03453049063682556},{"word":"or","start":294.4,"end":294.56,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.010621346533298492},{"word":"did","start":294.56,"end":294.72,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.011758077889680862},{"word":"you","start":294.72,"end":294.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04122313857078552},{"word":"wanna","start":294.88,"end":295.19998,"confidence":0.94921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05260924994945526},{"word":"look","start":295.19998,"end":295.36,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02791425585746765},{"word":"at","start":295.36,"end":295.52,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025618884712457657},{"word":"something","start":295.52,"end":295.84,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.030150827020406723},{"word":"a","start":295.84,"end":295.91998,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03732283413410187},{"word":"bit","start":295.91998,"end":296.16,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0493604838848114},{"word":"more","start":296.16,"end":296.32,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.021109886467456818},{"word":"passive","start":296.32,"end":296.72,"confidence":0.9760742,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.06006938964128494},{"word":"or","start":296.72,"end":296.96,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07850565016269684},{"word":"low","start":296.96,"end":297.19998,"confidence":0.9941406,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.07616354525089264},{"word":"cost","start":297.19998,"end":297.525,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.030682198703289032},{"word":"in","start":297.685,"end":298.005,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05666632577776909},{"word":"in","start":298.005,"end":298.165,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.051658838987350464},{"word":"its","start":298.165,"end":298.405,"confidence":0.9838867,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.04122069850564003},{"word":"place","start":298.405,"end":298.725,"confidence":0.9921875,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":0.02094672992825508},{"word":"what","start":298.725,"end":298.965,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.0002113841474056244},{"word":"would","start":298.965,"end":299.125,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.014618754386901855},{"word":"you","start":299.125,"end":299.285,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00812927633523941},{"word":"like","start":299.285,"end":299.445,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.011510513722896576},{"word":"me","start":299.445,"end":299.60498,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.015538889914751053},{"word":"to","start":299.60498,"end":299.685,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.023506369441747665},{"word":"look","start":299.685,"end":299.925,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04131746664643288},{"word":"at","start":299.925,"end":300.425,"confidence":0.99853516,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":-0.056788451969623566},{"word":"no","start":306.725,"end":307.04498,"confidence":0.98339844,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2022002935409546},{"word":"you're","start":307.04498,"end":307.365,"confidence":0.98876953,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.11703531444072723},{"word":"fine","start":307.365,"end":307.76498,"confidence":0.94677734,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.05732658505439758},{"word":"we","start":307.76498,"end":307.925,"confidence":0.60058594,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0945790708065033},{"word":"you","start":308.16498,"end":308.405,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03724627196788788},{"word":"work","start":308.405,"end":308.645,"confidence":0.96240234,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07044690102338791},{"word":"hard","start":308.645,"end":308.965,"confidence":0.9382324,"punctuated_word":"hard.","sentiment":"neutral","sentiment_score":-0.16405898332595825},{"word":"you","start":308.965,"end":309.125,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2394604533910751},{"word":"deserve","start":309.125,"end":309.525,"confidence":0.984375,"punctuated_word":"deserve","sentiment":"neutral","sentiment_score":-0.1892927885055542},{"word":"to","start":309.525,"end":309.685,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13115277886390686},{"word":"make","start":309.685,"end":309.925,"confidence":0.9902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1094236820936203},{"word":"money","start":309.925,"end":310.425,"confidence":1.0,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.07089631259441376},{"word":"yeah","start":314.21,"end":314.53,"confidence":0.9802246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1951454132795334},{"word":"no","start":314.53,"end":314.77,"confidence":0.984375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11560364067554474},{"word":"that's","start":314.77,"end":315.27,"confidence":0.85009766,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0063494667410850525},{"word":"no","start":315.81,"end":316.05,"confidence":0.99609375,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.04791010916233063},{"word":"that's","start":316.05,"end":316.45,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.010282447561621666},{"word":"fine","start":316.45,"end":316.77,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.025007950142025948},{"word":"i","start":316.77,"end":316.93,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11544837057590485},{"word":"completely","start":316.93,"end":317.43,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.2343410849571228},{"word":"understand","start":317.49,"end":317.99,"confidence":0.9633789,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.14740031957626343},{"word":"that's","start":318.13,"end":318.29,"confidence":0.7922363,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1618078351020813},{"word":"not","start":318.29,"end":318.53,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1539859175682068},{"word":"a","start":318.53,"end":318.69,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10340190678834917},{"word":"problem","start":318.69,"end":319.01,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.11821859329938889},{"word":"at","start":319.01,"end":319.09,"confidence":0.9770508,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11634985357522964},{"word":"all","start":319.09,"end":319.49,"confidence":0.9904785,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.15005993843078613},{"word":"what","start":319.49,"end":319.65,"confidence":0.8305664,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.1733110547065735},{"word":"i","start":319.65,"end":319.81,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14556467533111572},{"word":"can","start":319.81,"end":319.97,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16351580619812012},{"word":"look","start":319.97,"end":320.21,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13717515766620636},{"word":"at","start":320.21,"end":320.37,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.184700146317482},{"word":"doing","start":320.37,"end":320.53,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16181866824626925},{"word":"for","start":320.53,"end":320.69,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20937468111515045},{"word":"you","start":320.69,"end":320.85,"confidence":0.82714844,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.17465722560882568},{"word":"if","start":320.85,"end":321.01,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1908663809299469},{"word":"you","start":321.01,"end":321.17,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15247322618961334},{"word":"like","start":321.17,"end":321.41,"confidence":0.986084,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15375691652297974},{"word":"is","start":321.41,"end":321.57,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13088251650333405},{"word":"realistically","start":321.57,"end":322.05,"confidence":0.9667969,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.19336682558059692},{"word":"and","start":322.13,"end":322.37,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15442924201488495},{"word":"look","start":322.37,"end":322.53,"confidence":0.5522461,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.1696043610572815},{"word":"active","start":322.53,"end":322.85,"confidence":0.90722656,"punctuated_word":"active","sentiment":"positive","sentiment_score":0.3391675055027008},{"word":"managers","start":322.85,"end":323.35,"confidence":0.5683594,"punctuated_word":"managers","sentiment":"positive","sentiment_score":0.3367002308368683},{"word":"are","start":323.41,"end":323.57,"confidence":0.9980469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3505544662475586},{"word":"good","start":323.57,"end":323.81,"confidence":0.99560547,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.35103848576545715},{"word":"they","start":323.81,"end":323.97,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.3330388069152832},{"word":"do","start":323.97,"end":324.21,"confidence":0.9580078,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3538791537284851},{"word":"do","start":324.21,"end":324.37,"confidence":0.86279297,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3390232026576996},{"word":"they","start":324.53,"end":324.69,"confidence":0.99902344,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.38651031255722046},{"word":"do","start":324.69,"end":325.01,"confidence":0.9863281,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35202670097351074},{"word":"tend","start":325.01,"end":325.33002,"confidence":0.99902344,"punctuated_word":"tend","sentiment":"positive","sentiment_score":0.364783376455307},{"word":"to","start":325.33002,"end":325.41,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3361772298812866},{"word":"do","start":325.41,"end":325.65,"confidence":0.99609375,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35232117772102356},{"word":"quite","start":325.65,"end":325.89,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.31583213806152344},{"word":"well","start":325.89,"end":326.39,"confidence":0.98657227,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.30747902393341064},{"word":"however","start":326.665,"end":326.98502,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.11947479844093324},{"word":"there's","start":326.98502,"end":327.225,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.12444403767585754},{"word":"no","start":327.225,"end":327.465,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.011910006403923036},{"word":"guarantees","start":327.465,"end":327.945,"confidence":0.5571289,"punctuated_word":"guarantees","sentiment":"neutral","sentiment_score":0.003087341785430908},{"word":"they're","start":327.945,"end":328.105,"confidence":0.87841797,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.15821829438209534},{"word":"gonna","start":328.105,"end":328.345,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.21548479795455933},{"word":"outperform","start":328.345,"end":328.845,"confidence":0.9926758,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.20020544528961184},{"word":"against","start":328.905,"end":329.225,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.147741436958313},{"word":"the","start":329.225,"end":329.385,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15662848949432373},{"word":"market","start":329.385,"end":329.785,"confidence":0.96435547,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.12189078330993652},{"word":"so","start":329.785,"end":329.865,"confidence":0.8574219,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0994543880224228},{"word":"if","start":329.865,"end":330.185,"confidence":0.9160156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1120196282863617},{"word":"you","start":330.185,"end":330.265,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09387039393186568},{"word":"like","start":330.265,"end":330.505,"confidence":0.97924805,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1032060906291008},{"word":"what","start":330.505,"end":330.745,"confidence":0.9863281,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10374632477760316},{"word":"i","start":330.745,"end":330.825,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.111719012260437},{"word":"could","start":330.825,"end":330.98502,"confidence":0.96533203,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.10603787004947662},{"word":"maybe","start":330.98502,"end":331.305,"confidence":0.9921875,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.09891365468502045},{"word":"look","start":331.305,"end":331.465,"confidence":0.99316406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07995002716779709},{"word":"at","start":331.465,"end":331.625,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06958835572004318},{"word":"doing","start":331.625,"end":331.945,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.10935678333044052},{"word":"is","start":331.945,"end":332.105,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09034740924835204},{"word":"something","start":332.105,"end":332.505,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0988192781805992},{"word":"a","start":332.505,"end":332.585,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08098170161247253},{"word":"bit","start":332.585,"end":332.745,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08023246377706528},{"word":"more","start":332.745,"end":332.98502,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06411870568990707},{"word":"passive","start":332.98502,"end":333.48502,"confidence":0.8769531,"punctuated_word":"passive.","sentiment":"neutral","sentiment_score":0.0848785936832428},{"word":"look","start":333.865,"end":334.105,"confidence":0.8076172,"punctuated_word":"Look","sentiment":"neutral","sentiment_score":0.04997593536973},{"word":"at","start":334.105,"end":334.265,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05737563222646713},{"word":"a","start":334.265,"end":334.345,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1087268441915512},{"word":"passive","start":334.345,"end":334.825,"confidence":0.97998047,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.10997208952903748},{"word":"manager","start":334.825,"end":335.14502,"confidence":0.99902344,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.103320375084877},{"word":"that","start":335.14502,"end":335.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12356067448854446},{"word":"provides","start":335.385,"end":335.785,"confidence":0.9951172,"punctuated_word":"provides","sentiment":"neutral","sentiment_score":0.10630454868078232},{"word":"maybe","start":335.785,"end":336.025,"confidence":0.93603516,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.12870505452156067},{"word":"more","start":336.025,"end":336.265,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12079660594463348},{"word":"diversification","start":336.265,"end":336.765,"confidence":0.9914551,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.12361759692430496},{"word":"to","start":337.14502,"end":337.305,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10684912651777267},{"word":"help","start":337.305,"end":337.545,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.12360398471355438},{"word":"manage","start":337.545,"end":337.865,"confidence":0.99902344,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.07569899410009384},{"word":"risk","start":337.865,"end":338.185,"confidence":0.88964844,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0746266096830368},{"word":"a","start":338.185,"end":338.265,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.153293177485466},{"word":"little","start":338.265,"end":338.505,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13954368233680725},{"word":"bit","start":338.505,"end":338.665,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1354008913040161},{"word":"more","start":338.665,"end":339.06,"confidence":0.8000488,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.13848544657230377},{"word":"look","start":339.13998,"end":339.38,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12072096019983292},{"word":"at","start":339.38,"end":339.46,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1323738396167755},{"word":"how","start":339.46,"end":339.54,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11611945927143096},{"word":"that","start":339.54,"end":339.94,"confidence":0.7392578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1696612983942032},{"word":"performs","start":339.94,"end":340.34,"confidence":0.9250488,"punctuated_word":"performs,","sentiment":"neutral","sentiment_score":0.1402844488620758},{"word":"but","start":340.34,"end":340.5,"confidence":0.97314453,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13015040755271912},{"word":"also","start":340.5,"end":340.9,"confidence":0.8774414,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1085447072982788},{"word":"look","start":340.9,"end":341.06,"confidence":0.96533203,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1107804924249649},{"word":"at","start":341.06,"end":341.22,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11473601311445236},{"word":"maybe","start":341.22,"end":341.54,"confidence":0.9790039,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.16835865378379822},{"word":"reducing","start":341.54,"end":341.94,"confidence":0.9980469,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.14058703184127808},{"word":"some","start":341.94,"end":342.18,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1365014612674713},{"word":"of","start":342.18,"end":342.26,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1431567370891571},{"word":"the","start":342.26,"end":342.41998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1448812484741211},{"word":"investment","start":342.41998,"end":342.9,"confidence":0.9941406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05055280774831772},{"word":"fees","start":342.9,"end":343.22,"confidence":0.95947266,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.11545148491859436},{"word":"for","start":343.22,"end":343.46,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13492126762866974},{"word":"you","start":343.46,"end":343.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1399025917053223},{"word":"as","start":343.62,"end":343.78,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14740188419818878},{"word":"well","start":343.78,"end":344.02,"confidence":0.99609375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.14145329594612122},{"word":"does","start":344.02,"end":344.26,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.15868975222110748},{"word":"that","start":344.26,"end":344.41998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2873283922672272},{"word":"sound","start":344.41998,"end":344.66,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.24024362862110135},{"word":"like","start":344.66,"end":344.9,"confidence":0.99609375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2400551289319992},{"word":"a","start":344.9,"end":344.98,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22088265419006348},{"word":"good","start":344.98,"end":345.22,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1838259994983673},{"word":"idea","start":345.22,"end":345.72,"confidence":0.9995117,"punctuated_word":"idea?","sentiment":"neutral","sentiment_score":0.1946791261434555},{"word":"yep","start":347.06,"end":347.56,"confidence":0.8352051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18101143836975095},{"word":"all","start":348.9,"end":349.22,"confidence":0.5263672,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.41710761189460754},{"word":"good","start":349.22,"end":349.72,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4503281116485596},{"word":"no","start":350.1,"end":350.34,"confidence":0.99121094,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1774064600467682},{"word":"worries","start":350.34,"end":350.74,"confidence":0.9970703,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.1850641369819641},{"word":"i've","start":350.74,"end":350.9,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13520173728466034},{"word":"got","start":350.9,"end":351.06,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14887867867946625},{"word":"a","start":351.06,"end":351.22,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1408720165491104},{"word":"couple","start":351.22,"end":351.46,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1382225751876831},{"word":"of","start":351.46,"end":351.62,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1313706934452057},{"word":"options","start":351.62,"end":352.02,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.09488940238952635},{"word":"i'm","start":352.02,"end":352.1,"confidence":0.99316406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11373868584632874},{"word":"looking","start":352.1,"end":352.41998,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08619993925094604},{"word":"at","start":352.41998,"end":352.66,"confidence":0.99853516,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.11968861520290376},{"word":"i'll","start":352.66,"end":352.82,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1444411724805832},{"word":"go","start":352.82,"end":352.98,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15638478100299835},{"word":"back","start":352.98,"end":353.48,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.16941635310649872},{"word":"and","start":353.725,"end":354.045,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1396687924861908},{"word":"just","start":354.045,"end":354.20502,"confidence":0.71875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14127899706363678},{"word":"sort","start":354.20502,"end":354.445,"confidence":0.96875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15039141476154327},{"word":"of","start":354.445,"end":354.525,"confidence":0.8120117,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1489063799381256},{"word":"review","start":354.525,"end":354.845,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12072419375181198},{"word":"them","start":354.845,"end":355.005,"confidence":0.9506836,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.13194473087787628},{"word":"more","start":355.005,"end":355.165,"confidence":0.6331787,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.13814228773117063},{"word":"look","start":355.165,"end":355.245,"confidence":0.9902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11275109648704527},{"word":"at","start":355.245,"end":355.405,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1248854398727417},{"word":"how","start":355.405,"end":355.565,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1314082145690918},{"word":"they","start":355.565,"end":355.645,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.15489789843559265},{"word":"work","start":355.645,"end":355.885,"confidence":0.99609375,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.155106320977211},{"word":"with","start":355.885,"end":356.045,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16959600150585177},{"word":"the","start":356.045,"end":356.20502,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1602216213941574},{"word":"portfolio","start":356.20502,"end":356.70502,"confidence":0.95214844,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.13785360753536224},{"word":"look","start":356.925,"end":357.085,"confidence":0.6220703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13090132176876068},{"word":"at","start":357.085,"end":357.245,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14225010573863983},{"word":"what","start":357.245,"end":357.48502,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1508215367794037},{"word":"sort","start":357.48502,"end":357.98502,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13574182987213135},{"word":"of","start":358.20502,"end":358.365,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1494748592376709},{"word":"fee","start":358.365,"end":358.605,"confidence":0.8154297,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.16407187283039093},{"word":"savings","start":358.605,"end":359.085,"confidence":0.9902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.09777124226093292},{"word":"it","start":359.085,"end":359.325,"confidence":0.50439453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15449681878089905},{"word":"might","start":359.325,"end":359.725,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.17566710710525513},{"word":"help","start":359.725,"end":360.045,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.1921640038490295},{"word":"you","start":360.045,"end":360.20502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17033785581588745},{"word":"out","start":360.20502,"end":360.445,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.17059111595153809},{"word":"with","start":360.445,"end":360.945,"confidence":0.9995117,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.12245386838912964},{"word":"the","start":361.645,"end":361.805,"confidence":0.96435547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06688186526298523},{"word":"other","start":361.805,"end":361.965,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06373921036720276},{"word":"thing","start":361.965,"end":362.20502,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06888974457979202},{"word":"i","start":362.20502,"end":362.365,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05137748271226883},{"word":"do","start":362.365,"end":362.525,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05328533425927162},{"word":"look","start":362.525,"end":362.765,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03649843484163284},{"word":"at","start":362.765,"end":362.925,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.043456804007291794},{"word":"is","start":362.925,"end":363.085,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04078518226742744},{"word":"obviously","start":363.085,"end":363.565,"confidence":0.6611328,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.054436951875686646},{"word":"the","start":363.565,"end":363.885,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04037576913833618},{"word":"capital","start":363.885,"end":364.285,"confidence":0.99609375,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.004338819533586502},{"word":"gains","start":364.285,"end":364.685,"confidence":0.88671875,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.03216976299881935},{"word":"consequences","start":364.685,"end":365.185,"confidence":0.96313477,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":0.020144358277320865},{"word":"so","start":365.405,"end":365.805,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06085135042667389},{"word":"your","start":365.805,"end":366.125,"confidence":0.9165039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04650464281439781},{"word":"super","start":366.125,"end":366.445,"confidence":0.85058594,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08302393555641174},{"word":"fund","start":366.445,"end":366.685,"confidence":0.8120117,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.06275473535060883},{"word":"like","start":366.685,"end":367.005,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05909397453069687},{"word":"you","start":367.005,"end":367.245,"confidence":0.93115234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08305266499519348},{"word":"you","start":367.245,"end":367.405,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0748053565621376},{"word":"do","start":367.405,"end":367.565,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.060085318982601166},{"word":"every","start":367.565,"end":367.885,"confidence":0.99609375,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.05752183496952057},{"word":"year","start":367.885,"end":368.125,"confidence":0.986084,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.06003823131322861},{"word":"does","start":368.125,"end":368.285,"confidence":0.98095703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03520115092396736},{"word":"a","start":368.285,"end":368.365,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03851674497127533},{"word":"tax","start":368.365,"end":368.685,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.029234200716018677},{"word":"return","start":368.685,"end":369.185,"confidence":0.8186035,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.02024252153933048},{"word":"so","start":369.65,"end":369.81,"confidence":0.7480469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.037873007357120514},{"word":"any","start":369.81,"end":370.12997,"confidence":0.97387695,"punctuated_word":"any,","sentiment":"neutral","sentiment_score":0.023874418810009956},{"word":"you","start":370.12997,"end":370.28998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01980559527873993},{"word":"know","start":370.28998,"end":370.53,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.019726870581507683},{"word":"changes","start":370.53,"end":371.00998,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.008485674858093262},{"word":"to","start":371.00998,"end":371.16998,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00011399760842323305},{"word":"investments","start":371.16998,"end":371.65,"confidence":0.9760742,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.012055352330207825},{"word":"and","start":371.65,"end":371.88998,"confidence":0.94628906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00043445080518722534},{"word":"switches","start":371.88998,"end":372.28998,"confidence":0.99902344,"punctuated_word":"switches","sentiment":"neutral","sentiment_score":0.0029469840228557587},{"word":"and","start":372.28998,"end":372.37,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007014565169811249},{"word":"things","start":372.37,"end":372.68997,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.024312101304531097},{"word":"does","start":372.68997,"end":373.18997,"confidence":0.97802734,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.010377861559391022},{"word":"have","start":373.25,"end":373.49,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.006129652261734009},{"word":"a","start":373.49,"end":373.65,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.001801803708076477},{"word":"tax","start":373.65,"end":373.97,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.005902908742427826},{"word":"consequence","start":373.97,"end":374.44998,"confidence":0.9526367,"punctuated_word":"consequence","sentiment":"neutral","sentiment_score":-0.03730442747473717},{"word":"for","start":374.44998,"end":374.61,"confidence":0.90527344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02082781493663788},{"word":"your","start":374.61,"end":374.84998,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02197018265724182},{"word":"funds","start":374.84998,"end":375.16998,"confidence":0.609375,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.016300292685627937},{"word":"so","start":375.16998,"end":375.40997,"confidence":0.9116211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021166596561670303},{"word":"i'll","start":375.40997,"end":375.49,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.02947850152850151},{"word":"go","start":375.49,"end":375.65,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.029962852597236633},{"word":"back","start":375.65,"end":375.81,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.018528632819652557},{"word":"and","start":375.81,"end":376.05,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03975619748234749},{"word":"review","start":376.05,"end":376.44998,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.021924708038568497},{"word":"that","start":376.44998,"end":376.94998,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03989113122224808},{"word":"i'll","start":377.49,"end":377.72998,"confidence":0.97216797,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07756440341472626},{"word":"update","start":377.72998,"end":378.12997,"confidence":0.984375,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.06987208127975464},{"word":"the","start":378.12997,"end":378.62997,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07832976430654526},{"word":"advice","start":378.77,"end":379.25,"confidence":0.9790039,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.07396011054515839},{"word":"for","start":379.25,"end":379.40997,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07932211458683014},{"word":"you","start":379.40997,"end":379.72998,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08038582652807236},{"word":"i'll","start":379.72998,"end":379.88998,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09548068046569824},{"word":"just","start":379.88998,"end":380.05,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1046777218580246},{"word":"do","start":380.05,"end":380.21,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11474119126796722},{"word":"an","start":380.21,"end":380.37,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11448798328638075},{"word":"investment","start":380.37,"end":380.87,"confidence":0.97314453,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03855924308300018},{"word":"switch","start":380.93,"end":381.25,"confidence":0.98095703,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.05162765830755234},{"word":"advice","start":381.25,"end":381.65,"confidence":0.9560547,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06947043538093567},{"word":"document","start":381.65,"end":382.12997,"confidence":0.9580078,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.09545042365789412},{"word":"to","start":382.12997,"end":382.21,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09632910043001176},{"word":"make","start":382.21,"end":382.44998,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10712359100580215},{"word":"it","start":382.44998,"end":382.61,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10838325321674348},{"word":"easier","start":382.61,"end":383.00998,"confidence":0.99902344,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.13989078998565674},{"word":"for","start":383.00998,"end":383.25,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15774239599704742},{"word":"you","start":383.25,"end":383.655,"confidence":0.83691406,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1088419109582901},{"word":"and","start":384.135,"end":384.375,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10351364314556122},{"word":"i'll","start":384.375,"end":384.695,"confidence":0.9658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09589599817991255},{"word":"outline","start":384.695,"end":385.01498,"confidence":0.99609375,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.07968144118785858},{"word":"the","start":385.01498,"end":385.255,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042209431529045105},{"word":"advantages","start":385.255,"end":385.735,"confidence":0.99902344,"punctuated_word":"advantages","sentiment":"neutral","sentiment_score":0.03920001909136772},{"word":"and","start":385.735,"end":385.895,"confidence":0.58496094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04558626189827919},{"word":"disadvantages","start":385.895,"end":386.395,"confidence":0.9343262,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":0.03305823355913162},{"word":"what","start":386.615,"end":386.775,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08383874595165253},{"word":"we're","start":386.775,"end":386.935,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.04866670072078705},{"word":"gonna","start":386.935,"end":387.255,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.053341541439294815},{"word":"replace","start":387.255,"end":387.735,"confidence":0.88500977,"punctuated_word":"replace,","sentiment":"neutral","sentiment_score":0.04262904077768326},{"word":"and","start":387.735,"end":387.895,"confidence":0.83935547,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.0701712891459465},{"word":"obviously","start":387.895,"end":388.395,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.07406279444694519},{"word":"the","start":388.455,"end":388.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0673203095793724},{"word":"changes","start":388.615,"end":389.01498,"confidence":0.9970703,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.0387251153588295},{"word":"in","start":389.01498,"end":389.175,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02553197368979454},{"word":"the","start":389.175,"end":389.415,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029047194868326187},{"word":"fees","start":389.415,"end":389.735,"confidence":0.78759766,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.014231245964765549},{"word":"and","start":389.735,"end":389.975,"confidence":0.61865234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.034906912595033646},{"word":"any","start":389.975,"end":390.215,"confidence":0.9902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04379872977733612},{"word":"cgt","start":390.215,"end":390.715,"confidence":0.92089844,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.014484671875834463},{"word":"consequence","start":390.855,"end":391.355,"confidence":0.8027344,"punctuated_word":"consequence","sentiment":"neutral","sentiment_score":0.014375127851963043},{"word":"that","start":391.495,"end":391.735,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07469585537910461},{"word":"might","start":391.735,"end":391.895,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.053097307682037354},{"word":"be","start":391.895,"end":392.215,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05620495602488518},{"word":"might","start":392.215,"end":392.535,"confidence":0.9614258,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05678779631853104},{"word":"be","start":392.535,"end":392.775,"confidence":0.99121094,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06861451268196106},{"word":"as","start":392.775,"end":393.01498,"confidence":0.48339844,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05141422152519226},{"word":"a","start":393.01498,"end":393.175,"confidence":0.95166016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05112563073635101},{"word":"result","start":393.175,"end":393.495,"confidence":0.99902344,"punctuated_word":"result","sentiment":"neutral","sentiment_score":0.0498523935675621},{"word":"of","start":393.495,"end":393.655,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06280013918876648},{"word":"the","start":393.655,"end":393.815,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07091046869754791},{"word":"switch","start":393.815,"end":394.135,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.05206575244665146},{"word":"for","start":394.135,"end":394.29498,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0664544403553009},{"word":"you","start":394.29498,"end":394.535,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04236613959074021},{"word":"does","start":394.535,"end":394.775,"confidence":0.9951172,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.05907498672604561},{"word":"that","start":394.775,"end":394.935,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0903768390417099},{"word":"sound","start":394.935,"end":395.255,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.04665875807404518},{"word":"okay","start":395.255,"end":395.755,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.059539277106523514},{"word":"yes","start":396.215,"end":396.715,"confidence":0.5683594,"punctuated_word":"Yes?","sentiment":"neutral","sentiment_score":0.08442023396492004},{"word":"beautiful","start":397.175,"end":397.675,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5747900605201721},{"word":"excellent","start":398.67,"end":399.17,"confidence":0.9567871,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6035502552986145},{"word":"lovely","start":399.31,"end":399.81,"confidence":0.9995117,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.4549181461334229},{"word":"mhmm","start":404.35,"end":404.85,"confidence":0.97753906,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03055962547659874},{"word":"it","start":408.35,"end":408.51,"confidence":0.9165039,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0006425213068723679},{"word":"is","start":408.51,"end":409.01,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.000249689444899559},{"word":"yes","start":409.47,"end":409.87,"confidence":0.97802734,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.007885058410465717},{"word":"no","start":409.87,"end":410.11002,"confidence":0.9921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.009512175805866718},{"word":"that's","start":410.11002,"end":410.51,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.015065178275108336},{"word":"net","start":410.51,"end":410.67,"confidence":0.9707031,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.017238307744264603},{"word":"of","start":410.67,"end":410.83002,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01657354086637497},{"word":"all","start":410.83002,"end":411.07,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0245843306183815},{"word":"fees","start":411.07,"end":411.39,"confidence":0.8083496,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.02359806001186371},{"word":"including","start":411.39,"end":411.79,"confidence":1.0,"punctuated_word":"including","sentiment":"neutral","sentiment_score":0.03149917721748352},{"word":"our","start":411.79,"end":412.03,"confidence":0.99316406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.031207654625177383},{"word":"ongoing","start":412.03,"end":412.51,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.035504475235939026},{"word":"service","start":412.51,"end":412.99,"confidence":0.9892578,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.008036207407712936},{"word":"fee","start":412.99,"end":413.23,"confidence":0.9765625,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.024189025163650513},{"word":"correct","start":413.23,"end":413.63,"confidence":0.92871094,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.05179545283317566},{"word":"yeah","start":413.63,"end":414.13,"confidence":0.9355469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04570244997739792},{"word":"yep","start":415.685,"end":416.185,"confidence":0.95703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056805383414030075},{"word":"absolutely","start":417.36502,"end":417.86502,"confidence":0.9975586,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1799013316631317},{"word":"yeah","start":418.08502,"end":418.48502,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12827131152153015},{"word":"definitely","start":418.48502,"end":418.98502,"confidence":1.0,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.17513315379619598},{"word":"yeah","start":419.525,"end":420.025,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22704702615737915},{"word":"all","start":421.125,"end":421.445,"confidence":0.9404297,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.49391135573387146},{"word":"good","start":421.445,"end":421.945,"confidence":0.9970703,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.39320361614227295},{"word":"no","start":422.405,"end":422.64502,"confidence":0.68566895,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.23190277814865112},{"word":"that's","start":422.64502,"end":422.805,"confidence":0.72998047,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5534969568252563},{"word":"a","start":422.805,"end":422.965,"confidence":0.32202148,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6470274925231934},{"word":"good","start":422.965,"end":423.285,"confidence":0.99609375,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6566018462181091},{"word":"easy","start":423.36502,"end":423.845,"confidence":0.98828125,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.6177195906639099},{"word":"easy","start":423.845,"end":424.345,"confidence":0.9716797,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.5612444877624512},{"word":"done","start":424.405,"end":424.905,"confidence":0.9746094,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.5055956840515137},{"word":"we","start":425.045,"end":425.285,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07131992280483246},{"word":"certainly","start":425.285,"end":425.605,"confidence":0.9838867,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":-0.003383234143257141},{"word":"hope","start":425.605,"end":425.845,"confidence":0.9951172,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":-0.09938530623912813},{"word":"it","start":425.845,"end":426.005,"confidence":0.94384766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07593885064125061},{"word":"doesn't","start":426.005,"end":426.405,"confidence":0.89453125,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.09844930469989777},{"word":"you're","start":426.565,"end":426.805,"confidence":0.99121094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.107177734375},{"word":"right","start":426.805,"end":427.045,"confidence":0.9387207,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.03045043535530567},{"word":"sorry","start":427.045,"end":427.545,"confidence":0.9626465,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.07277049869298935},{"word":"yeah","start":435.67,"end":436.07,"confidence":0.94506836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023752260953187943},{"word":"i","start":436.07,"end":436.31,"confidence":0.8125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04630868881940842},{"word":"absolutely","start":436.31,"end":436.81,"confidence":0.6333008,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.028084736317396164},{"word":"do","start":437.03,"end":437.53,"confidence":0.99316406,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.03869399428367615},{"word":"yep","start":441.35,"end":441.67,"confidence":0.84643555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04306921362876892},{"word":"sure","start":441.67,"end":441.99002,"confidence":0.95410156,"punctuated_word":"Sure","sentiment":"neutral","sentiment_score":0.08788006007671356},{"word":"do","start":441.99002,"end":442.23,"confidence":0.6998291,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.0728204995393753},{"word":"so","start":442.23,"end":442.47,"confidence":0.6953125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.053440071642398834},{"word":"it's","start":442.47,"end":442.71002,"confidence":0.9875488,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04105442762374878},{"word":"almost","start":442.71002,"end":443.11002,"confidence":0.99902344,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.03325088322162628},{"word":"three","start":443.11002,"end":443.35,"confidence":0.9716797,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.02134655974805355},{"word":"years","start":443.35,"end":443.59,"confidence":0.96777344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.026659999042749405},{"word":"here","start":443.59,"end":443.75,"confidence":0.49194336,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0332186222076416},{"word":"at","start":443.75,"end":443.91,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02462786436080933},{"word":"the","start":443.91,"end":444.07,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041485078632831573},{"word":"moment","start":444.07,"end":444.47,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.043394267559051514},{"word":"there","start":444.47,"end":444.945,"confidence":0.90527344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04868161678314209},{"word":"and","start":445.025,"end":445.105,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04495052620768547},{"word":"when","start":445.105,"end":445.345,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03673041611909866},{"word":"i","start":445.345,"end":445.385,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06991919875144958},{"word":"look","start":445.385,"end":445.42502,"confidence":0.99121094,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06822536140680313},{"word":"at","start":445.42502,"end":445.665,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.060818638652563095},{"word":"the","start":445.665,"end":445.905,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07099900394678116},{"word":"return","start":445.905,"end":446.385,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.08112601935863495},{"word":"net","start":446.385,"end":446.785,"confidence":0.9736328,"punctuated_word":"net,","sentiment":"neutral","sentiment_score":0.06352758407592773},{"word":"you've","start":446.785,"end":447.185,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06049957871437073},{"word":"made","start":447.185,"end":447.685,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.07336439937353134},{"word":"34.79%","start":448.14502,"end":450.70502,"confidence":0.93729657,"punctuated_word":"34.79%.","sentiment":"neutral","sentiment_score":0.06564678251743317},{"word":"so","start":450.70502,"end":450.945,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06547175347805023},{"word":"it's","start":450.945,"end":451.265,"confidence":0.9370117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0660647600889206},{"word":"averaged","start":451.265,"end":451.765,"confidence":0.9902344,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.07386332750320435},{"word":"a","start":451.905,"end":452.065,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08201667666435242},{"word":"compounded","start":452.065,"end":452.545,"confidence":0.9482422,"punctuated_word":"compounded","sentiment":"neutral","sentiment_score":0.0653919130563736},{"word":"rate","start":452.545,"end":452.785,"confidence":0.9951172,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.08046741038560867},{"word":"of","start":452.785,"end":452.86502,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.046545758843421936},{"word":"return","start":452.86502,"end":453.185,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.043512098491191864},{"word":"of","start":453.185,"end":453.345,"confidence":0.78759766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05323988199234009},{"word":"11.59","start":453.345,"end":454.625,"confidence":0.99853516,"punctuated_word":"11.59","sentiment":"neutral","sentiment_score":0.04276338219642639},{"word":"per","start":454.625,"end":455.125,"confidence":0.9873047,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.04353450983762741},{"word":"year","start":456.70502,"end":457.025,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.07319268584251404},{"word":"yeah","start":457.025,"end":457.525,"confidence":0.9313965,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09557840973138808},{"word":"and","start":458.13,"end":458.37,"confidence":0.94970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09791471809148788},{"word":"i've","start":458.37,"end":458.53,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11390569806098938},{"word":"actually","start":458.53,"end":458.69,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.11636096239089966},{"word":"got","start":458.69,"end":458.85,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11701202392578124},{"word":"the","start":458.85,"end":459.00998,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10059508681297302},{"word":"dollar","start":459.00998,"end":459.33,"confidence":0.99609375,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.10143336653709412},{"word":"figure","start":459.33,"end":459.57,"confidence":0.99609375,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.12472992390394212},{"word":"here","start":459.57,"end":459.81,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.103178009390831},{"word":"for","start":459.81,"end":459.97,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10191728919744492},{"word":"you","start":459.97,"end":460.05,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08798865973949432},{"word":"as","start":460.05,"end":460.13,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09868433326482771},{"word":"well","start":460.13,"end":460.37,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0838007926940918},{"word":"it's","start":460.37,"end":460.53,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08323326706886292},{"word":"about","start":460.53,"end":460.85,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07821174710988998},{"word":"a","start":460.85,"end":460.93,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07568011432886124},{"word":"100","start":460.93,"end":461.25,"confidence":1.0,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.05542289465665817},{"word":"and","start":461.25,"end":461.49,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06019024923443794},{"word":"35,000","start":461.49,"end":462.79,"confidence":1.0,"punctuated_word":"35,000","sentiment":"neutral","sentiment_score":0.08061105012893677},{"word":"that","start":463.25,"end":463.49,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.090538889169693},{"word":"you've","start":463.49,"end":463.72998,"confidence":0.9970703,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08197267353534698},{"word":"made","start":463.72998,"end":464.05,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.10774651169776917},{"word":"in","start":464.05,"end":464.44998,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1125589907169342},{"word":"earnings","start":464.44998,"end":464.93,"confidence":0.8901367,"punctuated_word":"earnings.","sentiment":"neutral","sentiment_score":0.09878160804510117},{"word":"that's","start":464.93,"end":465.43,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1179199516773224},{"word":"growth","start":466.05,"end":466.44998,"confidence":0.65283203,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1952582001686096},{"word":"and","start":466.44998,"end":466.69,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14411136507987976},{"word":"income","start":466.69,"end":467.16998,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.15957984328269958},{"word":"over","start":467.16998,"end":467.33,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1437736451625824},{"word":"the","start":467.33,"end":467.49,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11806317418813704},{"word":"past","start":467.49,"end":467.81,"confidence":0.99902344,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.08951758593320847},{"word":"three","start":467.81,"end":468.05,"confidence":0.9970703,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.06068640947341919},{"word":"years","start":468.05,"end":468.37,"confidence":0.92089844,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.10084490478038788},{"word":"and","start":468.37,"end":468.53,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08576501905918121},{"word":"that's","start":468.53,"end":468.85,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10050462931394576},{"word":"net","start":468.85,"end":469.09,"confidence":0.44213867,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.0916159600019455},{"word":"of","start":469.09,"end":469.25,"confidence":0.93408203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09039439260959624},{"word":"fees","start":469.25,"end":469.57,"confidence":0.9453125,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.07895057648420334},{"word":"as","start":469.57,"end":469.72998,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07509741187095642},{"word":"well","start":469.72998,"end":470.13,"confidence":0.9941406,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07362714409828186},{"word":"so","start":470.13,"end":470.44998,"confidence":0.8991699,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1688445508480072},{"word":"yeah","start":470.44998,"end":470.69,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.33802348375320435},{"word":"it's","start":470.69,"end":470.93,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.42711013555526733},{"word":"done","start":470.93,"end":471.16998,"confidence":0.9770508,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.38615041971206665},{"word":"really","start":471.16998,"end":471.41,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.45911791920661926},{"word":"well","start":471.41,"end":471.65,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.37608659267425537},{"word":"happy","start":471.65,"end":472.05,"confidence":0.9633789,"punctuated_word":"Happy","sentiment":"positive","sentiment_score":0.45623162388801575},{"word":"with","start":472.05,"end":472.21,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4503251314163208},{"word":"that","start":472.21,"end":472.71,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3689634203910827},{"word":"easy","start":474.545,"end":475.045,"confidence":0.89453125,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.2918983995914459},{"word":"perfect","start":475.90503,"end":476.385,"confidence":0.9543457,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.508648157119751},{"word":"so","start":476.385,"end":476.545,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16727803647518158},{"word":"i'll","start":476.545,"end":476.70502,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16349530220031738},{"word":"make","start":476.70502,"end":476.785,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1373126655817032},{"word":"sure","start":476.785,"end":477.02502,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.14167705178260803},{"word":"that","start":477.02502,"end":477.265,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13820737600326538},{"word":"these","start":477.265,"end":477.505,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.12528690695762634},{"word":"documents","start":477.505,"end":477.98502,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1336200088262558},{"word":"are","start":477.98502,"end":478.225,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1419024020433426},{"word":"attached","start":478.225,"end":478.545,"confidence":0.99902344,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.12457997351884842},{"word":"in","start":478.545,"end":478.70502,"confidence":0.9658203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15033936500549316},{"word":"that","start":478.70502,"end":479.20502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19301775097846985},{"word":"annual","start":479.345,"end":479.665,"confidence":0.70947266,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.1467013657093048},{"word":"review","start":479.665,"end":479.98502,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.11992646753787994},{"word":"pack","start":479.98502,"end":480.225,"confidence":0.73779297,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.1393488496541977},{"word":"there","start":480.225,"end":480.46503,"confidence":0.9790039,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16944855451583862},{"word":"for","start":480.46503,"end":480.625,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1568751484155655},{"word":"you","start":480.625,"end":480.70502,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10680991411209106},{"word":"if","start":480.70502,"end":480.86502,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.10658253729343414},{"word":"you","start":480.86502,"end":480.945,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07619334012269974},{"word":"find","start":480.945,"end":481.18503,"confidence":0.9277344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.08144338428974152},{"word":"you","start":481.18503,"end":481.265,"confidence":0.9633789,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07731223106384277},{"word":"have","start":481.265,"end":481.505,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06834878027439117},{"word":"additional","start":481.505,"end":481.825,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.04263404756784439},{"word":"questions","start":481.825,"end":482.225,"confidence":0.9951172,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.05460425838828087},{"word":"let","start":482.225,"end":482.545,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08474959433078766},{"word":"me","start":482.545,"end":482.70502,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08284339308738708},{"word":"know","start":482.70502,"end":482.785,"confidence":0.8942871,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.07433350384235382},{"word":"but","start":482.785,"end":483.265,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1402362883090973},{"word":"i'm","start":483.265,"end":483.505,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.29999595880508423},{"word":"personally","start":483.505,"end":483.90503,"confidence":0.75097656,"punctuated_word":"personally","sentiment":"neutral","sentiment_score":0.2500087022781372},{"word":"really","start":483.90503,"end":484.065,"confidence":0.9536133,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2835133373737335},{"word":"happy","start":484.065,"end":484.385,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.32491543889045715},{"word":"with","start":484.385,"end":484.625,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3995804190635681},{"word":"how","start":484.625,"end":484.785,"confidence":0.9941406,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.4132722020149231},{"word":"things","start":484.785,"end":485.105,"confidence":0.9951172,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.40851274132728577},{"word":"have","start":485.105,"end":485.265,"confidence":0.984375,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.42879796028137207},{"word":"gone","start":485.265,"end":485.58502,"confidence":0.99609375,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.4014468193054199},{"word":"for","start":485.58502,"end":485.74503,"confidence":0.9350586,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.43273183703422546},{"word":"vde","start":485.74503,"end":486.24503,"confidence":0.58618164,"punctuated_word":"VDE.","sentiment":"positive","sentiment_score":0.3432962894439697},{"word":"it","start":486.71002,"end":486.87003,"confidence":0.9951172,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0011763349175453186},{"word":"is","start":486.87003,"end":487.03003,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04276306927204132},{"word":"really","start":487.03003,"end":487.27002,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.050284747034311295},{"word":"important","start":487.27002,"end":487.59003,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.06439433246850967},{"word":"i","start":487.59003,"end":487.83002,"confidence":0.2980957,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.053874388337135315},{"word":"do","start":487.83002,"end":487.99002,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05944763869047165},{"word":"note","start":487.99002,"end":488.23,"confidence":0.5058594,"punctuated_word":"note,","sentiment":"neutral","sentiment_score":-0.07732070982456207},{"word":"though","start":488.23,"end":488.39,"confidence":0.99853516,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.059866808354854584},{"word":"that","start":488.39,"end":488.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07877577841281891},{"word":"we","start":488.79,"end":488.95,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15036773681640625},{"word":"have","start":488.95,"end":489.19,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17823688685894012},{"word":"seen","start":489.19,"end":489.35,"confidence":0.95166016,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.1854027807712555},{"word":"a","start":489.35,"end":489.43002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16510844230651855},{"word":"bit","start":489.43002,"end":489.59003,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.171824648976326},{"word":"of","start":489.59003,"end":489.75,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19584184885025024},{"word":"volatility","start":489.75,"end":490.25,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.20868192613124847},{"word":"this","start":490.39,"end":490.55002,"confidence":0.9902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.20814865827560425},{"word":"year","start":490.55002,"end":490.71002,"confidence":0.99609375,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.20801591873168945},{"word":"we","start":490.71002,"end":490.87003,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.14686696231365204},{"word":"do","start":490.87003,"end":491.03003,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.17461970448493958},{"word":"not","start":491.03003,"end":491.19,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1780487895011902},{"word":"know","start":491.19,"end":491.43002,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.23689508438110352},{"word":"what's","start":491.43002,"end":491.67,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.18728625774383545},{"word":"gonna","start":491.67,"end":491.91,"confidence":0.9770508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.19832664728164673},{"word":"happen","start":491.91,"end":492.23,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.1971096694469452},{"word":"next","start":492.23,"end":492.55002,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.1687733680009842},{"word":"year","start":492.55002,"end":492.79,"confidence":0.9995117,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.15832701325416565},{"word":"we","start":492.79,"end":492.95,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.10609740763902664},{"word":"have","start":492.95,"end":493.27002,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10686398297548294},{"word":"certainly","start":493.27002,"end":493.67,"confidence":0.99316406,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":-0.09405042231082916},{"word":"been","start":493.67,"end":493.91,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09737065434455872},{"word":"speaking","start":493.91,"end":494.31003,"confidence":0.99902344,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":-0.11805949360132216},{"word":"to","start":494.31003,"end":494.71002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10487671196460724},{"word":"some","start":494.71002,"end":494.87003,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.09849485754966736},{"word":"of","start":494.87003,"end":494.95,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09825573861598969},{"word":"the","start":494.95,"end":495.19,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08320026099681854},{"word":"economists","start":495.19,"end":495.69,"confidence":0.9790039,"punctuated_word":"economists","sentiment":"neutral","sentiment_score":-0.07708042860031128},{"word":"out","start":495.75,"end":495.99002,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07072810083627701},{"word":"there","start":495.99002,"end":496.15002,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.08832903206348419},{"word":"to","start":496.15002,"end":496.31003,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08712482452392578},{"word":"see","start":496.31003,"end":496.81003,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.06538692116737366},{"word":"what's","start":496.95,"end":497.19,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.08865988254547119},{"word":"been","start":497.19,"end":497.43002,"confidence":0.9667969,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.10096316784620284},{"word":"going","start":497.43002,"end":497.75,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.12294691801071168},{"word":"on","start":497.75,"end":497.99002,"confidence":0.9890137,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.1217738687992096},{"word":"what","start":497.99002,"end":498.15002,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14357565343379974},{"word":"they","start":498.15002,"end":498.39,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.11855555325746536},{"word":"expect","start":498.39,"end":498.71002,"confidence":0.9970703,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.15982748568058014},{"word":"to","start":498.71002,"end":498.87003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15232710540294647},{"word":"happen","start":498.87003,"end":499.37003,"confidence":0.9995117,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.14578506350517273},{"word":"unfortunately","start":499.67,"end":500.17,"confidence":0.9951172,"punctuated_word":"Unfortunately,","sentiment":"neutral","sentiment_score":-0.22285912930965424},{"word":"inflation","start":500.63,"end":501.13,"confidence":0.99902344,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":-0.25555160641670227},{"word":"is","start":501.19,"end":501.43002,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.22175289690494537},{"word":"expected","start":501.43002,"end":501.825,"confidence":0.96875,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":-0.26496148109436035},{"word":"to","start":501.825,"end":501.98502,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.194137841463089},{"word":"kind","start":501.98502,"end":502.14502,"confidence":0.9819336,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.24906329810619351},{"word":"of","start":502.14502,"end":502.225,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20923829078674316},{"word":"have","start":502.225,"end":502.265,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15086111426353457},{"word":"a","start":502.265,"end":502.30502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16991472244262695},{"word":"bit","start":502.30502,"end":502.625,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.19520175457000732},{"word":"of","start":502.625,"end":502.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20085713267326355},{"word":"an","start":502.785,"end":502.945,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.21682240068912503},{"word":"increase","start":502.945,"end":503.345,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.21556474268436432},{"word":"over","start":503.345,"end":503.58502,"confidence":0.98828125,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.26549506187438965},{"word":"the","start":503.58502,"end":503.74503,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23039370775222776},{"word":"next","start":503.74503,"end":503.98502,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.24173188209533691},{"word":"few","start":503.98502,"end":504.14502,"confidence":0.9892578,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.2147071659564972},{"word":"months","start":504.14502,"end":504.46503,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.18870100378990173},{"word":"as","start":504.46503,"end":504.545,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.22504867613315585},{"word":"well","start":504.545,"end":505.045,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.1749739795923233},{"word":"i","start":505.905,"end":506.065,"confidence":0.9243164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1870814561843872},{"word":"don't","start":506.065,"end":506.30502,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16770687699317932},{"word":"really","start":506.30502,"end":506.545,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2151910960674286},{"word":"like","start":506.545,"end":506.70502,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2610384225845337},{"word":"the","start":506.70502,"end":506.86502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2344212681055069},{"word":"idea","start":506.86502,"end":507.185,"confidence":0.99902344,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.30559369921684265},{"word":"of","start":507.185,"end":507.345,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21868014335632324},{"word":"that","start":507.345,"end":507.845,"confidence":0.861084,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2114171087741852},{"word":"but","start":508.46503,"end":508.70502,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.13327252864837646},{"word":"if","start":508.70502,"end":508.945,"confidence":0.92822266,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1211923211812973},{"word":"there","start":508.945,"end":509.105,"confidence":0.9838867,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.13469043374061584},{"word":"is","start":509.105,"end":509.265,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1134888231754303},{"word":"a","start":509.265,"end":509.42502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1131272166967392},{"word":"bit","start":509.42502,"end":509.58502,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.12187475711107254},{"word":"of","start":509.58502,"end":509.665,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13278347253799438},{"word":"an","start":509.665,"end":509.825,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.14598248898983002},{"word":"increase","start":509.825,"end":510.30502,"confidence":0.9970703,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.16371780633926392},{"word":"to","start":510.30502,"end":510.625,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15912489593029022},{"word":"inflationary","start":510.625,"end":511.125,"confidence":0.9995117,"punctuated_word":"inflationary","sentiment":"neutral","sentiment_score":-0.19308149814605713},{"word":"pressures","start":511.42502,"end":511.905,"confidence":0.9855957,"punctuated_word":"pressures,","sentiment":"neutral","sentiment_score":-0.17715220153331757},{"word":"it","start":511.905,"end":512.065,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1594691425561905},{"word":"does","start":512.065,"end":512.305,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.1673746407032013},{"word":"mean","start":512.305,"end":512.545,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.1502775102853775},{"word":"that","start":512.545,"end":512.705,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15695510804653168},{"word":"we","start":512.705,"end":512.865,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13363827764987946},{"word":"could","start":512.865,"end":513.10504,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.10441838949918748},{"word":"see","start":513.10504,"end":513.265,"confidence":0.9873047,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.10014969110488892},{"word":"some","start":513.265,"end":513.505,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.11417977511882782},{"word":"more","start":513.505,"end":513.66504,"confidence":0.99316406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.13862919807434082},{"word":"volatility","start":513.66504,"end":514.16504,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.11404313147068024},{"word":"in","start":514.305,"end":514.465,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.17685765027999878},{"word":"the","start":514.465,"end":514.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2062242031097412},{"word":"market","start":514.625,"end":515.125,"confidence":0.8405762,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.1648092269897461},{"word":"but","start":516.23,"end":516.55,"confidence":0.7541504,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.10426680743694304},{"word":"overall","start":516.55,"end":517.05,"confidence":0.9995117,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.215707004070282},{"word":"you've","start":517.11,"end":517.35,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.30729514360427856},{"word":"done","start":517.35,"end":517.58997,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.32482457160949707},{"word":"really","start":517.58997,"end":517.83,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.28970950841903687},{"word":"well","start":517.83,"end":518.23,"confidence":0.99609375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24201589822769165},{"word":"so","start":518.23,"end":518.47,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0489615797996521},{"word":"the","start":518.47,"end":518.63,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04376771301031113},{"word":"other","start":518.63,"end":518.71,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04763121530413627},{"word":"thing","start":518.71,"end":518.95,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05814588442444801},{"word":"to","start":518.95,"end":519.11,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046048130840063095},{"word":"kinda","start":519.11,"end":519.43,"confidence":0.6972656,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04573036730289459},{"word":"point","start":519.43,"end":519.58997,"confidence":0.9970703,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.03677058219909668},{"word":"out","start":519.58997,"end":519.99,"confidence":0.66748047,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.04998194798827171},{"word":"and","start":519.99,"end":520.31,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04820989817380905},{"word":"just","start":520.31,"end":520.55,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06153503805398941},{"word":"to","start":520.55,"end":520.71,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03818583860993385},{"word":"make","start":520.71,"end":520.87,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.044586870819330215},{"word":"sure","start":520.87,"end":521.02997,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05152058973908424},{"word":"that","start":521.02997,"end":521.19,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04707169532775879},{"word":"i'm","start":521.19,"end":521.35,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05312378704547882},{"word":"being","start":521.35,"end":521.51,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.04355861619114876},{"word":"open","start":521.51,"end":521.75,"confidence":0.9980469,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.03995666652917862},{"word":"and","start":521.75,"end":521.91,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05588547512888909},{"word":"honest","start":521.91,"end":522.23,"confidence":1.0,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":0.07206948101520538},{"word":"with","start":522.23,"end":522.39,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05030043423175812},{"word":"you","start":522.39,"end":522.63,"confidence":0.8508301,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.06711697578430176},{"word":"is","start":522.63,"end":522.79,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03793866187334061},{"word":"as","start":522.79,"end":522.95,"confidence":0.9770508,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04387678951025009},{"word":"your","start":522.95,"end":523.19,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03871918097138405},{"word":"balance","start":523.19,"end":523.58997,"confidence":0.9941406,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.05462092161178589},{"word":"increases","start":523.58997,"end":524.08997,"confidence":0.984375,"punctuated_word":"increases","sentiment":"neutral","sentiment_score":0.040381621569395065},{"word":"remaining","start":524.14996,"end":524.63,"confidence":0.796875,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":0.02759813889861107},{"word":"in","start":524.63,"end":524.71,"confidence":0.97265625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.022480003535747528},{"word":"that","start":524.71,"end":524.95,"confidence":0.9404297,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03958011418581009},{"word":"high","start":524.95,"end":525.19,"confidence":0.9941406,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.03799627721309662},{"word":"growth","start":525.19,"end":525.58997,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07754286378622055},{"word":"environment","start":525.58997,"end":526.08997,"confidence":1.0,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.04740758612751961},{"word":"there","start":526.14996,"end":526.64996,"confidence":0.9946289,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04056441783905029},{"word":"you","start":526.79,"end":526.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03003289550542831},{"word":"will","start":526.95,"end":527.19,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0308750681579113},{"word":"notice","start":527.19,"end":527.51,"confidence":1.0,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.1336814910173416},{"word":"that","start":527.51,"end":527.75,"confidence":0.8798828,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029809877276420593},{"word":"smaller","start":527.75,"end":528.14996,"confidence":0.9951172,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.04114910960197449},{"word":"fluctuations","start":528.14996,"end":528.64996,"confidence":0.99316406,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.09528808295726776},{"word":"feel","start":529.25494,"end":529.495,"confidence":0.98095703,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.054099127650260925},{"word":"a","start":529.495,"end":529.57495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11863964796066284},{"word":"lot","start":529.57495,"end":529.89496,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.0853981226682663},{"word":"bigger","start":529.89496,"end":530.21497,"confidence":0.99902344,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.13992491364479065},{"word":"on","start":530.21497,"end":530.45496,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27719417214393616},{"word":"your","start":530.45496,"end":530.69495,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35917842388153076},{"word":"super","start":530.69495,"end":531.01495,"confidence":0.48266602,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.555033266544342},{"word":"balance","start":531.01495,"end":531.33496,"confidence":0.91064453,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.2742754817008972},{"word":"and","start":531.33496,"end":531.495,"confidence":0.8642578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.016889609396457672},{"word":"in","start":531.495,"end":531.57495,"confidence":0.8378906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0018701404333114624},{"word":"the","start":531.57495,"end":531.735,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033637866377830505},{"word":"shorter","start":531.735,"end":532.13495,"confidence":0.45874023,"punctuated_word":"shorter","sentiment":"neutral","sentiment_score":0.048642538487911224},{"word":"term","start":532.13495,"end":532.375,"confidence":0.8972168,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.03724942728877067},{"word":"if","start":532.375,"end":532.535,"confidence":0.95947266,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.014810767024755478},{"word":"we","start":532.535,"end":532.77496,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.014797911047935486},{"word":"see","start":532.77496,"end":533.27496,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.011145256459712982},{"word":"those","start":533.735,"end":534.055,"confidence":0.7282715,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":-0.012320876121520996},{"word":"you","start":534.055,"end":534.21497,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0033558830618858337},{"word":"know","start":534.21497,"end":534.535,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.00014059245586395264},{"word":"fluctuations","start":534.535,"end":535.035,"confidence":0.9980469,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.027889013290405273},{"word":"continue","start":535.415,"end":535.915,"confidence":0.90649414,"punctuated_word":"continue,","sentiment":"neutral","sentiment_score":-0.015754610300064087},{"word":"a","start":536.055,"end":536.21497,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0883006900548935},{"word":"one","start":536.21497,"end":536.45496,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.07565382868051529},{"word":"or","start":536.45496,"end":536.615,"confidence":0.9589844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06468372046947479},{"word":"two","start":536.615,"end":536.77496,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.08713632822036743},{"word":"or","start":536.77496,"end":537.01495,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03979749232530594},{"word":"3%","start":537.01495,"end":537.735,"confidence":1.0,"punctuated_word":"3%","sentiment":"neutral","sentiment_score":-0.05806493386626243},{"word":"change","start":537.735,"end":537.975,"confidence":0.9980469,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.05425478518009186},{"word":"in","start":537.975,"end":538.13495,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08786933124065399},{"word":"your","start":538.13495,"end":538.375,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07619813829660416},{"word":"portfolio","start":538.375,"end":538.875,"confidence":0.9394531,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.11817173659801485},{"word":"you","start":538.935,"end":539.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18738725781440735},{"word":"might","start":539.095,"end":539.33496,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.16422812640666962},{"word":"feel","start":539.33496,"end":539.57495,"confidence":0.94628906,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.21618345379829407},{"word":"that","start":539.57495,"end":539.735,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23034250736236572},{"word":"in","start":539.735,"end":539.89496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2080087661743164},{"word":"the","start":539.89496,"end":540.055,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18327850103378296},{"word":"short","start":540.055,"end":540.295,"confidence":1.0,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.07873709499835968},{"word":"term","start":540.295,"end":540.535,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.15713664889335632},{"word":"a","start":540.535,"end":540.69495,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19086940586566925},{"word":"little","start":540.69495,"end":540.855,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.14673931896686554},{"word":"bit","start":540.855,"end":541.175,"confidence":0.9680176,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.1345793604850769},{"word":"so","start":541.175,"end":541.675,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08623937517404556},{"word":"please","start":541.79004,"end":542.27,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.07179362326860428},{"word":"reach","start":542.27,"end":542.59,"confidence":0.9838867,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.15740346908569336},{"word":"out","start":542.59,"end":542.83,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13863356411457062},{"word":"if","start":542.83,"end":542.99005,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1735522598028183},{"word":"you","start":542.99005,"end":543.15,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15119704604148865},{"word":"are","start":543.15,"end":543.39,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12492109090089798},{"word":"concerned","start":543.39,"end":543.71,"confidence":0.9970703,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":0.15404605865478516},{"word":"or","start":543.71,"end":543.95,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1689685732126236},{"word":"have","start":543.95,"end":544.11005,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16027216613292694},{"word":"any","start":544.11005,"end":544.35004,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15409506857395172},{"word":"questions","start":544.35004,"end":544.75,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.14776666462421417},{"word":"in","start":544.75,"end":544.91003,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10515031218528748},{"word":"relation","start":544.91003,"end":545.31,"confidence":0.9892578,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.12349610030651093},{"word":"to","start":545.31,"end":545.39,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13373374938964844},{"word":"it","start":545.39,"end":545.55005,"confidence":0.87060547,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1418370008468628},{"word":"but","start":545.55005,"end":545.71,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14549309015274048},{"word":"i","start":545.71,"end":545.79004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13113489747047424},{"word":"just","start":545.79004,"end":546.03,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1199624240398407},{"word":"want","start":546.03,"end":546.19,"confidence":0.47583008,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.12818655371665957},{"word":"to","start":546.19,"end":546.35004,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11951705068349838},{"word":"make","start":546.35004,"end":546.51,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11139075458049774},{"word":"sure","start":546.51,"end":546.75,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10571115463972092},{"word":"that","start":546.75,"end":547.25,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11982756108045578},{"word":"everyone","start":547.31,"end":547.81,"confidence":0.99902344,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.2113638371229172},{"word":"who","start":547.87,"end":548.03,"confidence":0.9770508,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.14739204943180084},{"word":"is","start":548.03,"end":548.27,"confidence":0.8496094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1382436454296112},{"word":"in","start":548.27,"end":548.35004,"confidence":0.93408203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11665456742048264},{"word":"that","start":548.35004,"end":548.59,"confidence":0.9394531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1571105420589447},{"word":"high","start":548.59,"end":548.75,"confidence":0.9770508,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.09051439166069032},{"word":"growth","start":548.75,"end":549.15,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.14593368768692017},{"word":"environment","start":549.15,"end":549.65,"confidence":1.0,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.12541937828063965},{"word":"does","start":549.71,"end":549.95,"confidence":0.97998047,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03304183483123779},{"word":"kind","start":549.95,"end":550.19,"confidence":0.8925781,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07919607311487198},{"word":"of","start":550.19,"end":550.35004,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09533710777759552},{"word":"is","start":550.43,"end":550.67004,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06182214617729187},{"word":"aware","start":550.67004,"end":551.07,"confidence":0.99902344,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.024142935872077945},{"word":"that","start":551.07,"end":551.55005,"confidence":0.9926758,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03242601826786995},{"word":"you","start":551.55005,"end":551.71,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02169712632894516},{"word":"know","start":551.71,"end":552.19,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.002046525478363037},{"word":"reductions","start":552.19,"end":552.69,"confidence":0.99902344,"punctuated_word":"reductions","sentiment":"neutral","sentiment_score":-0.22071154415607452},{"word":"or","start":552.83,"end":553.33,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.21392184495925903},{"word":"pullbacks","start":553.39,"end":553.89,"confidence":0.829834,"punctuated_word":"pullbacks","sentiment":"neutral","sentiment_score":-0.26202625036239624},{"word":"in","start":553.95,"end":554.19,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.26450562477111816},{"word":"the","start":554.19,"end":554.35004,"confidence":0.87597656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1656457781791687},{"word":"performance","start":554.35004,"end":554.85004,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.16573093831539154},{"word":"or","start":554.99005,"end":555.15,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08106573671102524},{"word":"in","start":555.15,"end":555.39,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1959956586360931},{"word":"the","start":555.39,"end":555.825,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12313462793827055},{"word":"in","start":555.905,"end":555.985,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10631737112998962},{"word":"the","start":555.985,"end":556.22504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08808216452598572},{"word":"market","start":556.22504,"end":556.465,"confidence":0.98828125,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.0861118733882904},{"word":"in","start":556.465,"end":556.705,"confidence":0.88964844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13872003555297852},{"word":"the","start":556.705,"end":556.78503,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06974116712808609},{"word":"short","start":556.78503,"end":557.025,"confidence":1.0,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.04456184804439545},{"word":"term","start":557.025,"end":557.34503,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.0072927325963974},{"word":"does","start":557.34503,"end":557.585,"confidence":0.97802734,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.09324488043785097},{"word":"affect","start":557.585,"end":557.985,"confidence":0.99902344,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.1505514532327652},{"word":"everybody","start":557.985,"end":558.465,"confidence":0.9343262,"punctuated_word":"everybody,","sentiment":"neutral","sentiment_score":-0.024361714720726013},{"word":"but","start":558.465,"end":558.625,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.015932589769363403},{"word":"it's","start":558.625,"end":558.865,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.010603788308799269},{"word":"about","start":558.865,"end":559.10504,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.004221625626087189},{"word":"waiting","start":559.10504,"end":559.505,"confidence":0.63623047,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.02745760977268219},{"word":"through","start":559.505,"end":559.745,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.18629838526248932},{"word":"those","start":559.745,"end":560.065,"confidence":0.9951172,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.15576830506324768},{"word":"downtimes","start":560.065,"end":560.565,"confidence":0.779541,"punctuated_word":"downtimes","sentiment":"neutral","sentiment_score":-0.21581636369228363},{"word":"and","start":560.705,"end":560.945,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09682796895503998},{"word":"coming","start":560.945,"end":561.265,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.08384998142719269},{"word":"out","start":561.265,"end":561.505,"confidence":0.9902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.045589908957481384},{"word":"on","start":561.505,"end":561.66504,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.029291369020938873},{"word":"the","start":561.66504,"end":561.825,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013410314917564392},{"word":"other","start":561.825,"end":562.065,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.033821895718574524},{"word":"side","start":562.065,"end":562.305,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.023965395987033844},{"word":"there","start":562.305,"end":562.78503,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.004408946260809898},{"word":"and","start":562.78503,"end":563.025,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.00541924312710762},{"word":"if","start":563.025,"end":563.185,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.014056313782930374},{"word":"you","start":563.185,"end":563.34503,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06101924926042557},{"word":"ever","start":563.34503,"end":563.585,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.02447420358657837},{"word":"find","start":563.585,"end":563.825,"confidence":0.9921875,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.1484849452972412},{"word":"you're","start":563.825,"end":564.065,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1657031774520874},{"word":"not","start":564.065,"end":564.305,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2708505690097809},{"word":"comfortable","start":564.305,"end":564.78503,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"negative","sentiment_score":-0.45885124802589417},{"word":"being","start":564.78503,"end":565.025,"confidence":0.9863281,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.33223241567611694},{"word":"in","start":565.025,"end":565.10504,"confidence":0.7607422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2854822874069214},{"word":"that","start":565.10504,"end":565.34503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2359836995601654},{"word":"kind","start":565.34503,"end":565.505,"confidence":0.57470703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.3161894381046295},{"word":"of","start":565.505,"end":565.585,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30387774109840393},{"word":"high","start":565.585,"end":565.825,"confidence":0.99121094,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.2825866639614105},{"word":"growth","start":565.825,"end":566.065,"confidence":0.9892578,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.12831681966781616},{"word":"environment","start":566.065,"end":566.565,"confidence":0.9995117,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":-0.12241391837596892},{"word":"please","start":566.625,"end":566.945,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.07681022584438324},{"word":"do","start":566.945,"end":567.10504,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09964381158351898},{"word":"let","start":567.10504,"end":567.265,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.049002453684806824},{"word":"me","start":567.265,"end":567.425,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.03301677852869034},{"word":"know","start":567.425,"end":567.585,"confidence":0.9812012,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.06658793240785599},{"word":"i'm","start":567.585,"end":567.745,"confidence":0.98339844,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.45241665840148926},{"word":"more","start":567.745,"end":567.905,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5165375471115112},{"word":"than","start":567.905,"end":568.065,"confidence":0.9980469,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.5246195197105408},{"word":"happy","start":568.065,"end":568.305,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5296923518180847},{"word":"to","start":568.305,"end":568.465,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5012816190719604},{"word":"talk","start":568.465,"end":568.705,"confidence":0.984375,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.4786766767501831},{"word":"you","start":568.705,"end":568.865,"confidence":0.9716797,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4007366001605987},{"word":"through","start":568.865,"end":569.10504,"confidence":0.97802734,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.479693740606308},{"word":"it","start":569.10504,"end":569.185,"confidence":0.91503906,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3666512072086334},{"word":"or","start":569.185,"end":569.425,"confidence":0.9428711,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.32413506507873535},{"word":"reassess","start":569.425,"end":569.85,"confidence":0.9394531,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.20393280684947968},{"word":"that","start":570.00995,"end":570.25,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2654602825641632},{"word":"level","start":570.25,"end":570.49,"confidence":0.9980469,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.2411104142665863},{"word":"with","start":570.49,"end":570.73,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3659280836582184},{"word":"you","start":570.73,"end":570.97,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27351996302604675},{"word":"as","start":570.97,"end":571.05,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31432029604911804},{"word":"well","start":571.05,"end":571.55,"confidence":0.9975586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19581711292266848},{"word":"okay","start":571.61,"end":572.11,"confidence":0.8696289,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06598927080631256},{"word":"absolutely","start":578.00995,"end":578.50995,"confidence":0.86279297,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.10175926983356476},{"word":"yeah","start":583.835,"end":584.335,"confidence":0.88964844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06366485357284546},{"word":"yeah","start":586.155,"end":586.655,"confidence":0.9387207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05376284569501877},{"word":"absolutely","start":589.195,"end":589.435,"confidence":0.9543457,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.05832786113023758},{"word":"look","start":589.435,"end":589.67505,"confidence":0.8208008,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.13629665970802307},{"word":"it's","start":589.67505,"end":589.835,"confidence":0.99365234,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.2003163546323776},{"word":"it's","start":589.835,"end":590.075,"confidence":0.9880371,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.22638976573944092},{"word":"a","start":590.075,"end":590.23505,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19493797421455383},{"word":"positive","start":590.23505,"end":590.635,"confidence":1.0,"punctuated_word":"positive","sentiment":"neutral","sentiment_score":-0.16765962541103363},{"word":"and","start":590.635,"end":590.79504,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.271894246339798},{"word":"a","start":590.79504,"end":590.955,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2638426423072815},{"word":"negative","start":590.955,"end":591.455,"confidence":0.9970703,"punctuated_word":"negative.","sentiment":"neutral","sentiment_score":-0.26561620831489563},{"word":"a","start":591.59503,"end":591.835,"confidence":1.0,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.12743833661079407},{"word":"long","start":591.835,"end":591.995,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.11194753646850586},{"word":"time","start":591.995,"end":592.155,"confidence":0.8354492,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.09215310215950012},{"word":"of","start":592.155,"end":592.315,"confidence":0.56933594,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12790873646736145},{"word":"work","start":592.315,"end":592.635,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.0695292204618454},{"word":"means","start":592.635,"end":592.875,"confidence":0.9970703,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.04561355710029602},{"word":"you've","start":592.875,"end":593.03503,"confidence":0.9975586,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.01080991607159376},{"word":"gotta","start":593.03503,"end":593.35504,"confidence":0.75683594,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.09986184537410736},{"word":"do","start":593.35504,"end":593.59503,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1355482041835785},{"word":"more","start":593.59503,"end":593.755,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1198570877313614},{"word":"work","start":593.755,"end":594.155,"confidence":0.98999023,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.1203286349773407},{"word":"unfortunately","start":594.155,"end":594.655,"confidence":0.9941406,"punctuated_word":"unfortunately.","sentiment":"neutral","sentiment_score":-0.16204378008842468},{"word":"however","start":594.875,"end":595.275,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.04377833381295204},{"word":"you","start":595.275,"end":595.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007030054926872253},{"word":"do","start":595.435,"end":595.67505,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05861653387546539},{"word":"have","start":595.67505,"end":595.835,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05590258538722992},{"word":"a","start":595.835,"end":595.91504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029918454587459564},{"word":"lot","start":595.91504,"end":596.075,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.0019586682319641113},{"word":"more","start":596.075,"end":596.23505,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.00926963984966278},{"word":"time","start":596.23505,"end":596.55505,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.057754650712013245},{"word":"to","start":596.55505,"end":596.715,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05549606680870056},{"word":"allow","start":596.715,"end":596.955,"confidence":0.99609375,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.020203545689582825},{"word":"your","start":596.955,"end":597.195,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.058011651039123535},{"word":"portfolio","start":597.195,"end":597.695,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.006740882992744446},{"word":"to","start":597.835,"end":597.995,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08007749915122986},{"word":"come","start":597.995,"end":598.26,"confidence":0.7480469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.015507519245147703},{"word":"pan","start":598.26,"end":598.5,"confidence":0.22338867,"punctuated_word":"pan","sentiment":"neutral","sentiment_score":0.13332071900367737},{"word":"for","start":598.5,"end":598.66003,"confidence":0.96777344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.004901021718978882},{"word":"longer","start":598.66003,"end":598.9,"confidence":0.9094238,"punctuated_word":"longer,","sentiment":"neutral","sentiment_score":0.084424689412117},{"word":"so","start":598.9,"end":599.22003,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15495464205741882},{"word":"it's","start":599.22003,"end":599.38,"confidence":0.9111328,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10737061500549316},{"word":"absolutely","start":599.38,"end":599.78,"confidence":0.9941406,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.12175889313220978},{"word":"fine","start":599.78,"end":600.28,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10377369076013564},{"word":"i","start":600.82,"end":600.9,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04119551181793213},{"word":"just","start":600.9,"end":601.06,"confidence":0.53125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.043405115604400635},{"word":"like","start":601.06,"end":601.3,"confidence":0.9951172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06477707624435425},{"word":"to","start":601.3,"end":601.38,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08418164402246475},{"word":"sort","start":601.38,"end":601.54004,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09501151740550996},{"word":"of","start":601.54004,"end":601.7,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11081574112176897},{"word":"bring","start":601.7,"end":601.86,"confidence":0.99902344,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.08265124261379242},{"word":"those","start":601.86,"end":602.10004,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.14889703691005707},{"word":"things","start":602.10004,"end":602.26,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.12636393308639526},{"word":"up","start":602.26,"end":602.42,"confidence":0.98535156,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15634509921073914},{"word":"because","start":602.42,"end":602.66003,"confidence":0.6738281,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0684371218085289},{"word":"i","start":602.66003,"end":602.74,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02875456213951111},{"word":"am","start":602.74,"end":602.9,"confidence":0.9980469,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.021593481302261353},{"word":"sort","start":602.9,"end":603.06,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.030469685792922977},{"word":"of","start":603.06,"end":603.14,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009158805012702942},{"word":"finding","start":603.14,"end":603.54004,"confidence":0.99902344,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":-0.00950734317302704},{"word":"this","start":603.54004,"end":603.7,"confidence":0.97265625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0304519385099411},{"word":"year","start":603.7,"end":603.94,"confidence":0.9135742,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.03933468461036682},{"word":"a","start":603.94,"end":604.02,"confidence":0.7055664,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06452885270118713},{"word":"lot","start":604.02,"end":604.14,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.013120383024215698},{"word":"of","start":604.14,"end":604.26,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037707120180130005},{"word":"people","start":604.26,"end":604.58,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.09277115762233734},{"word":"who","start":604.58,"end":604.9,"confidence":0.8586426,"punctuated_word":"who,","sentiment":"neutral","sentiment_score":-0.00939664989709854},{"word":"you","start":604.9,"end":605.06,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024942010641098022},{"word":"know","start":605.06,"end":605.14,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03364507853984833},{"word":"the","start":605.14,"end":605.38,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007298454642295837},{"word":"last","start":605.38,"end":605.62,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.05309632420539856},{"word":"few","start":605.62,"end":605.78,"confidence":0.87890625,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.07487639784812927},{"word":"years","start":605.78,"end":605.94,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.0332513153553009},{"word":"have","start":605.94,"end":606.18,"confidence":0.8408203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.010466143488883972},{"word":"wanted","start":606.18,"end":606.5,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.03423963487148285},{"word":"to","start":606.5,"end":606.58,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009615927934646606},{"word":"say","start":606.58,"end":606.74,"confidence":0.671875,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.007591471076011658},{"word":"high","start":606.74,"end":606.98,"confidence":0.85498047,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.0055065155029296875},{"word":"growth","start":606.98,"end":607.3,"confidence":0.9873047,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.03387613594532013},{"word":"this","start":607.3,"end":607.46,"confidence":0.86328125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04883855581283569},{"word":"year","start":607.46,"end":607.7,"confidence":0.6583252,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.010696463286876678},{"word":"have","start":607.7,"end":607.94,"confidence":0.6489258,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03850312530994415},{"word":"been","start":607.94,"end":608.26,"confidence":0.66748047,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.007526874542236328},{"word":"have","start":608.26,"end":608.42,"confidence":0.8222656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.046097531914711},{"word":"been","start":608.42,"end":608.66003,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0853504091501236},{"word":"a","start":608.66003,"end":608.82,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13831692934036255},{"word":"little","start":608.82,"end":609.06,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1516071856021881},{"word":"bit","start":609.06,"end":609.38,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.219084233045578},{"word":"more","start":609.38,"end":609.62,"confidence":0.96875,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.21394336223602295},{"word":"nervous","start":609.62,"end":610.02,"confidence":0.99902344,"punctuated_word":"nervous","sentiment":"neutral","sentiment_score":-0.113886721432209},{"word":"about","start":610.02,"end":610.26,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1949516385793686},{"word":"it","start":610.26,"end":610.42,"confidence":0.8496094,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.15370312333106995},{"word":"so","start":610.42,"end":610.58,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15992477536201477},{"word":"i've","start":610.58,"end":610.74,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.22463101148605347},{"word":"been","start":610.74,"end":610.98,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.25576019287109375},{"word":"having","start":610.98,"end":611.22003,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.3063165843486786},{"word":"a","start":611.22003,"end":611.38,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.39871180057525635},{"word":"lot","start":611.38,"end":611.54004,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.4109932780265808},{"word":"of","start":611.54004,"end":611.62,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4060194492340088},{"word":"very","start":611.62,"end":611.94,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.470770001411438},{"word":"honest","start":611.94,"end":612.34,"confidence":0.99902344,"punctuated_word":"honest","sentiment":"positive","sentiment_score":0.3685171604156494},{"word":"conversations","start":612.34,"end":612.84,"confidence":0.99121094,"punctuated_word":"conversations","sentiment":"positive","sentiment_score":0.4474942684173584},{"word":"with","start":613.06,"end":613.22003,"confidence":0.9970703,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4723496437072754},{"word":"people","start":613.22003,"end":613.72003,"confidence":1.0,"punctuated_word":"people","sentiment":"positive","sentiment_score":0.4651288390159607},{"word":"from","start":614.245,"end":614.485,"confidence":0.9482422,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4119875729084015},{"word":"all","start":614.485,"end":614.725,"confidence":0.984375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.34493210911750793},{"word":"works","start":614.725,"end":615.045,"confidence":0.60498047,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.30108267068862915},{"word":"walks","start":615.125,"end":615.44495,"confidence":0.97265625,"punctuated_word":"walks","sentiment":"neutral","sentiment_score":0.3010859191417694},{"word":"of","start":615.44495,"end":615.605,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3094598054885864},{"word":"life","start":615.605,"end":615.845,"confidence":0.99609375,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.35609471797943115},{"word":"as","start":615.845,"end":616.00494,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4172353148460388},{"word":"well","start":616.00494,"end":616.50494,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.37126022577285767},{"word":"i","start":616.88495,"end":617.045,"confidence":0.890625,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.45040684938430786},{"word":"feel","start":617.045,"end":617.20496,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"positive","sentiment_score":0.47744154930114746},{"word":"like","start":617.20496,"end":617.44495,"confidence":0.96875,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4804233312606811},{"word":"you're","start":617.44495,"end":617.685,"confidence":0.9873047,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4691228866577149},{"word":"probably","start":617.685,"end":618.185,"confidence":0.99609375,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.46832937002182007},{"word":"a","start":618.245,"end":618.32495,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3863759934902191},{"word":"bit","start":618.32495,"end":618.56494,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2733428180217743},{"word":"more","start":618.56494,"end":618.725,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.26843932271003723},{"word":"versed","start":618.725,"end":619.125,"confidence":0.96972656,"punctuated_word":"versed","sentiment":"neutral","sentiment_score":0.3148309290409088},{"word":"than","start":619.125,"end":619.44495,"confidence":0.71191406,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.3415185213088989},{"word":"most","start":619.44495,"end":619.76495,"confidence":0.99902344,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.35820895433425903},{"word":"people","start":619.76495,"end":620.08496,"confidence":0.99902344,"punctuated_word":"people","sentiment":"positive","sentiment_score":0.3509373068809509},{"word":"are","start":620.08496,"end":620.32495,"confidence":0.99609375,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.35712388157844543},{"word":"in","start":620.32495,"end":620.56494,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.41405630111694336},{"word":"relation","start":620.56494,"end":620.96497,"confidence":0.90722656,"punctuated_word":"relation","sentiment":"positive","sentiment_score":0.4922094941139221},{"word":"to","start":620.96497,"end":621.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4335699677467346},{"word":"the","start":621.125,"end":621.285,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32623592019081116},{"word":"markets","start":621.285,"end":621.685,"confidence":0.81640625,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.32716596126556396},{"word":"and","start":621.685,"end":621.845,"confidence":0.9760742,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4861312508583069},{"word":"how","start":621.845,"end":622.08496,"confidence":0.99902344,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.4886438846588135},{"word":"things","start":622.08496,"end":622.40497,"confidence":0.9970703,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.47182324528694153},{"word":"work","start":622.40497,"end":622.64496,"confidence":0.8442383,"punctuated_word":"work,","sentiment":"positive","sentiment_score":0.4936555325984955},{"word":"and","start":622.64496,"end":623.14496,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4476713538169861},{"word":"it's","start":624.08496,"end":624.32495,"confidence":0.9758301,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.47775816917419434},{"word":"just","start":624.32495,"end":624.56494,"confidence":0.9836426,"punctuated_word":"just,","sentiment":"positive","sentiment_score":0.47031906247138977},{"word":"you","start":624.56494,"end":624.64496,"confidence":0.99316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4028387069702149},{"word":"know","start":624.64496,"end":624.88495,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.43358635902404785},{"word":"making","start":624.88495,"end":625.20496,"confidence":0.98535156,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4501183032989502},{"word":"sure","start":625.20496,"end":625.365,"confidence":0.97314453,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4473798274993897},{"word":"that","start":625.365,"end":625.52496,"confidence":0.9165039,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40578073263168335},{"word":"everyone's","start":625.52496,"end":625.89,"confidence":0.88500977,"punctuated_word":"everyone's","sentiment":"positive","sentiment_score":0.4207611083984375},{"word":"comfortable","start":626.05,"end":626.37,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.35444092750549316},{"word":"with","start":626.37,"end":626.61,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.393187016248703},{"word":"that","start":626.61,"end":626.77,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.45921722054481506},{"word":"level","start":626.77,"end":627.09,"confidence":1.0,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.4525389671325683},{"word":"and","start":627.09,"end":627.25,"confidence":0.90722656,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.45517951250076294},{"word":"noting","start":627.25,"end":627.49,"confidence":0.9790039,"punctuated_word":"noting","sentiment":"positive","sentiment_score":0.40620219707489014},{"word":"that","start":627.49,"end":627.65,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.38534530997276306},{"word":"you","start":627.65,"end":627.81,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39944422245025635},{"word":"don't","start":627.81,"end":628.13,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.30816665291786194},{"word":"have","start":628.13,"end":628.29004,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34293490648269653},{"word":"to","start":628.29004,"end":628.37,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22130270302295685},{"word":"wait","start":628.37,"end":628.53,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.08461479842662811},{"word":"for","start":628.53,"end":628.69,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1012563407421112},{"word":"the","start":628.69,"end":628.85004,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1355275809764862},{"word":"annual","start":628.85004,"end":629.17004,"confidence":0.9941406,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.14359773695468905},{"word":"review","start":629.17004,"end":629.57,"confidence":0.9855957,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.22737008333206177},{"word":"if","start":629.57,"end":629.73004,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.30384376645088196},{"word":"you're","start":629.73004,"end":629.97003,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.26448312401771545},{"word":"ever","start":629.97003,"end":630.29004,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.24809151887893677},{"word":"concerned","start":630.29004,"end":630.79004,"confidence":0.9951172,"punctuated_word":"concerned,","sentiment":"neutral","sentiment_score":0.20707447826862335},{"word":"pick","start":630.85004,"end":631.09,"confidence":0.9970703,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.1799766570329666},{"word":"up","start":631.09,"end":631.17004,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1886732578277588},{"word":"the","start":631.17004,"end":631.33,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1964994519948959},{"word":"phone","start":631.33,"end":631.65,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.16196218132972717},{"word":"or","start":631.65,"end":631.81,"confidence":0.95947266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16619403660297394},{"word":"let","start":631.81,"end":632.05,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1624358892440796},{"word":"me","start":632.05,"end":632.21,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1883402317762375},{"word":"know","start":632.21,"end":632.53,"confidence":0.9875488,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.22193485498428345},{"word":"i'll","start":632.53,"end":632.77,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.29101741313934326},{"word":"make","start":632.77,"end":633.01,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3252885341644287},{"word":"time","start":633.01,"end":633.25,"confidence":0.9951172,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.36321672797203064},{"word":"to","start":633.25,"end":633.41003,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3227711319923401},{"word":"come","start":633.41003,"end":633.57,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.31986361742019653},{"word":"and","start":633.57,"end":633.73004,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2997795045375824},{"word":"have","start":633.73004,"end":633.89,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3097635805606842},{"word":"a","start":633.89,"end":633.97003,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27677810192108154},{"word":"chat","start":633.97003,"end":634.21,"confidence":1.0,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.3127751648426056},{"word":"with","start":634.21,"end":634.37,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32659441232681274},{"word":"you","start":634.37,"end":634.85004,"confidence":0.93530273,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2598286271095276},{"word":"and","start":634.85004,"end":635.09,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20674189925193787},{"word":"we","start":635.09,"end":635.17004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22258590161800385},{"word":"can","start":635.17004,"end":635.41003,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0666511207818985},{"word":"always","start":635.41003,"end":635.73004,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.10003266483545303},{"word":"review","start":635.73004,"end":636.13,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.040741074830293655},{"word":"the","start":636.13,"end":636.29004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06553704291582108},{"word":"portfolio","start":636.29004,"end":636.79004,"confidence":0.53466797,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.021086562424898148},{"word":"to","start":636.93,"end":637.17004,"confidence":0.8925781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03264690190553665},{"word":"review","start":637.17004,"end":637.67004,"confidence":0.9946289,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.05386737734079361},{"word":"you","start":638.13,"end":638.29004,"confidence":0.9013672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04807386174798012},{"word":"know","start":638.29004,"end":638.53,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05900992453098297},{"word":"your","start":638.53,"end":638.77,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05011788010597229},{"word":"risk","start":638.77,"end":639.01,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.031361404806375504},{"word":"level","start":639.01,"end":639.33,"confidence":0.99902344,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.010101240128278732},{"word":"at","start":639.33,"end":639.49,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03999700769782066},{"word":"any","start":639.49,"end":639.73004,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09480002522468568},{"word":"point","start":639.73004,"end":639.97003,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.038475170731544495},{"word":"in","start":639.97003,"end":640.13,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04358222708106041},{"word":"time","start":640.13,"end":640.37,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.04794912412762642},{"word":"as","start":640.37,"end":640.53,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08078549057245255},{"word":"well","start":640.53,"end":641.01,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06377249211072922},{"word":"okay","start":641.01,"end":641.51,"confidence":0.97265625,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.04348792880773544},{"word":"yep","start":642.635,"end":643.11505,"confidence":0.8654785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1475750207901001},{"word":"perfect","start":643.11505,"end":643.61505,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3834444582462311},{"word":"all","start":645.35504,"end":645.67505,"confidence":0.95166016,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3666023910045624},{"word":"good","start":645.67505,"end":646.17505,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.33002418279647827},{"word":"with","start":646.395,"end":646.555,"confidence":0.60791016,"punctuated_word":"With","sentiment":"positive","sentiment_score":0.5288740396499634},{"word":"that","start":646.555,"end":646.715,"confidence":0.8171387,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.5200640559196472},{"word":"sir","start":646.715,"end":646.955,"confidence":0.7832031,"punctuated_word":"sir,","sentiment":"positive","sentiment_score":0.524834156036377},{"word":"you're","start":646.955,"end":647.11505,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6217457056045532},{"word":"happy","start":647.11505,"end":647.435,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.620164155960083},{"word":"to","start":647.435,"end":647.515,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5588092803955078},{"word":"stay","start":647.515,"end":647.67505,"confidence":0.9790039,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.5696539878845215},{"word":"in","start":647.67505,"end":647.835,"confidence":0.9658203,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6229415535926819},{"word":"that","start":647.835,"end":647.995,"confidence":0.85058594,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6092389822006226},{"word":"high","start":647.995,"end":648.155,"confidence":0.98828125,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.5488288402557373},{"word":"growth","start":648.155,"end":648.47504,"confidence":0.9902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.64543616771698},{"word":"environment","start":648.47504,"end":648.875,"confidence":0.9970703,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.6194367408752441},{"word":"for","start":648.875,"end":649.03503,"confidence":0.8745117,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.37117043137550354},{"word":"the","start":649.03503,"end":649.195,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4093879759311676},{"word":"moment","start":649.195,"end":649.515,"confidence":0.967041,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.42570725083351135},{"word":"i","start":649.515,"end":649.67505,"confidence":0.9316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2626761794090271},{"word":"mean","start":649.67505,"end":649.91504,"confidence":0.9926758,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.26203709840774536},{"word":"realistically","start":649.91504,"end":650.41504,"confidence":0.99560547,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.3126797378063202},{"word":"you","start":650.555,"end":650.715,"confidence":0.984375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3542432487010956},{"word":"do","start":650.715,"end":650.875,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.32922887802124023},{"word":"have","start":650.875,"end":651.11505,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.35759690403938293},{"word":"the","start":651.11505,"end":651.195,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29679256677627563},{"word":"time","start":651.195,"end":651.515,"confidence":0.99609375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.24471840262413025},{"word":"horizon","start":651.515,"end":652.015,"confidence":0.9980469,"punctuated_word":"horizon","sentiment":"neutral","sentiment_score":0.21680442988872528},{"word":"ahead","start":652.075,"end":652.315,"confidence":0.99902344,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.26343125104904175},{"word":"of","start":652.315,"end":652.47504,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2853211462497711},{"word":"you","start":652.47504,"end":652.955,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2441411167383194},{"word":"as","start":652.955,"end":653.11505,"confidence":0.9941406,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.20356136560440063},{"word":"you","start":653.11505,"end":653.275,"confidence":0.703125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21335232257843015},{"word":"said","start":653.275,"end":653.515,"confidence":0.98339844,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.16908693313598633},{"word":"you're","start":653.515,"end":653.67505,"confidence":0.9904785,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16571573913097382},{"word":"only","start":653.67505,"end":653.995,"confidence":0.9873047,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.1352776736021042},{"word":"37","start":653.995,"end":654.555,"confidence":0.9995117,"punctuated_word":"37","sentiment":"neutral","sentiment_score":0.14456456899642944},{"word":"in","start":654.555,"end":654.79504,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09707284718751907},{"word":"september","start":654.79504,"end":655.275,"confidence":0.9016113,"punctuated_word":"September,","sentiment":"neutral","sentiment_score":0.110038623213768},{"word":"so","start":655.275,"end":655.435,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11649243533611298},{"word":"you've","start":655.435,"end":655.59503,"confidence":0.99609375,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.146700918674469},{"word":"got","start":655.59503,"end":655.95,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14964792132377625},{"word":"a","start":656.03,"end":656.11,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15439875423908234},{"word":"bit","start":656.11,"end":656.23,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14906956255435944},{"word":"of","start":656.23,"end":656.35004,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12893536686897278},{"word":"time","start":656.35004,"end":656.75,"confidence":0.98828125,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.13169068098068237},{"word":"before","start":656.75,"end":657.15,"confidence":0.7421875,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.10397554934024812},{"word":"you're","start":657.15,"end":657.31,"confidence":0.9916992,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.15756818652153015},{"word":"able","start":657.31,"end":657.63,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1837121844291687},{"word":"to","start":657.63,"end":657.79004,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1542595624923706},{"word":"access","start":657.79004,"end":658.19,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.136335551738739},{"word":"super","start":658.19,"end":658.51,"confidence":0.52441406,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.21841244399547577},{"word":"at","start":658.51,"end":658.67,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21152830123901367},{"word":"this","start":658.67,"end":658.91003,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2637592554092407},{"word":"stage","start":658.91003,"end":659.41003,"confidence":0.99902344,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":0.2216789573431015},{"word":"capacity","start":660.51,"end":661.01,"confidence":0.9550781,"punctuated_word":"Capacity","sentiment":"neutral","sentiment_score":0.2736152112483978},{"word":"wise","start":661.07,"end":661.39,"confidence":0.9975586,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.3160991072654724},{"word":"you've","start":661.39,"end":661.63,"confidence":0.99121094,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.3535158336162567},{"word":"got","start":661.63,"end":661.79004,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.29648667573928833},{"word":"time","start":661.79004,"end":662.03,"confidence":0.9941406,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.43456777930259705},{"word":"to","start":662.03,"end":662.27,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3934946954250336},{"word":"wade","start":662.27,"end":662.51,"confidence":0.8239746,"punctuated_word":"wade","sentiment":"positive","sentiment_score":0.3974965214729309},{"word":"through","start":662.51,"end":662.75,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3886425495147705},{"word":"the","start":662.75,"end":662.91003,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3617873787879944},{"word":"downtime","start":662.91003,"end":663.41003,"confidence":0.7583008,"punctuated_word":"downtime","sentiment":"neutral","sentiment_score":0.28276312351226807},{"word":"without","start":663.47003,"end":663.97003,"confidence":0.9760742,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.15747185051441193},{"word":"sort","start":664.03,"end":664.27,"confidence":0.96875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1468457281589508},{"word":"of","start":664.27,"end":664.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2205122411251068},{"word":"worrying","start":664.51,"end":664.91003,"confidence":0.9892578,"punctuated_word":"worrying","sentiment":"neutral","sentiment_score":0.16848698258399963},{"word":"or","start":664.91003,"end":665.15,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14440634846687317},{"word":"having","start":665.15,"end":665.39,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.15335726737976074},{"word":"to","start":665.39,"end":665.63,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1444610059261322},{"word":"take","start":665.63,"end":665.95,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.16886186599731445},{"word":"money","start":665.95,"end":666.35004,"confidence":0.9980469,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2282293736934662},{"word":"out","start":666.35004,"end":666.51,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.19110345840454104},{"word":"there","start":666.51,"end":666.75,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2564552426338196},{"word":"at","start":666.75,"end":666.83,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2527916133403778},{"word":"the","start":666.83,"end":666.99,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2827261686325073},{"word":"moment","start":666.99,"end":667.47003,"confidence":0.7980957,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.2973998785018921},{"word":"and","start":667.47003,"end":667.63,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3162456750869751},{"word":"you","start":667.63,"end":667.79004,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37791648507118225},{"word":"are","start":667.79004,"end":668.03,"confidence":0.9980469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3748274445533752},{"word":"working","start":668.03,"end":668.35004,"confidence":0.7203369,"punctuated_word":"working,","sentiment":"positive","sentiment_score":0.4191191494464874},{"word":"and","start":668.35004,"end":668.51,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4221822023391723},{"word":"you're","start":668.51,"end":668.67,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.49492329359054565},{"word":"a","start":668.67,"end":668.75,"confidence":0.9873047,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4576823711395264},{"word":"good","start":668.75,"end":669.165,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5164164304733276},{"word":"high","start":669.32495,"end":669.565,"confidence":0.99902344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4850152730941773},{"word":"income","start":669.565,"end":669.88495,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.5468597412109375},{"word":"earner","start":669.88495,"end":670.285,"confidence":0.9909668,"punctuated_word":"earner","sentiment":"positive","sentiment_score":0.41654327511787415},{"word":"as","start":670.285,"end":670.52496,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.48395687341690063},{"word":"well","start":670.52496,"end":670.845,"confidence":0.86987305,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.40884172916412354},{"word":"so","start":670.845,"end":671.08496,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4203903079032898},{"word":"your","start":671.08496,"end":671.32495,"confidence":0.9902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5590521097183228},{"word":"contributions","start":671.32495,"end":671.82495,"confidence":0.98828125,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.5565629005432129},{"word":"going","start":672.125,"end":672.285,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.5891093611717224},{"word":"in","start":672.285,"end":672.785,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5936518311500549},{"word":"do","start":673.165,"end":673.32495,"confidence":0.6503906,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5077362060546875},{"word":"also","start":673.32495,"end":673.64496,"confidence":0.9921875,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.42966002225875854},{"word":"provide","start":673.64496,"end":674.045,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.4307856261730194},{"word":"that","start":674.045,"end":674.285,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3833134770393371},{"word":"greater","start":674.285,"end":674.685,"confidence":0.9951172,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.33459487557411194},{"word":"benefit","start":674.685,"end":675.165,"confidence":0.9970703,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.4433459043502808},{"word":"to","start":675.165,"end":675.245,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4712179899215698},{"word":"your","start":675.245,"end":675.485,"confidence":0.94628906,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3970121741294861},{"word":"super","start":675.485,"end":675.985,"confidence":0.95996094,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.452017605304718},{"word":"i'm","start":676.605,"end":676.76495,"confidence":0.86450195,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.46478161215782166},{"word":"comfortable","start":676.76495,"end":677.26495,"confidence":0.984375,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.3682512938976288},{"word":"keeping","start":677.32495,"end":677.64496,"confidence":1.0,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.507012665271759},{"word":"you","start":677.64496,"end":677.725,"confidence":0.8310547,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6242432594299316},{"word":"in","start":677.725,"end":677.88495,"confidence":0.96533203,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6257795691490173},{"word":"that","start":677.88495,"end":678.045,"confidence":0.96875,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6340914964675903},{"word":"high","start":678.045,"end":678.285,"confidence":0.9760742,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.5638900399208069},{"word":"growth","start":678.285,"end":678.52496,"confidence":0.9580078,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.614978551864624},{"word":"environment","start":678.52496,"end":678.925,"confidence":0.9980469,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.5604085326194763},{"word":"for","start":678.925,"end":679.165,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4199090600013733},{"word":"the","start":679.165,"end":679.32495,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4207591712474823},{"word":"time","start":679.32495,"end":679.485,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4796281158924103},{"word":"being","start":679.485,"end":679.805,"confidence":0.9951172,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.42597806453704834},{"word":"as","start":679.805,"end":679.88495,"confidence":0.9580078,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4533564448356629},{"word":"long","start":679.88495,"end":680.125,"confidence":1.0,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.49673449993133545},{"word":"as","start":680.125,"end":680.285,"confidence":0.9951172,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4710662066936493},{"word":"you're","start":680.285,"end":680.52496,"confidence":0.98999023,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4786614179611206},{"word":"comfortable","start":680.52496,"end":681.005,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.3857938349246979},{"word":"to","start":681.005,"end":681.165,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4575745463371277},{"word":"stay","start":681.165,"end":681.40497,"confidence":0.9970703,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.4251117408275604},{"word":"there","start":681.40497,"end":681.90497,"confidence":0.9489746,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3963910937309265},{"word":"yep","start":683.34,"end":683.82,"confidence":0.7844238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16844022274017334},{"word":"perfect","start":683.82,"end":684.32,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5487945079803467},{"word":"excellent","start":684.54,"end":685.04,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5862106680870056},{"word":"all","start":685.42,"end":685.66003,"confidence":0.7963867,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5172231793403625},{"word":"good","start":685.66003,"end":686.16003,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4247183799743652},{"word":"the","start":686.7,"end":686.86,"confidence":0.7573242,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04646310955286026},{"word":"other","start":686.86,"end":687.02,"confidence":0.9394531,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.020536348223686215},{"word":"thing","start":687.02,"end":687.26,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.01404380053281784},{"word":"i","start":687.26,"end":687.42,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0639922097325325},{"word":"do","start":687.42,"end":687.5,"confidence":0.984375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05383894219994545},{"word":"like","start":687.5,"end":687.66003,"confidence":0.9301758,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06452619284391403},{"word":"to","start":687.66003,"end":687.74,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04096801578998566},{"word":"look","start":687.74,"end":687.98,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0291333869099617},{"word":"at","start":687.98,"end":688.14,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01410256326198578},{"word":"is","start":688.14,"end":688.3,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03603027388453483},{"word":"the","start":688.3,"end":688.46,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01836993545293808},{"word":"insurances","start":688.46,"end":688.96,"confidence":0.97314453,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.016034873202443123},{"word":"so","start":689.1,"end":689.18,"confidence":0.5395508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06765575706958771},{"word":"i","start":689.18,"end":689.26,"confidence":0.9633789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08374333381652832},{"word":"know","start":689.26,"end":689.5,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.10878804326057434},{"word":"last","start":689.5,"end":689.82,"confidence":0.89453125,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.08080606907606125},{"word":"year","start":689.82,"end":689.98,"confidence":0.6057129,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.07148775458335876},{"word":"we","start":689.98,"end":690.14,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10487252473831175},{"word":"did","start":690.14,"end":690.38,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.08443985134363174},{"word":"go","start":690.38,"end":690.62,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.10968147218227386},{"word":"ahead","start":690.62,"end":691.12,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":-0.1190100759267807},{"word":"and","start":691.18,"end":691.34,"confidence":0.94628906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1469382643699646},{"word":"cancel","start":691.34,"end":691.66003,"confidence":0.9580078,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.12295816838741302},{"word":"your","start":691.66003,"end":691.9,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1310615837574005},{"word":"income","start":691.9,"end":692.22003,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.12339481711387634},{"word":"protection","start":692.22003,"end":692.62,"confidence":0.9797363,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.1286093294620514},{"word":"you","start":692.62,"end":692.86,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.1829648464918137},{"word":"sorta","start":692.86,"end":693.1,"confidence":0.689209,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":-0.1786644011735916},{"word":"didn't","start":693.1,"end":693.42,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.12120863050222395},{"word":"wanna","start":693.42,"end":693.66003,"confidence":0.9873047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.16519758105278015},{"word":"keep","start":693.66003,"end":693.82,"confidence":0.9604492,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.23403775691986084},{"word":"paying","start":693.82,"end":694.06,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.1840160936117172},{"word":"for","start":694.06,"end":694.22003,"confidence":0.9863281,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1650976538658142},{"word":"that","start":694.22003,"end":694.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15037813782691956},{"word":"any","start":694.38,"end":694.62,"confidence":0.9941406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.14779964089393616},{"word":"longer","start":694.62,"end":695.12,"confidence":0.9970703,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":-0.1154470145702362},{"word":"with","start":696.065,"end":696.385,"confidence":0.9921875,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.08187868446111679},{"word":"the","start":696.385,"end":696.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09281425923109056},{"word":"licensed","start":696.625,"end":697.125,"confidence":0.38916016,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.09339896589517592},{"word":"epd","start":697.185,"end":697.66504,"confidence":0.7121582,"punctuated_word":"EPD","sentiment":"neutral","sentiment_score":0.1416465938091278},{"word":"benefit","start":697.66504,"end":698.145,"confidence":0.99316406,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1242683157324791},{"word":"you","start":698.145,"end":698.305,"confidence":0.8330078,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13224723935127258},{"word":"still","start":698.305,"end":698.54504,"confidence":0.99316406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11176803708076476},{"word":"have","start":698.54504,"end":698.865,"confidence":0.99560547,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.14259381592273712},{"word":"it","start":698.865,"end":699.025,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1990838646888733},{"word":"does","start":699.025,"end":699.265,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.19208355247974396},{"word":"give","start":699.265,"end":699.425,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1334935873746872},{"word":"you","start":699.425,"end":699.66504,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12892736494541168},{"word":"a","start":699.66504,"end":699.825,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12151114642620088},{"word":"benefit","start":699.825,"end":700.22504,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1117916777729988},{"word":"or","start":700.22504,"end":700.385,"confidence":0.7988281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10602489113807678},{"word":"your","start":700.385,"end":700.705,"confidence":0.61865234,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08715011179447174},{"word":"your","start":700.705,"end":700.78503,"confidence":0.90771484,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07750140130519867},{"word":"sorry","start":701.34503,"end":701.825,"confidence":0.982666,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.058978885412216187},{"word":"the","start":701.825,"end":702.065,"confidence":0.99609375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07928919047117233},{"word":"benefit","start":702.065,"end":702.385,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.09266906976699828},{"word":"you're","start":702.385,"end":702.54504,"confidence":0.9902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09364503622055054},{"word":"covered","start":702.54504,"end":702.865,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.09931203722953796},{"word":"for","start":702.865,"end":703.10504,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1212782859802246},{"word":"is","start":703.10504,"end":703.265,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10622932761907578},{"word":"a","start":703.265,"end":703.425,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1200149804353714},{"word":"million","start":703.425,"end":703.825,"confidence":0.99902344,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.14473263919353485},{"word":"and","start":703.825,"end":704.065,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10745524615049362},{"word":"62","start":704.065,"end":704.78503,"confidence":0.9975586,"punctuated_word":"62","sentiment":"neutral","sentiment_score":0.12851399183273315},{"word":"and","start":704.78503,"end":705.025,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10999785363674164},{"word":"810","start":705.025,"end":705.905,"confidence":0.9493408,"punctuated_word":"810.","sentiment":"neutral","sentiment_score":0.11757761240005492},{"word":"so","start":705.905,"end":706.065,"confidence":0.9013672,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1635945737361908},{"word":"it","start":706.065,"end":706.22504,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1930978298187256},{"word":"has","start":706.22504,"end":706.385,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.14260555803775787},{"word":"gone","start":706.385,"end":706.625,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.21871957182884216},{"word":"up","start":706.625,"end":706.78503,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17191189527511597},{"word":"a","start":706.78503,"end":706.865,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14136838912963867},{"word":"little","start":706.865,"end":707.025,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14015203714370728},{"word":"bit","start":707.025,"end":707.185,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14896035194396973},{"word":"from","start":707.185,"end":707.425,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1461924910545349},{"word":"last","start":707.425,"end":707.66504,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.12755949795246124},{"word":"year","start":707.66504,"end":708.16504,"confidence":0.9995117,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.12157546728849412},{"word":"you","start":708.865,"end":709.365,"confidence":0.50634766,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06449337303638458},{"word":"premium","start":710.27997,"end":710.51996,"confidence":0.9819336,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.08833283185958862},{"word":"was","start":710.51996,"end":711.01996,"confidence":0.9716797,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07800787687301636},{"word":"you","start":711.24,"end":711.39996,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0747491642832756},{"word":"paid","start":711.39996,"end":711.72,"confidence":0.9970703,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.06449921429157257},{"word":"about","start":711.72,"end":712.04,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06927028298377991},{"word":"1,177","start":712.04,"end":713.72,"confidence":0.9988281,"punctuated_word":"1,177","sentiment":"neutral","sentiment_score":0.09612227231264114},{"word":"this","start":713.72,"end":713.95996,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10126128792762756},{"word":"year","start":713.95996,"end":714.19995,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.07959946990013123},{"word":"for","start":714.19995,"end":714.36,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08785058557987213},{"word":"that","start":714.36,"end":714.6,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10050883889198305},{"word":"one","start":714.6,"end":715.1,"confidence":0.9980469,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.07317782938480377},{"word":"thinking","start":715.32,"end":715.8,"confidence":0.99902344,"punctuated_word":"Thinking","sentiment":"neutral","sentiment_score":0.09291066229343414},{"word":"about","start":715.8,"end":716.12,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08680450171232224},{"word":"sort","start":716.12,"end":716.36,"confidence":0.9472656,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12519776821136477},{"word":"of","start":716.36,"end":716.51996,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1569456160068512},{"word":"the","start":716.51996,"end":716.68,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16075150668621063},{"word":"life","start":716.68,"end":716.83997,"confidence":0.9223633,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.189873605966568},{"word":"and","start":716.83997,"end":717.07996,"confidence":0.9589844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20336443185806272},{"word":"cbd","start":717.07996,"end":717.57996,"confidence":0.42700195,"punctuated_word":"CBD","sentiment":"neutral","sentiment_score":0.16718590259552002},{"word":"benefit","start":717.63995,"end":718.04,"confidence":0.97802734,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.149989053606987},{"word":"that","start":718.04,"end":718.12,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14289186894893646},{"word":"you're","start":718.12,"end":718.36,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11936739087104796},{"word":"covered","start":718.36,"end":718.68,"confidence":0.9980469,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.13532182574272156},{"word":"for","start":718.68,"end":718.92,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16743451356887817},{"word":"at","start":718.92,"end":719.0,"confidence":0.96875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10026794672012328},{"word":"the","start":719.0,"end":719.16,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09600834548473358},{"word":"moment","start":719.16,"end":719.48,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.12047943472862244},{"word":"with","start":719.48,"end":719.72,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12292931228876114},{"word":"one","start":719.72,"end":719.95996,"confidence":0.47631836,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08633924275636673},{"word":"pass","start":719.95996,"end":720.27997,"confidence":0.7636719,"punctuated_word":"pass,","sentiment":"neutral","sentiment_score":0.1044875979423523},{"word":"are","start":720.27997,"end":720.44,"confidence":0.47680664,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07653293758630753},{"word":"you","start":720.44,"end":720.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09798533469438551},{"word":"fairly","start":720.6,"end":721.0,"confidence":0.98291016,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.13528423011302948},{"word":"happy","start":721.0,"end":721.32,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.09490390866994858},{"word":"with","start":721.32,"end":721.48,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09929751604795456},{"word":"that","start":721.48,"end":721.63995,"confidence":0.9980469,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.10749630630016328},{"word":"did","start":721.63995,"end":721.88,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.007176123559474945},{"word":"you","start":721.88,"end":722.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03881087154150009},{"word":"wanna","start":722.04,"end":722.27997,"confidence":0.98291016,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06276845932006836},{"word":"kind","start":722.27997,"end":722.51996,"confidence":0.97265625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.029526464641094208},{"word":"of","start":722.51996,"end":722.68,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05832448601722717},{"word":"look","start":722.68,"end":722.83997,"confidence":0.99316406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.035715166479349136},{"word":"at","start":722.83997,"end":723.0,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.032127656042575836},{"word":"altering","start":723.0,"end":723.39996,"confidence":0.80322266,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.08093257248401642},{"word":"that","start":723.39996,"end":723.56,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07127190381288528},{"word":"in","start":723.56,"end":723.63995,"confidence":0.90625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06260944902896881},{"word":"any","start":723.63995,"end":723.88,"confidence":0.91015625,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08009757846593857},{"word":"way","start":723.88,"end":724.12,"confidence":0.9213867,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.04961000382900238},{"word":"shape","start":724.12,"end":724.36,"confidence":0.97314453,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.06222587823867798},{"word":"or","start":724.36,"end":724.51996,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.052236925810575485},{"word":"form","start":724.51996,"end":725.01996,"confidence":0.99853516,"punctuated_word":"form?","sentiment":"neutral","sentiment_score":0.057178523391485214},{"word":"no","start":735.385,"end":735.545,"confidence":0.98657227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15212416648864746},{"word":"you're","start":735.545,"end":735.865,"confidence":0.9946289,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.14176830649375916},{"word":"alright","start":735.865,"end":736.265,"confidence":0.8161621,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.11681877076625824},{"word":"i","start":736.265,"end":736.425,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19803747534751892},{"word":"wouldn't","start":736.425,"end":736.745,"confidence":0.99365234,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.10850328207015993},{"word":"sort","start":736.745,"end":736.985,"confidence":0.96875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.14096665382385254},{"word":"of","start":736.985,"end":737.305,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14256401360034943},{"word":"honestly","start":737.625,"end":738.105,"confidence":0.9692383,"punctuated_word":"honestly,","sentiment":"neutral","sentiment_score":-0.1643056869506836},{"word":"one","start":738.105,"end":738.345,"confidence":0.9770508,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.14897461235523224},{"word":"pass","start":738.345,"end":738.58496,"confidence":0.41003418,"punctuated_word":"pass,","sentiment":"neutral","sentiment_score":-0.11454300582408904},{"word":"and","start":738.58496,"end":738.825,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12311650812625884},{"word":"the","start":738.825,"end":738.985,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12300979346036912},{"word":"amount","start":738.985,"end":739.225,"confidence":0.9863281,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.046127885580062866},{"word":"you're","start":739.225,"end":739.44,"confidence":0.935791,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.08171223104000092},{"word":"paying","start":739.44,"end":739.68,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.07853421568870544},{"word":"for","start":739.68,"end":739.92,"confidence":0.9013672,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05062500387430191},{"word":"these","start":739.92,"end":740.24,"confidence":0.89453125,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.06303960084915161},{"word":"is","start":740.24,"end":740.48,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1182800829410553},{"word":"the","start":740.48,"end":740.64,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14886999130249023},{"word":"cheapest","start":740.64,"end":741.12,"confidence":1.0,"punctuated_word":"cheapest","sentiment":"neutral","sentiment_score":-0.0736934095621109},{"word":"you'll","start":741.12,"end":741.28,"confidence":0.9785156,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.053441375494003296},{"word":"get","start":741.28,"end":741.44,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03770346939563751},{"word":"for","start":741.44,"end":741.6,"confidence":0.90771484,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.024971075356006622},{"word":"the","start":741.6,"end":741.76,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12362352758646011},{"word":"type","start":741.76,"end":742.0,"confidence":0.99609375,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.07623189687728882},{"word":"of","start":742.0,"end":742.08,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0921524465084076},{"word":"cover","start":742.08,"end":742.4,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.029221579432487488},{"word":"that","start":742.4,"end":742.56,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04451543092727661},{"word":"you've","start":742.56,"end":742.8,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.0396333672106266},{"word":"got","start":742.8,"end":743.3,"confidence":0.9975586,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":-0.06445986032485962},{"word":"it's","start":743.6,"end":743.76,"confidence":0.9128418,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.005930863320827484},{"word":"more","start":743.76,"end":743.92,"confidence":0.9902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.00499764084815979},{"word":"just","start":743.92,"end":744.16,"confidence":0.8852539,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004069846123456955},{"word":"about","start":744.16,"end":744.24,"confidence":0.68847656,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.011549891903996468},{"word":"whether","start":744.24,"end":744.48,"confidence":0.9873047,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.0008402634412050247},{"word":"you","start":744.48,"end":744.64,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010365797206759453},{"word":"kinda","start":744.64,"end":744.88,"confidence":0.55371094,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.007240313105285168},{"word":"wanted","start":744.88,"end":745.2,"confidence":0.91259766,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.02819628454744816},{"word":"to","start":745.2,"end":745.36,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.024208080023527145},{"word":"increase","start":745.36,"end":745.76,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.021789008751511577},{"word":"or","start":745.76,"end":746.0,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.034368354827165604},{"word":"decrease","start":746.0,"end":746.4,"confidence":0.99902344,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.03798320516943931},{"word":"it","start":746.4,"end":746.64,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.014913935214281082},{"word":"at","start":746.64,"end":746.8,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.013662934303283691},{"word":"all","start":746.8,"end":747.3,"confidence":0.99853516,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.008559850975871086},{"word":"realistically","start":748.08,"end":748.58,"confidence":0.99576825,"punctuated_word":"Realistically,","sentiment":"positive","sentiment_score":0.3800875246524811},{"word":"the","start":748.8,"end":748.96,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6654861569404602},{"word":"premium","start":748.96,"end":749.44,"confidence":1.0,"punctuated_word":"premium","sentiment":"positive","sentiment_score":0.5112221837043762},{"word":"you're","start":749.44,"end":749.68,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6694843173027039},{"word":"paying","start":749.68,"end":750.18,"confidence":1.0,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.5993629097938538},{"word":"is","start":751.28,"end":751.44,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7324461340904236},{"word":"actually","start":751.44,"end":751.84,"confidence":0.97314453,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.7566499710083008},{"word":"very","start":751.84,"end":752.08,"confidence":0.9362793,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.7286670207977295},{"word":"very","start":752.08,"end":752.24,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7873432636260986},{"word":"good","start":752.24,"end":752.56,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7181713581085205},{"word":"for","start":752.56,"end":752.72003,"confidence":0.93847656,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5862151384353638},{"word":"the","start":752.72003,"end":752.8,"confidence":0.9160156,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.626771092414856},{"word":"level","start":752.8,"end":753.04,"confidence":1.0,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.6064589023590088},{"word":"of","start":753.04,"end":753.12,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6017144322395325},{"word":"cover","start":753.12,"end":753.44,"confidence":0.98095703,"punctuated_word":"cover","sentiment":"positive","sentiment_score":0.6561004519462585},{"word":"you've","start":753.44,"end":753.6,"confidence":0.99316406,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.7043821811676025},{"word":"got","start":753.6,"end":753.84,"confidence":0.99902344,"punctuated_word":"got.","sentiment":"positive","sentiment_score":0.5383457541465759},{"word":"i've","start":753.84,"end":754.08,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.3020305633544922},{"word":"seen","start":754.08,"end":754.4,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.14675858616828918},{"word":"people","start":754.4,"end":754.72003,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.1609412282705307},{"word":"who","start":754.72003,"end":754.96,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.08371201157569885},{"word":"have","start":754.96,"end":755.415,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04739721119403839},{"word":"less","start":755.735,"end":755.89496,"confidence":0.9873047,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.0032816603779792786},{"word":"cover","start":755.89496,"end":756.39496,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.004880048334598541},{"word":"pay","start":756.535,"end":756.77496,"confidence":0.8647461,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.004788696765899658},{"word":"a","start":756.77496,"end":756.935,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016090400516986847},{"word":"lot","start":756.935,"end":757.095,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.003152810037136078},{"word":"more","start":757.095,"end":757.33496,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.018024221062660217},{"word":"for","start":757.33496,"end":757.735,"confidence":0.9472656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04788210242986679},{"word":"for","start":757.735,"end":758.055,"confidence":0.96972656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08239959180355072},{"word":"premiums","start":758.055,"end":758.555,"confidence":0.7438965,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":0.1051407754421234},{"word":"so","start":758.615,"end":758.77496,"confidence":0.7055664,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12421788275241852},{"word":"one","start":758.77496,"end":759.01495,"confidence":0.68652344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13989439606666565},{"word":"path","start":759.01495,"end":759.255,"confidence":0.46118164,"punctuated_word":"path","sentiment":"neutral","sentiment_score":0.16619165241718292},{"word":"is","start":759.255,"end":759.415,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16550156474113464},{"word":"definitely","start":759.415,"end":759.735,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.48477059602737427},{"word":"the","start":759.735,"end":759.815,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3653970658779144},{"word":"most","start":759.815,"end":760.13495,"confidence":1.0,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.3925857841968536},{"word":"competitive","start":760.13495,"end":760.615,"confidence":0.9819336,"punctuated_word":"competitive","sentiment":"positive","sentiment_score":0.4086399674415589},{"word":"premium","start":760.615,"end":761.01495,"confidence":0.9951172,"punctuated_word":"premium","sentiment":"positive","sentiment_score":0.48975497484207153},{"word":"wise","start":761.01495,"end":761.33496,"confidence":0.88720703,"punctuated_word":"wise","sentiment":"positive","sentiment_score":0.5545058250427246},{"word":"out","start":761.33496,"end":761.57495,"confidence":0.9970703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.456461101770401},{"word":"there","start":761.57495,"end":762.07495,"confidence":0.82128906,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.4430784583091736},{"word":"especially","start":762.535,"end":762.935,"confidence":0.6459961,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.26950323581695557},{"word":"then","start":762.935,"end":763.175,"confidence":0.63623047,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07764483243227005},{"word":"if","start":763.175,"end":763.255,"confidence":0.890625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09438936412334442},{"word":"you've","start":763.255,"end":763.495,"confidence":0.9941406,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07479988783597946},{"word":"got","start":763.495,"end":763.65497,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0394468829035759},{"word":"an","start":763.65497,"end":763.815,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.034267500042915344},{"word":"older","start":763.815,"end":764.13495,"confidence":0.9980469,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.02356237918138504},{"word":"policy","start":764.13495,"end":764.63495,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.05384662747383118},{"word":"too","start":764.695,"end":764.935,"confidence":0.8786621,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.03869064524769783},{"word":"any","start":764.935,"end":765.255,"confidence":0.99902344,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.041231416165828705},{"word":"newer","start":765.255,"end":765.57495,"confidence":0.99609375,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":-0.05166168510913849},{"word":"policies","start":765.57495,"end":766.07495,"confidence":0.9980469,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":-0.018045753240585327},{"word":"would","start":766.695,"end":766.935,"confidence":0.9790039,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.060061439871788025},{"word":"definitely","start":766.935,"end":767.33496,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.10680189728736876},{"word":"cost","start":767.33496,"end":767.65497,"confidence":0.99609375,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.001047581434249878},{"word":"a","start":767.65497,"end":767.815,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05155974626541138},{"word":"little","start":767.815,"end":767.975,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.05131746083498001},{"word":"bit","start":767.975,"end":768.21497,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08180690556764603},{"word":"more","start":768.21497,"end":768.45496,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03316640853881836},{"word":"with","start":768.45496,"end":768.615,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.022897444665431976},{"word":"the","start":768.615,"end":769.02,"confidence":0.9013672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0873560905456543},{"word":"the","start":769.34,"end":769.5,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06470052897930145},{"word":"changes","start":769.5,"end":769.98004,"confidence":0.9980469,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.038041505962610245},{"word":"that","start":769.98004,"end":770.14,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06412557512521744},{"word":"come","start":770.14,"end":770.30005,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.07162073999643326},{"word":"in","start":770.30005,"end":770.54004,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07180237025022507},{"word":"every","start":770.54004,"end":770.7,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.06495140492916107},{"word":"year","start":770.7,"end":771.02,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0431131012737751},{"word":"to","start":771.02,"end":771.18,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025411125272512436},{"word":"the","start":771.18,"end":771.34,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04988980665802955},{"word":"insurance","start":771.34,"end":771.82,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.047278232872486115},{"word":"companies","start":771.82,"end":772.32,"confidence":0.91552734,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.0034021958708763123},{"word":"so","start":772.38,"end":772.62,"confidence":0.9658203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005406603217124939},{"word":"i","start":772.62,"end":772.78,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00005554407835006714},{"word":"wouldn't","start":772.78,"end":773.02,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.006506151519715786},{"word":"wanna","start":773.02,"end":773.26,"confidence":0.93408203,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0006178990006446838},{"word":"sort","start":773.26,"end":773.5,"confidence":0.9790039,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.000951625406742096},{"word":"of","start":773.5,"end":773.74,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00033697858452796936},{"word":"just","start":773.74,"end":773.98004,"confidence":0.97802734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.009442146867513657},{"word":"change","start":773.98004,"end":774.30005,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.003406129777431488},{"word":"the","start":774.30005,"end":774.54004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006780907511711121},{"word":"cover","start":774.54004,"end":774.86005,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.016246795654296875},{"word":"if","start":774.86005,"end":775.02,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.010017739608883858},{"word":"you","start":775.02,"end":775.18,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005221538245677948},{"word":"are","start":775.18,"end":775.42004,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0019579902291297913},{"word":"comfortable","start":775.42004,"end":775.92004,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.008726269006729126},{"word":"with","start":775.98004,"end":776.46,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02577643096446991},{"word":"the","start":776.46,"end":776.62,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04594620689749718},{"word":"amount","start":776.62,"end":776.94,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.019793055951595303},{"word":"of","start":776.94,"end":777.02,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015204031020402908},{"word":"cover","start":777.02,"end":777.42004,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0020574405789375305},{"word":"you","start":777.42004,"end":777.58,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016987066715955734},{"word":"have","start":777.58,"end":777.98004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02006613463163376},{"word":"just","start":777.98004,"end":778.22003,"confidence":0.9326172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.019974123686552048},{"word":"because","start":778.22003,"end":778.38,"confidence":0.9921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04372040182352066},{"word":"it","start":778.38,"end":778.62,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03182803839445114},{"word":"would","start":778.62,"end":778.94,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08713176846504211},{"word":"increase","start":778.94,"end":779.34,"confidence":0.9980469,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.04813087731599808},{"word":"the","start":779.34,"end":779.5,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04194219037890434},{"word":"cost","start":779.5,"end":779.82,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.006312407553195953},{"word":"of","start":779.82,"end":779.98004,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00020506232976913452},{"word":"it","start":779.98004,"end":780.48004,"confidence":0.97094727,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.012031715363264084},{"word":"but","start":780.62,"end":781.035,"confidence":0.94140625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03316010534763336},{"word":"did","start":781.27496,"end":781.435,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.015118058770895004},{"word":"you","start":781.435,"end":781.51495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03207017481327057},{"word":"wanna","start":781.51495,"end":781.995,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.043646782636642456},{"word":"reevaluate","start":781.995,"end":782.495,"confidence":0.9980469,"punctuated_word":"reevaluate","sentiment":"neutral","sentiment_score":0.016498640179634094},{"word":"the","start":782.71497,"end":782.875,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01975664868950844},{"word":"level","start":782.875,"end":783.115,"confidence":0.97802734,"punctuated_word":"level?","sentiment":"neutral","sentiment_score":0.01882901042699814},{"word":"are","start":783.115,"end":783.27496,"confidence":0.9482422,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.004442371428012848},{"word":"you","start":783.27496,"end":783.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010319873690605164},{"word":"happy","start":783.435,"end":783.675,"confidence":0.9951172,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.04573886841535568},{"word":"with","start":783.675,"end":783.915,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07048241794109344},{"word":"the","start":783.915,"end":784.15497,"confidence":0.88378906,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.06409486383199692},{"word":"you","start":784.15497,"end":784.235,"confidence":0.7104492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02627677097916603},{"word":"know","start":784.235,"end":784.39496,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04275196045637131},{"word":"a","start":784.39496,"end":784.555,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1075933873653412},{"word":"million","start":784.555,"end":784.95496,"confidence":0.9980469,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.09912186861038208},{"word":"and","start":784.95496,"end":785.115,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08287952095270157},{"word":"62","start":785.115,"end":785.595,"confidence":0.9975586,"punctuated_word":"62","sentiment":"neutral","sentiment_score":0.11191155016422272},{"word":"that","start":785.595,"end":785.83496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07619320601224899},{"word":"you've","start":785.83496,"end":786.07495,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07495911419391632},{"word":"got","start":786.07495,"end":786.57495,"confidence":0.99902344,"punctuated_word":"got?","sentiment":"neutral","sentiment_score":0.06496450304985046},{"word":"yes","start":788.875,"end":789.375,"confidence":0.82788086,"punctuated_word":"Yes?","sentiment":"neutral","sentiment_score":0.16677981615066528},{"word":"excellent","start":789.995,"end":790.495,"confidence":0.9904785,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4556344151496887},{"word":"all","start":790.63495,"end":790.875,"confidence":0.94384766,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4454033374786377},{"word":"good","start":790.875,"end":791.375,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.37110328674316406},{"word":"i","start":791.675,"end":791.75494,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01553116738796234},{"word":"can","start":791.75494,"end":791.995,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.039390239864587784},{"word":"see","start":791.995,"end":792.15497,"confidence":0.87841797,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.06979280710220337},{"word":"here","start":792.15497,"end":792.315,"confidence":0.9394531,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.11316285282373428},{"word":"with","start":792.315,"end":792.63495,"confidence":0.81933594,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1473337560892105},{"word":"you","start":792.63495,"end":793.08,"confidence":0.9733887,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.059670887887477875},{"word":"no","start":793.96,"end":794.28,"confidence":0.86328125,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09370510280132294},{"word":"no","start":794.28,"end":794.76,"confidence":0.9301758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09596694260835648},{"word":"well","start":794.76,"end":795.0,"confidence":0.99072266,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.0911511406302452},{"word":"the","start":795.0,"end":795.24,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14508730173110962},{"word":"cbd","start":795.24,"end":795.74,"confidence":0.50390625,"punctuated_word":"CBD","sentiment":"neutral","sentiment_score":-0.0988791212439537},{"word":"is","start":795.8,"end":796.2,"confidence":0.77734375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07331778109073639},{"word":"probably","start":796.2,"end":796.52,"confidence":0.8364258,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07474900782108307},{"word":"more","start":796.52,"end":796.84,"confidence":0.9291992,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.05583613365888595},{"word":"you","start":796.84,"end":797.34,"confidence":0.95825195,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.05451182648539543},{"word":"yes","start":802.60004,"end":803.10004,"confidence":0.65063477,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.009458242915570736},{"word":"no","start":803.72003,"end":803.88,"confidence":0.9765625,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02513803169131279},{"word":"no","start":803.88,"end":804.12,"confidence":0.9916992,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.020518748089671135},{"word":"you're","start":804.12,"end":804.44,"confidence":0.9926758,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.028130795806646347},{"word":"fine","start":804.44,"end":804.76,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.07802839577198029},{"word":"you","start":804.76,"end":805.0,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.19186827540397644},{"word":"are","start":805.0,"end":805.24,"confidence":0.9223633,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23425143957138064},{"word":"absolutely","start":805.24,"end":805.74,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2291342169046402},{"word":"fine","start":805.8,"end":806.055,"confidence":0.9946289,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1601094901561737},{"word":"don't","start":806.135,"end":806.295,"confidence":0.9926758,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.07158157229423523},{"word":"worry","start":806.295,"end":806.455,"confidence":0.99853516,"punctuated_word":"worry.","sentiment":"neutral","sentiment_score":0.08269170671701431},{"word":"i've","start":806.455,"end":806.535,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04968830943107605},{"word":"heard","start":806.535,"end":806.77496,"confidence":0.9902344,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.0341188982129097},{"word":"it","start":806.77496,"end":806.935,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.038554344326257706},{"word":"all","start":806.935,"end":807.255,"confidence":0.9951172,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.06186649203300476},{"word":"i've","start":807.255,"end":807.415,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06538127362728119},{"word":"got","start":807.415,"end":807.575,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.056520961225032806},{"word":"clients","start":807.575,"end":807.895,"confidence":0.9873047,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.06642333418130875},{"word":"who","start":807.895,"end":808.135,"confidence":0.9277344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.05866814777255058},{"word":"i","start":808.135,"end":808.295,"confidence":0.98291016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06451012939214706},{"word":"talk","start":808.295,"end":808.535,"confidence":0.82128906,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.058572400361299515},{"word":"about","start":808.535,"end":808.855,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05066513270139694},{"word":"life","start":808.855,"end":809.095,"confidence":0.98535156,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.07894809544086456},{"word":"with","start":809.095,"end":809.335,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05902181193232536},{"word":"and","start":809.335,"end":809.65497,"confidence":0.94921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.050013452768325806},{"word":"all","start":809.65497,"end":809.895,"confidence":0.99121094,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06438953429460526},{"word":"the","start":809.895,"end":810.055,"confidence":0.7890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04123268276453018},{"word":"bits","start":810.055,"end":810.21497,"confidence":0.9741211,"punctuated_word":"bits","sentiment":"neutral","sentiment_score":0.03583678975701332},{"word":"and","start":810.21497,"end":810.295,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04000086709856987},{"word":"pieces","start":810.295,"end":810.535,"confidence":0.6296387,"punctuated_word":"pieces,","sentiment":"neutral","sentiment_score":0.0211290642619133},{"word":"and","start":810.535,"end":810.695,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014436762779951096},{"word":"they","start":810.695,"end":810.77496,"confidence":0.98828125,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.020162053406238556},{"word":"go","start":810.77496,"end":810.935,"confidence":0.9873047,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.027988728135824203},{"word":"oh","start":810.935,"end":811.095,"confidence":0.97680664,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.024361953139305115},{"word":"it's","start":811.095,"end":811.175,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02903766930103302},{"word":"not","start":811.175,"end":811.335,"confidence":0.9819336,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.008355170488357544},{"word":"even","start":811.335,"end":811.495,"confidence":0.9350586,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.008451312780380249},{"word":"gonna","start":811.495,"end":811.65497,"confidence":0.98828125,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08617373555898666},{"word":"bother","start":811.65497,"end":811.895,"confidence":0.99902344,"punctuated_word":"bother","sentiment":"neutral","sentiment_score":-0.0966980904340744},{"word":"me","start":811.895,"end":812.055,"confidence":0.9946289,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.060489729046821594},{"word":"i","start":812.055,"end":812.135,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08534424006938934},{"word":"don't","start":812.135,"end":812.295,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0799943059682846},{"word":"even","start":812.295,"end":812.535,"confidence":0.9580078,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.06188441067934036},{"word":"care","start":812.535,"end":813.035,"confidence":0.9995117,"punctuated_word":"care.","sentiment":"neutral","sentiment_score":-0.05122662335634232},{"word":"yeah","start":816.935,"end":817.415,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11099317669868468},{"word":"i'm","start":817.415,"end":817.735,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1292019933462143},{"word":"sure","start":817.735,"end":818.055,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1340889036655426},{"word":"you","start":818.055,"end":818.21497,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14108146727085114},{"word":"do","start":818.21497,"end":818.71497,"confidence":0.97753906,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.1530710756778717},{"word":"all","start":821.0,"end":821.16,"confidence":0.88427734,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3504144251346588},{"word":"good","start":821.16,"end":821.66,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.23535805940628052},{"word":"with","start":821.88,"end":822.12,"confidence":0.8461914,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.09553544968366624},{"word":"the","start":822.12,"end":822.44,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08160341531038284},{"word":"with","start":822.44,"end":822.94,"confidence":0.609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09620746970176695},{"word":"the","start":823.16,"end":823.32,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08776091784238815},{"word":"mortgage","start":823.32,"end":823.64,"confidence":0.99316406,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.11282099038362504},{"word":"and","start":823.64,"end":823.72003,"confidence":0.43920898,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07527060061693192},{"word":"the","start":823.72003,"end":823.88,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07228204607963562},{"word":"property","start":823.88,"end":824.28,"confidence":0.9975586,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.07405266910791397},{"word":"i","start":824.28,"end":824.44,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07245273888111115},{"word":"have","start":824.44,"end":824.6,"confidence":0.8984375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06149017810821533},{"word":"it","start":824.6,"end":824.76,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06549626588821411},{"word":"noted","start":824.76,"end":825.08,"confidence":0.99902344,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.0612933523952961},{"word":"here","start":825.08,"end":825.4,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0630352571606636},{"word":"that","start":825.4,"end":825.56,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.057634856551885605},{"word":"you","start":825.56,"end":826.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04710998386144638},{"word":"have","start":826.04,"end":826.36,"confidence":0.890625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.041218459606170654},{"word":"roughly","start":826.36,"end":826.76,"confidence":0.99609375,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.03706953674554825},{"word":"about","start":826.76,"end":827.0,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04897373914718628},{"word":"a","start":827.0,"end":827.16,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05611979216337204},{"word":"100,000","start":827.16,"end":827.88,"confidence":0.9995117,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.06516170501708984},{"word":"owing","start":827.88,"end":828.2,"confidence":0.99316406,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.05368504673242569},{"word":"there","start":828.2,"end":828.44,"confidence":0.90527344,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.028828799724578857},{"word":"but","start":828.44,"end":828.6,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.031325697898864746},{"word":"you","start":828.6,"end":828.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01644137129187584},{"word":"guys","start":828.76,"end":829.08,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.030981551855802536},{"word":"have","start":829.08,"end":829.24,"confidence":0.9921875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0404387004673481},{"word":"it","start":829.24,"end":829.4,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03703238070011139},{"word":"offset","start":829.4,"end":829.88,"confidence":0.9941406,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.034581709653139114},{"word":"pretty","start":829.88,"end":830.12,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.06953171640634537},{"word":"well","start":830.12,"end":830.36,"confidence":0.89575195,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05182453989982605},{"word":"don't","start":830.36,"end":830.6,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.043485041707754135},{"word":"you","start":830.6,"end":831.1,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.034385472536087036},{"word":"yep","start":832.52,"end":833.02,"confidence":0.87158203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04861737787723541},{"word":"yep","start":836.345,"end":836.845,"confidence":0.92626953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0448983870446682},{"word":"yep","start":837.305,"end":837.805,"confidence":0.97802734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03839846700429917},{"word":"i","start":840.105,"end":840.26495,"confidence":0.96972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007180854678153992},{"word":"believe","start":840.26495,"end":840.58496,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.013435710221529009},{"word":"you","start":840.58496,"end":840.82495,"confidence":0.9550781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003482867032289505},{"word":"only","start":840.82495,"end":841.06494,"confidence":0.8076172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.005341056734323502},{"word":"sort","start":841.06494,"end":841.225,"confidence":0.8198242,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.015156745910644531},{"word":"of","start":841.225,"end":841.38495,"confidence":0.9589844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010379157960414886},{"word":"technically","start":841.38495,"end":841.865,"confidence":0.9091797,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.03459268808364868},{"word":"owe","start":841.865,"end":842.105,"confidence":0.9970703,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.018204689025878903},{"word":"about","start":842.105,"end":842.605,"confidence":0.9104004,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":-0.013224642723798752},{"word":"what","start":842.82495,"end":843.14496,"confidence":0.8623047,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":-0.025368964299559593},{"word":"2,000","start":843.14496,"end":843.70496,"confidence":0.9975586,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":-0.012988168746232986},{"word":"on","start":843.70496,"end":843.865,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.00674007460474968},{"word":"the","start":843.865,"end":844.02496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0147334523499012},{"word":"mortgage","start":844.02496,"end":844.52496,"confidence":0.8857422,"punctuated_word":"mortgage?","sentiment":"neutral","sentiment_score":-0.020817430689930916},{"word":"yes","start":845.94495,"end":846.44495,"confidence":0.7788086,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.020270202308893204},{"word":"yeah","start":851.54,"end":851.69995,"confidence":0.8088379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07293495535850525},{"word":"yeah","start":851.69995,"end":852.1,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11614446341991425},{"word":"absolutely","start":852.1,"end":852.6,"confidence":0.9550781,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.04313201457262039},{"word":"it's","start":852.74,"end":852.82,"confidence":0.7163086,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0788598507642746},{"word":"it's","start":852.82,"end":853.13995,"confidence":0.78930664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06590262800455093},{"word":"the","start":853.13995,"end":853.38,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08781906217336655},{"word":"servicing","start":853.38,"end":853.86,"confidence":0.99902344,"punctuated_word":"servicing","sentiment":"neutral","sentiment_score":0.08661288022994995},{"word":"of","start":853.86,"end":854.01996,"confidence":0.9819336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06954826414585114},{"word":"it","start":854.01996,"end":854.18,"confidence":0.9875488,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06911760568618774},{"word":"it's","start":854.18,"end":854.42,"confidence":0.9926758,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10599210113286972},{"word":"it's","start":854.42,"end":854.66,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12996095418930054},{"word":"there","start":854.66,"end":854.89996,"confidence":0.9814453,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11430364847183228},{"word":"you've","start":854.89996,"end":855.06,"confidence":0.99365234,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.10072135925292967},{"word":"got","start":855.06,"end":855.22,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10296956449747086},{"word":"the","start":855.22,"end":855.3,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09422557801008224},{"word":"money","start":855.3,"end":855.62,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1113564595580101},{"word":"if","start":855.62,"end":855.77997,"confidence":0.97314453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10575591772794724},{"word":"you","start":855.77997,"end":855.94,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08272072672843933},{"word":"need","start":855.94,"end":856.1,"confidence":0.85253906,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09817688912153244},{"word":"it","start":856.1,"end":856.18,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10262211412191392},{"word":"in","start":856.18,"end":856.33997,"confidence":0.9550781,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07436110824346542},{"word":"case","start":856.33997,"end":856.57996,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.07484229654073715},{"word":"something","start":856.57996,"end":856.98,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.07454317063093185},{"word":"comes","start":856.98,"end":857.13995,"confidence":0.9980469,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.09363586455583572},{"word":"out","start":857.13995,"end":857.38,"confidence":0.96435547,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1540478616952896},{"word":"without","start":857.38,"end":857.69995,"confidence":0.99902344,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.09330462664365768},{"word":"having","start":857.69995,"end":858.01996,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.09037452191114426},{"word":"to","start":858.01996,"end":858.1,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09312429279088974},{"word":"go","start":858.1,"end":858.25995,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06947408616542816},{"word":"back","start":858.25995,"end":858.42,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09426221996545792},{"word":"to","start":858.42,"end":858.66,"confidence":0.9580078,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09404682368040083},{"word":"the","start":858.66,"end":858.74,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.106242373585701},{"word":"rigmarole","start":858.74,"end":859.24,"confidence":0.8117676,"punctuated_word":"rigmarole","sentiment":"neutral","sentiment_score":0.11176388710737228},{"word":"of","start":859.3,"end":859.38,"confidence":0.48217773,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11598317325115204},{"word":"servicing","start":859.38,"end":859.86,"confidence":0.9980469,"punctuated_word":"servicing","sentiment":"neutral","sentiment_score":0.06431872397661209},{"word":"again","start":859.86,"end":860.25995,"confidence":0.9980469,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.1275188773870468},{"word":"i","start":860.25995,"end":860.33997,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18795406818389893},{"word":"get","start":860.33997,"end":860.57996,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16567346453666687},{"word":"it","start":860.57996,"end":861.07996,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.15360930562019348},{"word":"fantastic","start":862.73505,"end":863.23505,"confidence":0.9875488,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6994415521621704},{"word":"with","start":864.09503,"end":864.335,"confidence":0.734375,"punctuated_word":"With","sentiment":"positive","sentiment_score":0.3650338649749756},{"word":"the","start":864.335,"end":864.495,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34533417224884033},{"word":"property","start":864.495,"end":864.97504,"confidence":1.0,"punctuated_word":"property","sentiment":"positive","sentiment_score":0.35351836681365967},{"word":"there","start":864.97504,"end":865.29504,"confidence":0.99121094,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.29032009840011597},{"word":"i've","start":865.29504,"end":865.455,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.20394709706306455},{"word":"got","start":865.455,"end":865.61505,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1808113157749176},{"word":"a","start":865.61505,"end":865.93506,"confidence":0.7866211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20998553931713104},{"word":"an","start":866.255,"end":866.495,"confidence":0.9921875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1904803067445755},{"word":"estimated","start":866.495,"end":866.995,"confidence":0.99902344,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.225727841258049},{"word":"asset","start":867.29504,"end":867.61505,"confidence":0.94384766,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.17688769102096558},{"word":"value","start":867.61505,"end":867.935,"confidence":0.80322266,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.1305837333202362},{"word":"of","start":867.935,"end":868.09503,"confidence":0.5966797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1974797248840332},{"word":"that","start":868.09503,"end":868.335,"confidence":0.63720703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22311177849769592},{"word":"1,200,000","start":868.335,"end":869.375,"confidence":0.99694824,"punctuated_word":"1,200,000.","sentiment":"neutral","sentiment_score":0.15200108289718628},{"word":"would","start":869.375,"end":869.61505,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.07256406545639038},{"word":"you","start":869.61505,"end":869.85504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1125061884522438},{"word":"alter","start":869.85504,"end":870.17505,"confidence":0.9941406,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.08627800643444061},{"word":"or","start":870.17505,"end":870.335,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07396639138460159},{"word":"change","start":870.335,"end":870.655,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.09774012118577956},{"word":"that","start":870.655,"end":870.97504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14639894664287567},{"word":"at","start":870.97504,"end":871.135,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0710773915052414},{"word":"all","start":871.135,"end":871.635,"confidence":0.99658203,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.09834754467010498},{"word":"about","start":873.695,"end":874.015,"confidence":0.43945312,"punctuated_word":"About","sentiment":"neutral","sentiment_score":-0.012822620570659636},{"word":"that","start":874.015,"end":874.335,"confidence":0.64001465,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.05270979925990105},{"word":"perfect","start":874.335,"end":874.835,"confidence":0.9941406,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29684221744537354},{"word":"i've","start":875.69,"end":875.85,"confidence":0.9453125,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08412419259548187},{"word":"also","start":875.85,"end":876.17,"confidence":0.99121094,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07386573404073715},{"word":"got","start":876.17,"end":876.49,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04461505264043808},{"word":"the","start":876.49,"end":876.65,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046125635504722595},{"word":"ford","start":876.65,"end":876.97003,"confidence":0.99902344,"punctuated_word":"Ford","sentiment":"neutral","sentiment_score":0.05899203196167946},{"word":"ranger","start":876.97003,"end":877.47003,"confidence":0.9902344,"punctuated_word":"Ranger","sentiment":"neutral","sentiment_score":0.05975634977221489},{"word":"asset","start":878.01,"end":878.33,"confidence":0.7294922,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.05696747079491615},{"word":"value","start":878.33,"end":878.81,"confidence":0.99121094,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.053165048360824585},{"word":"65,000","start":878.81,"end":879.95,"confidence":0.8574219,"punctuated_word":"65,000.","sentiment":"neutral","sentiment_score":0.048035673797130585},{"word":"that's","start":883.77,"end":884.09,"confidence":0.9707031,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05397655814886093},{"word":"okay","start":884.09,"end":884.59,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0376468300819397},{"word":"you're","start":886.17,"end":886.49,"confidence":0.9760742,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.10647841542959212},{"word":"right","start":886.49,"end":886.81,"confidence":0.9807129,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.16880817711353302},{"word":"all","start":886.81,"end":887.13,"confidence":0.99316406,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3861803412437439},{"word":"good","start":887.13,"end":887.37,"confidence":0.99658203,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.26861509680747986},{"word":"and","start":887.37,"end":887.53,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03881893306970596},{"word":"then","start":887.53,"end":887.77,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.046473704278469086},{"word":"the","start":887.77,"end":888.01,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060131605714559555},{"word":"mazda","start":888.01,"end":888.49,"confidence":0.9980469,"punctuated_word":"Mazda","sentiment":"neutral","sentiment_score":0.05287623032927513},{"word":"three","start":888.49,"end":888.73,"confidence":0.9873047,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.04229523986577988},{"word":"with","start":888.73,"end":888.89,"confidence":0.8540039,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.028868168592453003},{"word":"an","start":888.89,"end":889.05,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.029075950384140015},{"word":"asset","start":889.05,"end":889.37,"confidence":0.99902344,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.034448448568582535},{"word":"value","start":889.37,"end":889.77,"confidence":0.99902344,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.030536498874425888},{"word":"roughly","start":889.77,"end":890.17,"confidence":0.89746094,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.03710967302322388},{"word":"of","start":890.17,"end":890.33,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04624362289905548},{"word":"2,000","start":890.33,"end":891.245,"confidence":0.9473877,"punctuated_word":"2,000.","sentiment":"neutral","sentiment_score":0.02990788966417313},{"word":"all","start":896.345,"end":896.665,"confidence":0.5839844,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.12282627820968628},{"word":"good","start":896.665,"end":897.165,"confidence":0.8208008,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.23735982179641724},{"word":"no","start":899.945,"end":900.185,"confidence":0.8059082,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.011558383703231812},{"word":"is","start":900.185,"end":900.345,"confidence":0.90722656,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.010227791033685207},{"word":"it","start":900.345,"end":900.505,"confidence":0.9633789,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.001659724861383438},{"word":"the","start":900.505,"end":900.665,"confidence":0.7739258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01622847281396389},{"word":"one","start":900.665,"end":900.90497,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.029109252616763115},{"word":"you","start":900.90497,"end":901.065,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01932171545922756},{"word":"drive","start":901.065,"end":901.385,"confidence":0.99609375,"punctuated_word":"drive","sentiment":"neutral","sentiment_score":0.0036743320524692535},{"word":"to","start":901.385,"end":901.46497,"confidence":0.94384766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009835945442318916},{"word":"work","start":901.46497,"end":901.705,"confidence":0.810791,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":-0.006599728018045425},{"word":"i","start":901.705,"end":901.785,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005587814375758171},{"word":"believe","start":901.785,"end":902.105,"confidence":0.9970703,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.009825078770518305},{"word":"it","start":902.105,"end":902.425,"confidence":0.2290039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0004555042833089829},{"word":"says","start":902.425,"end":902.745,"confidence":0.3269043,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.0017591677606105804},{"word":"it's","start":902.745,"end":902.90497,"confidence":0.9584961,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0028115108143538237},{"word":"the","start":902.90497,"end":902.985,"confidence":0.8774414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00386822409927845},{"word":"one","start":902.985,"end":903.225,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.004167567938566208},{"word":"you","start":903.225,"end":903.385,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010988660156726835},{"word":"guys","start":903.385,"end":903.545,"confidence":0.9741211,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.006372462958097458},{"word":"you","start":903.625,"end":903.785,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006759714335203171},{"word":"drive","start":903.785,"end":904.185,"confidence":0.8339844,"punctuated_word":"drive.","sentiment":"neutral","sentiment_score":0.006532731465995312},{"word":"yeah","start":904.185,"end":904.685,"confidence":0.8251953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020811308175325394},{"word":"no","start":905.945,"end":906.445,"confidence":0.8811035,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0011362843215465546},{"word":"nice","start":908.24,"end":908.39996,"confidence":0.9926758,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.36534255743026733},{"word":"nice","start":908.39996,"end":908.89996,"confidence":0.9951172,"punctuated_word":"Nice.","sentiment":"neutral","sentiment_score":0.2844444513320923},{"word":"and","start":909.27997,"end":909.51996,"confidence":0.9013672,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11981693655252457},{"word":"then","start":909.51996,"end":909.68,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0999028906226158},{"word":"you've","start":909.68,"end":909.92,"confidence":0.93237305,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07272350788116455},{"word":"still","start":909.92,"end":910.07996,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06853906065225601},{"word":"got","start":910.07996,"end":910.24,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0748753622174263},{"word":"the","start":910.24,"end":910.48,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08129623532295227},{"word":"caravan","start":910.48,"end":910.98,"confidence":0.8408203,"punctuated_word":"caravan","sentiment":"neutral","sentiment_score":0.0935998111963272},{"word":"there","start":911.04,"end":911.27997,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09075254946947098},{"word":"as","start":911.27997,"end":911.36,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07519939541816711},{"word":"well","start":911.36,"end":911.76,"confidence":0.8503418,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.07324573397636414},{"word":"roughly","start":911.76,"end":912.07996,"confidence":1.0,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.07211162149906158},{"word":"valued","start":912.07996,"end":912.48,"confidence":0.99609375,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.08231405168771744},{"word":"at","start":912.48,"end":912.63995,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.056508660316467285},{"word":"95,000","start":912.63995,"end":913.62,"confidence":0.9436849,"punctuated_word":"95,000.","sentiment":"neutral","sentiment_score":0.0478690080344677},{"word":"yep","start":915.44,"end":915.83997,"confidence":0.88964844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1173788458108902},{"word":"beautiful","start":915.83997,"end":916.33997,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.3172684907913208},{"word":"and","start":916.39996,"end":916.63995,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09100494533777236},{"word":"then","start":916.63995,"end":916.88,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08879554271697998},{"word":"content","start":916.88,"end":917.38,"confidence":0.5385742,"punctuated_word":"content,","sentiment":"neutral","sentiment_score":0.0772157683968544},{"word":"rough","start":918.56,"end":918.8,"confidence":0.5019531,"punctuated_word":"rough","sentiment":"neutral","sentiment_score":0.0727270245552063},{"word":"valuation","start":918.8,"end":919.3,"confidence":0.96777344,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.07514144480228424},{"word":"on","start":919.36,"end":919.51996,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02335818111896515},{"word":"content","start":919.51996,"end":919.92,"confidence":0.93408203,"punctuated_word":"content","sentiment":"neutral","sentiment_score":0.022889472544193268},{"word":"is","start":919.92,"end":920.07996,"confidence":0.9760742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.029938016086816788},{"word":"about","start":920.07996,"end":920.39996,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03757759928703308},{"word":"126,000","start":920.39996,"end":922.075,"confidence":0.99384767,"punctuated_word":"126,000.","sentiment":"neutral","sentiment_score":0.029478855431079865},{"word":"is","start":922.075,"end":922.23505,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.041412703692913055},{"word":"that","start":922.23505,"end":922.47504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.054435838013887405},{"word":"right","start":922.47504,"end":922.97504,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.030245117843151093},{"word":"yeah","start":924.395,"end":924.895,"confidence":0.9194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02249556966125965},{"word":"that's","start":925.515,"end":925.835,"confidence":0.9890137,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.025573238730430603},{"word":"okay","start":925.835,"end":926.335,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.022557992488145828},{"word":"yeah","start":926.79504,"end":927.115,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.031330764293670654},{"word":"that","start":927.115,"end":927.35504,"confidence":0.9667969,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.04176751896739006},{"word":"yeah","start":928.955,"end":929.455,"confidence":0.9921875,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07716986536979675},{"word":"it's","start":929.515,"end":929.755,"confidence":0.96875,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1469917595386505},{"word":"a","start":929.755,"end":929.91504,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1553046554327011},{"word":"bit","start":929.91504,"end":930.075,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1863449066877365},{"word":"difficult","start":930.075,"end":930.555,"confidence":0.99902344,"punctuated_word":"difficult","sentiment":"neutral","sentiment_score":-0.21188299357891083},{"word":"with","start":930.555,"end":930.715,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2211904525756836},{"word":"content","start":930.715,"end":931.115,"confidence":0.91259766,"punctuated_word":"content","sentiment":"neutral","sentiment_score":-0.18309129774570465},{"word":"because","start":931.115,"end":931.35504,"confidence":0.5878906,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.16594421863555908},{"word":"realistically","start":931.35504,"end":931.85504,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.17425313591957092},{"word":"when","start":931.995,"end":932.23505,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.13977518677711487},{"word":"you","start":932.23505,"end":932.315,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13652554154396057},{"word":"think","start":932.315,"end":932.555,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.13976973295211792},{"word":"about","start":932.555,"end":932.79504,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.16223390400409698},{"word":"it","start":932.79504,"end":932.955,"confidence":0.9890137,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.11888810992240906},{"word":"if","start":932.955,"end":933.03503,"confidence":0.86865234,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14813277125358582},{"word":"you","start":933.03503,"end":933.115,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13879236578941345},{"word":"tip","start":933.115,"end":933.35504,"confidence":0.28344727,"punctuated_word":"tip","sentiment":"neutral","sentiment_score":-0.12600111961364746},{"word":"your","start":933.35504,"end":933.515,"confidence":0.98291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17248040437698364},{"word":"house","start":933.515,"end":933.675,"confidence":0.9707031,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.1570345163345337},{"word":"upside","start":933.675,"end":933.995,"confidence":0.99316406,"punctuated_word":"upside","sentiment":"neutral","sentiment_score":-0.187261626124382},{"word":"down","start":933.995,"end":934.23505,"confidence":0.9812012,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.15222032368183136},{"word":"everything","start":934.23505,"end":934.715,"confidence":0.9970703,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.15286773443222046},{"word":"falls","start":934.715,"end":935.03503,"confidence":0.89453125,"punctuated_word":"falls","sentiment":"neutral","sentiment_score":-0.12712007761001587},{"word":"out","start":935.03503,"end":935.46,"confidence":0.93847656,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.16042226552963257},{"word":"the","start":935.54004,"end":935.62,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04407636076211929},{"word":"cost","start":935.62,"end":935.86005,"confidence":0.99609375,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.021425914019346237},{"word":"of","start":935.86005,"end":936.02,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.049515821039676666},{"word":"replacing","start":936.02,"end":936.52,"confidence":0.5004883,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":-0.03223905339837074},{"word":"that","start":936.58,"end":936.74005,"confidence":0.9394531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.050348758697509766},{"word":"could","start":936.74005,"end":936.9,"confidence":0.99609375,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.061976108700037},{"word":"be","start":936.9,"end":937.06,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.046512335538864136},{"word":"different","start":937.06,"end":937.30005,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0577109232544899},{"word":"depending","start":937.30005,"end":937.62,"confidence":0.9951172,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.03692368045449257},{"word":"on","start":937.62,"end":937.78,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02718188241124153},{"word":"where","start":937.78,"end":938.02,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.012877680361270905},{"word":"you","start":938.02,"end":938.18,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01888035237789154},{"word":"shop","start":938.18,"end":938.42004,"confidence":0.9970703,"punctuated_word":"shop,","sentiment":"neutral","sentiment_score":-0.0116021279245615},{"word":"what","start":938.42004,"end":938.66003,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.013810969889163973},{"word":"you","start":938.66003,"end":938.82,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011175818741321564},{"word":"buy","start":938.82,"end":939.14,"confidence":0.99902344,"punctuated_word":"buy,","sentiment":"neutral","sentiment_score":-0.0029013771563768387},{"word":"what","start":939.14,"end":939.30005,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0048263706266880035},{"word":"you","start":939.30005,"end":939.54004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01548103243112564},{"word":"want","start":939.54004,"end":940.04004,"confidence":0.935791,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":-0.003488499671220779},{"word":"you","start":940.10004,"end":940.18,"confidence":0.46704102,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010127583518624306},{"word":"how","start":940.26,"end":940.34,"confidence":0.9921875,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.002335699275135994},{"word":"many","start":940.34,"end":940.5,"confidence":0.9941406,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.0017667990177869797},{"word":"kids","start":940.5,"end":940.82,"confidence":0.98535156,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.014406878501176834},{"word":"you've","start":940.82,"end":940.98004,"confidence":0.9946289,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0021424461156129837},{"word":"got","start":940.98004,"end":941.14,"confidence":0.96655273,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":-0.011232580058276652},{"word":"there's","start":941.14,"end":941.38,"confidence":0.9921875,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.02072257734835148},{"word":"so","start":941.38,"end":941.54004,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.002525798976421356},{"word":"many","start":941.54004,"end":941.78,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.008021637797355652},{"word":"other","start":941.78,"end":942.10004,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.01057317480444908},{"word":"factors","start":942.10004,"end":942.42004,"confidence":0.9980469,"punctuated_word":"factors","sentiment":"neutral","sentiment_score":0.0028886012732982635},{"word":"there","start":942.42004,"end":942.82,"confidence":0.96362305,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.006705401465296745},{"word":"so","start":942.82,"end":943.02,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026350360363721848},{"word":"yeah","start":943.22003,"end":943.72003,"confidence":0.9980469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.12334337830543518},{"word":"perfect","start":944.98004,"end":945.48004,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2509145438671112},{"word":"other","start":946.42004,"end":946.74005,"confidence":0.8535156,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":0.07380171120166779},{"word":"than","start":946.74005,"end":946.98004,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.040848299860954285},{"word":"that","start":946.98004,"end":947.48004,"confidence":0.9951172,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.05481657758355141},{"word":"income","start":947.94,"end":948.26,"confidence":0.49316406,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0772581696510315},{"word":"wise","start":948.26,"end":948.5,"confidence":0.6945801,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.045189596712589264},{"word":"we","start":948.5,"end":948.66003,"confidence":0.57421875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04476851969957352},{"word":"had","start":948.66003,"end":948.82,"confidence":0.9892578,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04324426129460335},{"word":"you","start":948.82,"end":948.98004,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035458799451589584},{"word":"earning","start":948.98004,"end":949.38,"confidence":0.9941406,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.03773807734251022},{"word":"about","start":949.38,"end":949.62,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02505312487483025},{"word":"180,000","start":949.62,"end":951.06,"confidence":0.99902344,"punctuated_word":"180,000","sentiment":"neutral","sentiment_score":0.03776412084698677},{"word":"last","start":951.06,"end":951.435,"confidence":0.98095703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0201058778911829},{"word":"year","start":951.435,"end":951.675,"confidence":0.9970703,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.030309122055768967},{"word":"have","start":951.675,"end":951.835,"confidence":0.9980469,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.00006807222962379456},{"word":"you","start":951.835,"end":951.915,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007414195686578751},{"word":"had","start":951.915,"end":952.15497,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0070372894406318665},{"word":"i","start":952.315,"end":952.395,"confidence":0.9165039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003762993961572647},{"word":"know","start":952.395,"end":952.555,"confidence":0.984375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.015632303431630135},{"word":"you","start":952.555,"end":952.635,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00958581268787384},{"word":"said","start":952.635,"end":952.795,"confidence":0.9970703,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.005119301378726959},{"word":"you","start":952.795,"end":952.955,"confidence":0.97265625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02102535590529442},{"word":"weren't","start":952.955,"end":953.115,"confidence":0.9970703,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.026869487017393112},{"word":"sure","start":953.115,"end":953.355,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.047775499522686005},{"word":"about","start":953.355,"end":953.515,"confidence":0.9707031,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.015507183969020844},{"word":"the","start":953.515,"end":953.595,"confidence":0.50439453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016922254115343094},{"word":"pay","start":953.595,"end":953.835,"confidence":0.9140625,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.04245924204587936},{"word":"rise","start":953.835,"end":954.15497,"confidence":0.63256836,"punctuated_word":"rise,","sentiment":"neutral","sentiment_score":-0.02793421968817711},{"word":"but","start":954.15497,"end":954.235,"confidence":0.6635742,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.026929965242743492},{"word":"any","start":954.235,"end":954.475,"confidence":0.8798828,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.02706819400191307},{"word":"pay","start":954.475,"end":954.635,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.04129906743764877},{"word":"rises","start":954.635,"end":955.115,"confidence":0.87060547,"punctuated_word":"rises","sentiment":"neutral","sentiment_score":-0.03353165090084076},{"word":"recently","start":955.115,"end":955.615,"confidence":0.97998047,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":-0.04536456614732742},{"word":"or","start":955.755,"end":955.995,"confidence":0.9589844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02793460711836815},{"word":"coming","start":955.995,"end":956.315,"confidence":0.9980469,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.04323282465338707},{"word":"up","start":956.315,"end":956.815,"confidence":0.9628906,"punctuated_word":"up?","sentiment":"neutral","sentiment_score":-0.016741333529353142},{"word":"oh","start":959.995,"end":960.315,"confidence":0.9628906,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.45152759552001953},{"word":"fantastic","start":960.315,"end":960.815,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6470433473587036},{"word":"yep","start":962.715,"end":963.115,"confidence":0.88916016,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4109658896923065},{"word":"beautiful","start":963.115,"end":963.615,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6758372783660889},{"word":"well","start":963.675,"end":963.835,"confidence":0.99609375,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.4776877164840698},{"word":"you're","start":963.835,"end":963.995,"confidence":0.9399414,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6420979499816895},{"word":"definitely","start":963.995,"end":964.395,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.6267978549003601},{"word":"worth","start":964.395,"end":964.715,"confidence":0.9980469,"punctuated_word":"worth","sentiment":"positive","sentiment_score":0.5485557317733765},{"word":"more","start":964.715,"end":965.215,"confidence":0.9995117,"punctuated_word":"more.","sentiment":"positive","sentiment_score":0.5551371574401855},{"word":"all","start":969.68,"end":970.0,"confidence":0.7753906,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.34288090467453003},{"word":"good","start":970.0,"end":970.5,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.35734444856643677},{"word":"no","start":972.88,"end":973.38,"confidence":0.8696289,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.018284328281879425},{"word":"yeah","start":973.68,"end":974.0,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029203087091445923},{"word":"no","start":974.0,"end":974.16003,"confidence":0.98535156,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0061679743230342865},{"word":"that's","start":974.16003,"end":974.48004,"confidence":0.97802734,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.35317909717559814},{"word":"perfect","start":974.48004,"end":974.96,"confidence":0.9890137,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.3728383183479309},{"word":"and","start":974.96,"end":975.12,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17773184180259705},{"word":"i've","start":975.12,"end":975.28,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.30584681034088135},{"word":"got","start":975.28,"end":975.52,"confidence":0.9941406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.27284127473831177},{"word":"down","start":975.52,"end":975.68,"confidence":0.95703125,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2656225562095642},{"word":"here","start":975.68,"end":975.92004,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.22230827808380127},{"word":"that","start":975.92004,"end":976.08,"confidence":0.8647461,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16243648529052734},{"word":"you're","start":976.08,"end":976.24005,"confidence":0.710083,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17965655028820038},{"word":"managing","start":976.24005,"end":976.72003,"confidence":0.7661133,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":0.0972689837217331},{"word":"to","start":976.72003,"end":976.88,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1710040420293808},{"word":"save","start":976.88,"end":977.2,"confidence":0.98535156,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.1246182769536972},{"word":"roughly","start":977.2,"end":977.60004,"confidence":0.9658203,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.07996872812509537},{"word":"about","start":977.60004,"end":977.84,"confidence":0.86621094,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08624730259180069},{"word":"250","start":977.84,"end":978.88,"confidence":0.99853516,"punctuated_word":"250","sentiment":"neutral","sentiment_score":0.15358735620975494},{"word":"per","start":978.88,"end":979.12,"confidence":0.9980469,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.11806725710630415},{"word":"week","start":979.12,"end":979.36005,"confidence":0.99365234,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.08405543863773346},{"word":"are","start":979.36005,"end":979.52,"confidence":0.9892578,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.005920469760894775},{"word":"you","start":979.52,"end":979.68,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011291302740573885},{"word":"still","start":979.68,"end":979.92004,"confidence":0.99316406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.003558434545993805},{"word":"finding","start":979.92004,"end":980.42004,"confidence":0.9892578,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":0.056889913976192474},{"word":"to","start":980.445,"end":980.685,"confidence":0.46801758,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01279989629983902},{"word":"that","start":980.685,"end":980.84503,"confidence":0.75439453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0377153605222702},{"word":"right","start":980.84503,"end":981.085,"confidence":0.7746582,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":-0.00027339160442352295},{"word":"or","start":981.085,"end":981.325,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08872301876544952},{"word":"is","start":981.325,"end":981.405,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0427091084420681},{"word":"it","start":981.405,"end":981.565,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04965893179178238},{"word":"a","start":981.565,"end":981.645,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10553568601608276},{"word":"bit","start":981.645,"end":981.805,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.13966122269630432},{"word":"tougher","start":981.805,"end":982.125,"confidence":0.9863281,"punctuated_word":"tougher","sentiment":"neutral","sentiment_score":-0.09583980590105055},{"word":"with","start":982.125,"end":982.445,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06308110058307648},{"word":"the","start":982.445,"end":982.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009223923087120056},{"word":"way","start":982.605,"end":982.84503,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.007916569709777832},{"word":"everything","start":982.84503,"end":983.325,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.018114082515239716},{"word":"costs","start":983.325,"end":983.825,"confidence":0.97216797,"punctuated_word":"costs?","sentiment":"neutral","sentiment_score":0.04992395639419556},{"word":"yeah","start":987.965,"end":988.465,"confidence":0.8149414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10698263347148897},{"word":"yeah","start":989.085,"end":989.585,"confidence":0.74243164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01949084922671318},{"word":"that's","start":990.765,"end":991.085,"confidence":0.96606445,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09396253526210784},{"word":"okay","start":991.085,"end":991.585,"confidence":0.9946289,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10427051782608032},{"word":"yeah","start":992.365,"end":992.865,"confidence":0.9472656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09898895025253296},{"word":"yep","start":994.37,"end":994.77,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.087082140147686},{"word":"that's","start":994.77,"end":995.17004,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13971614837646484},{"word":"okay","start":995.17004,"end":995.65,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.13356216251850128},{"word":"not","start":995.65,"end":995.89,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.2064628154039383},{"word":"a","start":995.89,"end":995.97003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.143188938498497},{"word":"problem","start":995.97003,"end":996.37,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.15920983254909515},{"word":"at","start":996.37,"end":996.53,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1237715631723404},{"word":"all","start":996.53,"end":997.03,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.18305882811546328},{"word":"having","start":997.81,"end":998.13,"confidence":0.7426758,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":0.05046042054891586},{"word":"a","start":998.13,"end":998.29004,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03614050894975662},{"word":"look","start":998.29004,"end":998.79004,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.032504770904779434},{"word":"at","start":998.93,"end":999.25,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.040078118443489075},{"word":"your","start":999.25,"end":999.75,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.039798326790332794},{"word":"beneficiaries","start":999.81,"end":1000.31,"confidence":0.8063965,"punctuated_word":"beneficiaries.","sentiment":"neutral","sentiment_score":0.04411596059799194},{"word":"now","start":1000.37,"end":1000.53,"confidence":0.9902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.014036353677511215},{"word":"i","start":1000.53,"end":1000.61005,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008180387318134308},{"word":"can","start":1000.61005,"end":1000.77,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01632736623287201},{"word":"see","start":1000.77,"end":1001.25,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.01800033450126648},{"word":"we","start":1001.25,"end":1001.49,"confidence":0.9370117,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.016073990613222122},{"word":"have","start":1001.49,"end":1001.73004,"confidence":0.5385742,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018912572413682938},{"word":"sent","start":1001.73004,"end":1001.89,"confidence":0.98535156,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.02875290066003799},{"word":"out","start":1001.89,"end":1002.05,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.030280567705631256},{"word":"some","start":1002.05,"end":1002.29004,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.006483554840087891},{"word":"beneficiary","start":1002.29004,"end":1002.79004,"confidence":0.9873047,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.02932879701256752},{"word":"forms","start":1002.85004,"end":1003.09,"confidence":0.99316406,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.028356587514281273},{"word":"to","start":1003.09,"end":1003.25,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03197644278407097},{"word":"you","start":1003.25,"end":1003.41003,"confidence":0.9880371,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.0121946781873703},{"word":"but","start":1003.41003,"end":1003.57,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02598179504275322},{"word":"it","start":1003.57,"end":1003.65,"confidence":0.86621094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.050601281225681305},{"word":"looks","start":1003.65,"end":1003.89,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.05377492681145668},{"word":"like","start":1003.89,"end":1003.97003,"confidence":0.9941406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0849597305059433},{"word":"we","start":1003.97003,"end":1004.21,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06095600500702858},{"word":"still","start":1004.21,"end":1004.37,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0941227599978447},{"word":"don't","start":1004.37,"end":1004.61005,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06304945796728134},{"word":"have","start":1004.61005,"end":1004.77,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05617056041955948},{"word":"them","start":1004.77,"end":1005.01,"confidence":0.9970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.055178817361593246},{"word":"returned","start":1005.01,"end":1005.33,"confidence":0.93481445,"punctuated_word":"returned.","sentiment":"neutral","sentiment_score":-0.07126131653785706},{"word":"so","start":1005.33,"end":1005.49,"confidence":0.9614258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07631795853376389},{"word":"we","start":1005.49,"end":1005.65,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0826406180858612},{"word":"don't","start":1005.65,"end":1005.81,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06621220707893372},{"word":"actually","start":1005.81,"end":1006.05,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.043881338089704514},{"word":"have","start":1006.05,"end":1006.29004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06136801093816757},{"word":"beneficiary","start":1006.29004,"end":1006.79004,"confidence":0.97509766,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.035089727491140366},{"word":"nominations","start":1006.93,"end":1007.43,"confidence":0.9980469,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":-0.06091205030679703},{"word":"placed","start":1007.49,"end":1007.73004,"confidence":0.96875,"punctuated_word":"placed","sentiment":"neutral","sentiment_score":-0.06349243223667145},{"word":"on","start":1007.73004,"end":1007.89,"confidence":0.89501953,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09072304517030716},{"word":"your","start":1007.89,"end":1008.13,"confidence":0.94140625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08834919333457947},{"word":"three","start":1008.13,"end":1008.37,"confidence":0.20385742,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.07668745517730713},{"word":"for","start":1008.37,"end":1008.53,"confidence":0.74365234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08972585201263428},{"word":"your","start":1008.53,"end":1008.69,"confidence":0.91259766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.105521097779274},{"word":"one","start":1008.69,"end":1009.01,"confidence":0.93115234,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06234661862254143},{"word":"pass","start":1009.01,"end":1009.305,"confidence":0.49267578,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.04905115067958832},{"word":"policy","start":1009.385,"end":1009.705,"confidence":0.9970703,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.05143170803785324},{"word":"at","start":1009.705,"end":1009.745,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11362647265195848},{"word":"the","start":1009.745,"end":1009.785,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06576649099588394},{"word":"moment","start":1009.785,"end":1010.285,"confidence":0.99902344,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.07470263540744781},{"word":"i","start":1010.505,"end":1010.665,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021613597869873047},{"word":"do","start":1010.665,"end":1010.90497,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05661740526556969},{"word":"wanna","start":1010.90497,"end":1011.145,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.030009588226675987},{"word":"try","start":1011.145,"end":1011.385,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.07285191118717194},{"word":"and","start":1011.385,"end":1011.46497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08409592509269714},{"word":"get","start":1011.46497,"end":1011.625,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.060319092124700546},{"word":"those","start":1011.625,"end":1011.945,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09848083555698396},{"word":"applied","start":1011.945,"end":1012.345,"confidence":0.76782227,"punctuated_word":"applied,","sentiment":"neutral","sentiment_score":0.09666189551353456},{"word":"so","start":1012.345,"end":1012.505,"confidence":0.98828125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10832971334457396},{"word":"i","start":1012.505,"end":1012.585,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14787200093269348},{"word":"wanna","start":1012.585,"end":1012.90497,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1719842255115509},{"word":"help","start":1012.90497,"end":1013.145,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.149190291762352},{"word":"you","start":1013.145,"end":1013.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09642021358013152},{"word":"to","start":1013.305,"end":1013.385,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1115393340587616},{"word":"have","start":1013.385,"end":1013.625,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0585143081843853},{"word":"those","start":1013.625,"end":1013.945,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09139557182788847},{"word":"completed","start":1013.945,"end":1014.445,"confidence":1.0,"punctuated_word":"completed.","sentiment":"neutral","sentiment_score":0.07054072618484497},{"word":"are","start":1015.46497,"end":1015.625,"confidence":0.72021484,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.026925072073936462},{"word":"you","start":1015.625,"end":1015.865,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04926124960184097},{"word":"okay","start":1015.865,"end":1016.265,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.06450232118368149},{"word":"yeah","start":1016.745,"end":1017.065,"confidence":0.9902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04825632274150848},{"word":"is","start":1017.065,"end":1017.305,"confidence":0.6503906,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.047366660088300705},{"word":"you","start":1017.305,"end":1017.46497,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04621809720993042},{"word":"okay","start":1017.46497,"end":1017.785,"confidence":0.9902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.056267574429512024},{"word":"if","start":1017.785,"end":1018.02496,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06985865533351898},{"word":"we","start":1018.02496,"end":1018.505,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07027491927146912},{"word":"pre","start":1018.505,"end":1018.745,"confidence":0.3503418,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.06407330185174942},{"word":"fill","start":1018.745,"end":1018.985,"confidence":0.8120117,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.07639000564813614},{"word":"them","start":1018.985,"end":1019.225,"confidence":0.95947266,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.06046932935714722},{"word":"all","start":1019.225,"end":1019.385,"confidence":0.4580078,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06860984861850739},{"word":"for","start":1019.385,"end":1019.625,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0561629943549633},{"word":"you","start":1019.625,"end":1019.945,"confidence":0.9802246,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.04468359798192978},{"word":"i","start":1019.945,"end":1020.105,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06250837445259094},{"word":"obviously","start":1020.105,"end":1020.605,"confidence":0.84814453,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.05780688673257828},{"word":"wanna","start":1021.305,"end":1021.625,"confidence":0.9448242,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07470662891864777},{"word":"double","start":1021.625,"end":1021.645,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.059321243315935135},{"word":"check","start":1021.645,"end":1021.665,"confidence":0.9951172,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.07044488191604614},{"word":"that","start":1021.665,"end":1021.685,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07153905928134918},{"word":"you","start":1021.685,"end":1021.705,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08200877159833908},{"word":"do","start":1021.705,"end":1021.725,"confidence":0.9741211,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08031842112541199},{"word":"want","start":1021.725,"end":1021.745,"confidence":0.96533203,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.093787282705307},{"word":"jackie","start":1021.745,"end":1021.765,"confidence":0.93359375,"punctuated_word":"Jackie","sentiment":"neutral","sentiment_score":0.0674230232834816},{"word":"as","start":1021.765,"end":1021.78503,"confidence":0.91259766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10276959836483002},{"word":"your","start":1021.78503,"end":1021.805,"confidence":0.80566406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.059275269508361816},{"word":"beneficiary","start":1021.805,"end":1021.825,"confidence":0.68115234,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.07460440695285797},{"word":"on","start":1021.825,"end":1021.84503,"confidence":0.57666016,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09156795591115952},{"word":"your","start":1021.84503,"end":1021.865,"confidence":0.88427734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09542907774448396},{"word":"super","start":1021.865,"end":1021.885,"confidence":0.47753906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12187916040420532},{"word":"and","start":1021.885,"end":1021.905,"confidence":0.53515625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06948830932378769},{"word":"your","start":1021.905,"end":1021.925,"confidence":0.7583008,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05831277742981911},{"word":"life","start":1021.925,"end":1021.945,"confidence":0.6582031,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.07070475071668625},{"word":"cover","start":1021.945,"end":1022.265,"confidence":0.8979492,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.059110336005687714},{"word":"yep","start":1022.265,"end":1022.765,"confidence":0.7050781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06521129608154297},{"word":"super","start":1025.65,"end":1026.05,"confidence":0.6923828,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.16578558087348938},{"word":"annual","start":1026.05,"end":1026.37,"confidence":0.7128906,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.17287249863147736},{"word":"life","start":1026.37,"end":1026.61,"confidence":0.9658203,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1363440304994583},{"word":"cover","start":1026.61,"end":1027.0901,"confidence":0.8215332,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.11971110105514526},{"word":"yep","start":1027.0901,"end":1027.5901,"confidence":0.8105469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09438440203666688},{"word":"beautiful","start":1028.53,"end":1029.03,"confidence":0.9333496,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2972294092178345},{"word":"that's","start":1029.89,"end":1030.2101,"confidence":0.9604492,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1983577460050583},{"word":"okay","start":1030.2101,"end":1030.61,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.17590871453285217},{"word":"if","start":1030.61,"end":1030.85,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.12936149537563324},{"word":"you","start":1030.85,"end":1030.93,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10005104541778564},{"word":"if","start":1031.01,"end":1031.17,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11049462854862212},{"word":"you're","start":1031.17,"end":1031.41,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09332452714443208},{"word":"comfortable","start":1031.41,"end":1031.73,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.11262349784374236},{"word":"and","start":1031.73,"end":1031.89,"confidence":0.78125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14540746808052063},{"word":"you","start":1031.89,"end":1032.05,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15465575456619263},{"word":"approve","start":1032.05,"end":1032.37,"confidence":0.9760742,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":0.15723532438278198},{"word":"it","start":1032.37,"end":1032.53,"confidence":0.99365234,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.14856252074241638},{"word":"i","start":1032.53,"end":1032.6901,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16665446758270264},{"word":"can","start":1032.6901,"end":1032.85,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15288102626800537},{"word":"get","start":1032.85,"end":1033.0901,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14773304760456085},{"word":"my","start":1033.0901,"end":1033.25,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13461834192276},{"word":"team","start":1033.25,"end":1033.41,"confidence":0.99121094,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.13754504919052124},{"word":"to","start":1033.41,"end":1033.5701,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14617590606212616},{"word":"prefill","start":1033.5701,"end":1033.97,"confidence":0.7475586,"punctuated_word":"prefill","sentiment":"neutral","sentiment_score":0.13769245147705078},{"word":"the","start":1033.97,"end":1034.13,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10731952637434006},{"word":"information","start":1034.13,"end":1034.63,"confidence":0.9421387,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.1046980768442154},{"word":"we","start":1034.6901,"end":1034.85,"confidence":0.8984375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10870292782783508},{"word":"obviously","start":1034.85,"end":1035.25,"confidence":0.8222656,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.12803548574447632},{"word":"do","start":1035.25,"end":1035.41,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14913272857666016},{"word":"have","start":1035.41,"end":1035.5701,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13701115548610687},{"word":"all","start":1035.5701,"end":1035.81,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1341775208711624},{"word":"of","start":1035.81,"end":1035.89,"confidence":0.7866211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.120295450091362},{"word":"jackie's","start":1035.89,"end":1036.37,"confidence":0.9836426,"punctuated_word":"Jackie's","sentiment":"neutral","sentiment_score":0.1037607416510582},{"word":"details","start":1036.37,"end":1036.87,"confidence":0.73583984,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":0.10470861196517944},{"word":"so","start":1036.93,"end":1037.41,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11619416624307632},{"word":"we","start":1037.41,"end":1037.5701,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11424032598733902},{"word":"can","start":1037.5701,"end":1037.81,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13314953446388245},{"word":"prefill","start":1037.81,"end":1038.29,"confidence":0.9880371,"punctuated_word":"prefill","sentiment":"neutral","sentiment_score":0.12508608400821686},{"word":"it","start":1038.29,"end":1038.53,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1313970386981964},{"word":"for","start":1038.53,"end":1038.77,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16943714022636414},{"word":"you","start":1038.77,"end":1038.93,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12761923670768738},{"word":"and","start":1038.93,"end":1039.17,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09629420191049576},{"word":"send","start":1039.17,"end":1039.49,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.09022988379001616},{"word":"it","start":1039.49,"end":1039.73,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09053568542003632},{"word":"out","start":1039.73,"end":1040.23,"confidence":0.75512695,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.07844217121601105},{"word":"and","start":1040.395,"end":1040.635,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04997466504573822},{"word":"then","start":1040.635,"end":1040.715,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10774976760149002},{"word":"you've","start":1040.715,"end":1041.115,"confidence":0.9189453,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09478513896465302},{"word":"just","start":1041.115,"end":1041.275,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.008327662944793701},{"word":"gotta","start":1041.275,"end":1041.775,"confidence":0.7270508,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.02380717732012272},{"word":"sign","start":1041.915,"end":1042.395,"confidence":0.99316406,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.015269622206687927},{"word":"sorry","start":1042.635,"end":1043.115,"confidence":0.89404297,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03122764639556408},{"word":"yeah","start":1043.115,"end":1043.615,"confidence":0.6088867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015059270896017551},{"word":"if","start":1045.995,"end":1046.235,"confidence":0.15270996,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.013814043253660202},{"word":"we","start":1046.235,"end":1046.395,"confidence":0.9760742,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0200585313141346},{"word":"just","start":1046.395,"end":1046.635,"confidence":0.59521484,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.014614973217248917},{"word":"gotta","start":1046.635,"end":1046.875,"confidence":0.8173828,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.015151306986808777},{"word":"get","start":1046.875,"end":1047.035,"confidence":0.9921875,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.022227630019187927},{"word":"it","start":1047.035,"end":1047.195,"confidence":0.7993164,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014638733118772508},{"word":"signed","start":1047.195,"end":1047.4349,"confidence":0.9819336,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.0009652823209762572},{"word":"and","start":1047.4349,"end":1047.6749,"confidence":0.94628906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023981302976608276},{"word":"witnessed","start":1047.6749,"end":1048.1749,"confidence":0.7512207,"punctuated_word":"witnessed,","sentiment":"neutral","sentiment_score":0.023026812821626663},{"word":"a","start":1048.395,"end":1048.5549,"confidence":0.86865234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.001305844634771347},{"word":"witness","start":1048.5549,"end":1048.875,"confidence":0.9614258,"punctuated_word":"witness","sentiment":"neutral","sentiment_score":-0.00947779044508934},{"word":"just","start":1048.875,"end":1049.035,"confidence":0.81640625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.013224925845861437},{"word":"can't","start":1049.035,"end":1049.275,"confidence":0.99560547,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.012038844637572764},{"word":"be","start":1049.275,"end":1049.4349,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.008159790188074112},{"word":"daphne","start":1049.4349,"end":1049.6749,"confidence":0.55615234,"punctuated_word":"Daphne","sentiment":"neutral","sentiment_score":0.003669070778414607},{"word":"as","start":1049.6749,"end":1049.835,"confidence":0.5410156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.036613818258047104},{"word":"she'll","start":1049.835,"end":1050.075,"confidence":0.9921875,"punctuated_word":"she'll","sentiment":"neutral","sentiment_score":0.004158710595220327},{"word":"be","start":1050.075,"end":1050.235,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0017712637782096865},{"word":"the","start":1050.235,"end":1050.395,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0014175809919834137},{"word":"beneficiary","start":1050.395,"end":1050.895,"confidence":0.954834,"punctuated_word":"beneficiary.","sentiment":"neutral","sentiment_score":0.011345067992806436},{"word":"but","start":1050.955,"end":1051.035,"confidence":0.6508789,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03037109225988388},{"word":"if","start":1051.035,"end":1051.195,"confidence":0.9760742,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.024307604879140857},{"word":"you've","start":1051.195,"end":1051.355,"confidence":0.9506836,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.018895328044891357},{"word":"got","start":1051.355,"end":1051.515,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.013120029121637344},{"word":"two","start":1051.515,"end":1051.755,"confidence":0.9760742,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.01574460044503212},{"word":"mates","start":1051.755,"end":1052.075,"confidence":0.97509766,"punctuated_word":"mates","sentiment":"neutral","sentiment_score":0.01547115109860897},{"word":"or","start":1052.075,"end":1052.235,"confidence":0.921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0220150426030159},{"word":"neighbors","start":1052.235,"end":1052.635,"confidence":0.99902344,"punctuated_word":"neighbors","sentiment":"neutral","sentiment_score":0.031132567673921585},{"word":"or","start":1052.635,"end":1053.06,"confidence":0.86206055,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.022948354482650757},{"word":"you","start":1053.14,"end":1053.2201,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018302738666534424},{"word":"know","start":1053.2201,"end":1053.4601,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.015926234424114227},{"word":"brother","start":1053.4601,"end":1053.54,"confidence":0.86621094,"punctuated_word":"brother","sentiment":"neutral","sentiment_score":0.02430221438407898},{"word":"or","start":1053.54,"end":1053.78,"confidence":0.9316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.022202208638191223},{"word":"sister","start":1053.78,"end":1054.02,"confidence":0.99902344,"punctuated_word":"sister","sentiment":"neutral","sentiment_score":0.008857451379299164},{"word":"or","start":1054.02,"end":1054.26,"confidence":0.96875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.023399394005537033},{"word":"mom","start":1054.26,"end":1054.3401,"confidence":0.91503906,"punctuated_word":"mom","sentiment":"neutral","sentiment_score":0.0364534966647625},{"word":"or","start":1054.3401,"end":1054.5,"confidence":0.67529297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03842109069228172},{"word":"dad","start":1054.5,"end":1054.66,"confidence":0.9980469,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":0.04520180821418762},{"word":"or","start":1054.66,"end":1054.9,"confidence":0.9375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03531192988157272},{"word":"or","start":1054.9,"end":1054.9801,"confidence":0.6245117,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02612062357366085},{"word":"someone","start":1054.9801,"end":1055.3,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.03963914513587952},{"word":"else","start":1055.3,"end":1055.4601,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.05544184520840645},{"word":"that","start":1055.4601,"end":1055.6201,"confidence":0.9614258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.042834363877773285},{"word":"can","start":1055.6201,"end":1055.78,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03692210838198662},{"word":"just","start":1055.78,"end":1056.02,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04525989294052124},{"word":"witness","start":1056.02,"end":1056.42,"confidence":0.99609375,"punctuated_word":"witness","sentiment":"neutral","sentiment_score":0.06426801532506943},{"word":"it","start":1056.42,"end":1056.5,"confidence":0.9589844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09879335016012192},{"word":"for","start":1056.5,"end":1056.7401,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08363114297389984},{"word":"you","start":1056.7401,"end":1056.9801,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08035268634557724},{"word":"the","start":1056.9801,"end":1057.14,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.067909836769104},{"word":"day","start":1057.14,"end":1057.3,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.06379804760217667},{"word":"you","start":1057.3,"end":1057.6201,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04074708744883537},{"word":"sign","start":1057.6201,"end":1057.78,"confidence":0.9873047,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.04533720016479492},{"word":"it","start":1057.78,"end":1058.1001,"confidence":0.99658203,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.04689963161945343},{"word":"shoot","start":1058.1001,"end":1058.3401,"confidence":0.9819336,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.02967718616127968},{"word":"them","start":1058.3401,"end":1058.42,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.04336106777191162},{"word":"back","start":1058.42,"end":1058.66,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.029748767614364624},{"word":"to","start":1058.66,"end":1058.8201,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020541522651910785},{"word":"us","start":1058.8201,"end":1059.06,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.03194621950387955},{"word":"in","start":1059.06,"end":1059.2201,"confidence":0.96875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0532737672328949},{"word":"the","start":1059.2201,"end":1059.54,"confidence":0.90283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04801267385482788},{"word":"post","start":1059.54,"end":1059.9401,"confidence":0.9951172,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.057150453329086304},{"word":"or","start":1059.9401,"end":1060.18,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.033320505172014236},{"word":"email","start":1060.18,"end":1060.68,"confidence":0.9177246,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.03401917964220047},{"word":"and","start":1061.38,"end":1061.6201,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.038212187588214874},{"word":"we","start":1061.6201,"end":1061.8601,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05970998853445053},{"word":"will","start":1061.8601,"end":1062.02,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06631869822740555},{"word":"make","start":1062.02,"end":1062.26,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06074494123458862},{"word":"sure","start":1062.26,"end":1062.42,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07460356503725052},{"word":"they","start":1062.42,"end":1062.66,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06859107315540314},{"word":"are","start":1062.66,"end":1062.8201,"confidence":0.7578125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09148431569337843},{"word":"applied","start":1062.8201,"end":1063.2201,"confidence":0.9604492,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.0822049230337143},{"word":"for","start":1063.2201,"end":1063.4601,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06620026379823685},{"word":"you","start":1063.4601,"end":1063.6201,"confidence":0.723999,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07234659790992737},{"word":"because","start":1063.6201,"end":1063.8601,"confidence":0.97802734,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.02253936231136322},{"word":"it's","start":1063.8601,"end":1064.02,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02840648591518402},{"word":"something","start":1064.02,"end":1064.3401,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.027358967810869217},{"word":"that","start":1064.3401,"end":1064.5,"confidence":0.97265625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022696280851960186},{"word":"i","start":1064.5,"end":1064.66,"confidence":0.9453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01642371155321598},{"word":"know","start":1064.66,"end":1064.8201,"confidence":0.6303711,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.023384973406791687},{"word":"we've","start":1064.8201,"end":1064.9801,"confidence":0.72802734,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.023078424856066704},{"word":"been","start":1064.9801,"end":1065.14,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.020123358815908432},{"word":"trying","start":1065.14,"end":1065.4601,"confidence":0.99609375,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.018635816872119904},{"word":"to","start":1065.4601,"end":1065.54,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02866801805794239},{"word":"do","start":1065.54,"end":1065.7001,"confidence":0.92163086,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.036436788737773895},{"word":"and","start":1065.7001,"end":1066.125,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030949220061302185},{"word":"i","start":1066.205,"end":1066.285,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03264792263507843},{"word":"wanna","start":1066.285,"end":1066.605,"confidence":0.98291016,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05070383846759796},{"word":"try","start":1066.605,"end":1066.765,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.03746359795331955},{"word":"and","start":1066.765,"end":1066.845,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06940481066703796},{"word":"make","start":1066.845,"end":1067.005,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06281649321317673},{"word":"sure","start":1067.005,"end":1067.245,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08821267634630203},{"word":"that","start":1067.245,"end":1067.485,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09640960395336153},{"word":"that's","start":1067.485,"end":1067.645,"confidence":0.75878906,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06909804046154022},{"word":"covered","start":1067.645,"end":1068.045,"confidence":0.98950195,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":0.037949249148368835},{"word":"so","start":1068.045,"end":1068.205,"confidence":0.87158203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012609098106622696},{"word":"if","start":1068.205,"end":1068.365,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.011407366953790188},{"word":"anything","start":1068.365,"end":1068.765,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.016424445435404778},{"word":"happens","start":1068.765,"end":1069.265,"confidence":0.9892578,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.012293674051761627},{"word":"having","start":1069.325,"end":1069.645,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.0033335285261273384},{"word":"your","start":1069.645,"end":1069.885,"confidence":0.6352539,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021904507651925087},{"word":"super","start":1069.885,"end":1070.125,"confidence":0.87353516,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05836666747927666},{"word":"and","start":1070.125,"end":1070.285,"confidence":0.9448242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014148622751235962},{"word":"your","start":1070.285,"end":1070.445,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.033401284366846085},{"word":"life","start":1070.445,"end":1070.605,"confidence":0.99121094,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04154900833964348},{"word":"insurance","start":1070.605,"end":1071.005,"confidence":0.99316406,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.03377051651477814},{"word":"is","start":1071.005,"end":1071.085,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.011526327580213548},{"word":"one","start":1071.085,"end":1071.325,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.011774104088544846},{"word":"thing","start":1071.325,"end":1071.565,"confidence":0.9724121,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.031022977083921432},{"word":"but","start":1071.565,"end":1071.725,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.019886882975697517},{"word":"making","start":1071.725,"end":1071.965,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.019964270293712616},{"word":"sure","start":1071.965,"end":1072.285,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.052152231335639954},{"word":"she","start":1072.285,"end":1072.525,"confidence":0.9770508,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.05399863421916962},{"word":"actually","start":1072.525,"end":1072.765,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.03984352946281433},{"word":"gets","start":1072.765,"end":1073.005,"confidence":0.99316406,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.03153771534562111},{"word":"the","start":1073.005,"end":1073.165,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028187252581119537},{"word":"money","start":1073.165,"end":1073.405,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.042895250022411346},{"word":"in","start":1073.405,"end":1073.565,"confidence":0.96972656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03418608754873276},{"word":"the","start":1073.565,"end":1073.725,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024327965453267097},{"word":"event","start":1073.725,"end":1074.045,"confidence":0.9951172,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.007452469319105148},{"word":"that's","start":1074.045,"end":1074.285,"confidence":0.9277344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08277583122253418},{"word":"having","start":1074.285,"end":1074.525,"confidence":0.80322266,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.04908091574907303},{"word":"a","start":1074.525,"end":1074.605,"confidence":0.73828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04078062251210213},{"word":"curve","start":1074.605,"end":1074.925,"confidence":0.7480469,"punctuated_word":"curve","sentiment":"neutral","sentiment_score":-0.02824828028678894},{"word":"would","start":1074.925,"end":1075.005,"confidence":0.9614258,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.106092669069767},{"word":"be","start":1075.005,"end":1075.245,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05193348601460457},{"word":"another","start":1075.245,"end":1075.725,"confidence":0.7246094,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.04576311260461807},{"word":"story","start":1075.725,"end":1076.205,"confidence":0.9802246,"punctuated_word":"story.","sentiment":"neutral","sentiment_score":-0.04046254605054855},{"word":"so","start":1076.205,"end":1076.705,"confidence":0.9921875,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6690685749053955},{"word":"beautiful","start":1078.38,"end":1078.88,"confidence":0.9890137,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.6684044599533081},{"word":"i","start":1079.18,"end":1079.34,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3820929229259491},{"word":"will","start":1079.34,"end":1079.5,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.35622093081474304},{"word":"make","start":1079.5,"end":1079.66,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.33048349618911743},{"word":"sure","start":1079.66,"end":1079.9,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4124208986759186},{"word":"that","start":1079.9,"end":1080.14,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.45242297649383545},{"word":"is","start":1080.14,"end":1080.38,"confidence":0.9892578,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3550979495048523},{"word":"done","start":1080.38,"end":1080.88,"confidence":0.8654785,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":0.25482404232025146},{"word":"and","start":1081.18,"end":1081.34,"confidence":0.7675781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23433296382427216},{"word":"i","start":1081.34,"end":1081.5,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22425399720668793},{"word":"will","start":1081.5,"end":1081.66,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.21539202332496643},{"word":"get","start":1081.66,"end":1081.98,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2261272519826889},{"word":"michelle","start":1081.98,"end":1082.38,"confidence":0.98779297,"punctuated_word":"Michelle,","sentiment":"neutral","sentiment_score":0.23422947525978088},{"word":"my","start":1082.38,"end":1082.62,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.23837368190288544},{"word":"admin","start":1082.62,"end":1083.02,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.3215165436267853},{"word":"team","start":1083.02,"end":1083.26,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.18251371383666992},{"word":"member","start":1083.26,"end":1083.58,"confidence":0.8857422,"punctuated_word":"member,","sentiment":"neutral","sentiment_score":0.2438778430223465},{"word":"to","start":1083.58,"end":1083.8201,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28896811604499817},{"word":"pre","start":1083.8201,"end":1084.06,"confidence":0.3623047,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.27238190174102783},{"word":"fill","start":1084.06,"end":1084.22,"confidence":0.8935547,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.23296625912189484},{"word":"them","start":1084.22,"end":1084.46,"confidence":0.9926758,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.20604096353054047},{"word":"she'll","start":1084.46,"end":1084.62,"confidence":0.99902344,"punctuated_word":"She'll","sentiment":"neutral","sentiment_score":0.15948325395584106},{"word":"send","start":1084.62,"end":1084.86,"confidence":0.9951172,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.16363593935966492},{"word":"them","start":1084.86,"end":1085.02,"confidence":0.6582031,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.17569367587566376},{"word":"out","start":1085.02,"end":1085.18,"confidence":0.96875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1769665628671646},{"word":"to","start":1085.18,"end":1085.34,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17087925970554352},{"word":"you","start":1085.34,"end":1085.42,"confidence":0.97802734,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.19280146062374115},{"word":"and","start":1085.42,"end":1085.66,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16296492516994476},{"word":"then","start":1085.66,"end":1085.74,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.20019157230854032},{"word":"she'll","start":1085.74,"end":1085.98,"confidence":0.9980469,"punctuated_word":"she'll","sentiment":"neutral","sentiment_score":0.17550528049468994},{"word":"follow","start":1085.98,"end":1086.22,"confidence":1.0,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.16005918383598328},{"word":"you","start":1086.22,"end":1086.38,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2355598360300064},{"word":"up","start":1086.38,"end":1086.54,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.20168021321296692},{"word":"a","start":1086.54,"end":1086.62,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2480444610118866},{"word":"little","start":1086.62,"end":1086.86,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.21360689401626587},{"word":"bit","start":1086.86,"end":1087.1,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2224406599998474},{"word":"to","start":1087.1,"end":1087.26,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2070321887731552},{"word":"make","start":1087.26,"end":1087.34,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.21278882026672363},{"word":"sure","start":1087.34,"end":1087.58,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2561572194099426},{"word":"they","start":1087.58,"end":1087.74,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2233262062072754},{"word":"come","start":1087.74,"end":1087.98,"confidence":0.9970703,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.22663086652755737},{"word":"back","start":1087.98,"end":1088.22,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.19170193374156952},{"word":"as","start":1088.22,"end":1088.38,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21143671870231628},{"word":"well","start":1088.38,"end":1088.78,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18617120385169983},{"word":"okay","start":1088.78,"end":1089.28,"confidence":0.8823242,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.093526229262352},{"word":"beautiful","start":1091.375,"end":1091.875,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6678410768508911},{"word":"all","start":1092.095,"end":1092.335,"confidence":0.8828125,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6369479298591614},{"word":"good","start":1092.335,"end":1092.835,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5141209959983826},{"word":"other","start":1093.0549,"end":1093.375,"confidence":0.8613281,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":0.2609485983848572},{"word":"than","start":1093.375,"end":1093.455,"confidence":0.9941406,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.09099826216697691},{"word":"that","start":1093.455,"end":1093.695,"confidence":0.97875977,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.09059249609708786},{"word":"i've","start":1093.695,"end":1093.855,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11210118234157562},{"word":"got","start":1093.855,"end":1094.0149,"confidence":0.98828125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08077077567577362},{"word":"it","start":1094.0149,"end":1094.095,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09307784587144852},{"word":"noted","start":1094.095,"end":1094.4149,"confidence":0.9790039,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.0967416614294052},{"word":"here","start":1094.4149,"end":1094.6549,"confidence":0.98291016,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10603557527065276},{"word":"that","start":1094.6549,"end":1094.735,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07087846845388412},{"word":"you","start":1094.735,"end":1094.8949,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07074853032827377},{"word":"guys","start":1094.8949,"end":1095.1349,"confidence":0.99121094,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.10859094560146332},{"word":"do","start":1095.1349,"end":1095.375,"confidence":0.97265625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08969173580408096},{"word":"have","start":1095.375,"end":1095.615,"confidence":0.9716797,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09383312612771988},{"word":"a","start":1095.615,"end":1095.695,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1144256666302681},{"word":"will","start":1095.695,"end":1095.9349,"confidence":0.94189453,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1518724262714386},{"word":"and","start":1095.9349,"end":1096.095,"confidence":0.8886719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1237841621041298},{"word":"power","start":1096.095,"end":1096.335,"confidence":0.98291016,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.18259459733963013},{"word":"of","start":1096.335,"end":1096.4149,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1321171075105667},{"word":"attorney","start":1096.4149,"end":1096.8949,"confidence":0.98999023,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.12570634484291077},{"word":"everything","start":1096.8949,"end":1097.2949,"confidence":1.0,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":0.15081919729709625},{"word":"is","start":1097.2949,"end":1097.5349,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15210266411304474},{"word":"up","start":1097.5349,"end":1097.695,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12841100990772247},{"word":"to","start":1097.695,"end":1097.855,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1389971673488617},{"word":"date","start":1097.855,"end":1098.1749,"confidence":0.9975586,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.15669363737106323},{"word":"is","start":1098.1749,"end":1098.4149,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0948016345500946},{"word":"that","start":1098.4149,"end":1098.6549,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11211317777633668},{"word":"is","start":1098.6549,"end":1098.815,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09620755165815352},{"word":"that","start":1098.815,"end":1099.0549,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08472583442926407},{"word":"also","start":1099.0549,"end":1099.375,"confidence":0.984375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09094850718975069},{"word":"reflective","start":1099.375,"end":1099.875,"confidence":0.9770508,"punctuated_word":"reflective","sentiment":"neutral","sentiment_score":0.12058725953102112},{"word":"of","start":1099.9349,"end":1100.0149,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.133877232670784},{"word":"your","start":1100.0149,"end":1100.1749,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08073540776968002},{"word":"wishes","start":1100.1749,"end":1100.6749,"confidence":0.99902344,"punctuated_word":"wishes?","sentiment":"neutral","sentiment_score":0.1022181287407875},{"word":"yes","start":1102.0149,"end":1102.495,"confidence":0.6845703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.23851364850997925},{"word":"perfect","start":1102.495,"end":1102.995,"confidence":0.98950195,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6107016801834106},{"word":"fantastic","start":1103.375,"end":1103.875,"confidence":0.9838867,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6888701915740967},{"word":"having","start":1105.63,"end":1106.03,"confidence":0.94140625,"punctuated_word":"Having","sentiment":"positive","sentiment_score":0.5711038112640381},{"word":"a","start":1106.03,"end":1106.11,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5914201140403748},{"word":"look","start":1106.11,"end":1106.59,"confidence":0.81884766,"punctuated_word":"look,","sentiment":"positive","sentiment_score":0.5837194919586182},{"word":"everything","start":1106.59,"end":1106.99,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.7276288270950317},{"word":"else","start":1106.99,"end":1107.31,"confidence":0.9980469,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.6590410470962524},{"word":"looks","start":1107.31,"end":1107.55,"confidence":0.9716797,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.6241804361343384},{"word":"pretty","start":1107.55,"end":1107.87,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6407983899116516},{"word":"good","start":1107.87,"end":1108.11,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5779337882995605},{"word":"i'll","start":1108.11,"end":1108.27,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3824810981750488},{"word":"get","start":1108.27,"end":1108.51,"confidence":0.99609375,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4027189016342163},{"word":"the","start":1108.51,"end":1108.67,"confidence":0.8828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3698068857192993},{"word":"annual","start":1108.67,"end":1108.91,"confidence":0.9921875,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.4087366461753845},{"word":"review","start":1108.91,"end":1109.23,"confidence":0.9921875,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2893197536468506},{"word":"pack","start":1109.23,"end":1109.47,"confidence":0.91259766,"punctuated_word":"pack","sentiment":"positive","sentiment_score":0.3666167557239533},{"word":"out","start":1109.47,"end":1109.63,"confidence":0.91845703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3936932682991028},{"word":"to","start":1109.63,"end":1109.79,"confidence":0.7636719,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3355093002319336},{"word":"you","start":1109.79,"end":1109.87,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3758699893951416},{"word":"there","start":1109.87,"end":1110.11,"confidence":0.9819336,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3063969910144806},{"word":"it","start":1110.11,"end":1110.27,"confidence":0.984375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.26343974471092224},{"word":"will","start":1110.27,"end":1110.51,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.26920977234840393},{"word":"have","start":1110.51,"end":1110.67,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26591038703918457},{"word":"a","start":1110.67,"end":1110.75,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23619236052036283},{"word":"copy","start":1110.75,"end":1111.07,"confidence":1.0,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.19166922569274905},{"word":"of","start":1111.07,"end":1111.23,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16186195611953735},{"word":"all","start":1111.23,"end":1111.63,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.21614332497119904},{"word":"the","start":1111.63,"end":1111.87,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1882147341966629},{"word":"documents","start":1111.87,"end":1112.27,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.20061849057674408},{"word":"that","start":1112.27,"end":1112.51,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21817176043987271},{"word":"i've","start":1112.51,"end":1112.67,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.21191349625587463},{"word":"gone","start":1112.67,"end":1112.91,"confidence":0.9980469,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.25307217240333557},{"word":"through","start":1112.91,"end":1113.15,"confidence":0.9716797,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24623461067676544},{"word":"giving","start":1113.15,"end":1113.39,"confidence":0.70703125,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.22004273533821103},{"word":"you","start":1113.39,"end":1113.89,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27796754240989685},{"word":"the","start":1113.95,"end":1114.11,"confidence":0.9165039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21936653554439545},{"word":"city","start":1114.11,"end":1114.43,"confidence":0.39086914,"punctuated_word":"city","sentiment":"neutral","sentiment_score":0.23586757481098175},{"word":"of","start":1114.43,"end":1114.59,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20903167128562927},{"word":"currency","start":1114.59,"end":1115.07,"confidence":0.9902344,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.20675139129161835},{"word":"and","start":1115.07,"end":1115.31,"confidence":0.8833008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2214540988206863},{"word":"also","start":1115.31,"end":1115.63,"confidence":0.7397461,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.23188737034797668},{"word":"an","start":1115.63,"end":1115.95,"confidence":0.6665039,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.24984173476696017},{"word":"update","start":1115.95,"end":1116.35,"confidence":0.5317383,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.21169210970401764},{"word":"on","start":1116.35,"end":1116.51,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21255959570407867},{"word":"your","start":1116.51,"end":1116.67,"confidence":0.90625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2473953515291214},{"word":"superannuation","start":1116.67,"end":1117.17,"confidence":0.9749349,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.22922945022583008},{"word":"side","start":1117.55,"end":1117.79,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.23842385411262512},{"word":"of","start":1117.79,"end":1117.95,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2622952461242676},{"word":"things","start":1117.95,"end":1118.445,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2290828675031662},{"word":"with","start":1118.845,"end":1119.085,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23366065323352816},{"word":"the","start":1119.085,"end":1119.325,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21669574081897736},{"word":"so","start":1119.4049,"end":1119.725,"confidence":0.60595703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25281623005867004},{"word":"ongoing","start":1119.725,"end":1120.205,"confidence":0.93847656,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.20787790417671204},{"word":"service","start":1120.205,"end":1120.605,"confidence":0.99609375,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.18989764153957367},{"word":"agreement","start":1120.605,"end":1121.085,"confidence":0.99609375,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.13833680748939514},{"word":"there","start":1121.085,"end":1121.325,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1737266331911087},{"word":"as","start":1121.325,"end":1121.485,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17383907735347748},{"word":"well","start":1121.485,"end":1121.8049,"confidence":0.9753418,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.14255431294441223},{"word":"so","start":1121.8049,"end":1122.0449,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07297350466251373},{"word":"your","start":1122.0449,"end":1122.365,"confidence":0.97314453,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04889436066150665},{"word":"ongoing","start":1122.365,"end":1122.845,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.07676589488983154},{"word":"service","start":1122.845,"end":1123.245,"confidence":0.9921875,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.052777327597141266},{"word":"fee","start":1123.245,"end":1123.4049,"confidence":0.57421875,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06330551952123642},{"word":"you","start":1123.4049,"end":1123.565,"confidence":0.8691406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05749375373125076},{"word":"pay","start":1123.565,"end":1123.8049,"confidence":0.82177734,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.043220024555921555},{"word":"to","start":1123.8049,"end":1123.965,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05593878775835037},{"word":"us","start":1123.965,"end":1124.205,"confidence":0.9506836,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.06538267433643341},{"word":"is","start":1124.205,"end":1124.365,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05018479377031326},{"word":"1.1%","start":1124.365,"end":1125.985,"confidence":0.98222655,"punctuated_word":"1.1%.","sentiment":"neutral","sentiment_score":0.051639124751091},{"word":"that's","start":1127.4049,"end":1127.725,"confidence":0.9863281,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.035377830266952515},{"word":"per","start":1127.725,"end":1127.8849,"confidence":0.95947266,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.059825554490089417},{"word":"annum","start":1127.8849,"end":1128.205,"confidence":0.90755206,"punctuated_word":"annum,","sentiment":"neutral","sentiment_score":0.06008929759263992},{"word":"and","start":1128.205,"end":1128.365,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04566734656691551},{"word":"then","start":1128.365,"end":1128.605,"confidence":0.9902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0458272248506546},{"word":"it's","start":1128.605,"end":1128.7649,"confidence":0.7758789,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05430694669485092},{"word":"deducted","start":1128.7649,"end":1129.1649,"confidence":0.5366211,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.07862154394388199},{"word":"in","start":1129.1649,"end":1129.245,"confidence":0.25756836,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08799749612808228},{"word":"smaller","start":1129.245,"end":1129.565,"confidence":0.86572266,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.08417034894227982},{"word":"monthly","start":1129.565,"end":1130.0449,"confidence":0.9951172,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.07221642881631851},{"word":"increments","start":1130.0449,"end":1130.5449,"confidence":0.9694824,"punctuated_word":"increments.","sentiment":"neutral","sentiment_score":0.06449183076620102},{"word":"it's","start":1130.605,"end":1130.845,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04307516664266586},{"word":"the","start":1130.845,"end":1130.9249,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04667087644338608},{"word":"same","start":1130.9249,"end":1131.1649,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.04422849044203758},{"word":"as","start":1131.1649,"end":1131.325,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05117430165410042},{"word":"it","start":1131.325,"end":1131.4049,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.025971852242946625},{"word":"was","start":1131.4049,"end":1131.725,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03205789625644684},{"word":"last","start":1131.725,"end":1131.8849,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0368279442191124},{"word":"year","start":1131.8849,"end":1132.125,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.02785566635429859},{"word":"i","start":1132.125,"end":1132.205,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10829614847898485},{"word":"did","start":1132.205,"end":1132.445,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.12221015989780426},{"word":"try","start":1132.445,"end":1132.605,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.18292884528636932},{"word":"to","start":1132.605,"end":1132.7649,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.189688578248024},{"word":"reduce","start":1132.7649,"end":1133.1649,"confidence":0.9980469,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.12672501802444458},{"word":"it","start":1133.1649,"end":1133.245,"confidence":0.9038086,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14451125264167786},{"word":"a","start":1133.245,"end":1133.325,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18688002228736875},{"word":"bit","start":1133.325,"end":1133.565,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.16716329753398895},{"word":"more","start":1133.565,"end":1133.8049,"confidence":0.9736328,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.11124295741319656},{"word":"but","start":1133.8049,"end":1134.18,"confidence":0.8391113,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.13222186267375946},{"word":"unfortunately","start":1134.42,"end":1134.92,"confidence":0.9633789,"punctuated_word":"unfortunately,","sentiment":"negative","sentiment_score":-0.4062331020832062},{"word":"they","start":1135.38,"end":1135.54,"confidence":0.75634766,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.4210456907749176},{"word":"wouldn't","start":1135.54,"end":1135.78,"confidence":0.98657227,"punctuated_word":"wouldn't","sentiment":"negative","sentiment_score":-0.4595967531204224},{"word":"let","start":1135.78,"end":1135.9401,"confidence":0.9951172,"punctuated_word":"let","sentiment":"negative","sentiment_score":-0.4809297025203705},{"word":"me","start":1135.9401,"end":1136.1001,"confidence":0.90356445,"punctuated_word":"me.","sentiment":"negative","sentiment_score":-0.3635584115982056},{"word":"i'm","start":1136.1001,"end":1136.26,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2939688563346863},{"word":"so","start":1136.26,"end":1136.5,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.29910022020339966},{"word":"sorry","start":1136.5,"end":1136.8201,"confidence":0.9980469,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.3153601586818695},{"word":"i'll","start":1136.8201,"end":1137.06,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.20398789644241333},{"word":"keep","start":1137.06,"end":1137.3,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.25031527876853943},{"word":"trying","start":1137.3,"end":1137.8,"confidence":0.9848633,"punctuated_word":"trying.","sentiment":"neutral","sentiment_score":-0.1958048045635223},{"word":"but","start":1139.9401,"end":1140.18,"confidence":0.7294922,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.04337264969944954},{"word":"yeah","start":1140.18,"end":1140.3401,"confidence":0.9748535,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.01700754091143608},{"word":"it","start":1140.3401,"end":1140.5,"confidence":0.79296875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008919436484575272},{"word":"says","start":1140.5,"end":1140.7401,"confidence":0.53466797,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.03208012506365776},{"word":"one","start":1140.7401,"end":1140.9801,"confidence":0.9707031,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03698013722896576},{"word":"point","start":1140.9801,"end":1141.2201,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.014984898269176483},{"word":"one","start":1141.2201,"end":1141.4601,"confidence":0.9921875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05399250239133835},{"word":"zero","start":1141.4601,"end":1141.9601,"confidence":0.65527344,"punctuated_word":"zero.","sentiment":"neutral","sentiment_score":-0.015150221064686775},{"word":"yeah","start":1156.605,"end":1157.085,"confidence":0.8405762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.072697214782238},{"word":"the","start":1157.085,"end":1157.245,"confidence":0.9838867,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0646495446562767},{"word":"good","start":1157.245,"end":1157.405,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1806629449129105},{"word":"thing","start":1157.405,"end":1157.645,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1766100972890854},{"word":"about","start":1157.645,"end":1157.885,"confidence":0.84277344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1654195487499237},{"word":"your","start":1157.885,"end":1158.125,"confidence":0.9658203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14100556075572968},{"word":"ongoing","start":1158.125,"end":1158.625,"confidence":0.99609375,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1673894226551056},{"word":"it","start":1159.325,"end":1159.485,"confidence":0.96777344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11111851036548616},{"word":"sounds","start":1159.485,"end":1159.725,"confidence":0.9301758,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.3142455816268921},{"word":"really","start":1159.725,"end":1160.045,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.23722511529922485},{"word":"good","start":1160.045,"end":1160.525,"confidence":0.99658203,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1811639219522476},{"word":"unfortunately","start":1160.525,"end":1161.005,"confidence":0.99609375,"punctuated_word":"Unfortunately,","sentiment":"negative","sentiment_score":-0.37643930315971375},{"word":"i've","start":1161.005,"end":1161.165,"confidence":0.6612549,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.37102842330932617},{"word":"gotta","start":1161.165,"end":1161.405,"confidence":0.61865234,"punctuated_word":"gotta","sentiment":"negative","sentiment_score":-0.4196891486644745},{"word":"take","start":1161.405,"end":1161.485,"confidence":0.9863281,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.5576686263084412},{"word":"it","start":1161.485,"end":1161.565,"confidence":0.9482422,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3267494738101959},{"word":"to","start":1161.565,"end":1161.725,"confidence":0.56591797,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4752240478992462},{"word":"my","start":1161.725,"end":1161.885,"confidence":0.99902344,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.4369765818119049},{"word":"license","start":1161.885,"end":1162.365,"confidence":0.48291016,"punctuated_word":"license","sentiment":"negative","sentiment_score":-0.34522050619125366},{"word":"fee","start":1162.365,"end":1162.83,"confidence":0.7861328,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":-0.09769812226295473},{"word":"the","start":1163.3099,"end":1163.5499,"confidence":0.9941406,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.6799958348274231},{"word":"good","start":1163.5499,"end":1163.63,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7457506656646729},{"word":"thing","start":1163.63,"end":1163.87,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.7522991299629211},{"word":"about","start":1163.87,"end":1164.11,"confidence":0.99609375,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.7123045921325684},{"word":"the","start":1164.11,"end":1164.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.671920120716095},{"word":"way","start":1164.19,"end":1164.51,"confidence":0.99902344,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.6987113356590271},{"word":"the","start":1164.51,"end":1164.75,"confidence":0.8803711,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6688628792762756},{"word":"percentage","start":1164.75,"end":1165.25,"confidence":0.9951172,"punctuated_word":"percentage","sentiment":"positive","sentiment_score":0.5717499256134033},{"word":"fee","start":1165.47,"end":1165.63,"confidence":0.96972656,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.6267383694648743},{"word":"works","start":1165.63,"end":1165.95,"confidence":0.9614258,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.5015919804573059},{"word":"is","start":1165.95,"end":1166.11,"confidence":0.9941406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5890151858329773},{"word":"that","start":1166.11,"end":1166.2699,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6311821937561035},{"word":"it","start":1166.2699,"end":1166.4299,"confidence":0.9941406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6592835783958435},{"word":"does","start":1166.4299,"end":1166.6699,"confidence":0.9951172,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.6695809960365295},{"word":"work","start":1166.6699,"end":1167.07,"confidence":0.98291016,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.5380383133888245},{"word":"in","start":1167.07,"end":1167.3099,"confidence":0.97314453,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6420069336891174},{"word":"line","start":1167.3099,"end":1167.63,"confidence":0.97265625,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.6937640309333801},{"word":"with","start":1167.63,"end":1167.7899,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6622394323348999},{"word":"your","start":1167.7899,"end":1168.11,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7371503114700317},{"word":"super","start":1168.11,"end":1168.59,"confidence":0.7687988,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.5786933898925781},{"word":"so","start":1168.59,"end":1169.07,"confidence":0.9980469,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5596036911010742},{"word":"the","start":1169.07,"end":1169.23,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6188520789146423},{"word":"more","start":1169.23,"end":1169.47,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5597716569900513},{"word":"you","start":1169.47,"end":1169.7899,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5805554389953613},{"word":"make","start":1169.7899,"end":1170.11,"confidence":0.9941406,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.5940819978713989},{"word":"or","start":1170.11,"end":1170.2699,"confidence":0.9160156,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.6360529661178589},{"word":"the","start":1170.2699,"end":1170.35,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5685378909111023},{"word":"more","start":1170.35,"end":1170.59,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6212750673294067},{"word":"of","start":1170.59,"end":1170.6699,"confidence":0.9604492,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6862723231315613},{"word":"a","start":1170.6699,"end":1170.83,"confidence":0.9633789,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6893662214279175},{"word":"return","start":1170.83,"end":1171.23,"confidence":0.99902344,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5974780917167664},{"word":"you","start":1171.23,"end":1171.3099,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6775256395339966},{"word":"get","start":1171.3099,"end":1171.5499,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6923409104347229},{"word":"out","start":1171.5499,"end":1171.71,"confidence":0.99902344,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.7352254986763},{"word":"of","start":1171.71,"end":1171.7899,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7127143740653992},{"word":"your","start":1171.7899,"end":1172.0299,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.686457633972168},{"word":"super","start":1172.0299,"end":1172.51,"confidence":0.9921875,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.6580114960670471},{"word":"does","start":1172.51,"end":1172.6699,"confidence":0.54052734,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.6470304727554321},{"word":"mean","start":1172.6699,"end":1172.9099,"confidence":0.9970703,"punctuated_word":"mean","sentiment":"positive","sentiment_score":0.6586142778396606},{"word":"the","start":1172.9099,"end":1172.99,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6820923089981079},{"word":"more","start":1172.99,"end":1173.23,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6166190505027771},{"word":"that","start":1173.23,"end":1173.47,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6319308280944824},{"word":"we","start":1173.47,"end":1173.71,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.516996443271637},{"word":"make","start":1173.71,"end":1173.95,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.5398132801055908},{"word":"as","start":1173.95,"end":1174.11,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.541144073009491},{"word":"well","start":1174.11,"end":1174.4299,"confidence":0.8901367,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4388998746871948},{"word":"and","start":1174.4299,"end":1174.6699,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.29580363631248474},{"word":"if","start":1174.6699,"end":1174.9099,"confidence":0.81933594,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24625921249389648},{"word":"to","start":1174.9099,"end":1174.99,"confidence":0.54052734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23288503289222717},{"word":"say","start":1174.99,"end":1175.3099,"confidence":0.9941406,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.12283961474895476},{"word":"we","start":1175.3099,"end":1175.47,"confidence":0.65478516,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19906434416770935},{"word":"saw","start":1175.47,"end":1175.71,"confidence":0.98535156,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":0.12754957377910614},{"word":"the","start":1175.71,"end":1175.7899,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19254449009895325},{"word":"market","start":1175.7899,"end":1176.165,"confidence":0.9248047,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.07370112836360931},{"word":"take","start":1176.165,"end":1176.405,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0904260128736496},{"word":"a","start":1176.405,"end":1176.485,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1190367266535759},{"word":"bit","start":1176.485,"end":1176.565,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06484421342611313},{"word":"of","start":1176.565,"end":1176.645,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13518227636814115},{"word":"a","start":1176.645,"end":1176.805,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17029628157615662},{"word":"dip","start":1176.805,"end":1176.925,"confidence":0.9230957,"punctuated_word":"dip,","sentiment":"neutral","sentiment_score":0.11295007169246674},{"word":"it","start":1176.925,"end":1177.045,"confidence":0.8339844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2837546765804291},{"word":"means","start":1177.045,"end":1177.365,"confidence":0.99609375,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.19283083081245425},{"word":"that","start":1177.365,"end":1177.4451,"confidence":0.6123047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1837058961391449},{"word":"outplay","start":1177.4451,"end":1177.8451,"confidence":0.75268555,"punctuated_word":"Outplay","sentiment":"neutral","sentiment_score":0.08667859435081482},{"word":"takes","start":1177.8451,"end":1178.005,"confidence":0.9951172,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.11560080945491792},{"word":"a","start":1178.005,"end":1178.165,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21849317848682404},{"word":"bit","start":1178.165,"end":1178.405,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12101024389266968},{"word":"of","start":1178.405,"end":1178.485,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24741294980049133},{"word":"a","start":1178.485,"end":1178.5651,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22398361563682556},{"word":"dip","start":1178.5651,"end":1178.7251,"confidence":0.99902344,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":0.08691490441560745},{"word":"with","start":1178.7251,"end":1178.885,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2795554995536804},{"word":"it","start":1178.885,"end":1179.045,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2887715995311737},{"word":"as","start":1179.045,"end":1179.2051,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3048216998577118},{"word":"well","start":1179.2051,"end":1179.4451,"confidence":0.98706055,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.26612138748168945},{"word":"so","start":1179.4451,"end":1179.9451,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4049459099769592},{"word":"it","start":1180.0851,"end":1180.245,"confidence":0.9873047,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4530700147151947},{"word":"does","start":1180.245,"end":1180.485,"confidence":0.9970703,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.4709607064723969},{"word":"work","start":1180.485,"end":1180.7251,"confidence":0.9951172,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.4376997947692871},{"word":"out","start":1180.7251,"end":1181.045,"confidence":0.9951172,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.44427165389060974},{"word":"to","start":1181.045,"end":1181.2051,"confidence":0.84472656,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4602559506893158},{"word":"your","start":1181.2051,"end":1181.4451,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.41120490431785583},{"word":"benefit","start":1181.4451,"end":1181.8451,"confidence":1.0,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.4636247754096985},{"word":"in","start":1181.8451,"end":1182.005,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.43542012572288513},{"word":"that","start":1182.005,"end":1182.245,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4765459299087525},{"word":"scenario","start":1182.245,"end":1182.745,"confidence":1.0,"punctuated_word":"scenario","sentiment":"positive","sentiment_score":0.47339606285095215},{"word":"there","start":1182.805,"end":1183.305,"confidence":0.89990234,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3317006230354309},{"word":"but","start":1183.525,"end":1183.685,"confidence":0.74316406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12168969213962556},{"word":"i","start":1183.685,"end":1183.8451,"confidence":0.7607422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08866695314645767},{"word":"know","start":1183.8451,"end":1184.005,"confidence":0.9770508,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.054199643433094025},{"word":"it's","start":1184.005,"end":1184.165,"confidence":0.68188477,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0591372475028038},{"word":"one","start":1184.165,"end":1184.3251,"confidence":0.93603516,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04675307869911194},{"word":"thing","start":1184.3251,"end":1184.405,"confidence":0.9921875,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05391707643866539},{"word":"that","start":1184.405,"end":1184.5651,"confidence":0.97265625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0785248726606369},{"word":"we","start":1184.5651,"end":1184.7251,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07089050114154816},{"word":"did","start":1184.7251,"end":1184.885,"confidence":0.93408203,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07614842802286148},{"word":"talk","start":1184.885,"end":1185.045,"confidence":0.99316406,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.06464844197034836},{"word":"about","start":1185.045,"end":1185.285,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06013241782784462},{"word":"last","start":1185.285,"end":1185.4451,"confidence":0.99609375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04177093878388405},{"word":"year","start":1185.4451,"end":1185.685,"confidence":0.71875,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.08441607654094696},{"word":"and","start":1185.685,"end":1185.765,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06367111206054688},{"word":"i","start":1185.765,"end":1185.8451,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.058638494461774826},{"word":"was","start":1185.8451,"end":1185.925,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03307026997208595},{"word":"like","start":1185.925,"end":1186.165,"confidence":0.93652344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04146022349596024},{"word":"look","start":1186.165,"end":1186.405,"confidence":0.82836914,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.022976450622081757},{"word":"i","start":1186.405,"end":1186.485,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03060688078403473},{"word":"did","start":1186.485,"end":1186.7251,"confidence":0.9873047,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05254213511943817},{"word":"go","start":1186.7251,"end":1186.885,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.016615457832813263},{"word":"into","start":1186.885,"end":1187.125,"confidence":0.80322266,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.02014071494340897},{"word":"bed","start":1187.125,"end":1187.365,"confidence":0.8425293,"punctuated_word":"bed.","sentiment":"neutral","sentiment_score":0.025177476927638057},{"word":"i","start":1187.365,"end":1187.4451,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04729272425174713},{"word":"did","start":1187.4451,"end":1187.685,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06230277940630913},{"word":"try","start":1187.685,"end":1187.925,"confidence":0.98999023,"punctuated_word":"try.","sentiment":"neutral","sentiment_score":0.018023105338215828},{"word":"they","start":1187.925,"end":1188.165,"confidence":0.99902344,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.005136139690876007},{"word":"said","start":1188.165,"end":1188.485,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.008831284940242767},{"word":"no","start":1188.485,"end":1188.7251,"confidence":0.92944336,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":-0.04354328289628029},{"word":"and","start":1188.7251,"end":1188.9651,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010185860097408296},{"word":"i","start":1188.9651,"end":1189.125,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003932356834411621},{"word":"get","start":1189.125,"end":1189.365,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.006801493465900421},{"word":"that","start":1189.365,"end":1189.605,"confidence":0.9970703,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06423714011907578},{"word":"it's","start":1189.605,"end":1189.8451,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.15886788070201874},{"word":"okay","start":1189.8451,"end":1190.3451,"confidence":0.95825195,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.132462739944458},{"word":"but","start":1190.74,"end":1190.98,"confidence":0.98291016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0729781910777092},{"word":"i","start":1190.98,"end":1191.0599,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13348594307899475},{"word":"still","start":1191.0599,"end":1191.2999,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.19293969869613647},{"word":"wanna","start":1191.2999,"end":1191.5399,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1180826872587204},{"word":"make","start":1191.5399,"end":1191.7,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.10740171372890472},{"word":"sure","start":1191.7,"end":1191.86,"confidence":0.9970703,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.11922645568847656},{"word":"things","start":1191.86,"end":1192.1,"confidence":0.9902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.1498422622680664},{"word":"are","start":1192.1,"end":1192.26,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.16042830049991608},{"word":"working","start":1192.26,"end":1192.5,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.13396024703979492},{"word":"harder","start":1192.5,"end":1192.82,"confidence":0.99902344,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.1454072743654251},{"word":"for","start":1192.82,"end":1192.98,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12819385528564453},{"word":"you","start":1192.98,"end":1193.22,"confidence":0.9951172,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.025974705815315247},{"word":"so","start":1193.22,"end":1193.46,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0008189231157302856},{"word":"as","start":1193.46,"end":1193.7,"confidence":0.94921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04910685122013092},{"word":"your","start":1193.7,"end":1193.94,"confidence":0.87841797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05748511850833893},{"word":"adviser","start":1193.94,"end":1194.44,"confidence":0.90063477,"punctuated_word":"adviser,","sentiment":"neutral","sentiment_score":-0.030207201838493347},{"word":"if","start":1194.58,"end":1194.74,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.058708883821964264},{"word":"i","start":1194.74,"end":1194.82,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09188483655452728},{"word":"find","start":1194.82,"end":1195.14,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.07484303414821625},{"word":"that","start":1195.14,"end":1195.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1402263343334198},{"word":"things","start":1195.38,"end":1195.7,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.240074560046196},{"word":"aren't","start":1195.7,"end":1195.86,"confidence":0.99658203,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.1824969947338104},{"word":"working","start":1195.86,"end":1196.1799,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.17333143949508667},{"word":"and","start":1196.1799,"end":1196.4199,"confidence":0.93847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17914782464504242},{"word":"our","start":1196.4199,"end":1196.6599,"confidence":0.9863281,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.16508948802947998},{"word":"fees","start":1196.6599,"end":1197.0599,"confidence":0.5708008,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.07029575854539871},{"word":"should","start":1197.0599,"end":1197.22,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.1839647591114044},{"word":"not","start":1197.22,"end":1197.46,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0979890301823616},{"word":"be","start":1197.46,"end":1197.62,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1454291790723801},{"word":"applied","start":1197.62,"end":1198.0199,"confidence":0.99902344,"punctuated_word":"applied,","sentiment":"neutral","sentiment_score":-0.0764775425195694},{"word":"i","start":1198.0199,"end":1198.1799,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15163283050060272},{"word":"will","start":1198.1799,"end":1198.4199,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.11533576250076294},{"word":"go","start":1198.4199,"end":1198.58,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1941654086112976},{"word":"into","start":1198.58,"end":1198.8999,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.17898285388946533},{"word":"that","start":1198.8999,"end":1199.14,"confidence":0.8210449,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.06421126425266266},{"word":"and","start":1199.14,"end":1199.38,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0788833349943161},{"word":"i","start":1199.38,"end":1199.46,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11311689019203186},{"word":"will","start":1199.46,"end":1199.7799,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.10223019123077393},{"word":"fight","start":1199.7799,"end":1199.94,"confidence":0.9902344,"punctuated_word":"fight","sentiment":"neutral","sentiment_score":-0.2650804817676544},{"word":"a","start":1199.94,"end":1200.1,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09350042045116425},{"word":"lot","start":1200.1,"end":1200.26,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.19477017223834991},{"word":"harder","start":1200.26,"end":1200.6599,"confidence":1.0,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.21713566780090332},{"word":"for","start":1200.6599,"end":1200.82,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13452176749706268},{"word":"you","start":1200.82,"end":1200.98,"confidence":0.9909668,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.039166972041130066},{"word":"but","start":1200.98,"end":1201.48,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.26246923208236694},{"word":"right","start":1201.5399,"end":1201.7,"confidence":0.9472656,"punctuated_word":"right","sentiment":"positive","sentiment_score":0.34976351261138916},{"word":"now","start":1201.7,"end":1201.94,"confidence":0.83447266,"punctuated_word":"now,","sentiment":"positive","sentiment_score":0.39504554867744446},{"word":"you're","start":1201.94,"end":1202.1799,"confidence":1.0,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5914174318313599},{"word":"making","start":1202.1799,"end":1202.5,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.6600115299224854},{"word":"money","start":1202.5,"end":1202.74,"confidence":0.9526367,"punctuated_word":"money.","sentiment":"positive","sentiment_score":0.5948481559753418},{"word":"you're","start":1202.74,"end":1202.98,"confidence":1.0,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.7983158826828003},{"word":"doing","start":1202.98,"end":1203.14,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7249718904495239},{"word":"really","start":1203.14,"end":1203.38,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.789510190486908},{"word":"well","start":1203.38,"end":1203.62,"confidence":0.94677734,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6337664127349854},{"word":"even","start":1203.62,"end":1203.94,"confidence":1.0,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.169354185461998},{"word":"in","start":1203.94,"end":1204.1,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.053938671946525574},{"word":"a","start":1204.1,"end":1204.1799,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07461381703615189},{"word":"really","start":1204.1799,"end":1204.4199,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.23154617846012115},{"word":"crazy","start":1204.4199,"end":1204.8999,"confidence":0.9980469,"punctuated_word":"crazy","sentiment":"neutral","sentiment_score":-0.2364623099565506},{"word":"volatile","start":1204.8999,"end":1205.295,"confidence":0.89453125,"punctuated_word":"volatile","sentiment":"neutral","sentiment_score":-0.3006323575973511},{"word":"time","start":1205.295,"end":1205.535,"confidence":0.9875488,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.2621074318885803},{"word":"we","start":1205.535,"end":1205.775,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14059007167816162},{"word":"saw","start":1205.775,"end":1206.015,"confidence":0.98535156,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.10733433067798616},{"word":"some","start":1206.015,"end":1206.415,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.25011441111564636},{"word":"really","start":1206.415,"end":1206.895,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.3696308434009552},{"word":"hectic","start":1206.895,"end":1207.395,"confidence":1.0,"punctuated_word":"hectic","sentiment":"negative","sentiment_score":-0.40989336371421814},{"word":"changes","start":1207.775,"end":1208.255,"confidence":0.89990234,"punctuated_word":"changes","sentiment":"negative","sentiment_score":-0.4223853647708893},{"word":"and","start":1208.255,"end":1208.735,"confidence":0.9707031,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4113260507583618},{"word":"drops","start":1208.735,"end":1209.055,"confidence":0.9550781,"punctuated_word":"drops","sentiment":"negative","sentiment_score":-0.3807360529899597},{"word":"in","start":1209.055,"end":1209.2151,"confidence":0.9194336,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3701441287994385},{"word":"the","start":1209.2151,"end":1209.375,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4577319025993347},{"word":"market","start":1209.375,"end":1209.775,"confidence":0.99316406,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3721944987773895},{"word":"this","start":1209.775,"end":1209.935,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.29150187969207764},{"word":"year","start":1209.935,"end":1210.415,"confidence":0.95874023,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.26728135347366333},{"word":"especially","start":1210.415,"end":1210.895,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.18291738629341123},{"word":"around","start":1210.895,"end":1211.2151,"confidence":0.9667969,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.27895432710647583},{"word":"march","start":1211.2151,"end":1212.0151,"confidence":0.80015343,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.18609344959259033},{"word":"2728","start":1212.0151,"end":1212.8152,"confidence":0.80015343,"punctuated_word":"2728","sentiment":"neutral","sentiment_score":-0.15509214997291565},{"word":"with","start":1212.8151,"end":1213.055,"confidence":0.8154297,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.274463415145874},{"word":"what","start":1213.055,"end":1213.2151,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2256365716457367},{"word":"was","start":1213.2151,"end":1213.375,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.21904680132865903},{"word":"happening","start":1213.375,"end":1213.8551,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.23551903665065765},{"word":"overseas","start":1213.8551,"end":1214.3551,"confidence":0.94799805,"punctuated_word":"overseas.","sentiment":"neutral","sentiment_score":-0.2230410873889923},{"word":"so","start":1214.495,"end":1214.995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21828462183475497},{"word":"your","start":1215.375,"end":1215.535,"confidence":0.5385742,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5161739587783813},{"word":"portfolio's","start":1215.535,"end":1216.035,"confidence":0.45581055,"punctuated_word":"portfolio's","sentiment":"positive","sentiment_score":0.4447642266750336},{"word":"weather","start":1216.5751,"end":1216.895,"confidence":0.5180664,"punctuated_word":"weather","sentiment":"positive","sentiment_score":0.5395988821983337},{"word":"the","start":1216.895,"end":1217.055,"confidence":0.8310547,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.421540230512619},{"word":"storm","start":1217.055,"end":1217.4551,"confidence":1.0,"punctuated_word":"storm","sentiment":"neutral","sentiment_score":0.2897087335586548},{"word":"really","start":1217.4551,"end":1217.6951,"confidence":0.9748535,"punctuated_word":"really,","sentiment":"positive","sentiment_score":0.5039929747581482},{"word":"really","start":1217.6951,"end":1217.935,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5736038088798523},{"word":"nicely","start":1217.935,"end":1218.435,"confidence":0.9995117,"punctuated_word":"nicely.","sentiment":"positive","sentiment_score":0.36515024304389954},{"word":"have","start":1220.3,"end":1220.54,"confidence":0.9838867,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.01384776458144188},{"word":"i","start":1220.54,"end":1220.7001,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03992101550102234},{"word":"ever","start":1220.7001,"end":1220.9401,"confidence":0.9819336,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.06143957749009133},{"word":"sort","start":1220.9401,"end":1221.26,"confidence":0.9741211,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03095873072743416},{"word":"of","start":1221.26,"end":1221.42,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03863484412431717},{"word":"explained","start":1221.42,"end":1221.9,"confidence":0.98828125,"punctuated_word":"explained","sentiment":"neutral","sentiment_score":0.026203006505966187},{"word":"to","start":1221.9,"end":1221.98,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03086988627910614},{"word":"you","start":1221.98,"end":1222.22,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01326937973499298},{"word":"have","start":1222.38,"end":1222.88,"confidence":0.4428711,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024267831817269325},{"word":"about","start":1223.74,"end":1224.06,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0469697006046772},{"word":"the","start":1224.06,"end":1224.3,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06948000192642212},{"word":"vix","start":1224.3,"end":1224.54,"confidence":0.9814453,"punctuated_word":"VIX","sentiment":"neutral","sentiment_score":0.02403176948428154},{"word":"index","start":1224.54,"end":1225.02,"confidence":0.85498047,"punctuated_word":"index?","sentiment":"neutral","sentiment_score":0.03685467690229416},{"word":"this","start":1225.02,"end":1225.18,"confidence":0.94384766,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.0296868234872818},{"word":"might","start":1225.18,"end":1225.3401,"confidence":0.9970703,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05177585408091545},{"word":"be","start":1225.3401,"end":1225.5,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.053950488567352295},{"word":"something","start":1225.5,"end":1225.8201,"confidence":0.9941406,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0389927439391613},{"word":"that's","start":1225.8201,"end":1225.98,"confidence":0.9736328,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.029466524720191956},{"word":"kind","start":1225.98,"end":1226.22,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.034109339118003845},{"word":"of","start":1226.22,"end":1226.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.049859534949064255},{"word":"interesting","start":1226.38,"end":1226.88,"confidence":0.99902344,"punctuated_word":"interesting","sentiment":"neutral","sentiment_score":0.0755821019411087},{"word":"to","start":1226.9401,"end":1227.1,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06696611642837524},{"word":"you","start":1227.1,"end":1227.6,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.040757566690444946},{"word":"have","start":1227.74,"end":1227.98,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.0014448538422584534},{"word":"you","start":1227.98,"end":1228.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009797153994441032},{"word":"ever","start":1228.14,"end":1228.4601,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.015232522040605543},{"word":"seen","start":1228.4601,"end":1228.7001,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.016381602734327316},{"word":"or","start":1228.7001,"end":1228.86,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01320614293217659},{"word":"heard","start":1228.86,"end":1229.1,"confidence":1.0,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.00031379610300064087},{"word":"about","start":1229.1,"end":1229.3401,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.011733753606677055},{"word":"what","start":1229.3401,"end":1229.5,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0064886994659900665},{"word":"the","start":1229.5,"end":1229.66,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011120010167360306},{"word":"vix","start":1229.66,"end":1230.06,"confidence":0.99902344,"punctuated_word":"VIX","sentiment":"neutral","sentiment_score":-0.0001007337123155594},{"word":"index","start":1230.06,"end":1230.4601,"confidence":0.9941406,"punctuated_word":"index","sentiment":"neutral","sentiment_score":-0.002221815288066864},{"word":"is","start":1230.4601,"end":1230.9601,"confidence":0.99609375,"punctuated_word":"is?","sentiment":"neutral","sentiment_score":0.00680485088378191},{"word":"no","start":1232.505,"end":1232.745,"confidence":0.970459,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03755411505699158},{"word":"so","start":1232.745,"end":1233.145,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01616872474551201},{"word":"the","start":1233.145,"end":1233.305,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038292296230793},{"word":"vix","start":1233.305,"end":1233.545,"confidence":0.99853516,"punctuated_word":"VIX","sentiment":"neutral","sentiment_score":0.007819369435310364},{"word":"index","start":1233.545,"end":1234.025,"confidence":0.8774414,"punctuated_word":"index,","sentiment":"neutral","sentiment_score":0.012542583048343658},{"word":"the","start":1234.025,"end":1234.185,"confidence":0.9086914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038710981607437134},{"word":"bix","start":1234.185,"end":1234.685,"confidence":0.72265625,"punctuated_word":"BIX","sentiment":"neutral","sentiment_score":0.03336457163095474},{"word":"index","start":1234.8251,"end":1235.225,"confidence":0.9343262,"punctuated_word":"index,","sentiment":"neutral","sentiment_score":0.007782703265547752},{"word":"essentially","start":1235.225,"end":1235.725,"confidence":0.96533203,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.02645881101489067},{"word":"tracks","start":1235.865,"end":1236.345,"confidence":0.9243164,"punctuated_word":"tracks","sentiment":"neutral","sentiment_score":-0.000643804669380188},{"word":"market","start":1236.345,"end":1236.745,"confidence":0.9428711,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.022725053131580353},{"word":"volatility","start":1236.745,"end":1237.245,"confidence":0.99658203,"punctuated_word":"volatility.","sentiment":"neutral","sentiment_score":-0.01013866811990738},{"word":"if","start":1237.865,"end":1238.025,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.13828232884407043},{"word":"you","start":1238.025,"end":1238.185,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13916970789432526},{"word":"ever","start":1238.185,"end":1238.425,"confidence":0.9970703,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.1337677240371704},{"word":"get","start":1238.425,"end":1238.665,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14378657937049866},{"word":"a","start":1238.665,"end":1238.745,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1408086121082306},{"word":"chance","start":1238.745,"end":1239.0651,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.13726282119750977},{"word":"to","start":1239.0651,"end":1239.145,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13748830556869507},{"word":"look","start":1239.145,"end":1239.465,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1084202378988266},{"word":"at","start":1239.465,"end":1239.545,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11642616242170334},{"word":"it","start":1239.545,"end":1239.705,"confidence":0.9663086,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1701589822769165},{"word":"it's","start":1239.705,"end":1239.9451,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24685516953468323},{"word":"kind","start":1239.9451,"end":1240.185,"confidence":0.98291016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2445853650569916},{"word":"of","start":1240.185,"end":1240.345,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2679435610771179},{"word":"exciting","start":1240.345,"end":1240.845,"confidence":0.80249023,"punctuated_word":"exciting,","sentiment":"neutral","sentiment_score":0.2893204391002655},{"word":"kinda","start":1240.905,"end":1241.225,"confidence":0.82177734,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.30331242084503174},{"word":"cool","start":1241.225,"end":1241.465,"confidence":0.92285156,"punctuated_word":"cool,","sentiment":"neutral","sentiment_score":0.23101119697093964},{"word":"but","start":1241.465,"end":1241.965,"confidence":0.9921875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17722374200820923},{"word":"it","start":1242.345,"end":1242.505,"confidence":0.7871094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2062434554100037},{"word":"works","start":1242.505,"end":1242.745,"confidence":0.97998047,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.16384035348892212},{"word":"in","start":1242.745,"end":1242.905,"confidence":0.6660156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11152614653110504},{"word":"the","start":1242.905,"end":1243.0651,"confidence":0.9716797,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04429116100072861},{"word":"us","start":1243.0651,"end":1243.385,"confidence":0.9921875,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.061190858483314514},{"word":"stock","start":1243.385,"end":1243.625,"confidence":0.9111328,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":0.08067522197961807},{"word":"market","start":1243.625,"end":1243.9451,"confidence":0.7470703,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.12510055303573608},{"word":"essentially","start":1243.9451,"end":1244.4451,"confidence":0.97094727,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.1127919778227806},{"word":"but","start":1244.505,"end":1244.665,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08973272144794464},{"word":"whenever","start":1244.665,"end":1244.985,"confidence":0.9921875,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.058744750916957855},{"word":"the","start":1244.985,"end":1245.385,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09173672646284103},{"word":"vix","start":1245.385,"end":1245.625,"confidence":0.9909668,"punctuated_word":"VIX","sentiment":"neutral","sentiment_score":0.041561588644981384},{"word":"index","start":1245.625,"end":1245.9451,"confidence":0.9970703,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.029683470726013184},{"word":"is","start":1245.9451,"end":1246.185,"confidence":0.9506836,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05422194302082062},{"word":"over","start":1246.185,"end":1246.425,"confidence":0.94384766,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06649519503116608},{"word":"20%","start":1246.425,"end":1247.25,"confidence":0.9602051,"punctuated_word":"20%,","sentiment":"neutral","sentiment_score":0.12312442064285278},{"word":"it","start":1247.25,"end":1247.49,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09751398116350174},{"word":"means","start":1247.49,"end":1247.81,"confidence":0.9980469,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.04334871470928192},{"word":"that","start":1247.81,"end":1247.97,"confidence":0.8984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05877378582954407},{"word":"over","start":1247.97,"end":1248.13,"confidence":0.9951172,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.10466034710407256},{"word":"the","start":1248.13,"end":1248.29,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08344997465610504},{"word":"next","start":1248.29,"end":1248.61,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.044661104679107666},{"word":"thirty","start":1248.61,"end":1248.93,"confidence":0.9980469,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.10055433958768845},{"word":"days","start":1248.93,"end":1249.33,"confidence":0.94091797,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.08014670759439468},{"word":"you","start":1249.33,"end":1249.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10872124135494232},{"word":"can","start":1249.49,"end":1249.73,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05855017900466919},{"word":"expect","start":1249.73,"end":1250.21,"confidence":0.99902344,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.004296287894248962},{"word":"high","start":1250.21,"end":1250.61,"confidence":0.9863281,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.010929182171821594},{"word":"volatility","start":1250.61,"end":1251.11,"confidence":0.9301758,"punctuated_word":"volatility.","sentiment":"neutral","sentiment_score":0.005740299820899963},{"word":"and","start":1251.81,"end":1251.89,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09193596988916396},{"word":"in","start":1251.89,"end":1252.13,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12158621847629549},{"word":"around","start":1252.13,"end":1252.53,"confidence":0.9526367,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.16651466488838196},{"word":"march","start":1252.53,"end":1252.85,"confidence":0.99365234,"punctuated_word":"March,","sentiment":"neutral","sentiment_score":0.1528499722480774},{"word":"it","start":1252.85,"end":1252.93,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16253754496574402},{"word":"got","start":1252.93,"end":1253.17,"confidence":0.95947266,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.20380908250808716},{"word":"up","start":1253.17,"end":1253.33,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.191980242729187},{"word":"to","start":1253.33,"end":1253.49,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23598477244377136},{"word":"31.65%","start":1253.49,"end":1255.41,"confidence":0.9550374,"punctuated_word":"31.65%.","sentiment":"neutral","sentiment_score":0.2082594931125641},{"word":"so","start":1255.41,"end":1255.53,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17724627256393433},{"word":"it","start":1255.53,"end":1255.65,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19214308261871335},{"word":"was","start":1255.65,"end":1255.89,"confidence":0.734375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.16661489009857178},{"word":"pretty","start":1255.89,"end":1256.29,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.26322999596595764},{"word":"high","start":1256.29,"end":1256.79,"confidence":0.92993164,"punctuated_word":"high.","sentiment":"neutral","sentiment_score":0.2196623533964157},{"word":"but","start":1257.17,"end":1257.33,"confidence":0.7973633,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15386620163917542},{"word":"whenever","start":1257.33,"end":1257.73,"confidence":0.9980469,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.11642984300851822},{"word":"the","start":1257.73,"end":1257.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16730394959449768},{"word":"vix","start":1257.89,"end":1258.29,"confidence":0.9995117,"punctuated_word":"VIX","sentiment":"neutral","sentiment_score":0.07680204510688782},{"word":"index","start":1258.29,"end":1258.6901,"confidence":0.9970703,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.08580473065376282},{"word":"goes","start":1258.6901,"end":1259.01,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.1004154086112976},{"word":"down","start":1259.01,"end":1259.25,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.020626693964004517},{"word":"under","start":1259.25,"end":1259.49,"confidence":0.9560547,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.018296465277671817},{"word":"20%","start":1259.49,"end":1260.13,"confidence":0.9968262,"punctuated_word":"20%,","sentiment":"neutral","sentiment_score":0.1407955288887024},{"word":"it's","start":1260.13,"end":1260.37,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11023294925689696},{"word":"an","start":1260.37,"end":1260.53,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.056085050106048584},{"word":"indicator","start":1260.53,"end":1261.03,"confidence":0.9873047,"punctuated_word":"indicator","sentiment":"neutral","sentiment_score":0.08246353268623352},{"word":"that","start":1261.09,"end":1261.33,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02785368263721466},{"word":"markets","start":1261.33,"end":1261.73,"confidence":0.73828125,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.10524323582649232},{"word":"are","start":1261.73,"end":1261.97,"confidence":0.6328125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11101235449314116},{"word":"gonna","start":1261.97,"end":1262.21,"confidence":0.7402344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12494747340679167},{"word":"be","start":1262.21,"end":1262.37,"confidence":0.9770508,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0690554529428482},{"word":"fairly","start":1262.37,"end":1262.775,"confidence":0.99902344,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.15322083234786987},{"word":"stable","start":1262.775,"end":1263.095,"confidence":1.0,"punctuated_word":"stable","sentiment":"neutral","sentiment_score":0.044518500566482544},{"word":"for","start":1263.095,"end":1263.175,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.042473629117012024},{"word":"the","start":1263.175,"end":1263.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14591246843338013},{"word":"next","start":1263.255,"end":1263.655,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.12841948866844177},{"word":"sort","start":1263.655,"end":1263.735,"confidence":0.97314453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04184460639953613},{"word":"of","start":1263.735,"end":1263.895,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17289747297763824},{"word":"thirty","start":1263.895,"end":1264.215,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.20289000868797305},{"word":"days","start":1264.215,"end":1264.615,"confidence":0.99560547,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":-0.04234953224658966},{"word":"so","start":1264.615,"end":1265.115,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18911629915237427},{"word":"if","start":1265.415,"end":1265.655,"confidence":0.86279297,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2251276671886444},{"word":"you're","start":1265.655,"end":1265.895,"confidence":0.8588867,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20251892507076263},{"word":"ever","start":1265.895,"end":1266.135,"confidence":0.9941406,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.21841926872730255},{"word":"sort","start":1266.135,"end":1266.295,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.16217784583568573},{"word":"of","start":1266.295,"end":1266.4551,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16888298094272614},{"word":"looking","start":1266.4551,"end":1266.775,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.16954058408737183},{"word":"at","start":1266.775,"end":1266.855,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17376577854156494},{"word":"things","start":1266.855,"end":1267.095,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1634988933801651},{"word":"and","start":1267.095,"end":1267.3351,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10527551174163818},{"word":"hearing","start":1267.3351,"end":1267.655,"confidence":1.0,"punctuated_word":"hearing","sentiment":"neutral","sentiment_score":0.09899009764194489},{"word":"a","start":1267.655,"end":1267.735,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17897330224514008},{"word":"lot","start":1267.735,"end":1267.8151,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1630924940109253},{"word":"of","start":1267.8151,"end":1267.895,"confidence":0.74560547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.185968816280365},{"word":"in","start":1267.895,"end":1268.055,"confidence":0.49804688,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15697011351585388},{"word":"the","start":1268.055,"end":1268.215,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18782778084278107},{"word":"news","start":1268.215,"end":1268.4551,"confidence":0.99902344,"punctuated_word":"news","sentiment":"neutral","sentiment_score":0.15582966804504397},{"word":"of","start":1268.4551,"end":1268.615,"confidence":0.8095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1597573608160019},{"word":"what's","start":1268.615,"end":1268.935,"confidence":0.99853516,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.1543966382741928},{"word":"happening","start":1268.935,"end":1269.255,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.18780748546123505},{"word":"there","start":1269.255,"end":1269.495,"confidence":0.9926758,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.22597843408584595},{"word":"you","start":1269.495,"end":1269.655,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4295564889907837},{"word":"always","start":1269.655,"end":1269.975,"confidence":0.7319336,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.5031634569168091},{"word":"welcome","start":1269.975,"end":1270.375,"confidence":0.5883789,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.5672924518585205},{"word":"to","start":1270.375,"end":1270.615,"confidence":0.9614258,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.48108333349227905},{"word":"pull","start":1270.615,"end":1270.775,"confidence":0.96240234,"punctuated_word":"pull","sentiment":"positive","sentiment_score":0.4774594008922577},{"word":"up","start":1270.775,"end":1270.855,"confidence":0.8691406,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3525376319885254},{"word":"the","start":1270.855,"end":1271.015,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4789398908615112},{"word":"vix","start":1271.015,"end":1271.3351,"confidence":0.9584961,"punctuated_word":"VIX","sentiment":"neutral","sentiment_score":0.24292998015880585},{"word":"index","start":1271.3351,"end":1271.655,"confidence":0.8964844,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.3277302086353302},{"word":"and","start":1271.655,"end":1271.8151,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24504972994327545},{"word":"have","start":1271.8151,"end":1271.975,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2771751582622528},{"word":"a","start":1271.975,"end":1272.055,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35017114877700806},{"word":"bit","start":1272.055,"end":1272.215,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3220890164375305},{"word":"of","start":1272.215,"end":1272.295,"confidence":0.99121094,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39464905858039856},{"word":"a","start":1272.295,"end":1272.4551,"confidence":0.9394531,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35677435994148254},{"word":"look","start":1272.4551,"end":1272.615,"confidence":0.9951172,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.26029911637306213},{"word":"at","start":1272.615,"end":1272.6951,"confidence":0.94970703,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.33431291580200195},{"word":"where","start":1272.6951,"end":1272.935,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.32375237345695496},{"word":"it's","start":1272.935,"end":1273.095,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.34432077407836914},{"word":"tracking","start":1273.095,"end":1273.495,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.2739509642124176},{"word":"and","start":1273.495,"end":1273.655,"confidence":0.8251953,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34346044063568115},{"word":"what","start":1273.655,"end":1273.895,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4237324297428131},{"word":"it's","start":1273.895,"end":1274.055,"confidence":0.986084,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.30468881130218506},{"word":"sort","start":1274.055,"end":1274.295,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2146875113248825},{"word":"of","start":1274.295,"end":1274.4551,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24857831001281736},{"word":"doing","start":1274.4551,"end":1274.6951,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.31002044677734375},{"word":"over","start":1274.6951,"end":1274.935,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2437002658843994},{"word":"the","start":1274.935,"end":1275.175,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18675729632377625},{"word":"past","start":1275.175,"end":1275.415,"confidence":0.9838867,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":0.16593512892723083},{"word":"you","start":1275.415,"end":1275.5751,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14512211084365845},{"word":"know","start":1275.5751,"end":1275.8151,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2213063687086105},{"word":"couple","start":1275.8151,"end":1276.055,"confidence":0.95703125,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2024451643228531},{"word":"of","start":1276.055,"end":1276.215,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24522295594215393},{"word":"days","start":1276.215,"end":1276.68,"confidence":0.7468262,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.2274702340364456},{"word":"and","start":1277.4801,"end":1277.64,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03943156450986862},{"word":"it","start":1277.64,"end":1277.88,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.044848278164863586},{"word":"kinda","start":1277.88,"end":1278.12,"confidence":0.9086914,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04087517410516739},{"word":"gives","start":1278.12,"end":1278.3601,"confidence":0.99121094,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.034596651792526245},{"word":"you","start":1278.3601,"end":1278.6001,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033176571130752563},{"word":"an","start":1278.6001,"end":1278.8401,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.02195759117603302},{"word":"index","start":1278.8401,"end":1279.3401,"confidence":0.99902344,"punctuated_word":"index.","sentiment":"neutral","sentiment_score":0.016585148870944977},{"word":"so","start":1280.3601,"end":1280.68,"confidence":0.8432617,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03830737993121147},{"word":"20%","start":1280.68,"end":1281.4801,"confidence":0.9995117,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.07048259675502777},{"word":"is","start":1281.4801,"end":1281.8,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03537115454673767},{"word":"kind","start":1281.8,"end":1282.04,"confidence":0.9819336,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04377609118819237},{"word":"of","start":1282.04,"end":1282.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04592179507017136},{"word":"the","start":1282.28,"end":1282.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04111083596944809},{"word":"the","start":1283.3201,"end":1283.8201,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028077464550733566},{"word":"the","start":1284.04,"end":1284.2001,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023435551673173904},{"word":"line","start":1284.2001,"end":1284.6001,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.034513041377067566},{"word":"of","start":1284.6001,"end":1284.8401,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04764123260974884},{"word":"where","start":1284.8401,"end":1285.0801,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.02967015840113163},{"word":"you","start":1285.0801,"end":1285.2401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037023477256298065},{"word":"go","start":1285.2401,"end":1285.4801,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03745242953300476},{"word":"from","start":1285.4801,"end":1285.8,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.044249027967453},{"word":"volatility","start":1285.8,"end":1286.3,"confidence":0.9970703,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.02246718294918537},{"word":"to","start":1286.3601,"end":1286.6001,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011665504425764084},{"word":"stable","start":1286.6001,"end":1287.1001,"confidence":0.99609375,"punctuated_word":"stable.","sentiment":"neutral","sentiment_score":0.03613235428929329},{"word":"yep","start":1293.225,"end":1293.725,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04965853691101074},{"word":"you're","start":1294.905,"end":1295.145,"confidence":0.94384766,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.14008790254592896},{"word":"expecting","start":1295.145,"end":1295.645,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.13542787730693817},{"word":"some","start":1295.705,"end":1295.945,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0984242632985115},{"word":"stability","start":1295.945,"end":1296.445,"confidence":0.94018555,"punctuated_word":"stability.","sentiment":"neutral","sentiment_score":0.09431464225053789},{"word":"yeah","start":1296.825,"end":1297.325,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12175820767879486},{"word":"yeah","start":1297.385,"end":1297.885,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1288924515247345},{"word":"it's","start":1298.185,"end":1298.425,"confidence":0.9875488,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.24171793460845947},{"word":"just","start":1298.425,"end":1298.585,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25575000047683716},{"word":"a","start":1298.585,"end":1298.745,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28965333104133606},{"word":"really","start":1298.745,"end":1298.905,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4367488920688629},{"word":"cool","start":1298.905,"end":1299.145,"confidence":0.9951172,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.40505489706993103},{"word":"indicator","start":1299.145,"end":1299.645,"confidence":1.0,"punctuated_word":"indicator","sentiment":"positive","sentiment_score":0.3638686537742615},{"word":"of","start":1299.785,"end":1299.945,"confidence":0.54248047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25393638014793396},{"word":"kind","start":1299.945,"end":1300.105,"confidence":0.6455078,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.30808237195014954},{"word":"of","start":1300.105,"end":1300.185,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3291231393814087},{"word":"being","start":1300.185,"end":1300.685,"confidence":0.97314453,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.2863605320453644},{"word":"usually","start":1301.625,"end":1302.025,"confidence":0.46813965,"punctuated_word":"usually,","sentiment":"neutral","sentiment_score":0.33167606592178345},{"word":"like","start":1302.025,"end":1302.265,"confidence":0.72265625,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2548239231109619},{"word":"some","start":1302.265,"end":1302.425,"confidence":0.82958984,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2901301085948944},{"word":"of","start":1302.425,"end":1302.585,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2945221960544586},{"word":"the","start":1302.585,"end":1302.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29456862807273865},{"word":"indicators","start":1302.745,"end":1303.225,"confidence":1.0,"punctuated_word":"indicators","sentiment":"neutral","sentiment_score":0.1946074515581131},{"word":"that","start":1303.225,"end":1303.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24753928184509277},{"word":"we","start":1303.385,"end":1303.625,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23377420008182528},{"word":"use","start":1303.625,"end":1303.785,"confidence":0.95166016,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.25329601764678955},{"word":"to","start":1303.785,"end":1303.945,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2790489196777344},{"word":"sorta","start":1303.945,"end":1304.34,"confidence":0.8869629,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.32637155055999756},{"word":"help","start":1304.4199,"end":1304.58,"confidence":0.99902344,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.334002286195755},{"word":"everyone","start":1304.58,"end":1304.9,"confidence":0.99902344,"punctuated_word":"everyone","sentiment":"positive","sentiment_score":0.38760480284690857},{"word":"so","start":1304.9,"end":1305.22,"confidence":0.85498047,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3337440490722656},{"word":"that","start":1305.22,"end":1305.2999,"confidence":0.9580078,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3394325077533722},{"word":"people","start":1305.2999,"end":1305.62,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.32342734932899475},{"word":"have","start":1305.62,"end":1305.7799,"confidence":0.9970703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3668454885482788},{"word":"got","start":1305.7799,"end":1305.94,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3777938485145569},{"word":"something","start":1305.94,"end":1306.26,"confidence":0.9980469,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.38126614689826965},{"word":"they","start":1306.26,"end":1306.4199,"confidence":0.98535156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.31024396419525146},{"word":"can","start":1306.4199,"end":1306.58,"confidence":0.9970703,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3543716073036194},{"word":"kinda","start":1306.58,"end":1306.9,"confidence":0.92822266,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.30616873502731323},{"word":"go","start":1306.9,"end":1307.14,"confidence":0.9951172,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.29293951392173767},{"word":"to","start":1307.14,"end":1307.38,"confidence":0.9536133,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3727163076400757},{"word":"or","start":1307.38,"end":1307.88,"confidence":0.91015625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.304993599653244},{"word":"a","start":1307.94,"end":1308.1799,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3133174777030945},{"word":"little","start":1308.1799,"end":1308.34,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.27845579385757446},{"word":"bit","start":1308.34,"end":1308.58,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2969353497028351},{"word":"of","start":1308.58,"end":1308.74,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31769031286239624},{"word":"guidance","start":1308.74,"end":1309.14,"confidence":0.99609375,"punctuated_word":"guidance","sentiment":"neutral","sentiment_score":0.2430558055639267},{"word":"there","start":1309.14,"end":1309.5399,"confidence":0.9123535,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2993919849395752},{"word":"part","start":1309.5399,"end":1309.7799,"confidence":0.97265625,"punctuated_word":"Part","sentiment":"positive","sentiment_score":0.3644689917564392},{"word":"of","start":1309.7799,"end":1310.02,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36146605014801025},{"word":"my","start":1310.02,"end":1310.1799,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3858150541782379},{"word":"job","start":1310.1799,"end":1310.4199,"confidence":1.0,"punctuated_word":"job","sentiment":"neutral","sentiment_score":0.30116045475006104},{"word":"is","start":1310.4199,"end":1310.6599,"confidence":0.97265625,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.41947367787361145},{"word":"not","start":1310.6599,"end":1310.82,"confidence":0.9790039,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.32984045147895813},{"word":"just","start":1310.82,"end":1310.98,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2235431969165802},{"word":"about","start":1310.98,"end":1311.2999,"confidence":0.9980469,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.19890473783016205},{"word":"you","start":1311.2999,"end":1311.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1717512011528015},{"word":"know","start":1311.38,"end":1311.7,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.15706095099449158},{"word":"making","start":1311.7,"end":1311.94,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1824672818183899},{"word":"money","start":1311.94,"end":1312.26,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.25698530673980713},{"word":"for","start":1312.26,"end":1312.4199,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2954665720462799},{"word":"you","start":1312.4199,"end":1312.58,"confidence":0.9736328,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.28544265031814575},{"word":"i","start":1312.58,"end":1312.74,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5960246920585632},{"word":"do","start":1312.74,"end":1312.9,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.6158076524734497},{"word":"enjoy","start":1312.9,"end":1313.2999,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.6539731621742249},{"word":"the","start":1313.2999,"end":1313.46,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5967637896537781},{"word":"educational","start":1313.46,"end":1313.96,"confidence":0.99609375,"punctuated_word":"educational","sentiment":"positive","sentiment_score":0.6080756187438965},{"word":"value","start":1314.1799,"end":1314.58,"confidence":0.99902344,"punctuated_word":"value","sentiment":"positive","sentiment_score":0.5697504878044128},{"word":"as","start":1314.58,"end":1314.74,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5424842834472656},{"word":"well","start":1314.74,"end":1315.0599,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5764749646186829},{"word":"and","start":1315.0599,"end":1315.38,"confidence":0.9277344,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.39309391379356384},{"word":"you","start":1315.38,"end":1315.5399,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2946334481239319},{"word":"know","start":1315.5399,"end":1315.86,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.3008534908294678},{"word":"utilizing","start":1315.86,"end":1316.36,"confidence":0.99609375,"punctuated_word":"utilizing","sentiment":"positive","sentiment_score":0.39823484420776367},{"word":"and","start":1316.4199,"end":1316.58,"confidence":0.96435547,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35038554668426514},{"word":"passing","start":1316.58,"end":1316.98,"confidence":0.9536133,"punctuated_word":"passing","sentiment":"positive","sentiment_score":0.3889831602573395},{"word":"on","start":1316.98,"end":1317.0599,"confidence":0.93408203,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.41663289070129395},{"word":"some","start":1317.0599,"end":1317.22,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.35636433959007263},{"word":"of","start":1317.22,"end":1317.38,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4105208218097687},{"word":"the","start":1317.38,"end":1317.5399,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39217856526374817},{"word":"knowledge","start":1317.5399,"end":1317.86,"confidence":1.0,"punctuated_word":"knowledge","sentiment":"positive","sentiment_score":0.4705244302749634},{"word":"that","start":1317.86,"end":1318.02,"confidence":0.96972656,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43214306235313416},{"word":"i've","start":1318.02,"end":1318.1799,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4017221927642822},{"word":"been","start":1318.1799,"end":1318.34,"confidence":0.99902344,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.4057183563709259},{"word":"able","start":1318.34,"end":1318.6599,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3743011951446533},{"word":"to","start":1318.6599,"end":1318.9,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3645394742488861},{"word":"obtain","start":1318.9,"end":1319.38,"confidence":0.9760742,"punctuated_word":"obtain.","sentiment":"positive","sentiment_score":0.3550639748573303},{"word":"so","start":1319.38,"end":1319.805,"confidence":0.96191406,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.28773772716522217},{"word":"yes","start":1320.4451,"end":1320.765,"confidence":0.8486328,"punctuated_word":"yes,","sentiment":"positive","sentiment_score":0.381636381149292},{"word":"it's","start":1320.765,"end":1321.0851,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.43558287620544434},{"word":"kinda","start":1321.0851,"end":1321.3251,"confidence":0.90283203,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.42907601594924927},{"word":"cool","start":1321.3251,"end":1321.5651,"confidence":0.99902344,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.5532038807868958},{"word":"to","start":1321.5651,"end":1321.645,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.568207859992981},{"word":"have","start":1321.645,"end":1321.805,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.512235164642334},{"word":"a","start":1321.805,"end":1321.885,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5108838081359863},{"word":"look","start":1321.885,"end":1322.125,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4581749737262726},{"word":"at","start":1322.125,"end":1322.285,"confidence":0.75219727,"punctuated_word":"at,","sentiment":"positive","sentiment_score":0.5202611088752747},{"word":"especially","start":1322.285,"end":1322.685,"confidence":0.9951172,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.4165167808532715},{"word":"when","start":1322.685,"end":1322.925,"confidence":0.9941406,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3725947439670563},{"word":"you're","start":1322.925,"end":1323.0851,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.32963669300079346},{"word":"hearing","start":1323.0851,"end":1323.405,"confidence":1.0,"punctuated_word":"hearing","sentiment":"neutral","sentiment_score":0.25753429532051086},{"word":"a","start":1323.405,"end":1323.4851,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3108723759651184},{"word":"lot","start":1323.4851,"end":1323.645,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.23936215043067932},{"word":"of","start":1323.645,"end":1323.7251,"confidence":0.6303711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29204756021499634},{"word":"the","start":1323.7251,"end":1323.805,"confidence":0.89501953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2918320894241333},{"word":"news","start":1323.805,"end":1324.045,"confidence":0.9970703,"punctuated_word":"news","sentiment":"neutral","sentiment_score":0.22274662554264069},{"word":"or","start":1324.045,"end":1324.2051,"confidence":0.80322266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.22487470507621765},{"word":"people","start":1324.2051,"end":1324.525,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.24254164099693296},{"word":"saying","start":1324.525,"end":1324.765,"confidence":0.98828125,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.28712061047554016},{"word":"that","start":1324.765,"end":1325.005,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2830628454685211},{"word":"things","start":1325.005,"end":1325.245,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.20906679332256317},{"word":"are","start":1325.245,"end":1325.405,"confidence":0.9892578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3081650137901306},{"word":"going","start":1325.405,"end":1325.645,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3360075354576111},{"word":"up","start":1325.645,"end":1325.805,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2935405671596527},{"word":"and","start":1325.805,"end":1325.9651,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31616878509521484},{"word":"down","start":1325.9651,"end":1326.285,"confidence":0.984375,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.2702144384384155},{"word":"it","start":1326.285,"end":1326.3651,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.32082217931747437},{"word":"just","start":1326.3651,"end":1326.6051,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27625584602355957},{"word":"gives","start":1326.6051,"end":1326.765,"confidence":0.99609375,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.23599375784397125},{"word":"you","start":1326.765,"end":1327.265,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2977868616580963},{"word":"another","start":1327.3251,"end":1327.805,"confidence":0.9951172,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.23646706342697144},{"word":"sort","start":1327.805,"end":1327.9651,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.223306268453598},{"word":"of","start":1327.9651,"end":1328.125,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2941664457321167},{"word":"point","start":1328.125,"end":1328.4451,"confidence":0.9970703,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.21962730586528775},{"word":"to","start":1328.4451,"end":1328.525,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2924170196056366},{"word":"have","start":1328.525,"end":1328.765,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2147334516048431},{"word":"a","start":1328.765,"end":1328.8451,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.257360577583313},{"word":"look","start":1328.8451,"end":1329.005,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.18677164614200592},{"word":"at","start":1329.005,"end":1329.165,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2684650421142578},{"word":"if","start":1329.165,"end":1329.3251,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2760251462459564},{"word":"you","start":1329.3251,"end":1329.4851,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20062172412872312},{"word":"ever","start":1329.4851,"end":1329.7251,"confidence":0.9951172,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.20548015832901},{"word":"wanted","start":1329.7251,"end":1330.045,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1549585908651352},{"word":"to","start":1330.045,"end":1330.545,"confidence":0.9980469,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.16040745377540588},{"word":"okay","start":1330.685,"end":1331.185,"confidence":0.6616211,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11383609473705292},{"word":"easy","start":1333.24,"end":1333.74,"confidence":0.6168213,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.26857203245162964},{"word":"yeah","start":1333.88,"end":1334.38,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07972560822963715},{"word":"sure","start":1334.52,"end":1335.02,"confidence":0.99365234,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.04690025746822357},{"word":"sure","start":1335.72,"end":1336.22,"confidence":0.98999023,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.03323742002248764},{"word":"yep","start":1339.64,"end":1340.14,"confidence":0.8847656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.039252664893865585},{"word":"six","start":1344.68,"end":1344.92,"confidence":0.98828125,"punctuated_word":"Six","sentiment":"neutral","sentiment_score":0.014122466556727886},{"word":"100,000","start":1344.92,"end":1345.82,"confidence":0.99853516,"punctuated_word":"100,000.","sentiment":"neutral","sentiment_score":0.021340811625123024},{"word":"yep","start":1347.4451,"end":1347.9451,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23738282918930056},{"word":"yep","start":1348.005,"end":1348.3251,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2115130126476288},{"word":"yep","start":1348.3251,"end":1348.645,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.175700843334198},{"word":"so","start":1348.645,"end":1348.885,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08792444318532944},{"word":"600,000","start":1348.885,"end":1349.8451,"confidence":0.9949544,"punctuated_word":"600,000.","sentiment":"neutral","sentiment_score":0.10759634524583817},{"word":"so","start":1349.8451,"end":1350.245,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17584604024887085},{"word":"if","start":1350.245,"end":1350.3251,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.227632075548172},{"word":"we","start":1350.3251,"end":1350.485,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22665472328662872},{"word":"can","start":1350.485,"end":1350.5651,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22191153466701508},{"word":"get","start":1350.5651,"end":1350.7251,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24137087166309357},{"word":"your","start":1350.7251,"end":1350.885,"confidence":0.98291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27939364314079285},{"word":"balance","start":1350.885,"end":1351.2051,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.16278024017810822},{"word":"up","start":1351.2051,"end":1351.365,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2766951024532318},{"word":"to","start":1351.365,"end":1351.4451,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2997875511646271},{"word":"a","start":1351.4451,"end":1351.525,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24750328063964844},{"word":"million","start":1351.525,"end":1351.925,"confidence":0.9980469,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.21922816336154935},{"word":"dollars","start":1351.925,"end":1352.245,"confidence":0.99902344,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.1813603639602661},{"word":"or","start":1352.245,"end":1352.485,"confidence":0.9790039,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.25406771898269653},{"word":"even","start":1352.485,"end":1352.805,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.2674846947193146},{"word":"higher","start":1352.805,"end":1353.045,"confidence":0.9921875,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.3074321150779724},{"word":"than","start":1353.045,"end":1353.125,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.2936341464519501},{"word":"that","start":1353.125,"end":1353.365,"confidence":0.98583984,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.3052021861076355},{"word":"which","start":1353.365,"end":1353.525,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4849138855934143},{"word":"would","start":1353.525,"end":1353.685,"confidence":0.99316406,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5890080332756042},{"word":"be","start":1353.685,"end":1353.925,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6099531650543213},{"word":"fantastic","start":1353.925,"end":1354.425,"confidence":0.8798828,"punctuated_word":"fantastic,","sentiment":"positive","sentiment_score":0.5942638516426086},{"word":"and","start":1354.885,"end":1355.045,"confidence":0.82177734,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4247196316719055},{"word":"you've","start":1355.045,"end":1355.285,"confidence":0.8762207,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.421710342168808},{"word":"got","start":1355.285,"end":1355.685,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.25987574458122253},{"word":"plenty","start":1355.685,"end":1356.005,"confidence":0.8232422,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.23838050663471225},{"word":"of","start":1356.005,"end":1356.165,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.236034631729126},{"word":"time","start":1356.165,"end":1356.405,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.22481253743171692},{"word":"on","start":1356.405,"end":1356.485,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2352139353752136},{"word":"your","start":1356.485,"end":1356.7251,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2630389332771301},{"word":"side","start":1356.7251,"end":1356.9651,"confidence":0.9941406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.2428547739982605},{"word":"to","start":1356.9651,"end":1357.125,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24994498491287231},{"word":"be","start":1357.125,"end":1357.285,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2190956473350525},{"word":"able","start":1357.285,"end":1357.525,"confidence":0.9970703,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2409726530313492},{"word":"to","start":1357.525,"end":1357.6051,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2678714990615845},{"word":"do","start":1357.6051,"end":1357.765,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.27462220191955566},{"word":"that","start":1357.765,"end":1358.265,"confidence":0.7817383,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.23401328921318057},{"word":"essentially","start":1358.7251,"end":1359.125,"confidence":0.9470215,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.033655036240816116},{"word":"we","start":1359.125,"end":1359.285,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06318240612745285},{"word":"won't","start":1359.285,"end":1359.525,"confidence":0.859375,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.02739013358950615},{"word":"be","start":1359.525,"end":1359.685,"confidence":0.9873047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.001897912472486496},{"word":"charging","start":1359.685,"end":1360.0851,"confidence":0.97998047,"punctuated_word":"charging","sentiment":"neutral","sentiment_score":0.01882123574614525},{"word":"1.1%","start":1360.0851,"end":1361.685,"confidence":0.9916992,"punctuated_word":"1.1%","sentiment":"neutral","sentiment_score":0.007547939196228981},{"word":"of","start":1361.685,"end":1361.925,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011141464114189148},{"word":"that","start":1361.925,"end":1362.165,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03262249380350113},{"word":"balance","start":1362.165,"end":1362.5651,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.01228485256433487},{"word":"there","start":1362.5651,"end":1363.02,"confidence":0.96533203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.020900949835777283},{"word":"that","start":1363.5,"end":1363.74,"confidence":0.984375,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.013371817767620088},{"word":"is","start":1363.74,"end":1363.9,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004907902330160141},{"word":"capped","start":1363.9,"end":1364.22,"confidence":0.87353516,"punctuated_word":"capped","sentiment":"neutral","sentiment_score":0.02177758328616619},{"word":"at","start":1364.22,"end":1364.38,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02836296707391739},{"word":"$600,000","start":1364.38,"end":1365.92,"confidence":0.99975586,"punctuated_word":"$600,000.","sentiment":"neutral","sentiment_score":0.03826591372489929},{"word":"yeah","start":1366.06,"end":1366.56,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08495582640171051},{"word":"yeah","start":1367.42,"end":1367.92,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20135778188705444},{"word":"perfect","start":1368.38,"end":1368.88,"confidence":0.99316406,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.10922552645206451},{"word":"the","start":1370.06,"end":1370.3,"confidence":0.93603516,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09948016703128816},{"word":"other","start":1370.3,"end":1370.62,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08588151633739471},{"word":"documents","start":1370.62,"end":1371.1,"confidence":0.9951172,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.07823896408081055},{"word":"we","start":1371.1,"end":1371.26,"confidence":0.95166016,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0941612720489502},{"word":"will","start":1371.26,"end":1371.5,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09724344313144684},{"word":"have","start":1371.5,"end":1371.8201,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11542946845293044},{"word":"in","start":1371.8201,"end":1371.98,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09292525053024292},{"word":"that","start":1371.98,"end":1372.48,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1396225541830063},{"word":"doc","start":1372.7001,"end":1373.02,"confidence":0.17004395,"punctuated_word":"doc","sentiment":"neutral","sentiment_score":0.12262240052223206},{"word":"odoo","start":1373.34,"end":1373.74,"confidence":0.6937256,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.09594695270061492},{"word":"sign","start":1373.74,"end":1374.06,"confidence":0.38012695,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.06792400777339935},{"word":"pack","start":1374.06,"end":1374.38,"confidence":0.9873047,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.11787626892328262},{"word":"for","start":1374.38,"end":1374.54,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1595635712146759},{"word":"you","start":1374.54,"end":1374.86,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11663471162319183},{"word":"will","start":1374.86,"end":1375.02,"confidence":0.97509766,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.13820379972457886},{"word":"just","start":1375.02,"end":1375.26,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15290406346321106},{"word":"be","start":1375.26,"end":1375.42,"confidence":0.9165039,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17412728071212769},{"word":"our","start":1375.42,"end":1375.875,"confidence":0.9760742,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.18458765745162964},{"word":"updated","start":1376.035,"end":1376.355,"confidence":0.9902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12903662025928497},{"word":"financial","start":1376.355,"end":1376.855,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.10424278676509856},{"word":"service","start":1376.915,"end":1377.415,"confidence":0.99121094,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.10568968951702118},{"word":"guide","start":1377.555,"end":1377.795,"confidence":0.8232422,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.11704610288143158},{"word":"with","start":1377.795,"end":1377.9551,"confidence":0.7866211,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17360569536685944},{"word":"the","start":1377.9551,"end":1378.115,"confidence":0.28442383,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1549740582704544},{"word":"outline","start":1378.115,"end":1378.435,"confidence":0.44677734,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.15289470553398132},{"word":"of","start":1378.435,"end":1378.595,"confidence":0.19189453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14345991611480713},{"word":"everything","start":1378.595,"end":1378.915,"confidence":0.6503906,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.12166695296764374},{"word":"about","start":1378.915,"end":1379.155,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10769502073526382},{"word":"who","start":1379.155,"end":1379.315,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.07709311693906784},{"word":"we","start":1379.315,"end":1379.475,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1127345934510231},{"word":"are","start":1379.475,"end":1379.715,"confidence":0.99853516,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.10670290887355804},{"word":"what","start":1379.715,"end":1379.955,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11830545961856842},{"word":"we","start":1379.955,"end":1380.115,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12085185945034028},{"word":"do","start":1380.115,"end":1380.435,"confidence":1.0,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.12406422942876816},{"word":"how","start":1380.435,"end":1380.675,"confidence":0.9921875,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09292053431272508},{"word":"we","start":1380.675,"end":1380.835,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10181950777769087},{"word":"do","start":1380.835,"end":1380.995,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12678802013397217},{"word":"it","start":1380.995,"end":1381.395,"confidence":0.98168945,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14349406957626343},{"word":"it's","start":1381.395,"end":1381.635,"confidence":0.9230957,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1699710339307785},{"word":"got","start":1381.635,"end":1381.795,"confidence":0.9472656,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.19862304627895355},{"word":"all","start":1381.795,"end":1381.955,"confidence":0.9873047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1289897859096527},{"word":"my","start":1381.955,"end":1382.275,"confidence":0.98095703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1555909812450409},{"word":"licensing","start":1382.275,"end":1382.755,"confidence":0.9980469,"punctuated_word":"licensing","sentiment":"neutral","sentiment_score":0.07448108494281769},{"word":"information","start":1382.755,"end":1383.255,"confidence":0.99902344,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.08393411338329315},{"word":"in","start":1383.315,"end":1383.395,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15000267326831818},{"word":"there","start":1383.395,"end":1383.555,"confidence":0.9819336,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18464891612529755},{"word":"for","start":1383.555,"end":1383.795,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1704128235578537},{"word":"you","start":1383.795,"end":1383.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1557711660861969},{"word":"as","start":1383.955,"end":1384.115,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11511459946632384},{"word":"well","start":1384.115,"end":1384.615,"confidence":0.91186523,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1064833253622055},{"word":"and","start":1385.075,"end":1385.235,"confidence":0.96435547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0821244940161705},{"word":"then","start":1385.235,"end":1385.395,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07112503051757812},{"word":"we","start":1385.395,"end":1385.555,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11026691645383836},{"word":"do","start":1385.555,"end":1385.715,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1098584607243538},{"word":"also","start":1385.715,"end":1386.115,"confidence":0.97314453,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06670098006725311},{"word":"update","start":1386.115,"end":1386.615,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.08045366406440735},{"word":"often","start":1386.675,"end":1387.175,"confidence":0.9091797,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.07122602313756943},{"word":"just","start":1387.715,"end":1388.035,"confidence":0.8535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.096098855137825},{"word":"what's","start":1388.035,"end":1388.275,"confidence":0.9633789,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.09484874457120895},{"word":"called","start":1388.275,"end":1388.515,"confidence":0.9941406,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.07062312960624695},{"word":"the","start":1388.515,"end":1388.755,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11489714682102203},{"word":"tax","start":1388.755,"end":1389.03,"confidence":0.9550781,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1130664050579071},{"word":"file","start":1389.11,"end":1389.27,"confidence":0.7270508,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.05545700713992119},{"word":"opt","start":1389.27,"end":1389.51,"confidence":0.93408203,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.06657996773719788},{"word":"in","start":1389.51,"end":1389.67,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07772180438041687},{"word":"form","start":1389.67,"end":1389.99,"confidence":0.88305664,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.07151927053928375},{"word":"so","start":1389.99,"end":1390.15,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07563753426074982},{"word":"we","start":1390.15,"end":1390.39,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08596910536289215},{"word":"like","start":1390.39,"end":1390.55,"confidence":0.96875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10573415458202362},{"word":"to","start":1390.55,"end":1390.7101,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10819301009178162},{"word":"make","start":1390.7101,"end":1390.79,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08892279863357544},{"word":"sure","start":1390.79,"end":1391.03,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10166535526514052},{"word":"everyone","start":1391.03,"end":1391.35,"confidence":0.99902344,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.10785694420337676},{"word":"is","start":1391.35,"end":1391.43,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08601779490709305},{"word":"aware","start":1391.43,"end":1391.75,"confidence":0.7607422,"punctuated_word":"aware.","sentiment":"neutral","sentiment_score":0.10534002631902696},{"word":"we","start":1391.75,"end":1391.91,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09767050296068192},{"word":"do","start":1391.91,"end":1392.0701,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08442452549934387},{"word":"hold","start":1392.0701,"end":1392.31,"confidence":0.9921875,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.0905199944972992},{"word":"your","start":1392.31,"end":1392.55,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10355029255151749},{"word":"tax","start":1392.55,"end":1392.79,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.103484146296978},{"word":"phone","start":1392.79,"end":1393.03,"confidence":0.5151367,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.04872613400220871},{"word":"number","start":1393.03,"end":1393.43,"confidence":0.73657227,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.07649391144514084},{"word":"so","start":1393.43,"end":1393.5901,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08493684977293015},{"word":"we","start":1393.5901,"end":1393.8301,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09507015347480774},{"word":"go","start":1393.8301,"end":1393.99,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10214437544345856},{"word":"through","start":1393.99,"end":1394.15,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08894507586956024},{"word":"every","start":1394.15,"end":1394.47,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.10318775475025176},{"word":"so","start":1394.47,"end":1394.63,"confidence":0.984375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0931260585784912},{"word":"often","start":1394.63,"end":1395.03,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.09730274975299837},{"word":"and","start":1395.03,"end":1395.11,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1042812243103981},{"word":"just","start":1395.11,"end":1395.43,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09881728142499924},{"word":"update","start":1395.43,"end":1395.8301,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.06172339990735054},{"word":"the","start":1395.8301,"end":1396.0701,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09434264153242113},{"word":"authority","start":1396.0701,"end":1396.55,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.08756708353757858},{"word":"on","start":1396.55,"end":1396.7101,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10960277915000916},{"word":"that","start":1396.7101,"end":1396.9501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1228574961423874},{"word":"one","start":1396.9501,"end":1397.4501,"confidence":0.72680664,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.10423152893781662},{"word":"just","start":1397.67,"end":1397.91,"confidence":0.82177734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12428023666143416},{"word":"making","start":1397.91,"end":1398.23,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.11369693279266356},{"word":"sure","start":1398.23,"end":1398.47,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10907336324453354},{"word":"that","start":1398.47,"end":1398.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12401600182056428},{"word":"we're","start":1398.63,"end":1399.11,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.11585509032011032},{"word":"keeping","start":1399.11,"end":1399.51,"confidence":0.9980469,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.10340410470962524},{"word":"everyone's","start":1399.51,"end":1400.01,"confidence":0.9975586,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":0.1355060189962387},{"word":"information","start":1400.0701,"end":1400.47,"confidence":0.99902344,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1096300259232521},{"word":"at","start":1400.47,"end":1400.55,"confidence":0.68652344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1447945237159729},{"word":"the","start":1400.55,"end":1400.63,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13384254276752472},{"word":"forefront","start":1400.63,"end":1401.11,"confidence":0.66259766,"punctuated_word":"forefront,","sentiment":"neutral","sentiment_score":0.12383461743593216},{"word":"but","start":1401.11,"end":1401.35,"confidence":0.79248047,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11472297459840776},{"word":"making","start":1401.35,"end":1401.5901,"confidence":0.9980469,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.0757647156715393},{"word":"sure","start":1401.5901,"end":1401.75,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08501878380775452},{"word":"you're","start":1401.75,"end":1401.99,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10268314927816392},{"word":"aware","start":1401.99,"end":1402.23,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.07130107283592224},{"word":"of","start":1402.23,"end":1402.39,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09062553942203522},{"word":"the","start":1402.39,"end":1402.47,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07880790531635284},{"word":"information","start":1402.47,"end":1402.9501,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.06873531639575958},{"word":"we","start":1402.9501,"end":1403.11,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05918644741177559},{"word":"hold","start":1403.11,"end":1403.35,"confidence":0.9980469,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.0686475858092308},{"word":"on","start":1403.35,"end":1403.51,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0644831657409668},{"word":"you","start":1403.51,"end":1403.67,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09287181496620178},{"word":"as","start":1403.67,"end":1403.835,"confidence":0.83251953,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07767397910356522},{"word":"well","start":1403.835,"end":1404.335,"confidence":0.9975586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07399501651525497},{"word":"okay","start":1404.395,"end":1404.895,"confidence":0.96484375,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.04725680127739906},{"word":"yep","start":1405.995,"end":1406.495,"confidence":0.85302734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20465171337127688},{"word":"perfect","start":1406.635,"end":1407.135,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.476660817861557},{"word":"over","start":1407.6749,"end":1407.9149,"confidence":0.67822266,"punctuated_word":"Over","sentiment":"neutral","sentiment_score":0.1762690246105194},{"word":"the","start":1407.9149,"end":1408.075,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1126110851764679},{"word":"next","start":1408.075,"end":1408.315,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10186119377613068},{"word":"sort","start":1408.315,"end":1408.5549,"confidence":0.8828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.11278160661458968},{"word":"of","start":1408.5549,"end":1408.635,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11164578795433044},{"word":"one","start":1408.635,"end":1408.875,"confidence":0.99316406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0982413813471794},{"word":"to","start":1408.875,"end":1408.955,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04273779317736626},{"word":"two","start":1408.955,"end":1409.195,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.06842698901891708},{"word":"or","start":1409.195,"end":1409.355,"confidence":0.96533203,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09911605715751648},{"word":"even","start":1409.355,"end":1409.6749,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.08453243970870972},{"word":"five","start":1409.6749,"end":1409.9149,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.06896194815635681},{"word":"years","start":1409.9149,"end":1410.1549,"confidence":0.99609375,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.0836498886346817},{"word":"do","start":1410.1549,"end":1410.315,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05994436144828797},{"word":"you","start":1410.315,"end":1410.475,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058926355093717575},{"word":"have","start":1410.475,"end":1410.635,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.056478142738342285},{"word":"any","start":1410.635,"end":1410.875,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06662165373563766},{"word":"other","start":1410.875,"end":1411.115,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04690174385905266},{"word":"goals","start":1411.115,"end":1411.355,"confidence":0.97802734,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.04387146607041359},{"word":"that","start":1411.355,"end":1411.515,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.059185534715652466},{"word":"you're","start":1411.515,"end":1411.6749,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07731915265321732},{"word":"looking","start":1411.6749,"end":1411.9149,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06824105978012085},{"word":"to","start":1411.9149,"end":1412.1549,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08338677138090134},{"word":"achieve","start":1412.1549,"end":1412.6549,"confidence":0.9367676,"punctuated_word":"achieve?","sentiment":"neutral","sentiment_score":0.0903705358505249},{"word":"or","start":1412.715,"end":1412.955,"confidence":0.9326172,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.010531239211559296},{"word":"yep","start":1417.69,"end":1417.85,"confidence":0.72058105,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011553876101970673},{"word":"yep","start":1417.85,"end":1418.35,"confidence":0.7437744,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019194018095731735},{"word":"yep","start":1420.49,"end":1420.99,"confidence":0.81811523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03146372735500336},{"word":"yep","start":1425.77,"end":1426.27,"confidence":0.79956055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023595362901687626},{"word":"yep","start":1430.1051,"end":1430.6051,"confidence":0.7937012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01268789917230606},{"word":"yep","start":1434.265,"end":1434.765,"confidence":0.8737793,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.011650520376861095},{"word":"yep","start":1435.2251,"end":1435.7251,"confidence":0.8469238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.034649014472961426},{"word":"yeah","start":1438.505,"end":1438.905,"confidence":0.93603516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00624337512999773},{"word":"of","start":1438.905,"end":1439.0651,"confidence":0.98291016,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.0005924664437770844},{"word":"course","start":1439.0651,"end":1439.4651,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.009238176047801971},{"word":"yeah","start":1439.4651,"end":1439.865,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011143223382532597},{"word":"definitely","start":1439.865,"end":1440.365,"confidence":1.0,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.03303062915802002},{"word":"no","start":1441.385,"end":1441.7051,"confidence":0.9797363,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09986056387424468},{"word":"understandable","start":1441.7051,"end":1442.2051,"confidence":0.9980469,"punctuated_word":"Understandable.","sentiment":"neutral","sentiment_score":-0.1017867550253868},{"word":"yeah","start":1449.04,"end":1449.28,"confidence":0.7780762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03233455866575241},{"word":"no","start":1449.28,"end":1449.52,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1155429482460022},{"word":"that's","start":1449.52,"end":1449.76,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0799209401011467},{"word":"okay","start":1449.76,"end":1450.2401,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.06207284703850746},{"word":"i'm","start":1450.2401,"end":1450.4,"confidence":0.9794922,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.011130021885037422},{"word":"just","start":1450.4,"end":1450.56,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.007117521017789841},{"word":"having","start":1450.56,"end":1450.88,"confidence":0.87841797,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.0032723769545555115},{"word":"a","start":1450.88,"end":1451.04,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00203634612262249},{"word":"quick","start":1451.04,"end":1451.28,"confidence":0.9970703,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.02453548088669777},{"word":"look","start":1451.28,"end":1451.52,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.001220889389514923},{"word":"back","start":1451.52,"end":1451.76,"confidence":0.99609375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0003575421869754791},{"word":"at","start":1451.76,"end":1451.92,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01359710842370987},{"word":"the","start":1451.92,"end":1452.0801,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01567746326327324},{"word":"last","start":1452.0801,"end":1452.5801,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0205080546438694},{"word":"back","start":1453.2001,"end":1453.4401,"confidence":0.54296875,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.003567557781934738},{"word":"when","start":1453.4401,"end":1453.68,"confidence":0.18481445,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0038751550018787384},{"word":"we","start":1453.68,"end":1453.8401,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.002779357135295868},{"word":"did","start":1453.8401,"end":1454.0,"confidence":0.99316406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.01074155420064926},{"word":"last","start":1454.0,"end":1454.2401,"confidence":0.9951172,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.007526174187660217},{"word":"year","start":1454.2401,"end":1454.4,"confidence":0.97802734,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.008594106882810593},{"word":"as","start":1454.4,"end":1454.4801,"confidence":0.67626953,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02079632505774498},{"word":"well","start":1454.4801,"end":1454.64,"confidence":0.9621582,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.011481139808893204},{"word":"you","start":1454.64,"end":1454.8,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.025015750899910927},{"word":"also","start":1454.8,"end":1455.1201,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.024160267785191536},{"word":"mentioned","start":1455.1201,"end":1455.52,"confidence":0.99316406,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.02880059741437435},{"word":"maybe","start":1455.52,"end":1455.8401,"confidence":0.9741211,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03210892900824547},{"word":"upgrading","start":1455.8401,"end":1456.3201,"confidence":1.0,"punctuated_word":"upgrading","sentiment":"neutral","sentiment_score":0.029089435935020447},{"word":"a","start":1456.3201,"end":1456.56,"confidence":0.83203125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03872152417898178},{"word":"car","start":1456.56,"end":1456.9601,"confidence":1.0,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.02960558980703354},{"word":"as","start":1456.9601,"end":1457.1201,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01641770452260971},{"word":"well","start":1457.1201,"end":1457.3601,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.029697032645344738},{"word":"is","start":1457.3601,"end":1457.52,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0028240475803613663},{"word":"that","start":1457.52,"end":1457.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01882483810186386},{"word":"something","start":1457.68,"end":1458.0,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.018790844827890396},{"word":"you're","start":1458.0,"end":1458.16,"confidence":0.9819336,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0006166336825117469},{"word":"sort","start":1458.16,"end":1458.4,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.003423847258090973},{"word":"of","start":1458.4,"end":1458.56,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009914226830005646},{"word":"looking","start":1458.56,"end":1458.8,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0010033175349235537},{"word":"to","start":1458.8,"end":1458.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013200785964727402},{"word":"do","start":1458.88,"end":1459.04,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.013384036719799042},{"word":"down","start":1459.04,"end":1459.28,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.044289976358413696},{"word":"the","start":1459.28,"end":1459.4401,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01759972795844078},{"word":"track","start":1459.4401,"end":1459.9401,"confidence":0.99902344,"punctuated_word":"track?","sentiment":"neutral","sentiment_score":0.02746090292930603},{"word":"yep","start":1461.725,"end":1462.125,"confidence":0.8171387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06515993177890778},{"word":"yep","start":1462.125,"end":1462.605,"confidence":0.87597656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0806175172328949},{"word":"beautiful","start":1462.605,"end":1463.105,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.49093523621559143},{"word":"and","start":1464.0449,"end":1464.205,"confidence":0.92822266,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2054089456796646},{"word":"retirement","start":1464.205,"end":1464.705,"confidence":0.9863281,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.20623302459716797},{"word":"wise","start":1464.765,"end":1465.085,"confidence":0.83032227,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.27483147382736206},{"word":"we're","start":1465.085,"end":1465.585,"confidence":0.6849365,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3689768016338349},{"word":"all","start":1465.965,"end":1466.205,"confidence":0.46875,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3844916820526123},{"word":"good","start":1466.205,"end":1466.705,"confidence":0.99121094,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3326821029186249},{"word":"and","start":1467.005,"end":1467.245,"confidence":0.96972656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20514504611492157},{"word":"retirement","start":1467.245,"end":1467.725,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.21424426138401031},{"word":"wise","start":1467.725,"end":1468.0449,"confidence":0.9970703,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.24546349048614505},{"word":"we're","start":1468.0449,"end":1468.205,"confidence":0.99365234,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.264320969581604},{"word":"still","start":1468.205,"end":1468.445,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23130811750888824},{"word":"tracking","start":1468.445,"end":1468.845,"confidence":0.97314453,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.23911400139331815},{"word":"forward","start":1468.845,"end":1469.245,"confidence":0.9790039,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.25608029961586},{"word":"to","start":1469.245,"end":1469.4049,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2532164752483368},{"word":"retire","start":1469.4049,"end":1469.8049,"confidence":0.78466797,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.1800539344549179},{"word":"hopefully","start":1469.8049,"end":1470.2849,"confidence":0.98168945,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.15026766061782837},{"word":"at","start":1470.2849,"end":1470.445,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1395108550786972},{"word":"age","start":1470.445,"end":1470.6849,"confidence":0.9980469,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11646615713834764},{"word":"60","start":1470.6849,"end":1471.1849,"confidence":0.9851074,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.14837518334388733},{"word":"yeah","start":1473.5,"end":1473.8999,"confidence":0.97753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08529698848724365},{"word":"perfect","start":1473.8999,"end":1474.3999,"confidence":0.99560547,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5508453249931335},{"word":"nice","start":1475.4199,"end":1475.9199,"confidence":0.97436523,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.633224606513977},{"word":"nice","start":1476.0599,"end":1476.5599,"confidence":0.99609375,"punctuated_word":"Nice.","sentiment":"neutral","sentiment_score":0.0790492594242096},{"word":"well","start":1476.86,"end":1477.1799,"confidence":0.98950195,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.021993491798639297},{"word":"with","start":1477.1799,"end":1477.34,"confidence":0.671875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02916652150452137},{"word":"60","start":1477.34,"end":1477.6599,"confidence":0.92089844,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.04051074758172035},{"word":"at","start":1477.6599,"end":1477.74,"confidence":0.91259766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.026206862181425095},{"word":"the","start":1477.74,"end":1477.8999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03621095418930054},{"word":"moment","start":1477.8999,"end":1478.22,"confidence":0.99902344,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.038291942328214645},{"word":"is","start":1478.22,"end":1478.3799,"confidence":0.8027344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03458802402019501},{"word":"the","start":1478.3799,"end":1478.5399,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028904054313898087},{"word":"earliest","start":1478.5399,"end":1478.86,"confidence":0.9941406,"punctuated_word":"earliest","sentiment":"neutral","sentiment_score":0.032476846128702164},{"word":"they're","start":1478.86,"end":1478.94,"confidence":0.97998047,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.050058186054229736},{"word":"gonna","start":1478.94,"end":1479.2599,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07340078055858612},{"word":"let","start":1479.2599,"end":1479.4199,"confidence":0.9941406,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.07816378772258759},{"word":"you","start":1479.4199,"end":1479.58,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0695333480834961},{"word":"access","start":1479.58,"end":1479.8999,"confidence":0.99121094,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.037979334592819214},{"word":"your","start":1479.8999,"end":1480.0599,"confidence":0.88671875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06654132902622223},{"word":"super","start":1480.0599,"end":1480.46,"confidence":0.69970703,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.07258009910583496},{"word":"but","start":1480.46,"end":1480.94,"confidence":0.9135742,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.05048069357872009},{"word":"i","start":1480.94,"end":1481.0199,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04569479823112488},{"word":"mean","start":1481.0199,"end":1481.1799,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.04438042640686035},{"word":"we","start":1481.1799,"end":1481.34,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06132207810878754},{"word":"can","start":1481.34,"end":1481.5,"confidence":0.9560547,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05126729607582092},{"word":"look","start":1481.5,"end":1481.6599,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04340796172618866},{"word":"at","start":1481.6599,"end":1481.82,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04032029956579208},{"word":"other","start":1481.82,"end":1482.0599,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04317419230937958},{"word":"things","start":1482.0599,"end":1482.2999,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07138309627771378},{"word":"down","start":1482.2999,"end":1482.46,"confidence":0.9921875,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06196346133947373},{"word":"the","start":1482.46,"end":1482.62,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06687603890895844},{"word":"track","start":1482.62,"end":1482.86,"confidence":0.9916992,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.05576974898576737},{"word":"we","start":1482.86,"end":1483.0199,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07549940794706345},{"word":"can","start":1483.0199,"end":1483.1,"confidence":0.9892578,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0790235847234726},{"word":"look","start":1483.1,"end":1483.34,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07094798237085342},{"word":"at","start":1483.34,"end":1483.5,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07067510485649109},{"word":"investing","start":1483.5,"end":1483.98,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.07320413738489151},{"word":"outside","start":1483.98,"end":1484.3799,"confidence":0.99316406,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.11743813753128052},{"word":"of","start":1484.3799,"end":1484.5399,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06922214478254318},{"word":"super","start":1484.5399,"end":1484.94,"confidence":0.9760742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.07165193557739258},{"word":"in","start":1484.94,"end":1485.1,"confidence":0.9790039,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10537852346897124},{"word":"certain","start":1485.1,"end":1485.4199,"confidence":0.99609375,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.1011478155851364},{"word":"ways","start":1485.4199,"end":1485.6599,"confidence":0.9941406,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.10373353213071825},{"word":"to","start":1485.6599,"end":1485.82,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10112961381673811},{"word":"kind","start":1485.82,"end":1486.0599,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06792378425598145},{"word":"of","start":1486.0599,"end":1486.22,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1001965031027794},{"word":"build","start":1486.22,"end":1486.62,"confidence":0.99902344,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.10708437860012054},{"word":"retire","start":1486.62,"end":1486.94,"confidence":0.5410156,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.07601423561573029},{"word":"you","start":1487.1799,"end":1487.2599,"confidence":0.796875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09086786210536955},{"word":"know","start":1487.2599,"end":1487.5,"confidence":0.97265625,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09468986093997955},{"word":"you","start":1487.5,"end":1487.6599,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11065949499607086},{"word":"build","start":1487.6599,"end":1488.0599,"confidence":0.9902344,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.09145569056272508},{"word":"access","start":1488.0599,"end":1488.495,"confidence":0.99316406,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.10170033574104308},{"word":"to","start":1488.975,"end":1489.375,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11396696418523788},{"word":"savings","start":1489.375,"end":1489.775,"confidence":0.9394531,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.08944232016801834},{"word":"earlier","start":1489.775,"end":1490.095,"confidence":0.9506836,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.08758986741304398},{"word":"so","start":1490.095,"end":1490.335,"confidence":0.6333008,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11980060487985612},{"word":"you","start":1490.335,"end":1490.415,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09283223748207092},{"word":"can","start":1490.415,"end":1490.655,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0784560889005661},{"word":"possibly","start":1490.655,"end":1491.155,"confidence":0.9951172,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.08921147882938385},{"word":"retire","start":1491.215,"end":1491.695,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.054363593459129333},{"word":"earlier","start":1491.695,"end":1492.195,"confidence":0.8483887,"punctuated_word":"earlier.","sentiment":"neutral","sentiment_score":0.06584472954273224},{"word":"and","start":1492.335,"end":1492.495,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03613723814487457},{"word":"then","start":1492.495,"end":1492.655,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03443533554673195},{"word":"you've","start":1492.655,"end":1492.895,"confidence":0.98291016,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.030876532196998596},{"word":"also","start":1492.895,"end":1493.135,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0222579725086689},{"word":"got","start":1493.135,"end":1493.295,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03514314442873001},{"word":"the","start":1493.295,"end":1493.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04116920381784439},{"word":"option","start":1493.455,"end":1493.775,"confidence":0.99609375,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.03605923801660538},{"word":"of","start":1493.775,"end":1494.015,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03960060700774193},{"word":"investment","start":1494.015,"end":1494.515,"confidence":0.44799805,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.01780061051249504},{"word":"property","start":1494.575,"end":1494.895,"confidence":0.75097656,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.01669105514883995},{"word":"so","start":1494.895,"end":1495.135,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004016384482383728},{"word":"sorry","start":1495.135,"end":1495.635,"confidence":0.951416,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.003238399513065815},{"word":"yeah","start":1496.815,"end":1497.315,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00487362127751112},{"word":"no","start":1500.575,"end":1501.055,"confidence":0.96191406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.021287720650434497},{"word":"'60","start":1501.055,"end":1501.555,"confidence":0.98502606,"punctuated_word":"'60.","sentiment":"neutral","sentiment_score":-0.010935083031654358},{"word":"60","start":1501.9349,"end":1502.4349,"confidence":0.99332684,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.003365062875673175},{"word":"yes","start":1503.36,"end":1503.86,"confidence":0.98168945,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.015828564763069153},{"word":"'6","start":1504.64,"end":1505.12,"confidence":0.9980469,"punctuated_word":"'6","sentiment":"neutral","sentiment_score":-0.02358866110444069},{"word":"zero","start":1505.12,"end":1505.62,"confidence":0.99853516,"punctuated_word":"zero.","sentiment":"neutral","sentiment_score":-0.03223872929811478},{"word":"no","start":1506.48,"end":1506.98,"confidence":0.95458984,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06484894454479218},{"word":"no","start":1509.44,"end":1509.92,"confidence":0.97753906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1149924099445343},{"word":"no","start":1509.92,"end":1510.24,"confidence":0.9904785,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.062475498765707016},{"word":"so","start":1510.24,"end":1510.74,"confidence":0.90625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0378049872815609},{"word":"no","start":1511.12,"end":1511.36,"confidence":0.9970703,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.06587487459182739},{"word":"that's","start":1511.36,"end":1511.68,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.015261794440448284},{"word":"okay","start":1511.68,"end":1512.0,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.02922197617590427},{"word":"it's","start":1512.0,"end":1512.24,"confidence":0.9460449,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.048245690762996674},{"word":"honestly","start":1512.24,"end":1512.72,"confidence":0.5864258,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":-0.08573359251022339},{"word":"a","start":1512.72,"end":1512.88,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04578346759080887},{"word":"really","start":1512.88,"end":1513.12,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.07483590394258499},{"word":"common","start":1513.12,"end":1513.62,"confidence":1.0,"punctuated_word":"common","sentiment":"neutral","sentiment_score":-0.07353422045707703},{"word":"it's","start":1514.16,"end":1514.32,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10131245851516724},{"word":"a","start":1514.32,"end":1514.48,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10088534653186798},{"word":"common","start":1514.48,"end":1514.88,"confidence":1.0,"punctuated_word":"common","sentiment":"neutral","sentiment_score":-0.10081435739994048},{"word":"misconception","start":1514.88,"end":1515.38,"confidence":0.99902344,"punctuated_word":"misconception","sentiment":"neutral","sentiment_score":-0.08524782955646515},{"word":"a","start":1515.44,"end":1515.6,"confidence":0.5541992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1260058879852295},{"word":"lot","start":1515.6,"end":1515.76,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.13657821714878082},{"word":"of","start":1515.76,"end":1515.92,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1190132275223732},{"word":"people","start":1515.92,"end":1516.24,"confidence":0.9970703,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.10058145225048064},{"word":"have","start":1516.24,"end":1516.48,"confidence":0.9855957,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.10226252675056458},{"word":"so","start":1516.48,"end":1516.815,"confidence":0.6191406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0438455231487751},{"word":"67","start":1516.8949,"end":1517.2949,"confidence":0.9458008,"punctuated_word":"67","sentiment":"neutral","sentiment_score":-0.02466402947902679},{"word":"is","start":1517.2949,"end":1517.695,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04199060797691345},{"word":"the","start":1517.695,"end":1517.7749,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.036822110414505005},{"word":"age","start":1517.7749,"end":1518.095,"confidence":0.99609375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.035852279514074326},{"word":"that","start":1518.095,"end":1518.335,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.017424143850803375},{"word":"if","start":1518.335,"end":1518.575,"confidence":0.8964844,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02594471536576748},{"word":"you're","start":1518.575,"end":1518.815,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.024615352973341945},{"word":"eligible","start":1518.815,"end":1519.315,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":-0.02398122102022171},{"word":"for","start":1519.455,"end":1519.7749,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.022943954914808273},{"word":"to","start":1519.7749,"end":1520.0149,"confidence":0.7836914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02174128219485283},{"word":"access","start":1520.0149,"end":1520.4149,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.027177002280950543},{"word":"the","start":1520.4149,"end":1520.6549,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01901441439986229},{"word":"age","start":1520.6549,"end":1520.975,"confidence":0.97509766,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.01927395537495613},{"word":"pension","start":1520.975,"end":1521.475,"confidence":0.8444824,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":-0.023723054677248},{"word":"but","start":1522.575,"end":1523.075,"confidence":0.85253906,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03172975778579712},{"word":"because","start":1523.2949,"end":1523.7949,"confidence":0.9394531,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0393114909529686},{"word":"a","start":1523.9349,"end":1524.0149,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.019603654742240902},{"word":"lot","start":1524.0149,"end":1524.2549,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.04201015830039978},{"word":"of","start":1524.2549,"end":1524.335,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.034782521426677704},{"word":"people","start":1524.335,"end":1524.6549,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.025170043110847473},{"word":"just","start":1524.6549,"end":1524.975,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05774115398526192},{"word":"refer","start":1524.975,"end":1525.2949,"confidence":0.94921875,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":-0.039569735527038574},{"word":"to","start":1525.2949,"end":1525.5349,"confidence":0.5488281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04020252078771591},{"word":"as","start":1525.5349,"end":1525.7749,"confidence":0.89990234,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05183548480272293},{"word":"retirement","start":1525.7749,"end":1526.2749,"confidence":0.9707031,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.04959888756275177},{"word":"age","start":1526.335,"end":1526.495,"confidence":0.99902344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.049317847937345505},{"word":"because","start":1526.575,"end":1526.815,"confidence":0.9980469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04949796572327614},{"word":"a","start":1526.815,"end":1526.8949,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04118950664997101},{"word":"lot","start":1526.8949,"end":1527.0549,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.06780999153852463},{"word":"of","start":1527.0549,"end":1527.215,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06652717292308807},{"word":"people","start":1527.215,"end":1527.5349,"confidence":0.95703125,"punctuated_word":"people,","sentiment":"neutral","sentiment_score":-0.06187880039215088},{"word":"especially","start":1527.5349,"end":1528.0349,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.06027824804186821},{"word":"the","start":1528.335,"end":1528.495,"confidence":0.9194336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.054468099027872086},{"word":"older","start":1528.495,"end":1528.815,"confidence":0.7055664,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.06263244152069092},{"word":"generation","start":1528.815,"end":1529.315,"confidence":0.84399414,"punctuated_word":"generation,","sentiment":"neutral","sentiment_score":-0.056173406541347504},{"word":"they","start":1529.375,"end":1529.615,"confidence":0.42163086,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04413421452045441},{"word":"even","start":1529.615,"end":1529.7749,"confidence":0.3564453,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.06087478622794151},{"word":"this","start":1529.9349,"end":1530.1749,"confidence":0.74560547,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05533503741025925},{"word":"is","start":1530.1749,"end":1530.2549,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06497251987457275},{"word":"some","start":1530.2549,"end":1530.75,"confidence":0.9760742,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.08012035489082336},{"word":"generations","start":1530.99,"end":1531.47,"confidence":0.6538086,"punctuated_word":"generations,","sentiment":"neutral","sentiment_score":-0.08310936391353607},{"word":"they","start":1531.47,"end":1531.71,"confidence":0.9526367,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.06173798069357872},{"word":"didn't","start":1531.71,"end":1531.95,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.06728236377239227},{"word":"have","start":1531.95,"end":1532.27,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0971747413277626},{"word":"super","start":1532.27,"end":1532.77,"confidence":0.79663086,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.06840802729129791},{"word":"super","start":1532.83,"end":1533.15,"confidence":0.98291016,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":-0.058575354516506195},{"word":"wasn't","start":1533.15,"end":1533.39,"confidence":0.99902344,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.05783518776297569},{"word":"a","start":1533.39,"end":1533.55,"confidence":0.94921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04996098577976227},{"word":"big","start":1533.55,"end":1533.71,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.006638921797275543},{"word":"thing","start":1533.71,"end":1533.95,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.025689713656902313},{"word":"until","start":1533.95,"end":1534.27,"confidence":0.95410156,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.08264298737049103},{"word":"the","start":1534.27,"end":1534.43,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.027180925011634827},{"word":"early","start":1534.43,"end":1534.83,"confidence":0.99902344,"punctuated_word":"early","sentiment":"neutral","sentiment_score":-0.044323891401290894},{"word":"nineties","start":1534.83,"end":1535.31,"confidence":0.953125,"punctuated_word":"nineties.","sentiment":"neutral","sentiment_score":-0.036509692668914795},{"word":"so","start":1535.31,"end":1535.81,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03474850207567215},{"word":"a","start":1535.87,"end":1536.03,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03260761499404907},{"word":"lot","start":1536.03,"end":1536.19,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.035674531012773514},{"word":"of","start":1536.19,"end":1536.27,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03481623902916908},{"word":"them","start":1536.27,"end":1536.51,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.03334222733974457},{"word":"are","start":1536.51,"end":1536.75,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03132591396570206},{"word":"retiring","start":1536.75,"end":1537.23,"confidence":0.9980469,"punctuated_word":"retiring","sentiment":"neutral","sentiment_score":-0.033445268869400024},{"word":"on","start":1537.23,"end":1537.47,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.044871311634778976},{"word":"lower","start":1537.47,"end":1537.79,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.02639514021575451},{"word":"balances","start":1537.79,"end":1538.29,"confidence":0.9970703,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":-0.03373368829488754},{"word":"now","start":1538.43,"end":1538.93,"confidence":0.96191406,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.019721003249287605},{"word":"and","start":1539.31,"end":1539.63,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021325595676898956},{"word":"they","start":1539.63,"end":1539.79,"confidence":0.86621094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03339799493551254},{"word":"are","start":1539.79,"end":1540.03,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03060000017285347},{"word":"having","start":1540.03,"end":1540.27,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.03276727348566055},{"word":"to","start":1540.27,"end":1540.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03322317451238632},{"word":"rely","start":1540.51,"end":1540.99,"confidence":1.0,"punctuated_word":"rely","sentiment":"neutral","sentiment_score":-0.039550911635160446},{"word":"on","start":1540.99,"end":1541.31,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04914122074842453},{"word":"the","start":1541.31,"end":1541.39,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04745467007160187},{"word":"government","start":1541.39,"end":1541.89,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.03739413619041443},{"word":"system","start":1542.03,"end":1542.53,"confidence":0.9108887,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":-0.04458918049931526},{"word":"so","start":1542.59,"end":1542.91,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.015627067536115646},{"word":"for","start":1542.91,"end":1543.15,"confidence":0.96435547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.022937029600143433},{"word":"them","start":1543.15,"end":1543.47,"confidence":0.98950195,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.019747968763113025},{"word":"67","start":1543.47,"end":1544.37,"confidence":0.9975586,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.04409428685903549},{"word":"isn't","start":1544.665,"end":1544.825,"confidence":0.9995117,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.0033847568556666374},{"word":"so","start":1544.825,"end":1544.985,"confidence":0.9667969,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.012971855700016022},{"word":"much","start":1544.985,"end":1545.385,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.004652533680200577},{"word":"the","start":1545.385,"end":1545.465,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0057310014963150024},{"word":"age","start":1545.465,"end":1545.705,"confidence":0.9980469,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.00904741883277893},{"word":"they","start":1545.705,"end":1545.865,"confidence":0.96240234,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.002369113266468048},{"word":"can","start":1545.865,"end":1546.025,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0111183263361454},{"word":"access","start":1546.025,"end":1546.425,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.00041297823190689087},{"word":"as","start":1546.425,"end":1546.585,"confidence":0.8203125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.005367133766412735},{"word":"super","start":1546.585,"end":1546.985,"confidence":0.93847656,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.014660166576504707},{"word":"but","start":1546.985,"end":1547.145,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.012749101966619492},{"word":"it's","start":1547.145,"end":1547.305,"confidence":0.9880371,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.020825287327170372},{"word":"the","start":1547.305,"end":1547.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02819989249110222},{"word":"age","start":1547.385,"end":1547.545,"confidence":0.9941406,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.0263812318444252},{"word":"that","start":1547.545,"end":1547.705,"confidence":0.9375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03200160712003708},{"word":"they","start":1547.705,"end":1547.865,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.014709964394569395},{"word":"feel","start":1547.865,"end":1548.105,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.012218721210956572},{"word":"they","start":1548.105,"end":1548.265,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.015543267130851746},{"word":"can","start":1548.265,"end":1548.505,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03219284862279892},{"word":"retire","start":1548.505,"end":1548.905,"confidence":0.9970703,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.0027119331061840057},{"word":"because","start":1548.905,"end":1549.225,"confidence":0.9301758,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.019034493714571},{"word":"it's","start":1549.225,"end":1549.385,"confidence":0.97802734,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.030932530760765076},{"word":"the","start":1549.385,"end":1549.545,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029398486018180847},{"word":"age","start":1549.545,"end":1549.705,"confidence":0.99902344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.020678281784057617},{"word":"they","start":1549.705,"end":1549.865,"confidence":0.984375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.026946313679218292},{"word":"can","start":1549.865,"end":1550.025,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03992924839258194},{"word":"access","start":1550.025,"end":1550.425,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.01381129026412964},{"word":"the","start":1550.425,"end":1550.585,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031744856387376785},{"word":"age","start":1550.585,"end":1550.825,"confidence":0.91503906,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.022943224757909775},{"word":"pension","start":1550.825,"end":1551.325,"confidence":0.99658203,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":0.01888168230652809},{"word":"but","start":1552.025,"end":1552.185,"confidence":0.7519531,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03661196306347847},{"word":"under","start":1552.185,"end":1552.505,"confidence":0.9970703,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.05823898687958717},{"word":"the","start":1552.505,"end":1552.745,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03677789866924286},{"word":"legislation","start":1552.745,"end":1553.245,"confidence":0.9741211,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":0.047313839197158813},{"word":"requirements","start":1553.465,"end":1553.965,"confidence":0.9592285,"punctuated_word":"requirements,","sentiment":"neutral","sentiment_score":0.046176642179489136},{"word":"if","start":1554.025,"end":1554.185,"confidence":0.9526367,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04359238222241402},{"word":"you","start":1554.185,"end":1554.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04004412144422531},{"word":"stop","start":1554.345,"end":1554.665,"confidence":0.8671875,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.017060253769159317},{"word":"working","start":1554.665,"end":1554.985,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.006740901619195938},{"word":"at","start":1554.985,"end":1555.225,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.012062739580869676},{"word":"60","start":1555.225,"end":1555.625,"confidence":0.99609375,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.03363115340471268},{"word":"you","start":1555.625,"end":1555.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06500649452209473},{"word":"can","start":1555.785,"end":1556.025,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06426003575325012},{"word":"access","start":1556.025,"end":1556.425,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.03757405653595925},{"word":"your","start":1556.425,"end":1556.665,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07837767899036407},{"word":"super","start":1556.665,"end":1557.0651,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09524942934513092},{"word":"wholly","start":1557.0651,"end":1557.465,"confidence":0.9790039,"punctuated_word":"wholly","sentiment":"neutral","sentiment_score":0.04516671597957611},{"word":"completely","start":1557.465,"end":1557.945,"confidence":0.5229492,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.03409566357731819},{"word":"tax","start":1557.945,"end":1558.345,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08213023841381073},{"word":"free","start":1558.345,"end":1558.845,"confidence":0.99902344,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.0380171462893486},{"word":"yeah","start":1561.21,"end":1561.71,"confidence":0.9550781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14706379175186157},{"word":"yeah","start":1562.8099,"end":1563.3099,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2593989968299866},{"word":"i","start":1563.45,"end":1563.69,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2814558446407318},{"word":"like","start":1563.69,"end":1563.85,"confidence":0.5854492,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3349224925041199},{"word":"to","start":1563.85,"end":1563.93,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3965241014957428},{"word":"give","start":1563.93,"end":1564.17,"confidence":0.9038086,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.4443935751914978},{"word":"people","start":1564.17,"end":1564.41,"confidence":0.99121094,"punctuated_word":"people","sentiment":"positive","sentiment_score":0.4861092865467071},{"word":"good","start":1564.41,"end":1564.65,"confidence":0.9863281,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4796811044216156},{"word":"news","start":1564.65,"end":1564.8099,"confidence":1.0,"punctuated_word":"news","sentiment":"positive","sentiment_score":0.523039698600769},{"word":"like","start":1564.8099,"end":1565.05,"confidence":0.98291016,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4556841552257538},{"word":"that","start":1565.05,"end":1565.29,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.37739455699920654},{"word":"yeah","start":1565.29,"end":1565.79,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11017470061779022},{"word":"absolutely","start":1578.485,"end":1578.985,"confidence":0.9433594,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.2372705638408661},{"word":"yeah","start":1580.325,"end":1580.825,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.110657200217247},{"word":"yeah","start":1587.125,"end":1587.625,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.057572610676288605},{"word":"yeah","start":1592.64,"end":1593.14,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14346355199813843},{"word":"of","start":1593.4401,"end":1593.52,"confidence":0.9453125,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.07090819627046585},{"word":"course","start":1593.52,"end":1594.02,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.11852357536554337},{"word":"yeah","start":1598.64,"end":1599.14,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021059028804302216},{"word":"honestly","start":1600.3201,"end":1600.8201,"confidence":0.9980469,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":-0.03459218516945839},{"word":"the","start":1601.12,"end":1601.36,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05733920633792877},{"word":"best","start":1601.36,"end":1601.835,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.06929662823677063},{"word":"the","start":1601.9149,"end":1602.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01669938862323761},{"word":"best","start":1602.075,"end":1602.315,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.00994323194026947},{"word":"way","start":1602.315,"end":1602.5549,"confidence":0.58154297,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.045961618423461914},{"word":"is","start":1602.5549,"end":1602.715,"confidence":0.57958984,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03511958569288254},{"word":"to","start":1602.715,"end":1602.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07458508014678955},{"word":"do","start":1602.875,"end":1603.115,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04513649642467499},{"word":"that","start":1603.115,"end":1603.595,"confidence":0.7751465,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0330420657992363},{"word":"and","start":1603.595,"end":1603.835,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0035307854413986206},{"word":"it's","start":1603.835,"end":1603.995,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02543707750737667},{"word":"a","start":1603.995,"end":1604.1549,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06010837480425835},{"word":"little","start":1604.1549,"end":1604.315,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.10122031718492508},{"word":"bit","start":1604.315,"end":1604.475,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.16158176958560944},{"word":"hard","start":1604.475,"end":1604.715,"confidence":0.99609375,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.2302563488483429},{"word":"at","start":1604.715,"end":1604.875,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2860308289527893},{"word":"the","start":1604.875,"end":1605.0349,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21075287461280823},{"word":"moment","start":1605.0349,"end":1605.355,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.29170647263526917},{"word":"because","start":1605.355,"end":1605.6749,"confidence":0.9892578,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.23884646594524384},{"word":"of","start":1605.6749,"end":1605.9149,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25491786003112793},{"word":"what's","start":1605.9149,"end":1606.1549,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.24925607442855835},{"word":"happening","start":1606.1549,"end":1606.475,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.2465636283159256},{"word":"with","start":1606.475,"end":1606.635,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.22644862532615664},{"word":"the","start":1606.635,"end":1606.875,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23410040140151975},{"word":"budget","start":1606.875,"end":1607.355,"confidence":0.8823242,"punctuated_word":"budget,","sentiment":"neutral","sentiment_score":-0.2088734805583954},{"word":"but","start":1607.355,"end":1607.835,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08168424665927887},{"word":"one","start":1607.835,"end":1608.075,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.07480888068675995},{"word":"of","start":1608.075,"end":1608.235,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05675240606069565},{"word":"the","start":1608.235,"end":1608.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20540741086006165},{"word":"best","start":1608.315,"end":1608.635,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.22059163451194763},{"word":"ways","start":1608.635,"end":1609.0349,"confidence":0.9970703,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.23038317263126373},{"word":"is","start":1609.0349,"end":1609.195,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.21557921171188352},{"word":"to","start":1609.195,"end":1609.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2400408685207367},{"word":"be","start":1609.355,"end":1609.515,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3081761300563812},{"word":"able","start":1609.515,"end":1609.6749,"confidence":0.98095703,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.32589423656463623},{"word":"to","start":1609.6749,"end":1609.835,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.32269811630249023},{"word":"negatively","start":1609.835,"end":1610.335,"confidence":0.9873047,"punctuated_word":"negatively","sentiment":"negative","sentiment_score":-0.36741921305656433},{"word":"give","start":1610.395,"end":1610.635,"confidence":0.47973633,"punctuated_word":"give","sentiment":"negative","sentiment_score":-0.4399219453334808},{"word":"property","start":1610.635,"end":1611.135,"confidence":0.79711914,"punctuated_word":"property.","sentiment":"negative","sentiment_score":-0.46142497658729553},{"word":"so","start":1611.195,"end":1611.595,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1190345138311386},{"word":"either","start":1611.595,"end":1611.9149,"confidence":0.9770508,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.14394885301589966},{"word":"buying","start":1611.9149,"end":1612.1549,"confidence":0.9980469,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":-0.16335085034370422},{"word":"an","start":1612.1549,"end":1612.315,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.11675180494785307},{"word":"investment","start":1612.315,"end":1612.815,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.106184683740139},{"word":"property","start":1612.875,"end":1613.375,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.09281578660011292},{"word":"or","start":1613.4349,"end":1613.755,"confidence":0.9760742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07091074436903},{"word":"buying","start":1613.755,"end":1613.995,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":-0.09727995097637177},{"word":"a","start":1613.995,"end":1614.1549,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07703366130590439},{"word":"new","start":1614.1549,"end":1614.315,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.11930938810110092},{"word":"one","start":1614.315,"end":1614.5549,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.08212563395500183},{"word":"for","start":1614.5549,"end":1614.715,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09134140610694884},{"word":"yourself","start":1614.715,"end":1615.0349,"confidence":0.9970703,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.04963308572769165},{"word":"and","start":1615.0349,"end":1615.2749,"confidence":0.8339844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08720306307077408},{"word":"renting","start":1615.2749,"end":1615.595,"confidence":0.9970703,"punctuated_word":"renting","sentiment":"neutral","sentiment_score":-0.07665835320949554},{"word":"at","start":1615.595,"end":1615.755,"confidence":0.5571289,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14033842086791992},{"word":"your","start":1615.755,"end":1615.9149,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10637453198432922},{"word":"current","start":1615.9149,"end":1616.235,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.21989667415618896},{"word":"property","start":1616.235,"end":1616.735,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.15784545242786407},{"word":"and","start":1617.0199,"end":1617.1799,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11240239441394806},{"word":"being","start":1617.1799,"end":1617.4199,"confidence":0.9838867,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.1599477380514145},{"word":"able","start":1617.4199,"end":1617.6599,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.17371618747711182},{"word":"to","start":1617.6599,"end":1617.8999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1936817765235901},{"word":"negatively","start":1617.8999,"end":1618.3999,"confidence":0.9980469,"punctuated_word":"negatively","sentiment":"neutral","sentiment_score":-0.20533353090286255},{"word":"gear","start":1618.46,"end":1618.7,"confidence":0.92578125,"punctuated_word":"gear","sentiment":"neutral","sentiment_score":-0.2153119146823883},{"word":"that","start":1618.7,"end":1619.2,"confidence":0.9904785,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.10585808753967284},{"word":"the","start":1619.34,"end":1619.5,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.08252755552530289},{"word":"only","start":1619.5,"end":1619.82,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.12811315059661865},{"word":"downside","start":1619.82,"end":1620.32,"confidence":0.9980469,"punctuated_word":"downside","sentiment":"neutral","sentiment_score":-0.15785108506679535},{"word":"is","start":1620.5399,"end":1620.7799,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1443573534488678},{"word":"at","start":1620.7799,"end":1621.0199,"confidence":0.69384766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21295328438282013},{"word":"the","start":1621.0199,"end":1621.1799,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1944175362586975},{"word":"moment","start":1621.1799,"end":1621.6599,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.30692189931869507},{"word":"with","start":1621.6599,"end":1622.1399,"confidence":0.96240234,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.24224156141281128},{"word":"the","start":1622.1399,"end":1622.3799,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2773708403110504},{"word":"way","start":1622.3799,"end":1622.7799,"confidence":0.9980469,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.28729382157325745},{"word":"with","start":1622.94,"end":1623.1,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.23323500156402588},{"word":"what","start":1623.1,"end":1623.2599,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.23642325401306152},{"word":"was","start":1623.2599,"end":1623.58,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2602112293243408},{"word":"put","start":1623.58,"end":1623.74,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.2591060996055603},{"word":"out","start":1623.74,"end":1623.8999,"confidence":0.9199219,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2563435435295105},{"word":"in","start":1623.8999,"end":1623.98,"confidence":0.9658203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.25424322485923767},{"word":"the","start":1623.98,"end":1624.1399,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.31731194257736206},{"word":"budget","start":1624.1399,"end":1624.6399,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":-0.329826295375824},{"word":"was","start":1624.86,"end":1625.1799,"confidence":0.9448242,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2664841413497925},{"word":"that","start":1625.1799,"end":1625.6799,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20616163313388824},{"word":"they're","start":1626.22,"end":1626.46,"confidence":0.9680176,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.3670431971549988},{"word":"only","start":1626.46,"end":1626.7799,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.3003983497619629},{"word":"going","start":1626.7799,"end":1627.0199,"confidence":0.9667969,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.3947300612926483},{"word":"to","start":1627.0199,"end":1627.1,"confidence":0.93847656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.32035762071609497},{"word":"if","start":1627.1799,"end":1627.34,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.3010714650154114},{"word":"these","start":1627.34,"end":1627.58,"confidence":0.97998047,"punctuated_word":"these","sentiment":"negative","sentiment_score":-0.33696532249450684},{"word":"changes","start":1627.58,"end":1627.98,"confidence":0.9921875,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.33329614996910095},{"word":"go","start":1627.98,"end":1628.22,"confidence":0.9970703,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.4063124656677246},{"word":"through","start":1628.22,"end":1628.5399,"confidence":1.0,"punctuated_word":"through","sentiment":"negative","sentiment_score":-0.45161834359169006},{"word":"as","start":1628.5399,"end":1628.7799,"confidence":0.9902344,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4525837302207947},{"word":"of","start":1628.7799,"end":1628.94,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4258134961128235},{"word":"july","start":1628.94,"end":1629.44,"confidence":1.0,"punctuated_word":"July","sentiment":"negative","sentiment_score":-0.383929044008255},{"word":"next","start":1629.58,"end":1629.98,"confidence":0.5058594,"punctuated_word":"next","sentiment":"negative","sentiment_score":-0.3445463478565216},{"word":"year","start":1629.98,"end":1630.48,"confidence":0.9975586,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.2969211935997009},{"word":"you'll","start":1630.625,"end":1630.9451,"confidence":0.9975586,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.31345364451408386},{"word":"only","start":1630.9451,"end":1631.265,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.2703278958797455},{"word":"be","start":1631.265,"end":1631.425,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.297146201133728},{"word":"able","start":1631.425,"end":1631.665,"confidence":0.9921875,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.3347848057746887},{"word":"to","start":1631.665,"end":1631.745,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35936230421066284},{"word":"negatively","start":1631.745,"end":1632.245,"confidence":0.9951172,"punctuated_word":"negatively","sentiment":"negative","sentiment_score":-0.37045004963874817},{"word":"gear","start":1632.385,"end":1632.625,"confidence":0.7163086,"punctuated_word":"gear","sentiment":"negative","sentiment_score":-0.49427682161331177},{"word":"as","start":1632.625,"end":1632.785,"confidence":0.92333984,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3705783486366272},{"word":"an","start":1632.785,"end":1632.9451,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.3098984360694885},{"word":"investor","start":1632.9451,"end":1633.4451,"confidence":0.99609375,"punctuated_word":"investor","sentiment":"neutral","sentiment_score":-0.3134619891643524},{"word":"a","start":1633.665,"end":1633.905,"confidence":0.8730469,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.371900737285614},{"word":"brand","start":1633.905,"end":1634.145,"confidence":1.0,"punctuated_word":"brand","sentiment":"negative","sentiment_score":-0.4209873080253601},{"word":"new","start":1634.145,"end":1634.385,"confidence":1.0,"punctuated_word":"new","sentiment":"negative","sentiment_score":-0.3536880910396576},{"word":"property","start":1634.385,"end":1634.785,"confidence":0.9753418,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.3246258497238159},{"word":"which","start":1634.785,"end":1634.9451,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.27850446105003357},{"word":"means","start":1634.9451,"end":1635.185,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.25610795617103577},{"word":"you","start":1635.185,"end":1635.3451,"confidence":0.97998047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2480100840330124},{"word":"would","start":1635.3451,"end":1635.505,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2624320983886719},{"word":"have","start":1635.505,"end":1635.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2911919057369232},{"word":"to","start":1635.745,"end":1635.905,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2864522337913513},{"word":"buy","start":1635.905,"end":1636.2251,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.2215460389852524},{"word":"a","start":1636.2251,"end":1636.4651,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22975148260593417},{"word":"build","start":1636.4651,"end":1636.9451,"confidence":0.8132324,"punctuated_word":"build,","sentiment":"neutral","sentiment_score":-0.1716369986534119},{"word":"like","start":1636.9451,"end":1637.185,"confidence":0.81030273,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.193083256483078},{"word":"a","start":1637.185,"end":1637.3451,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22995497286319733},{"word":"new","start":1637.3451,"end":1637.505,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.2054038047790527},{"word":"property","start":1637.505,"end":1638.005,"confidence":0.9946289,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.17523053288459778},{"word":"build","start":1638.145,"end":1638.385,"confidence":0.99902344,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.15058405697345734},{"word":"it","start":1638.385,"end":1638.885,"confidence":0.9890137,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.1342674195766449},{"word":"and","start":1638.9451,"end":1639.1051,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09217916429042816},{"word":"then","start":1639.1051,"end":1639.425,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.06939616799354553},{"word":"rent","start":1639.425,"end":1639.5851,"confidence":0.98095703,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":-0.10485278069972992},{"word":"it","start":1639.5851,"end":1639.745,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11950014531612396},{"word":"out","start":1639.745,"end":1639.905,"confidence":0.9716797,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11174581944942474},{"word":"to","start":1639.905,"end":1640.0651,"confidence":0.87158203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1888158768415451},{"word":"access","start":1640.0651,"end":1640.385,"confidence":0.9453125,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.2079327553510666},{"word":"negative","start":1640.385,"end":1640.785,"confidence":0.9980469,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.15105830132961273},{"word":"gearing","start":1640.785,"end":1641.285,"confidence":0.9975586,"punctuated_word":"gearing.","sentiment":"neutral","sentiment_score":-0.2516644597053528},{"word":"we","start":1642.2251,"end":1642.385,"confidence":0.78515625,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.00020509213209152224},{"word":"can","start":1642.385,"end":1642.7051,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04192420095205307},{"word":"do","start":1642.7051,"end":1643.1051,"confidence":0.9765625,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.03607834130525589},{"word":"like","start":1643.1051,"end":1643.425,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05586694926023483},{"word":"investing","start":1643.425,"end":1643.925,"confidence":0.9980469,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.06410624831914902},{"word":"outside","start":1644.14,"end":1644.2201,"confidence":0.7998047,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.04791385680437088},{"word":"of","start":1644.2201,"end":1644.54,"confidence":0.9140625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.049557194113731384},{"word":"super","start":1644.54,"end":1644.78,"confidence":0.73095703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13056379556655884},{"word":"through","start":1644.78,"end":1645.02,"confidence":0.9223633,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.051252901554107666},{"word":"investment","start":1645.02,"end":1645.52,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.018586136400699615},{"word":"portfolios","start":1645.5801,"end":1646.0801,"confidence":0.9863281,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.041544314473867416},{"word":"and","start":1646.14,"end":1646.3,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07803665101528168},{"word":"things","start":1646.3,"end":1646.6201,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07284912467002869},{"word":"like","start":1646.6201,"end":1646.9401,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03369802236557007},{"word":"that","start":1646.9401,"end":1647.26,"confidence":0.9680176,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0574675127863884},{"word":"but","start":1647.26,"end":1647.76,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04632914811372757},{"word":"they","start":1648.38,"end":1648.54,"confidence":0.9316406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04066772013902664},{"word":"don't","start":1648.54,"end":1648.78,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.007761945482343435},{"word":"necessarily","start":1648.78,"end":1649.28,"confidence":0.99902344,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":-0.025772452354431152},{"word":"reduce","start":1649.42,"end":1649.8201,"confidence":0.9980469,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.07183466851711273},{"word":"your","start":1649.8201,"end":1649.9801,"confidence":0.87890625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05916385352611542},{"word":"income","start":1649.9801,"end":1650.38,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.20160715281963348},{"word":"tax","start":1650.38,"end":1650.7001,"confidence":0.9951172,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.09409213066101074},{"word":"it","start":1650.7001,"end":1650.9401,"confidence":0.9741211,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.0026514679193496704},{"word":"actually","start":1650.9401,"end":1651.26,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.017348363995552063},{"word":"tends","start":1651.26,"end":1651.5801,"confidence":0.9863281,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.0773855596780777},{"word":"to","start":1651.5801,"end":1651.9,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.050196997821331024},{"word":"increase","start":1651.9,"end":1652.3,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.16300565004348755},{"word":"that","start":1652.3,"end":1652.54,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10235241055488586},{"word":"because","start":1652.54,"end":1652.8601,"confidence":0.95703125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05738549679517746},{"word":"you","start":1652.8601,"end":1652.9401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1632680892944336},{"word":"get","start":1652.9401,"end":1653.3401,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18735486268997192},{"word":"income","start":1653.3401,"end":1653.8201,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.16998305916786194},{"word":"and","start":1653.8201,"end":1654.14,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1456461250782013},{"word":"growth","start":1654.14,"end":1654.4601,"confidence":0.9892578,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2131861448287964},{"word":"out","start":1654.4601,"end":1654.6201,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.21968628466129303},{"word":"of","start":1654.6201,"end":1654.78,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17038977146148682},{"word":"your","start":1654.78,"end":1655.02,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05776610225439072},{"word":"investments","start":1655.02,"end":1655.52,"confidence":0.8588867,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.09158559888601304},{"word":"the","start":1655.5801,"end":1655.7401,"confidence":0.6933594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02949325740337372},{"word":"same","start":1655.7401,"end":1655.9,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.034831490367650986},{"word":"as","start":1655.9,"end":1656.165,"confidence":0.9580078,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08018264919519424},{"word":"the","start":1656.245,"end":1656.3251,"confidence":0.2175293,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1252436637878418},{"word":"super","start":1656.3251,"end":1656.8251,"confidence":0.83154297,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.14923301339149475},{"word":"and","start":1657.2051,"end":1657.4451,"confidence":0.6958008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1143212765455246},{"word":"that","start":1657.4451,"end":1657.685,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11331306397914886},{"word":"all","start":1657.685,"end":1657.8451,"confidence":0.9580078,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10331836342811584},{"word":"has","start":1657.8451,"end":1658.0851,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08029342442750931},{"word":"to","start":1658.0851,"end":1658.245,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0714755728840828},{"word":"be","start":1658.245,"end":1658.485,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09617998450994492},{"word":"included","start":1658.485,"end":1658.9651,"confidence":0.9658203,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.1445065289735794},{"word":"in","start":1658.9651,"end":1659.2051,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10730323195457458},{"word":"your","start":1659.2051,"end":1659.4451,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10205002129077911},{"word":"personal","start":1659.4451,"end":1659.925,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.09151896834373474},{"word":"tax","start":1659.925,"end":1660.165,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.088138647377491},{"word":"return","start":1660.165,"end":1660.645,"confidence":0.73413086,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.07175178825855255},{"word":"so","start":1660.645,"end":1660.885,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03650130331516266},{"word":"it","start":1660.885,"end":1660.9651,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06110985577106476},{"word":"doesn't","start":1660.9651,"end":1661.285,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.00031917047454044223},{"word":"actually","start":1661.285,"end":1661.765,"confidence":0.9951172,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.04894273728132248},{"word":"reduce","start":1661.765,"end":1662.165,"confidence":0.9902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.05131695419549942},{"word":"your","start":1662.165,"end":1662.665,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.049116700887680054},{"word":"tax","start":1663.365,"end":1663.765,"confidence":0.9838867,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.08298469334840775},{"word":"payable","start":1663.765,"end":1664.265,"confidence":0.99658203,"punctuated_word":"payable.","sentiment":"neutral","sentiment_score":-0.08329534530639648},{"word":"under","start":1665.685,"end":1666.185,"confidence":0.9580078,"punctuated_word":"Under","sentiment":"neutral","sentiment_score":-0.05760601535439491},{"word":"under","start":1666.245,"end":1666.5651,"confidence":0.9980469,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.03545206040143967},{"word":"the","start":1666.5651,"end":1666.7251,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.052750445902347565},{"word":"legislation","start":1666.7251,"end":1667.2251,"confidence":1.0,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.04072500765323639},{"word":"under","start":1667.4451,"end":1667.685,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.05057467520236969},{"word":"the","start":1667.685,"end":1667.8451,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07449400424957275},{"word":"tax","start":1667.8451,"end":1668.165,"confidence":0.96435547,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.06749895960092545},{"word":"act","start":1668.165,"end":1668.405,"confidence":0.83447266,"punctuated_word":"act,","sentiment":"neutral","sentiment_score":-0.06037703156471253},{"word":"we","start":1668.405,"end":1668.5651,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09224526584148408},{"word":"actually","start":1668.5651,"end":1668.885,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.08718772977590561},{"word":"can't","start":1668.885,"end":1669.125,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1015174612402916},{"word":"provide","start":1669.125,"end":1669.605,"confidence":0.9970703,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.12118935585021973},{"word":"advice","start":1669.605,"end":1670.0851,"confidence":0.9536133,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.1083480566740036},{"word":"solely","start":1670.0851,"end":1670.485,"confidence":0.9970703,"punctuated_word":"solely","sentiment":"neutral","sentiment_score":-0.13516975939273834},{"word":"for","start":1670.485,"end":1670.645,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1105908453464508},{"word":"the","start":1670.645,"end":1670.805,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07457184046506882},{"word":"purpose","start":1670.805,"end":1671.2051,"confidence":1.0,"punctuated_word":"purpose","sentiment":"neutral","sentiment_score":-0.09414034336805344},{"word":"of","start":1671.2051,"end":1671.365,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11505316942930222},{"word":"reducing","start":1671.365,"end":1671.8451,"confidence":1.0,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":-0.13927792012691498},{"word":"tax","start":1671.8451,"end":1672.14,"confidence":0.9145508,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.20503878593444824},{"word":"that","start":1672.22,"end":1672.38,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.27842870354652405},{"word":"is","start":1672.38,"end":1672.62,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.25516676902770996},{"word":"seen","start":1672.62,"end":1672.9401,"confidence":0.41015625,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.28104710578918457},{"word":"as","start":1672.9401,"end":1673.02,"confidence":0.9863281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.26934459805488586},{"word":"a","start":1673.02,"end":1673.18,"confidence":0.91503906,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.33477187156677246},{"word":"tax","start":1673.18,"end":1673.66,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"negative","sentiment_score":-0.34046149253845215},{"word":"avoidance","start":1673.66,"end":1674.16,"confidence":0.9589844,"punctuated_word":"avoidance","sentiment":"negative","sentiment_score":-0.35041266679763794},{"word":"measure","start":1674.22,"end":1674.72,"confidence":0.9025879,"punctuated_word":"measure.","sentiment":"neutral","sentiment_score":-0.2443917989730835},{"word":"but","start":1675.58,"end":1675.98,"confidence":0.66259766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05712883546948433},{"word":"if","start":1675.98,"end":1676.14,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05585817992687225},{"word":"you're","start":1676.14,"end":1676.38,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.032656800001859665},{"word":"looking","start":1676.38,"end":1676.7001,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.04683946818113327},{"word":"to","start":1676.7001,"end":1677.02,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4418341517448426},{"word":"buy","start":1677.02,"end":1677.34,"confidence":1.0,"punctuated_word":"buy","sentiment":"negative","sentiment_score":-0.43036413192749023},{"word":"a","start":1677.34,"end":1677.42,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.31307661533355713},{"word":"new","start":1677.42,"end":1677.66,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.2116336077451706},{"word":"property","start":1677.66,"end":1678.16,"confidence":0.97265625,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.22139328718185425},{"word":"it","start":1678.38,"end":1678.78,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24586614966392517},{"word":"is","start":1678.78,"end":1679.02,"confidence":0.6220703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2204701006412506},{"word":"actually","start":1679.02,"end":1679.52,"confidence":0.9863281,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.2171107977628708},{"word":"because","start":1679.8201,"end":1679.98,"confidence":0.96533203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.16346073150634766},{"word":"that's","start":1679.98,"end":1680.14,"confidence":0.53605145,"punctuated_word":"that's,","sentiment":"neutral","sentiment_score":-0.2760776877403259},{"word":"i","start":1680.14,"end":1680.22,"confidence":0.7729492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2688712775707245},{"word":"mean","start":1680.22,"end":1680.38,"confidence":0.99658203,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.232689768075943},{"word":"that's","start":1680.38,"end":1680.62,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.27021095156669617},{"word":"the","start":1680.62,"end":1680.78,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2975979447364807},{"word":"whole","start":1680.78,"end":1680.9401,"confidence":0.99902344,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.181869238615036},{"word":"reason","start":1680.9401,"end":1681.34,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.17918173968791962},{"word":"we","start":1681.34,"end":1681.42,"confidence":0.97509766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.22939056158065796},{"word":"tend","start":1681.42,"end":1681.66,"confidence":0.99609375,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.17031484842300415},{"word":"to","start":1681.66,"end":1681.8201,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26809877157211304},{"word":"do","start":1681.8201,"end":1681.98,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.307079553604126},{"word":"these","start":1681.98,"end":1682.22,"confidence":0.99121094,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.25904667377471924},{"word":"sorts","start":1682.22,"end":1682.46,"confidence":0.9550781,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":-0.2555185556411743},{"word":"of","start":1682.46,"end":1682.62,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2916569709777832},{"word":"things","start":1682.62,"end":1683.12,"confidence":0.99365234,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.2319135069847107},{"word":"we","start":1683.34,"end":1683.42,"confidence":0.98291016,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.09398256242275238},{"word":"just","start":1683.42,"end":1683.66,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06827220320701599},{"word":"have","start":1683.66,"end":1683.9,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10119393467903136},{"word":"to","start":1683.9,"end":1683.98,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12793658673763275},{"word":"call","start":1683.98,"end":1684.22,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.12262368202209473},{"word":"it","start":1684.22,"end":1684.46,"confidence":0.96777344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0811261534690857},{"word":"something","start":1684.46,"end":1684.78,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.12162986397743224},{"word":"else","start":1684.78,"end":1685.28,"confidence":0.9916992,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.14735126495361328},{"word":"but","start":1688.095,"end":1688.4149,"confidence":0.81640625,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.017929717898368835},{"word":"realistically","start":1688.4149,"end":1688.9149,"confidence":0.99902344,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.009153313934803007},{"word":"like","start":1689.0549,"end":1689.215,"confidence":0.9890137,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02381647378206253},{"word":"if","start":1689.215,"end":1689.455,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.012305475771427156},{"word":"you're","start":1689.455,"end":1689.695,"confidence":0.9223633,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.003662521718069911},{"word":"wanting","start":1689.695,"end":1690.015,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.01888977736234665},{"word":"to","start":1690.015,"end":1690.1749,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008251838386058807},{"word":"be","start":1690.1749,"end":1690.335,"confidence":0.9863281,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.027591116726398468},{"word":"able","start":1690.335,"end":1690.495,"confidence":0.94921875,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.059707161039114},{"word":"to","start":1690.495,"end":1690.575,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046162866055965424},{"word":"build","start":1690.575,"end":1690.895,"confidence":0.9921875,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.12093811482191086},{"word":"wealth","start":1690.895,"end":1691.215,"confidence":0.96777344,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":0.16851408779621124},{"word":"outside","start":1691.215,"end":1691.715,"confidence":0.9707031,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.11255799233913422},{"word":"of","start":1691.775,"end":1691.9349,"confidence":0.82666016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030612193048000336},{"word":"so","start":1691.9349,"end":1692.095,"confidence":0.34033203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0419437438249588},{"word":"far","start":1692.095,"end":1692.595,"confidence":0.9880371,"punctuated_word":"far,","sentiment":"neutral","sentiment_score":0.04196599870920181},{"word":"looking","start":1692.975,"end":1693.375,"confidence":0.84765625,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.07029350847005844},{"word":"at","start":1693.375,"end":1693.695,"confidence":0.9421387,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.0915832817554474},{"word":"say","start":1693.695,"end":1694.1749,"confidence":0.9970703,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.12519150972366333},{"word":"an","start":1694.1749,"end":1694.4149,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1944994330406189},{"word":"investment","start":1694.4149,"end":1694.9149,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11949895322322844},{"word":"property","start":1694.975,"end":1695.475,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.11402400583028792},{"word":"is","start":1695.5349,"end":1695.775,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15710163116455078},{"word":"a","start":1695.775,"end":1695.855,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1238604485988617},{"word":"good","start":1695.855,"end":1696.095,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2627222537994385},{"word":"way","start":1696.095,"end":1696.255,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1088627502322197},{"word":"to","start":1696.255,"end":1696.4149,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10381198674440384},{"word":"do","start":1696.4149,"end":1696.6549,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13248078525066376},{"word":"that","start":1696.6549,"end":1696.975,"confidence":0.98950195,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.04505414888262749},{"word":"you're","start":1696.975,"end":1697.375,"confidence":0.929362,"punctuated_word":"You're,","sentiment":"neutral","sentiment_score":0.2972445487976074},{"word":"you","start":1697.375,"end":1697.5349,"confidence":0.7963867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26676827669143677},{"word":"know","start":1697.5349,"end":1697.775,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.300894558429718},{"word":"building","start":1697.775,"end":1698.255,"confidence":0.99902344,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.47149237990379333},{"word":"your","start":1698.255,"end":1698.575,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4481944441795349},{"word":"ad","start":1698.575,"end":1698.735,"confidence":0.34277344,"punctuated_word":"ad","sentiment":"positive","sentiment_score":0.35992830991744995},{"word":"your","start":1698.815,"end":1699.0549,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4042580127716065},{"word":"net","start":1699.0549,"end":1699.2949,"confidence":0.9980469,"punctuated_word":"net","sentiment":"positive","sentiment_score":0.40251198410987854},{"word":"assets","start":1699.2949,"end":1699.7949,"confidence":0.6958008,"punctuated_word":"assets","sentiment":"positive","sentiment_score":0.4326053261756897},{"word":"and","start":1700.04,"end":1700.28,"confidence":0.9921875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4597341418266296},{"word":"growing","start":1700.28,"end":1700.78,"confidence":1.0,"punctuated_word":"growing","sentiment":"positive","sentiment_score":0.5612961053848267},{"word":"investments","start":1701.0,"end":1701.4,"confidence":0.57470703,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.39824023842811584},{"word":"to","start":1701.4,"end":1701.56,"confidence":0.4802246,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5301364660263062},{"word":"the","start":1701.56,"end":1701.7201,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45682084560394287},{"word":"future","start":1701.7201,"end":1702.04,"confidence":0.91137695,"punctuated_word":"future,","sentiment":"positive","sentiment_score":0.42024868726730347},{"word":"and","start":1702.04,"end":1702.2001,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5036022663116455},{"word":"property","start":1702.2001,"end":1702.52,"confidence":1.0,"punctuated_word":"property","sentiment":"positive","sentiment_score":0.7108942866325378},{"word":"tends","start":1702.52,"end":1702.8401,"confidence":0.9980469,"punctuated_word":"tends","sentiment":"positive","sentiment_score":0.6723178029060364},{"word":"to","start":1702.8401,"end":1703.0,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6682391166687012},{"word":"do","start":1703.0,"end":1703.16,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.6638318300247192},{"word":"very","start":1703.16,"end":1703.4,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7020590901374817},{"word":"well","start":1703.4,"end":1703.7201,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.7132606506347656},{"word":"over","start":1703.7201,"end":1703.9601,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6071232557296753},{"word":"the","start":1703.9601,"end":1704.04,"confidence":0.734375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6166306734085083},{"word":"longer","start":1704.04,"end":1704.3601,"confidence":0.9951172,"punctuated_word":"longer","sentiment":"positive","sentiment_score":0.5652787685394287},{"word":"term","start":1704.3601,"end":1704.6001,"confidence":0.99316406,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.5020578503608704},{"word":"there","start":1704.6001,"end":1704.92,"confidence":0.9980469,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.6017284989356995},{"word":"as","start":1704.92,"end":1705.0801,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.48388540744781494},{"word":"well","start":1705.0801,"end":1705.5801,"confidence":0.99316406,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3533552289009094},{"word":"and","start":1706.12,"end":1706.28,"confidence":0.8935547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0943050980567932},{"word":"then","start":1706.28,"end":1706.4401,"confidence":0.97509766,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08697789907455444},{"word":"if","start":1706.4401,"end":1706.6001,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11261127889156342},{"word":"you","start":1706.6001,"end":1706.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13036048412322998},{"word":"rent","start":1706.76,"end":1707.0,"confidence":0.9902344,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.06749939173460007},{"word":"the","start":1707.0,"end":1707.16,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07064662873744965},{"word":"property","start":1707.16,"end":1707.56,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.07699223607778549},{"word":"out","start":1707.56,"end":1707.7201,"confidence":0.9133301,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.0844574123620987},{"word":"plus","start":1707.7201,"end":1707.9601,"confidence":0.9970703,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.030528560280799866},{"word":"you've","start":1707.9601,"end":1708.2001,"confidence":0.96240234,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08657906949520111},{"word":"got","start":1708.2001,"end":1708.3601,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08178386092185974},{"word":"management","start":1708.3601,"end":1708.8601,"confidence":0.99902344,"punctuated_word":"management","sentiment":"neutral","sentiment_score":0.051118385046720505},{"word":"fees","start":1709.0,"end":1709.24,"confidence":0.97998047,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.0656270682811737},{"word":"and","start":1709.24,"end":1709.4,"confidence":0.64746094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03583316132426262},{"word":"you've","start":1709.4,"end":1709.64,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04809151217341423},{"word":"got","start":1709.64,"end":1709.8,"confidence":0.9494629,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.039151839911937714},{"word":"you","start":1709.8,"end":1709.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02090450748801231},{"word":"know","start":1709.88,"end":1710.12,"confidence":0.9921875,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03767955303192139},{"word":"you've","start":1710.12,"end":1710.3601,"confidence":0.99609375,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0745900496840477},{"word":"gotta","start":1710.3601,"end":1710.8401,"confidence":0.7495117,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.06542184948921204},{"word":"look","start":1710.8401,"end":1711.0801,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02612309530377388},{"word":"after","start":1711.0801,"end":1711.4,"confidence":0.9951172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.058289989829063416},{"word":"the","start":1711.4,"end":1711.56,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09390884637832642},{"word":"property","start":1711.56,"end":1711.88,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.0754486620426178},{"word":"as","start":1711.88,"end":1712.04,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06334346532821655},{"word":"well","start":1712.04,"end":1712.28,"confidence":0.8095703,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.034764550626277924},{"word":"so","start":1712.28,"end":1712.52,"confidence":0.84472656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.007042210549116135},{"word":"ongoing","start":1712.52,"end":1713.0,"confidence":0.99121094,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.010222136974334717},{"word":"maintenance","start":1713.0,"end":1713.5,"confidence":0.99902344,"punctuated_word":"maintenance","sentiment":"neutral","sentiment_score":0.009113389998674393},{"word":"costs","start":1713.56,"end":1713.8,"confidence":0.94189453,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":-0.0013530664145946505},{"word":"and","start":1713.8,"end":1713.9601,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020316217094659805},{"word":"things","start":1713.9601,"end":1714.3601,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.031002894043922424},{"word":"like","start":1714.3601,"end":1714.52,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.034700024873018265},{"word":"that","start":1714.52,"end":1715.02,"confidence":0.83740234,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.015636878088116646},{"word":"if","start":1715.265,"end":1715.505,"confidence":0.99316406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.027373619377613068},{"word":"the","start":1715.505,"end":1715.5851,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10460959374904633},{"word":"rent","start":1715.5851,"end":1715.905,"confidence":0.99609375,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":-0.0644848644733429},{"word":"you're","start":1715.905,"end":1716.145,"confidence":0.97094727,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07894130051136017},{"word":"bringing","start":1716.145,"end":1716.545,"confidence":0.9980469,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":-0.10225258767604828},{"word":"in","start":1716.545,"end":1716.785,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0773262232542038},{"word":"just","start":1716.785,"end":1717.025,"confidence":0.9838867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06911252439022064},{"word":"so","start":1717.025,"end":1717.265,"confidence":0.98095703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10381948202848434},{"word":"happens","start":1717.265,"end":1717.765,"confidence":0.97802734,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.07322805374860764},{"word":"to","start":1717.985,"end":1718.485,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09266174584627151},{"word":"not","start":1718.625,"end":1719.025,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10965529084205627},{"word":"cover","start":1719.025,"end":1719.525,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.1128282994031906},{"word":"the","start":1719.985,"end":1720.145,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13040021061897278},{"word":"cost","start":1720.145,"end":1720.465,"confidence":0.99609375,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.10472318530082704},{"word":"of","start":1720.465,"end":1720.625,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1516854763031006},{"word":"the","start":1720.625,"end":1720.865,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18246464431285855},{"word":"loan","start":1720.865,"end":1721.185,"confidence":0.9941406,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.2217320501804352},{"word":"repayment","start":1721.185,"end":1721.685,"confidence":0.6567383,"punctuated_word":"repayment","sentiment":"neutral","sentiment_score":-0.1793612241744995},{"word":"or","start":1721.8251,"end":1721.985,"confidence":0.37597656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13092434406280518},{"word":"sorry","start":1721.985,"end":1722.225,"confidence":0.7052002,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.1515188068151474},{"word":"it's","start":1722.225,"end":1722.385,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09969016164541245},{"word":"not","start":1722.385,"end":1722.625,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10576131939888},{"word":"so","start":1722.625,"end":1722.7051,"confidence":0.97509766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12516050040721893},{"word":"much","start":1722.7051,"end":1722.9451,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08769527077674866},{"word":"the","start":1722.9451,"end":1723.025,"confidence":0.9223633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10875503718852995},{"word":"principal","start":1723.025,"end":1723.505,"confidence":0.70947266,"punctuated_word":"principal.","sentiment":"neutral","sentiment_score":-0.10686744749546052},{"word":"it's","start":1723.505,"end":1723.665,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.02757123671472073},{"word":"the","start":1723.665,"end":1723.8251,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00895700603723526},{"word":"interest","start":1723.8251,"end":1724.225,"confidence":0.99902344,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.02164259552955627},{"word":"on","start":1724.225,"end":1724.385,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.018795475363731384},{"word":"the","start":1724.385,"end":1724.465,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025038260966539383},{"word":"loan","start":1724.465,"end":1724.7051,"confidence":1.0,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.04895841330289841},{"word":"repayment","start":1724.7051,"end":1725.2051,"confidence":0.70703125,"punctuated_word":"repayment","sentiment":"neutral","sentiment_score":-0.04182157665491104},{"word":"plus","start":1725.345,"end":1725.665,"confidence":0.5751953,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.03179072216153145},{"word":"your","start":1725.665,"end":1725.8251,"confidence":0.97998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.037256911396980286},{"word":"management","start":1725.8251,"end":1726.3251,"confidence":1.0,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.09262825548648834},{"word":"fees","start":1726.385,"end":1726.7051,"confidence":0.9350586,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.08968636393547058},{"word":"plus","start":1726.7051,"end":1726.9451,"confidence":0.7871094,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.10170402377843855},{"word":"your","start":1726.9451,"end":1727.105,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1274203360080719},{"word":"ongoing","start":1727.105,"end":1727.505,"confidence":0.9980469,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":-0.126229926943779},{"word":"maintenance","start":1727.505,"end":1727.985,"confidence":1.0,"punctuated_word":"maintenance","sentiment":"neutral","sentiment_score":-0.12744174897670746},{"word":"costs","start":1727.985,"end":1728.305,"confidence":0.76831055,"punctuated_word":"costs,","sentiment":"neutral","sentiment_score":-0.1403997838497162},{"word":"then","start":1728.305,"end":1728.465,"confidence":0.96533203,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.14619484543800354},{"word":"you've","start":1728.465,"end":1728.7051,"confidence":0.6948242,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.15761764347553253},{"word":"technically","start":1728.7051,"end":1729.185,"confidence":0.98095703,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.1858285367488861},{"word":"negatively","start":1729.185,"end":1729.685,"confidence":0.9560547,"punctuated_word":"negatively","sentiment":"neutral","sentiment_score":-0.17039787769317627},{"word":"geared","start":1729.745,"end":1730.0651,"confidence":0.3725586,"punctuated_word":"geared","sentiment":"neutral","sentiment_score":-0.2795513868331909},{"word":"the","start":1730.0651,"end":1730.145,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2843186855316162},{"word":"property","start":1730.145,"end":1730.645,"confidence":0.80322266,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.28820115327835083},{"word":"and","start":1731.08,"end":1731.24,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.154530867934227},{"word":"that","start":1731.24,"end":1731.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06336373835802078},{"word":"gives","start":1731.4,"end":1731.8,"confidence":0.9970703,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.0680638998746872},{"word":"you","start":1731.8,"end":1731.88,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10675258189439774},{"word":"a","start":1731.88,"end":1732.04,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0766788125038147},{"word":"tax","start":1732.04,"end":1732.28,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06335265934467316},{"word":"deduction","start":1732.28,"end":1732.78,"confidence":0.89453125,"punctuated_word":"deduction.","sentiment":"neutral","sentiment_score":0.0272420197725296},{"word":"and","start":1734.04,"end":1734.28,"confidence":0.81640625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2801079750061035},{"word":"that","start":1734.28,"end":1734.52,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32367733120918274},{"word":"works","start":1734.52,"end":1734.84,"confidence":0.90722656,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.4294458329677582},{"word":"out","start":1734.84,"end":1735.34,"confidence":0.98095703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5096995234489441},{"word":"really","start":1735.48,"end":1735.88,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.42179906368255615},{"word":"well","start":1735.88,"end":1736.12,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.357921302318573},{"word":"it's","start":1736.12,"end":1736.36,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.3169490098953247},{"word":"one","start":1736.36,"end":1736.52,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3759484589099884},{"word":"of","start":1736.52,"end":1736.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.33008068799972534},{"word":"the","start":1736.68,"end":1736.76,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36814138293266296},{"word":"best","start":1736.76,"end":1737.08,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.34678974747657776},{"word":"ways","start":1737.08,"end":1737.48,"confidence":0.9970703,"punctuated_word":"ways","sentiment":"positive","sentiment_score":0.3933244049549103},{"word":"to","start":1737.48,"end":1737.64,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4123139083385467},{"word":"be","start":1737.64,"end":1737.88,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.35715994238853455},{"word":"able","start":1737.88,"end":1738.12,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.34844350814819336},{"word":"to","start":1738.12,"end":1738.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2891184985637665},{"word":"minimize","start":1738.76,"end":1739.26,"confidence":1.0,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":0.2578887343406677},{"word":"the","start":1739.48,"end":1739.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21403521299362183},{"word":"amount","start":1739.72,"end":1739.96,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.12886464595794678},{"word":"of","start":1739.96,"end":1740.04,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15853609144687653},{"word":"tax","start":1740.04,"end":1740.36,"confidence":0.9892578,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12341727316379549},{"word":"we","start":1740.36,"end":1740.52,"confidence":0.97802734,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1267062872648239},{"word":"are","start":1740.52,"end":1740.76,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16812387108802795},{"word":"paying","start":1740.76,"end":1741.26,"confidence":0.8405762,"punctuated_word":"paying.","sentiment":"neutral","sentiment_score":0.0671657919883728},{"word":"but","start":1742.36,"end":1742.76,"confidence":0.9838867,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09648247063159944},{"word":"the","start":1742.76,"end":1743.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24176684021949768},{"word":"tough","start":1743.0,"end":1743.5,"confidence":0.90771484,"punctuated_word":"tough","sentiment":"neutral","sentiment_score":-0.30182310938835144},{"word":"thing","start":1743.56,"end":1743.88,"confidence":0.94970703,"punctuated_word":"thing","sentiment":"negative","sentiment_score":-0.35119903087615967},{"word":"at","start":1743.88,"end":1743.96,"confidence":0.99316406,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3909265697002411},{"word":"the","start":1743.96,"end":1744.12,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4262491166591644},{"word":"moment","start":1744.12,"end":1744.6,"confidence":1.0,"punctuated_word":"moment","sentiment":"negative","sentiment_score":-0.4851434826850891},{"word":"is","start":1744.6,"end":1744.68,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.47953060269355774},{"word":"that","start":1744.68,"end":1744.92,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.46701502799987793},{"word":"with","start":1744.92,"end":1745.16,"confidence":0.9790039,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5182248950004578},{"word":"this","start":1745.16,"end":1745.4,"confidence":0.91015625,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.5135588049888611},{"word":"bill","start":1745.4,"end":1745.8,"confidence":1.0,"punctuated_word":"bill","sentiment":"negative","sentiment_score":-0.4833247661590576},{"word":"coming","start":1745.8,"end":1746.12,"confidence":1.0,"punctuated_word":"coming","sentiment":"negative","sentiment_score":-0.5772260427474976},{"word":"in","start":1746.12,"end":1746.62,"confidence":0.9921875,"punctuated_word":"in,","sentiment":"negative","sentiment_score":-0.4706656038761139},{"word":"it's","start":1747.0549,"end":1747.2549,"confidence":0.9301758,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5619089007377625},{"word":"well","start":1747.455,"end":1747.855,"confidence":0.99609375,"punctuated_word":"well,","sentiment":"negative","sentiment_score":-0.4801303744316101},{"word":"if","start":1747.855,"end":1748.015,"confidence":0.9560547,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5263640284538269},{"word":"this","start":1748.015,"end":1748.255,"confidence":0.9863281,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.5932514071464539},{"word":"bill","start":1748.255,"end":1748.575,"confidence":0.9741211,"punctuated_word":"bill","sentiment":"negative","sentiment_score":-0.5501919984817505},{"word":"goes","start":1748.575,"end":1748.895,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"negative","sentiment_score":-0.6083776950836182},{"word":"through","start":1748.895,"end":1749.395,"confidence":0.9890137,"punctuated_word":"through,","sentiment":"negative","sentiment_score":-0.5689188838005066},{"word":"then","start":1750.015,"end":1750.255,"confidence":0.62109375,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.4720273017883301},{"word":"it","start":1750.255,"end":1750.4149,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.5730293393135071},{"word":"might","start":1750.4149,"end":1750.815,"confidence":1.0,"punctuated_word":"might","sentiment":"negative","sentiment_score":-0.490368127822876},{"word":"change","start":1750.815,"end":1751.215,"confidence":1.0,"punctuated_word":"change","sentiment":"negative","sentiment_score":-0.5479592680931091},{"word":"the","start":1751.215,"end":1751.2949,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.45799463987350464},{"word":"way","start":1751.2949,"end":1751.535,"confidence":1.0,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.48302793502807617},{"word":"we","start":1751.535,"end":1751.775,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3737412095069885},{"word":"are","start":1751.775,"end":1751.9349,"confidence":1.0,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.4147539138793946},{"word":"able","start":1751.9349,"end":1752.335,"confidence":1.0,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.42527878284454346},{"word":"to","start":1752.335,"end":1752.495,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4327278733253479},{"word":"negatively","start":1752.495,"end":1752.995,"confidence":0.9741211,"punctuated_word":"negatively","sentiment":"neutral","sentiment_score":-0.3276132643222809},{"word":"give","start":1753.135,"end":1753.455,"confidence":0.7071533,"punctuated_word":"give.","sentiment":"neutral","sentiment_score":-0.15028461813926697},{"word":"so","start":1753.455,"end":1753.955,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08504076302051544},{"word":"i'm","start":1754.495,"end":1754.815,"confidence":0.9523926,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10619661211967468},{"word":"just","start":1754.815,"end":1755.0549,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11420567333698271},{"word":"of","start":1755.0549,"end":1755.215,"confidence":0.77246094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08484063297510147},{"word":"the","start":1755.215,"end":1755.2949,"confidence":0.7597656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09369447827339172},{"word":"opinion","start":1755.2949,"end":1755.695,"confidence":0.99902344,"punctuated_word":"opinion","sentiment":"neutral","sentiment_score":-0.13537168502807617},{"word":"at","start":1755.695,"end":1755.775,"confidence":0.94970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08601164817810059},{"word":"the","start":1755.775,"end":1755.855,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08876750618219376},{"word":"moment","start":1755.855,"end":1756.255,"confidence":0.7504883,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.07713879644870758},{"word":"have","start":1756.255,"end":1756.495,"confidence":0.99609375,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.04604142904281616},{"word":"a","start":1756.495,"end":1756.575,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012886758893728256},{"word":"think","start":1756.575,"end":1756.815,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04401787370443344},{"word":"about","start":1756.815,"end":1756.975,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.016368776559829712},{"word":"what","start":1756.975,"end":1757.135,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011985346674919128},{"word":"you'd","start":1757.135,"end":1757.375,"confidence":0.99853516,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.006762142293155193},{"word":"like","start":1757.375,"end":1757.615,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02894897013902664},{"word":"to","start":1757.615,"end":1757.695,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.026074983179569244},{"word":"do","start":1757.695,"end":1758.095,"confidence":0.796875,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.002997085452079773},{"word":"if","start":1758.095,"end":1758.335,"confidence":0.8959961,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.00412953644990921},{"word":"and","start":1758.335,"end":1758.495,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0020271465182304382},{"word":"when","start":1758.495,"end":1758.735,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0053255632519721985},{"word":"you","start":1758.735,"end":1758.895,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003778301179409027},{"word":"wanna","start":1758.895,"end":1759.135,"confidence":0.54833984,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.028610175475478172},{"word":"sort","start":1759.135,"end":1759.375,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0035123825073242188},{"word":"of","start":1759.375,"end":1759.455,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01052839308977127},{"word":"look","start":1759.455,"end":1759.695,"confidence":0.9941406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04549241438508034},{"word":"at","start":1759.695,"end":1759.855,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.012922167778015137},{"word":"buying","start":1759.855,"end":1760.095,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":-0.03297117352485657},{"word":"a","start":1760.095,"end":1760.255,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008816327899694443},{"word":"new","start":1760.255,"end":1760.46,"confidence":0.9902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.0255669504404068},{"word":"property","start":1760.46,"end":1760.7,"confidence":0.98535156,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.009519346058368685},{"word":"we","start":1760.7,"end":1760.86,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05347597226500511},{"word":"can","start":1760.86,"end":1760.94,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07773049920797348},{"word":"put","start":1760.94,"end":1761.1799,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.037466228008270264},{"word":"you","start":1761.1799,"end":1761.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0699002593755722},{"word":"in","start":1761.34,"end":1761.4199,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03919437527656555},{"word":"touch","start":1761.4199,"end":1761.6599,"confidence":0.9970703,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.019592374563217163},{"word":"with","start":1761.6599,"end":1761.8999,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06284187734127045},{"word":"a","start":1761.8999,"end":1761.98,"confidence":0.7973633,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05353359133005142},{"word":"mortgage","start":1761.98,"end":1762.38,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.04766071587800979},{"word":"broker","start":1762.38,"end":1762.7,"confidence":0.9863281,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.00365842878818512},{"word":"to","start":1762.7,"end":1762.94,"confidence":0.9316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11862404644489288},{"word":"sort","start":1762.94,"end":1763.1799,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.045758023858070374},{"word":"of","start":1763.1799,"end":1763.26,"confidence":0.68066406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12431886792182922},{"word":"help","start":1763.26,"end":1763.5,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.10168132185935974},{"word":"you","start":1763.5,"end":1763.6599,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09575814008712769},{"word":"with","start":1763.6599,"end":1763.8999,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07233133912086487},{"word":"that","start":1763.8999,"end":1764.3999,"confidence":0.81640625,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.033955249935388565},{"word":"but","start":1765.02,"end":1765.1799,"confidence":0.51953125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.12178385257720949},{"word":"i","start":1765.1799,"end":1765.34,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3079167902469635},{"word":"would","start":1765.34,"end":1765.58,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.31521791219711304},{"word":"be","start":1765.58,"end":1765.74,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.30807554721832275},{"word":"very","start":1765.74,"end":1765.98,"confidence":0.9970703,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.340182900428772},{"word":"mindful","start":1765.98,"end":1766.48,"confidence":1.0,"punctuated_word":"mindful","sentiment":"negative","sentiment_score":-0.3616644144058227},{"word":"of","start":1766.5399,"end":1766.86,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3929690718650818},{"word":"just","start":1766.86,"end":1767.1,"confidence":0.91503906,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4548296332359314},{"word":"being","start":1767.1,"end":1767.34,"confidence":0.9970703,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.45795196294784546},{"word":"cautious","start":1767.34,"end":1767.82,"confidence":0.9980469,"punctuated_word":"cautious","sentiment":"negative","sentiment_score":-0.4233050644397736},{"word":"about","start":1767.82,"end":1768.0599,"confidence":0.9970703,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.5075348615646362},{"word":"doing","start":1768.0599,"end":1768.38,"confidence":1.0,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.5808411240577698},{"word":"it","start":1768.38,"end":1768.62,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4635125696659088},{"word":"now","start":1768.62,"end":1769.02,"confidence":0.9941406,"punctuated_word":"now.","sentiment":"negative","sentiment_score":-0.4423472583293915},{"word":"i'd","start":1769.02,"end":1769.26,"confidence":0.99560547,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.34619688987731934},{"word":"be","start":1769.26,"end":1769.4199,"confidence":0.99902344,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.35144177079200745},{"word":"waiting","start":1769.4199,"end":1769.82,"confidence":1.0,"punctuated_word":"waiting","sentiment":"negative","sentiment_score":-0.3696821331977844},{"word":"to","start":1769.82,"end":1769.8999,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4004405736923218},{"word":"see","start":1769.8999,"end":1770.14,"confidence":0.99902344,"punctuated_word":"see","sentiment":"negative","sentiment_score":-0.3492254912853241},{"word":"what","start":1770.14,"end":1770.2999,"confidence":1.0,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.3388662338256836},{"word":"happens","start":1770.2999,"end":1770.7799,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"negative","sentiment_score":-0.35941657423973083},{"word":"with","start":1770.7799,"end":1770.94,"confidence":1.0,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.42112189531326294},{"word":"this","start":1770.94,"end":1771.1799,"confidence":0.9267578,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4142402410507202},{"word":"bill","start":1771.1799,"end":1771.5,"confidence":0.99121094,"punctuated_word":"bill","sentiment":"negative","sentiment_score":-0.34678423404693604},{"word":"to","start":1771.5,"end":1771.6599,"confidence":0.9902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3835776448249817},{"word":"work","start":1771.6599,"end":1771.8999,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.3143584728240967},{"word":"out","start":1771.8999,"end":1772.22,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2562636733055115},{"word":"whether","start":1772.22,"end":1772.5399,"confidence":0.99609375,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.2574881613254547},{"word":"you","start":1772.5399,"end":1772.7799,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31471365690231323},{"word":"buy","start":1772.7799,"end":1773.2799,"confidence":0.99609375,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.27567940950393677},{"word":"your","start":1773.4249,"end":1773.745,"confidence":0.94189453,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.26993751525878906},{"word":"forever","start":1773.745,"end":1774.065,"confidence":0.99121094,"punctuated_word":"forever","sentiment":"neutral","sentiment_score":-0.18516570329666135},{"word":"home","start":1774.065,"end":1774.385,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.15356001257896423},{"word":"and","start":1774.385,"end":1774.5449,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2499924749135971},{"word":"rent","start":1774.5449,"end":1774.7849,"confidence":0.99902344,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":-0.14484623074531555},{"word":"the","start":1774.7849,"end":1774.945,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.261548787355423},{"word":"current","start":1774.945,"end":1775.1849,"confidence":0.9970703,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.2967875897884369},{"word":"property","start":1775.1849,"end":1775.585,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.23503729701042175},{"word":"out","start":1775.585,"end":1775.905,"confidence":0.9863281,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.20656535029411316},{"word":"or","start":1775.905,"end":1775.985,"confidence":0.86621094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2535835802555084},{"word":"whether","start":1775.985,"end":1776.3049,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.2768535017967224},{"word":"you","start":1776.3049,"end":1776.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.30403605103492737},{"word":"have","start":1776.465,"end":1776.625,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2971822917461395},{"word":"to","start":1776.625,"end":1776.7849,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.33797505497932434},{"word":"buy","start":1776.7849,"end":1777.2849,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.3265334963798523},{"word":"a","start":1777.4249,"end":1777.585,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3465633988380432},{"word":"new","start":1777.585,"end":1777.825,"confidence":1.0,"punctuated_word":"new","sentiment":"negative","sentiment_score":-0.355771005153656},{"word":"property","start":1777.825,"end":1778.225,"confidence":0.9951172,"punctuated_word":"property","sentiment":"negative","sentiment_score":-0.3653721809387207},{"word":"to","start":1778.225,"end":1778.385,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.40490999817848206},{"word":"be","start":1778.385,"end":1778.5449,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3933115899562836},{"word":"able","start":1778.5449,"end":1778.865,"confidence":1.0,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.3871825635433197},{"word":"to","start":1778.865,"end":1779.1849,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.39540472626686096},{"word":"look","start":1779.1849,"end":1779.4249,"confidence":0.9970703,"punctuated_word":"look","sentiment":"negative","sentiment_score":-0.3889191746711731},{"word":"at","start":1779.4249,"end":1779.825,"confidence":0.9980469,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.49731212854385376},{"word":"negative","start":1779.825,"end":1780.3049,"confidence":0.9980469,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.3997619152069092},{"word":"gearing","start":1780.3049,"end":1780.705,"confidence":1.0,"punctuated_word":"gearing","sentiment":"negative","sentiment_score":-0.526444673538208},{"word":"to","start":1780.705,"end":1780.865,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.44939783215522766},{"word":"benefit","start":1780.865,"end":1781.345,"confidence":0.9951172,"punctuated_word":"benefit","sentiment":"negative","sentiment_score":-0.343353271484375},{"word":"you","start":1781.345,"end":1781.6649,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"negative","sentiment_score":-0.4573772251605987},{"word":"does","start":1781.6649,"end":1781.825,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.17973706126213074},{"word":"that","start":1781.825,"end":1781.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17653053998947144},{"word":"make","start":1781.985,"end":1782.145,"confidence":0.98291016,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.14762084186077118},{"word":"sense","start":1782.145,"end":1782.645,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.20504336059093475},{"word":"yeah","start":1783.585,"end":1784.085,"confidence":0.75439453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02531827613711357},{"word":"there's","start":1784.705,"end":1785.105,"confidence":0.9951172,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.12684234976768494},{"word":"just","start":1785.105,"end":1785.345,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13748891651630402},{"word":"so","start":1785.345,"end":1785.505,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.14972342550754547},{"word":"much","start":1785.505,"end":1785.745,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1941201537847519},{"word":"happening","start":1785.745,"end":1786.145,"confidence":0.5292969,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.223652645945549},{"word":"here","start":1786.145,"end":1786.3049,"confidence":0.85498047,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.18714489042758944},{"word":"at","start":1786.3049,"end":1786.385,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.17835286259651184},{"word":"the","start":1786.385,"end":1786.5449,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1739729642868042},{"word":"moment","start":1786.5449,"end":1787.0449,"confidence":0.8203125,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.1577025055885315},{"word":"yep","start":1801.13,"end":1801.5299,"confidence":0.8466797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1307355761528015},{"word":"yeah","start":1801.5299,"end":1802.0299,"confidence":0.8310547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22457119822502136},{"word":"yeah","start":1809.9551,"end":1810.115,"confidence":0.71435547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07778073102235794},{"word":"yeah","start":1810.115,"end":1810.615,"confidence":0.83325195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09754031896591188},{"word":"yeah","start":1811.635,"end":1811.7151,"confidence":0.85058594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18129882216453552},{"word":"perfect","start":1811.7151,"end":1812.2151,"confidence":0.97021484,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3771366477012634},{"word":"yeah","start":1817.5701,"end":1817.89,"confidence":0.8713379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06007154658436775},{"word":"so","start":1817.89,"end":1818.39,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04320853948593139},{"word":"yeah","start":1819.0901,"end":1819.5701,"confidence":0.9655762,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.026413317769765857},{"word":"so","start":1819.5701,"end":1819.89,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07175927609205246},{"word":"this","start":1819.89,"end":1820.13,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08628629148006439},{"word":"financial","start":1820.13,"end":1820.63,"confidence":0.9951172,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.0683397650718689},{"word":"year","start":1820.77,"end":1821.0901,"confidence":0.9628906,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.07793112099170685},{"word":"you","start":1821.0901,"end":1821.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09525684267282486},{"word":"can","start":1821.25,"end":1821.49,"confidence":0.9921875,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0988827869296074},{"word":"put","start":1821.49,"end":1821.7301,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08096223324537277},{"word":"in","start":1821.7301,"end":1821.89,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08775670826435089},{"word":"there","start":1821.89,"end":1822.2101,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08923102170228958},{"word":"up","start":1822.2101,"end":1822.37,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06129445135593414},{"word":"to","start":1822.37,"end":1822.6101,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0678940936923027},{"word":"the","start":1822.6101,"end":1822.93,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06208626925945282},{"word":"30,000","start":1822.93,"end":1823.8301,"confidence":0.99902344,"punctuated_word":"30,000.","sentiment":"neutral","sentiment_score":0.0752854198217392},{"word":"you","start":1825.17,"end":1825.49,"confidence":0.96533203,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12851524353027344},{"word":"could","start":1825.49,"end":1825.81,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.19766855239868164},{"word":"also","start":1825.81,"end":1826.31,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12613657116889954},{"word":"look","start":1826.37,"end":1826.6901,"confidence":0.99316406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11403995752334596},{"word":"at","start":1826.6901,"end":1827.01,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17804764211177826},{"word":"utilizing","start":1827.01,"end":1827.51,"confidence":0.9716797,"punctuated_word":"utilizing","sentiment":"neutral","sentiment_score":0.1236620396375656},{"word":"some","start":1827.65,"end":1828.065,"confidence":0.9892578,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09617578983306883},{"word":"catch","start":1828.1449,"end":1828.3049,"confidence":0.89501953,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.05901949107646942},{"word":"up","start":1828.3049,"end":1828.5449,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03960564732551575},{"word":"contributions","start":1828.5449,"end":1829.0449,"confidence":0.94970703,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.1124088540673256},{"word":"i","start":1829.5049,"end":1829.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08798828721046448},{"word":"would","start":1829.745,"end":1829.985,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10137400776147842},{"word":"say","start":1829.985,"end":1830.485,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.12017875909805298},{"word":"utilizing","start":1830.5449,"end":1831.0249,"confidence":0.9375,"punctuated_word":"utilizing","sentiment":"neutral","sentiment_score":0.040579985827207565},{"word":"catch","start":1831.0249,"end":1831.345,"confidence":0.9941406,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.08460598438978195},{"word":"up","start":1831.345,"end":1831.5049,"confidence":0.99121094,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04212202876806259},{"word":"contribution","start":1831.5049,"end":1831.985,"confidence":0.46801758,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.0353919193148613},{"word":"because","start":1832.065,"end":1832.465,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02206462249159813},{"word":"your","start":1832.465,"end":1832.705,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.011289402842521667},{"word":"balance","start":1832.705,"end":1833.205,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.09490028023719788},{"word":"is","start":1833.2649,"end":1833.7649,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.035426683723926544},{"word":"a","start":1833.825,"end":1833.9049,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002642706036567688},{"word":"lot","start":1833.9049,"end":1834.225,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.07287898659706116},{"word":"higher","start":1834.225,"end":1834.5449,"confidence":0.79418945,"punctuated_word":"higher,","sentiment":"neutral","sentiment_score":-0.024491742253303528},{"word":"once","start":1834.5449,"end":1834.7849,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.0902666226029396},{"word":"you","start":1834.7849,"end":1834.945,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05818876624107361},{"word":"hit","start":1834.945,"end":1835.1849,"confidence":0.9038086,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.12040293961763382},{"word":"that","start":1835.1849,"end":1835.5049,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05024218559265137},{"word":"$500,000","start":1835.5049,"end":1836.7849,"confidence":0.97802734,"punctuated_word":"$500,000","sentiment":"neutral","sentiment_score":0.02282688021659851},{"word":"balance","start":1836.7849,"end":1837.2849,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.07864762097597122},{"word":"as","start":1837.345,"end":1837.5049,"confidence":0.9550781,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06575628370046616},{"word":"of","start":1837.5049,"end":1837.745,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0647585317492485},{"word":"the","start":1837.745,"end":1837.9049,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016221314668655396},{"word":"july","start":1837.9049,"end":1838.4349,"confidence":0.912679,"punctuated_word":"July","sentiment":"neutral","sentiment_score":-0.002880990505218506},{"word":"1","start":1838.4349,"end":1838.965,"confidence":0.912679,"punctuated_word":"1,","sentiment":"neutral","sentiment_score":-0.03705872595310211},{"word":"any","start":1839.825,"end":1840.225,"confidence":0.9716797,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.09904402494430542},{"word":"financial","start":1840.225,"end":1840.725,"confidence":0.9980469,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.22523099184036255},{"word":"year","start":1840.7849,"end":1841.105,"confidence":0.92456055,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.20440545678138733},{"word":"you","start":1841.105,"end":1841.2649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.28298911452293396},{"word":"actually","start":1841.2649,"end":1841.585,"confidence":0.99121094,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.26083463430404663},{"word":"lose","start":1841.585,"end":1841.9049,"confidence":0.99902344,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.25476211309432983},{"word":"access","start":1841.9049,"end":1842.225,"confidence":0.9941406,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.3286438286304474},{"word":"to","start":1842.225,"end":1842.3049,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21108707785606384},{"word":"your","start":1842.3049,"end":1842.5449,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.22775426506996155},{"word":"catch","start":1842.5449,"end":1842.7849,"confidence":0.9902344,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.2321373075246811},{"word":"up","start":1842.7849,"end":1842.945,"confidence":0.9892578,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2725338935852051},{"word":"contributions","start":1842.945,"end":1843.445,"confidence":0.9213867,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":-0.1974940001964569},{"word":"so","start":1844.21,"end":1844.4501,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.22162188589572904},{"word":"if","start":1844.4501,"end":1844.77,"confidence":0.99609375,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.4930750131607056},{"word":"you","start":1844.77,"end":1844.93,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15419869124889374},{"word":"wanted","start":1844.93,"end":1845.33,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.09445281326770782},{"word":"to","start":1845.33,"end":1845.49,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08019444346427917},{"word":"yeah","start":1848.93,"end":1849.43,"confidence":0.97265625,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.10149061679840088},{"word":"if","start":1850.6901,"end":1850.93,"confidence":0.85498047,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.015131190419197084},{"word":"you","start":1850.93,"end":1851.09,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03711786866188049},{"word":"wanted","start":1851.09,"end":1851.41,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.06468532979488373},{"word":"to","start":1851.41,"end":1851.5701,"confidence":0.98999023,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.0992170125246048},{"word":"you","start":1851.5701,"end":1851.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13024768233299255},{"word":"could","start":1851.73,"end":1851.89,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.15575456619262695},{"word":"send","start":1851.89,"end":1852.13,"confidence":0.9526367,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07999803870916367},{"word":"through","start":1852.13,"end":1852.29,"confidence":0.9760742,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12355397641658784},{"word":"your","start":1852.29,"end":1852.4501,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11357196420431136},{"word":"catch","start":1852.4501,"end":1852.6901,"confidence":0.9741211,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.0386807918548584},{"word":"up","start":1852.6901,"end":1852.85,"confidence":0.9892578,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02178746461868286},{"word":"contributions","start":1852.85,"end":1853.35,"confidence":0.9099121,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.10196857154369354},{"word":"and","start":1853.41,"end":1853.5701,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19242718815803528},{"word":"i","start":1853.5701,"end":1853.65,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26078686118125916},{"word":"can","start":1853.65,"end":1853.81,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23684385418891907},{"word":"have","start":1853.81,"end":1853.97,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31488412618637085},{"word":"a","start":1853.97,"end":1854.05,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3618391752243042},{"word":"look","start":1854.05,"end":1854.29,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.31400442123413086},{"word":"at","start":1854.29,"end":1854.37,"confidence":0.9970703,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.413196861743927},{"word":"that","start":1854.37,"end":1854.53,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3333016037940979},{"word":"for","start":1854.53,"end":1854.6901,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3026506304740906},{"word":"you","start":1854.6901,"end":1854.85,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20196941494941711},{"word":"and","start":1854.85,"end":1855.01,"confidence":0.93603516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2422351837158203},{"word":"work","start":1855.01,"end":1855.17,"confidence":0.9892578,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.23147118091583252},{"word":"out","start":1855.17,"end":1855.41,"confidence":0.9316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.31153756380081177},{"word":"what","start":1855.41,"end":1855.5701,"confidence":0.9951172,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.36832764744758606},{"word":"you","start":1855.5701,"end":1855.73,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3623206615447998},{"word":"could","start":1855.73,"end":1855.89,"confidence":0.51904297,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3470939099788666},{"word":"put","start":1855.89,"end":1856.13,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.3428782820701599},{"word":"in","start":1856.13,"end":1856.29,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29532039165496826},{"word":"this","start":1856.29,"end":1856.53,"confidence":0.98095703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19509491324424744},{"word":"year","start":1856.53,"end":1856.6901,"confidence":0.96240234,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.20290714502334595},{"word":"to","start":1856.6901,"end":1856.85,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2468310296535492},{"word":"kind","start":1856.85,"end":1857.09,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2528097927570343},{"word":"of","start":1857.09,"end":1857.33,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2971426248550415},{"word":"give","start":1857.33,"end":1857.49,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.22918036580085752},{"word":"you","start":1857.49,"end":1857.65,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3440040946006775},{"word":"a","start":1857.65,"end":1857.81,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2546323835849762},{"word":"little","start":1857.81,"end":1857.97,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.20409846305847168},{"word":"bit","start":1857.97,"end":1858.13,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18607881665229797},{"word":"of","start":1858.13,"end":1858.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.182992160320282},{"word":"an","start":1858.29,"end":1858.4501,"confidence":0.9658203,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13814108073711395},{"word":"extra","start":1858.4501,"end":1858.77,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.03524443507194519},{"word":"tax","start":1858.77,"end":1859.01,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.013592422008514404},{"word":"deduction","start":1859.01,"end":1859.51,"confidence":0.8803711,"punctuated_word":"deduction.","sentiment":"neutral","sentiment_score":-0.007667191326618195},{"word":"no","start":1863.775,"end":1864.255,"confidence":0.99658203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15945492684841156},{"word":"no","start":1864.255,"end":1864.755,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13812851905822754},{"word":"because","start":1865.6951,"end":1866.1951,"confidence":0.6064453,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.002392247319221497},{"word":"if","start":1869.135,"end":1869.375,"confidence":0.7001953,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1019313782453537},{"word":"if","start":1869.375,"end":1869.615,"confidence":0.86328125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1186838522553444},{"word":"you","start":1869.615,"end":1869.775,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10085342824459076},{"word":"like","start":1869.775,"end":1870.015,"confidence":0.97802734,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11964207887649536},{"word":"i'll","start":1870.015,"end":1870.175,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12233425676822662},{"word":"send","start":1870.175,"end":1870.415,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.13694295287132263},{"word":"you","start":1870.415,"end":1870.5751,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12922663986682892},{"word":"an","start":1870.5751,"end":1870.735,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1028490960597992},{"word":"email","start":1870.735,"end":1870.975,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.13822785019874573},{"word":"after","start":1870.975,"end":1871.215,"confidence":0.9604492,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09810453653335573},{"word":"the","start":1871.215,"end":1871.375,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11229615658521652},{"word":"call","start":1871.375,"end":1871.615,"confidence":0.9511719,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.1300702840089798},{"word":"it'll","start":1871.615,"end":1871.935,"confidence":0.96118164,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.16374967992305756},{"word":"have","start":1871.935,"end":1872.255,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17179037630558014},{"word":"instructions","start":1872.255,"end":1872.755,"confidence":0.9921875,"punctuated_word":"instructions","sentiment":"neutral","sentiment_score":0.13664354383945465},{"word":"on","start":1872.8151,"end":1873.055,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14777517318725586},{"word":"how","start":1873.055,"end":1873.295,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11726820468902588},{"word":"to","start":1873.295,"end":1873.4551,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11098393052816392},{"word":"access","start":1873.4551,"end":1873.775,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.07262104004621506},{"word":"that","start":1873.775,"end":1874.015,"confidence":0.9716797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10070036351680756},{"word":"through","start":1874.015,"end":1874.175,"confidence":0.97998047,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1005161702632904},{"word":"your","start":1874.175,"end":1874.415,"confidence":0.96435547,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10935068875551224},{"word":"mygov","start":1874.415,"end":1874.8151,"confidence":0.798584,"punctuated_word":"MyGov","sentiment":"neutral","sentiment_score":0.09787559509277344},{"word":"account","start":1874.8151,"end":1875.27,"confidence":0.9975586,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.11001613736152648},{"word":"if","start":1875.27,"end":1875.43,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11622723937034608},{"word":"you","start":1875.43,"end":1875.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09487713128328323},{"word":"can","start":1875.59,"end":1875.75,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11331869661808014},{"word":"get","start":1875.75,"end":1875.87,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1197882816195488},{"word":"a","start":1875.87,"end":1875.99,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13746412098407745},{"word":"hold","start":1875.99,"end":1876.31,"confidence":0.6040039,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.10177531838417052},{"word":"of","start":1876.31,"end":1876.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1319914013147354},{"word":"that","start":1876.39,"end":1876.55,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1405828297138214},{"word":"and","start":1876.55,"end":1876.79,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.114364854991436},{"word":"send","start":1876.79,"end":1877.03,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07228337973356247},{"word":"it","start":1877.03,"end":1877.11,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10383602976799013},{"word":"through","start":1877.11,"end":1877.43,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09503699839115144},{"word":"to","start":1877.43,"end":1877.59,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11338750272989272},{"word":"me","start":1877.59,"end":1878.09,"confidence":0.9790039,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.134831041097641},{"word":"i","start":1878.71,"end":1878.87,"confidence":0.5058594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16089430451393127},{"word":"can","start":1878.87,"end":1879.11,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15468871593475342},{"word":"have","start":1879.11,"end":1879.35,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18765632808208463},{"word":"a","start":1879.35,"end":1879.43,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18922312557697296},{"word":"look","start":1879.43,"end":1879.75,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15697181224822998},{"word":"at","start":1879.75,"end":1879.99,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18224790692329407},{"word":"what","start":1879.99,"end":1880.23,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1805175244808197},{"word":"you've","start":1880.23,"end":1880.47,"confidence":0.9902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.15236632525920868},{"word":"got","start":1880.47,"end":1880.71,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14464367926120758},{"word":"packed","start":1880.71,"end":1881.03,"confidence":0.34179688,"punctuated_word":"packed","sentiment":"neutral","sentiment_score":0.125849187374115},{"word":"up","start":1881.03,"end":1881.27,"confidence":0.91259766,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13841301202774048},{"word":"space","start":1881.27,"end":1881.77,"confidence":0.7055664,"punctuated_word":"space.","sentiment":"neutral","sentiment_score":0.14693942666053772},{"word":"and","start":1882.15,"end":1882.63,"confidence":0.9716797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06962788105010986},{"word":"if","start":1882.63,"end":1882.9501,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06541314721107483},{"word":"you're","start":1882.9501,"end":1883.1901,"confidence":0.9941406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05793267488479614},{"word":"comfortable","start":1883.1901,"end":1883.59,"confidence":0.9980469,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.03922818601131439},{"word":"do","start":1883.75,"end":1883.91,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.029248934239149097},{"word":"you","start":1883.91,"end":1883.99,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0401737205684185},{"word":"know","start":1883.99,"end":1884.15,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.030876725912094116},{"word":"how","start":1884.15,"end":1884.39,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.007279917597770691},{"word":"much","start":1884.39,"end":1884.63,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.02461293339729309},{"word":"you","start":1884.63,"end":1884.9501,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03401732072234154},{"word":"would","start":1884.9501,"end":1885.1901,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05419134721159935},{"word":"like","start":1885.1901,"end":1885.43,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.048623669892549515},{"word":"to","start":1885.43,"end":1885.51,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03913983702659607},{"word":"know","start":1885.51,"end":1885.67,"confidence":0.9873047,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0032972730696201324},{"word":"you","start":1885.67,"end":1885.8301,"confidence":0.97265625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016086004674434662},{"word":"put","start":1885.8301,"end":1885.99,"confidence":0.84765625,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.03233090043067932},{"word":"in","start":1885.99,"end":1886.23,"confidence":0.56640625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.003902420401573181},{"word":"the","start":1886.23,"end":1886.31,"confidence":0.54541016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025076519697904587},{"word":"super","start":1886.31,"end":1886.71,"confidence":0.6536865,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":0.07305705547332764},{"word":"do","start":1886.71,"end":1886.87,"confidence":0.9941406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0119548998773098},{"word":"you","start":1886.87,"end":1887.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02732376754283905},{"word":"have","start":1887.03,"end":1887.1901,"confidence":0.9748535,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.01443316414952278},{"word":"like","start":1887.1901,"end":1887.35,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.006320947781205177},{"word":"a","start":1887.35,"end":1887.43,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006733935326337814},{"word":"lump","start":1887.43,"end":1887.67,"confidence":0.99609375,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.04878805950284004},{"word":"sum","start":1887.67,"end":1887.91,"confidence":0.99902344,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.042611654847860336},{"word":"amount","start":1887.91,"end":1888.23,"confidence":0.9194336,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.04475047066807747},{"word":"you'd","start":1888.23,"end":1888.47,"confidence":0.9926758,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.0612231120467186},{"word":"be","start":1888.47,"end":1888.63,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.047673799097537994},{"word":"comfortable","start":1888.63,"end":1889.11,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.019633807241916656},{"word":"with","start":1889.11,"end":1889.43,"confidence":0.96875,"punctuated_word":"with?","sentiment":"neutral","sentiment_score":0.02746993489563465},{"word":"or","start":1889.43,"end":1889.93,"confidence":0.75390625,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.004480987787246704},{"word":"that's","start":1898.225,"end":1898.5449,"confidence":0.9926758,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06406262516975403},{"word":"exactly","start":1898.5449,"end":1898.945,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.06353066116571426},{"word":"it","start":1898.945,"end":1899.105,"confidence":0.99316406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04196571558713913},{"word":"so","start":1899.105,"end":1899.345,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.055729940533638},{"word":"take","start":1899.345,"end":1899.505,"confidence":0.9941406,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.03458237648010254},{"word":"money","start":1899.505,"end":1899.745,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03193799406290054},{"word":"out","start":1899.745,"end":1899.905,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04056230187416077},{"word":"of","start":1899.905,"end":1900.065,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0458473339676857},{"word":"your","start":1900.065,"end":1900.225,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06046894192695618},{"word":"bank","start":1900.225,"end":1900.465,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.017352059483528137},{"word":"account","start":1900.465,"end":1900.705,"confidence":0.8222656,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.03449716418981552},{"word":"and","start":1900.705,"end":1900.865,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04078947752714157},{"word":"we","start":1900.865,"end":1901.025,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07492759078741074},{"word":"transfer","start":1901.025,"end":1901.505,"confidence":0.9970703,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.0023514479398727417},{"word":"it","start":1901.505,"end":1901.585,"confidence":0.44482422,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015263937413692474},{"word":"into","start":1901.585,"end":1901.905,"confidence":0.7817383,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04121851176023483},{"word":"super","start":1901.905,"end":1902.3049,"confidence":0.8845215,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.11596622318029404},{"word":"and","start":1902.3049,"end":1902.465,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08044680953025818},{"word":"then","start":1902.465,"end":1902.625,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10170450806617735},{"word":"we","start":1902.625,"end":1902.785,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06718151271343231},{"word":"claim","start":1902.785,"end":1903.105,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.056576721370220184},{"word":"a","start":1903.105,"end":1903.265,"confidence":0.65234375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06064534932374954},{"word":"notice","start":1903.265,"end":1903.585,"confidence":0.98291016,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.04614471644163132},{"word":"of","start":1903.585,"end":1903.6649,"confidence":0.9614258,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009411707520484924},{"word":"intent","start":1903.6649,"end":1904.065,"confidence":0.99609375,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.025139540433883667},{"word":"against","start":1904.065,"end":1904.385,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":-0.04802624136209488},{"word":"that","start":1904.385,"end":1904.5449,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0402701199054718},{"word":"once","start":1904.5449,"end":1904.785,"confidence":0.96777344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.03194397687911987},{"word":"it's","start":1904.785,"end":1905.025,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.002453786786645651},{"word":"in","start":1905.025,"end":1905.265,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.022299982607364655},{"word":"super","start":1905.265,"end":1905.765,"confidence":0.8823242,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.04382624849677086},{"word":"yeah","start":1910.19,"end":1910.67,"confidence":0.9526367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2251131534576416},{"word":"so","start":1910.67,"end":1910.91,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17520582675933838},{"word":"the","start":1910.91,"end":1911.07,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19938571751117704},{"word":"way","start":1911.07,"end":1911.3099,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.19005483388900757},{"word":"it","start":1911.3099,"end":1911.47,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20826351642608645},{"word":"works","start":1911.47,"end":1911.95,"confidence":0.9873047,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.25002047419548035},{"word":"you're","start":1912.19,"end":1912.43,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.26600557565689087},{"word":"right","start":1912.43,"end":1912.67,"confidence":0.99560547,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.24355486035346985},{"word":"to","start":1912.67,"end":1912.83,"confidence":0.99902344,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.08045876771211624},{"word":"give","start":1912.83,"end":1912.99,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.05585150420665741},{"word":"you","start":1912.99,"end":1913.15,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08730422705411911},{"word":"a","start":1913.15,"end":1913.23,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08730730414390564},{"word":"bit","start":1913.23,"end":1913.31,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08733317255973816},{"word":"of","start":1913.31,"end":1913.39,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06891417503356934},{"word":"clarity","start":1913.39,"end":1913.87,"confidence":1.0,"punctuated_word":"clarity","sentiment":"neutral","sentiment_score":0.07173620164394379},{"word":"there","start":1913.87,"end":1914.37,"confidence":0.9802246,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.10890736430883408},{"word":"it's","start":1914.43,"end":1914.67,"confidence":0.9003906,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10619907826185226},{"word":"called","start":1914.67,"end":1914.99,"confidence":0.99316406,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.08820229768753052},{"word":"a","start":1914.99,"end":1915.07,"confidence":0.86035156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13458877801895142},{"word":"deductible","start":1915.07,"end":1915.57,"confidence":0.99609375,"punctuated_word":"deductible","sentiment":"neutral","sentiment_score":0.1586739420890808},{"word":"contribution","start":1915.79,"end":1916.29,"confidence":0.94262695,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.12168267369270323},{"word":"so","start":1916.43,"end":1916.67,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10222120583057404},{"word":"we","start":1916.67,"end":1916.83,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0862835943698883},{"word":"take","start":1916.83,"end":1917.15,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08816752582788467},{"word":"money","start":1917.15,"end":1917.39,"confidence":0.98291016,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.0874653309583664},{"word":"that","start":1917.39,"end":1917.55,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11179094016551971},{"word":"you've","start":1917.55,"end":1917.79,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.10333962738513948},{"word":"already","start":1917.79,"end":1918.03,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.11178011447191238},{"word":"paid","start":1918.03,"end":1918.27,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.04022940993309021},{"word":"tax","start":1918.27,"end":1918.59,"confidence":0.9790039,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1163967102766037},{"word":"on","start":1918.59,"end":1918.75,"confidence":0.96069336,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.090818390250206},{"word":"like","start":1918.75,"end":1918.99,"confidence":0.9614258,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07261617481708527},{"word":"out","start":1918.99,"end":1919.15,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03577476739883423},{"word":"of","start":1919.15,"end":1919.23,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04523034393787384},{"word":"your","start":1919.23,"end":1919.47,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0665229856967926},{"word":"bank","start":1919.47,"end":1919.71,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.06758780777454376},{"word":"account","start":1919.71,"end":1920.19,"confidence":0.99609375,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.03282071650028229},{"word":"or","start":1920.19,"end":1920.43,"confidence":0.94921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.059772685170173645},{"word":"savings","start":1920.43,"end":1920.93,"confidence":0.9873047,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.003873966634273529},{"word":"or","start":1920.99,"end":1921.15,"confidence":0.9453125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0818425863981247},{"word":"something","start":1921.15,"end":1921.455,"confidence":0.96972656,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.058404676616191864},{"word":"like","start":1921.455,"end":1921.695,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06268098950386047},{"word":"that","start":1921.695,"end":1922.195,"confidence":0.79589844,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.09113803505897522},{"word":"you","start":1922.4149,"end":1922.575,"confidence":0.8276367,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09378519654273988},{"word":"transfer","start":1922.575,"end":1922.975,"confidence":0.98828125,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.09946158528327942},{"word":"that","start":1922.975,"end":1923.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06967587769031525},{"word":"straight","start":1923.215,"end":1923.5349,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.08338336646556854},{"word":"into","start":1923.5349,"end":1923.855,"confidence":0.8510742,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05404298007488251},{"word":"super","start":1923.855,"end":1924.255,"confidence":0.7734375,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.18526259064674375},{"word":"because","start":1924.255,"end":1924.495,"confidence":0.9472656,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.11641553044319151},{"word":"looking","start":1924.495,"end":1924.735,"confidence":0.9194336,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.20509429275989532},{"word":"at","start":1924.735,"end":1924.815,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18871447443962097},{"word":"your","start":1924.815,"end":1925.135,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21088755130767825},{"word":"contributions","start":1925.135,"end":1925.635,"confidence":0.91748047,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.17747405171394348},{"word":"this","start":1925.695,"end":1925.9349,"confidence":0.44604492,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.27632319927215576},{"word":"financial","start":1925.9349,"end":1926.4149,"confidence":0.9941406,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.1767382025718689},{"word":"year","start":1926.4149,"end":1926.6549,"confidence":0.9926758,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2278093844652176},{"word":"you're","start":1926.6549,"end":1926.815,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.22660057246685028},{"word":"right","start":1926.815,"end":1927.0549,"confidence":0.99902344,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.2507651746273041},{"word":"on","start":1927.0549,"end":1927.215,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15975624322891235},{"word":"that","start":1927.215,"end":1927.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18817764520645144},{"word":"twenty","start":1927.9349,"end":1928.335,"confidence":0.9453125,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.17151294648647308},{"word":"nine","start":1928.335,"end":1928.575,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.07872136682271957},{"word":"thousand","start":1928.575,"end":1929.075,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.13964781165122986},{"word":"nine","start":1929.135,"end":1929.455,"confidence":0.99121094,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.07226837426424026},{"word":"six","start":1929.455,"end":1929.695,"confidence":0.9614258,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.058828722685575485},{"word":"three","start":1929.695,"end":1929.9349,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.1111428290605545},{"word":"already","start":1929.9349,"end":1930.335,"confidence":0.88964844,"punctuated_word":"already.","sentiment":"neutral","sentiment_score":0.19587254524230957},{"word":"so","start":1930.335,"end":1930.575,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12329989671707152},{"word":"you're","start":1930.575,"end":1930.735,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14804205298423767},{"word":"basically","start":1930.735,"end":1931.235,"confidence":0.9892578,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.09530790150165558},{"word":"capping","start":1931.2949,"end":1931.615,"confidence":0.91967773,"punctuated_word":"capping","sentiment":"neutral","sentiment_score":0.13948562741279602},{"word":"out","start":1931.615,"end":1931.855,"confidence":0.94140625,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2108435779809952},{"word":"with","start":1931.855,"end":1932.015,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1743822693824768},{"word":"your","start":1932.015,"end":1932.515,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18681353330612183},{"word":"contributions","start":1932.575,"end":1933.075,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.019694171845912933},{"word":"currently","start":1933.2949,"end":1933.7949,"confidence":0.9921875,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":-0.004684919491410255},{"word":"mhmm","start":1938.29,"end":1938.79,"confidence":0.98876953,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0019020852632820608},{"word":"yeah","start":1941.09,"end":1941.59,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04656068980693817},{"word":"are","start":1942.13,"end":1942.37,"confidence":0.99316406,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.03549208864569664},{"word":"you","start":1942.37,"end":1942.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06098034977912903},{"word":"i'm","start":1942.6901,"end":1942.85,"confidence":0.98046875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04512181133031845},{"word":"just","start":1942.85,"end":1943.01,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04847159236669541},{"word":"looking","start":1943.01,"end":1943.3301,"confidence":0.9472656,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.04714351147413254},{"word":"at","start":1943.3301,"end":1943.41,"confidence":0.95703125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04861755296587944},{"word":"your","start":1943.41,"end":1943.65,"confidence":0.9589844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05318687856197357},{"word":"contributions","start":1943.65,"end":1944.15,"confidence":0.9199219,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.06143718957901001},{"word":"going","start":1944.29,"end":1944.61,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.07479754090309143},{"word":"in","start":1944.61,"end":1945.01,"confidence":0.99902344,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.05004950985312462},{"word":"let's","start":1945.01,"end":1945.25,"confidence":0.9719238,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.060503922402858734},{"word":"have","start":1945.25,"end":1945.41,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06607434153556824},{"word":"a","start":1945.41,"end":1945.49,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05758940428495407},{"word":"look","start":1945.49,"end":1945.99,"confidence":1.0,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.05854305252432823},{"word":"yeah","start":1949.89,"end":1950.37,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06457524746656418},{"word":"okay","start":1950.37,"end":1950.87,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07946652919054031},{"word":"yep","start":1953.625,"end":1954.125,"confidence":0.9367676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2529555857181549},{"word":"perfect","start":1954.745,"end":1955.245,"confidence":0.9399414,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5591505765914917},{"word":"where","start":1956.745,"end":1956.985,"confidence":0.7607422,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":0.13634301722049713},{"word":"are","start":1956.985,"end":1957.065,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19804279506206512},{"word":"we","start":1957.065,"end":1957.545,"confidence":0.9926758,"punctuated_word":"we?","sentiment":"neutral","sentiment_score":0.2746635377407074},{"word":"so","start":1957.545,"end":1958.045,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16787444055080414},{"word":"i'm","start":1961.145,"end":1961.385,"confidence":0.3597107,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1639719158411026},{"word":"actually","start":1961.385,"end":1961.865,"confidence":0.3762207,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.17325910925865173},{"word":"here","start":1961.865,"end":1962.365,"confidence":0.95458984,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.14378422498703003},{"word":"i'm","start":1963.785,"end":1964.105,"confidence":0.99658203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15378382802009585},{"word":"just","start":1964.105,"end":1964.265,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17849160730838776},{"word":"having","start":1964.265,"end":1964.505,"confidence":0.99609375,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.16282851994037628},{"word":"a","start":1964.505,"end":1964.665,"confidence":0.9038086,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15082263946533203},{"word":"quick","start":1964.665,"end":1964.825,"confidence":0.9951172,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.1904863715171814},{"word":"look","start":1964.825,"end":1964.985,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1505572646856308},{"word":"at","start":1964.985,"end":1965.065,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20568051934242249},{"word":"your","start":1965.065,"end":1965.305,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17479507625102997},{"word":"contributions","start":1965.305,"end":1965.805,"confidence":0.76660156,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.15174078941345215},{"word":"they","start":1965.865,"end":1966.105,"confidence":0.70654297,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.10573837906122208},{"word":"tend","start":1966.105,"end":1966.425,"confidence":0.9970703,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.1324322521686554},{"word":"to","start":1966.425,"end":1966.505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11777329444885254},{"word":"go","start":1966.505,"end":1966.745,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12190229445695876},{"word":"in","start":1966.745,"end":1967.145,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.092378169298172},{"word":"around","start":1967.145,"end":1967.465,"confidence":0.9902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1078704223036766},{"word":"the","start":1967.465,"end":1967.965,"confidence":0.9038086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09565657377243042},{"word":"fifteenth","start":1968.32,"end":1968.72,"confidence":0.9628906,"punctuated_word":"fifteenth","sentiment":"neutral","sentiment_score":0.098176047205925},{"word":"of","start":1968.72,"end":1969.12,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09326767176389694},{"word":"every","start":1969.12,"end":1969.44,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.07427805662155151},{"word":"month","start":1969.44,"end":1969.76,"confidence":0.9675293,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.08719218522310257},{"word":"so","start":1969.76,"end":1970.0,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08909758925437927},{"word":"around","start":1970.0,"end":1970.24,"confidence":0.9902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.10287207365036012},{"word":"about","start":1970.24,"end":1970.5599,"confidence":0.97802734,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1101885661482811},{"word":"the","start":1970.5599,"end":1970.72,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1225789189338684},{"word":"fifteenth","start":1970.72,"end":1971.12,"confidence":0.99902344,"punctuated_word":"fifteenth","sentiment":"neutral","sentiment_score":0.12375771999359132},{"word":"of","start":1971.12,"end":1971.36,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14275914430618286},{"word":"next","start":1971.36,"end":1971.6,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.11796275526285172},{"word":"month","start":1971.6,"end":1971.84,"confidence":0.99194336,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.12212187051773073},{"word":"you'll","start":1971.84,"end":1972.08,"confidence":0.80078125,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1503162980079651},{"word":"have","start":1972.08,"end":1972.58,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18695153295993805},{"word":"probably","start":1972.64,"end":1973.04,"confidence":0.9838867,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.135932594537735},{"word":"another","start":1973.04,"end":1973.52,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.12208333611488342},{"word":"$1,800","start":1973.52,"end":1974.64,"confidence":0.99902344,"punctuated_word":"$1,800","sentiment":"neutral","sentiment_score":0.13958318531513214},{"word":"there","start":1974.64,"end":1974.96,"confidence":0.99121094,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09122557938098907},{"word":"so","start":1974.96,"end":1975.46,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11824122071266174},{"word":"because","start":1976.0,"end":1976.32,"confidence":0.73095703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18918147683143616},{"word":"your","start":1976.32,"end":1976.48,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31372612714767456},{"word":"balance","start":1976.48,"end":1976.98,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1878032088279724},{"word":"was","start":1977.04,"end":1977.28,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2399309128522873},{"word":"under","start":1977.28,"end":1977.6799,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.2893432378768921},{"word":"500,000","start":1977.6799,"end":1978.82,"confidence":0.9996745,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.27469903230667114},{"word":"as","start":1979.04,"end":1979.28,"confidence":0.97998047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3031732738018036},{"word":"at","start":1979.28,"end":1979.52,"confidence":0.97314453,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20300909876823425},{"word":"the","start":1979.52,"end":1979.76,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2223965674638748},{"word":"july","start":1979.76,"end":1980.3375,"confidence":0.9968262,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.2237924188375473},{"word":"1","start":1980.3375,"end":1980.915,"confidence":0.9968262,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.19890783727169037},{"word":"year","start":1980.915,"end":1981.155,"confidence":0.82128906,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.29955047369003296},{"word":"you","start":1981.155,"end":1981.3151,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4511745870113373},{"word":"should","start":1981.3151,"end":1981.555,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4218840301036834},{"word":"still","start":1981.555,"end":1981.795,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.36433783173561096},{"word":"have","start":1981.795,"end":1982.035,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3708385229110718},{"word":"access","start":1982.035,"end":1982.355,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.32524433732032776},{"word":"to","start":1982.355,"end":1982.515,"confidence":0.98535156,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40405234694480896},{"word":"those","start":1982.515,"end":1982.675,"confidence":0.9350586,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2645050883293152},{"word":"types","start":1982.675,"end":1982.915,"confidence":0.29296875,"punctuated_word":"types","sentiment":"neutral","sentiment_score":0.18131975829601288},{"word":"of","start":1982.915,"end":1983.0751,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33609646558761597},{"word":"contributions","start":1983.0751,"end":1983.5751,"confidence":0.9692383,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.24328647553920743},{"word":"but","start":1983.7151,"end":1983.9551,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.012569449841976166},{"word":"if","start":1983.9551,"end":1984.035,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.13373154401779175},{"word":"we","start":1984.035,"end":1984.1951,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14081497490406036},{"word":"don't","start":1984.1951,"end":1984.435,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19193556904792783},{"word":"use","start":1984.435,"end":1984.5951,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.19450491666793823},{"word":"them","start":1984.5951,"end":1984.915,"confidence":0.9941406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.195981964468956},{"word":"this","start":1984.915,"end":1985.0751,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.27040597796440125},{"word":"year","start":1985.0751,"end":1985.5751,"confidence":0.9995117,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.25124865770339966},{"word":"you","start":1985.7151,"end":1985.875,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34596118330955505},{"word":"may","start":1985.875,"end":1986.035,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.25194570422172546},{"word":"not","start":1986.035,"end":1986.275,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2736002504825592},{"word":"get","start":1986.275,"end":1986.775,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.19669055938720703},{"word":"access","start":1986.995,"end":1987.395,"confidence":0.82958984,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.3068266808986664},{"word":"to","start":1987.395,"end":1987.635,"confidence":0.79052734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2010139524936676},{"word":"them","start":1987.635,"end":1988.035,"confidence":0.99609375,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.08441142737865448},{"word":"next","start":1988.035,"end":1988.275,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.21731744706630707},{"word":"financial","start":1988.275,"end":1988.755,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.27483069896698},{"word":"year","start":1988.755,"end":1989.0751,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.2217075526714325},{"word":"depending","start":1989.0751,"end":1989.4751,"confidence":0.9013672,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.12376869469881058},{"word":"on","start":1989.4751,"end":1989.635,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13403715193271637},{"word":"how","start":1989.635,"end":1989.795,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.13241279125213623},{"word":"your","start":1989.795,"end":1990.035,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.16634824872016907},{"word":"balance","start":1990.035,"end":1990.435,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.2223004400730133},{"word":"goes","start":1990.435,"end":1990.935,"confidence":0.99853516,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":-0.15798509120941162},{"word":"i","start":1991.155,"end":1991.3151,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.001802787184715271},{"word":"reckon","start":1991.3151,"end":1991.555,"confidence":0.9980469,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.024637486785650253},{"word":"you","start":1991.555,"end":1991.795,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05632665753364563},{"word":"might","start":1991.795,"end":1991.9551,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0028083622455596924},{"word":"get","start":1991.9551,"end":1992.115,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06405721604824066},{"word":"one","start":1992.115,"end":1992.275,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03911571204662323},{"word":"more","start":1992.275,"end":1992.435,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.004008278250694275},{"word":"year","start":1992.435,"end":1992.675,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.048865050077438354},{"word":"out","start":1992.675,"end":1992.8351,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0771791860461235},{"word":"of","start":1992.8351,"end":1992.915,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02452065795660019},{"word":"them","start":1992.915,"end":1993.0751,"confidence":0.9926758,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.0477619469165802},{"word":"but","start":1993.0751,"end":1993.235,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.023000121116638184},{"word":"it","start":1993.235,"end":1993.395,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01727745682001114},{"word":"just","start":1993.395,"end":1993.555,"confidence":0.9770508,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.007257275283336639},{"word":"depends","start":1993.555,"end":1993.875,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.019966572523117065},{"word":"upon","start":1993.875,"end":1994.115,"confidence":0.9770508,"punctuated_word":"upon","sentiment":"neutral","sentiment_score":0.018268823623657227},{"word":"what","start":1994.115,"end":1994.275,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.008960969746112823},{"word":"the","start":1994.275,"end":1994.435,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0240074023604393},{"word":"market","start":1994.435,"end":1994.755,"confidence":0.99609375,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.048393599689006805},{"word":"does","start":1994.755,"end":1994.995,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.02506047487258911},{"word":"as","start":1994.995,"end":1995.155,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03583414852619171},{"word":"well","start":1995.155,"end":1995.655,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.02579857036471367},{"word":"but","start":1995.7999,"end":1996.0399,"confidence":0.8522949,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.04016174003481865},{"word":"essentially","start":1996.0399,"end":1996.5399,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.04787863418459892},{"word":"with","start":1996.6,"end":1996.76,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11027286946773528},{"word":"a","start":1996.76,"end":1996.9199,"confidence":0.8432617,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12191168963909148},{"word":"deductible","start":1996.9199,"end":1997.4199,"confidence":0.9941406,"punctuated_word":"deductible","sentiment":"neutral","sentiment_score":0.12572738528251648},{"word":"contribution","start":1997.5599,"end":1998.0599,"confidence":0.9970703,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.07969874143600464},{"word":"we","start":1998.12,"end":1998.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06958112120628357},{"word":"take","start":1998.36,"end":1998.52,"confidence":0.99121094,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.04902694374322891},{"word":"some","start":1998.52,"end":1998.76,"confidence":0.8364258,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.02907220274209976},{"word":"money","start":1998.76,"end":1999.0,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.033168211579322815},{"word":"out","start":1999.0,"end":1999.24,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.038289740681648254},{"word":"of","start":1999.24,"end":1999.4,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04284095764160156},{"word":"your","start":1999.4,"end":1999.72,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07872575521469116},{"word":"bank","start":1999.72,"end":1999.96,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.02569994330406189},{"word":"account","start":1999.96,"end":2000.46,"confidence":0.95947266,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.01626427471637726},{"word":"you've","start":2000.6,"end":2000.84,"confidence":0.99853516,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.07870577275753021},{"word":"already","start":2000.84,"end":2001.08,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.1174626499414444},{"word":"paid","start":2001.08,"end":2001.32,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.02729087322950363},{"word":"tax","start":2001.32,"end":2001.64,"confidence":0.9770508,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1040499061346054},{"word":"on","start":2001.64,"end":2001.7999,"confidence":0.6376953,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04120354354381561},{"word":"that","start":2001.7999,"end":2001.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06969352066516876},{"word":"money","start":2001.96,"end":2002.36,"confidence":0.86035156,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":0.01673516258597374},{"word":"put","start":2002.36,"end":2002.6,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.035983458161354065},{"word":"that","start":2002.6,"end":2002.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08236679434776306},{"word":"into","start":2002.76,"end":2003.1599,"confidence":0.6352539,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0004892870783805847},{"word":"super","start":2003.1599,"end":2003.5599,"confidence":0.7651367,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.09241373836994173},{"word":"and","start":2003.5599,"end":2003.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07292409241199493},{"word":"then","start":2003.72,"end":2003.96,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0907401517033577},{"word":"we","start":2003.96,"end":2004.12,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05445974320173263},{"word":"claim","start":2004.12,"end":2004.36,"confidence":0.99316406,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.05650889873504639},{"word":"a","start":2004.36,"end":2004.52,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04874840006232262},{"word":"notice","start":2004.52,"end":2004.9199,"confidence":0.9980469,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.04264554381370544},{"word":"of","start":2004.9199,"end":2005.08,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05407279729843139},{"word":"intent","start":2005.08,"end":2005.58,"confidence":0.98706055,"punctuated_word":"intent.","sentiment":"neutral","sentiment_score":0.04691310226917267},{"word":"that","start":2006.0399,"end":2006.36,"confidence":0.94140625,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07273175567388535},{"word":"then","start":2006.36,"end":2006.86,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1202230155467987},{"word":"means","start":2007.1599,"end":2007.48,"confidence":0.90527344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.06405384838581085},{"word":"that","start":2007.48,"end":2007.72,"confidence":0.9633789,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09399215877056122},{"word":"the","start":2007.72,"end":2007.7999,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09925232082605362},{"word":"super","start":2007.7999,"end":2008.12,"confidence":0.9741211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1270307898521423},{"word":"fund","start":2008.12,"end":2008.36,"confidence":0.8051758,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.038608282804489136},{"word":"about","start":2008.36,"end":2008.6799,"confidence":0.27563477,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08538354933261871},{"word":"15%","start":2008.6799,"end":2009.505,"confidence":0.9941406,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.10286616533994676},{"word":"tax","start":2009.505,"end":2009.745,"confidence":0.9272461,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.13741864264011383},{"word":"it","start":2009.745,"end":2009.985,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.17011061310768127},{"word":"changes","start":2009.985,"end":2010.465,"confidence":0.9892578,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.13633714616298676},{"word":"the","start":2010.465,"end":2010.705,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12486079335212708},{"word":"contribution","start":2010.705,"end":2011.205,"confidence":0.7661133,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.1102200597524643},{"word":"and","start":2011.505,"end":2011.745,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16511264443397522},{"word":"then","start":2011.745,"end":2012.0651,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1343080699443817},{"word":"the","start":2012.0651,"end":2012.225,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20168352127075195},{"word":"amount","start":2012.225,"end":2012.465,"confidence":0.9970703,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.1990290880203247},{"word":"you","start":2012.465,"end":2012.625,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20725512504577637},{"word":"put","start":2012.625,"end":2012.865,"confidence":0.515625,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18458011746406555},{"word":"into","start":2012.865,"end":2013.185,"confidence":0.56103516,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.14606353640556335},{"word":"super","start":2013.185,"end":2013.585,"confidence":0.9013672,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.23010170459747312},{"word":"you","start":2013.585,"end":2013.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2748259902000427},{"word":"can","start":2013.745,"end":2013.905,"confidence":0.98535156,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24283987283706665},{"word":"claim","start":2013.905,"end":2014.405,"confidence":0.9902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.2138127833604813},{"word":"on","start":2014.625,"end":2014.785,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.29503414034843445},{"word":"your","start":2014.785,"end":2015.025,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32268136739730835},{"word":"tax","start":2015.025,"end":2015.345,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.28255772590637207},{"word":"return","start":2015.345,"end":2015.745,"confidence":0.9970703,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.34078294038772583},{"word":"as","start":2015.745,"end":2015.865,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2709396183490753},{"word":"a","start":2015.865,"end":2015.985,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32990527153015137},{"word":"bit","start":2015.985,"end":2016.225,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.25913694500923157},{"word":"of","start":2016.225,"end":2016.385,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27603253722190857},{"word":"a","start":2016.385,"end":2016.465,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29558759927749634},{"word":"tax","start":2016.465,"end":2016.785,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2204301655292511},{"word":"deduction","start":2016.785,"end":2017.285,"confidence":0.95043945,"punctuated_word":"deduction.","sentiment":"neutral","sentiment_score":0.18570885062217712},{"word":"so","start":2017.585,"end":2018.085,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2903892695903778},{"word":"it","start":2018.225,"end":2018.465,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6018531322479248},{"word":"kind","start":2018.465,"end":2018.705,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.5378750562667847},{"word":"of","start":2018.705,"end":2018.785,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.637542724609375},{"word":"works","start":2018.785,"end":2019.105,"confidence":0.9394531,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.5916185975074768},{"word":"really","start":2019.105,"end":2019.345,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6627019643783569},{"word":"well","start":2019.345,"end":2019.585,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.6397077441215515},{"word":"to","start":2019.585,"end":2019.665,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6027801632881165},{"word":"help","start":2019.665,"end":2019.905,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5691657066345215},{"word":"reduce","start":2019.905,"end":2020.225,"confidence":0.9902344,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.4247683882713318},{"word":"your","start":2020.225,"end":2020.465,"confidence":0.94189453,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5717383027076721},{"word":"taxable","start":2020.465,"end":2020.865,"confidence":0.9980469,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.30660563707351685},{"word":"income","start":2020.865,"end":2021.265,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.04504460096359253},{"word":"a","start":2021.265,"end":2021.345,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5597368478775024},{"word":"bit","start":2021.345,"end":2021.585,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4169440269470215},{"word":"there","start":2021.585,"end":2021.825,"confidence":0.99316406,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.5190325379371643},{"word":"as","start":2021.825,"end":2022.0651,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4858819544315338},{"word":"well","start":2022.0651,"end":2022.5651,"confidence":1.0,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3769418001174927},{"word":"yeah","start":2022.945,"end":2023.445,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.32666653394699097},{"word":"yeah","start":2024.78,"end":2025.28,"confidence":0.93530273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27622026205062866},{"word":"yeah","start":2025.9,"end":2026.4,"confidence":0.9655762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1283572018146515},{"word":"yes","start":2029.98,"end":2030.38,"confidence":0.7993164,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16777388751506803},{"word":"perfect","start":2030.38,"end":2030.88,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4171590209007263},{"word":"i'll","start":2030.94,"end":2031.26,"confidence":0.9941406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1693907231092453},{"word":"shoot","start":2031.26,"end":2031.4199,"confidence":0.98535156,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.13311246037483215},{"word":"you","start":2031.4199,"end":2031.58,"confidence":0.9707031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1281198114156723},{"word":"to","start":2031.58,"end":2031.6599,"confidence":0.59277344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14942902326583862},{"word":"an","start":2031.6599,"end":2031.9,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15110346674919128},{"word":"email","start":2031.9,"end":2032.4,"confidence":0.9995117,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.1293264627456665},{"word":"yes","start":2034.7,"end":2035.02,"confidence":0.8574219,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.22012923657894137},{"word":"perfect","start":2035.02,"end":2035.5,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4753556549549103},{"word":"yeah","start":2035.5,"end":2035.74,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19362905621528623},{"word":"we'll","start":2035.74,"end":2035.9,"confidence":0.99365234,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.16587740182876587},{"word":"need","start":2035.9,"end":2036.14,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.17853757739067078},{"word":"to","start":2036.14,"end":2036.22,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12586836516857147},{"word":"get","start":2036.22,"end":2036.46,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12347525358200072},{"word":"it","start":2036.46,"end":2036.62,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14794166386127472},{"word":"done","start":2036.62,"end":2037.12,"confidence":0.9980469,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.08740467578172684},{"word":"generally","start":2037.1799,"end":2037.6799,"confidence":0.6230469,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.1431969255208969},{"word":"before","start":2037.74,"end":2038.14,"confidence":0.99609375,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.13819169998168945},{"word":"the","start":2038.14,"end":2038.2999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09337006509304048},{"word":"last","start":2038.2999,"end":2038.62,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06771084666252136},{"word":"week","start":2038.62,"end":2038.78,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.07855366170406342},{"word":"of","start":2038.78,"end":2039.085,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1250062733888626},{"word":"june","start":2039.085,"end":2039.485,"confidence":0.8466797,"punctuated_word":"June.","sentiment":"neutral","sentiment_score":0.16096873581409454},{"word":"so","start":2039.485,"end":2039.565,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11975431442260742},{"word":"i","start":2039.565,"end":2039.725,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17940527200698853},{"word":"would","start":2039.725,"end":2039.885,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.21158897876739505},{"word":"be","start":2039.885,"end":2040.0449,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21254117786884308},{"word":"wanting","start":2040.0449,"end":2040.365,"confidence":0.9760742,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.2615228295326233},{"word":"to","start":2040.365,"end":2040.445,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2155320793390274},{"word":"get","start":2040.445,"end":2040.605,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18523474037647247},{"word":"these","start":2040.605,"end":2040.845,"confidence":0.9116211,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.17129693925380707},{"word":"sort","start":2040.845,"end":2041.005,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2061663717031479},{"word":"of","start":2041.005,"end":2041.1649,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1918691098690033},{"word":"done","start":2041.1649,"end":2041.6649,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.14318948984146118},{"word":"no","start":2042.125,"end":2042.2849,"confidence":0.75683594,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1793963760137558},{"word":"later","start":2042.2849,"end":2042.605,"confidence":0.9951172,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.16388586163520813},{"word":"than","start":2042.605,"end":2042.9249,"confidence":0.8967285,"punctuated_word":"than,","sentiment":"neutral","sentiment_score":0.15468978881835938},{"word":"say","start":2042.9249,"end":2043.085,"confidence":0.9980469,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.11070992052555084},{"word":"the","start":2043.085,"end":2043.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13658371567726135},{"word":"june","start":2043.325,"end":2043.7649,"confidence":0.99902344,"punctuated_word":"June","sentiment":"neutral","sentiment_score":0.09855126589536668},{"word":"20","start":2043.7649,"end":2044.2048,"confidence":0.99902344,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.1750503033399582},{"word":"to","start":2044.205,"end":2044.2849,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15753427147865295},{"word":"make","start":2044.2849,"end":2044.5249,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13444776833057404},{"word":"sure","start":2044.5249,"end":2044.6849,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.13910295069217682},{"word":"they","start":2044.6849,"end":2044.845,"confidence":0.8198242,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08044306933879852},{"word":"all","start":2044.845,"end":2045.005,"confidence":0.5107422,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.051245346665382385},{"word":"go","start":2045.005,"end":2045.1649,"confidence":0.9667969,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1099626198410988},{"word":"in","start":2045.1649,"end":2045.4049,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09028391540050508},{"word":"because","start":2045.4049,"end":2045.565,"confidence":0.5986328,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04617840424180031},{"word":"then","start":2045.565,"end":2045.8049,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08050636947154999},{"word":"the","start":2045.8049,"end":2045.965,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04236418008804321},{"word":"super","start":2045.965,"end":2046.2849,"confidence":0.56152344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14707739651203156},{"word":"fund","start":2046.2849,"end":2046.5249,"confidence":0.890625,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.13960836827754974},{"word":"has","start":2046.5249,"end":2046.765,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.027319081127643585},{"word":"to","start":2046.765,"end":2047.265,"confidence":0.82958984,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05920274555683136},{"word":"process","start":2047.725,"end":2048.225,"confidence":0.98535156,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.07545382529497147},{"word":"the","start":2048.285,"end":2048.445,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03562735766172409},{"word":"contributions","start":2048.445,"end":2048.945,"confidence":0.7922363,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.06696837395429611},{"word":"and","start":2049.165,"end":2049.325,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06859346479177475},{"word":"we","start":2049.325,"end":2049.4849,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07449379563331604},{"word":"claim","start":2049.4849,"end":2049.805,"confidence":0.97265625,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.11686944216489792},{"word":"the","start":2049.805,"end":2049.9648,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10068414360284804},{"word":"notice","start":2049.9648,"end":2050.285,"confidence":0.99902344,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.10181136429309844},{"word":"of","start":2050.285,"end":2050.445,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09518001228570938},{"word":"intent","start":2050.445,"end":2050.765,"confidence":0.9748535,"punctuated_word":"intent.","sentiment":"neutral","sentiment_score":0.010372009128332138},{"word":"we","start":2050.765,"end":2050.925,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.12396283447742462},{"word":"can","start":2050.925,"end":2051.085,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0872049480676651},{"word":"do","start":2051.085,"end":2051.165,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12680478394031525},{"word":"it","start":2051.165,"end":2051.325,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1611768901348114},{"word":"straight","start":2051.325,"end":2051.645,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.11967074871063232},{"word":"after","start":2051.645,"end":2051.9648,"confidence":0.9838867,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.07168401032686234},{"word":"but","start":2051.9648,"end":2052.125,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.058684755116701126},{"word":"the","start":2052.125,"end":2052.285,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060278329998254776},{"word":"notice","start":2052.285,"end":2052.605,"confidence":0.9970703,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.02939150109887123},{"word":"intent","start":2052.605,"end":2052.925,"confidence":0.7158203,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.01906195282936096},{"word":"doesn't","start":2052.925,"end":2053.2449,"confidence":0.99853516,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.030553847551345825},{"word":"have","start":2053.2449,"end":2053.4849,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04624331742525101},{"word":"to","start":2053.4849,"end":2053.565,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.032721154391765594},{"word":"be","start":2053.565,"end":2053.7249,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.030776869505643845},{"word":"claimed","start":2053.7249,"end":2053.9648,"confidence":0.97314453,"punctuated_word":"claimed","sentiment":"neutral","sentiment_score":0.02420346811413765},{"word":"till","start":2053.9648,"end":2054.205,"confidence":0.921875,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.029922205954790115},{"word":"after","start":2054.205,"end":2054.445,"confidence":0.9970703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.04805383458733559},{"word":"the","start":2054.445,"end":2054.605,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05478501319885254},{"word":"july","start":2054.605,"end":2054.9126,"confidence":0.9895833,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.03443077951669693},{"word":"1","start":2054.9126,"end":2055.2202,"confidence":0.9895833,"punctuated_word":"1.","sentiment":"neutral","sentiment_score":0.05309443920850754},{"word":"it's","start":2055.22,"end":2055.46,"confidence":0.9404297,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0875914990901947},{"word":"just","start":2055.46,"end":2055.54,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08546137064695358},{"word":"getting","start":2055.54,"end":2055.86,"confidence":0.99316406,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.155582457780838},{"word":"the","start":2055.86,"end":2056.1,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21074435114860535},{"word":"contribution","start":2056.1,"end":2056.6,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.17453505098819733},{"word":"in","start":2056.6602,"end":2056.9001,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14986398816108704},{"word":"on","start":2056.9001,"end":2057.06,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1974450051784515},{"word":"time","start":2057.06,"end":2057.56,"confidence":0.9914551,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.18999966979026792},{"word":"so","start":2058.1,"end":2058.6,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1171017289161682},{"word":"yeah","start":2059.22,"end":2059.62,"confidence":0.98657227,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.13479700684547424},{"word":"so","start":2059.62,"end":2059.78,"confidence":0.9741211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11319908499717712},{"word":"if","start":2059.78,"end":2059.94,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11110692471265791},{"word":"you","start":2059.94,"end":2060.02,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08598438650369644},{"word":"like","start":2060.02,"end":2060.26,"confidence":0.89624023,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0912838727235794},{"word":"i'll","start":2060.26,"end":2060.4202,"confidence":0.99316406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09947538375854492},{"word":"send","start":2060.4202,"end":2060.58,"confidence":0.9951172,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.0805196464061737},{"word":"the","start":2060.58,"end":2060.74,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08648838102817535},{"word":"email","start":2060.74,"end":2061.1401,"confidence":0.97509766,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10167593508958817},{"word":"straight","start":2061.1401,"end":2061.3801,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.08833561837673187},{"word":"after","start":2061.3801,"end":2061.54,"confidence":0.9941406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.07549426704645157},{"word":"this","start":2061.54,"end":2061.86,"confidence":0.8432617,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.10318733751773834},{"word":"give","start":2061.86,"end":2062.1,"confidence":0.5385742,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.08700191974639893},{"word":"you","start":2062.1,"end":2062.1802,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10648249834775925},{"word":"the","start":2062.1802,"end":2062.34,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11073166131973268},{"word":"direction","start":2062.34,"end":2062.74,"confidence":0.9892578,"punctuated_word":"direction","sentiment":"neutral","sentiment_score":0.11773543059825896},{"word":"on","start":2062.74,"end":2062.82,"confidence":0.5229492,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12311819940805437},{"word":"how","start":2062.82,"end":2062.98,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12251713871955872},{"word":"to","start":2062.98,"end":2063.06,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08790171891450882},{"word":"get","start":2063.06,"end":2063.22,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07310479134321213},{"word":"that","start":2063.22,"end":2063.46,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09847065806388856},{"word":"information","start":2063.46,"end":2063.94,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.11600638180971146},{"word":"from","start":2063.94,"end":2064.1,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07971390336751938},{"word":"your","start":2064.1,"end":2064.34,"confidence":0.9453125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11719809472560884},{"word":"mygov","start":2064.34,"end":2064.74,"confidence":0.91186523,"punctuated_word":"MyGov","sentiment":"neutral","sentiment_score":0.08114233613014221},{"word":"account","start":2064.74,"end":2065.06,"confidence":0.9951172,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.10661458969116212},{"word":"if","start":2065.06,"end":2065.22,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.13885533809661865},{"word":"you","start":2065.22,"end":2065.3801,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11201634258031844},{"word":"can","start":2065.3801,"end":2065.54,"confidence":0.9819336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11529358476400375},{"word":"shoot","start":2065.54,"end":2065.78,"confidence":0.9970703,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.10173939913511276},{"word":"that","start":2065.78,"end":2066.02,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11373896151781082},{"word":"back","start":2066.02,"end":2066.1802,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1185903623700142},{"word":"to","start":2066.1802,"end":2066.34,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11773080378770828},{"word":"me","start":2066.34,"end":2066.74,"confidence":0.9758301,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1285928338766098},{"word":"i","start":2066.74,"end":2066.9001,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1417509913444519},{"word":"can","start":2066.9001,"end":2067.06,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11593998223543169},{"word":"do","start":2067.06,"end":2067.3,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17114970088005066},{"word":"some","start":2067.3,"end":2067.54,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11317601799964903},{"word":"numbers","start":2067.54,"end":2067.78,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.15649214386940002},{"word":"and","start":2067.78,"end":2067.94,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13654276728630066},{"word":"some","start":2067.94,"end":2068.1802,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1300220489501953},{"word":"playing","start":2068.1802,"end":2068.5,"confidence":0.96240234,"punctuated_word":"playing","sentiment":"neutral","sentiment_score":0.14278531074523926},{"word":"there","start":2068.5,"end":2068.74,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16989372670650482},{"word":"for","start":2068.74,"end":2068.9001,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17209452390670776},{"word":"you","start":2068.9001,"end":2069.265,"confidence":0.93237305,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13573485612869263},{"word":"and","start":2069.6648,"end":2069.7449,"confidence":0.9291992,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12441587448120116},{"word":"then","start":2069.7449,"end":2069.9849,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1392270028591156},{"word":"you","start":2069.9849,"end":2070.2249,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12561485171318054},{"word":"can","start":2070.2249,"end":2070.385,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1034947857260704},{"word":"let","start":2070.385,"end":2070.545,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.12723062932491302},{"word":"me","start":2070.545,"end":2070.7048,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1187981218099594},{"word":"know","start":2070.7048,"end":2071.2048,"confidence":0.99194336,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.15598329901695251},{"word":"we","start":2071.265,"end":2071.505,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.14516839385032654},{"word":"can","start":2071.505,"end":2071.6648,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.139990895986557},{"word":"do","start":2071.6648,"end":2071.825,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19550402462482452},{"word":"it","start":2071.825,"end":2071.9849,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21755769848823547},{"word":"without","start":2071.9849,"end":2072.385,"confidence":0.98095703,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.11319492012262344},{"word":"advice","start":2072.385,"end":2072.865,"confidence":0.97265625,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.09423787146806716},{"word":"to","start":2072.865,"end":2072.9448,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12642133235931396},{"word":"make","start":2072.9448,"end":2073.105,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1324775367975235},{"word":"it","start":2073.105,"end":2073.265,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15632252395153046},{"word":"quicker","start":2073.265,"end":2073.505,"confidence":0.83203125,"punctuated_word":"quicker","sentiment":"neutral","sentiment_score":0.1316462904214859},{"word":"where","start":2073.505,"end":2073.7449,"confidence":0.6801758,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.11629397422075272},{"word":"you","start":2073.7449,"end":2073.9849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15174366533756256},{"word":"just","start":2073.9849,"end":2074.305,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14605340361595154},{"word":"transfer","start":2074.305,"end":2074.625,"confidence":0.9970703,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.10908405482769012},{"word":"the","start":2074.625,"end":2074.785,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14665421843528748},{"word":"money","start":2074.785,"end":2075.025,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.12836983799934387},{"word":"in","start":2075.025,"end":2075.265,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12650366127490997},{"word":"and","start":2075.265,"end":2075.345,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1000002548098564},{"word":"tell","start":2075.345,"end":2075.585,"confidence":0.9980469,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.10435689240694046},{"word":"me","start":2075.585,"end":2075.7449,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12895087897777557},{"word":"once","start":2075.7449,"end":2075.9849,"confidence":0.9970703,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.0916399583220482},{"word":"you've","start":2075.9849,"end":2076.2249,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11154373735189438},{"word":"done","start":2076.2249,"end":2076.385,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.13229450583457947},{"word":"it","start":2076.385,"end":2076.885,"confidence":0.79248047,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.17560020089149475},{"word":"and","start":2077.4248,"end":2077.6648,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1514798253774643},{"word":"i'll","start":2077.6648,"end":2077.825,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13256408274173737},{"word":"just","start":2077.825,"end":2077.9849,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.126603364944458},{"word":"give","start":2077.9849,"end":2078.1448,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12789419293403623},{"word":"you","start":2078.1448,"end":2078.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14332441985607147},{"word":"some","start":2078.305,"end":2078.4648,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10862061381340028},{"word":"general","start":2078.4648,"end":2078.785,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.11328232288360596},{"word":"information","start":2078.785,"end":2079.265,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.11578528583049774},{"word":"around","start":2079.265,"end":2079.585,"confidence":0.99902344,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.12813879549503326},{"word":"you","start":2079.585,"end":2079.7449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10480862110853197},{"word":"know","start":2079.7449,"end":2079.9048,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1120794713497162},{"word":"what","start":2079.9048,"end":2080.1448,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09834001958370207},{"word":"that","start":2080.1448,"end":2080.305,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10585521906614304},{"word":"might","start":2080.305,"end":2080.545,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05867014825344086},{"word":"look","start":2080.545,"end":2080.785,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.060729533433914185},{"word":"like","start":2080.785,"end":2081.105,"confidence":0.8898926,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.12037426978349686},{"word":"the","start":2081.105,"end":2081.265,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10961022973060608},{"word":"tax","start":2081.265,"end":2081.585,"confidence":0.9941406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.17064633965492249},{"word":"deduction","start":2081.585,"end":2082.065,"confidence":0.96972656,"punctuated_word":"deduction","sentiment":"neutral","sentiment_score":0.13994774222373962},{"word":"i","start":2082.2249,"end":2082.385,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09223053604364397},{"word":"mean","start":2082.385,"end":2082.545,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.0986124575138092},{"word":"you","start":2082.545,"end":2082.7048,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11575742810964584},{"word":"might","start":2082.7048,"end":2082.9448,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.06147313490509987},{"word":"have","start":2082.9448,"end":2083.105,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07734492421150208},{"word":"other","start":2083.105,"end":2083.345,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.062438130378723145},{"word":"deductions","start":2083.345,"end":2083.845,"confidence":1.0,"punctuated_word":"deductions","sentiment":"neutral","sentiment_score":0.11362947523593904},{"word":"that","start":2083.9048,"end":2084.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13068309426307678},{"word":"might","start":2084.36,"end":2084.68,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.10795444250106812},{"word":"help","start":2084.68,"end":2084.76,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.1810181438922882},{"word":"reduce","start":2084.76,"end":2085.26,"confidence":0.9863281,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.07101275026798248},{"word":"some","start":2085.4001,"end":2085.56,"confidence":0.55615234,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09999116510152815},{"word":"you","start":2085.6401,"end":2085.8,"confidence":0.88183594,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09051956236362456},{"word":"know","start":2085.8,"end":2085.96,"confidence":0.984375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11349125951528548},{"word":"that","start":2085.96,"end":2086.04,"confidence":0.7944336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1000896468758583},{"word":"you","start":2086.04,"end":2086.2,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1338757872581482},{"word":"might","start":2086.2,"end":2086.36,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08178345113992691},{"word":"also","start":2086.36,"end":2086.68,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0804954469203949},{"word":"be","start":2086.68,"end":2086.84,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10856635868549348},{"word":"able","start":2086.84,"end":2087.0,"confidence":0.9482422,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.10938771069049837},{"word":"to","start":2087.0,"end":2087.24,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11297205835580826},{"word":"provide","start":2087.24,"end":2087.56,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.09511412680149078},{"word":"there","start":2087.56,"end":2087.8,"confidence":0.83984375,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.08994494378566742},{"word":"but","start":2087.8,"end":2087.96,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08655735850334167},{"word":"i","start":2087.96,"end":2088.12,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12857404351234436},{"word":"can","start":2088.12,"end":2088.2,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0982183888554573},{"word":"give","start":2088.2,"end":2088.36,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.15339414775371552},{"word":"you","start":2088.36,"end":2088.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1493314653635025},{"word":"some","start":2088.52,"end":2088.68,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12868502736091614},{"word":"general","start":2088.68,"end":2089.0,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.11967712640762328},{"word":"information","start":2089.0,"end":2089.4001,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1504031866788864},{"word":"on","start":2089.4001,"end":2089.48,"confidence":0.9838867,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11487502604722977},{"word":"what","start":2089.48,"end":2089.72,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11321716755628586},{"word":"that","start":2089.72,"end":2089.8801,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1432117521762848},{"word":"looks","start":2089.8801,"end":2090.12,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.06887476146221161},{"word":"like","start":2090.12,"end":2090.44,"confidence":0.9995117,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.1355227380990982},{"word":"we","start":2090.44,"end":2090.6,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1872962862253189},{"word":"can","start":2090.6,"end":2090.76,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2073711603879929},{"word":"get","start":2090.76,"end":2090.92,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.20547300577163696},{"word":"that","start":2090.92,"end":2091.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25242599844932556},{"word":"money","start":2091.08,"end":2091.48,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2149558663368225},{"word":"in","start":2091.48,"end":2091.98,"confidence":0.9482422,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.23333793878555295},{"word":"and","start":2092.28,"end":2092.44,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1735495626926422},{"word":"then","start":2092.44,"end":2092.6,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19957754015922544},{"word":"you've","start":2092.6,"end":2092.84,"confidence":0.96362305,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1998385488986969},{"word":"got","start":2092.84,"end":2093.08,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1927185356616974},{"word":"something","start":2093.08,"end":2093.48,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2227448970079422},{"word":"done","start":2093.48,"end":2093.6401,"confidence":0.9970703,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.16907428205013275},{"word":"before","start":2093.6401,"end":2093.96,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.1984030157327652},{"word":"the","start":2093.96,"end":2094.04,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17868740856647491},{"word":"end","start":2094.04,"end":2094.2,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.20162780582904816},{"word":"of","start":2094.2,"end":2094.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23975342512130737},{"word":"the","start":2094.28,"end":2094.36,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21870474517345428},{"word":"financial","start":2094.36,"end":2094.84,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.16406425833702087},{"word":"year","start":2094.84,"end":2095.0,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1795712113380432},{"word":"to","start":2095.0,"end":2095.08,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20068630576133728},{"word":"help","start":2095.08,"end":2095.32,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.25477150082588196},{"word":"you","start":2095.32,"end":2095.4001,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2517954111099243},{"word":"out","start":2095.4001,"end":2095.6401,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.27816224098205566},{"word":"a","start":2095.6401,"end":2095.72,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1718220412731171},{"word":"little","start":2095.72,"end":2095.96,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.16025510430336},{"word":"bit","start":2095.96,"end":2096.46,"confidence":0.9995117,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.1486060619354248},{"word":"yeah","start":2098.105,"end":2098.5051,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.582841694355011},{"word":"perfect","start":2098.5051,"end":2099.0051,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7994883060455322},{"word":"excellent","start":2099.865,"end":2100.365,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7953158617019653},{"word":"excellent","start":2100.665,"end":2101.165,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7592813968658447},{"word":"perfect","start":2102.0251,"end":2102.425,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6657785177230835},{"word":"do","start":2102.425,"end":2102.665,"confidence":0.984375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.2222498059272766},{"word":"you","start":2102.665,"end":2102.745,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24239175021648407},{"word":"have","start":2102.745,"end":2102.905,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21579056978225708},{"word":"any","start":2102.905,"end":2103.145,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.19715052843093872},{"word":"other","start":2103.145,"end":2103.385,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.180256649851799},{"word":"questions","start":2103.385,"end":2103.625,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.17119547724723816},{"word":"or","start":2103.625,"end":2103.865,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10995586216449738},{"word":"anything","start":2103.865,"end":2104.105,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.14432063698768616},{"word":"else","start":2104.105,"end":2104.345,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.15194448828697205},{"word":"you","start":2104.345,"end":2104.5051,"confidence":0.63964844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1086585819721222},{"word":"wanted","start":2104.5051,"end":2104.745,"confidence":0.96240234,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.14355415105819702},{"word":"me","start":2104.745,"end":2104.905,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1630084067583084},{"word":"to","start":2104.905,"end":2104.985,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0999695360660553},{"word":"touch","start":2104.985,"end":2105.3052,"confidence":0.99902344,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.15032482147216797},{"word":"base","start":2105.3052,"end":2105.625,"confidence":0.9921875,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.13514065742492676},{"word":"on","start":2105.625,"end":2105.945,"confidence":0.9343262,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.12369544059038162},{"word":"or","start":2105.945,"end":2106.2651,"confidence":0.98828125,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.002168763428926468},{"word":"no","start":2110.105,"end":2110.605,"confidence":0.97753906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05236139148473739},{"word":"yep","start":2114.4602,"end":2114.9602,"confidence":0.8046875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10916322469711304},{"word":"beautiful","start":2115.1802,"end":2115.6802,"confidence":0.99560547,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.34551018476486206},{"word":"yeah","start":2125.7651,"end":2126.165,"confidence":0.83862305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0005629817023873329},{"word":"not","start":2126.165,"end":2126.485,"confidence":0.96972656,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.03479254990816116},{"word":"every","start":2126.485,"end":2126.885,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.008886408060789108},{"word":"year","start":2126.885,"end":2127.385,"confidence":0.99658203,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.014239531941711904},{"word":"as","start":2127.445,"end":2127.7651,"confidence":0.8173828,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.00008264556527137756},{"word":"of","start":2127.7651,"end":2128.0051,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03520999476313591},{"word":"next","start":2128.0051,"end":2128.3252,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04322117567062378},{"word":"year","start":2128.3252,"end":2128.5652,"confidence":0.9916992,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.03677627071738243},{"word":"the","start":2128.5652,"end":2128.725,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03707190975546837},{"word":"contributions","start":2128.725,"end":2129.225,"confidence":0.9790039,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.012545987963676453},{"word":"cap","start":2129.365,"end":2129.605,"confidence":0.7416992,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":0.05698249861598015},{"word":"will","start":2129.605,"end":2129.7651,"confidence":0.81640625,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06195709481835365},{"word":"be","start":2129.7651,"end":2130.0051,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05188184231519699},{"word":"increasing","start":2130.0051,"end":2130.485,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.09950755536556244},{"word":"by","start":2130.485,"end":2130.725,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.051908817142248154},{"word":"2,500","start":2130.725,"end":2132.0051,"confidence":0.9268799,"punctuated_word":"2,500,","sentiment":"neutral","sentiment_score":0.0391014888882637},{"word":"so","start":2132.0051,"end":2132.245,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03917592391371727},{"word":"it","start":2132.245,"end":2132.3252,"confidence":0.93847656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06423316895961761},{"word":"goes","start":2132.3252,"end":2132.5652,"confidence":0.8676758,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.08277426660060883},{"word":"from","start":2132.5652,"end":2132.885,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.047460414469242096},{"word":"30,000","start":2132.885,"end":2133.5251,"confidence":0.99853516,"punctuated_word":"30,000","sentiment":"neutral","sentiment_score":0.043031759560108185},{"word":"to","start":2133.5251,"end":2133.685,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03643880784511566},{"word":"32,500","start":2133.685,"end":2135.225,"confidence":0.9987305,"punctuated_word":"32,500.","sentiment":"neutral","sentiment_score":0.03687229007482529},{"word":"it","start":2135.72,"end":2135.88,"confidence":0.98535156,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.029375188052654263},{"word":"tends","start":2135.88,"end":2136.2,"confidence":0.99902344,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.045361049473285675},{"word":"to","start":2136.2,"end":2136.3599,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05518827587366104},{"word":"do","start":2136.3599,"end":2136.52,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05954264849424362},{"word":"that","start":2136.52,"end":2136.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06992664188146591},{"word":"sort","start":2136.76,"end":2137.0,"confidence":0.9741211,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05014314129948616},{"word":"of","start":2137.0,"end":2137.16,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03600239008665085},{"word":"every","start":2137.16,"end":2137.4,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.034884750843048096},{"word":"two","start":2137.4,"end":2137.64,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.015603449195623398},{"word":"to","start":2137.64,"end":2137.7998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006875582039356232},{"word":"three","start":2137.7998,"end":2138.0398,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.02230736613273621},{"word":"years","start":2138.0398,"end":2138.44,"confidence":0.9980469,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.025325648486614227},{"word":"depending","start":2138.44,"end":2138.8398,"confidence":0.95947266,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.05148579925298691},{"word":"on","start":2138.8398,"end":2139.3398,"confidence":0.8173828,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04107503965497017},{"word":"sort","start":2139.64,"end":2139.7998,"confidence":0.3725586,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.040622442960739136},{"word":"of","start":2139.7998,"end":2139.96,"confidence":0.91259766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04146719351410866},{"word":"how","start":2139.96,"end":2140.2,"confidence":0.9902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04205070436000824},{"word":"everything","start":2140.2,"end":2140.5999,"confidence":0.9951172,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.07126955687999725},{"word":"goes","start":2140.5999,"end":2141.0798,"confidence":0.94433594,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":0.07085057348012924},{"word":"so","start":2141.0798,"end":2141.5798,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06549515575170517},{"word":"it","start":2142.0398,"end":2142.2798,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07745636254549026},{"word":"should","start":2142.2798,"end":2142.44,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1041421890258789},{"word":"be","start":2142.44,"end":2142.68,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08036738634109497},{"word":"every","start":2142.68,"end":2142.92,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.06971345096826553},{"word":"second","start":2142.92,"end":2143.4,"confidence":0.99902344,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.0979052409529686},{"word":"year","start":2143.4,"end":2143.5598,"confidence":0.9941406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.11264496296644212},{"word":"that","start":2143.5598,"end":2143.72,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0454532578587532},{"word":"they","start":2143.72,"end":2143.96,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03446174040436745},{"word":"increase","start":2143.96,"end":2144.46,"confidence":0.95947266,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.07115628570318222},{"word":"it","start":2144.52,"end":2144.5999,"confidence":0.7871094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0581948421895504},{"word":"in","start":2144.5999,"end":2144.8398,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.053488247096538544},{"word":"2,500","start":2144.8398,"end":2146.14,"confidence":0.9992676,"punctuated_word":"2,500","sentiment":"neutral","sentiment_score":0.045898985117673874},{"word":"increments","start":2146.2,"end":2146.7,"confidence":0.83740234,"punctuated_word":"increments","sentiment":"neutral","sentiment_score":0.039254967123270035},{"word":"unless","start":2147.4,"end":2147.9,"confidence":0.76416016,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.009752802550792694},{"word":"they","start":2147.955,"end":2148.115,"confidence":0.97802734,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.026393074542284012},{"word":"change","start":2148.115,"end":2148.355,"confidence":0.9707031,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.05647832155227661},{"word":"that","start":2148.355,"end":2148.595,"confidence":0.8911133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.024061232805252075},{"word":"legislation","start":2148.595,"end":2149.095,"confidence":1.0,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.02206447720527649},{"word":"at","start":2149.235,"end":2149.395,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03577587381005287},{"word":"all","start":2149.395,"end":2149.635,"confidence":0.9279785,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.003363845869898796},{"word":"but","start":2149.635,"end":2149.715,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06032099202275276},{"word":"they're","start":2149.715,"end":2149.955,"confidence":0.99365234,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.05831178277730942},{"word":"also","start":2149.955,"end":2150.355,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07476771622896194},{"word":"increasing","start":2150.355,"end":2150.835,"confidence":0.99316406,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.10585993528366087},{"word":"the","start":2150.835,"end":2150.995,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0765395388007164},{"word":"non","start":2150.995,"end":2151.3152,"confidence":0.99121094,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.04062103480100632},{"word":"concessional","start":2151.3152,"end":2151.7952,"confidence":0.8171387,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.000881001353263855},{"word":"cut","start":2151.7952,"end":2152.0352,"confidence":0.6945801,"punctuated_word":"cut,","sentiment":"neutral","sentiment_score":0.0772145688533783},{"word":"which","start":2152.0352,"end":2152.2751,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.14755216240882874},{"word":"is","start":2152.2751,"end":2152.435,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10797382891178132},{"word":"great","start":2152.435,"end":2152.675,"confidence":0.94140625,"punctuated_word":"great","sentiment":"neutral","sentiment_score":0.2066231667995453},{"word":"to","start":2152.675,"end":2152.835,"confidence":0.7480469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1524685174226761},{"word":"a","start":2152.835,"end":2152.915,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10923750698566435},{"word":"130,000","start":2152.915,"end":2154.2751,"confidence":0.9925537,"punctuated_word":"130,000.","sentiment":"neutral","sentiment_score":0.11709970235824584},{"word":"so","start":2154.2751,"end":2154.7751,"confidence":0.814209,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03944965824484825},{"word":"yeah","start":2155.7952,"end":2156.2952,"confidence":0.9387207,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03275337442755699},{"word":"we've","start":2156.5151,"end":2156.7551,"confidence":0.99853516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.026412833482027057},{"word":"got","start":2156.7551,"end":2156.995,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02909393608570099},{"word":"extra","start":2156.995,"end":2157.395,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.009985972195863724},{"word":"space","start":2157.395,"end":2157.635,"confidence":0.97509766,"punctuated_word":"space","sentiment":"neutral","sentiment_score":0.015914157032966614},{"word":"in","start":2157.635,"end":2157.875,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.025901809334754944},{"word":"other","start":2157.875,"end":2158.115,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0385725200176239},{"word":"ways","start":2158.115,"end":2158.355,"confidence":0.9970703,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.06668643653392792},{"word":"if","start":2158.355,"end":2158.595,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05537691712379456},{"word":"we","start":2158.595,"end":2158.675,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.032193373888731},{"word":"need","start":2158.675,"end":2158.915,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.016775280237197876},{"word":"to","start":2158.915,"end":2159.415,"confidence":0.9995117,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.026753686368465424},{"word":"okay","start":2159.5552,"end":2160.0552,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05315988510847092},{"word":"mhmm","start":2164.73,"end":2165.23,"confidence":0.90966797,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.041479744017124176},{"word":"we","start":2174.7651,"end":2175.2651,"confidence":0.96240234,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.02179502695798874},{"word":"we","start":2175.645,"end":2175.965,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02578752115368843},{"word":"can","start":2175.965,"end":2176.365,"confidence":0.9946289,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":-0.011335685849189758},{"word":"it","start":2176.365,"end":2176.605,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.00880609080195427},{"word":"just","start":2176.605,"end":2176.845,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.002515774220228195},{"word":"depends","start":2176.845,"end":2177.165,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.01636936515569687},{"word":"on","start":2177.165,"end":2177.325,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.020779289305210114},{"word":"with","start":2177.325,"end":2177.485,"confidence":0.6879883,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.005208354443311691},{"word":"your","start":2177.485,"end":2177.8052,"confidence":0.9482422,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.000025153160095214844},{"word":"increase","start":2177.8052,"end":2178.205,"confidence":0.9892578,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.008128320798277855},{"word":"in","start":2178.205,"end":2178.5251,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.018739119172096252},{"word":"income","start":2178.5251,"end":2179.0251,"confidence":0.9633789,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.009436415508389471},{"word":"just","start":2179.085,"end":2179.405,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.013270355761051178},{"word":"yeah","start":2180.125,"end":2180.365,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.030812889337539673},{"word":"have","start":2180.365,"end":2180.605,"confidence":0.88183594,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.02505316212773323},{"word":"you","start":2180.605,"end":2180.685,"confidence":0.9135742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039444368332624435},{"word":"look","start":2180.685,"end":2180.925,"confidence":0.74853516,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03369385749101639},{"word":"at","start":2180.925,"end":2181.0051,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06135803461074829},{"word":"how","start":2181.0051,"end":2181.245,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06058993190526962},{"word":"much","start":2181.245,"end":2181.405,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07606589049100876},{"word":"you've","start":2181.405,"end":2181.645,"confidence":0.99072266,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04521792754530907},{"word":"got","start":2181.645,"end":2181.885,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04311288148164749},{"word":"going","start":2181.885,"end":2182.125,"confidence":0.9951172,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.06316220760345459},{"word":"because","start":2182.125,"end":2182.625,"confidence":0.34692383,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.026476018130779263},{"word":"this","start":2182.845,"end":2183.165,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04288298636674881},{"word":"year","start":2183.165,"end":2183.665,"confidence":0.9470215,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.04943843558430672},{"word":"it","start":2184.2852,"end":2184.445,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05725593492388725},{"word":"looks","start":2184.445,"end":2184.685,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.04332834482192993},{"word":"like","start":2184.685,"end":2184.845,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02908242866396904},{"word":"you","start":2184.845,"end":2185.085,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008809644728899002},{"word":"might","start":2185.085,"end":2185.325,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.015061210840940475},{"word":"just","start":2185.325,"end":2185.725,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.019917942583560944},{"word":"exceed","start":2185.725,"end":2186.125,"confidence":0.9902344,"punctuated_word":"exceed","sentiment":"neutral","sentiment_score":-0.014823904260993004},{"word":"the","start":2186.125,"end":2186.2852,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04193850606679917},{"word":"cap","start":2186.2852,"end":2186.605,"confidence":0.9892578,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":-0.06108526512980461},{"word":"a","start":2186.605,"end":2186.685,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.055244214832782745},{"word":"little","start":2186.685,"end":2186.925,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04902777075767517},{"word":"bit","start":2186.925,"end":2187.085,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06536304950714111},{"word":"with","start":2187.085,"end":2187.245,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05325469747185707},{"word":"what","start":2187.245,"end":2187.405,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05449145287275314},{"word":"you've","start":2187.405,"end":2187.725,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.0437425822019577},{"word":"got","start":2187.725,"end":2188.225,"confidence":0.99853516,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":-0.00433896342292428},{"word":"yeah","start":2188.2852,"end":2188.7852,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0005859527736902237},{"word":"that's","start":2192.5999,"end":2192.92,"confidence":0.9550781,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03780296444892883},{"word":"probably","start":2192.92,"end":2193.3198,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03659549355506897},{"word":"where","start":2193.3198,"end":2193.5598,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.038058407604694366},{"word":"that","start":2193.5598,"end":2193.72,"confidence":0.95166016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.021515950560569763},{"word":"extra","start":2193.72,"end":2194.1199,"confidence":0.69921875,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.05121224746108055},{"word":"comes","start":2194.1199,"end":2194.44,"confidence":0.37841797,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.03613860532641411},{"word":"from","start":2194.44,"end":2194.92,"confidence":0.9995117,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":-0.03662016987800598},{"word":"yeah","start":2194.92,"end":2195.42,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01021341234445572},{"word":"yep","start":2196.1199,"end":2196.6199,"confidence":0.93603516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026105685159564015},{"word":"yeah","start":2204.865,"end":2205.185,"confidence":0.8696289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009619348682463167},{"word":"there","start":2205.185,"end":2205.425,"confidence":0.82177734,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.019920535385608673},{"word":"was","start":2205.425,"end":2205.905,"confidence":0.8569336,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":-0.006615886464715004},{"word":"yeah","start":2205.905,"end":2206.405,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.000953114591538906},{"word":"they","start":2208.145,"end":2208.465,"confidence":0.9741211,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.06260114908218384},{"word":"owed","start":2208.465,"end":2208.705,"confidence":0.8408203,"punctuated_word":"owed","sentiment":"neutral","sentiment_score":-0.0981220155954361},{"word":"you","start":2208.705,"end":2208.745,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1226368248462677},{"word":"a","start":2208.745,"end":2208.7852,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1042274609208107},{"word":"bit","start":2208.7852,"end":2209.0251,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10678574442863464},{"word":"of","start":2209.0251,"end":2209.105,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13379140198230743},{"word":"back","start":2209.105,"end":2209.345,"confidence":0.98828125,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.11291680485010148},{"word":"pay","start":2209.345,"end":2209.845,"confidence":0.9890137,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":-0.14975053071975708},{"word":"yeah","start":2212.5452,"end":2212.705,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04925695061683655},{"word":"there","start":2212.705,"end":2212.865,"confidence":0.7783203,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.03459572046995163},{"word":"was","start":2212.865,"end":2213.0251,"confidence":0.9560547,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0007337704300880432},{"word":"a","start":2213.0251,"end":2213.105,"confidence":0.9370117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02341223880648613},{"word":"nice","start":2213.105,"end":2213.345,"confidence":0.62158203,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.10989486426115036},{"word":"big","start":2213.345,"end":2213.585,"confidence":0.59277344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.1308373510837555},{"word":"$10,000","start":2213.585,"end":2214.385,"confidence":0.9946289,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.0884256586432457},{"word":"one","start":2214.385,"end":2214.625,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05418561398983002},{"word":"that","start":2214.625,"end":2214.7852,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05628366395831108},{"word":"went","start":2214.7852,"end":2214.945,"confidence":0.99902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.05286608636379242},{"word":"in","start":2214.945,"end":2215.185,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06590013951063156},{"word":"there","start":2215.185,"end":2215.685,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04730070009827614},{"word":"yeah","start":2217.42,"end":2217.92,"confidence":0.7956543,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1553091257810593},{"word":"perfect","start":2218.14,"end":2218.64,"confidence":0.9645996,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5192997455596924},{"word":"i","start":2219.02,"end":2219.18,"confidence":0.9160156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.32917124032974243},{"word":"mean","start":2219.18,"end":2219.42,"confidence":0.9941406,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.3675136864185333},{"word":"we","start":2219.42,"end":2219.5798,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2752634882926941},{"word":"can","start":2219.5798,"end":2219.66,"confidence":0.9941406,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.34189972281455994},{"word":"do","start":2219.66,"end":2219.9,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3111366033554077},{"word":"it","start":2219.9,"end":2220.06,"confidence":0.83447266,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3102527856826782},{"word":"this","start":2220.06,"end":2220.14,"confidence":0.36450195,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.40962615609169006},{"word":"way","start":2220.14,"end":2220.3,"confidence":0.7236328,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.30716660618782043},{"word":"each","start":2220.3,"end":2220.54,"confidence":0.8496094,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.2755173444747925},{"word":"year","start":2220.54,"end":2220.7,"confidence":0.99121094,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.30698150396347046},{"word":"if","start":2220.7,"end":2220.8599,"confidence":0.94384766,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.33769479393959045},{"word":"you","start":2220.8599,"end":2220.94,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30841726064682007},{"word":"want","start":2220.94,"end":2221.02,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2625899016857147},{"word":"because","start":2221.02,"end":2221.3398,"confidence":0.65515137,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.24672099947929385},{"word":"i","start":2221.3398,"end":2221.42,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2611585259437561},{"word":"mean","start":2221.42,"end":2221.66,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.3310049772262573},{"word":"family","start":2221.66,"end":2222.06,"confidence":0.28076172,"punctuated_word":"family","sentiment":"positive","sentiment_score":0.5201588273048401},{"word":"sacrifice","start":2222.06,"end":2222.56,"confidence":0.9375,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.3104788661003113},{"word":"is","start":2222.7,"end":2222.8599,"confidence":0.9951172,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.38249820470809937},{"word":"good","start":2222.8599,"end":2223.3599,"confidence":0.9724121,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.26833829283714294},{"word":"there","start":2223.66,"end":2223.8198,"confidence":0.80615234,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.09911265224218369},{"word":"are","start":2223.8198,"end":2224.06,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10610486567020416},{"word":"limitations","start":2224.06,"end":2224.56,"confidence":1.0,"punctuated_word":"limitations","sentiment":"neutral","sentiment_score":-0.13974326848983765},{"word":"to","start":2224.8599,"end":2225.02,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1942901462316513},{"word":"it","start":2225.02,"end":2225.5,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.15326327085494995},{"word":"when","start":2225.5,"end":2225.74,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.06825267523527145},{"word":"you","start":2225.74,"end":2225.9,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0262976735830307},{"word":"think","start":2225.9,"end":2226.14,"confidence":0.99316406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.049204424023628235},{"word":"of","start":2226.14,"end":2226.22,"confidence":0.9604492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04193064570426941},{"word":"it","start":2226.22,"end":2226.38,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.041224926710128784},{"word":"from","start":2226.38,"end":2226.6199,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0143633633852005},{"word":"a","start":2226.6199,"end":2226.7,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00996049866080284},{"word":"tax","start":2226.7,"end":2227.0999,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.020980514585971832},{"word":"point","start":2227.0999,"end":2227.3398,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.017077170312404633},{"word":"of","start":2227.3398,"end":2227.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.056644998490810394},{"word":"view","start":2227.5,"end":2228.0,"confidence":0.9946289,"punctuated_word":"view,","sentiment":"neutral","sentiment_score":0.026763595640659332},{"word":"making","start":2228.06,"end":2228.38,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.05575534701347351},{"word":"more","start":2228.38,"end":2228.54,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.07047934830188751},{"word":"of","start":2228.54,"end":2228.7,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09834674745798112},{"word":"a","start":2228.7,"end":2228.8599,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13439753651618958},{"word":"deductible","start":2228.8599,"end":2229.3599,"confidence":0.99902344,"punctuated_word":"deductible","sentiment":"neutral","sentiment_score":0.10112185031175612},{"word":"contribution","start":2229.74,"end":2230.24,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.048999302089214325},{"word":"works","start":2230.7,"end":2231.0999,"confidence":0.9873047,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.12889724969863892},{"word":"more","start":2231.0999,"end":2231.3398,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.094388447701931},{"word":"in","start":2231.3398,"end":2231.5798,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10849061608314514},{"word":"your","start":2231.5798,"end":2231.8198,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0957055687904358},{"word":"favor","start":2231.8198,"end":2232.3198,"confidence":0.8796387,"punctuated_word":"favor.","sentiment":"neutral","sentiment_score":0.08791510760784149},{"word":"even","start":2233.035,"end":2233.275,"confidence":0.9921875,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":-0.017781324684619904},{"word":"if","start":2233.275,"end":2233.515,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.016723021864891052},{"word":"we","start":2233.515,"end":2233.675,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.005759887397289276},{"word":"can't","start":2233.675,"end":2234.155,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.04898475855588913},{"word":"sort","start":2234.155,"end":2234.4749,"confidence":0.94384766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0697154626250267},{"word":"of","start":2234.4749,"end":2234.9749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07388400286436081},{"word":"even","start":2235.595,"end":2235.755,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.047731950879096985},{"word":"if","start":2235.755,"end":2235.915,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07911510020494461},{"word":"we","start":2235.915,"end":2236.075,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06423965096473694},{"word":"can't","start":2236.075,"end":2236.395,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.07945722341537476},{"word":"use","start":2236.395,"end":2236.635,"confidence":0.9980469,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.10418008267879486},{"word":"cacaa","start":2236.635,"end":2237.035,"confidence":0.4917806,"punctuated_word":"CACAA","sentiment":"neutral","sentiment_score":-0.10071592777967452},{"word":"contributions","start":2237.035,"end":2237.535,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.0912962406873703},{"word":"moving","start":2237.835,"end":2238.075,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.052833788096904755},{"word":"forward","start":2238.075,"end":2238.575,"confidence":0.9980469,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":-0.04514958336949349},{"word":"we","start":2238.875,"end":2239.035,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.010506674647331238},{"word":"can","start":2239.035,"end":2239.275,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.006712138652801514},{"word":"look","start":2239.275,"end":2239.4348,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.002800911664962769},{"word":"at","start":2239.4348,"end":2239.675,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0139097198843956},{"word":"what","start":2239.675,"end":2239.835,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.017559774219989777},{"word":"goes","start":2239.835,"end":2240.075,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.02410745620727539},{"word":"in","start":2240.075,"end":2240.315,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.014011457562446594},{"word":"from","start":2240.315,"end":2240.555,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.019243426620960236},{"word":"your","start":2240.555,"end":2240.795,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.014943450689315796},{"word":"employer","start":2240.795,"end":2241.275,"confidence":0.9951172,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":-0.002056531608104706},{"word":"each","start":2241.275,"end":2241.595,"confidence":0.96435547,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.0014363229274749756},{"word":"year","start":2241.595,"end":2241.835,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.00926993042230606},{"word":"and","start":2241.835,"end":2241.9949,"confidence":0.4658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016635075211524963},{"word":"then","start":2241.9949,"end":2242.2349,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.027092330157756805},{"word":"around","start":2242.2349,"end":2242.635,"confidence":0.99121094,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0023349523544311523},{"word":"june","start":2242.635,"end":2243.135,"confidence":0.86157227,"punctuated_word":"June,","sentiment":"neutral","sentiment_score":0.011822927743196487},{"word":"work","start":2243.355,"end":2243.595,"confidence":0.96777344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.0003358423709869385},{"word":"out","start":2243.595,"end":2243.915,"confidence":0.99316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02836587280035019},{"word":"what","start":2243.915,"end":2244.155,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.031842008233070374},{"word":"you","start":2244.155,"end":2244.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025430694222450256},{"word":"can","start":2244.395,"end":2244.895,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04365790635347366},{"word":"put","start":2244.9548,"end":2245.115,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.034387752413749695},{"word":"in","start":2245.115,"end":2245.515,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03915239870548248},{"word":"as","start":2245.515,"end":2245.755,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.025508351624011993},{"word":"a","start":2245.755,"end":2245.915,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024578534066677097},{"word":"lump","start":2245.915,"end":2246.315,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.02985713630914688},{"word":"sum","start":2246.315,"end":2246.7148,"confidence":0.9980469,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.05776068568229675},{"word":"to","start":2246.7148,"end":2246.875,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004612140357494354},{"word":"kind","start":2246.875,"end":2247.115,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.00470743328332901},{"word":"of","start":2247.115,"end":2247.51,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014321215450763702},{"word":"boost","start":2247.99,"end":2248.31,"confidence":0.97265625,"punctuated_word":"boost","sentiment":"neutral","sentiment_score":0.06353279203176498},{"word":"it","start":2248.31,"end":2248.47,"confidence":0.9550781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008881151676177979},{"word":"up","start":2248.47,"end":2248.71,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.012428700923919678},{"word":"to","start":2248.71,"end":2248.95,"confidence":0.51904297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003186143934726715},{"word":"the","start":2248.95,"end":2249.19,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019765928387641907},{"word":"cap","start":2249.19,"end":2249.69,"confidence":0.842041,"punctuated_word":"cap.","sentiment":"neutral","sentiment_score":0.034436099231243134},{"word":"and","start":2250.15,"end":2250.31,"confidence":0.74072266,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14096522331237793},{"word":"we","start":2250.31,"end":2250.39,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15597249567508698},{"word":"can","start":2250.39,"end":2250.55,"confidence":0.9941406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17800620198249817},{"word":"do","start":2250.55,"end":2250.71,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1880444437265396},{"word":"it","start":2250.71,"end":2250.87,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.203339084982872},{"word":"that","start":2250.87,"end":2251.03,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1980886310338974},{"word":"way","start":2251.03,"end":2251.35,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1564227193593979},{"word":"because","start":2251.35,"end":2251.75,"confidence":0.7751465,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.1881366670131683},{"word":"i","start":2251.75,"end":2251.83,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1725313812494278},{"word":"mean","start":2251.83,"end":2252.07,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.1781829297542572},{"word":"salary","start":2252.07,"end":2252.55,"confidence":0.9741211,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.13101333379745483},{"word":"sacrifice","start":2252.55,"end":2253.03,"confidence":0.97314453,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.12336279451847076},{"word":"comes","start":2253.03,"end":2253.35,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.16706958413124084},{"word":"out","start":2253.35,"end":2253.83,"confidence":0.9536133,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1716347634792328},{"word":"of","start":2253.83,"end":2253.99,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11180830001831056},{"word":"your","start":2253.99,"end":2254.31,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08036518841981888},{"word":"income","start":2254.31,"end":2254.81,"confidence":0.9421387,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.09301622956991196},{"word":"it","start":2255.19,"end":2255.35,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03899148851633072},{"word":"doesn't","start":2255.35,"end":2255.67,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.007877832278609276},{"word":"provide","start":2255.67,"end":2256.07,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.006921306252479553},{"word":"as","start":2256.07,"end":2256.31,"confidence":0.97998047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.013065606355667114},{"word":"big","start":2256.31,"end":2256.47,"confidence":0.9980469,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.033873654901981354},{"word":"of","start":2256.47,"end":2256.6301,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.013306260108947754},{"word":"a","start":2256.6301,"end":2256.71,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.029329434037208557},{"word":"deduction","start":2256.71,"end":2257.11,"confidence":0.7841797,"punctuated_word":"deduction,","sentiment":"neutral","sentiment_score":-0.030104853212833405},{"word":"whereas","start":2257.11,"end":2257.51,"confidence":0.9980469,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.018298186361789703},{"word":"if","start":2257.51,"end":2257.67,"confidence":0.95947266,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02174926921725273},{"word":"you","start":2257.67,"end":2257.75,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0572843998670578},{"word":"were","start":2257.75,"end":2257.91,"confidence":0.9428711,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.04845685511827469},{"word":"to","start":2257.91,"end":2258.07,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03098658472299576},{"word":"make","start":2258.07,"end":2258.23,"confidence":0.94677734,"punctuated_word":"make,","sentiment":"neutral","sentiment_score":0.028971057385206223},{"word":"like","start":2258.23,"end":2258.47,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.043132100254297256},{"word":"a","start":2258.47,"end":2258.55,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0490868054330349},{"word":"big","start":2258.55,"end":2258.79,"confidence":0.99902344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.0666123479604721},{"word":"$10,000","start":2258.79,"end":2259.67,"confidence":0.97387695,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.061909280717372894},{"word":"deductible","start":2259.67,"end":2260.17,"confidence":1.0,"punctuated_word":"deductible","sentiment":"neutral","sentiment_score":0.04294947534799576},{"word":"contribution","start":2260.31,"end":2260.81,"confidence":0.9970703,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.014934629201889038},{"word":"that","start":2261.375,"end":2261.615,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009562723338603972},{"word":"$10,000","start":2261.615,"end":2262.575,"confidence":0.9980469,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.06404656171798706},{"word":"you","start":2262.575,"end":2262.7349,"confidence":0.67333984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07552391290664673},{"word":"can","start":2262.7349,"end":2262.895,"confidence":0.6040039,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05966416001319885},{"word":"take","start":2262.895,"end":2263.135,"confidence":0.9951172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.05333989858627319},{"word":"and","start":2263.135,"end":2263.295,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04698183387517929},{"word":"claim","start":2263.295,"end":2263.535,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.07269816100597382},{"word":"back","start":2263.535,"end":2263.775,"confidence":0.99121094,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0016485899686813354},{"word":"on","start":2263.775,"end":2263.9348,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.014271482825279236},{"word":"your","start":2263.9348,"end":2264.095,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.002502724528312683},{"word":"tax","start":2264.095,"end":2264.415,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.02208065241575241},{"word":"return","start":2264.415,"end":2264.895,"confidence":0.9255371,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.01090068742632866},{"word":"so","start":2264.895,"end":2265.295,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03898938372731209},{"word":"from","start":2265.295,"end":2265.535,"confidence":0.9770508,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03852049261331558},{"word":"a","start":2265.535,"end":2265.775,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035521529614925385},{"word":"tax","start":2265.775,"end":2266.015,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1387994885444641},{"word":"point","start":2266.015,"end":2266.255,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.1108984649181366},{"word":"of","start":2266.255,"end":2266.335,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1259060949087143},{"word":"view","start":2266.335,"end":2266.655,"confidence":0.9980469,"punctuated_word":"view,","sentiment":"neutral","sentiment_score":0.14341431856155396},{"word":"the","start":2266.655,"end":2266.815,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1974681317806244},{"word":"deductible","start":2266.815,"end":2267.315,"confidence":0.9980469,"punctuated_word":"deductible","sentiment":"neutral","sentiment_score":0.2287886738777161},{"word":"contribution","start":2267.375,"end":2267.875,"confidence":0.99902344,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.21124228835105896},{"word":"works","start":2267.9348,"end":2268.1748,"confidence":0.9536133,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.2271866798400879},{"word":"out","start":2268.1748,"end":2268.415,"confidence":0.9550781,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2195773422718048},{"word":"more","start":2268.415,"end":2268.655,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16314861178398132},{"word":"in","start":2268.655,"end":2268.7349,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.204026997089386},{"word":"our","start":2268.7349,"end":2268.895,"confidence":0.9902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.17982298135757446},{"word":"favor","start":2268.895,"end":2269.395,"confidence":0.99853516,"punctuated_word":"favor.","sentiment":"neutral","sentiment_score":0.1794804036617279},{"word":"yeah","start":2271.535,"end":2272.035,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21180292963981628},{"word":"beautiful","start":2272.415,"end":2272.915,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5467219352722168},{"word":"easy","start":2273.81,"end":2273.97,"confidence":0.95703125,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.2937191426753998},{"word":"do","start":2273.97,"end":2274.13,"confidence":0.9951172,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.015472203493118286},{"word":"you","start":2274.13,"end":2274.21,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01071944646537304},{"word":"want","start":2274.21,"end":2274.3699,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.008598409593105316},{"word":"me","start":2274.3699,"end":2274.45,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.008918393403291702},{"word":"to","start":2274.45,"end":2274.61,"confidence":0.8227539,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.013574495911598206},{"word":"in","start":2274.61,"end":2274.77,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01610853150486946},{"word":"the","start":2274.77,"end":2275.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017000392079353333},{"word":"email","start":2275.01,"end":2275.51,"confidence":0.99902344,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.02525417692959309},{"word":"put","start":2275.65,"end":2275.81,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.03086293488740921},{"word":"a","start":2275.81,"end":2275.89,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0386052280664444},{"word":"little","start":2275.89,"end":2276.13,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07810099422931671},{"word":"bit","start":2276.13,"end":2276.29,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06103581190109253},{"word":"of","start":2276.29,"end":2276.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028066378086805344},{"word":"information","start":2276.45,"end":2276.85,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.02285020053386688},{"word":"on","start":2276.85,"end":2277.01,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.025522511452436447},{"word":"what","start":2277.01,"end":2277.17,"confidence":0.98095703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03875398263335228},{"word":"a","start":2277.17,"end":2277.33,"confidence":0.921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024385899305343628},{"word":"deductible","start":2277.33,"end":2277.81,"confidence":0.9970703,"punctuated_word":"deductible","sentiment":"neutral","sentiment_score":0.040816862136125565},{"word":"contribution","start":2277.81,"end":2278.31,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.03493839502334595},{"word":"is","start":2278.3699,"end":2278.53,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022957980632781982},{"word":"to","start":2278.53,"end":2278.61,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03935665637254715},{"word":"kinda","start":2278.61,"end":2278.93,"confidence":0.79248047,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04582482948899269},{"word":"give","start":2278.93,"end":2279.09,"confidence":0.9970703,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0349324569106102},{"word":"you","start":2279.09,"end":2279.17,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0409950315952301},{"word":"a","start":2279.17,"end":2279.25,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03111039660871029},{"word":"bit","start":2279.25,"end":2279.41,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.031992923468351364},{"word":"of","start":2279.41,"end":2279.49,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.045429449528455734},{"word":"a","start":2279.49,"end":2279.57,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03009079024195671},{"word":"breakdown","start":2279.57,"end":2279.97,"confidence":0.8864746,"punctuated_word":"breakdown?","sentiment":"neutral","sentiment_score":0.0016426171641796827},{"word":"i","start":2279.97,"end":2280.05,"confidence":0.7841797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08057472109794617},{"word":"know","start":2280.05,"end":2280.13,"confidence":0.8857422,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0452900230884552},{"word":"we've","start":2280.13,"end":2280.29,"confidence":0.98779297,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.042489297688007355},{"word":"talked","start":2280.29,"end":2280.53,"confidence":0.9970703,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.07247067987918854},{"word":"about","start":2280.53,"end":2280.77,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07317538559436798},{"word":"a","start":2280.77,"end":2280.85,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06078099459409714},{"word":"lot","start":2280.85,"end":2281.01,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.07205648720264435},{"word":"of","start":2281.01,"end":2281.09,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07620926201343536},{"word":"things","start":2281.09,"end":2281.41,"confidence":0.79052734,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.05599645525217056},{"word":"so","start":2281.41,"end":2281.65,"confidence":0.93408203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06600850075483322},{"word":"just","start":2281.65,"end":2281.81,"confidence":0.94189453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.051263295114040375},{"word":"to","start":2281.81,"end":2281.97,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05405496805906296},{"word":"kind","start":2281.97,"end":2282.21,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.041584063321352005},{"word":"of","start":2282.21,"end":2282.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0912495106458664},{"word":"add","start":2282.29,"end":2282.45,"confidence":0.9951172,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.08049557358026505},{"word":"a","start":2282.45,"end":2282.53,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12432581931352615},{"word":"bit","start":2282.53,"end":2282.69,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09099826216697691},{"word":"more","start":2282.69,"end":2282.85,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0861130878329277},{"word":"detail","start":2282.85,"end":2283.25,"confidence":0.9892578,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.1405268907546997},{"word":"there","start":2283.25,"end":2283.41,"confidence":0.93408203,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1475246399641037},{"word":"for","start":2283.41,"end":2283.65,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1257304698228836},{"word":"you","start":2283.65,"end":2284.13,"confidence":0.96875,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.09348779171705246},{"word":"yeah","start":2284.13,"end":2284.63,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.33029550313949585},{"word":"fantastic","start":2286.7751,"end":2287.2751,"confidence":0.9807129,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.8243647217750549},{"word":"not","start":2287.575,"end":2287.735,"confidence":0.9970703,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.6442908644676208},{"word":"an","start":2287.735,"end":2287.895,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.5023975968360901},{"word":"issue","start":2287.895,"end":2288.215,"confidence":1.0,"punctuated_word":"issue","sentiment":"positive","sentiment_score":0.37325185537338257},{"word":"at","start":2288.215,"end":2288.295,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6125502586364746},{"word":"all","start":2288.295,"end":2288.535,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.6955776214599609},{"word":"i'll","start":2288.535,"end":2288.7751,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.512397050857544},{"word":"get","start":2288.7751,"end":2288.855,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5640529990196228},{"word":"those","start":2288.855,"end":2289.095,"confidence":0.9892578,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5181143283843994},{"word":"out","start":2289.095,"end":2289.2551,"confidence":0.9550781,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5419173240661621},{"word":"to","start":2289.2551,"end":2289.415,"confidence":0.7783203,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.537556529045105},{"word":"you","start":2289.415,"end":2289.575,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5677217841148376},{"word":"shortly","start":2289.575,"end":2289.975,"confidence":1.0,"punctuated_word":"shortly.","sentiment":"positive","sentiment_score":0.5321388244628906},{"word":"if","start":2289.975,"end":2290.135,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.3023548424243927},{"word":"there's","start":2290.135,"end":2290.375,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2526537775993347},{"word":"any","start":2290.375,"end":2290.615,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1849673688411713},{"word":"additional","start":2290.615,"end":2291.0151,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.1706865429878235},{"word":"questions","start":2291.0151,"end":2291.335,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.12827935814857483},{"word":"or","start":2291.335,"end":2291.495,"confidence":0.97998047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1757037341594696},{"word":"anything","start":2291.495,"end":2291.735,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.23644497990608215},{"word":"else","start":2291.735,"end":2291.975,"confidence":0.99121094,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.2457105815410614},{"word":"for","start":2291.975,"end":2292.055,"confidence":0.7841797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20194604992866516},{"word":"me","start":2292.055,"end":2292.295,"confidence":0.9946289,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.21292689442634585},{"word":"please","start":2292.295,"end":2292.455,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.18969601392745972},{"word":"don't","start":2292.455,"end":2292.695,"confidence":0.9645996,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.2061652839183807},{"word":"ever","start":2292.695,"end":2292.855,"confidence":0.7260742,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.1677967607975006},{"word":"hesitate","start":2292.855,"end":2293.335,"confidence":0.99902344,"punctuated_word":"hesitate","sentiment":"neutral","sentiment_score":0.16088664531707764},{"word":"and","start":2293.335,"end":2293.495,"confidence":0.90283203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23936665058135984},{"word":"let","start":2293.495,"end":2293.655,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.24329978227615356},{"word":"me","start":2293.655,"end":2293.815,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2278786450624466},{"word":"know","start":2293.815,"end":2294.315,"confidence":0.84594727,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.24367542564868927},{"word":"and","start":2294.535,"end":2294.7751,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11379321664571762},{"word":"i'll","start":2294.7751,"end":2294.935,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17337505519390106},{"word":"go","start":2294.935,"end":2295.095,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.22212740778923035},{"word":"back","start":2295.095,"end":2295.2551,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2243283987045288},{"word":"and","start":2295.2551,"end":2295.415,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17703673243522644},{"word":"look","start":2295.415,"end":2295.575,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2238787412643433},{"word":"at","start":2295.575,"end":2295.655,"confidence":0.94921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21725763380527496},{"word":"doing","start":2295.655,"end":2295.895,"confidence":0.9951172,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.24306365847587583},{"word":"that","start":2295.895,"end":2296.135,"confidence":0.94921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3093995153903961},{"word":"investment","start":2296.135,"end":2296.535,"confidence":0.8535156,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1886714398860931},{"word":"switch","start":2296.535,"end":2296.855,"confidence":0.7993164,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.2062734067440033},{"word":"keeping","start":2296.855,"end":2297.175,"confidence":0.49145508,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.2630995512008667},{"word":"that","start":2297.175,"end":2297.335,"confidence":0.9614258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2412886023521423},{"word":"high","start":2297.335,"end":2297.575,"confidence":0.9921875,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.24846389889717105},{"word":"growth","start":2297.575,"end":2297.895,"confidence":0.98535156,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.29753249883651733},{"word":"environment","start":2297.895,"end":2298.395,"confidence":0.95825195,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.2052099406719208},{"word":"remove","start":2298.535,"end":2298.935,"confidence":0.93359375,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":0.0917859673500061},{"word":"ben","start":2298.935,"end":2299.095,"confidence":0.2602539,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":0.15288054943084717},{"word":"along","start":2299.095,"end":2299.415,"confidence":0.8022461,"punctuated_word":"along,","sentiment":"neutral","sentiment_score":0.1808001697063446},{"word":"and","start":2299.415,"end":2299.575,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11075524985790253},{"word":"put","start":2299.575,"end":2299.735,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.17433983087539673},{"word":"something","start":2299.735,"end":2300.055,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.3170475661754608},{"word":"else","start":2300.055,"end":2300.215,"confidence":0.9790039,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.306812584400177},{"word":"in","start":2300.215,"end":2300.52,"confidence":0.9267578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18934184312820437},{"word":"place","start":2300.52,"end":2300.76,"confidence":0.9941406,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.255135715007782},{"word":"and","start":2300.76,"end":2300.88,"confidence":0.5307617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26331382989883423},{"word":"show","start":2300.88,"end":2301.0,"confidence":0.99121094,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.24344909191131592},{"word":"you","start":2301.0,"end":2301.24,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3286117613315582},{"word":"what","start":2301.24,"end":2301.4,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2692275643348694},{"word":"that","start":2301.4,"end":2301.6401,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32231631875038147},{"word":"looks","start":2301.6401,"end":2301.8801,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.2304013967514038},{"word":"like","start":2301.8801,"end":2302.36,"confidence":0.9628906,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.18474239110946655},{"word":"okay","start":2302.36,"end":2302.86,"confidence":0.75512695,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15795780718326569},{"word":"beautiful","start":2304.2,"end":2304.7,"confidence":0.9975586,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6716619729995728},{"word":"easy","start":2306.2,"end":2306.68,"confidence":0.92211914,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.7049318552017212},{"word":"thank","start":2306.68,"end":2306.92,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8037934899330139},{"word":"you","start":2306.92,"end":2307.16,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.841214656829834},{"word":"so","start":2307.16,"end":2307.4,"confidence":0.9951172,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8115342259407043},{"word":"much","start":2307.4,"end":2307.72,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.8089814782142639},{"word":"i'll","start":2307.72,"end":2307.8801,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5203611254692078},{"word":"let","start":2307.8801,"end":2308.04,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.5924205183982849},{"word":"you","start":2308.04,"end":2308.2,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4906691014766693},{"word":"go","start":2308.2,"end":2308.44,"confidence":0.9848633,"punctuated_word":"go,","sentiment":"positive","sentiment_score":0.5408327579498291},{"word":"paula","start":2308.44,"end":2308.76,"confidence":0.81811523,"punctuated_word":"Paula.","sentiment":"positive","sentiment_score":0.4880486130714417},{"word":"i","start":2308.76,"end":2308.84,"confidence":0.80615234,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7059961557388306},{"word":"hope","start":2308.84,"end":2309.08,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.7445396780967712},{"word":"you","start":2309.08,"end":2309.24,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6780279278755188},{"word":"have","start":2309.24,"end":2309.4,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7138751745223999},{"word":"a","start":2309.4,"end":2309.56,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6962964534759521},{"word":"lovely","start":2309.56,"end":2309.96,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.7685328125953674},{"word":"evening","start":2309.96,"end":2310.28,"confidence":0.9638672,"punctuated_word":"evening,","sentiment":"positive","sentiment_score":0.6705770492553711},{"word":"but","start":2310.28,"end":2310.52,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.5451850891113281},{"word":"thanks","start":2310.52,"end":2310.76,"confidence":0.8569336,"punctuated_word":"thanks","sentiment":"positive","sentiment_score":0.7400733828544617},{"word":"for","start":2310.76,"end":2310.84,"confidence":0.98828125,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7986087799072266},{"word":"your","start":2310.84,"end":2311.08,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7807098031044006},{"word":"time","start":2311.08,"end":2311.58,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.6450560092926025},{"word":"no","start":2314.137,"end":2314.457,"confidence":0.9589844,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.18275050818920135},{"word":"worries","start":2314.457,"end":2314.777,"confidence":1.0,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.29974597692489624},{"word":"i'll","start":2314.777,"end":2315.017,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2676186263561249},{"word":"talk","start":2315.017,"end":2315.177,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.3481641709804535},{"word":"to","start":2315.177,"end":2315.337,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3526955246925354},{"word":"you","start":2315.337,"end":2315.497,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3707506060600281},{"word":"soon","start":2315.497,"end":2315.897,"confidence":0.99365234,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.3319881856441498},{"word":"thanks","start":2315.897,"end":2316.397,"confidence":0.9980469,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5439533591270447},{"word":"see","start":2318.057,"end":2318.297,"confidence":0.9921875,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.2304757535457611},{"word":"you","start":2318.297,"end":2318.377,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31008023023605347},{"word":"later","start":2318.377,"end":2318.697,"confidence":0.99194336,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.2513350546360016},{"word":"bye","start":2318.697,"end":2319.197,"confidence":0.9770508,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11313538998365402}],"paragraphs":{"transcript":"\nHi, Paul. It's Dana from IT Financial. How are you this afternoon? I'm very well. Thank you.\n\nI just had you booked in to go through your annual review. Is now still a good time there for you? Yeah. All good. How's your day been so far?\n\nYeah? Oh, that's good. I yeah. It's been good. Busy, but just for having the end of financial year, so it's all okay.\n\nYeah. How's everything been going since we last closed Tabspace? Is there anything big change, any new pay rises, or any changes in your role? Yeah. Yeah.\n\nYeah. No? Yeah. No. That's okay.\n\nNot a problem at all. Excellent. What I'll do is we don't use DocuSign anymore. We use OdoSign. So what I'll do is I'll go through the annual review with you, give you an update on how things are going, update all of your circumstances, and have a bit of a chat.\n\nAnd then after the call, out will come your annual review pack so you can take some time and have a bit of a look at it and let me know if there's any additional questions that you do have. Is that okay? Yep. Easy. All good.\n\nBefore we jump into the call, just to obviously let you know, we do record these calls moving forward for training and quality purposes. Are you happy for me to proceed with that moving through the call? Yeah. Fantastic. Excellent.\n\nAnd I'll just do security there with you as well just to confirm your full name, your address, and date of birth I should have on file before I give out any personal information. Yep. Yep. Legend. Beautiful.\n\nThank you so much for that. So, Joel, I know you did speak to my colleague Samantha about a week ago now, and she sent an email to you just giving you a bit of an update on your portfolio there. Did you happen to have a look through the email at all? Yep. Fantastic.\n\nSo this is yeah. It's all good. Just to give you a bit of an update on where things are going and so super probably the main thing you're wanting to sort of find out about. As of your last annual review last year, your balance is about 3 sorry. 403,609.\n\nHaving a look at things now, your balance is upwards of 475,904. So it's a good increase for the year. When we have a look at that as an increase, you're up by 11.6% net of fees for the year. When we break that down to a dollar figure as it's income and growth there, you've made about 55,305 and 76¢ for the year. So it's a good increase.\n\nEven after the volatility we have seen this year, it's good to see you come out on top. And with your portfolio, you're in that high growth environment, so you have that nine to 10 split as as we have kinda gone through with you. So that kind of you are taking more risk in the market, so you can sort of see more volatility and feel more volatility as your balance increases as well. So 11% return is really good, really happy with that. You've probably heard and seen what's happening in the markets a little bit at the moment.\n\nIs there any sort of questions you might have or you sort of Yeah. Absolutely. So when I kinda break down your portfolio that is and that's one of the things I wanted to talk to you about today. I am kinda going through everyone's portfolios with the reviews and looking at what we maybe need to switch out for you because, obviously, we wanna make sure that nothing is underperforming in your portfolio. And even with an 11% return, it is a great return.\n\nYour portfolio is working well, but it still means that some investments might need to be switched out every so often. And having a look at things, Ben Long has been underperforming for this year. It was doing really well for many years up until sort of the end of last year, early this year, and then it's kinda been magnified with what's been happening globally there as well. But other Australian equity investments aren't seeing the sort of issues that Ben Long are having, so I do wanna swap that out for you. I would do have a bit of an advice document.\n\nI've got a few options that I'm looking at with regard to swapping that out for you. I've got a couple of active and passive management options we can look at. I just wanted to kinda get a feel for what your comfort level is. So with Bannalong, it was meant to be more of an actively managed investment, so that it's an active manager. They're meant to be buying and selling and trying to outperform against the market.\n\nYou can pay a little bit more in the way of investment fees to have that kind of active manager in your portfolio. Did you want me to keep something as an active manager in there, or did you wanna look at something a bit more passive or low cost in in its place? What would you like me to look at? No. You're fine.\n\nWe you work hard. You deserve to make money. Yeah. No. That's no.\n\nThat's fine. I completely understand. That's not a problem at all. What I can look at doing for you, if you like, is realistically and look, active managers are good. They do do they do tend to do quite well.\n\nHowever, there's no guarantees they're gonna outperform against the market. So if you like, what I could maybe look at doing is something a bit more passive. Look at a passive manager that provides maybe more diversification to help manage risk a little bit more, look at how that performs, but also look at maybe reducing some of the investment fees for you as well. Does that sound like a good idea? Yep.\n\nAll good. No worries. I've got a couple of options I'm looking at. I'll go back and just sort of review them more, look at how they work with the portfolio, look at what sort of fee savings it might help you out with. The other thing I do look at is obviously the capital gains consequences.\n\nSo your super fund, like you you do every year, does a tax return. So any, you know, changes to investments and switches and things does have a tax consequence for your funds. So I'll go back and review that. I'll update the advice for you. I'll just do an investment switch advice document to make it easier for you, and I'll outline the advantages and disadvantages, what we're gonna replace, and, obviously, the changes in the fees and any CGT consequence that might be might be as a result of the switch for you.\n\nDoes that sound okay? Yes? Beautiful. Excellent. Lovely.\n\nMhmm. It is yes. No. That's net of all fees, including our ongoing service fee. Correct.\n\nYeah. Yep. Absolutely. Yeah. Definitely.\n\nYeah. All good. No. That's a good easy easy done. We certainly hope it doesn't you're right.\n\nSorry. Yeah. I absolutely do. Yep. Sure do.\n\nSo it's almost three years here at the moment there. And when I look at the return net, you've made 34.79%. So it's averaged a compounded rate of return of 11.59 per year. Yeah. And I've actually got the dollar figure here for you as well.\n\nIt's about a 100 and 35,000 that you've made in earnings. That's growth and income over the past three years, and that's net of fees as well. So, yeah, it's done really well. Happy with that. Easy.\n\nPerfect. So I'll make sure that these documents are attached in that annual review pack there for you. If you find you have additional questions, let me know. But I'm personally really happy with how things have gone for VDE. It is really important I do note, though, that we have seen a bit of volatility this year.\n\nWe do not know what's gonna happen next year. We have certainly been speaking to some of the economists out there to see what's been going on, what they expect to happen. Unfortunately, inflation is expected to kind of have a bit of an increase over the next few months as well. I don't really like the idea of that. But if there is a bit of an increase to inflationary pressures, it does mean that we could see some more volatility in the market.\n\nBut, overall, you've done really well. So the other thing to kinda point out, and just to make sure that I'm being open and honest with you, is as your balance increases remaining in that high growth environment there, you will notice that smaller fluctuations feel a lot bigger on your super balance. And in the shorter term, if we see those, you know, fluctuations continue, a one or two or 3% change in your portfolio, you might feel that in the short term a little bit. So please reach out if you are concerned or have any questions in relation to it, but I just want to make sure that everyone who is in that high growth environment does kind of is aware that, you know, reductions or pullbacks in the performance or in the in the market in the short term does affect everybody, but it's about waiting through those downtimes and coming out on the other side there. And if you ever find you're not comfortable being in that kind of high growth environment, please do let me know.\n\nI'm more than happy to talk you through it or reassess that level with you as well. Okay? Absolutely. Yeah. Yeah.\n\nAbsolutely. Look. It's it's a positive and a negative. A long time of work means you've gotta do more work, unfortunately. However, you do have a lot more time to allow your portfolio to come pan for longer, so it's absolutely fine.\n\nI just like to sort of bring those things up because I am sort of finding this year a lot of people who, you know, the last few years have wanted to say high growth this year, have been have been a little bit more nervous about it. So I've been having a lot of very honest conversations with people from all works walks of life as well. I feel like you're probably a bit more versed than most people are in relation to the markets and how things work, and it's just, you know, making sure that everyone's comfortable with that level and noting that you don't have to wait for the annual review. If you're ever concerned, pick up the phone or let me know. I'll make time to come and have a chat with you, and we can always review the portfolio to review, you know, your risk level at any point in time as well.\n\nOkay? Yep. Perfect. All good. With that, sir, you're happy to stay in that high growth environment for the moment.\n\nI mean, realistically, you do have the time horizon ahead of you. As you said, you're only 37 in September, so you've got a bit of time before you're able to access Super at this stage. Capacity wise, you've got time to wade through the downtime without sort of worrying or having to take money out there at the moment, and you are working, and you're a good high income earner as well. So your contributions going in do also provide that greater benefit to your super. I'm comfortable keeping you in that high growth environment for the time being as long as you're comfortable to stay there.\n\nYep. Perfect. Excellent. All good. The other thing I do like to look at is the insurances.\n\nSo I know last year, we did go ahead and cancel your income protection. You sorta didn't wanna keep paying for that any longer. With the licensed EPD benefit you still have, it does give you a benefit or your your sorry. The benefit you're covered for is a million and 62 and 810. So it has gone up a little bit from last year.\n\nYou premium was you paid about 1,177 this year for that one. Thinking about sort of the life and CBD benefit that you're covered for at the moment with one pass, are you fairly happy with that? Did you wanna kind of look at altering that in any way, shape, or form? No. You're alright.\n\nI wouldn't sort of honestly, one pass, and the amount you're paying for these is the cheapest you'll get for the type of cover that you've got. It's more just about whether you kinda wanted to increase or decrease it at all. Realistically, the premium you're paying is actually very, very good for the level of cover you've got. I've seen people who have less cover pay a lot more for for premiums. So one path is definitely the most competitive premium wise out there, especially then if you've got an older policy too.\n\nAny newer policies would definitely cost a little bit more with the the changes that come in every year to the insurance companies. So I wouldn't wanna sort of just change the cover if you are comfortable with the amount of cover you have just because it would increase the cost of it. But did you wanna reevaluate the level? Are you happy with the, you know, a million and 62 that you've got? Yes?\n\nExcellent. All good. I can see here with you. No. No.\n\nWell, the CBD is probably more you. Yes. No. No. You're fine.\n\nYou are absolutely fine. Don't worry. I've heard it all. I've got clients who I talk about life with and all the bits and pieces, and they go, oh, it's not even gonna bother me. I don't even care.\n\nYeah. I'm sure you do. All good. With the with the mortgage and the property, I have it noted here that you have roughly about a 100,000 owing there, but you guys have it offset pretty well, don't you? Yep.\n\nYep. Yep. I believe you only sort of technically owe about, what, 2,000 on the mortgage? Yes. Yeah.\n\nYeah. Absolutely. It's it's the servicing of it. It's it's there. You've got the money if you need it in case something comes out without having to go back to the rigmarole of servicing again.\n\nI get it. Fantastic. With the property there, I've got a an estimated asset value of that 1,200,000. Would you alter or change that at all? About that?\n\nPerfect. I've also got the Ford Ranger asset value 65,000. That's okay. You're right. All good.\n\nAnd then the Mazda three with an asset value roughly of 2,000. All good. No. Is it the one you drive to work? I believe it says it's the one you guys you drive.\n\nYeah. No. Nice. Nice. And then you've still got the caravan there as well, roughly valued at 95,000.\n\nYep. Beautiful. And then content, rough valuation on content is about 126,000. Is that right? Yeah.\n\nThat's okay. Yeah. That yeah. It's a bit difficult with content because, realistically, when you think about it, if you tip your house upside down, everything falls out. The cost of replacing that could be different depending on where you shop, what you buy, what you want, you how many kids you've got.\n\nThere's so many other factors there. So yeah. Perfect. Other than that, income wise, we had you earning about 180,000 last year. Have you had I know you said you weren't sure about the pay rise, but any pay rises recently or coming up?\n\nOh, fantastic. Yep. Beautiful. Well, you're definitely worth more. All good.\n\nNo. Yeah. No. That's perfect. And I've got down here that you're managing to save roughly about 250 per week.\n\nAre you still finding to that right, or is it a bit tougher with the way everything costs? Yeah. Yeah. That's okay. Yeah.\n\nYep. That's okay. Not a problem at all. Having a look at your beneficiaries. Now I can see we have sent out some beneficiary forms to you, but it looks like we still don't have them returned.\n\nSo we don't actually have beneficiary nominations placed on your three for your one pass policy at the moment. I do wanna try and get those applied, so I wanna help you to have those completed. Are you okay yeah. Is you okay if we pre fill them all for you? I obviously wanna double check that you do want Jackie as your beneficiary on your super and your life cover.\n\nYep. Super annual life cover. Yep. Beautiful. That's okay.\n\nIf you if you're comfortable and you approve it, I can get my team to prefill the information. We obviously do have all of Jackie's details. So we can prefill it for you and send it out, and then you've just gotta sign sorry. Yeah. If we just gotta get it signed and witnessed, a witness just can't be Daphne as she'll be the beneficiary.\n\nBut if you've got two mates or neighbors or, you know, brother or sister or mom or dad or or someone else that can just witness it for you the day you sign it, shoot them back to us in the post or email, and we will make sure they are applied for you. Because it's something that I know we've been trying to do, and I wanna try and make sure that that's covered. So if anything happens, having your super and your life insurance is one thing, but making sure she actually gets the money in the event that's having a curve would be another story. So beautiful. I will make sure that is done, and I will get Michelle, my admin team member, to pre fill them.\n\nShe'll send them out to you, and then she'll follow you up a little bit to make sure they come back as well. Okay? Beautiful. All good. Other than that, I've got it noted here that you guys do have a will and power of attorney.\n\nEverything is up to date. Is that is that also reflective of your wishes? Yes. Perfect. Fantastic.\n\nHaving a look, everything else looks pretty good. I'll get the annual review pack out to you there. It will have a copy of all the documents that I've gone through giving you the city of currency and also an update on your superannuation side of things with the so ongoing service agreement there as well. So your ongoing service fee you pay to us is 1.1%. That's per annum, and then it's deducted in smaller monthly increments.\n\nIt's the same as it was last year. I did try to reduce it a bit more, but, unfortunately, they wouldn't let me. I'm so sorry. I'll keep trying. But, yeah, it says one point one zero.\n\nYeah. The good thing about your ongoing it sounds really good. Unfortunately, I've gotta take it to my license fee. The good thing about the way the percentage fee works is that it does work in line with your super. So the more you make or the more of a return you get out of your super does mean the more that we make as well.\n\nAnd if to say we saw the market take a bit of a dip, it means that Outplay takes a bit of a dip with it as well. So it does work out to your benefit in that scenario there. But I know it's one thing that we did talk about last year, and I was like, look. I did go into bed. I did try.\n\nThey said no, and I get that. It's okay. But I still wanna make sure things are working harder for you. So as your adviser, if I find that things aren't working and our fees should not be applied, I will go into that, and I will fight a lot harder for you. But right now, you're making money.\n\nYou're doing really well. Even in a really crazy volatile time, we saw some really hectic changes and drops in the market this year, especially around March 2728 with what was happening overseas. So your portfolio's weather the storm really, really nicely. Have I ever sort of explained to you have about the VIX index? This might be something that's kind of interesting to you.\n\nHave you ever seen or heard about what the VIX index is? No. So the VIX index, the BIX index, essentially tracks market volatility. If you ever get a chance to look at it, it's kind of exciting, kinda cool, but it works in The US stock market, essentially. But whenever the VIX index is over 20%, it means that over the next thirty days, you can expect high volatility.\n\nAnd in around March, it got up to 31.65%. So it was pretty high. But whenever the VIX index goes down under 20%, it's an indicator that markets are gonna be fairly stable for the next sort of thirty days. So if you're ever sort of looking at things and hearing a lot of in the news of what's happening there, you always welcome to pull up the VIX index and have a bit of a look at where it's tracking and what it's sort of doing over the past, you know, couple of days, and it kinda gives you an index. So 20% is kind of the the the line of where you go from volatility to stable.\n\nYep. You're expecting some stability. Yeah. Yeah. It's just a really cool indicator of kind of being usually, like, some of the indicators that we use to sorta help everyone so that people have got something they can kinda go to or a little bit of guidance there.\n\nPart of my job is not just about, you know, making money for you. I do enjoy the educational value as well and, you know, utilizing and passing on some of the knowledge that I've been able to obtain. So, yes, it's kinda cool to have a look at, especially when you're hearing a lot of the news or people saying that things are going up and down. It just gives you another sort of point to have a look at if you ever wanted to. Okay.\n\nEasy. Yeah. Sure. Sure. Yep.\n\nSix 100,000. Yep. Yep. Yep. So 600,000.\n\nSo if we can get your balance up to a million dollars or even higher than that, which would be fantastic, and you've got plenty of time on your side to be able to do that. Essentially, we won't be charging 1.1% of that balance there. That is capped at $600,000. Yeah. Yeah.\n\nPerfect. The other documents we will have in that doc Odoo sign pack for you will just be our updated financial service guide with the outline of everything about who we are, what we do, how we do it. It's got all my licensing information in there for you as well. And then we do also update often just what's called the tax file opt in form. So we like to make sure everyone is aware.\n\nWe do hold your tax phone number. So we go through every so often and just update the authority on that one, just making sure that we're keeping everyone's information at the forefront, but making sure you're aware of the information we hold on you as well. Okay? Yep. Perfect.\n\nOver the next sort of one to two or even five years, do you have any other goals that you're looking to achieve? Or Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Of course.\n\nYeah. Definitely. No. Understandable. Yeah.\n\nNo. That's okay. I'm just having a quick look back at the last back when we did last year as well. You also mentioned maybe upgrading a car as well. Is that something you're sort of looking to do down the track?\n\nYep. Yep. Beautiful. And retirement wise, we're all good. And retirement wise, we're still tracking forward to retire, hopefully, at age 60.\n\nYeah. Perfect. Nice. Nice. Well, with 60 at the moment is the earliest they're gonna let you access your super, but, I mean, we can look at other things down the track.\n\nWe can look at investing outside of super in certain ways to kind of build retire you know, you build access to savings earlier so you can possibly retire earlier. And then you've also got the option of investment property. So sorry. Yeah. No.\n\n'60. 60. Yes. '6 zero. No.\n\nNo. No. So no. That's okay. It's honestly a really common it's a common misconception a lot of people have.\n\nSo 67 is the age that if you're eligible for to access the age pension, but because a lot of people just refer to as retirement age because a lot of people, especially the older generation, they even this is some generations, they didn't have super. Super wasn't a big thing until the early nineties. So a lot of them are retiring on lower balances now, and they are having to rely on the government system. So for them, 67 isn't so much the age they can access as super, but it's the age that they feel they can retire because it's the age they can access the age pension. But under the legislation requirements, if you stop working at 60, you can access your super wholly completely tax free.\n\nYeah. Yeah. I like to give people good news like that. Yeah. Absolutely.\n\nYeah. Yeah. Yeah. Of course. Yeah.\n\nHonestly, the best the best way is to do that, and it's a little bit hard at the moment because of what's happening with the budget, but one of the best ways is to be able to negatively give property. So either buying an investment property or buying a new one for yourself and renting at your current property and being able to negatively gear that. The only downside is at the moment with the way with what was put out in the budget was that they're only going to if these changes go through as of July next year, you'll only be able to negatively gear as an investor a brand new property, which means you would have to buy a build, like, a new property, build it, and then rent it out to access negative gearing. We can do, like, investing outside of super through investment portfolios and things like that, but they don't necessarily reduce your income tax. It actually tends to increase that because you get income and growth out of your investments the same as the super, and that all has to be included in your personal tax return.\n\nSo it doesn't actually reduce your tax payable. Under under the legislation under the tax act, we actually can't provide advice solely for the purpose of reducing tax. That is seen as a tax avoidance measure. But if you're looking to buy a new property, it is actually because that's, I mean, that's the whole reason we tend to do these sorts of things. We just have to call it something else.\n\nBut, realistically, like, if you're wanting to be able to build wealth outside of so far, looking at, say, an investment property is a good way to do that. You're, you know, building your ad your net assets and growing investments to the future, and property tends to do very well over the longer term there as well. And then if you rent the property out, plus you've got management fees and you've got, you know, you've gotta look after the property as well, so ongoing maintenance costs and things like that. If the rent you're bringing in just so happens to not cover the cost of the loan repayment or sorry. It's not so much the principal.\n\nIt's the interest on the loan repayment plus your management fees plus your ongoing maintenance costs, then you've technically negatively geared the property, and that gives you a tax deduction. And that works out really well. It's one of the best ways to be able to minimize the amount of tax we are paying. But the tough thing at the moment is that with this bill coming in, it's well, if this bill goes through, then it might change the way we are able to negatively give. So I'm just of the opinion at the moment.\n\nHave a think about what you'd like to do. If and when you wanna sort of look at buying a new property, we can put you in touch with a mortgage broker to sort of help you with that. But I would be very mindful of just being cautious about doing it now. I'd be waiting to see what happens with this bill to work out whether you buy your forever home and rent the current property out or whether you have to buy a new property to be able to look at negative gearing to benefit you. Does that make sense?\n\nYeah. There's just so much happening here at the moment. Yep. Yeah. Yeah.\n\nYeah. Yeah. Perfect. Yeah. So yeah.\n\nSo this financial year, you can put in there up to the 30,000. You could also look at utilizing some catch up contributions. I would say utilizing catch up contribution because your balance is a lot higher, once you hit that $500,000 balance as of the July 1, any financial year, you actually lose access to your catch up contributions. So if you wanted to yeah. If you wanted to, you could send through your catch up contributions, and I can have a look at that for you and work out what you could put in this year to kind of give you a little bit of an extra tax deduction.\n\nNo. No. Because if if you like, I'll send you an email after the call. It'll have instructions on how to access that through your MyGov account. If you can get a hold of that and send it through to me, I can have a look at what you've got packed up space.\n\nAnd if you're comfortable do you know how much you would like to know you put in the super? Do you have, like, a lump sum amount you'd be comfortable with? Or that's exactly it. So take money out of your bank account, and we transfer it into super, and then we claim a notice of intent against that once it's in super. Yeah.\n\nSo the way it works you're right. To give you a bit of clarity there, it's called a deductible contribution. So we take money that you've already paid tax on, like, out of your bank account or savings or something like that, you transfer that straight into super. Because looking at your contributions this financial year, you're right on that twenty nine thousand nine six three already. So you're basically capping out with your contributions currently.\n\nMhmm. Yeah. Are you I'm just looking at your contributions going in. Let's have a look. Yeah.\n\nOkay. Yep. Perfect. Where are we? So I'm actually here.\n\nI'm just having a quick look at your contributions. They tend to go in around the fifteenth of every month. So around about the fifteenth of next month, you'll have probably another $1,800 there. So because your balance was under 500,000 as at the July 1 year, you should still have access to those types of contributions. But if we don't use them this year, you may not get access to them next financial year depending on how your balance goes.\n\nI reckon you might get one more year out of them, but it just depends upon what the market does as well. But, essentially, with a deductible contribution, we take some money out of your bank account. You've already paid tax on that money, put that into super, and then we claim a notice of intent. That then means that the super fund about 15% tax. It changes the contribution, and then the amount you put into super, you can claim on your tax return as a bit of a tax deduction.\n\nSo it kind of works really well to help reduce your taxable income a bit there as well. Yeah. Yeah. Yeah. Yes.\n\nPerfect. I'll shoot you to an email. Yes. Perfect. Yeah.\n\nWe'll need to get it done generally before the last week of June. So I would be wanting to get these sort of done no later than, say, the June 20 to make sure they all go in because then the super fund has to process the contributions, and we claim the notice of intent. We can do it straight after, but the notice intent doesn't have to be claimed till after the July 1. It's just getting the contribution in on time. So yeah.\n\nSo if you like, I'll send the email straight after this, give you the direction on how to get that information from your MyGov account. If you can shoot that back to me, I can do some numbers and some playing there for you, and then you can let me know. We can do it without advice to make it quicker where you just transfer the money in and tell me once you've done it, and I'll just give you some general information around, you know, what that might look like. The tax deduction I mean, you might have other deductions that might help reduce some you know, that you might also be able to provide there, but I can give you some general information on what that looks like. We can get that money in, and then you've got something done before the end of the financial year to help you out a little bit.\n\nYeah. Perfect. Excellent. Excellent. Perfect.\n\nDo you have any other questions or anything else you wanted me to touch base on? Or No. Yep. Beautiful. Yeah.\n\nNot every year. As of next year, the contributions cap will be increasing by 2,500, so it goes from 30,000 to 32,500. It tends to do that sort of every two to three years depending on sort of how everything goes. So it should be every second year that they increase it in 2,500 increments unless they change that legislation at all. But they're also increasing the non concessional cut, which is great to a 130,000.\n\nSo, yeah, we've got extra space in other ways if we need to. Okay. Mhmm. We we can. It just depends on with your increase in income.\n\nJust yeah. Have you look at how much you've got going because this year, it looks like you might just exceed the cap a little bit with what you've got. Yeah. That's probably where that extra comes from. Yeah.\n\nYep. Yeah. There was. Yeah. They owed you a bit of back pay.\n\nYeah. There was a nice big $10,000 one that went in there. Yeah. Perfect. I mean, we can do it this way each year if you want because, I mean, family sacrifice is good.\n\nThere are limitations to it. When you think of it from a tax point of view, making more of a deductible contribution works more in your favor. Even if we can't sort of even if we can't use CACAA contributions moving forward, we can look at what goes in from your employer each year and then around June, work out what you can put in as a lump sum to kind of boost it up to the cap. And we can do it that way because, I mean, salary sacrifice comes out of your income. It doesn't provide as big of a deduction, whereas if you were to make, like, a big $10,000 deductible contribution, that $10,000 you can take and claim back on your tax return.\n\nSo from a tax point of view, the deductible contribution works out more in our favor. Yeah. Beautiful. Easy. Do you want me to, in the email, put a little bit of information on what a deductible contribution is to kinda give you a bit of a breakdown?\n\nI know we've talked about a lot of things, so just to kind of add a bit more detail there for you. Yeah. Fantastic. Not an issue at all. I'll get those out to you shortly.\n\nIf there's any additional questions or anything else for me, please don't ever hesitate and let me know, and I'll go back and look at doing that investment switch keeping that high growth environment, remove Ben along, and put something else in place and show you what that looks like. Okay. Beautiful. Easy. Thank you so much.\n\nI'll let you go, Paula. I hope you have a lovely evening, but thanks for your time. No worries. I'll talk to you soon. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.11838442832231522},{"text":"It's Dana from IT Financial.","start":2.96,"end":4.42,"sentiment":"neutral","sentiment_score":0.15994579792022706},{"text":"How are you this afternoon?","start":4.48,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.20042819976806642},{"text":"I'm very well.","start":7.44,"end":8.24,"sentiment":"positive","sentiment_score":0.6072980165481567},{"text":"Thank you.","start":8.24,"end":8.72,"sentiment":"positive","sentiment_score":0.6728360950946808}],"sentiment":"neutral","sentiment_score":0.30624735793646646,"num_words":17,"start":2.3999999,"end":8.72},{"sentences":[{"text":"I just had you booked in to go through your annual review.","start":8.72,"end":10.719999,"sentiment":"neutral","sentiment_score":0.31784864515066147},{"text":"Is now still a good time there for you?","start":10.719999,"end":12.645,"sentiment":"neutral","sentiment_score":0.27767860061592525},{"text":"Yeah.","start":14.405001,"end":14.725,"sentiment":"neutral","sentiment_score":0.22542467713356015},{"text":"All good.","start":14.725,"end":15.285,"sentiment":"positive","sentiment_score":0.37738339602947235},{"text":"How's your day been so far?","start":15.285,"end":16.905,"sentiment":"neutral","sentiment_score":0.16338580350081125}],"sentiment":"neutral","sentiment_score":0.2757932479182879,"num_words":30,"start":8.72,"end":16.905},{"sentences":[{"text":"Yeah?","start":19.045,"end":19.545,"sentiment":"neutral","sentiment_score":0.07514984905719757},{"text":"Oh, that's good.","start":20.005001,"end":20.725,"sentiment":"neutral","sentiment_score":0.14832099030415216},{"text":"I yeah.","start":20.725,"end":21.605,"sentiment":"neutral","sentiment_score":0.2460760474205017},{"text":"It's been good.","start":21.605,"end":22.244999,"sentiment":"positive","sentiment_score":0.40097328027089435},{"text":"Busy, but just for having the end of financial year, so it's all okay.","start":22.244999,"end":26.105,"sentiment":"neutral","sentiment_score":0.22794613880770548}],"sentiment":"neutral","sentiment_score":0.23506220430135727,"num_words":23,"start":19.045,"end":26.105},{"sentences":[{"text":"Yeah.","start":28.21,"end":28.71,"sentiment":"neutral","sentiment_score":0.10128524899482728},{"text":"How's everything been going since we last closed Tabspace?","start":28.849998,"end":31.189999,"sentiment":"neutral","sentiment_score":0.02897964355846246},{"text":"Is there anything big change, any new pay rises, or any changes in your role?","start":31.25,"end":35.35,"sentiment":"neutral","sentiment_score":-0.007341064916302761},{"text":"Yeah.","start":39.825,"end":40.325,"sentiment":"neutral","sentiment_score":-0.01443968154489994},{"text":"Yeah.","start":40.465,"end":40.965,"sentiment":"neutral","sentiment_score":-0.012302062474191189}],"sentiment":"neutral","sentiment_score":0.00834238234286507,"num_words":27,"start":28.21,"end":40.965},{"sentences":[{"text":"Yeah.","start":43.185,"end":43.685,"sentiment":"neutral","sentiment_score":-0.02847708947956562},{"text":"No?","start":47.665,"end":48.165,"sentiment":"neutral","sentiment_score":-0.04719650372862816},{"text":"Yeah.","start":49.745003,"end":50.245003,"sentiment":"neutral","sentiment_score":-0.002698543481528759},{"text":"No.","start":50.305,"end":50.545,"sentiment":"neutral","sentiment_score":-0.01329327281564474},{"text":"That's okay.","start":50.545,"end":51.185,"sentiment":"neutral","sentiment_score":0.029618182219564918}],"sentiment":"neutral","sentiment_score":-0.005404840844372907,"num_words":6,"start":43.185,"end":51.185},{"sentences":[{"text":"Not a problem at all.","start":51.185,"end":52.225,"sentiment":"neutral","sentiment_score":0.06924746036529542},{"text":"Excellent.","start":52.225,"end":52.705,"sentiment":"neutral","sentiment_score":0.2661464810371399},{"text":"What I'll do is we don't use DocuSign anymore.","start":52.705,"end":55.57,"sentiment":"neutral","sentiment_score":-0.02340539637953043},{"text":"We use OdoSign.","start":55.57,"end":56.47,"sentiment":"neutral","sentiment_score":0.000742599368095398},{"text":"So what I'll do is I'll go through the annual review with you, give you an update on how things are going, update all of your circumstances, and have a bit of a chat.","start":56.690002,"end":63.97,"sentiment":"neutral","sentiment_score":0.07803432500975974}],"sentiment":"neutral","sentiment_score":0.05879096276699924,"num_words":52,"start":51.185,"end":63.97},{"sentences":[{"text":"And then after the call, out will come your annual review pack so you can take some time and have a bit of a look at it and let me know if there's any additional questions that you do have.","start":63.97,"end":73.505,"sentiment":"neutral","sentiment_score":0.07732236762531101},{"text":"Is that okay?","start":73.505,"end":74.18,"sentiment":"neutral","sentiment_score":0.16707225640614828},{"text":"Yep.","start":74.18,"end":74.405,"sentiment":"neutral","sentiment_score":0.14259137213230133},{"text":"Easy.","start":74.405,"end":74.905,"sentiment":"neutral","sentiment_score":0.23057794570922852},{"text":"All good.","start":74.965,"end":75.685,"sentiment":"neutral","sentiment_score":0.2639092952013016}],"sentiment":"neutral","sentiment_score":0.0956404123930855,"num_words":47,"start":63.97,"end":75.685},{"sentences":[{"text":"Before we jump into the call, just to obviously let you know, we do record these calls moving forward for training and quality purposes.","start":75.685,"end":81.365,"sentiment":"neutral","sentiment_score":0.10966081358492374},{"text":"Are you happy for me to proceed with that moving through the call?","start":81.365,"end":84.265,"sentiment":"neutral","sentiment_score":0.15983597189188004},{"text":"Yeah.","start":85.520004,"end":85.840004,"sentiment":"neutral","sentiment_score":0.28851938247680664},{"text":"Fantastic.","start":85.840004,"end":86.340004,"sentiment":"positive","sentiment_score":0.5292361378669739},{"text":"Excellent.","start":86.64,"end":87.12,"sentiment":"positive","sentiment_score":0.4212870001792908}],"sentiment":"neutral","sentiment_score":0.14871924202889203,"num_words":40,"start":75.685,"end":87.12},{"sentences":[{"text":"And I'll just do security there with you as well just to confirm your full name, your address, and date of birth I should have on file before I give out any personal information.","start":87.12,"end":94.18,"sentiment":"neutral","sentiment_score":0.15041851986418753},{"text":"Yep.","start":96.72,"end":97.22,"sentiment":"neutral","sentiment_score":0.0269169881939888},{"text":"Yep.","start":98.16,"end":98.66,"sentiment":"neutral","sentiment_score":0.01805892400443554},{"text":"Legend.","start":100.935,"end":101.435,"sentiment":"neutral","sentiment_score":0.3059413731098175},{"text":"Beautiful.","start":101.735,"end":102.235,"sentiment":"positive","sentiment_score":0.6985548734664917}],"sentiment":"neutral","sentiment_score":0.1622026798462397,"num_words":38,"start":87.12,"end":102.235},{"sentences":[{"text":"Thank you so much for that.","start":102.295,"end":103.915,"sentiment":"positive","sentiment_score":0.778781016667684},{"text":"So, Joel, I know you did speak to my colleague Samantha about a week ago now, and she sent an email to you just giving you a bit of an update on your portfolio there.","start":104.215,"end":111.655,"sentiment":"neutral","sentiment_score":0.08320355085389955},{"text":"Did you happen to have a look through the email at all?","start":111.655,"end":114.075,"sentiment":"neutral","sentiment_score":0.03142261955266198},{"text":"Yep.","start":115.97,"end":116.47,"sentiment":"neutral","sentiment_score":0.18339475989341736},{"text":"Fantastic.","start":116.53,"end":117.03,"sentiment":"positive","sentiment_score":0.5336674451828003}],"sentiment":"neutral","sentiment_score":0.15779898217455907,"num_words":55,"start":102.295,"end":117.03},{"sentences":[{"text":"So this is yeah.","start":117.41,"end":118.45,"sentiment":"positive","sentiment_score":0.4280210807919502},{"text":"It's all good.","start":118.45,"end":119.01,"sentiment":"positive","sentiment_score":0.5972195466359457},{"text":"Just to give you a bit of an update on where things are going and so super probably the main thing you're wanting to sort of find out about.","start":119.01,"end":125.03,"sentiment":"neutral","sentiment_score":0.23464151870073943},{"text":"As of your last annual review last year, your balance is about 3 sorry.","start":125.97,"end":129.945,"sentiment":"neutral","sentiment_score":0.035623486153781414},{"text":"403,609.","start":129.945,"end":133.405,"sentiment":"neutral","sentiment_score":0.024925025179982185}],"sentiment":"neutral","sentiment_score":0.21239217326921575,"num_words":51,"start":117.41,"end":133.405},{"sentences":[{"text":"Having a look at things now, your balance is upwards of 475,904.","start":133.785,"end":138.82501,"sentiment":"neutral","sentiment_score":0.1238953626404206},{"text":"So it's a good increase for the year.","start":138.82501,"end":140.68501,"sentiment":"positive","sentiment_score":0.40807081386446953},{"text":"When we have a look at that as an increase, you're up by 11.6% net of fees for the year.","start":140.74501,"end":147.63,"sentiment":"neutral","sentiment_score":0.1405993305146694},{"text":"When we break that down to a dollar figure as it's income and growth there, you've made about 55,305 and 76¢ for the year.","start":148.01001,"end":157.05,"sentiment":"neutral","sentiment_score":0.1926741703696873},{"text":"So it's a good increase.","start":157.05,"end":158.675,"sentiment":"positive","sentiment_score":0.4315683901309967}],"sentiment":"neutral","sentiment_score":0.2081271373831174,"num_words":69,"start":133.785,"end":158.675},{"sentences":[{"text":"Even after the volatility we have seen this year, it's good to see you come out on top.","start":158.815,"end":162.995,"sentiment":"positive","sentiment_score":0.4100515834159321},{"text":"And with your portfolio, you're in that high growth environment, so you have that nine to 10 split as as we have kinda gone through with you.","start":163.05501,"end":170.755,"sentiment":"neutral","sentiment_score":0.19580309838056564},{"text":"So that kind of you are taking more risk in the market, so you can sort of see more volatility and feel more volatility as your balance increases as well.","start":171.23999,"end":179.64,"sentiment":"neutral","sentiment_score":0.02528809681534767},{"text":"So 11% return is really good, really happy with that.","start":179.64,"end":183.73999,"sentiment":"positive","sentiment_score":0.5174840569496155},{"text":"You've probably heard and seen what's happening in the markets a little bit at the moment.","start":184.375,"end":189.035,"sentiment":"neutral","sentiment_score":0.009261273914717094}],"sentiment":"neutral","sentiment_score":0.18563639618172384,"num_words":101,"start":158.815,"end":189.035},{"sentences":[{"text":"Is there any sort of questions you might have or you sort of Yeah.","start":190.21501,"end":208.03,"sentiment":"neutral","sentiment_score":0.0023662696725555827},{"text":"Absolutely.","start":208.17,"end":208.67,"sentiment":"neutral","sentiment_score":0.04874170571565628},{"text":"So when I kinda break down your portfolio that is and that's one of the things I wanted to talk to you about today.","start":208.89,"end":219.28499,"sentiment":"neutral","sentiment_score":-0.004588090756442398},{"text":"I am kinda going through everyone's portfolios with the reviews and looking at what we maybe need to switch out for you because, obviously, we wanna make sure that nothing is underperforming in your portfolio.","start":219.28499,"end":229.54,"sentiment":"neutral","sentiment_score":-0.003282440666641508},{"text":"And even with an 11% return, it is a great return.","start":229.54,"end":232.26,"sentiment":"neutral","sentiment_score":0.23981220884756607}],"sentiment":"neutral","sentiment_score":0.029350637376089308,"num_words":85,"start":190.21501,"end":232.26},{"sentences":[{"text":"Your portfolio is working well, but it still means that some investments might need to be switched out every so often.","start":232.26,"end":237.56,"sentiment":"neutral","sentiment_score":-0.05639452930717241},{"text":"And having a look at things, Ben Long has been underperforming for this year.","start":238.57999,"end":242.355,"sentiment":"neutral","sentiment_score":-0.24489183138523782},{"text":"It was doing really well for many years up until sort of the end of last year, early this year, and then it's kinda been magnified with what's been happening globally there as well.","start":242.815,"end":252.675,"sentiment":"neutral","sentiment_score":-0.019409169388167998},{"text":"But other Australian equity investments aren't seeing the sort of issues that Ben Long are having, so I do wanna swap that out for you.","start":253.05501,"end":259.18,"sentiment":"neutral","sentiment_score":-0.0633957064896822},{"text":"I would do have a bit of an advice document.","start":259.64,"end":261.88,"sentiment":"neutral","sentiment_score":0.08438286036252976}],"sentiment":"neutral","sentiment_score":-0.05782448627556173,"num_words":104,"start":232.26,"end":261.88},{"sentences":[{"text":"I've got a few options that I'm looking at with regard to swapping that out for you.","start":261.88,"end":266.54,"sentiment":"neutral","sentiment_score":0.10778991045320735},{"text":"I've got a couple of active and passive management options we can look at.","start":266.68,"end":270.585,"sentiment":"neutral","sentiment_score":0.08724497125617095},{"text":"I just wanted to kinda get a feel for what your comfort level is.","start":270.985,"end":274.66498,"sentiment":"neutral","sentiment_score":0.20580841494458063},{"text":"So with Bannalong, it was meant to be more of an actively managed investment, so that it's an active manager.","start":274.66498,"end":279.88498,"sentiment":"neutral","sentiment_score":0.17980396375060081},{"text":"They're meant to be buying and selling and trying to outperform against the market.","start":280.025,"end":283.485,"sentiment":"neutral","sentiment_score":0.2282127152596201}],"sentiment":"neutral","sentiment_score":0.16109155915394613,"num_words":79,"start":261.88,"end":283.485},{"sentences":[{"text":"You can pay a little bit more in the way of investment fees to have that kind of active manager in your portfolio.","start":283.91998,"end":290.82,"sentiment":"neutral","sentiment_score":0.06336053995334584},{"text":"Did you want me to keep something as an active manager in there, or did you wanna look at something a bit more passive or low cost in in its place?","start":291.36,"end":298.725,"sentiment":"neutral","sentiment_score":0.03789546677181797},{"text":"What would you like me to look at?","start":298.725,"end":300.425,"sentiment":"neutral","sentiment_score":-0.02145263832062483},{"text":"No.","start":306.725,"end":307.04498,"sentiment":"neutral","sentiment_score":-0.2022002935409546},{"text":"You're fine.","start":307.04498,"end":307.76498,"sentiment":"neutral","sentiment_score":-0.08718094974756241}],"sentiment":"neutral","sentiment_score":0.03205951675772667,"num_words":65,"start":283.91998,"end":307.76498},{"sentences":[{"text":"We you work hard.","start":307.76498,"end":308.965,"sentiment":"neutral","sentiment_score":-0.09158280678093433},{"text":"You deserve to make money.","start":308.965,"end":310.425,"sentiment":"neutral","sentiment_score":-0.14804520308971406},{"text":"Yeah.","start":314.21,"end":314.53,"sentiment":"neutral","sentiment_score":-0.1951454132795334},{"text":"No.","start":314.53,"end":314.77,"sentiment":"neutral","sentiment_score":-0.11560364067554474},{"text":"That's no.","start":314.77,"end":316.05,"sentiment":"neutral","sentiment_score":-0.020780321210622787}],"sentiment":"neutral","sentiment_score":-0.11222053376527932,"num_words":13,"start":307.76498,"end":316.05},{"sentences":[{"text":"That's fine.","start":316.05,"end":316.77,"sentiment":"neutral","sentiment_score":0.017645198851823807},{"text":"I completely understand.","start":316.77,"end":317.99,"sentiment":"neutral","sentiment_score":0.16572992503643036},{"text":"That's not a problem at all.","start":318.13,"end":319.49,"sentiment":"neutral","sentiment_score":0.13397067412734032},{"text":"What I can look at doing for you, if you like, is realistically and look, active managers are good.","start":319.49,"end":323.81,"sentiment":"neutral","sentiment_score":0.20383987222847186},{"text":"They do do they do tend to do quite well.","start":323.81,"end":326.39,"sentiment":"positive","sentiment_score":0.344107112288475}],"sentiment":"neutral","sentiment_score":0.2162583228200674,"num_words":40,"start":316.05,"end":326.39},{"sentences":[{"text":"However, there's no guarantees they're gonna outperform against the market.","start":326.665,"end":329.785,"sentiment":"neutral","sentiment_score":0.12590854316949845},{"text":"So if you like, what I could maybe look at doing is something a bit more passive.","start":329.785,"end":333.48502,"sentiment":"neutral","sentiment_score":0.093367098885424},{"text":"Look at a passive manager that provides maybe more diversification to help manage risk a little bit more, look at how that performs, but also look at maybe reducing some of the investment fees for you as well.","start":333.865,"end":344.02,"sentiment":"neutral","sentiment_score":0.12069466739500824},{"text":"Does that sound like a good idea?","start":344.02,"end":345.72,"sentiment":"neutral","sentiment_score":0.2179578116961888},{"text":"Yep.","start":347.06,"end":347.56,"sentiment":"neutral","sentiment_score":0.18101143836975095}],"sentiment":"neutral","sentiment_score":0.12519780265754216,"num_words":73,"start":326.665,"end":347.56},{"sentences":[{"text":"All good.","start":348.9,"end":349.72,"sentiment":"positive","sentiment_score":0.43371786177158356},{"text":"No worries.","start":350.1,"end":350.74,"sentiment":"neutral","sentiment_score":0.18123529851436615},{"text":"I've got a couple of options I'm looking at.","start":350.74,"end":352.66,"sentiment":"neutral","sentiment_score":0.1232291493150923},{"text":"I'll go back and just sort of review them more, look at how they work with the portfolio, look at what sort of fee savings it might help you out with.","start":352.66,"end":360.945,"sentiment":"neutral","sentiment_score":0.1466052529792632},{"text":"The other thing I do look at is obviously the capital gains consequences.","start":361.645,"end":365.185,"sentiment":"neutral","sentiment_score":0.043669390850342236}],"sentiment":"neutral","sentiment_score":0.13072690504946208,"num_words":57,"start":348.9,"end":365.185},{"sentences":[{"text":"So your super fund, like you you do every year, does a tax return.","start":365.405,"end":369.185,"sentiment":"neutral","sentiment_score":0.055066190260861604},{"text":"So any, you know, changes to investments and switches and things does have a tax consequence for your funds.","start":369.65,"end":375.16998,"sentiment":"neutral","sentiment_score":-0.0009784124987690073},{"text":"So I'll go back and review that.","start":375.16998,"end":376.94998,"sentiment":"neutral","sentiment_score":0.02867266003574644},{"text":"I'll update the advice for you.","start":377.49,"end":379.72998,"sentiment":"neutral","sentiment_score":0.07657238344351451},{"text":"I'll just do an investment switch advice document to make it easier for you, and I'll outline the advantages and disadvantages, what we're gonna replace, and, obviously, the changes in the fees and any CGT consequence that might be might be as a result of the switch for you.","start":379.72998,"end":394.535,"sentiment":"neutral","sentiment_score":0.06639739623939504}],"sentiment":"neutral","sentiment_score":0.049115285924390746,"num_words":95,"start":365.405,"end":394.535},{"sentences":[{"text":"Does that sound okay?","start":394.535,"end":395.755,"sentiment":"neutral","sentiment_score":0.06391246523708105},{"text":"Yes?","start":396.215,"end":396.715,"sentiment":"neutral","sentiment_score":0.08442023396492004},{"text":"Beautiful.","start":397.175,"end":397.675,"sentiment":"positive","sentiment_score":0.5747900605201721},{"text":"Excellent.","start":398.67,"end":399.17,"sentiment":"positive","sentiment_score":0.6035502552986145},{"text":"Lovely.","start":399.31,"end":399.81,"sentiment":"positive","sentiment_score":0.4549181461334229}],"sentiment":"neutral","sentiment_score":0.24666606960818172,"num_words":8,"start":394.535,"end":399.81},{"sentences":[{"text":"Mhmm.","start":404.35,"end":404.85,"sentiment":"neutral","sentiment_score":0.03055962547659874},{"text":"It is yes.","start":408.35,"end":409.87,"sentiment":"neutral","sentiment_score":0.0023309492195645967},{"text":"No.","start":409.87,"end":410.11002,"sentiment":"neutral","sentiment_score":-0.009512175805866718},{"text":"That's net of all fees, including our ongoing service fee.","start":410.11002,"end":413.23,"sentiment":"neutral","sentiment_score":0.02274959571659565},{"text":"Correct.","start":413.23,"end":413.63,"sentiment":"neutral","sentiment_score":0.05179545283317566}],"sentiment":"neutral","sentiment_score":0.019208231708034873,"num_words":16,"start":404.35,"end":413.63},{"sentences":[{"text":"Yeah.","start":413.63,"end":414.13,"sentiment":"neutral","sentiment_score":0.04570244997739792},{"text":"Yep.","start":415.685,"end":416.185,"sentiment":"neutral","sentiment_score":0.056805383414030075},{"text":"Absolutely.","start":417.36502,"end":417.86502,"sentiment":"neutral","sentiment_score":0.1799013316631317},{"text":"Yeah.","start":418.08502,"end":418.48502,"sentiment":"neutral","sentiment_score":0.12827131152153015},{"text":"Definitely.","start":418.48502,"end":418.98502,"sentiment":"neutral","sentiment_score":0.17513315379619598}],"sentiment":"neutral","sentiment_score":0.11716272607445717,"num_words":5,"start":413.63,"end":418.98502},{"sentences":[{"text":"Yeah.","start":419.525,"end":420.025,"sentiment":"neutral","sentiment_score":0.22704702615737915},{"text":"All good.","start":421.125,"end":421.945,"sentiment":"positive","sentiment_score":0.4435574859380722},{"text":"No.","start":422.405,"end":422.64502,"sentiment":"neutral","sentiment_score":0.23190277814865112},{"text":"That's a good easy easy done.","start":422.64502,"end":424.905,"sentiment":"positive","sentiment_score":0.5902810096740723},{"text":"We certainly hope it doesn't you're right.","start":425.045,"end":427.045,"sentiment":"neutral","sentiment_score":-0.04906642037842955}],"sentiment":"neutral","sentiment_score":0.26731093479868245,"num_words":17,"start":419.525,"end":427.045},{"sentences":[{"text":"Sorry.","start":427.045,"end":427.545,"sentiment":"neutral","sentiment_score":-0.07277049869298935},{"text":"Yeah.","start":435.67,"end":436.07,"sentiment":"neutral","sentiment_score":0.023752260953187943},{"text":"I absolutely do.","start":436.07,"end":437.53,"sentiment":"neutral","sentiment_score":0.037695806473493576},{"text":"Yep.","start":441.35,"end":441.67,"sentiment":"neutral","sentiment_score":0.04306921362876892},{"text":"Sure do.","start":441.67,"end":442.23,"sentiment":"neutral","sentiment_score":0.08035027980804443}],"sentiment":"neutral","sentiment_score":0.03347986936569214,"num_words":8,"start":427.045,"end":442.23},{"sentences":[{"text":"So it's almost three years here at the moment there.","start":442.23,"end":444.945,"sentiment":"neutral","sentiment_score":0.036715939082205294},{"text":"And when I look at the return net, you've made 34.79%.","start":445.025,"end":450.70502,"sentiment":"neutral","sentiment_score":0.06325522810220718},{"text":"So it's averaged a compounded rate of return of 11.59 per year.","start":450.70502,"end":457.025,"sentiment":"neutral","sentiment_score":0.06133867986500263},{"text":"Yeah.","start":457.025,"end":457.525,"sentiment":"neutral","sentiment_score":0.09557840973138808},{"text":"And I've actually got the dollar figure here for you as well.","start":458.13,"end":460.37,"sentiment":"neutral","sentiment_score":0.10396007200082143}],"sentiment":"neutral","sentiment_score":0.06830718113190454,"num_words":46,"start":442.23,"end":460.37},{"sentences":[{"text":"It's about a 100 and 35,000 that you've made in earnings.","start":460.37,"end":464.93,"sentiment":"neutral","sentiment_score":0.08408618142659013},{"text":"That's growth and income over the past three years, and that's net of fees as well.","start":464.93,"end":470.13,"sentiment":"neutral","sentiment_score":0.1078568883240223},{"text":"So, yeah, it's done really well.","start":470.13,"end":471.65,"sentiment":"positive","sentiment_score":0.3592221836249034},{"text":"Happy with that.","start":471.65,"end":472.71,"sentiment":"positive","sentiment_score":0.4251733918984731},{"text":"Easy.","start":474.545,"end":475.045,"sentiment":"neutral","sentiment_score":0.2918983995914459}],"sentiment":"neutral","sentiment_score":0.1722543212408955,"num_words":37,"start":460.37,"end":475.045},{"sentences":[{"text":"Perfect.","start":475.90503,"end":476.385,"sentiment":"positive","sentiment_score":0.508648157119751},{"text":"So I'll make sure that these documents are attached in that annual review pack there for you.","start":476.385,"end":480.70502,"sentiment":"neutral","sentiment_score":0.14446041995988174},{"text":"If you find you have additional questions, let me know.","start":480.70502,"end":482.785,"sentiment":"neutral","sentiment_score":0.07490450702607632},{"text":"But I'm personally really happy with how things have gone for VDE.","start":482.785,"end":486.24503,"sentiment":"positive","sentiment_score":0.3438589995106061},{"text":"It is really important I do note, though, that we have seen a bit of volatility this year.","start":486.71002,"end":490.71002,"sentiment":"neutral","sentiment_score":-0.11997403639058273}],"sentiment":"neutral","sentiment_score":0.09793613285853944,"num_words":58,"start":475.90503,"end":490.71002},{"sentences":[{"text":"We do not know what's gonna happen next year.","start":490.71002,"end":492.79,"sentiment":"neutral","sentiment_score":-0.18291705515649584},{"text":"We have certainly been speaking to some of the economists out there to see what's been going on, what they expect to happen.","start":492.79,"end":499.37003,"sentiment":"neutral","sentiment_score":-0.106536240681358},{"text":"Unfortunately, inflation is expected to kind of have a bit of an increase over the next few months as well.","start":499.67,"end":505.045,"sentiment":"neutral","sentiment_score":-0.2153918944299221},{"text":"I don't really like the idea of that.","start":505.905,"end":507.845,"sentiment":"neutral","sentiment_score":-0.22514125891029835},{"text":"But if there is a bit of an increase to inflationary pressures, it does mean that we could see some more volatility in the market.","start":508.46503,"end":515.125,"sentiment":"neutral","sentiment_score":-0.14386057555675508}],"sentiment":"neutral","sentiment_score":-0.1623772868338753,"num_words":85,"start":490.71002,"end":515.125},{"sentences":[{"text":"But, overall, you've done really well.","start":516.23,"end":518.23,"sentiment":"neutral","sentiment_score":0.2473031555612882},{"text":"So the other thing to kinda point out, and just to make sure that I'm being open and honest with you, is as your balance increases remaining in that high growth environment there, you will notice that smaller fluctuations feel a lot bigger on your super balance.","start":518.23,"end":531.33496,"sentiment":"neutral","sentiment_score":0.08049883075216983},{"text":"And in the shorter term, if we see those, you know, fluctuations continue, a one or two or 3% change in your portfolio, you might feel that in the short term a little bit.","start":531.33496,"end":541.175,"sentiment":"neutral","sentiment_score":-0.0742313532049165},{"text":"So please reach out if you are concerned or have any questions in relation to it, but I just want to make sure that everyone who is in that high growth environment does kind of is aware that, you know, reductions or pullbacks in the performance or in the in the market in the short term does affect everybody, but it's about waiting through those downtimes and coming out on the other side there.","start":541.175,"end":562.78503,"sentiment":"neutral","sentiment_score":0.01675066164367505},{"text":"And if you ever find you're not comfortable being in that kind of high growth environment, please do let me know.","start":562.78503,"end":567.585,"sentiment":"neutral","sentiment_score":-0.16524593567564375}],"sentiment":"neutral","sentiment_score":0.0028174850670109083,"num_words":182,"start":516.23,"end":567.585},{"sentences":[{"text":"I'm more than happy to talk you through it or reassess that level with you as well.","start":567.585,"end":571.55,"sentiment":"positive","sentiment_score":0.3785017614855486},{"text":"Okay?","start":571.61,"end":572.11,"sentiment":"neutral","sentiment_score":0.06598927080631256},{"text":"Absolutely.","start":578.00995,"end":578.50995,"sentiment":"neutral","sentiment_score":0.10175926983356476},{"text":"Yeah.","start":583.835,"end":584.335,"sentiment":"neutral","sentiment_score":-0.06366485357284546},{"text":"Yeah.","start":586.155,"end":586.655,"sentiment":"neutral","sentiment_score":-0.05376284569501877}],"sentiment":"neutral","sentiment_score":0.30880241841077805,"num_words":21,"start":567.585,"end":586.655},{"sentences":[{"text":"Absolutely.","start":589.195,"end":589.435,"sentiment":"neutral","sentiment_score":-0.05832786113023758},{"text":"Look.","start":589.435,"end":589.67505,"sentiment":"neutral","sentiment_score":-0.13629665970802307},{"text":"It's it's a positive and a negative.","start":589.67505,"end":591.455,"sentiment":"neutral","sentiment_score":-0.22723668813705444},{"text":"A long time of work means you've gotta do more work, unfortunately.","start":591.59503,"end":594.655,"sentiment":"neutral","sentiment_score":-0.10191999647455911},{"text":"However, you do have a lot more time to allow your portfolio to come pan for longer, so it's absolutely fine.","start":594.875,"end":600.28,"sentiment":"neutral","sentiment_score":0.05348636617972737}],"sentiment":"neutral","sentiment_score":-0.04488351442185896,"num_words":42,"start":589.195,"end":600.28},{"sentences":[{"text":"I just like to sort of bring those things up because I am sort of finding this year a lot of people who, you know, the last few years have wanted to say high growth this year, have been have been a little bit more nervous about it.","start":600.82,"end":610.42,"sentiment":"neutral","sentiment_score":-0.0039020851254463196},{"text":"So I've been having a lot of very honest conversations with people from all works walks of life as well.","start":610.42,"end":616.50494,"sentiment":"positive","sentiment_score":0.35998776704072954},{"text":"I feel like you're probably a bit more versed than most people are in relation to the markets and how things work, and it's just, you know, making sure that everyone's comfortable with that level and noting that you don't have to wait for the annual review.","start":616.88495,"end":629.57,"sentiment":"positive","sentiment_score":0.3777985759872071},{"text":"If you're ever concerned, pick up the phone or let me know.","start":629.57,"end":632.53,"sentiment":"neutral","sentiment_score":0.2074591207007567},{"text":"I'll make time to come and have a chat with you, and we can always review the portfolio to review, you know, your risk level at any point in time as well.","start":632.53,"end":641.01,"sentiment":"neutral","sentiment_score":0.15079978783614933}],"sentiment":"neutral","sentiment_score":0.20178673575696704,"num_words":159,"start":600.82,"end":641.01},{"sentences":[{"text":"Okay?","start":641.01,"end":641.51,"sentiment":"neutral","sentiment_score":0.04348792880773544},{"text":"Yep.","start":642.635,"end":643.11505,"sentiment":"neutral","sentiment_score":0.1475750207901001},{"text":"Perfect.","start":643.11505,"end":643.61505,"sentiment":"positive","sentiment_score":0.3834444582462311},{"text":"All good.","start":645.35504,"end":646.17505,"sentiment":"positive","sentiment_score":0.3483132869005203},{"text":"With that, sir, you're happy to stay in that high growth environment for the moment.","start":646.395,"end":649.515,"sentiment":"positive","sentiment_score":0.5464195549488068}],"sentiment":"positive","sentiment_score":0.4733713652938604,"num_words":20,"start":641.01,"end":649.515},{"sentences":[{"text":"I mean, realistically, you do have the time horizon ahead of you.","start":649.515,"end":652.955,"sentiment":"neutral","sentiment_score":0.28580591330925625},{"text":"As you said, you're only 37 in September, so you've got a bit of time before you're able to access Super at this stage.","start":652.955,"end":659.41003,"sentiment":"neutral","sentiment_score":0.16111815441399813},{"text":"Capacity wise, you've got time to wade through the downtime without sort of worrying or having to take money out there at the moment, and you are working, and you're a good high income earner as well.","start":660.51,"end":670.845,"sentiment":"neutral","sentiment_score":0.3251921039175343},{"text":"So your contributions going in do also provide that greater benefit to your super.","start":670.845,"end":675.985,"sentiment":"positive","sentiment_score":0.4691750279494694},{"text":"I'm comfortable keeping you in that high growth environment for the time being as long as you're comfortable to stay there.","start":676.605,"end":681.90497,"sentiment":"positive","sentiment_score":0.48925720084281193}],"sentiment":"positive","sentiment_score":0.3349209825887724,"num_words":108,"start":649.515,"end":681.90497},{"sentences":[{"text":"Yep.","start":683.34,"end":683.82,"sentiment":"neutral","sentiment_score":0.16844022274017334},{"text":"Perfect.","start":683.82,"end":684.32,"sentiment":"positive","sentiment_score":0.5487945079803467},{"text":"Excellent.","start":684.54,"end":685.04,"sentiment":"positive","sentiment_score":0.5862106680870056},{"text":"All good.","start":685.42,"end":686.16003,"sentiment":"positive","sentiment_score":0.4709707796573639},{"text":"The other thing I do like to look at is the insurances.","start":686.7,"end":688.96,"sentiment":"neutral","sentiment_score":-0.02709278604015708}],"sentiment":"neutral","sentiment_score":0.11295726621413932,"num_words":17,"start":683.34,"end":688.96},{"sentences":[{"text":"So I know last year, we did go ahead and cancel your income protection.","start":689.1,"end":692.62,"sentiment":"neutral","sentiment_score":-0.10596050322055817},{"text":"You sorta didn't wanna keep paying for that any longer.","start":692.62,"end":695.12,"sentiment":"neutral","sentiment_score":-0.16448117569088935},{"text":"With the licensed EPD benefit you still have, it does give you a benefit or your your sorry.","start":696.065,"end":701.825,"sentiment":"neutral","sentiment_score":0.118731244156758},{"text":"The benefit you're covered for is a million and 62 and 810.","start":701.825,"end":705.905,"sentiment":"neutral","sentiment_score":0.11005960591137409},{"text":"So it has gone up a little bit from last year.","start":705.905,"end":708.16504,"sentiment":"neutral","sentiment_score":0.15597615120085803}],"sentiment":"neutral","sentiment_score":0.03146702349185944,"num_words":65,"start":689.1,"end":708.16504},{"sentences":[{"text":"You premium was you paid about 1,177 this year for that one.","start":708.865,"end":715.1,"sentiment":"neutral","sentiment_score":0.08148941894372304},{"text":"Thinking about sort of the life and CBD benefit that you're covered for at the moment with one pass, are you fairly happy with that?","start":715.32,"end":721.63995,"sentiment":"neutral","sentiment_score":0.12560203045606613},{"text":"Did you wanna kind of look at altering that in any way, shape, or form?","start":721.63995,"end":725.01996,"sentiment":"neutral","sentiment_score":0.05204080417752266},{"text":"No.","start":735.385,"end":735.545,"sentiment":"neutral","sentiment_score":-0.15212416648864746},{"text":"You're alright.","start":735.545,"end":736.265,"sentiment":"neutral","sentiment_score":-0.1292935386300087}],"sentiment":"neutral","sentiment_score":0.08159681104800919,"num_words":55,"start":708.865,"end":736.265},{"sentences":[{"text":"I wouldn't sort of honestly, one pass, and the amount you're paying for these is the cheapest you'll get for the type of cover that you've got.","start":736.265,"end":743.3,"sentiment":"neutral","sentiment_score":-0.09299472153738693},{"text":"It's more just about whether you kinda wanted to increase or decrease it at all.","start":743.6,"end":747.3,"sentiment":"neutral","sentiment_score":-0.012646637298166752},{"text":"Realistically, the premium you're paying is actually very, very good for the level of cover you've got.","start":748.08,"end":753.84,"sentiment":"positive","sentiment_score":0.639347576043185},{"text":"I've seen people who have less cover pay a lot more for for premiums.","start":753.84,"end":758.555,"sentiment":"neutral","sentiment_score":0.07101953402161598},{"text":"So one path is definitely the most competitive premium wise out there, especially then if you've got an older policy too.","start":758.615,"end":764.935,"sentiment":"neutral","sentiment_score":0.23319764878778232}],"sentiment":"neutral","sentiment_score":0.14957208353827925,"num_words":94,"start":736.265,"end":764.935},{"sentences":[{"text":"Any newer policies would definitely cost a little bit more with the the changes that come in every year to the insurance companies.","start":764.935,"end":772.32,"sentiment":"neutral","sentiment_score":0.010450115670328554},{"text":"So I wouldn't wanna sort of just change the cover if you are comfortable with the amount of cover you have just because it would increase the cost of it.","start":772.38,"end":780.48004,"sentiment":"neutral","sentiment_score":-0.005256361234933138},{"text":"But did you wanna reevaluate the level?","start":780.62,"end":783.115,"sentiment":"neutral","sentiment_score":0.02558277440922601},{"text":"Are you happy with the, you know, a million and 62 that you've got?","start":783.115,"end":786.57495,"sentiment":"neutral","sentiment_score":0.062346109588231356},{"text":"Yes?","start":788.875,"end":789.375,"sentiment":"neutral","sentiment_score":0.16677981615066528}],"sentiment":"neutral","sentiment_score":0.017351554594933986,"num_words":75,"start":764.935,"end":789.375},{"sentences":[{"text":"Excellent.","start":789.995,"end":790.495,"sentiment":"positive","sentiment_score":0.4556344151496887},{"text":"All good.","start":790.63495,"end":791.375,"sentiment":"positive","sentiment_score":0.4082533121109009},{"text":"I can see here with you.","start":791.675,"end":793.08,"sentiment":"neutral","sentiment_score":-0.06896989606320858},{"text":"No.","start":793.96,"end":794.28,"sentiment":"neutral","sentiment_score":-0.09370510280132294},{"text":"No.","start":794.28,"end":794.76,"sentiment":"neutral","sentiment_score":-0.09596694260835648}],"sentiment":"neutral","sentiment_score":0.06078632887114178,"num_words":11,"start":789.995,"end":794.76},{"sentences":[{"text":"Well, the CBD is probably more you.","start":794.76,"end":797.34,"sentiment":"neutral","sentiment_score":-0.08479033038020134},{"text":"Yes.","start":802.60004,"end":803.10004,"sentiment":"neutral","sentiment_score":0.009458242915570736},{"text":"No.","start":803.72003,"end":803.88,"sentiment":"neutral","sentiment_score":-0.02513803169131279},{"text":"No.","start":803.88,"end":804.12,"sentiment":"neutral","sentiment_score":-0.020518748089671135},{"text":"You're fine.","start":804.12,"end":804.76,"sentiment":"neutral","sentiment_score":0.053079595789313316}],"sentiment":"neutral","sentiment_score":-0.04363097149568299,"num_words":12,"start":794.76,"end":804.76},{"sentences":[{"text":"You are absolutely fine.","start":804.76,"end":806.055,"sentiment":"neutral","sentiment_score":0.20384085550904274},{"text":"Don't worry.","start":806.135,"end":806.455,"sentiment":"neutral","sentiment_score":0.07713663950562477},{"text":"I've heard it all.","start":806.455,"end":807.255,"sentiment":"neutral","sentiment_score":0.046057011000812054},{"text":"I've got clients who I talk about life with and all the bits and pieces, and they go, oh, it's not even gonna bother me.","start":807.255,"end":812.055,"sentiment":"neutral","sentiment_score":0.027353725880384445},{"text":"I don't even care.","start":812.055,"end":813.035,"sentiment":"neutral","sentiment_score":-0.06961239501833916}],"sentiment":"neutral","sentiment_score":0.039980982358639054,"num_words":39,"start":804.76,"end":813.035},{"sentences":[{"text":"Yeah.","start":816.935,"end":817.415,"sentiment":"neutral","sentiment_score":0.11099317669868468},{"text":"I'm sure you do.","start":817.415,"end":818.71497,"sentiment":"neutral","sentiment_score":0.13936085999011993},{"text":"All good.","start":821.0,"end":821.66,"sentiment":"neutral","sentiment_score":0.29288624227046967},{"text":"With the with the mortgage and the property, I have it noted here that you have roughly about a 100,000 owing there, but you guys have it offset pretty well, don't you?","start":821.88,"end":831.1,"sentiment":"neutral","sentiment_score":0.057660357910208404},{"text":"Yep.","start":832.52,"end":833.02,"sentiment":"neutral","sentiment_score":0.04861737787723541}],"sentiment":"neutral","sentiment_score":0.0786989483051002,"num_words":40,"start":816.935,"end":833.02},{"sentences":[{"text":"Yep.","start":836.345,"end":836.845,"sentiment":"neutral","sentiment_score":0.0448983870446682},{"text":"Yep.","start":837.305,"end":837.805,"sentiment":"neutral","sentiment_score":0.03839846700429917},{"text":"I believe you only sort of technically owe about, what, 2,000 on the mortgage?","start":840.105,"end":844.52496,"sentiment":"neutral","sentiment_score":-0.012614477159721511},{"text":"Yes.","start":845.94495,"end":846.44495,"sentiment":"neutral","sentiment_score":0.020270202308893204},{"text":"Yeah.","start":851.54,"end":851.69995,"sentiment":"neutral","sentiment_score":0.07293495535850525}],"sentiment":"neutral","sentiment_score":-5.592695540852017e-6,"num_words":18,"start":836.345,"end":851.69995},{"sentences":[{"text":"Yeah.","start":851.69995,"end":852.1,"sentiment":"neutral","sentiment_score":0.11614446341991425},{"text":"Absolutely.","start":852.1,"end":852.6,"sentiment":"neutral","sentiment_score":0.04313201457262039},{"text":"It's it's the servicing of it.","start":852.74,"end":854.18,"sentiment":"neutral","sentiment_score":0.07631004850069682},{"text":"It's it's there.","start":854.18,"end":854.89996,"sentiment":"neutral","sentiment_score":0.11675223459800084},{"text":"You've got the money if you need it in case something comes out without having to go back to the rigmarole of servicing again.","start":854.89996,"end":860.25995,"sentiment":"neutral","sentiment_score":0.09709968821456035}],"sentiment":"neutral","sentiment_score":0.09422245685543333,"num_words":35,"start":851.69995,"end":860.25995},{"sentences":[{"text":"I get it.","start":860.25995,"end":861.07996,"sentiment":"neutral","sentiment_score":0.16907894611358643},{"text":"Fantastic.","start":862.73505,"end":863.23505,"sentiment":"positive","sentiment_score":0.6994415521621704},{"text":"With the property there, I've got a an estimated asset value of that 1,200,000.","start":864.09503,"end":869.375,"sentiment":"neutral","sentiment_score":0.23180161522967474},{"text":"Would you alter or change that at all?","start":869.375,"end":871.635,"sentiment":"neutral","sentiment_score":0.09485983196645975},{"text":"About that?","start":873.695,"end":874.335,"sentiment":"neutral","sentiment_score":0.019943589344620705}],"sentiment":"neutral","sentiment_score":0.187523815647832,"num_words":28,"start":860.25995,"end":874.335},{"sentences":[{"text":"Perfect.","start":874.335,"end":874.835,"sentiment":"neutral","sentiment_score":0.29684221744537354},{"text":"I've also got the Ford Ranger asset value 65,000.","start":875.69,"end":879.95,"sentiment":"neutral","sentiment_score":0.05840524327423838},{"text":"That's okay.","start":883.77,"end":884.59,"sentiment":"neutral","sentiment_score":0.045811694115400314},{"text":"You're right.","start":886.17,"end":886.81,"sentiment":"neutral","sentiment_score":0.13764329627156258},{"text":"All good.","start":886.81,"end":887.37,"sentiment":"neutral","sentiment_score":0.3273977190256119}],"sentiment":"neutral","sentiment_score":0.11526217660866678,"num_words":16,"start":874.335,"end":887.37},{"sentences":[{"text":"And then the Mazda three with an asset value roughly of 2,000.","start":887.37,"end":891.245,"sentiment":"neutral","sentiment_score":0.03973216377198696},{"text":"All good.","start":896.345,"end":897.165,"sentiment":"neutral","sentiment_score":0.18009305000305176},{"text":"No.","start":899.945,"end":900.185,"sentiment":"neutral","sentiment_score":-0.011558383703231812},{"text":"Is it the one you drive to work?","start":900.185,"end":901.705,"sentiment":"neutral","sentiment_score":-0.010748606058768928},{"text":"I believe it says it's the one you guys you drive.","start":901.705,"end":904.185,"sentiment":"neutral","sentiment_score":0.0021703005980022922}],"sentiment":"neutral","sentiment_score":0.022449945284546736,"num_words":34,"start":887.37,"end":904.185},{"sentences":[{"text":"Yeah.","start":904.185,"end":904.685,"sentiment":"neutral","sentiment_score":0.020811308175325394},{"text":"No.","start":905.945,"end":906.445,"sentiment":"neutral","sentiment_score":0.0011362843215465546},{"text":"Nice.","start":908.24,"end":908.39996,"sentiment":"positive","sentiment_score":0.36534255743026733},{"text":"Nice.","start":908.39996,"end":908.89996,"sentiment":"neutral","sentiment_score":0.2844444513320923},{"text":"And then you've still got the caravan there as well, roughly valued at 95,000.","start":909.27997,"end":913.62,"sentiment":"neutral","sentiment_score":0.07919677320335593}],"sentiment":"neutral","sentiment_score":0.09891607922812302,"num_words":18,"start":904.185,"end":913.62},{"sentences":[{"text":"Yep.","start":915.44,"end":915.83997,"sentiment":"neutral","sentiment_score":0.1173788458108902},{"text":"Beautiful.","start":915.83997,"end":916.33997,"sentiment":"neutral","sentiment_score":0.3172684907913208},{"text":"And then content, rough valuation on content is about 126,000.","start":916.39996,"end":922.075,"sentiment":"neutral","sentiment_score":0.05481268502771854},{"text":"Is that right?","start":922.075,"end":922.97504,"sentiment":"neutral","sentiment_score":0.04203121984998385},{"text":"Yeah.","start":924.395,"end":924.895,"sentiment":"neutral","sentiment_score":-0.02249556966125965}],"sentiment":"neutral","sentiment_score":0.06789826729800552,"num_words":16,"start":915.44,"end":924.895},{"sentences":[{"text":"That's okay.","start":925.515,"end":926.335,"sentiment":"neutral","sentiment_score":-0.024065615609288216},{"text":"Yeah.","start":926.79504,"end":927.115,"sentiment":"neutral","sentiment_score":-0.031330764293670654},{"text":"That yeah.","start":927.115,"end":929.455,"sentiment":"neutral","sentiment_score":-0.05946869216859341},{"text":"It's a bit difficult with content because, realistically, when you think about it, if you tip your house upside down, everything falls out.","start":929.515,"end":935.46,"sentiment":"neutral","sentiment_score":-0.15932735217654187},{"text":"The cost of replacing that could be different depending on where you shop, what you buy, what you want, you how many kids you've got.","start":935.54004,"end":941.14,"sentiment":"neutral","sentiment_score":-0.020277673564851283}],"sentiment":"neutral","sentiment_score":-0.08245038337794677,"num_words":53,"start":925.515,"end":941.14},{"sentences":[{"text":"There's so many other factors there.","start":941.14,"end":942.82,"sentiment":"neutral","sentiment_score":-0.004936118920644124},{"text":"So yeah.","start":942.82,"end":943.72003,"sentiment":"neutral","sentiment_score":0.07484686933457851},{"text":"Perfect.","start":944.98004,"end":945.48004,"sentiment":"neutral","sentiment_score":0.2509145438671112},{"text":"Other than that, income wise, we had you earning about 180,000 last year.","start":946.42004,"end":951.675,"sentiment":"neutral","sentiment_score":0.043565866035910755},{"text":"Have you had I know you said you weren't sure about the pay rise, but any pay rises recently or coming up?","start":951.675,"end":956.815,"sentiment":"neutral","sentiment_score":-0.022472137669948013}],"sentiment":"neutral","sentiment_score":0.01006729088046334,"num_words":44,"start":941.14,"end":956.815},{"sentences":[{"text":"Oh, fantastic.","start":959.995,"end":960.815,"sentiment":"positive","sentiment_score":0.5492854714393616},{"text":"Yep.","start":962.715,"end":963.115,"sentiment":"positive","sentiment_score":0.4109658896923065},{"text":"Beautiful.","start":963.115,"end":963.615,"sentiment":"positive","sentiment_score":0.6758372783660889},{"text":"Well, you're definitely worth more.","start":963.675,"end":965.215,"sentiment":"positive","sentiment_score":0.5700552821159363},{"text":"All good.","start":969.68,"end":970.5,"sentiment":"positive","sentiment_score":0.3501126766204834}],"sentiment":"positive","sentiment_score":0.5214432613416151,"num_words":11,"start":959.995,"end":970.5},{"sentences":[{"text":"No.","start":972.88,"end":973.38,"sentiment":"neutral","sentiment_score":-0.018284328281879425},{"text":"Yeah.","start":973.68,"end":974.0,"sentiment":"neutral","sentiment_score":0.029203087091445923},{"text":"No.","start":974.0,"end":974.16003,"sentiment":"neutral","sentiment_score":-0.0061679743230342865},{"text":"That's perfect.","start":974.16003,"end":974.96,"sentiment":"positive","sentiment_score":0.3630087077617645},{"text":"And I've got down here that you're managing to save roughly about 250 per week.","start":974.96,"end":979.36005,"sentiment":"neutral","sentiment_score":0.1667507454752922}],"sentiment":"neutral","sentiment_score":0.1616014691069722,"num_words":20,"start":972.88,"end":979.36005},{"sentences":[{"text":"Are you still finding to that right, or is it a bit tougher with the way everything costs?","start":979.36005,"end":983.825,"sentiment":"neutral","sentiment_score":-0.023236126742429204},{"text":"Yeah.","start":987.965,"end":988.465,"sentiment":"neutral","sentiment_score":0.10698263347148897},{"text":"Yeah.","start":989.085,"end":989.585,"sentiment":"neutral","sentiment_score":0.01949084922671318},{"text":"That's okay.","start":990.765,"end":991.585,"sentiment":"neutral","sentiment_score":0.09911652654409409},{"text":"Yeah.","start":992.365,"end":992.865,"sentiment":"neutral","sentiment_score":0.09898895025253296}],"sentiment":"neutral","sentiment_score":0.00023674802935641745,"num_words":23,"start":979.36005,"end":992.865},{"sentences":[{"text":"Yep.","start":994.37,"end":994.77,"sentiment":"neutral","sentiment_score":0.087082140147686},{"text":"That's okay.","start":994.77,"end":995.65,"sentiment":"neutral","sentiment_score":0.13663915544748306},{"text":"Not a problem at all.","start":995.65,"end":997.03,"sentiment":"neutral","sentiment_score":0.16313839554786683},{"text":"Having a look at your beneficiaries.","start":997.81,"end":1000.31,"sentiment":"neutral","sentiment_score":0.04051635103921095},{"text":"Now I can see we have sent out some beneficiary forms to you, but it looks like we still don't have them returned.","start":1000.37,"end":1005.33,"sentiment":"neutral","sentiment_score":-0.015528352931141853}],"sentiment":"neutral","sentiment_score":0.028702659935161873,"num_words":37,"start":994.37,"end":1005.33},{"sentences":[{"text":"So we don't actually have beneficiary nominations placed on your three for your one pass policy at the moment.","start":1005.33,"end":1010.285,"sentiment":"neutral","sentiment_score":-0.07146558224370606},{"text":"I do wanna try and get those applied, so I wanna help you to have those completed.","start":1010.505,"end":1014.445,"sentiment":"neutral","sentiment_score":0.08979039036614053},{"text":"Are you okay yeah.","start":1015.46497,"end":1017.065,"sentiment":"neutral","sentiment_score":0.04723624140024185},{"text":"Is you okay if we pre fill them all for you?","start":1017.065,"end":1019.945,"sentiment":"neutral","sentiment_score":0.060034089467742226},{"text":"I obviously wanna double check that you do want Jackie as your beneficiary on your super and your life cover.","start":1019.945,"end":1022.265,"sentiment":"neutral","sentiment_score":0.07615031078457832}],"sentiment":"neutral","sentiment_score":0.03578755970467144,"num_words":71,"start":1005.33,"end":1022.265},{"sentences":[{"text":"Yep.","start":1022.265,"end":1022.765,"sentiment":"neutral","sentiment_score":0.06521129608154297},{"text":"Super annual life cover.","start":1025.65,"end":1027.0901,"sentiment":"neutral","sentiment_score":0.14867830276489258},{"text":"Yep.","start":1027.0901,"end":1027.5901,"sentiment":"neutral","sentiment_score":0.09438440203666688},{"text":"Beautiful.","start":1028.53,"end":1029.03,"sentiment":"neutral","sentiment_score":0.2972294092178345},{"text":"That's okay.","start":1029.89,"end":1030.61,"sentiment":"neutral","sentiment_score":0.18713323026895523}],"sentiment":"neutral","sentiment_score":0.15842275321483612,"num_words":9,"start":1022.265,"end":1030.61},{"sentences":[{"text":"If you if you're comfortable and you approve it, I can get my team to prefill the information.","start":1030.61,"end":1034.63,"sentiment":"neutral","sentiment_score":0.13261300863491166},{"text":"We obviously do have all of Jackie's details.","start":1034.6901,"end":1036.87,"sentiment":"neutral","sentiment_score":0.12322807777673006},{"text":"So we can prefill it for you and send it out, and then you've just gotta sign sorry.","start":1036.93,"end":1043.115,"sentiment":"neutral","sentiment_score":0.08036127396755749},{"text":"Yeah.","start":1043.115,"end":1043.615,"sentiment":"neutral","sentiment_score":0.015059270896017551},{"text":"If we just gotta get it signed and witnessed, a witness just can't be Daphne as she'll be the beneficiary.","start":1045.995,"end":1050.895,"sentiment":"neutral","sentiment_score":0.004489791172090918}],"sentiment":"neutral","sentiment_score":0.07575718159070954,"num_words":65,"start":1030.61,"end":1050.895},{"sentences":[{"text":"But if you've got two mates or neighbors or, you know, brother or sister or mom or dad or or someone else that can just witness it for you the day you sign it, shoot them back to us in the post or email, and we will make sure they are applied for you.","start":1050.955,"end":1063.6201,"sentiment":"neutral","sentiment_score":0.04373717059691747},{"text":"Because it's something that I know we've been trying to do, and I wanna try and make sure that that's covered.","start":1063.6201,"end":1068.045,"sentiment":"neutral","sentiment_score":0.04016226867125148},{"text":"So if anything happens, having your super and your life insurance is one thing, but making sure she actually gets the money in the event that's having a curve would be another story.","start":1068.045,"end":1076.205,"sentiment":"neutral","sentiment_score":0.006300667131488974},{"text":"So beautiful.","start":1076.205,"end":1078.88,"sentiment":"positive","sentiment_score":0.6687365174293518},{"text":"I will make sure that is done, and I will get Michelle, my admin team member, to pre fill them.","start":1079.18,"end":1084.46,"sentiment":"neutral","sentiment_score":0.2832268975675106}],"sentiment":"neutral","sentiment_score":0.08011652196829136,"num_words":130,"start":1050.955,"end":1084.46},{"sentences":[{"text":"She'll send them out to you, and then she'll follow you up a little bit to make sure they come back as well.","start":1084.46,"end":1088.78,"sentiment":"neutral","sentiment_score":0.1989025363455648},{"text":"Okay?","start":1088.78,"end":1089.28,"sentiment":"neutral","sentiment_score":0.093526229262352},{"text":"Beautiful.","start":1091.375,"end":1091.875,"sentiment":"positive","sentiment_score":0.6678410768508911},{"text":"All good.","start":1092.095,"end":1092.835,"sentiment":"positive","sentiment_score":0.575534462928772},{"text":"Other than that, I've got it noted here that you guys do have a will and power of attorney.","start":1093.0549,"end":1096.8949,"sentiment":"neutral","sentiment_score":0.11555313201327073}],"sentiment":"neutral","sentiment_score":0.1887544364384983,"num_words":46,"start":1084.46,"end":1096.8949},{"sentences":[{"text":"Everything is up to date.","start":1096.8949,"end":1098.1749,"sentiment":"neutral","sentiment_score":0.14540473520755767},{"text":"Is that is that also reflective of your wishes?","start":1098.1749,"end":1100.6749,"sentiment":"neutral","sentiment_score":0.10180163714620802},{"text":"Yes.","start":1102.0149,"end":1102.495,"sentiment":"neutral","sentiment_score":0.23851364850997925},{"text":"Perfect.","start":1102.495,"end":1102.995,"sentiment":"positive","sentiment_score":0.6107016801834106},{"text":"Fantastic.","start":1103.375,"end":1103.875,"sentiment":"positive","sentiment_score":0.6888701915740967}],"sentiment":"neutral","sentiment_score":0.18713670180124395,"num_words":17,"start":1096.8949,"end":1103.875},{"sentences":[{"text":"Having a look, everything else looks pretty good.","start":1105.63,"end":1108.11,"sentiment":"positive","sentiment_score":0.6219782382249832},{"text":"I'll get the annual review pack out to you there.","start":1108.11,"end":1110.11,"sentiment":"positive","sentiment_score":0.3631149590015411},{"text":"It will have a copy of all the documents that I've gone through giving you the city of currency and also an update on your superannuation side of things with the so ongoing service agreement there as well.","start":1110.11,"end":1121.8049,"sentiment":"neutral","sentiment_score":0.21986700437570872},{"text":"So your ongoing service fee you pay to us is 1.1%.","start":1121.8049,"end":1125.985,"sentiment":"neutral","sentiment_score":0.058052342385053635},{"text":"That's per annum, and then it's deducted in smaller monthly increments.","start":1127.4049,"end":1130.5449,"sentiment":"neutral","sentiment_score":0.0625992590053515}],"sentiment":"neutral","sentiment_score":0.2344755035562393,"num_words":78,"start":1105.63,"end":1130.5449},{"sentences":[{"text":"It's the same as it was last year.","start":1130.605,"end":1132.125,"sentiment":"neutral","sentiment_score":0.0384827742818743},{"text":"I did try to reduce it a bit more, but, unfortunately, they wouldn't let me.","start":1132.125,"end":1136.1001,"sentiment":"neutral","sentiment_score":-0.24021545350551604},{"text":"I'm so sorry.","start":1136.1001,"end":1136.8201,"sentiment":"neutral","sentiment_score":-0.3028097450733185},{"text":"I'll keep trying.","start":1136.8201,"end":1137.8,"sentiment":"neutral","sentiment_score":-0.21670265992482504},{"text":"But, yeah, it says one point one zero.","start":1139.9401,"end":1141.9601,"sentiment":"neutral","sentiment_score":-0.027810938889160752}],"sentiment":"neutral","sentiment_score":-0.13719984687663414,"num_words":37,"start":1130.605,"end":1141.9601},{"sentences":[{"text":"Yeah.","start":1156.605,"end":1157.085,"sentiment":"neutral","sentiment_score":0.072697214782238},{"text":"The good thing about your ongoing it sounds really good.","start":1157.085,"end":1160.525,"sentiment":"neutral","sentiment_score":0.1739490248262882},{"text":"Unfortunately, I've gotta take it to my license fee.","start":1160.525,"end":1162.83,"sentiment":"negative","sentiment_score":-0.37852158149083454},{"text":"The good thing about the way the percentage fee works is that it does work in line with your super.","start":1163.3099,"end":1168.59,"sentiment":"positive","sentiment_score":0.6515439599752426},{"text":"So the more you make or the more of a return you get out of your super does mean the more that we make as well.","start":1168.59,"end":1174.4299,"sentiment":"positive","sentiment_score":0.6210485994815826}],"sentiment":"positive","sentiment_score":0.4179338790250547,"num_words":66,"start":1156.605,"end":1174.4299},{"sentences":[{"text":"And if to say we saw the market take a bit of a dip, it means that Outplay takes a bit of a dip with it as well.","start":1174.4299,"end":1179.4451,"sentiment":"neutral","sentiment_score":0.18153708933719567},{"text":"So it does work out to your benefit in that scenario there.","start":1179.4451,"end":1183.305,"sentiment":"positive","sentiment_score":0.4385913709799449},{"text":"But I know it's one thing that we did talk about last year, and I was like, look.","start":1183.525,"end":1186.405,"sentiment":"neutral","sentiment_score":0.06226177327334881},{"text":"I did go into bed.","start":1186.405,"end":1187.365,"sentiment":"neutral","sentiment_score":0.029016533121466636},{"text":"I did try.","start":1187.365,"end":1187.925,"sentiment":"neutral","sentiment_score":0.0425395363320907}],"sentiment":"neutral","sentiment_score":0.17787194161704092,"num_words":66,"start":1174.4299,"end":1187.925},{"sentences":[{"text":"They said no, and I get that.","start":1187.925,"end":1189.605,"sentiment":"neutral","sentiment_score":0.003086612160716738},{"text":"It's okay.","start":1189.605,"end":1190.3451,"sentiment":"neutral","sentiment_score":0.14566531032323837},{"text":"But I still wanna make sure things are working harder for you.","start":1190.74,"end":1193.22,"sentiment":"neutral","sentiment_score":-0.1118304127206405},{"text":"So as your adviser, if I find that things aren't working and our fees should not be applied, I will go into that, and I will fight a lot harder for you.","start":1193.22,"end":1200.98,"sentiment":"neutral","sentiment_score":-0.12131180730648339},{"text":"But right now, you're making money.","start":1200.98,"end":1202.74,"sentiment":"positive","sentiment_score":0.47559256851673126}],"sentiment":"neutral","sentiment_score":-0.03487204185734361,"num_words":59,"start":1187.925,"end":1202.74},{"sentences":[{"text":"You're doing really well.","start":1202.74,"end":1203.62,"sentiment":"positive","sentiment_score":0.7366410940885544},{"text":"Even in a really crazy volatile time, we saw some really hectic changes and drops in the market this year, especially around March 2728 with what was happening overseas.","start":1203.62,"end":1214.3551,"sentiment":"neutral","sentiment_score":-0.2490198296205751},{"text":"So your portfolio's weather the storm really, really nicely.","start":1214.495,"end":1218.435,"sentiment":"positive","sentiment_score":0.4303130755821864},{"text":"Have I ever sort of explained to you have about the VIX index?","start":1220.3,"end":1225.02,"sentiment":"neutral","sentiment_score":0.035134475821485885},{"text":"This might be something that's kind of interesting to you.","start":1225.02,"end":1227.6,"sentiment":"neutral","sentiment_score":0.04711470939218998}],"sentiment":"neutral","sentiment_score":0.008087727341514367,"num_words":65,"start":1202.74,"end":1227.6},{"sentences":[{"text":"Have you ever seen or heard about what the VIX index is?","start":1227.74,"end":1230.9601,"sentiment":"neutral","sentiment_score":0.007275927423809965},{"text":"No.","start":1232.505,"end":1232.745,"sentiment":"neutral","sentiment_score":-0.03755411505699158},{"text":"So the VIX index, the BIX index, essentially tracks market volatility.","start":1232.745,"end":1237.245,"sentiment":"neutral","sentiment_score":0.01342113773253831},{"text":"If you ever get a chance to look at it, it's kind of exciting, kinda cool, but it works in The US stock market, essentially.","start":1237.865,"end":1244.4451,"sentiment":"neutral","sentiment_score":0.16125932335853577},{"text":"But whenever the VIX index is over 20%, it means that over the next thirty days, you can expect high volatility.","start":1244.505,"end":1251.11,"sentiment":"neutral","sentiment_score":0.06419306603215989}],"sentiment":"neutral","sentiment_score":0.07967038571036288,"num_words":70,"start":1227.74,"end":1251.11},{"sentences":[{"text":"And in around March, it got up to 31.65%.","start":1251.81,"end":1255.41,"sentiment":"neutral","sentiment_score":0.17060644014014137},{"text":"So it was pretty high.","start":1255.41,"end":1256.79,"sentiment":"neutral","sentiment_score":0.20377931892871856},{"text":"But whenever the VIX index goes down under 20%, it's an indicator that markets are gonna be fairly stable for the next sort of thirty days.","start":1257.17,"end":1264.615,"sentiment":"neutral","sentiment_score":0.0945023874250742},{"text":"So if you're ever sort of looking at things and hearing a lot of in the news of what's happening there, you always welcome to pull up the VIX index and have a bit of a look at where it's tracking and what it's sort of doing over the past, you know, couple of days, and it kinda gives you an index.","start":1264.615,"end":1279.3401,"sentiment":"neutral","sentiment_score":0.23696373967874435},{"text":"So 20% is kind of the the the line of where you go from volatility to stable.","start":1280.3601,"end":1287.1001,"sentiment":"neutral","sentiment_score":0.03689983991139075}],"sentiment":"neutral","sentiment_score":0.17084425014733268,"num_words":119,"start":1251.81,"end":1287.1001},{"sentences":[{"text":"Yep.","start":1293.225,"end":1293.725,"sentiment":"neutral","sentiment_score":0.04965853691101074},{"text":"You're expecting some stability.","start":1294.905,"end":1296.445,"sentiment":"neutral","sentiment_score":0.11706367135047913},{"text":"Yeah.","start":1296.825,"end":1297.325,"sentiment":"neutral","sentiment_score":0.12175820767879486},{"text":"Yeah.","start":1297.385,"end":1297.885,"sentiment":"neutral","sentiment_score":0.1288924515247345},{"text":"It's just a really cool indicator of kind of being usually, like, some of the indicators that we use to sorta help everyone so that people have got something they can kinda go to or a little bit of guidance there.","start":1298.185,"end":1309.5399,"sentiment":"neutral","sentiment_score":0.3098793026150727}],"sentiment":"neutral","sentiment_score":0.28070031851530075,"num_words":48,"start":1293.225,"end":1309.5399},{"sentences":[{"text":"Part of my job is not just about, you know, making money for you.","start":1309.5399,"end":1312.58,"sentiment":"neutral","sentiment_score":0.28098904128585545},{"text":"I do enjoy the educational value as well and, you know, utilizing and passing on some of the knowledge that I've been able to obtain.","start":1312.58,"end":1319.38,"sentiment":"positive","sentiment_score":0.4506099343299866},{"text":"So, yes, it's kinda cool to have a look at, especially when you're hearing a lot of the news or people saying that things are going up and down.","start":1319.38,"end":1326.285,"sentiment":"positive","sentiment_score":0.35037607057341214},{"text":"It just gives you another sort of point to have a look at if you ever wanted to.","start":1326.285,"end":1330.545,"sentiment":"neutral","sentiment_score":0.2400925854841868},{"text":"Okay.","start":1330.685,"end":1331.185,"sentiment":"neutral","sentiment_score":0.11383609473705292}],"sentiment":"positive","sentiment_score":0.34247705306129894,"num_words":87,"start":1309.5399,"end":1331.185},{"sentences":[{"text":"Easy.","start":1333.24,"end":1333.74,"sentiment":"neutral","sentiment_score":0.26857203245162964},{"text":"Yeah.","start":1333.88,"end":1334.38,"sentiment":"neutral","sentiment_score":0.07972560822963715},{"text":"Sure.","start":1334.52,"end":1335.02,"sentiment":"neutral","sentiment_score":0.04690025746822357},{"text":"Sure.","start":1335.72,"end":1336.22,"sentiment":"neutral","sentiment_score":0.03323742002248764},{"text":"Yep.","start":1339.64,"end":1340.14,"sentiment":"neutral","sentiment_score":0.039252664893865585}],"sentiment":"neutral","sentiment_score":0.09353759661316871,"num_words":5,"start":1333.24,"end":1340.14},{"sentences":[{"text":"Six 100,000.","start":1344.68,"end":1345.82,"sentiment":"neutral","sentiment_score":0.017731639090925455},{"text":"Yep.","start":1347.4451,"end":1347.9451,"sentiment":"neutral","sentiment_score":0.23738282918930056},{"text":"Yep.","start":1348.005,"end":1348.3251,"sentiment":"neutral","sentiment_score":0.2115130126476288},{"text":"Yep.","start":1348.3251,"end":1348.645,"sentiment":"neutral","sentiment_score":0.175700843334198},{"text":"So 600,000.","start":1348.645,"end":1349.8451,"sentiment":"neutral","sentiment_score":0.0977603942155838}],"sentiment":"neutral","sentiment_score":0.1222258216834494,"num_words":7,"start":1344.68,"end":1349.8451},{"sentences":[{"text":"So if we can get your balance up to a million dollars or even higher than that, which would be fantastic, and you've got plenty of time on your side to be able to do that.","start":1349.8451,"end":1358.265,"sentiment":"neutral","sentiment_score":0.2916467972099781},{"text":"Essentially, we won't be charging 1.1% of that balance there.","start":1358.7251,"end":1363.02,"sentiment":"neutral","sentiment_score":0.020487471856176852},{"text":"That is capped at $600,000.","start":1363.5,"end":1365.92,"sentiment":"neutral","sentiment_score":0.02133723683655262},{"text":"Yeah.","start":1366.06,"end":1366.56,"sentiment":"neutral","sentiment_score":0.08495582640171051},{"text":"Yeah.","start":1367.42,"end":1367.92,"sentiment":"neutral","sentiment_score":0.20135778188705444}],"sentiment":"neutral","sentiment_score":0.2093803624640096,"num_words":53,"start":1349.8451,"end":1367.92},{"sentences":[{"text":"Perfect.","start":1368.38,"end":1368.88,"sentiment":"neutral","sentiment_score":0.10922552645206451},{"text":"The other documents we will have in that doc Odoo sign pack for you will just be our updated financial service guide with the outline of everything about who we are, what we do, how we do it.","start":1370.06,"end":1381.395,"sentiment":"neutral","sentiment_score":0.12022261047049572},{"text":"It's got all my licensing information in there for you as well.","start":1381.395,"end":1384.615,"sentiment":"neutral","sentiment_score":0.1411686291297277},{"text":"And then we do also update often just what's called the tax file opt in form.","start":1385.075,"end":1389.99,"sentiment":"neutral","sentiment_score":0.08453549374826252},{"text":"So we like to make sure everyone is aware.","start":1389.99,"end":1391.75,"sentiment":"neutral","sentiment_score":0.09614852484729555}],"sentiment":"neutral","sentiment_score":0.11302122233533546,"num_words":76,"start":1368.38,"end":1391.75},{"sentences":[{"text":"We do hold your tax phone number.","start":1391.75,"end":1393.43,"sentiment":"neutral","sentiment_score":0.08640992960759572},{"text":"So we go through every so often and just update the authority on that one, just making sure that we're keeping everyone's information at the forefront, but making sure you're aware of the information we hold on you as well.","start":1393.43,"end":1404.335,"sentiment":"neutral","sentiment_score":0.09776468444615602},{"text":"Okay?","start":1404.395,"end":1404.895,"sentiment":"neutral","sentiment_score":0.04725680127739906},{"text":"Yep.","start":1405.995,"end":1406.495,"sentiment":"neutral","sentiment_score":0.20465171337127688},{"text":"Perfect.","start":1406.635,"end":1407.135,"sentiment":"positive","sentiment_score":0.476660817861557}],"sentiment":"neutral","sentiment_score":0.10488052435219287,"num_words":50,"start":1391.75,"end":1407.135},{"sentences":[{"text":"Over the next sort of one to two or even five years, do you have any other goals that you're looking to achieve?","start":1407.6749,"end":1412.6549,"sentiment":"neutral","sentiment_score":0.08139486837646236},{"text":"Or Yep.","start":1412.715,"end":1417.85,"sentiment":"neutral","sentiment_score":0.011042557656764984},{"text":"Yep.","start":1417.85,"end":1418.35,"sentiment":"neutral","sentiment_score":0.019194018095731735},{"text":"Yep.","start":1420.49,"end":1420.99,"sentiment":"neutral","sentiment_score":0.03146372735500336},{"text":"Yep.","start":1425.77,"end":1426.27,"sentiment":"neutral","sentiment_score":0.023595362901687626}],"sentiment":"neutral","sentiment_score":0.07030072129730668,"num_words":28,"start":1407.6749,"end":1426.27},{"sentences":[{"text":"Yep.","start":1430.1051,"end":1430.6051,"sentiment":"neutral","sentiment_score":0.01268789917230606},{"text":"Yep.","start":1434.265,"end":1434.765,"sentiment":"neutral","sentiment_score":-0.011650520376861095},{"text":"Yep.","start":1435.2251,"end":1435.7251,"sentiment":"neutral","sentiment_score":-0.034649014472961426},{"text":"Yeah.","start":1438.505,"end":1438.905,"sentiment":"neutral","sentiment_score":-0.00624337512999773},{"text":"Of course.","start":1438.905,"end":1439.4651,"sentiment":"neutral","sentiment_score":0.004915321245789528}],"sentiment":"neutral","sentiment_score":-0.005004061385989189,"num_words":6,"start":1430.1051,"end":1439.4651},{"sentences":[{"text":"Yeah.","start":1439.4651,"end":1439.865,"sentiment":"neutral","sentiment_score":0.011143223382532597},{"text":"Definitely.","start":1439.865,"end":1440.365,"sentiment":"neutral","sentiment_score":0.03303062915802002},{"text":"No.","start":1441.385,"end":1441.7051,"sentiment":"neutral","sentiment_score":-0.09986056387424468},{"text":"Understandable.","start":1441.7051,"end":1442.2051,"sentiment":"neutral","sentiment_score":-0.1017867550253868},{"text":"Yeah.","start":1449.04,"end":1449.28,"sentiment":"neutral","sentiment_score":-0.03233455866575241}],"sentiment":"neutral","sentiment_score":-0.03796160500496625,"num_words":5,"start":1439.4651,"end":1449.28},{"sentences":[{"text":"No.","start":1449.28,"end":1449.52,"sentiment":"neutral","sentiment_score":-0.1155429482460022},{"text":"That's okay.","start":1449.52,"end":1450.2401,"sentiment":"neutral","sentiment_score":-0.07099689356982708},{"text":"I'm just having a quick look back at the last back when we did last year as well.","start":1450.2401,"end":1454.64,"sentiment":"neutral","sentiment_score":0.0029804673459794787},{"text":"You also mentioned maybe upgrading a car as well.","start":1454.64,"end":1457.3601,"sentiment":"neutral","sentiment_score":0.028179648021856945},{"text":"Is that something you're sort of looking to do down the track?","start":1457.3601,"end":1459.9401,"sentiment":"neutral","sentiment_score":0.011481306253699586}],"sentiment":"neutral","sentiment_score":0.004464385335311471,"num_words":42,"start":1449.28,"end":1459.9401},{"sentences":[{"text":"Yep.","start":1461.725,"end":1462.125,"sentiment":"neutral","sentiment_score":0.06515993177890778},{"text":"Yep.","start":1462.125,"end":1462.605,"sentiment":"neutral","sentiment_score":0.0806175172328949},{"text":"Beautiful.","start":1462.605,"end":1463.105,"sentiment":"positive","sentiment_score":0.49093523621559143},{"text":"And retirement wise, we're all good.","start":1464.0449,"end":1466.705,"sentiment":"neutral","sentiment_score":0.29543733845154446},{"text":"And retirement wise, we're still tracking forward to retire, hopefully, at age 60.","start":1467.005,"end":1471.1849,"sentiment":"neutral","sentiment_score":0.20335126553590482}],"sentiment":"neutral","sentiment_score":0.2296774167228829,"num_words":22,"start":1461.725,"end":1471.1849},{"sentences":[{"text":"Yeah.","start":1473.5,"end":1473.8999,"sentiment":"neutral","sentiment_score":0.08529698848724365},{"text":"Perfect.","start":1473.8999,"end":1474.3999,"sentiment":"positive","sentiment_score":0.5508453249931335},{"text":"Nice.","start":1475.4199,"end":1475.9199,"sentiment":"positive","sentiment_score":0.633224606513977},{"text":"Nice.","start":1476.0599,"end":1476.5599,"sentiment":"neutral","sentiment_score":0.0790492594242096},{"text":"Well, with 60 at the moment is the earliest they're gonna let you access your super, but, I mean, we can look at other things down the track.","start":1476.86,"end":1482.86,"sentiment":"neutral","sentiment_score":0.04902308573946357}],"sentiment":"neutral","sentiment_score":0.08503320562886074,"num_words":32,"start":1473.5,"end":1482.86},{"sentences":[{"text":"We can look at investing outside of super in certain ways to kind of build retire you know, you build access to savings earlier so you can possibly retire earlier.","start":1482.86,"end":1492.195,"sentiment":"neutral","sentiment_score":0.0890383983651797},{"text":"And then you've also got the option of investment property.","start":1492.335,"end":1494.895,"sentiment":"neutral","sentiment_score":0.031017093732953072},{"text":"So sorry.","start":1494.895,"end":1495.635,"sentiment":"neutral","sentiment_score":-0.0036273919977247715},{"text":"Yeah.","start":1496.815,"end":1497.315,"sentiment":"neutral","sentiment_score":0.00487362127751112},{"text":"No.","start":1500.575,"end":1501.055,"sentiment":"neutral","sentiment_score":-0.021287720650434497}],"sentiment":"neutral","sentiment_score":0.06721940920264884,"num_words":44,"start":1482.86,"end":1501.055},{"sentences":[{"text":"'60.","start":1501.055,"end":1501.555,"sentiment":"neutral","sentiment_score":-0.010935083031654358},{"text":"60.","start":1501.9349,"end":1502.4349,"sentiment":"neutral","sentiment_score":0.003365062875673175},{"text":"Yes.","start":1503.36,"end":1503.86,"sentiment":"neutral","sentiment_score":0.015828564763069153},{"text":"'6 zero.","start":1504.64,"end":1505.62,"sentiment":"neutral","sentiment_score":-0.027913695201277733},{"text":"No.","start":1506.48,"end":1506.98,"sentiment":"neutral","sentiment_score":-0.06484894454479218}],"sentiment":"neutral","sentiment_score":-0.018736298390043277,"num_words":6,"start":1501.055,"end":1506.98},{"sentences":[{"text":"No.","start":1509.44,"end":1509.92,"sentiment":"neutral","sentiment_score":-0.1149924099445343},{"text":"No.","start":1509.92,"end":1510.24,"sentiment":"neutral","sentiment_score":-0.062475498765707016},{"text":"So no.","start":1510.24,"end":1511.36,"sentiment":"neutral","sentiment_score":-0.051839930936694145},{"text":"That's okay.","start":1511.36,"end":1512.0,"sentiment":"neutral","sentiment_score":-0.02224188530817628},{"text":"It's honestly a really common it's a common misconception a lot of people have.","start":1512.0,"end":1516.48,"sentiment":"neutral","sentiment_score":-0.09291672706604004}],"sentiment":"neutral","sentiment_score":-0.08132328600622714,"num_words":20,"start":1509.44,"end":1516.48},{"sentences":[{"text":"So 67 is the age that if you're eligible for to access the age pension, but because a lot of people just refer to as retirement age because a lot of people, especially the older generation, they even this is some generations, they didn't have super.","start":1516.48,"end":1532.77,"sentiment":"neutral","sentiment_score":-0.045510694060636604},{"text":"Super wasn't a big thing until the early nineties.","start":1532.83,"end":1535.31,"sentiment":"neutral","sentiment_score":-0.04326196221841706},{"text":"So a lot of them are retiring on lower balances now, and they are having to rely on the government system.","start":1535.31,"end":1542.53,"sentiment":"neutral","sentiment_score":-0.03476788564806893},{"text":"So for them, 67 isn't so much the age they can access as super, but it's the age that they feel they can retire because it's the age they can access the age pension.","start":1542.59,"end":1551.325,"sentiment":"neutral","sentiment_score":0.01671792974914698},{"text":"But under the legislation requirements, if you stop working at 60, you can access your super wholly completely tax free.","start":1552.025,"end":1558.845,"sentiment":"neutral","sentiment_score":0.045906417071819305}],"sentiment":"neutral","sentiment_score":-0.013280286403516164,"num_words":130,"start":1516.48,"end":1558.845},{"sentences":[{"text":"Yeah.","start":1561.21,"end":1561.71,"sentiment":"neutral","sentiment_score":0.14706379175186157},{"text":"Yeah.","start":1562.8099,"end":1563.3099,"sentiment":"neutral","sentiment_score":0.2593989968299866},{"text":"I like to give people good news like that.","start":1563.45,"end":1565.29,"sentiment":"positive","sentiment_score":0.4199116461806827},{"text":"Yeah.","start":1565.29,"end":1565.79,"sentiment":"neutral","sentiment_score":0.11017470061779022},{"text":"Absolutely.","start":1578.485,"end":1578.985,"sentiment":"neutral","sentiment_score":-0.2372705638408661}],"sentiment":"neutral","sentiment_score":0.31219782622960895,"num_words":13,"start":1561.21,"end":1578.985},{"sentences":[{"text":"Yeah.","start":1580.325,"end":1580.825,"sentiment":"neutral","sentiment_score":-0.110657200217247},{"text":"Yeah.","start":1587.125,"end":1587.625,"sentiment":"neutral","sentiment_score":-0.057572610676288605},{"text":"Yeah.","start":1592.64,"end":1593.14,"sentiment":"neutral","sentiment_score":0.14346355199813843},{"text":"Of course.","start":1593.4401,"end":1594.02,"sentiment":"neutral","sentiment_score":0.09471588581800461},{"text":"Yeah.","start":1598.64,"end":1599.14,"sentiment":"neutral","sentiment_score":-0.021059028804302216}],"sentiment":"neutral","sentiment_score":0.023934413989384968,"num_words":6,"start":1580.325,"end":1599.14},{"sentences":[{"text":"Honestly, the best the best way is to do that, and it's a little bit hard at the moment because of what's happening with the budget, but one of the best ways is to be able to negatively give property.","start":1600.3201,"end":1611.135,"sentiment":"neutral","sentiment_score":-0.1623494820203632},{"text":"So either buying an investment property or buying a new one for yourself and renting at your current property and being able to negatively gear that.","start":1611.195,"end":1619.2,"sentiment":"neutral","sentiment_score":-0.12631878801263297},{"text":"The only downside is at the moment with the way with what was put out in the budget was that they're only going to if these changes go through as of July next year, you'll only be able to negatively gear as an investor a brand new property, which means you would have to buy a build, like, a new property, build it, and then rent it out to access negative gearing.","start":1619.34,"end":1641.285,"sentiment":"neutral","sentiment_score":-0.26812814579655725},{"text":"We can do, like, investing outside of super through investment portfolios and things like that, but they don't necessarily reduce your income tax.","start":1642.2251,"end":1650.7001,"sentiment":"neutral","sentiment_score":0.017652383580317964},{"text":"It actually tends to increase that because you get income and growth out of your investments the same as the super, and that all has to be included in your personal tax return.","start":1650.7001,"end":1660.645,"sentiment":"neutral","sentiment_score":0.1058286948863304}],"sentiment":"neutral","sentiment_score":-0.12982032223143758,"num_words":194,"start":1600.3201,"end":1660.645},{"sentences":[{"text":"So it doesn't actually reduce your tax payable.","start":1660.645,"end":1664.265,"sentiment":"neutral","sentiment_score":-0.01498007836198667},{"text":"Under under the legislation under the tax act, we actually can't provide advice solely for the purpose of reducing tax.","start":1665.685,"end":1672.14,"sentiment":"neutral","sentiment_score":-0.09119043666869402},{"text":"That is seen as a tax avoidance measure.","start":1672.22,"end":1674.72,"sentiment":"neutral","sentiment_score":-0.2942531257867813},{"text":"But if you're looking to buy a new property, it is actually because that's, I mean, that's the whole reason we tend to do these sorts of things.","start":1675.58,"end":1683.12,"sentiment":"neutral","sentiment_score":-0.22775753241564548},{"text":"We just have to call it something else.","start":1683.34,"end":1685.28,"sentiment":"neutral","sentiment_score":-0.1080145314335823}],"sentiment":"neutral","sentiment_score":-0.1602639100787605,"num_words":72,"start":1660.645,"end":1685.28},{"sentences":[{"text":"But, realistically, like, if you're wanting to be able to build wealth outside of so far, looking at, say, an investment property is a good way to do that.","start":1688.095,"end":1696.975,"sentiment":"neutral","sentiment_score":0.07669316472260859},{"text":"You're, you know, building your ad your net assets and growing investments to the future, and property tends to do very well over the longer term there as well.","start":1696.975,"end":1705.5801,"sentiment":"positive","sentiment_score":0.5025737604190563},{"text":"And then if you rent the property out, plus you've got management fees and you've got, you know, you've gotta look after the property as well, so ongoing maintenance costs and things like that.","start":1706.12,"end":1715.02,"sentiment":"neutral","sentiment_score":0.04812962096184492},{"text":"If the rent you're bringing in just so happens to not cover the cost of the loan repayment or sorry.","start":1715.265,"end":1722.225,"sentiment":"neutral","sentiment_score":-0.11345517635345459},{"text":"It's not so much the principal.","start":1722.225,"end":1723.505,"sentiment":"neutral","sentiment_score":-0.10565495615204175}],"sentiment":"neutral","sentiment_score":0.13162809049008192,"num_words":118,"start":1688.095,"end":1723.505},{"sentences":[{"text":"It's the interest on the loan repayment plus your management fees plus your ongoing maintenance costs, then you've technically negatively geared the property, and that gives you a tax deduction.","start":1723.505,"end":1732.78,"sentiment":"neutral","sentiment_score":-0.07761766407638789},{"text":"And that works out really well.","start":1734.04,"end":1736.12,"sentiment":"positive","sentiment_score":0.3871085047721863},{"text":"It's one of the best ways to be able to minimize the amount of tax we are paying.","start":1736.12,"end":1741.26,"sentiment":"neutral","sentiment_score":0.2657226365473535},{"text":"But the tough thing at the moment is that with this bill coming in, it's well, if this bill goes through, then it might change the way we are able to negatively give.","start":1742.36,"end":1753.455,"sentiment":"negative","sentiment_score":-0.4497298765363115},{"text":"So I'm just of the opinion at the moment.","start":1753.455,"end":1756.255,"sentiment":"neutral","sentiment_score":-0.09680753284030491}],"sentiment":"neutral","sentiment_score":-0.11390859538611646,"num_words":96,"start":1723.505,"end":1756.255},{"sentences":[{"text":"Have a think about what you'd like to do.","start":1756.255,"end":1758.095,"sentiment":"neutral","sentiment_score":-0.020284342372583017},{"text":"If and when you wanna sort of look at buying a new property, we can put you in touch with a mortgage broker to sort of help you with that.","start":1758.095,"end":1764.3999,"sentiment":"neutral","sentiment_score":0.032700452394783495},{"text":"But I would be very mindful of just being cautious about doing it now.","start":1765.02,"end":1769.02,"sentiment":"negative","sentiment_score":-0.391295211655753},{"text":"I'd be waiting to see what happens with this bill to work out whether you buy your forever home and rent the current property out or whether you have to buy a new property to be able to look at negative gearing to benefit you.","start":1769.02,"end":1781.6649,"sentiment":"negative","sentiment_score":-0.3335596372683843},{"text":"Does that make sense?","start":1781.6649,"end":1782.645,"sentiment":"neutral","sentiment_score":-0.17723295092582703}],"sentiment":"neutral","sentiment_score":-0.19998817601442045,"num_words":102,"start":1756.255,"end":1782.645},{"sentences":[{"text":"Yeah.","start":1783.585,"end":1784.085,"sentiment":"neutral","sentiment_score":-0.02531827613711357},{"text":"There's just so much happening here at the moment.","start":1784.705,"end":1787.0449,"sentiment":"neutral","sentiment_score":-0.16988896826903024},{"text":"Yep.","start":1801.13,"end":1801.5299,"sentiment":"neutral","sentiment_score":0.1307355761528015},{"text":"Yeah.","start":1801.5299,"end":1802.0299,"sentiment":"neutral","sentiment_score":0.22457119822502136},{"text":"Yeah.","start":1809.9551,"end":1810.115,"sentiment":"neutral","sentiment_score":0.07778073102235794}],"sentiment":"neutral","sentiment_score":-0.08624857578140038,"num_words":13,"start":1783.585,"end":1810.115},{"sentences":[{"text":"Yeah.","start":1810.115,"end":1810.615,"sentiment":"neutral","sentiment_score":0.09754031896591188},{"text":"Yeah.","start":1811.635,"end":1811.7151,"sentiment":"neutral","sentiment_score":0.18129882216453552},{"text":"Perfect.","start":1811.7151,"end":1812.2151,"sentiment":"positive","sentiment_score":0.3771366477012634},{"text":"Yeah.","start":1817.5701,"end":1817.89,"sentiment":"neutral","sentiment_score":0.06007154658436775},{"text":"So yeah.","start":1817.89,"end":1819.5701,"sentiment":"neutral","sentiment_score":0.008397610858082766}],"sentiment":"neutral","sentiment_score":0.12214042618870735,"num_words":6,"start":1810.115,"end":1819.5701},{"sentences":[{"text":"So this financial year, you can put in there up to the 30,000.","start":1819.5701,"end":1823.8301,"sentiment":"neutral","sentiment_score":0.07868971389073592},{"text":"You could also look at utilizing some catch up contributions.","start":1825.17,"end":1829.0449,"sentiment":"neutral","sentiment_score":0.11752797886729241},{"text":"I would say utilizing catch up contribution because your balance is a lot higher, once you hit that $500,000 balance as of the July 1, any financial year, you actually lose access to your catch up contributions.","start":1829.5049,"end":1843.445,"sentiment":"neutral","sentiment_score":-0.08718545593925424},{"text":"So if you wanted to yeah.","start":1844.21,"end":1849.43,"sentiment":"neutral","sentiment_score":-0.19083891063928604},{"text":"If you wanted to, you could send through your catch up contributions, and I can have a look at that for you and work out what you could put in this year to kind of give you a little bit of an extra tax deduction.","start":1850.6901,"end":1859.51,"sentiment":"neutral","sentiment_score":0.2020491608315044}],"sentiment":"neutral","sentiment_score":0.06233840516290149,"num_words":111,"start":1819.5701,"end":1859.51},{"sentences":[{"text":"No.","start":1863.775,"end":1864.255,"sentiment":"neutral","sentiment_score":-0.15945492684841156},{"text":"No.","start":1864.255,"end":1864.755,"sentiment":"neutral","sentiment_score":-0.13812851905822754},{"text":"Because if if you like, I'll send you an email after the call.","start":1865.6951,"end":1871.615,"sentiment":"neutral","sentiment_score":0.10836694332269523},{"text":"It'll have instructions on how to access that through your MyGov account.","start":1871.615,"end":1875.27,"sentiment":"neutral","sentiment_score":0.11994090862572193},{"text":"If you can get a hold of that and send it through to me, I can have a look at what you've got packed up space.","start":1875.27,"end":1881.77,"sentiment":"neutral","sentiment_score":0.1350067759362551}],"sentiment":"neutral","sentiment_score":0.11435196028565461,"num_words":53,"start":1863.775,"end":1881.77},{"sentences":[{"text":"And if you're comfortable do you know how much you would like to know you put in the super?","start":1882.15,"end":1886.71,"sentiment":"neutral","sentiment_score":0.03653244576171825},{"text":"Do you have, like, a lump sum amount you'd be comfortable with?","start":1886.71,"end":1889.43,"sentiment":"neutral","sentiment_score":0.029909796081483364},{"text":"Or that's exactly it.","start":1889.43,"end":1899.105,"sentiment":"neutral","sentiment_score":0.04350999742746353},{"text":"So take money out of your bank account, and we transfer it into super, and then we claim a notice of intent against that once it's in super.","start":1899.105,"end":1905.765,"sentiment":"neutral","sentiment_score":0.03468525644192206},{"text":"Yeah.","start":1910.19,"end":1910.67,"sentiment":"neutral","sentiment_score":0.2251131534576416}],"sentiment":"neutral","sentiment_score":0.03786522415612126,"num_words":64,"start":1882.15,"end":1910.67},{"sentences":[{"text":"So the way it works you're right.","start":1910.67,"end":1912.67,"sentiment":"neutral","sentiment_score":0.21892725782735006},{"text":"To give you a bit of clarity there, it's called a deductible contribution.","start":1912.67,"end":1916.29,"sentiment":"neutral","sentiment_score":0.09670457587792324},{"text":"So we take money that you've already paid tax on, like, out of your bank account or savings or something like that, you transfer that straight into super.","start":1916.43,"end":1924.255,"sentiment":"neutral","sentiment_score":0.07865607791713305},{"text":"Because looking at your contributions this financial year, you're right on that twenty nine thousand nine six three already.","start":1924.255,"end":1930.335,"sentiment":"neutral","sentiment_score":0.17014478519558907},{"text":"So you're basically capping out with your contributions currently.","start":1930.335,"end":1933.7949,"sentiment":"neutral","sentiment_score":0.12146490129331748}],"sentiment":"neutral","sentiment_score":0.12260467767421353,"num_words":76,"start":1910.67,"end":1933.7949},{"sentences":[{"text":"Mhmm.","start":1938.29,"end":1938.79,"sentiment":"neutral","sentiment_score":0.0019020852632820608},{"text":"Yeah.","start":1941.09,"end":1941.59,"sentiment":"neutral","sentiment_score":0.04656068980693817},{"text":"Are you I'm just looking at your contributions going in.","start":1942.13,"end":1945.01,"sentiment":"neutral","sentiment_score":0.05252980254590511},{"text":"Let's have a look.","start":1945.01,"end":1945.99,"sentiment":"neutral","sentiment_score":0.06067768018692732},{"text":"Yeah.","start":1949.89,"end":1950.37,"sentiment":"neutral","sentiment_score":0.06457524746656418}],"sentiment":"neutral","sentiment_score":0.05182628051432617,"num_words":17,"start":1938.29,"end":1950.37},{"sentences":[{"text":"Okay.","start":1950.37,"end":1950.87,"sentiment":"neutral","sentiment_score":0.07946652919054031},{"text":"Yep.","start":1953.625,"end":1954.125,"sentiment":"neutral","sentiment_score":0.2529555857181549},{"text":"Perfect.","start":1954.745,"end":1955.245,"sentiment":"positive","sentiment_score":0.5591505765914917},{"text":"Where are we?","start":1956.745,"end":1957.545,"sentiment":"neutral","sentiment_score":0.20301645000775656},{"text":"So I'm actually here.","start":1957.545,"end":1962.365,"sentiment":"neutral","sentiment_score":0.16222242265939713}],"sentiment":"neutral","sentiment_score":0.21495117321610452,"num_words":10,"start":1950.37,"end":1962.365},{"sentences":[{"text":"I'm just having a quick look at your contributions.","start":1963.785,"end":1965.805,"sentiment":"neutral","sentiment_score":0.16879851288265652},{"text":"They tend to go in around the fifteenth of every month.","start":1965.865,"end":1969.76,"sentiment":"neutral","sentiment_score":0.10242412239313126},{"text":"So around about the fifteenth of next month, you'll have probably another $1,800 there.","start":1969.76,"end":1974.96,"sentiment":"neutral","sentiment_score":0.12553079745599202},{"text":"So because your balance was under 500,000 as at the July 1 year, you should still have access to those types of contributions.","start":1974.96,"end":1983.5751,"sentiment":"neutral","sentiment_score":0.2794127969638161},{"text":"But if we don't use them this year, you may not get access to them next financial year depending on how your balance goes.","start":1983.7151,"end":1990.935,"sentiment":"neutral","sentiment_score":-0.1959312887241443}],"sentiment":"neutral","sentiment_score":0.07564724107951294,"num_words":81,"start":1963.785,"end":1990.935},{"sentences":[{"text":"I reckon you might get one more year out of them, but it just depends upon what the market does as well.","start":1991.155,"end":1995.655,"sentiment":"neutral","sentiment_score":0.029314034364440224},{"text":"But, essentially, with a deductible contribution, we take some money out of your bank account.","start":1995.7999,"end":2000.46,"sentiment":"neutral","sentiment_score":0.06055468072493871},{"text":"You've already paid tax on that money, put that into super, and then we claim a notice of intent.","start":2000.6,"end":2005.58,"sentiment":"neutral","sentiment_score":0.05965302296374973},{"text":"That then means that the super fund about 15% tax.","start":2006.0399,"end":2009.745,"sentiment":"neutral","sentiment_score":0.09415605291724205},{"text":"It changes the contribution, and then the amount you put into super, you can claim on your tax return as a bit of a tax deduction.","start":2009.745,"end":2017.285,"sentiment":"neutral","sentiment_score":0.22384377798208824}],"sentiment":"neutral","sentiment_score":0.10269712130336658,"num_words":92,"start":1991.155,"end":2017.285},{"sentences":[{"text":"So it kind of works really well to help reduce your taxable income a bit there as well.","start":2017.585,"end":2022.5651,"sentiment":"positive","sentiment_score":0.4911293586095174},{"text":"Yeah.","start":2022.945,"end":2023.445,"sentiment":"neutral","sentiment_score":0.32666653394699097},{"text":"Yeah.","start":2024.78,"end":2025.28,"sentiment":"neutral","sentiment_score":0.27622026205062866},{"text":"Yeah.","start":2025.9,"end":2026.4,"sentiment":"neutral","sentiment_score":0.1283572018146515},{"text":"Yes.","start":2029.98,"end":2030.38,"sentiment":"neutral","sentiment_score":0.16777388751506803}],"sentiment":"positive","sentiment_score":0.44269756092266604,"num_words":22,"start":2017.585,"end":2030.38},{"sentences":[{"text":"Perfect.","start":2030.38,"end":2030.88,"sentiment":"positive","sentiment_score":0.4171590209007263},{"text":"I'll shoot you to an email.","start":2030.94,"end":2032.4,"sentiment":"neutral","sentiment_score":0.14341365794340769},{"text":"Yes.","start":2034.7,"end":2035.02,"sentiment":"neutral","sentiment_score":0.22012923657894137},{"text":"Perfect.","start":2035.02,"end":2035.5,"sentiment":"positive","sentiment_score":0.4753556549549103},{"text":"Yeah.","start":2035.5,"end":2035.74,"sentiment":"neutral","sentiment_score":0.19362905621528623}],"sentiment":"neutral","sentiment_score":0.21667549163103103,"num_words":10,"start":2030.38,"end":2035.74},{"sentences":[{"text":"We'll need to get it done generally before the last week of June.","start":2035.74,"end":2039.485,"sentiment":"neutral","sentiment_score":0.125854088136783},{"text":"So I would be wanting to get these sort of done no later than, say, the June 20 to make sure they all go in because then the super fund has to process the contributions, and we claim the notice of intent.","start":2039.485,"end":2050.765,"sentiment":"neutral","sentiment_score":0.12305473358858199},{"text":"We can do it straight after, but the notice intent doesn't have to be claimed till after the July 1.","start":2050.765,"end":2055.2202,"sentiment":"neutral","sentiment_score":0.06022908892482519},{"text":"It's just getting the contribution in on time.","start":2055.22,"end":2057.56,"sentiment":"neutral","sentiment_score":0.15640292409807444},{"text":"So yeah.","start":2058.1,"end":2059.62,"sentiment":"neutral","sentiment_score":0.12594936788082123}],"sentiment":"neutral","sentiment_score":0.111907127806369,"num_words":85,"start":2035.74,"end":2059.62},{"sentences":[{"text":"So if you like, I'll send the email straight after this, give you the direction on how to get that information from your MyGov account.","start":2059.62,"end":2065.06,"sentiment":"neutral","sentiment_score":0.09857960641384125},{"text":"If you can shoot that back to me, I can do some numbers and some playing there for you, and then you can let me know.","start":2065.06,"end":2071.2048,"sentiment":"neutral","sentiment_score":0.13180401004277742},{"text":"We can do it without advice to make it quicker where you just transfer the money in and tell me once you've done it, and I'll just give you some general information around, you know, what that might look like.","start":2071.265,"end":2081.105,"sentiment":"neutral","sentiment_score":0.12575402297079563},{"text":"The tax deduction I mean, you might have other deductions that might help reduce some you know, that you might also be able to provide there, but I can give you some general information on what that looks like.","start":2081.105,"end":2090.44,"sentiment":"neutral","sentiment_score":0.11125980862058125},{"text":"We can get that money in, and then you've got something done before the end of the financial year to help you out a little bit.","start":2090.44,"end":2096.46,"sentiment":"neutral","sentiment_score":0.2040490061044693}],"sentiment":"neutral","sentiment_score":0.13183308996928808,"num_words":156,"start":2059.62,"end":2096.46},{"sentences":[{"text":"Yeah.","start":2098.105,"end":2098.5051,"sentiment":"positive","sentiment_score":0.582841694355011},{"text":"Perfect.","start":2098.5051,"end":2099.0051,"sentiment":"positive","sentiment_score":0.7994883060455322},{"text":"Excellent.","start":2099.865,"end":2100.365,"sentiment":"positive","sentiment_score":0.7953158617019653},{"text":"Excellent.","start":2100.665,"end":2101.165,"sentiment":"positive","sentiment_score":0.7592813968658447},{"text":"Perfect.","start":2102.0251,"end":2102.425,"sentiment":"positive","sentiment_score":0.6657785177230835}],"sentiment":"positive","sentiment_score":0.7205411553382873,"num_words":5,"start":2098.105,"end":2102.425},{"sentences":[{"text":"Do you have any other questions or anything else you wanted me to touch base on?","start":2102.425,"end":2105.945,"sentiment":"neutral","sentiment_score":0.15997546026483178},{"text":"Or No.","start":2105.945,"end":2110.605,"sentiment":"neutral","sentiment_score":-0.02509631402790546},{"text":"Yep.","start":2114.4602,"end":2114.9602,"sentiment":"neutral","sentiment_score":0.10916322469711304},{"text":"Beautiful.","start":2115.1802,"end":2115.6802,"sentiment":"positive","sentiment_score":0.34551018476486206},{"text":"Yeah.","start":2125.7651,"end":2126.165,"sentiment":"neutral","sentiment_score":-0.0005629817023873329}],"sentiment":"neutral","sentiment_score":0.14112024590195643,"num_words":21,"start":2102.425,"end":2126.165},{"sentences":[{"text":"Not every year.","start":2126.165,"end":2127.385,"sentiment":"neutral","sentiment_score":-0.019306163303554058},{"text":"As of next year, the contributions cap will be increasing by 2,500, so it goes from 30,000 to 32,500.","start":2127.445,"end":2135.225,"sentiment":"neutral","sentiment_score":0.046108874835466086},{"text":"It tends to do that sort of every two to three years depending on sort of how everything goes.","start":2135.72,"end":2141.0798,"sentiment":"neutral","sentiment_score":0.0425977601032508},{"text":"So it should be every second year that they increase it in 2,500 increments unless they change that legislation at all.","start":2141.0798,"end":2149.635,"sentiment":"neutral","sentiment_score":0.037035402176635604},{"text":"But they're also increasing the non concessional cut, which is great to a 130,000.","start":2149.635,"end":2154.2751,"sentiment":"neutral","sentiment_score":0.09539081821484226}],"sentiment":"neutral","sentiment_score":0.049220032561080235,"num_words":76,"start":2126.165,"end":2154.2751},{"sentences":[{"text":"So, yeah, we've got extra space in other ways if we need to.","start":2154.2751,"end":2159.415,"sentiment":"neutral","sentiment_score":0.03198999653641994},{"text":"Okay.","start":2159.5552,"end":2160.0552,"sentiment":"neutral","sentiment_score":0.05315988510847092},{"text":"Mhmm.","start":2164.73,"end":2165.23,"sentiment":"neutral","sentiment_score":0.041479744017124176},{"text":"We we can.","start":2174.7651,"end":2176.365,"sentiment":"neutral","sentiment_score":-0.019639411320288975},{"text":"It just depends on with your increase in income.","start":2176.365,"end":2179.0251,"sentiment":"neutral","sentiment_score":0.0017771472533543904}],"sentiment":"neutral","sentiment_score":0.017317987978458405,"num_words":27,"start":2154.2751,"end":2179.0251},{"sentences":[{"text":"Just yeah.","start":2179.085,"end":2180.365,"sentiment":"neutral","sentiment_score":0.022041622549295425},{"text":"Have you look at how much you've got going because this year, it looks like you might just exceed the cap a little bit with what you've got.","start":2180.365,"end":2188.225,"sentiment":"neutral","sentiment_score":0.00809580338786223},{"text":"Yeah.","start":2188.2852,"end":2188.7852,"sentiment":"neutral","sentiment_score":0.0005859527736902237},{"text":"That's probably where that extra comes from.","start":2192.5999,"end":2194.92,"sentiment":"neutral","sentiment_score":-0.03684911983353751},{"text":"Yeah.","start":2194.92,"end":2195.42,"sentiment":"neutral","sentiment_score":0.01021341234445572}],"sentiment":"neutral","sentiment_score":0.0006056734933876074,"num_words":39,"start":2179.085,"end":2195.42},{"sentences":[{"text":"Yep.","start":2196.1199,"end":2196.6199,"sentiment":"neutral","sentiment_score":0.026105685159564015},{"text":"Yeah.","start":2204.865,"end":2205.185,"sentiment":"neutral","sentiment_score":-0.009619348682463167},{"text":"There was.","start":2205.185,"end":2205.905,"sentiment":"neutral","sentiment_score":-0.013268210925161839},{"text":"Yeah.","start":2205.905,"end":2206.405,"sentiment":"neutral","sentiment_score":0.000953114591538906},{"text":"They owed you a bit of back pay.","start":2208.145,"end":2209.845,"sentiment":"neutral","sentiment_score":-0.11135399155318737}],"sentiment":"neutral","sentiment_score":-0.06922530024670638,"num_words":13,"start":2196.1199,"end":2209.845},{"sentences":[{"text":"Yeah.","start":2212.5452,"end":2212.705,"sentiment":"neutral","sentiment_score":-0.04925695061683655},{"text":"There was a nice big $10,000 one that went in there.","start":2212.705,"end":2215.685,"sentiment":"neutral","sentiment_score":0.053979711437767204},{"text":"Yeah.","start":2217.42,"end":2217.92,"sentiment":"neutral","sentiment_score":0.1553091257810593},{"text":"Perfect.","start":2218.14,"end":2218.64,"sentiment":"positive","sentiment_score":0.5192997455596924},{"text":"I mean, we can do it this way each year if you want because, I mean, family sacrifice is good.","start":2219.02,"end":2223.3599,"sentiment":"neutral","sentiment_score":0.32317948937416074}],"sentiment":"neutral","sentiment_score":0.2259623098241932,"num_words":34,"start":2212.5452,"end":2223.3599},{"sentences":[{"text":"There are limitations to it.","start":2223.66,"end":2225.5,"sentiment":"neutral","sentiment_score":-0.13850284069776536},{"text":"When you think of it from a tax point of view, making more of a deductible contribution works more in your favor.","start":2225.5,"end":2232.3198,"sentiment":"neutral","sentiment_score":0.043770259246230125},{"text":"Even if we can't sort of even if we can't use CACAA contributions moving forward, we can look at what goes in from your employer each year and then around June, work out what you can put in as a lump sum to kind of boost it up to the cap.","start":2233.035,"end":2249.69,"sentiment":"neutral","sentiment_score":-0.007622756648297403},{"text":"And we can do it that way because, I mean, salary sacrifice comes out of your income.","start":2250.15,"end":2254.81,"sentiment":"neutral","sentiment_score":0.15517411600140965},{"text":"It doesn't provide as big of a deduction, whereas if you were to make, like, a big $10,000 deductible contribution, that $10,000 you can take and claim back on your tax return.","start":2255.19,"end":2264.895,"sentiment":"neutral","sentiment_score":0.027150538109708577}],"sentiment":"neutral","sentiment_score":0.026680693719682732,"num_words":127,"start":2223.66,"end":2264.895},{"sentences":[{"text":"So from a tax point of view, the deductible contribution works out more in our favor.","start":2264.895,"end":2269.395,"sentiment":"neutral","sentiment_score":0.152674492681399},{"text":"Yeah.","start":2271.535,"end":2272.035,"sentiment":"neutral","sentiment_score":0.21180292963981628},{"text":"Beautiful.","start":2272.415,"end":2272.915,"sentiment":"positive","sentiment_score":0.5467219352722168},{"text":"Easy.","start":2273.81,"end":2273.97,"sentiment":"neutral","sentiment_score":0.2937191426753998},{"text":"Do you want me to, in the email, put a little bit of information on what a deductible contribution is to kinda give you a bit of a breakdown?","start":2273.97,"end":2279.97,"sentiment":"neutral","sentiment_score":0.028239055207513016}],"sentiment":"neutral","sentiment_score":0.08987434357307696,"num_words":48,"start":2264.895,"end":2279.97},{"sentences":[{"text":"I know we've talked about a lot of things, so just to kind of add a bit more detail there for you.","start":2279.97,"end":2284.13,"sentiment":"neutral","sentiment_score":0.0805639172480865},{"text":"Yeah.","start":2284.13,"end":2284.63,"sentiment":"neutral","sentiment_score":0.33029550313949585},{"text":"Fantastic.","start":2286.7751,"end":2287.2751,"sentiment":"positive","sentiment_score":0.8243647217750549},{"text":"Not an issue at all.","start":2287.575,"end":2288.535,"sentiment":"positive","sentiment_score":0.5656136393547058},{"text":"I'll get those out to you shortly.","start":2288.535,"end":2289.975,"sentiment":"positive","sentiment_score":0.5391284057072231}],"sentiment":"neutral","sentiment_score":0.2646953733637929,"num_words":36,"start":2279.97,"end":2289.975},{"sentences":[{"text":"If there's any additional questions or anything else for me, please don't ever hesitate and let me know, and I'll go back and look at doing that investment switch keeping that high growth environment, remove Ben along, and put something else in place and show you what that looks like.","start":2289.975,"end":2302.36,"sentiment":"neutral","sentiment_score":0.219324017316103},{"text":"Okay.","start":2302.36,"end":2302.86,"sentiment":"neutral","sentiment_score":0.15795780718326569},{"text":"Beautiful.","start":2304.2,"end":2304.7,"sentiment":"positive","sentiment_score":0.6716619729995728},{"text":"Easy.","start":2306.2,"end":2306.68,"sentiment":"positive","sentiment_score":0.7049318552017212},{"text":"Thank you so much.","start":2306.68,"end":2307.72,"sentiment":"positive","sentiment_score":0.816380962729454}],"sentiment":"neutral","sentiment_score":0.27660133951065835,"num_words":57,"start":2289.975,"end":2307.72},{"sentences":[{"text":"I'll let you go, Paula.","start":2307.72,"end":2308.76,"sentiment":"positive","sentiment_score":0.5264664232730866},{"text":"I hope you have a lovely evening, but thanks for your time.","start":2308.76,"end":2311.58,"sentiment":"positive","sentiment_score":0.7072898596525192},{"text":"No worries.","start":2314.137,"end":2314.777,"sentiment":"neutral","sentiment_score":0.2412482425570488},{"text":"I'll talk to you soon.","start":2314.777,"end":2315.897,"sentiment":"positive","sentiment_score":0.3342434227466583},{"text":"Thanks.","start":2315.897,"end":2316.397,"sentiment":"positive","sentiment_score":0.5439533591270447}],"sentiment":"positive","sentiment_score":0.5526990956068039,"num_words":25,"start":2307.72,"end":2316.397},{"sentences":[{"text":"See you later.","start":2318.057,"end":2318.697,"sentiment":"neutral","sentiment_score":0.2639636794726054},{"text":"Bye.","start":2318.697,"end":2319.197,"sentiment":"neutral","sentiment_score":-0.11313538998365402}],"sentiment":"neutral","sentiment_score":0.16968891210854053,"num_words":4,"start":2318.057,"end":2319.197}]}}]},{"alternatives":[{"transcript":"Hello. Paul speaking. Good. Thanks. How are you? Yeah. That's fine. Yep. Pretty busy. Not too bad, mate. How about yours? Good. Yeah. Nice. Very good. I'm not too sure. I don't know. When did we touch base? Probably last one inch, were you? I imagine. I don't think so. We probably just run over them numbers again if we need to. Yep. Yep. Yep. Yep. Alright. Yep. Sounds good. Yeah. That's fine. So Paul Monaghan, the tenth of the ninth nineteen eighty nine in James O'Donnell Drive, Barnesville. Yeah. I have that. Look at that. Yep. Sure have. Yeah. Yep. Yep. Yes. Yes. Probably not really. Probably just looking at it. Is it look at, like, Benelon, Australian Equities and that there. That that's probably that's probably the only thing I really look at is it. And I'm like, it's probably the one that's not doing not doing too much. Yep. Yep. Yes. Yes. Yeah. Yep. Yep. Yep. Yep. Yep. I just want someone that's gonna make me money. I shouldn't be like that. Yeah. I'm pretty upfront with that. Yeah. Yeah. I'm I'm pretty upfront with that. I just wanna make money. I don't work for the front of it. Yep. Yes. Yep. Yep. Yep. Let's do that. Yep. Mhmm. Yep. Yeah. You're right. Yep. Sounds good. So that 11 and a half percent, so that was made for the last twelve months, is that net of your fees? Like, is that your fees? Yep. That yeah. Righto. So that's with your fees taken out. Yeah. Righto. Yep. Beautiful. Yeah. Righto. Nice. Have you I'm sorry. Have you got a, like, a since I've joined you, have you got an average of what I've made? Does that make sense? For the last I think it's been, yeah, three three to four years, maybe three years. Yep. Yeah. Righto. Yep. Yeah. Yep. No. That's good. Very good. Yep. Yep. Yeah. Mhmm. Yep. Yeah. Yep. Yeah. Probably just at this stage, like, I am only still, what, 36, 10 towards 37. I think I'm still young enough really to stay high growth. Like, I still got a long time of work, unfortunately. Yes. Yes. Yep. Yep. Yeah. Yep. No. Very good. Yeah. Yes. Yep. Yep. Yep. Yep. If it doesn't cost anything to have a look at it, I'm always willing to have a look at something that's just as good, but I'm not paying as many fees. I'm always happy to have a look. Yep. Yeah. Yeah. Right. Yeah. Yeah. Yep. Yeah. Yeah. I'm still happy with that. Yep. Yep. I don't think it'll worry me too much. I'll be dead. Anyway no. All good. Sorry. No. It's all good. I do can. So yeah. Yep. Yeah. We so so we're fully offset. We we still have loans open, but it's fully offset. Yeah. There's nothing there. It's it's it's literally we owe money because we wanna keep the loan open at this stage. This way yeah. Yeah. Yep. Yep. Yep. No. I'd leave it around there. Yeah. Yeah. I don't know what they're worth these days, but I'll be around that. I don't know. Yeah. Yeah. We're right. Yep. For sure. 2,000 seven, man. It's very it's a it's a hot run. Yeah. Yeah. Yeah. Yeah. That's me work. Alright. Yeah. Yep. Yeah. Well, I couldn't tell you. It'll be roughly that. Possibly more, possibly less. But, yeah, that seems to be right. Yeah. Yep. Yep. Yep. I think I'm probably sitting around 200, roughly. That's what I keep telling them. That's what I keep telling them. Yeah. Anyway No. I I think we do quite well, Simon. There's probably more than that. Yeah. It'd be a lot more than that with what's fitting. Right? You're right. Yes. Let's do that. Yep. Yep. Yep. Yeah. I I should do that. Yep. That'd be sensational. Yep. Yep. That'd be sensational. Yep. Yep. Yeah. Yep. Yep. Yep. Beautiful. Yep. Yep. Yep. Well, I'm willing to cut deals. We'll put it this well, if we do better than 11 half percent, let's say we go 13%, I'm happy to pay you, like, 1.2%. But if we don't go better than that, I'll pay, like, point nine. And how's that for you? Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. No. Yep. Yep. So what what were the numbers again? Yep. Yeah. Righto. So twenty's like like, anything over 20, you're expecting a little bit of volatility. And below that yeah. Righto. Yep. Yeah. Righto. Yep. Yes. Yes. So so just going back a step, the 1.1% that we like, fees that we pay, and that's and that is that capped at 500,000 or 600? Yep. Okay. Beautiful. Yep. Yep. That's the plan. Yep. Yep. Alright. Yep. Yeah. Righto. Yep. We are looking to move, buy another property. I don't know. We yeah. We do need to move. It's as simple as that. We need to move. We need to buy another property. We'll be obliged to possibly bought investment property. Yeah. But if we look to move, it'll be worth more money as such, if that makes sense. Like, it it it's going it's going to cost us money to move. Yeah. Yeah. Yeah. But yeah. That's probably about it. That's all we're, yeah, looking to do at this stage, I reckon. Yeah. Yep. Yep. That's another thing. Yes. For sure. Even earlier if I can. Yep. So when yes. So when can I access my Subaru? Am I '60 or am I '67? Or '60. You're right. I thought I'd be right. Yeah. Right. I thought I'd be 67. I don't know why. Yep. Mhmm. Yep. Yep. Yep. Yeah. Right. Beautiful. Yeah. Nice. Yep. Sensational. Yeah. No. That's that's yeah. No. That's that's that's actually made me happy. Probably the only like, the only thing that I really hate is paying tax. Honestly, I hate paying tax. If we can come up with some strategies, I don't know what we can do. Potentially, I pay a lot of tax. Well, both Jackie and I, we pay a lot of tax, which is great. If you're paying tax, you're earning money. That's great. But I want to reduce paying so much. I don't know how. That's yeah. Yeah. Yep. Yep. Yeah. Yep. Yep. Yep. Yes. Yes. That's disappointing, isn't it? Yeah. Yeah. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yep. Yep. I'd yeah. I probably still need to look at I'd say this year, I'll max out, what would you say, super or, like, when I say max out at 15% tax rate. I should be looking to do that moving forward, I imagine. Keep maxing that out. What's the maximum? Is is it up to $30, or is it 27 r? Yep. Isn't good. They're really stuffing me around. Yeah. It's probably not as silly as it sounds. So how do I go about working out what my catch up could be? Yep. Yep. So when I say catch up, does that have to go straight from payroll from work, or can I grab money out of the bank and put it in? Yep. Okay. Yeah. Right. There we go. Nice. Alright. Mhmm. Yep. Mhmm. Yeah. Yeah. And I've still got another and I've still got another pay to come in, I imagine. I still got yeah. Because yeah. Because I'm on salary, and I get paid monthly. So I'll still I'll still have one to come. Yep. Yep. Yes. Yeah. Yep. Yep. Yeah. Beautiful. Well, we might look at doing that. So, yeah, if you can send me through a word and let us know what I'm gonna do, because I'll probably I'll I'll I'll have to get on to that. Yep. Yep. Yep. Yeah. Right now. Yep. Yep. Yeah. Nice. That sounds good. Perfect. No. Probably not at this stage. But, yeah, I just want I yeah. I just want I just want to talk about, yeah, contributions moving forward. Do will or do they increase per year? Do they follow inflation and such or anything? Yep. Yep. Yep. Yep. Yep. Yeah. Right. Yeah. Alright. Yeah. So we should be looking at maxing it out this year. As I well well, like and putting that extra in. And then next year, probably need to look at salary sacrificing more straight out of my yeah. They yeah. Yeah. They they owed me plenty this year, but yeah. Because I think you'll see one yeah. There's one yeah. There's a couple of pay cycles there where I was paid probably more than what I'm usually paid. Yeah. Yep. So and I think yeah. They owe me a bit of money. Anyway Yep. Yep. Yep. Yep. Yep. Bye. Yep. Mhmm. Yep. Yep. Mhmm. Yeah. Right now. Yeah. Right now. Yep. Too easy. No. Yep. Yep. That'll be sensational, please. Yep. Yep. Alright. That'll be great. No. You too. Thank you. Alright. Okay. Bye.","confidence":0.98339844,"words":[{"word":"hello","start":0.71999997,"end":1.12,"confidence":0.9116211,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.02519354224205017},{"word":"paul","start":1.12,"end":1.36,"confidence":0.99902344,"punctuated_word":"Paul","sentiment":"neutral","sentiment_score":0.015287368558347223},{"word":"speaking","start":1.36,"end":1.86,"confidence":0.9995117,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.0268402062356472},{"word":"good","start":5.92,"end":6.3199997,"confidence":0.9523926,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5236645936965942},{"word":"thanks","start":6.3199997,"end":6.56,"confidence":0.9980469,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5528196096420288},{"word":"how","start":6.56,"end":6.72,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.3143409490585327},{"word":"are","start":6.72,"end":6.96,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28691405057907104},{"word":"you","start":6.96,"end":7.46,"confidence":1.0,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.4022353291511536},{"word":"yeah","start":12.88,"end":13.12,"confidence":0.99072266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14834588766098022},{"word":"that's","start":13.12,"end":13.44,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.215915247797966},{"word":"fine","start":13.44,"end":13.84,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2073659896850586},{"word":"yep","start":13.84,"end":14.34,"confidence":0.9995117,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19463446736335752},{"word":"pretty","start":17.685,"end":17.925,"confidence":0.9370117,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":-0.00528862327337265},{"word":"busy","start":17.925,"end":18.425,"confidence":0.9758301,"punctuated_word":"busy.","sentiment":"neutral","sentiment_score":0.06617018580436707},{"word":"not","start":18.485,"end":18.645,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.0717884972691536},{"word":"too","start":18.645,"end":18.805,"confidence":0.99316406,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.021633051335811615},{"word":"bad","start":18.805,"end":19.125,"confidence":0.9543457,"punctuated_word":"bad,","sentiment":"neutral","sentiment_score":0.05622638761997223},{"word":"mate","start":19.125,"end":19.625,"confidence":0.84643555,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.092997744679451},{"word":"how","start":19.925,"end":20.165,"confidence":0.87841797,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.06714218109846115},{"word":"about","start":20.165,"end":20.325,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10180438309907912},{"word":"yours","start":20.325,"end":20.825,"confidence":0.77441406,"punctuated_word":"yours?","sentiment":"neutral","sentiment_score":0.09334083646535872},{"word":"good","start":22.805,"end":23.305,"confidence":0.9001465,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.3059096336364746},{"word":"yeah","start":25.045,"end":25.365,"confidence":0.97680664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1737966537475586},{"word":"nice","start":25.365,"end":25.865,"confidence":0.83447266,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4163999259471894},{"word":"very","start":26.645,"end":27.044998,"confidence":0.99121094,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.5162253975868225},{"word":"good","start":27.044998,"end":27.544998,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.44683367013931274},{"word":"i'm","start":36.83,"end":37.07,"confidence":0.96240234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05701733753085136},{"word":"not","start":37.07,"end":37.31,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07114960253238678},{"word":"too","start":37.31,"end":37.55,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.08443593978881836},{"word":"sure","start":37.55,"end":38.03,"confidence":0.97753906,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.07103578746318817},{"word":"i","start":38.03,"end":38.11,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07795874029397964},{"word":"don't","start":38.11,"end":38.35,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07305778563022614},{"word":"know","start":38.35,"end":38.83,"confidence":0.9230957,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.07005685567855835},{"word":"when","start":38.83,"end":39.07,"confidence":0.99902344,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.04196563363075256},{"word":"did","start":39.07,"end":39.23,"confidence":0.65966797,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.046086445450782776},{"word":"we","start":39.23,"end":39.31,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.029396746307611465},{"word":"touch","start":39.31,"end":39.55,"confidence":0.95410156,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.028902331367135048},{"word":"base","start":39.55,"end":39.79,"confidence":0.63256836,"punctuated_word":"base?","sentiment":"neutral","sentiment_score":-0.03185104578733444},{"word":"probably","start":39.79,"end":40.11,"confidence":0.97509766,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.017556358128786087},{"word":"last","start":40.11,"end":40.27,"confidence":0.82177734,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.011160939931869509},{"word":"one","start":40.27,"end":40.510002,"confidence":0.734375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.01858962699770927},{"word":"inch","start":40.510002,"end":40.67,"confidence":0.37231445,"punctuated_word":"inch,","sentiment":"neutral","sentiment_score":-0.015398471616208552},{"word":"were","start":40.67,"end":40.83,"confidence":0.6948242,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.025588588789105415},{"word":"you","start":40.83,"end":41.33,"confidence":0.9838867,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.022508718073368073},{"word":"i","start":41.71,"end":41.95,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.033516645431518555},{"word":"imagine","start":41.95,"end":42.45,"confidence":0.98657227,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":-0.03750057891011238},{"word":"i","start":45.755,"end":45.915,"confidence":0.81347656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.050252098590135574},{"word":"don't","start":45.915,"end":46.315,"confidence":0.95996094,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04814832657575607},{"word":"think","start":46.315,"end":46.635002,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04365632683038711},{"word":"so","start":46.635002,"end":47.135002,"confidence":0.9921875,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.05424041301012039},{"word":"we","start":47.195,"end":47.435,"confidence":0.98535156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.042186759412288666},{"word":"probably","start":47.435,"end":47.755,"confidence":0.75683594,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.04814372956752777},{"word":"just","start":47.755,"end":47.915,"confidence":0.76660156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06489374488592148},{"word":"run","start":47.915,"end":48.075,"confidence":0.9614258,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.03603026270866394},{"word":"over","start":48.075,"end":48.315,"confidence":0.89501953,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.03623811155557632},{"word":"them","start":48.315,"end":48.475,"confidence":0.63378906,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.03930564969778061},{"word":"numbers","start":48.475,"end":48.795,"confidence":0.99902344,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.04268231242895126},{"word":"again","start":48.795,"end":49.035,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.0555611252784729},{"word":"if","start":49.035,"end":49.275,"confidence":0.9223633,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.052557870745658875},{"word":"we","start":49.275,"end":49.355,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03043264150619507},{"word":"need","start":49.355,"end":49.595,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.037017274647951126},{"word":"to","start":49.595,"end":50.095,"confidence":0.99609375,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.03568416088819504},{"word":"yep","start":50.555,"end":51.055,"confidence":0.9645996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01338228490203619},{"word":"yep","start":52.555,"end":53.055,"confidence":0.99853516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09462615102529526},{"word":"yep","start":66.740005,"end":67.240005,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0752921998500824},{"word":"yep","start":71.700005,"end":72.200005,"confidence":0.9736328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04456201195716858},{"word":"alright","start":72.485,"end":72.885,"confidence":0.9875488,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.09573893249034882},{"word":"yep","start":72.885,"end":73.244995,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09070717543363573},{"word":"sounds","start":73.244995,"end":73.604996,"confidence":0.9980469,"punctuated_word":"Sounds","sentiment":"neutral","sentiment_score":0.13328593969345093},{"word":"good","start":73.604996,"end":74.104996,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.21103766560554504},{"word":"yeah","start":84.085,"end":84.405,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09116017818450928},{"word":"that's","start":84.405,"end":84.725,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13357585668563843},{"word":"fine","start":84.725,"end":85.225,"confidence":0.9941406,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.15472276508808136},{"word":"so","start":94.86,"end":95.259995,"confidence":0.9526367,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.024086974561214447},{"word":"paul","start":95.259995,"end":95.5,"confidence":0.9667969,"punctuated_word":"Paul","sentiment":"neutral","sentiment_score":0.03152741119265556},{"word":"monaghan","start":95.5,"end":96.0,"confidence":0.78841144,"punctuated_word":"Monaghan,","sentiment":"neutral","sentiment_score":0.030645273625850677},{"word":"the","start":96.299995,"end":96.46,"confidence":0.4885254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03009078837931156},{"word":"tenth","start":96.46,"end":96.78,"confidence":0.9135742,"punctuated_word":"tenth","sentiment":"neutral","sentiment_score":0.04658898711204529},{"word":"of","start":96.78,"end":96.86,"confidence":0.8408203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02599726803600788},{"word":"the","start":96.86,"end":97.02,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030133062973618507},{"word":"ninth","start":97.02,"end":97.42,"confidence":0.51171875,"punctuated_word":"ninth","sentiment":"neutral","sentiment_score":0.02896454557776451},{"word":"nineteen","start":97.42,"end":97.82,"confidence":0.47851562,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.03126676380634308},{"word":"eighty","start":97.82,"end":98.06,"confidence":0.72021484,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.02534003183245659},{"word":"nine","start":98.06,"end":98.46,"confidence":0.99902344,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.018905766308307648},{"word":"in","start":98.46,"end":98.86,"confidence":0.8852539,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.016040422022342682},{"word":"james","start":98.86,"end":99.259995,"confidence":0.99609375,"punctuated_word":"James","sentiment":"neutral","sentiment_score":0.018633177503943443},{"word":"o'donnell","start":99.259995,"end":99.759995,"confidence":0.9593099,"punctuated_word":"O'Donnell","sentiment":"neutral","sentiment_score":0.024688031524419785},{"word":"drive","start":99.82,"end":100.32,"confidence":0.92993164,"punctuated_word":"Drive,","sentiment":"neutral","sentiment_score":0.024936150759458545},{"word":"barnesville","start":100.53999,"end":101.03999,"confidence":0.55704755,"punctuated_word":"Barnesville.","sentiment":"neutral","sentiment_score":0.03672782704234123},{"word":"yeah","start":114.095,"end":114.415,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02797063998878002},{"word":"i","start":114.415,"end":114.495,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03326573222875595},{"word":"have","start":114.495,"end":114.735,"confidence":0.97265625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.029846809804439545},{"word":"that","start":114.735,"end":114.975006,"confidence":0.76000977,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.030960332602262497},{"word":"look","start":114.975006,"end":115.215004,"confidence":0.96435547,"punctuated_word":"Look","sentiment":"neutral","sentiment_score":0.033977191895246506},{"word":"at","start":115.215004,"end":115.295006,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05368678271770477},{"word":"that","start":115.295006,"end":115.535,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.04876009374856949},{"word":"yep","start":115.535,"end":115.89,"confidence":0.9995117,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09597992897033691},{"word":"sure","start":116.93,"end":117.43,"confidence":0.94921875,"punctuated_word":"Sure","sentiment":"neutral","sentiment_score":0.3313308358192444},{"word":"have","start":123.25,"end":123.75,"confidence":0.8210449,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.19044165313243863},{"word":"yeah","start":125.57,"end":126.07,"confidence":0.9790039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04924849793314934},{"word":"yep","start":140.985,"end":141.39,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14828385412693024},{"word":"yep","start":157.995,"end":158.495,"confidence":0.9440918,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4132893085479736},{"word":"yes","start":180.19,"end":180.69,"confidence":0.8027344,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.37882253527641296},{"word":"yes","start":184.27,"end":184.77,"confidence":0.89990234,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08587803691625595},{"word":"probably","start":195.815,"end":196.315,"confidence":0.9482422,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.03802656754851341},{"word":"not","start":196.375,"end":196.875,"confidence":0.94384766,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05340230464935303},{"word":"really","start":196.935,"end":197.435,"confidence":0.98217773,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.06530459970235825},{"word":"probably","start":198.69499,"end":199.095,"confidence":0.9267578,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.024165820330381393},{"word":"just","start":199.095,"end":199.415,"confidence":0.9243164,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03031883575022221},{"word":"looking","start":199.415,"end":199.815,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.030955076217651367},{"word":"at","start":199.815,"end":199.975,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03564835712313652},{"word":"it","start":199.975,"end":200.28,"confidence":0.94506836,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.014202787540853024},{"word":"is","start":204.2,"end":204.28,"confidence":0.4338379,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0019664252176880836},{"word":"it","start":204.28,"end":204.32,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005071928724646568},{"word":"look","start":204.36,"end":204.6,"confidence":0.9370117,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0005228221416473389},{"word":"at","start":204.6,"end":204.76,"confidence":0.8078613,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.006216265261173248},{"word":"like","start":204.76,"end":205.08,"confidence":0.9904785,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.012911547906696796},{"word":"benelon","start":205.08,"end":205.58,"confidence":0.77490234,"punctuated_word":"Benelon,","sentiment":"neutral","sentiment_score":0.020228315144777295},{"word":"australian","start":205.8,"end":206.3,"confidence":0.9838867,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.04709833115339279},{"word":"equities","start":206.36,"end":206.84,"confidence":0.77905273,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":0.028433434665203094},{"word":"and","start":206.84,"end":207.08,"confidence":0.70166016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00347745418548584},{"word":"that","start":207.08,"end":207.24,"confidence":0.9453125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007481802254915237},{"word":"there","start":207.24,"end":207.74,"confidence":0.8144531,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.008722083643078804},{"word":"that","start":209.8,"end":210.04,"confidence":0.95410156,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.000402897596359253},{"word":"that's","start":210.12,"end":210.44,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.011992241255939009},{"word":"probably","start":210.44,"end":210.84,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.021783217787742615},{"word":"that's","start":210.84,"end":211.0,"confidence":0.9794922,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.01891598664224148},{"word":"probably","start":211.0,"end":211.31999,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.009929373860359192},{"word":"the","start":211.31999,"end":211.4,"confidence":0.9140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015197504311800005},{"word":"only","start":211.4,"end":211.56,"confidence":0.93603516,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.014058921486139296},{"word":"thing","start":211.56,"end":211.8,"confidence":0.99609375,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.02318596839904785},{"word":"i","start":211.8,"end":211.95999,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00987345352768898},{"word":"really","start":211.95999,"end":212.12,"confidence":0.9482422,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.007695212960243225},{"word":"look","start":212.12,"end":212.28,"confidence":0.98095703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.00162627175450325},{"word":"at","start":212.28,"end":212.44,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0018993839621543884},{"word":"is","start":212.44,"end":212.68,"confidence":0.58691406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022129807621240616},{"word":"it","start":212.68,"end":212.76,"confidence":0.7158203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.005946618504822254},{"word":"and","start":212.76,"end":212.92,"confidence":0.7919922,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0249510295689106},{"word":"i'm","start":212.92,"end":213.0,"confidence":0.9885254,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.057129185646772385},{"word":"like","start":213.0,"end":213.16,"confidence":0.9160156,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.022425999864935875},{"word":"it's","start":213.16,"end":213.4,"confidence":0.98950195,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10035761445760728},{"word":"probably","start":213.4,"end":213.72,"confidence":0.94921875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.10674738138914108},{"word":"the","start":213.72,"end":213.8,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1322290003299713},{"word":"one","start":213.8,"end":213.95999,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.13605934381484985},{"word":"that's","start":213.95999,"end":214.2,"confidence":0.9499512,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.13420286774635315},{"word":"not","start":214.2,"end":214.36,"confidence":0.98535156,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13372565805912018},{"word":"doing","start":214.36,"end":214.86,"confidence":0.9941406,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.18846184015274048},{"word":"not","start":214.965,"end":215.125,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14380347728729248},{"word":"doing","start":215.125,"end":215.525,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.16822107136249542},{"word":"too","start":215.525,"end":216.025,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.16610153019428253},{"word":"much","start":219.205,"end":219.44499,"confidence":0.9995117,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.0020525185391306877},{"word":"yep","start":219.44499,"end":219.94499,"confidence":0.84033203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03647683560848236},{"word":"yep","start":222.885,"end":223.385,"confidence":0.9797363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03724454343318939},{"word":"yes","start":237.91,"end":238.41,"confidence":0.8310547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0502784289419651},{"word":"yes","start":242.79001,"end":243.29001,"confidence":0.7963867,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.08024965226650238},{"word":"yeah","start":252.05501,"end":252.55501,"confidence":0.9111328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014299817383289335},{"word":"yep","start":252.695,"end":253.195,"confidence":0.7861328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03049830161035061},{"word":"yep","start":259.43,"end":259.93,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04948732256889343},{"word":"yep","start":266.79,"end":267.29,"confidence":0.89819336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09657096117734908},{"word":"yep","start":270.975,"end":271.475,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14766287803649902},{"word":"yep","start":284.21,"end":284.71,"confidence":0.951416,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09564517438411713},{"word":"i","start":302.77502,"end":302.935,"confidence":0.5751953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17787866294384003},{"word":"just","start":302.935,"end":303.095,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15240971744060516},{"word":"want","start":303.095,"end":303.33502,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.1834004819393158},{"word":"someone","start":303.33502,"end":303.575,"confidence":0.71435547,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.07399927824735641},{"word":"that's","start":303.575,"end":303.73502,"confidence":0.81884766,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.184041827917099},{"word":"gonna","start":303.73502,"end":303.975,"confidence":0.97314453,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.15356561541557312},{"word":"make","start":303.975,"end":304.135,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1323845535516739},{"word":"me","start":304.135,"end":304.295,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.21506349742412567},{"word":"money","start":304.295,"end":304.77502,"confidence":0.99658203,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.15059705078601837},{"word":"i","start":304.77502,"end":305.015,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3191549777984619},{"word":"shouldn't","start":305.015,"end":305.255,"confidence":0.99853516,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":-0.3100181818008423},{"word":"be","start":305.255,"end":305.495,"confidence":0.9838867,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3752204477787018},{"word":"like","start":305.495,"end":305.655,"confidence":0.88134766,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.4539138078689575},{"word":"that","start":305.655,"end":306.155,"confidence":0.7036133,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.24323292076587677},{"word":"yeah","start":308.59,"end":308.91,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14473915100097656},{"word":"i'm","start":308.91,"end":309.22998,"confidence":0.98779297,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11052948236465454},{"word":"pretty","start":309.22998,"end":309.47,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.17103125154972076},{"word":"upfront","start":309.47,"end":309.87,"confidence":0.6230469,"punctuated_word":"upfront","sentiment":"neutral","sentiment_score":-0.1593863070011139},{"word":"with","start":309.87,"end":310.11,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1646781861782074},{"word":"that","start":310.11,"end":310.35,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.05840446054935455},{"word":"yeah","start":310.35,"end":310.85,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04385721683502197},{"word":"yeah","start":310.91,"end":311.38998,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07393746078014374},{"word":"i'm","start":311.38998,"end":311.71,"confidence":0.7780762,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1030353531241417},{"word":"i'm","start":311.71,"end":311.78998,"confidence":0.9248047,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1113085150718689},{"word":"pretty","start":311.78998,"end":312.03,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.12870782613754272},{"word":"upfront","start":312.03,"end":312.43,"confidence":0.97265625,"punctuated_word":"upfront","sentiment":"neutral","sentiment_score":-0.0914805755019188},{"word":"with","start":312.43,"end":312.50998,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.10597053170204164},{"word":"that","start":312.50998,"end":312.66998,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.10347462445497511},{"word":"i","start":312.66998,"end":312.83,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12887856364250183},{"word":"just","start":312.83,"end":312.91,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09031424671411514},{"word":"wanna","start":312.91,"end":313.22998,"confidence":0.9667969,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.07155551016330719},{"word":"make","start":313.22998,"end":313.38998,"confidence":0.9819336,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.07883550971746445},{"word":"money","start":313.38998,"end":313.88998,"confidence":0.99316406,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.13281622529029846},{"word":"i","start":313.94998,"end":314.11,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3188658356666565},{"word":"don't","start":314.11,"end":314.27,"confidence":0.9951172,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.27066993713378906},{"word":"work","start":314.27,"end":314.50998,"confidence":0.9951172,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.23230774700641632},{"word":"for","start":314.50998,"end":314.75,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2356792688369751},{"word":"the","start":314.75,"end":314.83,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007880125194787979},{"word":"front","start":314.83,"end":315.06998,"confidence":0.82373047,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.006495053879916668},{"word":"of","start":315.06998,"end":315.15,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010231236927211285},{"word":"it","start":315.15,"end":315.65,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0031136348843574524},{"word":"yep","start":319.78998,"end":320.28998,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15912505984306335},{"word":"yes","start":334.185,"end":334.685,"confidence":0.9111328,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10970704257488252},{"word":"yep","start":337.95,"end":338.45,"confidence":0.9746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14767923951148987},{"word":"yep","start":346.11,"end":346.61,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10959094762802124},{"word":"yep","start":346.67,"end":347.17,"confidence":0.8913574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12288879603147508},{"word":"let's","start":348.67,"end":348.99,"confidence":0.79052734,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.3095521926879883},{"word":"do","start":348.99,"end":349.23,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4592142701148987},{"word":"that","start":349.23,"end":349.73,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2726772725582123},{"word":"yep","start":369.9,"end":370.4,"confidence":0.97436523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026205360889434814},{"word":"mhmm","start":375.74,"end":376.24,"confidence":0.9968262,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03146979957818985},{"word":"yep","start":383.945,"end":384.445,"confidence":0.81518555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0902918428182602},{"word":"yeah","start":394.98502,"end":395.305,"confidence":0.8391113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05582364276051521},{"word":"you're","start":395.305,"end":395.465,"confidence":0.6602783,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.07553492486476898},{"word":"right","start":395.465,"end":395.865,"confidence":0.5480957,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.09184233844280244},{"word":"yep","start":395.865,"end":396.365,"confidence":0.9406738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06998065114021301},{"word":"sounds","start":397.13,"end":397.45,"confidence":0.93359375,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.3767988383769989},{"word":"good","start":397.45,"end":397.95,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5565563440322876},{"word":"so","start":399.77002,"end":400.27002,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11166291683912276},{"word":"that","start":400.49002,"end":400.73,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09452609717845915},{"word":"11","start":400.73,"end":401.05002,"confidence":0.99121094,"punctuated_word":"11","sentiment":"neutral","sentiment_score":0.05291169136762619},{"word":"and","start":401.05002,"end":401.13,"confidence":0.88134766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06114371120929718},{"word":"a","start":401.13,"end":401.21002,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05898510664701462},{"word":"half","start":401.21002,"end":401.37,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.05633127689361572},{"word":"percent","start":401.37,"end":401.77002,"confidence":0.6760254,"punctuated_word":"percent,","sentiment":"neutral","sentiment_score":0.06881173700094223},{"word":"so","start":401.77002,"end":402.01,"confidence":0.66308594,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04476486146450043},{"word":"that","start":402.01,"end":402.17,"confidence":0.7036133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04221358895301819},{"word":"was","start":402.17,"end":402.41,"confidence":0.8833008,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03517324477434158},{"word":"made","start":402.41,"end":402.73,"confidence":0.9970703,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.039298586547374725},{"word":"for","start":402.73,"end":402.89,"confidence":0.9580078,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.033121898770332336},{"word":"the","start":402.89,"end":402.97,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0376959815621376},{"word":"last","start":402.97,"end":403.21002,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03839011490345001},{"word":"twelve","start":403.21002,"end":403.53,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.05018572509288788},{"word":"months","start":403.53,"end":404.03,"confidence":0.9572754,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.060257501900196075},{"word":"is","start":405.05002,"end":405.29,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009534021839499474},{"word":"that","start":405.29,"end":405.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02260827086865902},{"word":"net","start":405.93,"end":406.43,"confidence":0.9921875,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.01645055040717125},{"word":"of","start":406.49002,"end":406.65,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00892656110227108},{"word":"your","start":406.65,"end":406.97,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.004993557929992676},{"word":"fees","start":406.97,"end":407.37,"confidence":0.93969727,"punctuated_word":"fees?","sentiment":"neutral","sentiment_score":0.009666618891060352},{"word":"like","start":407.37,"end":407.61002,"confidence":0.95874023,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.009828705340623856},{"word":"is","start":407.61002,"end":407.77002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.012651842087507248},{"word":"that","start":407.77002,"end":408.27002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016552014276385307},{"word":"your","start":408.33002,"end":408.57,"confidence":0.52783203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.002019505947828293},{"word":"fees","start":408.57,"end":409.07,"confidence":0.8688965,"punctuated_word":"fees?","sentiment":"neutral","sentiment_score":0.004219936206936836},{"word":"yep","start":409.93,"end":410.25,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013070408254861832},{"word":"that","start":410.25,"end":410.75,"confidence":0.5595703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.01775822974741459},{"word":"yeah","start":414.215,"end":414.615,"confidence":0.9291992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04459333419799805},{"word":"righto","start":414.615,"end":414.935,"confidence":0.69262695,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.05086168274283409},{"word":"so","start":414.935,"end":415.095,"confidence":0.94628906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03987962007522583},{"word":"that's","start":415.095,"end":415.255,"confidence":0.95996094,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04400520771741867},{"word":"with","start":415.255,"end":415.495,"confidence":0.85253906,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04721660912036896},{"word":"your","start":415.495,"end":415.655,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03730197250843048},{"word":"fees","start":415.655,"end":415.975,"confidence":0.87841797,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.05072803050279617},{"word":"taken","start":415.975,"end":416.29498,"confidence":0.91503906,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.05729477480053902},{"word":"out","start":416.29498,"end":416.79498,"confidence":0.9511719,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.07506490498781204},{"word":"yeah","start":418.29498,"end":418.615,"confidence":0.8625488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1550692468881607},{"word":"righto","start":418.615,"end":419.115,"confidence":0.898112,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.07438212633132935},{"word":"yep","start":419.41498,"end":419.91498,"confidence":0.8310547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06183091923594475},{"word":"beautiful","start":419.975,"end":420.475,"confidence":0.9367676,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5031089782714844},{"word":"yeah","start":420.85498,"end":421.095,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2913641929626465},{"word":"righto","start":421.095,"end":421.595,"confidence":0.91048175,"punctuated_word":"Righto.","sentiment":"positive","sentiment_score":0.3382890820503235},{"word":"nice","start":422.535,"end":423.035,"confidence":0.86743164,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4301832318305969},{"word":"have","start":425.24002,"end":425.56,"confidence":0.98828125,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.02589789032936096},{"word":"you","start":425.56,"end":425.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02230247482657433},{"word":"i'm","start":427.16,"end":427.40002,"confidence":0.8786621,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0589938685297966},{"word":"sorry","start":427.40002,"end":427.88,"confidence":0.9904785,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.05031416565179825},{"word":"have","start":427.88,"end":428.12003,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.02500572055578232},{"word":"you","start":428.12003,"end":428.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017879772931337357},{"word":"got","start":428.28,"end":428.44,"confidence":0.9707031,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.019545797258615497},{"word":"a","start":428.44,"end":428.68002,"confidence":0.73828125,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":-0.017171360552310944},{"word":"like","start":428.68002,"end":429.08002,"confidence":0.9428711,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01593908667564392},{"word":"a","start":429.08002,"end":429.24002,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008323200047016144},{"word":"since","start":430.2,"end":430.52002,"confidence":0.9951172,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.014046711847186089},{"word":"i've","start":430.52002,"end":430.76,"confidence":0.9909668,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.01076843123883009},{"word":"joined","start":430.76,"end":431.08002,"confidence":1.0,"punctuated_word":"joined","sentiment":"neutral","sentiment_score":-0.017207875847816467},{"word":"you","start":431.08002,"end":431.24002,"confidence":0.9921875,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.01367882639169693},{"word":"have","start":431.24002,"end":431.40002,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.012096727266907692},{"word":"you","start":431.40002,"end":431.48,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009526697918772696},{"word":"got","start":431.48,"end":431.64,"confidence":0.9790039,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.011101588606834412},{"word":"an","start":431.64,"end":431.80002,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.013099605217576029},{"word":"average","start":431.80002,"end":432.12,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":-0.0283978208899498},{"word":"of","start":432.12,"end":432.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018672456964850426},{"word":"what","start":432.28,"end":432.44,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01935232430696487},{"word":"i've","start":432.44,"end":432.94,"confidence":0.96191406,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.011692090891301632},{"word":"made","start":433.64,"end":434.14,"confidence":0.88256836,"punctuated_word":"made?","sentiment":"neutral","sentiment_score":-0.014784756116569042},{"word":"does","start":434.28,"end":434.52002,"confidence":0.9316406,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.007540812715888023},{"word":"that","start":434.52002,"end":434.76,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0032362621277570724},{"word":"make","start":434.76,"end":434.92,"confidence":0.77441406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.008078384213149548},{"word":"sense","start":434.92,"end":435.42,"confidence":0.9680176,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.0018027066253125668},{"word":"for","start":436.545,"end":436.785,"confidence":0.99609375,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.02342560701072216},{"word":"the","start":436.785,"end":436.86502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019243843853473663},{"word":"last","start":436.86502,"end":437.36502,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.026800306513905525},{"word":"i","start":437.825,"end":437.98502,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026822924613952637},{"word":"think","start":437.98502,"end":438.14502,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.01867525465786457},{"word":"it's","start":438.14502,"end":438.30502,"confidence":0.98291016,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.011352621018886566},{"word":"been","start":438.30502,"end":438.625,"confidence":0.8588867,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":0.01041330024600029},{"word":"yeah","start":438.625,"end":438.86502,"confidence":0.91674805,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.017995070666074753},{"word":"three","start":438.86502,"end":439.185,"confidence":0.93359375,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0046065449714660645},{"word":"three","start":439.185,"end":439.505,"confidence":0.85058594,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.0018994826823472977},{"word":"to","start":439.505,"end":439.665,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006121441721916199},{"word":"four","start":439.665,"end":439.825,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.009184010326862335},{"word":"years","start":439.825,"end":440.065,"confidence":0.87402344,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.00167771615087986},{"word":"maybe","start":440.065,"end":440.385,"confidence":1.0,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.000015011057257652284},{"word":"three","start":440.385,"end":440.545,"confidence":0.99316406,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.005136501044034958},{"word":"years","start":440.545,"end":441.045,"confidence":0.9719238,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.013797935098409653},{"word":"yep","start":445.185,"end":445.685,"confidence":0.95874023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.051238059997558594},{"word":"yeah","start":455.6,"end":455.91998,"confidence":0.8720703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06503939628601074},{"word":"righto","start":455.91998,"end":456.41998,"confidence":0.7150879,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.0819888710975647},{"word":"yep","start":456.47998,"end":456.97998,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07996642589569092},{"word":"yeah","start":460.995,"end":461.495,"confidence":0.8840332,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06923343241214752},{"word":"yep","start":470.435,"end":470.935,"confidence":0.8015137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2145269811153412},{"word":"no","start":472.995,"end":473.235,"confidence":0.8547363,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.14045245945453644},{"word":"that's","start":473.235,"end":473.555,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2277078628540039},{"word":"good","start":473.555,"end":474.055,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.177866593003273},{"word":"very","start":475.92,"end":476.32,"confidence":0.99609375,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.4735178351402282},{"word":"good","start":476.32,"end":476.82,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3864357471466065},{"word":"yep","start":505.495,"end":505.86,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.061638243496418},{"word":"yep","start":515.54,"end":516.04,"confidence":0.7609863,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.040519725531339645},{"word":"yeah","start":518.66,"end":519.16,"confidence":0.9433594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03845776244997978},{"word":"mhmm","start":527.135,"end":527.635,"confidence":0.9227295,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.008192452602088451},{"word":"yep","start":541.57,"end":542.07,"confidence":0.9367676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09525271505117416},{"word":"yeah","start":561.345,"end":561.845,"confidence":0.88427734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03238717466592789},{"word":"yep","start":563.105,"end":563.605,"confidence":0.86621094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0004905834794044495},{"word":"yeah","start":571.83997,"end":572.33997,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002681933343410492},{"word":"probably","start":572.63995,"end":573.04,"confidence":0.9941406,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.05667903646826744},{"word":"just","start":573.04,"end":573.19995,"confidence":0.6767578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05046790465712547},{"word":"at","start":573.19995,"end":573.36,"confidence":0.8935547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08485402911901474},{"word":"this","start":573.36,"end":573.51996,"confidence":0.63134766,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.07248327136039734},{"word":"stage","start":573.51996,"end":573.92,"confidence":0.7858887,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":-0.07895410060882568},{"word":"like","start":573.92,"end":574.42,"confidence":0.888916,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08923816680908203},{"word":"i","start":574.63995,"end":574.8,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08491254597902298},{"word":"am","start":574.8,"end":574.95996,"confidence":0.9970703,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.06987392157316208},{"word":"only","start":574.95996,"end":575.27997,"confidence":0.97998047,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07171853631734848},{"word":"still","start":575.27997,"end":575.51996,"confidence":0.8967285,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":-0.07010692358016968},{"word":"what","start":575.51996,"end":575.83997,"confidence":0.8125,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":-0.05939464643597603},{"word":"36","start":575.83997,"end":576.63995,"confidence":0.88916016,"punctuated_word":"36,","sentiment":"neutral","sentiment_score":-0.0297248438000679},{"word":"10","start":576.63995,"end":576.8,"confidence":0.96875,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.025425877422094345},{"word":"towards","start":576.8,"end":577.19995,"confidence":0.90283203,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.03752779960632324},{"word":"37","start":577.19995,"end":577.93994,"confidence":0.9869385,"punctuated_word":"37.","sentiment":"neutral","sentiment_score":-0.031215284019708633},{"word":"i","start":578.295,"end":578.535,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04755459725856781},{"word":"think","start":578.535,"end":578.77496,"confidence":0.9536133,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04162289947271347},{"word":"i'm","start":578.77496,"end":579.015,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06627495586872101},{"word":"still","start":579.015,"end":579.515,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.036209821701049805},{"word":"young","start":579.975,"end":580.375,"confidence":0.9980469,"punctuated_word":"young","sentiment":"neutral","sentiment_score":0.05538134276866913},{"word":"enough","start":580.375,"end":580.855,"confidence":0.9970703,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.1125822514295578},{"word":"really","start":580.855,"end":581.255,"confidence":0.74902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.13190937042236328},{"word":"to","start":581.255,"end":581.575,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13569007813930511},{"word":"stay","start":581.575,"end":582.075,"confidence":0.9941406,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.19131265580654144},{"word":"high","start":582.535,"end":582.77496,"confidence":0.9614258,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.1757645606994629},{"word":"growth","start":582.77496,"end":583.27496,"confidence":0.94311523,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.13571755588054657},{"word":"like","start":583.495,"end":583.815,"confidence":0.9589844,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.011246370151638985},{"word":"i","start":583.815,"end":583.975,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01035483181476593},{"word":"still","start":583.975,"end":584.21497,"confidence":0.97509766,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1692168116569519},{"word":"got","start":584.21497,"end":584.695,"confidence":0.8520508,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.19642804563045504},{"word":"a","start":584.695,"end":584.855,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17991162836551666},{"word":"long","start":584.855,"end":585.095,"confidence":0.5654297,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.18085572123527527},{"word":"time","start":585.095,"end":585.575,"confidence":0.984375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.1508610099554062},{"word":"of","start":585.575,"end":585.735,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14275602996349335},{"word":"work","start":585.735,"end":586.055,"confidence":0.9707031,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.17949770390987396},{"word":"unfortunately","start":586.055,"end":586.555,"confidence":1.0,"punctuated_word":"unfortunately.","sentiment":"neutral","sentiment_score":-0.17857053875923157},{"word":"yes","start":592.135,"end":592.47,"confidence":0.92626953,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.054534751921892166},{"word":"yes","start":600.70996,"end":601.20996,"confidence":0.7546387,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05252760648727417},{"word":"yep","start":611.075,"end":611.575,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.34064024686813354},{"word":"yep","start":635.17,"end":635.67,"confidence":0.9794922,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12124260514974594},{"word":"yeah","start":641.345,"end":641.845,"confidence":0.94873047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0597040057182312},{"word":"yep","start":641.985,"end":642.485,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09446954727172852},{"word":"no","start":643.185,"end":643.685,"confidence":0.8203125,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0518365353345871},{"word":"very","start":644.065,"end":644.385,"confidence":0.9970703,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":0.2852773666381836},{"word":"good","start":644.385,"end":644.885,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2825648784637451},{"word":"yeah","start":659.91,"end":660.41,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2599877119064331},{"word":"yes","start":676.425,"end":676.925,"confidence":0.7766113,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4100075364112854},{"word":"yep","start":682.12,"end":682.62,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11654788255691528},{"word":"yep","start":683.0,"end":683.5,"confidence":0.92871094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11018380522727966},{"word":"yep","start":695.685,"end":696.185,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05089978501200676},{"word":"yep","start":708.63,"end":709.13,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09499527513980864},{"word":"if","start":726.34503,"end":726.585,"confidence":0.6640625,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.10777683556079865},{"word":"it","start":726.585,"end":726.66504,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12727022171020508},{"word":"doesn't","start":726.66504,"end":726.905,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.12398816645145416},{"word":"cost","start":726.905,"end":727.22504,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.06238797679543495},{"word":"anything","start":727.22504,"end":727.625,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.10666386783123016},{"word":"to","start":727.625,"end":727.78503,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1005602404475212},{"word":"have","start":727.78503,"end":727.945,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09944458305835724},{"word":"a","start":727.945,"end":728.025,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10461436957120895},{"word":"look","start":728.025,"end":728.185,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07881516218185425},{"word":"at","start":728.185,"end":728.265,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0905209258198738},{"word":"it","start":728.265,"end":728.34503,"confidence":0.98046875,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.14462389051914215},{"word":"i'm","start":728.34503,"end":728.585,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.244396910071373},{"word":"always","start":728.585,"end":728.825,"confidence":0.9980469,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.27382105588912964},{"word":"willing","start":728.825,"end":729.145,"confidence":0.99902344,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":0.20721435546875},{"word":"to","start":729.145,"end":729.22504,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19817674160003665},{"word":"have","start":729.22504,"end":729.385,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.209314227104187},{"word":"a","start":729.385,"end":729.465,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21730726957321167},{"word":"look","start":729.465,"end":729.625,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17067274451255798},{"word":"at","start":729.625,"end":729.78503,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16629336774349213},{"word":"something","start":729.78503,"end":730.28503,"confidence":0.98291016,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1467667520046234},{"word":"that's","start":730.745,"end":731.22504,"confidence":0.9812012,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1339363306760788},{"word":"just","start":731.22504,"end":731.465,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10712049156427383},{"word":"as","start":731.465,"end":731.625,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14583995938301086},{"word":"good","start":731.625,"end":731.865,"confidence":0.7702637,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.1858085989952087},{"word":"but","start":731.865,"end":732.025,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1087408885359764},{"word":"i'm","start":732.025,"end":732.185,"confidence":0.9560547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09166159480810164},{"word":"not","start":732.185,"end":732.34503,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.049698762595653534},{"word":"paying","start":732.34503,"end":732.66504,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.0017391890287399292},{"word":"as","start":732.66504,"end":732.825,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.041386306285858154},{"word":"many","start":732.825,"end":733.065,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.049476705491542816},{"word":"fees","start":733.065,"end":733.305,"confidence":0.9645996,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":-0.021074846386909485},{"word":"i'm","start":733.305,"end":733.465,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3364092707633972},{"word":"always","start":733.465,"end":733.78503,"confidence":0.99902344,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.4193609356880188},{"word":"happy","start":733.78503,"end":734.025,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.3479774594306946},{"word":"to","start":734.025,"end":734.185,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30566057562828064},{"word":"have","start":734.185,"end":734.265,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31454846262931824},{"word":"a","start":734.265,"end":734.34503,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34759268164634705},{"word":"look","start":734.34503,"end":734.73,"confidence":0.9946289,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.20761613547801971},{"word":"yep","start":743.76996,"end":744.26996,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0029105129651725292},{"word":"yeah","start":759.265,"end":759.765,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3755362629890442},{"word":"yeah","start":762.3,"end":762.54,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3022211790084839},{"word":"right","start":762.54,"end":763.04,"confidence":0.63012695,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.1914611458778381},{"word":"yeah","start":772.3,"end":772.8,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022361995652318},{"word":"yeah","start":772.94,"end":773.44,"confidence":0.8769531,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0033967364579439163},{"word":"yep","start":780.655,"end":781.155,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04556914418935776},{"word":"yeah","start":786.89,"end":787.39,"confidence":0.79785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.061610691249370575},{"word":"yeah","start":787.69,"end":787.93,"confidence":0.7614746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09051701426506042},{"word":"i'm","start":787.93,"end":788.25,"confidence":0.9921875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12031909078359604},{"word":"still","start":788.25,"end":788.41003,"confidence":0.99121094,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11998293548822404},{"word":"happy","start":788.41003,"end":788.73,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.18590235710144043},{"word":"with","start":788.73,"end":788.89,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2133565694093704},{"word":"that","start":788.89,"end":789.13,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.14392691850662231},{"word":"yep","start":789.13,"end":789.61,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10270354151725768},{"word":"yep","start":789.61,"end":790.11,"confidence":0.99853516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16176185011863708},{"word":"i","start":791.53,"end":791.69,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0956227481365204},{"word":"don't","start":791.69,"end":791.93,"confidence":0.9926758,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02142886072397232},{"word":"think","start":791.93,"end":792.09,"confidence":0.83203125,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06120377779006958},{"word":"it'll","start":792.09,"end":792.25,"confidence":0.954834,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.06875092536211014},{"word":"worry","start":792.25,"end":792.57,"confidence":0.9838867,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":-0.09380441904067992},{"word":"me","start":792.57,"end":792.73,"confidence":0.9838867,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0627652108669281},{"word":"too","start":792.73,"end":792.89,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.07895632833242416},{"word":"much","start":792.89,"end":793.39,"confidence":0.9995117,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.055724628269672394},{"word":"i'll","start":795.21,"end":795.37,"confidence":0.98168945,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.10945987701416016},{"word":"be","start":795.37,"end":795.61,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17583681643009186},{"word":"dead","start":795.61,"end":796.11,"confidence":0.9550781,"punctuated_word":"dead.","sentiment":"neutral","sentiment_score":-0.15245993435382843},{"word":"anyway","start":801.455,"end":801.695,"confidence":0.8076172,"punctuated_word":"Anyway","sentiment":"neutral","sentiment_score":-0.03496835380792618},{"word":"no","start":801.935,"end":802.335,"confidence":0.9831543,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.015627216547727585},{"word":"all","start":802.335,"end":802.415,"confidence":0.890625,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.05557913705706597},{"word":"good","start":802.415,"end":802.655,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.03077026829123497},{"word":"sorry","start":802.655,"end":803.155,"confidence":0.99902344,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.01761227659881115},{"word":"no","start":813.91,"end":814.41,"confidence":0.83984375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.04323292896151543},{"word":"it's","start":814.70996,"end":814.79,"confidence":0.95092773,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.16516554355621338},{"word":"all","start":814.79,"end":815.02997,"confidence":0.890625,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24742522835731504},{"word":"good","start":815.02997,"end":815.35,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.16928334534168243},{"word":"i","start":815.35,"end":815.43,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22459422051906583},{"word":"do","start":815.43,"end":815.67,"confidence":0.9560547,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28726840019226074},{"word":"can","start":815.67,"end":815.99,"confidence":0.2993164,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.19387662410736084},{"word":"so","start":815.99,"end":816.49,"confidence":0.5942383,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07872390002012253},{"word":"yeah","start":816.63,"end":817.13,"confidence":0.9797363,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09437704086303712},{"word":"yep","start":819.02997,"end":819.52997,"confidence":0.9243164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15959838032722473},{"word":"yeah","start":831.275,"end":831.675,"confidence":0.8183594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03913194686174393},{"word":"we","start":831.675,"end":832.175,"confidence":0.98095703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.037111882120370865},{"word":"so","start":832.475,"end":832.975,"confidence":0.9526367,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.045009590685367584},{"word":"so","start":833.355,"end":833.515,"confidence":0.92578125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05464979633688927},{"word":"we're","start":833.515,"end":833.755,"confidence":0.9880371,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06006259843707085},{"word":"fully","start":833.755,"end":834.075,"confidence":0.99902344,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.11776860058307648},{"word":"offset","start":834.075,"end":834.575,"confidence":0.9855957,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.047674693167209625},{"word":"we","start":834.635,"end":835.135,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04334573447704315},{"word":"we","start":835.435,"end":835.675,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0527670681476593},{"word":"still","start":835.675,"end":835.915,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07293814420700073},{"word":"have","start":835.915,"end":836.075,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.051998384296894073},{"word":"loans","start":836.075,"end":836.475,"confidence":0.9091797,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.0752616673707962},{"word":"open","start":836.475,"end":836.975,"confidence":0.90649414,"punctuated_word":"open,","sentiment":"neutral","sentiment_score":0.05982798710465431},{"word":"but","start":838.15497,"end":838.395,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.01552661880850792},{"word":"it's","start":838.395,"end":838.635,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01883484050631523},{"word":"fully","start":838.635,"end":838.875,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.03809697553515434},{"word":"offset","start":838.875,"end":839.375,"confidence":0.9926758,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.004491779953241348},{"word":"yeah","start":844.84,"end":845.24,"confidence":0.7069092,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02353806421160698},{"word":"there's","start":845.24,"end":845.56,"confidence":0.8696289,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.05373604595661163},{"word":"nothing","start":845.56,"end":845.88,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.07059314846992493},{"word":"there","start":845.88,"end":846.2,"confidence":0.9921875,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.07054516673088074},{"word":"it's","start":846.2,"end":846.44,"confidence":0.94799805,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0006897449493408203},{"word":"it's","start":846.44,"end":846.68,"confidence":0.6956787,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0069826096296310425},{"word":"it's","start":846.92,"end":847.08,"confidence":0.6230469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.026065584272146225},{"word":"literally","start":847.08,"end":847.58,"confidence":0.26586914,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":-0.05195847898721695},{"word":"we","start":848.44,"end":848.68,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05475433915853501},{"word":"owe","start":848.68,"end":848.84,"confidence":0.85058594,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.02701843343675137},{"word":"money","start":848.84,"end":849.16003,"confidence":0.9980469,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.009475424885749815},{"word":"because","start":849.16003,"end":849.4,"confidence":0.97314453,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.00885041058063507},{"word":"we","start":849.4,"end":849.56,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05196342617273331},{"word":"wanna","start":849.56,"end":849.8,"confidence":0.89453125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10163657367229462},{"word":"keep","start":849.8,"end":849.96,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.13147291541099548},{"word":"the","start":849.96,"end":850.12,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07913796603679657},{"word":"loan","start":850.12,"end":850.36,"confidence":0.6323242,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.11103155463933943},{"word":"open","start":850.36,"end":850.60004,"confidence":0.99609375,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.12253529578447342},{"word":"at","start":850.60004,"end":850.68,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06313608586788177},{"word":"this","start":850.68,"end":851.0,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.048504382371902466},{"word":"stage","start":851.0,"end":851.5,"confidence":0.8210449,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":0.018022876232862473},{"word":"this","start":851.96,"end":852.2,"confidence":0.66064453,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.16877976059913635},{"word":"way","start":852.2,"end":852.7,"confidence":0.16784668,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.048418305814266205},{"word":"yeah","start":853.48,"end":853.98,"confidence":0.9482422,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08355443179607391},{"word":"yeah","start":856.97504,"end":857.47504,"confidence":0.93725586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12145109474658966},{"word":"yep","start":859.775,"end":860.275,"confidence":0.9863281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12736530601978302},{"word":"yep","start":860.97504,"end":861.215,"confidence":0.78027344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1694147288799286},{"word":"yep","start":861.215,"end":861.715,"confidence":0.6937256,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3253488540649414},{"word":"no","start":871.83,"end":872.07,"confidence":0.79174805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08202049136161804},{"word":"i'd","start":872.07,"end":872.23004,"confidence":0.99658203,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.08161778748035431},{"word":"leave","start":872.23004,"end":872.47003,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.09714832156896593},{"word":"it","start":872.47003,"end":872.63,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06216450035572052},{"word":"around","start":872.63,"end":872.87,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.12044386565685272},{"word":"there","start":872.87,"end":873.37,"confidence":0.9597168,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.04662073776125908},{"word":"yeah","start":874.87,"end":875.37,"confidence":0.9213867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10170663893222807},{"word":"yeah","start":880.63,"end":881.11005,"confidence":0.986084,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01715482585132122},{"word":"i","start":881.11005,"end":881.27,"confidence":0.6064453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009625088423490524},{"word":"don't","start":881.27,"end":881.59,"confidence":0.95874023,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0177176333963871},{"word":"know","start":881.59,"end":881.75,"confidence":0.6098633,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03950061649084091},{"word":"what","start":881.75,"end":881.99005,"confidence":0.97314453,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.039741527289152145},{"word":"they're","start":881.99005,"end":882.07,"confidence":0.8791504,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.024206137284636497},{"word":"worth","start":882.07,"end":882.39,"confidence":0.97802734,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.023884862661361694},{"word":"these","start":882.39,"end":882.63,"confidence":0.9980469,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.029665537178516388},{"word":"days","start":882.63,"end":882.79004,"confidence":0.94091797,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.014234308153390884},{"word":"but","start":882.79004,"end":883.155,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.006906978785991669},{"word":"i'll","start":883.875,"end":884.03503,"confidence":0.51867676,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08183535933494568},{"word":"be","start":884.03503,"end":884.195,"confidence":0.90478516,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08501636981964111},{"word":"around","start":884.195,"end":884.515,"confidence":0.82128906,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.02497733011841774},{"word":"that","start":884.515,"end":884.755,"confidence":0.60302734,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.005721762776374817},{"word":"i","start":884.755,"end":884.91504,"confidence":0.8432617,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.029824182391166687},{"word":"don't","start":884.91504,"end":884.99506,"confidence":0.9890137,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.035407982766628265},{"word":"know","start":884.99506,"end":885.49506,"confidence":0.99316406,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.004456125199794769},{"word":"yeah","start":887.23505,"end":887.73505,"confidence":0.8198242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07026363164186478},{"word":"yeah","start":892.11505,"end":892.275,"confidence":0.82592773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.058018624782562256},{"word":"we're","start":892.275,"end":892.43506,"confidence":0.814209,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.08812163770198822},{"word":"right","start":892.43506,"end":892.93506,"confidence":0.8039551,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.09951867163181304},{"word":"yep","start":893.395,"end":893.895,"confidence":0.90527344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08381001651287079},{"word":"for","start":894.515,"end":894.835,"confidence":0.51220703,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.07496646046638489},{"word":"sure","start":894.835,"end":895.335,"confidence":0.9975586,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.0942695215344429},{"word":"2,000","start":895.79504,"end":896.35504,"confidence":0.92456055,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.0692695826292038},{"word":"seven","start":896.35504,"end":896.67505,"confidence":0.4915161,"punctuated_word":"seven,","sentiment":"neutral","sentiment_score":0.19093868136405945},{"word":"man","start":896.67505,"end":896.835,"confidence":0.35614014,"punctuated_word":"man.","sentiment":"neutral","sentiment_score":0.17073702812194824},{"word":"it's","start":896.835,"end":897.075,"confidence":0.90185547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.20815762877464297},{"word":"very","start":897.075,"end":897.315,"confidence":0.49047852,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.17031249403953552},{"word":"it's","start":897.395,"end":897.635,"confidence":0.97631836,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1751420497894287},{"word":"a","start":897.635,"end":897.715,"confidence":0.8520508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16025042533874512},{"word":"it's","start":897.715,"end":897.955,"confidence":0.98999023,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15574893355369568},{"word":"a","start":897.955,"end":898.03503,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18238797783851624},{"word":"hot","start":898.03503,"end":898.275,"confidence":0.8911133,"punctuated_word":"hot","sentiment":"neutral","sentiment_score":0.15622402727603912},{"word":"run","start":898.275,"end":898.775,"confidence":0.73669434,"punctuated_word":"run.","sentiment":"neutral","sentiment_score":0.1619897186756134},{"word":"yeah","start":902.81,"end":903.31,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010868027806282043},{"word":"yeah","start":904.09,"end":904.57,"confidence":0.9082031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02220330946147442},{"word":"yeah","start":904.57,"end":905.07,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022329214960336685},{"word":"yeah","start":905.53,"end":906.01,"confidence":0.98168945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018346060067415237},{"word":"that's","start":906.01,"end":906.33,"confidence":0.79589844,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.034676432609558105},{"word":"me","start":906.33,"end":906.57,"confidence":0.67871094,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03067559376358986},{"word":"work","start":906.57,"end":907.07,"confidence":0.4864502,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.043886516243219376},{"word":"alright","start":909.37,"end":909.87,"confidence":0.8395996,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1079079732298851},{"word":"yeah","start":913.125,"end":913.625,"confidence":0.729126,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06294316053390503},{"word":"yep","start":914.805,"end":915.305,"confidence":0.9604492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07427489012479782},{"word":"yeah","start":923.205,"end":923.705,"confidence":0.9641113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004605062305927277},{"word":"well","start":923.845,"end":924.005,"confidence":0.9382324,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.02035832777619362},{"word":"i","start":924.005,"end":924.165,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.033747993409633636},{"word":"couldn't","start":924.165,"end":924.485,"confidence":0.9995117,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.028588518500328064},{"word":"tell","start":924.485,"end":924.645,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.025463474914431572},{"word":"you","start":924.645,"end":925.125,"confidence":0.9772949,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.02092832885682583},{"word":"it'll","start":925.125,"end":925.445,"confidence":0.4802246,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":-0.010932018980383871},{"word":"be","start":925.445,"end":925.605,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.004275481216609478},{"word":"roughly","start":925.605,"end":925.925,"confidence":0.99121094,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":-0.04978914558887482},{"word":"that","start":925.925,"end":926.245,"confidence":0.671875,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.026778429746627808},{"word":"possibly","start":926.245,"end":926.745,"confidence":0.9892578,"punctuated_word":"Possibly","sentiment":"neutral","sentiment_score":-0.03497753664851189},{"word":"more","start":926.805,"end":927.045,"confidence":0.8742676,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.03690927103161812},{"word":"possibly","start":927.045,"end":927.545,"confidence":0.9970703,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.03872380033135414},{"word":"less","start":927.605,"end":927.845,"confidence":0.75683594,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.04842076450586319},{"word":"but","start":927.845,"end":928.005,"confidence":0.80371094,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.07728393375873566},{"word":"yeah","start":928.005,"end":928.245,"confidence":0.99316406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.08066536486148834},{"word":"that","start":928.245,"end":928.405,"confidence":0.9404297,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07329551130533218},{"word":"seems","start":928.405,"end":928.725,"confidence":0.59765625,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":-0.08312110602855682},{"word":"to","start":928.725,"end":928.805,"confidence":0.83251953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09231884032487868},{"word":"be","start":928.805,"end":929.1,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08595951646566391},{"word":"right","start":935.57996,"end":935.74,"confidence":0.96069336,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.03312741592526436},{"word":"yeah","start":935.74,"end":936.24,"confidence":0.77612305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03123476728796959},{"word":"yep","start":939.57996,"end":940.07996,"confidence":0.6784668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.007441205438226461},{"word":"yep","start":940.38,"end":940.88,"confidence":0.9223633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.001946755452081561},{"word":"yep","start":943.18,"end":943.545,"confidence":0.94873047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04370145499706268},{"word":"i","start":957.09,"end":957.33,"confidence":0.5185547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0026269908994436264},{"word":"think","start":957.33,"end":957.57,"confidence":0.8745117,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.015114637091755869},{"word":"i'm","start":957.57,"end":957.73004,"confidence":0.9172363,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0087824035435915},{"word":"probably","start":957.73004,"end":958.05005,"confidence":0.9819336,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.00102849118411541},{"word":"sitting","start":958.05005,"end":958.37,"confidence":0.9863281,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.01812482811510563},{"word":"around","start":958.37,"end":958.61005,"confidence":0.5732422,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.030008425936102867},{"word":"200","start":958.61005,"end":959.35004,"confidence":0.90405273,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.025161871686577797},{"word":"roughly","start":961.49005,"end":961.99005,"confidence":0.98535156,"punctuated_word":"roughly.","sentiment":"neutral","sentiment_score":0.31100088357925415},{"word":"that's","start":965.81,"end":966.05005,"confidence":0.5319824,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3739727437496186},{"word":"what","start":966.05005,"end":966.29004,"confidence":0.9404297,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.250876784324646},{"word":"i","start":966.29004,"end":966.37,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2218180745840073},{"word":"keep","start":966.37,"end":966.61005,"confidence":0.96972656,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.14079982042312622},{"word":"telling","start":966.61005,"end":966.93005,"confidence":0.99902344,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":0.27748188376426697},{"word":"them","start":966.93005,"end":967.43005,"confidence":0.8952637,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.2763664126396179},{"word":"that's","start":969.275,"end":969.435,"confidence":0.9904785,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.32052847743034363},{"word":"what","start":969.435,"end":969.675,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2074834555387497},{"word":"i","start":969.675,"end":969.835,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.235247403383255},{"word":"keep","start":969.835,"end":970.155,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.26950129866600037},{"word":"telling","start":970.155,"end":970.395,"confidence":0.99609375,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":0.1203511282801628},{"word":"them","start":970.395,"end":970.895,"confidence":0.9736328,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.2103845775127411},{"word":"yeah","start":971.675,"end":972.175,"confidence":0.90771484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07007886469364166},{"word":"anyway","start":972.47504,"end":972.97504,"confidence":0.4951172,"punctuated_word":"Anyway","sentiment":"neutral","sentiment_score":0.01708275079727173},{"word":"no","start":984.74,"end":985.24,"confidence":0.7597656,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.017446022480726242},{"word":"i","start":985.86,"end":985.98,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04237643629312515},{"word":"i","start":985.98,"end":986.10004,"confidence":0.67529297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06463487446308136},{"word":"think","start":986.10004,"end":986.34,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1246125102043152},{"word":"we","start":986.34,"end":986.5,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14369991421699524},{"word":"do","start":986.5,"end":986.74,"confidence":0.96875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20939841866493225},{"word":"quite","start":986.74,"end":986.9,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.259834885597229},{"word":"well","start":986.9,"end":987.22003,"confidence":0.93115234,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.3015914857387543},{"word":"simon","start":987.22003,"end":987.72003,"confidence":0.6990967,"punctuated_word":"Simon.","sentiment":"neutral","sentiment_score":0.24543392658233645},{"word":"there's","start":988.10004,"end":988.42,"confidence":0.7780762,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.07135060429573059},{"word":"probably","start":988.42,"end":988.82,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03801020607352257},{"word":"more","start":988.82,"end":988.98004,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.043014977127313614},{"word":"than","start":988.98004,"end":989.22003,"confidence":0.99316406,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.023828834295272827},{"word":"that","start":989.22003,"end":989.62,"confidence":0.79052734,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03171006590127945},{"word":"yeah","start":989.62,"end":990.12,"confidence":0.76708984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04328597709536552},{"word":"it'd","start":990.26,"end":990.74,"confidence":0.65893555,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":0.042912811040878296},{"word":"be","start":990.74,"end":990.82,"confidence":0.97998047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03167221322655678},{"word":"a","start":990.82,"end":990.9,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11678529530763626},{"word":"lot","start":990.9,"end":991.14,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.08515837043523788},{"word":"more","start":991.14,"end":991.3,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05811882764101029},{"word":"than","start":991.3,"end":991.46,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.06945525109767914},{"word":"that","start":991.46,"end":991.96,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07998084276914597},{"word":"with","start":992.18,"end":992.42,"confidence":0.3449707,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07147111743688583},{"word":"what's","start":992.42,"end":992.92,"confidence":0.96899414,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.12030186504125596},{"word":"fitting","start":993.06,"end":993.46,"confidence":0.33538818,"punctuated_word":"fitting.","sentiment":"neutral","sentiment_score":0.10561107099056244},{"word":"right","start":993.46,"end":993.96,"confidence":0.7290039,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.08447585254907608},{"word":"you're","start":1010.925,"end":1011.08496,"confidence":0.7155762,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.06447434425354004},{"word":"right","start":1011.08496,"end":1011.58496,"confidence":0.9941406,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.10545064508914948},{"word":"yes","start":1015.14,"end":1015.38,"confidence":0.89501953,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04079443961381912},{"word":"let's","start":1015.38,"end":1015.62,"confidence":0.9946289,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.02488316223025322},{"word":"do","start":1015.62,"end":1015.86005,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04983629286289215},{"word":"that","start":1015.86005,"end":1016.36005,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03555106371641159},{"word":"yep","start":1022.74005,"end":1023.24005,"confidence":0.9523926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.061171822249889374},{"word":"yep","start":1025.3,"end":1025.8,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07417330145835876},{"word":"yep","start":1027.3,"end":1027.8,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08848118782043457},{"word":"yeah","start":1027.86,"end":1028.18,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13361208140850067},{"word":"i","start":1028.18,"end":1028.42,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17481271922588348},{"word":"i","start":1028.42,"end":1028.5,"confidence":0.8491211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2169291526079178},{"word":"should","start":1028.5,"end":1028.74,"confidence":0.9980469,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2416825145483017},{"word":"do","start":1028.74,"end":1028.9,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2495322972536087},{"word":"that","start":1028.9,"end":1029.225,"confidence":0.9941406,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2077646553516388},{"word":"yep","start":1031.225,"end":1031.725,"confidence":0.8479004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08630417287349701},{"word":"that'd","start":1040.505,"end":1040.825,"confidence":0.85131836,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.08673577010631561},{"word":"be","start":1040.825,"end":1041.065,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10631665587425232},{"word":"sensational","start":1041.065,"end":1041.565,"confidence":0.99853516,"punctuated_word":"sensational.","sentiment":"neutral","sentiment_score":0.06868010014295578},{"word":"yep","start":1043.865,"end":1044.24,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02384042739868164},{"word":"yep","start":1044.32,"end":1044.4,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023573055863380432},{"word":"that'd","start":1044.4,"end":1044.72,"confidence":0.93237305,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.017216816544532776},{"word":"be","start":1044.72,"end":1045.22,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.019103815779089928},{"word":"sensational","start":1048.96,"end":1049.46,"confidence":1.0,"punctuated_word":"sensational.","sentiment":"neutral","sentiment_score":-0.004140171222388744},{"word":"yep","start":1058.515,"end":1059.015,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009576701559126375},{"word":"yep","start":1066.275,"end":1066.775,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03964977711439133},{"word":"yeah","start":1069.555,"end":1070.055,"confidence":0.89282227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017363514751195908},{"word":"yep","start":1073.61,"end":1074.11,"confidence":0.814209,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.020626336336135864},{"word":"yep","start":1089.1749,"end":1089.6749,"confidence":0.88842773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10380999743938446},{"word":"yep","start":1090.0549,"end":1090.215,"confidence":0.9111328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1713448464870453},{"word":"beautiful","start":1090.215,"end":1090.715,"confidence":0.9663086,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6385703086853027},{"word":"yep","start":1098.695,"end":1099.195,"confidence":0.9519043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09509001672267914},{"word":"yep","start":1101.335,"end":1101.45,"confidence":0.7758789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09093919396400452},{"word":"yep","start":1126.425,"end":1126.925,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04483318328857422},{"word":"well","start":1140.46,"end":1140.62,"confidence":0.9411621,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.027592550963163376},{"word":"i'm","start":1140.62,"end":1140.86,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03165515512228012},{"word":"willing","start":1140.86,"end":1141.1799,"confidence":0.9980469,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.015784181654453278},{"word":"to","start":1141.1799,"end":1141.34,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.011272739619016647},{"word":"cut","start":1141.34,"end":1141.58,"confidence":0.9970703,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.007944513112306595},{"word":"deals","start":1141.58,"end":1142.08,"confidence":0.99072266,"punctuated_word":"deals.","sentiment":"neutral","sentiment_score":-0.00491986982524395},{"word":"we'll","start":1145.0549,"end":1145.215,"confidence":0.75146484,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.04142813757061958},{"word":"put","start":1145.215,"end":1145.455,"confidence":0.9614258,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.039276912808418274},{"word":"it","start":1145.455,"end":1145.5349,"confidence":0.8027344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06136998534202576},{"word":"this","start":1145.5349,"end":1145.7749,"confidence":0.56689453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08115646243095398},{"word":"well","start":1145.855,"end":1146.095,"confidence":0.986084,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.12459669262170792},{"word":"if","start":1146.095,"end":1146.255,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1398172676563263},{"word":"we","start":1146.255,"end":1146.335,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0943121463060379},{"word":"do","start":1146.335,"end":1146.575,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1265760362148285},{"word":"better","start":1146.575,"end":1146.895,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.11653336882591248},{"word":"than","start":1146.895,"end":1147.0549,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.14813756942749023},{"word":"11","start":1147.0549,"end":1147.455,"confidence":0.9921875,"punctuated_word":"11","sentiment":"neutral","sentiment_score":0.13492029905319214},{"word":"half","start":1147.455,"end":1147.615,"confidence":0.45703125,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.13362407684326172},{"word":"percent","start":1147.615,"end":1148.015,"confidence":0.9177246,"punctuated_word":"percent,","sentiment":"neutral","sentiment_score":0.12020672112703323},{"word":"let's","start":1148.015,"end":1148.1749,"confidence":0.95214844,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.08881239593029022},{"word":"say","start":1148.1749,"end":1148.4149,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.12719744443893433},{"word":"we","start":1148.4149,"end":1148.495,"confidence":0.7993164,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11714556068181992},{"word":"go","start":1148.495,"end":1148.815,"confidence":0.44482422,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1460583508014679},{"word":"13%","start":1148.815,"end":1149.635,"confidence":0.8890381,"punctuated_word":"13%,","sentiment":"neutral","sentiment_score":0.15203510224819183},{"word":"i'm","start":1150.1749,"end":1150.335,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2009363025426865},{"word":"happy","start":1150.335,"end":1150.575,"confidence":0.9838867,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.22120195627212524},{"word":"to","start":1150.575,"end":1150.735,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20298238098621368},{"word":"pay","start":1150.735,"end":1150.975,"confidence":0.91259766,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.18476688861846924},{"word":"you","start":1150.975,"end":1151.135,"confidence":0.7355957,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.16995982825756073},{"word":"like","start":1151.135,"end":1151.455,"confidence":0.9946289,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.19150638580322263},{"word":"1.2%","start":1151.455,"end":1152.575,"confidence":0.97546387,"punctuated_word":"1.2%.","sentiment":"neutral","sentiment_score":0.1234048455953598},{"word":"but","start":1152.575,"end":1152.815,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.022627752274274823},{"word":"if","start":1152.815,"end":1153.0549,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03284202888607979},{"word":"we","start":1153.0549,"end":1153.135,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0006954558193683624},{"word":"don't","start":1153.135,"end":1153.375,"confidence":0.9880371,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03012624755501747},{"word":"go","start":1153.375,"end":1153.5349,"confidence":0.77685547,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.009240061044692991},{"word":"better","start":1153.5349,"end":1153.7749,"confidence":0.33203125,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.02950889617204666},{"word":"than","start":1153.7749,"end":1153.9349,"confidence":0.9921875,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.02752199023962021},{"word":"that","start":1153.9349,"end":1154.255,"confidence":0.99658203,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0044088177382946014},{"word":"i'll","start":1154.255,"end":1154.495,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0009313449263572692},{"word":"pay","start":1154.495,"end":1154.735,"confidence":0.8425293,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":0.005247987806797028},{"word":"like","start":1154.735,"end":1155.0549,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0529642254114151},{"word":"point","start":1155.0549,"end":1155.2949,"confidence":0.9921875,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.03531560301780701},{"word":"nine","start":1155.2949,"end":1155.7949,"confidence":0.95874023,"punctuated_word":"nine.","sentiment":"neutral","sentiment_score":0.013530129566788672},{"word":"and","start":1157.135,"end":1157.375,"confidence":0.62353516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10076199471950532},{"word":"how's","start":1157.375,"end":1157.615,"confidence":0.7988281,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.12940464913845062},{"word":"that","start":1157.615,"end":1157.7749,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.163080096244812},{"word":"for","start":1157.7749,"end":1157.9349,"confidence":0.16479492,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1677333116531372},{"word":"you","start":1157.9349,"end":1158.4349,"confidence":0.98950195,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.14053675532341003},{"word":"yep","start":1173.1649,"end":1173.6649,"confidence":0.83984375,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.543024480342865},{"word":"yep","start":1174.9249,"end":1175.4249,"confidence":0.7253418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13305720686912537},{"word":"yeah","start":1183.325,"end":1183.485,"confidence":0.85717773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16335873305797577},{"word":"yep","start":1183.485,"end":1183.985,"confidence":0.9255371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15977589786052704},{"word":"yep","start":1189.3,"end":1189.8,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03456529229879379},{"word":"yep","start":1190.9,"end":1191.4,"confidence":0.99853516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.051440685987472534},{"word":"yep","start":1215.415,"end":1215.915,"confidence":0.90112305,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.38106295466423035},{"word":"yep","start":1219.23,"end":1219.73,"confidence":0.9675293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06924393773078918},{"word":"no","start":1234.9651,"end":1235.4651,"confidence":0.9609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.010153630748391151},{"word":"yep","start":1251.98,"end":1252.48,"confidence":0.7717285,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1260555386543274},{"word":"yep","start":1276.98,"end":1277.2999,"confidence":0.94018555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1478678435087204},{"word":"so","start":1277.2999,"end":1277.46,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06321363151073456},{"word":"what","start":1277.46,"end":1277.7,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.053300924599170685},{"word":"what","start":1277.7,"end":1277.86,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03817674517631531},{"word":"were","start":1277.86,"end":1278.02,"confidence":0.9560547,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.04222616553306579},{"word":"the","start":1278.02,"end":1278.1799,"confidence":0.3869629,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03356283903121948},{"word":"numbers","start":1278.1799,"end":1278.58,"confidence":0.9980469,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.04527769237756729},{"word":"again","start":1278.58,"end":1279.08,"confidence":0.9951172,"punctuated_word":"again?","sentiment":"neutral","sentiment_score":0.056556351482868195},{"word":"yep","start":1280.6599,"end":1281.1599,"confidence":0.72143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04392044246196747},{"word":"yeah","start":1287.775,"end":1288.015,"confidence":0.92578125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07262405008077621},{"word":"righto","start":1288.015,"end":1288.495,"confidence":0.77457684,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.09895817935466766},{"word":"so","start":1288.495,"end":1288.8151,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1020023375749588},{"word":"twenty's","start":1288.8151,"end":1289.3151,"confidence":0.6533203,"punctuated_word":"twenty's","sentiment":"neutral","sentiment_score":0.10983622074127196},{"word":"like","start":1289.4551,"end":1289.615,"confidence":0.9658203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10613387823104858},{"word":"like","start":1289.615,"end":1289.935,"confidence":0.69750977,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11522909998893738},{"word":"anything","start":1289.935,"end":1290.255,"confidence":0.7836914,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.14076444506645203},{"word":"over","start":1290.255,"end":1290.495,"confidence":0.8354492,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1039939746260643},{"word":"20","start":1290.495,"end":1290.8151,"confidence":0.8972168,"punctuated_word":"20,","sentiment":"neutral","sentiment_score":0.12371127307415009},{"word":"you're","start":1290.8151,"end":1291.055,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10385367274284364},{"word":"expecting","start":1291.055,"end":1291.4551,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.09924069046974182},{"word":"a","start":1291.4551,"end":1291.535,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07725126296281815},{"word":"little","start":1291.535,"end":1291.6951,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.049577582627534866},{"word":"bit","start":1291.6951,"end":1291.855,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04035762697458267},{"word":"of","start":1291.855,"end":1292.015,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04804284498095512},{"word":"volatility","start":1292.015,"end":1292.515,"confidence":0.7163086,"punctuated_word":"volatility.","sentiment":"neutral","sentiment_score":0.04418357461690903},{"word":"and","start":1292.8151,"end":1293.135,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.041283536702394485},{"word":"below","start":1293.135,"end":1293.615,"confidence":0.9980469,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.04036213830113411},{"word":"that","start":1293.615,"end":1294.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07020564377307892},{"word":"yeah","start":1294.735,"end":1294.975,"confidence":0.982666,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08955387026071548},{"word":"righto","start":1294.975,"end":1295.475,"confidence":0.9916992,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.13866114616394043},{"word":"yep","start":1297.135,"end":1297.635,"confidence":0.75439453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13536213338375092},{"word":"yeah","start":1297.935,"end":1298.255,"confidence":0.9682617,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17926397919654846},{"word":"righto","start":1298.255,"end":1298.755,"confidence":0.95686847,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.23873627185821533},{"word":"yep","start":1320.2051,"end":1320.7051,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29588770866394043},{"word":"yes","start":1330.7799,"end":1331.2799,"confidence":0.7279053,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12440074980258942},{"word":"yes","start":1331.58,"end":1332.08,"confidence":0.7697754,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16527925431728363},{"word":"so","start":1332.38,"end":1332.88,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2552497982978821},{"word":"so","start":1333.0199,"end":1333.5199,"confidence":0.4189453,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3722688257694245},{"word":"just","start":1333.58,"end":1333.8999,"confidence":0.91845703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11413826793432236},{"word":"going","start":1333.8999,"end":1334.22,"confidence":0.9428711,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.038607291877269745},{"word":"back","start":1334.22,"end":1334.38,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.027849573642015457},{"word":"a","start":1334.38,"end":1334.5399,"confidence":0.9482422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02391524612903595},{"word":"step","start":1334.5399,"end":1335.0399,"confidence":0.7451172,"punctuated_word":"step,","sentiment":"neutral","sentiment_score":0.044875841587781906},{"word":"the","start":1335.4199,"end":1335.74,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04805240035057068},{"word":"1.1%","start":1335.74,"end":1336.7,"confidence":0.99731445,"punctuated_word":"1.1%","sentiment":"neutral","sentiment_score":0.0420641116797924},{"word":"that","start":1336.7,"end":1336.86,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.030724428594112396},{"word":"we","start":1336.86,"end":1337.0199,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03780834376811981},{"word":"like","start":1337.1799,"end":1337.4199,"confidence":0.7897949,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.041537728160619736},{"word":"fees","start":1337.4199,"end":1337.74,"confidence":0.95166016,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.05934485048055649},{"word":"that","start":1337.74,"end":1337.8999,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03952806442975998},{"word":"we","start":1337.8999,"end":1338.3999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03542845696210861},{"word":"pay","start":1338.46,"end":1338.96,"confidence":0.795166,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":0.04793696850538254},{"word":"and","start":1339.74,"end":1340.0599,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02718939632177353},{"word":"that's","start":1340.0599,"end":1340.38,"confidence":0.98535156,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.031481485813856125},{"word":"and","start":1341.0349,"end":1341.195,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02002205327153206},{"word":"that","start":1341.195,"end":1341.2749,"confidence":0.9394531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02505891770124435},{"word":"is","start":1341.355,"end":1341.4349,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015493031591176988},{"word":"that","start":1341.4349,"end":1341.9349,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018592413514852524},{"word":"capped","start":1342.115,"end":1342.615,"confidence":0.9111328,"punctuated_word":"capped","sentiment":"neutral","sentiment_score":0.021232211962342262},{"word":"at","start":1342.7949,"end":1342.955,"confidence":0.96533203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0211572740226984},{"word":"500,000","start":1342.955,"end":1344.575,"confidence":0.9967448,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.03082920983433723},{"word":"or","start":1344.7949,"end":1345.2949,"confidence":0.84765625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.024866832420229912},{"word":"600","start":1345.755,"end":1346.475,"confidence":0.8778076,"punctuated_word":"600?","sentiment":"neutral","sentiment_score":0.028615809977054596},{"word":"yep","start":1346.475,"end":1346.7949,"confidence":0.9238281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06331217288970947},{"word":"okay","start":1346.7949,"end":1347.2949,"confidence":0.96850586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12073789536952972},{"word":"beautiful","start":1347.9149,"end":1348.4149,"confidence":0.9941406,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4726787805557251},{"word":"yep","start":1355.115,"end":1355.615,"confidence":0.9296875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29912781715393066},{"word":"yep","start":1358.48,"end":1358.8,"confidence":0.9108887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07541680335998535},{"word":"that's","start":1358.8,"end":1359.12,"confidence":0.9172363,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.050437308847904205},{"word":"the","start":1359.12,"end":1359.2,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04905637353658676},{"word":"plan","start":1359.2,"end":1359.7,"confidence":0.9995117,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.049441635608673096},{"word":"yep","start":1363.36,"end":1363.86,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.025068655610084537},{"word":"yep","start":1366.0,"end":1366.5,"confidence":0.7841797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05757148191332817},{"word":"alright","start":1366.96,"end":1367.46,"confidence":0.9848633,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.14010414481163025},{"word":"yep","start":1397.645,"end":1398.145,"confidence":0.79125977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1026294156908989},{"word":"yeah","start":1404.445,"end":1404.765,"confidence":0.9030762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06023304909467697},{"word":"righto","start":1404.765,"end":1405.265,"confidence":0.7706706,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.08875671029090881},{"word":"yep","start":1405.405,"end":1405.905,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10734762996435164},{"word":"we","start":1414.58,"end":1414.82,"confidence":0.9589844,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.00938921608030796},{"word":"are","start":1414.82,"end":1414.98,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01078454777598381},{"word":"looking","start":1414.98,"end":1415.2999,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.007433913648128509},{"word":"to","start":1415.2999,"end":1415.46,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0030140839517116547},{"word":"move","start":1415.46,"end":1415.94,"confidence":0.91552734,"punctuated_word":"move,","sentiment":"neutral","sentiment_score":-0.02919621579349041},{"word":"buy","start":1415.94,"end":1416.1,"confidence":0.9970703,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.04281359165906906},{"word":"another","start":1416.1,"end":1416.4199,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.029201187193393707},{"word":"property","start":1416.4199,"end":1416.9199,"confidence":0.98583984,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.01124882698059082},{"word":"i","start":1417.22,"end":1417.38,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05510054528713226},{"word":"don't","start":1417.38,"end":1417.62,"confidence":0.99658203,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04977493733167648},{"word":"know","start":1417.62,"end":1418.1,"confidence":0.9916992,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.033953070640563965},{"word":"we","start":1418.1,"end":1418.34,"confidence":0.9951172,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.012874118983745577},{"word":"yeah","start":1418.98,"end":1419.46,"confidence":0.98657227,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.018308205530047417},{"word":"we","start":1419.46,"end":1419.7,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0059041716158390045},{"word":"do","start":1419.7,"end":1419.86,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01767035946249962},{"word":"need","start":1419.86,"end":1420.1,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.005643736571073532},{"word":"to","start":1420.1,"end":1420.1799,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0009862706065177915},{"word":"move","start":1420.1799,"end":1420.6799,"confidence":0.99365234,"punctuated_word":"move.","sentiment":"neutral","sentiment_score":0.003515923395752907},{"word":"it's","start":1421.78,"end":1422.02,"confidence":0.97094727,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0558924674987793},{"word":"as","start":1422.02,"end":1422.1,"confidence":0.96777344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07002168893814087},{"word":"simple","start":1422.1,"end":1422.4199,"confidence":1.0,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.041619673371315},{"word":"as","start":1422.4199,"end":1422.58,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04296761378645897},{"word":"that","start":1422.58,"end":1422.82,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.04273143410682678},{"word":"we","start":1422.82,"end":1423.0599,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.01117023080587387},{"word":"need","start":1423.0599,"end":1423.22,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.010045282542705536},{"word":"to","start":1423.22,"end":1423.2999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021387886255979534},{"word":"move","start":1423.2999,"end":1423.46,"confidence":0.96875,"punctuated_word":"move.","sentiment":"neutral","sentiment_score":0.006157375872135162},{"word":"we","start":1423.46,"end":1423.62,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.008089695125818253},{"word":"need","start":1423.62,"end":1423.78,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.016851946711540222},{"word":"to","start":1423.78,"end":1423.86,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01174601912498474},{"word":"buy","start":1423.86,"end":1424.02,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.00971422716975212},{"word":"another","start":1424.02,"end":1424.34,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.0023621879518032074},{"word":"property","start":1424.34,"end":1424.84,"confidence":0.9970703,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.012474974617362022},{"word":"we'll","start":1425.515,"end":1425.835,"confidence":0.9362793,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.031135987490415573},{"word":"be","start":1425.835,"end":1425.995,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.001252979040145874},{"word":"obliged","start":1425.995,"end":1426.495,"confidence":0.54833984,"punctuated_word":"obliged","sentiment":"neutral","sentiment_score":0.011302683502435684},{"word":"to","start":1426.7949,"end":1427.115,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009201597422361374},{"word":"possibly","start":1427.115,"end":1427.515,"confidence":0.43798828,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.0043930672109127045},{"word":"bought","start":1427.515,"end":1427.835,"confidence":0.7675781,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.012603189796209335},{"word":"investment","start":1427.835,"end":1428.235,"confidence":0.6123047,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.01545879989862442},{"word":"property","start":1428.235,"end":1428.715,"confidence":0.9082031,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.003140438348054886},{"word":"yeah","start":1428.715,"end":1429.0349,"confidence":0.9626465,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020669370889663696},{"word":"but","start":1429.0349,"end":1429.2749,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.00984777882695198},{"word":"if","start":1429.2749,"end":1429.4349,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0019128043204545977},{"word":"we","start":1429.4349,"end":1429.515,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.008916858583688736},{"word":"look","start":1429.515,"end":1429.755,"confidence":0.9760742,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0001675523817539215},{"word":"to","start":1429.755,"end":1429.835,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009075332432985306},{"word":"move","start":1429.835,"end":1430.335,"confidence":0.9904785,"punctuated_word":"move,","sentiment":"neutral","sentiment_score":0.0015261787921190262},{"word":"it'll","start":1430.715,"end":1430.955,"confidence":0.97143555,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.012348903343081474},{"word":"be","start":1430.955,"end":1431.115,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.004984766244888306},{"word":"worth","start":1431.115,"end":1431.615,"confidence":1.0,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.0466395765542984},{"word":"more","start":1432.3949,"end":1432.715,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.05857551842927933},{"word":"money","start":1432.715,"end":1433.0349,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.01024201512336731},{"word":"as","start":1433.0349,"end":1433.2749,"confidence":0.90625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.006563425064086914},{"word":"such","start":1433.2749,"end":1433.515,"confidence":0.79541016,"punctuated_word":"such,","sentiment":"neutral","sentiment_score":0.00942712277173996},{"word":"if","start":1433.515,"end":1433.755,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03728951886296272},{"word":"that","start":1433.755,"end":1433.9149,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01841125637292862},{"word":"makes","start":1433.9149,"end":1434.235,"confidence":0.9550781,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.0017563104629516602},{"word":"sense","start":1434.235,"end":1434.5549,"confidence":0.9238281,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.012722115963697432},{"word":"like","start":1434.5549,"end":1434.875,"confidence":0.77075195,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.02443932928144932},{"word":"it","start":1434.875,"end":1435.195,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023752473294734955},{"word":"it","start":1435.195,"end":1435.2749,"confidence":0.68310547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01755928434431553},{"word":"it's","start":1435.355,"end":1435.595,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07884593307971954},{"word":"going","start":1435.595,"end":1435.9149,"confidence":0.9482422,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.06794130802154541},{"word":"it's","start":1435.9149,"end":1436.075,"confidence":0.9794922,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10306249558925629},{"word":"going","start":1436.075,"end":1436.3949,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.08782880008220673},{"word":"to","start":1436.3949,"end":1436.5549,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08235304057598114},{"word":"cost","start":1436.5549,"end":1436.7949,"confidence":0.99902344,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.051859889179468155},{"word":"us","start":1436.7949,"end":1436.955,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.08806201070547104},{"word":"money","start":1436.955,"end":1437.2749,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.07235299050807953},{"word":"to","start":1437.2749,"end":1437.4349,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09688543528318404},{"word":"move","start":1437.4349,"end":1437.9,"confidence":0.98950195,"punctuated_word":"move.","sentiment":"neutral","sentiment_score":-0.06873972713947296},{"word":"yeah","start":1439.74,"end":1440.24,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02090485766530037},{"word":"yeah","start":1441.02,"end":1441.52,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.016136107966303825},{"word":"yeah","start":1443.66,"end":1443.98,"confidence":0.96191406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.062440935522317886},{"word":"but","start":1443.98,"end":1444.48,"confidence":0.9453125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05694088712334633},{"word":"yeah","start":1445.1,"end":1445.42,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04200593382120133},{"word":"that's","start":1445.42,"end":1445.66,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06844132393598557},{"word":"probably","start":1445.66,"end":1445.98,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.08957403898239136},{"word":"about","start":1445.98,"end":1446.22,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08253107219934464},{"word":"it","start":1446.22,"end":1446.38,"confidence":0.99316406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.07732634246349335},{"word":"that's","start":1446.38,"end":1446.54,"confidence":0.9909668,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04938509687781334},{"word":"all","start":1446.54,"end":1446.7001,"confidence":0.99121094,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.050634268671274185},{"word":"we're","start":1446.7001,"end":1446.9401,"confidence":0.9091797,"punctuated_word":"we're,","sentiment":"neutral","sentiment_score":-0.03644724190235138},{"word":"yeah","start":1446.9401,"end":1447.18,"confidence":0.9914551,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.03027450107038021},{"word":"looking","start":1447.18,"end":1447.42,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.03050439804792404},{"word":"to","start":1447.42,"end":1447.5801,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.031243178993463516},{"word":"do","start":1447.5801,"end":1447.66,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04228832945227623},{"word":"at","start":1447.66,"end":1447.8201,"confidence":0.9790039,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.057097479701042175},{"word":"this","start":1447.8201,"end":1448.06,"confidence":0.9760742,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03470691666007042},{"word":"stage","start":1448.06,"end":1448.56,"confidence":0.8400879,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":-0.03066750057041645},{"word":"i","start":1449.74,"end":1449.9,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0723816454410553},{"word":"reckon","start":1449.9,"end":1450.4,"confidence":0.9995117,"punctuated_word":"reckon.","sentiment":"neutral","sentiment_score":-0.032290417701005936},{"word":"yeah","start":1460.105,"end":1460.605,"confidence":0.96850586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06451815366744995},{"word":"yep","start":1460.6649,"end":1461.1649,"confidence":0.9448242,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06371743977069855},{"word":"yep","start":1462.4249,"end":1462.9249,"confidence":0.86743164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15159401297569275},{"word":"that's","start":1463.7849,"end":1464.0249,"confidence":0.8898926,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.29621264338493347},{"word":"another","start":1464.0249,"end":1464.4249,"confidence":0.9790039,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.2023203819990158},{"word":"thing","start":1464.4249,"end":1464.9249,"confidence":0.9980469,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.21450884640216827},{"word":"yes","start":1471.9199,"end":1472.24,"confidence":0.98779297,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11390259116888046},{"word":"for","start":1472.24,"end":1472.3999,"confidence":0.9951172,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.09196674823760986},{"word":"sure","start":1472.3999,"end":1472.88,"confidence":0.99902344,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.09926281869411469},{"word":"even","start":1472.88,"end":1473.2,"confidence":0.56347656,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.0546439103782177},{"word":"earlier","start":1473.2,"end":1473.6,"confidence":0.98291016,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.04146070405840874},{"word":"if","start":1473.6,"end":1473.76,"confidence":0.7705078,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12744194269180298},{"word":"i","start":1473.76,"end":1473.84,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13278108835220337},{"word":"can","start":1473.84,"end":1474.34,"confidence":0.9995117,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.14834845066070557},{"word":"yep","start":1492.145,"end":1492.625,"confidence":0.8925781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05481068417429924},{"word":"so","start":1492.625,"end":1492.8651,"confidence":0.9667969,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03130628913640976},{"word":"when","start":1492.8651,"end":1493.25,"confidence":0.9760742,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.031329359859228134},{"word":"yes","start":1495.57,"end":1496.05,"confidence":0.97143555,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.0019207578152418137},{"word":"so","start":1496.05,"end":1496.37,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0010311054065823555},{"word":"when","start":1496.37,"end":1496.61,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0016875071451067924},{"word":"can","start":1496.61,"end":1496.77,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.001984282396733761},{"word":"i","start":1496.77,"end":1497.01,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0012348759919404984},{"word":"access","start":1497.01,"end":1497.33,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.0034102057106792927},{"word":"my","start":1497.33,"end":1497.49,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0057660252787172794},{"word":"subaru","start":1497.49,"end":1497.89,"confidence":0.69714355,"punctuated_word":"Subaru?","sentiment":"neutral","sentiment_score":0.003881879383698106},{"word":"am","start":1497.89,"end":1498.13,"confidence":0.9980469,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":-0.00039311032742261887},{"word":"i","start":1498.13,"end":1498.37,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0028161127120256424},{"word":"'60","start":1498.37,"end":1498.69,"confidence":0.69921875,"punctuated_word":"'60","sentiment":"neutral","sentiment_score":0.0005454476922750473},{"word":"or","start":1498.69,"end":1498.85,"confidence":0.6381836,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.004951097536832094},{"word":"am","start":1498.85,"end":1499.01,"confidence":0.99609375,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.007263768464326859},{"word":"i","start":1499.01,"end":1499.17,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0042854794301092625},{"word":"'67","start":1499.17,"end":1499.99,"confidence":0.9499512,"punctuated_word":"'67?","sentiment":"neutral","sentiment_score":-0.0046538859605789185},{"word":"or","start":1500.37,"end":1500.87,"confidence":0.93359375,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.009090594947338104},{"word":"'60","start":1501.89,"end":1502.39,"confidence":0.73535156,"punctuated_word":"'60.","sentiment":"neutral","sentiment_score":-0.0024646937381476164},{"word":"you're","start":1503.89,"end":1504.13,"confidence":0.7692871,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.01315186358988285},{"word":"right","start":1504.13,"end":1504.37,"confidence":0.99902344,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.01600562408566475},{"word":"i","start":1504.37,"end":1504.53,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.034043170511722565},{"word":"thought","start":1504.53,"end":1504.77,"confidence":0.9863281,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.034849002957344055},{"word":"i'd","start":1504.77,"end":1504.93,"confidence":0.67626953,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.04213126748800278},{"word":"be","start":1504.93,"end":1505.17,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03883904963731766},{"word":"right","start":1505.17,"end":1505.595,"confidence":0.6932373,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.02384759671986103},{"word":"yeah","start":1506.635,"end":1506.7949,"confidence":0.8117676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03814864903688431},{"word":"right","start":1506.7949,"end":1507.0349,"confidence":0.9746094,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.043870631605386734},{"word":"i","start":1507.0349,"end":1507.275,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08249838650226593},{"word":"thought","start":1507.275,"end":1507.4349,"confidence":0.9941406,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.07202286273241043},{"word":"i'd","start":1507.4349,"end":1507.595,"confidence":0.81762695,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.061160068958997726},{"word":"be","start":1507.595,"end":1507.835,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07824268192052841},{"word":"67","start":1507.835,"end":1508.655,"confidence":0.9975586,"punctuated_word":"67.","sentiment":"neutral","sentiment_score":-0.06948128342628479},{"word":"i","start":1509.195,"end":1509.4349,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1246764212846756},{"word":"don't","start":1509.4349,"end":1509.595,"confidence":0.99194336,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0987180769443512},{"word":"know","start":1509.595,"end":1509.755,"confidence":0.9921875,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12135952711105348},{"word":"why","start":1509.755,"end":1510.255,"confidence":0.96191406,"punctuated_word":"why.","sentiment":"neutral","sentiment_score":-0.10371126234531404},{"word":"yep","start":1510.395,"end":1510.895,"confidence":0.8095703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.034946147352457047},{"word":"mhmm","start":1522.02,"end":1522.52,"confidence":0.9748535,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01943083666265011},{"word":"yep","start":1538.085,"end":1538.585,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02606846764683723},{"word":"yep","start":1542.165,"end":1542.665,"confidence":0.9621582,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009219374507665634},{"word":"yep","start":1542.885,"end":1543.385,"confidence":0.9399414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02184543013572693},{"word":"yeah","start":1559.635,"end":1559.795,"confidence":0.8342285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06443741172552109},{"word":"right","start":1559.795,"end":1560.295,"confidence":0.98828125,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.09526056051254272},{"word":"beautiful","start":1561.395,"end":1561.895,"confidence":0.99365234,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3848367929458618},{"word":"yeah","start":1561.955,"end":1562.275,"confidence":0.9819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2840154469013214},{"word":"nice","start":1562.275,"end":1562.775,"confidence":0.98950195,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4165548086166382},{"word":"yep","start":1562.915,"end":1563.415,"confidence":0.7089844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24486961960792544},{"word":"sensational","start":1563.555,"end":1564.055,"confidence":0.9633789,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.27017584443092346},{"word":"yeah","start":1565.635,"end":1566.115,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07606838643550873},{"word":"no","start":1566.115,"end":1566.355,"confidence":0.90112305,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.007559787482023239},{"word":"that's","start":1566.355,"end":1566.855,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04767123982310295},{"word":"that's","start":1566.915,"end":1567.235,"confidence":0.9941406,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.005983412265777588},{"word":"yeah","start":1567.3151,"end":1567.555,"confidence":0.9875488,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.015681110322475433},{"word":"no","start":1567.555,"end":1567.795,"confidence":0.97216797,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03363138064742088},{"word":"that's","start":1567.795,"end":1568.195,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09940865635871889},{"word":"that's","start":1568.195,"end":1568.355,"confidence":0.7949219,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1441844403743744},{"word":"that's","start":1568.355,"end":1568.675,"confidence":0.90234375,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3488563001155853},{"word":"actually","start":1568.675,"end":1569.075,"confidence":0.96435547,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.30077505111694336},{"word":"made","start":1569.075,"end":1569.3151,"confidence":0.9970703,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.33587533235549927},{"word":"me","start":1569.3151,"end":1569.475,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.27992719411849976},{"word":"happy","start":1569.475,"end":1569.975,"confidence":1.0,"punctuated_word":"happy.","sentiment":"neutral","sentiment_score":0.11834675818681716},{"word":"probably","start":1572.16,"end":1572.48,"confidence":0.97265625,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.24219664931297305},{"word":"the","start":1572.48,"end":1572.72,"confidence":0.7988281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22574634850025177},{"word":"only","start":1572.72,"end":1572.84,"confidence":0.9951172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.28790566325187683},{"word":"like","start":1572.96,"end":1573.4401,"confidence":0.6561279,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2641688883304596},{"word":"the","start":1573.4401,"end":1573.6,"confidence":0.6147461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2875269651412964},{"word":"only","start":1573.6,"end":1573.84,"confidence":0.99609375,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.33921748399734497},{"word":"thing","start":1573.84,"end":1574.0,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.284060001373291},{"word":"that","start":1574.0,"end":1574.24,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2601849436759949},{"word":"i","start":1574.24,"end":1574.4,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2998712360858917},{"word":"really","start":1574.4,"end":1574.9,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.35061484575271606},{"word":"hate","start":1575.04,"end":1575.54,"confidence":1.0,"punctuated_word":"hate","sentiment":"negative","sentiment_score":-0.3878994584083557},{"word":"is","start":1576.4,"end":1576.72,"confidence":0.9970703,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4430815279483795},{"word":"paying","start":1576.72,"end":1577.12,"confidence":1.0,"punctuated_word":"paying","sentiment":"negative","sentiment_score":-0.4777125120162964},{"word":"tax","start":1577.12,"end":1577.62,"confidence":0.98657227,"punctuated_word":"tax.","sentiment":"negative","sentiment_score":-0.3999437987804413},{"word":"honestly","start":1577.76,"end":1578.26,"confidence":0.9863281,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":-0.24665409326553345},{"word":"i","start":1578.3201,"end":1578.4,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24811823666095736},{"word":"hate","start":1578.4,"end":1578.64,"confidence":1.0,"punctuated_word":"hate","sentiment":"neutral","sentiment_score":-0.2723362445831299},{"word":"paying","start":1578.64,"end":1578.96,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.2898162305355072},{"word":"tax","start":1578.96,"end":1579.36,"confidence":0.9538574,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.2565731406211853},{"word":"if","start":1579.36,"end":1579.52,"confidence":0.91845703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.20764705538749695},{"word":"we","start":1579.52,"end":1579.76,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16161245107650757},{"word":"can","start":1579.76,"end":1579.92,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.16680975258350372},{"word":"come","start":1579.92,"end":1580.0801,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.13117632269859314},{"word":"up","start":1580.0801,"end":1580.24,"confidence":0.93115234,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1516406238079071},{"word":"with","start":1580.24,"end":1580.4,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14158348739147186},{"word":"some","start":1580.4,"end":1580.72,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.15986666083335876},{"word":"strategies","start":1580.72,"end":1581.2001,"confidence":0.84594727,"punctuated_word":"strategies,","sentiment":"neutral","sentiment_score":-0.1866222321987152},{"word":"i","start":1581.2001,"end":1581.36,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1871945858001709},{"word":"don't","start":1581.36,"end":1581.6,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19351527094841003},{"word":"know","start":1581.6,"end":1581.76,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.27209731936454773},{"word":"what","start":1581.76,"end":1582.0,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.30053818225860596},{"word":"we","start":1582.0,"end":1582.16,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2322148084640503},{"word":"can","start":1582.16,"end":1582.3201,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2275204062461853},{"word":"do","start":1582.3201,"end":1582.8201,"confidence":0.7631836,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.2425634562969208},{"word":"potentially","start":1583.6,"end":1584.1,"confidence":0.98063153,"punctuated_word":"Potentially,","sentiment":"neutral","sentiment_score":-0.24813036620616913},{"word":"i","start":1585.2001,"end":1585.36,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2657996714115143},{"word":"pay","start":1585.36,"end":1585.6,"confidence":0.5366211,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.24145062267780304},{"word":"a","start":1585.6,"end":1585.68,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27287375926971436},{"word":"lot","start":1585.68,"end":1585.84,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2512741982936859},{"word":"of","start":1585.84,"end":1586.0801,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27799680829048157},{"word":"tax","start":1586.0801,"end":1586.325,"confidence":0.98706055,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.23279014229774475},{"word":"well","start":1587.125,"end":1587.2849,"confidence":0.9645996,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1417098492383957},{"word":"both","start":1587.2849,"end":1587.5249,"confidence":0.9667969,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2713289260864258},{"word":"jackie","start":1587.5249,"end":1587.845,"confidence":0.6928711,"punctuated_word":"Jackie","sentiment":"neutral","sentiment_score":0.2588370144367218},{"word":"and","start":1587.845,"end":1588.085,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16258348524570465},{"word":"i","start":1588.085,"end":1588.245,"confidence":0.96850586,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":0.2525463104248047},{"word":"we","start":1588.245,"end":1588.4049,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27015992999076843},{"word":"pay","start":1588.4049,"end":1588.6449,"confidence":0.98535156,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13900378346443176},{"word":"a","start":1588.6449,"end":1588.725,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2649495303630829},{"word":"lot","start":1588.725,"end":1588.965,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.226628839969635},{"word":"of","start":1588.965,"end":1589.0449,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1541164517402649},{"word":"tax","start":1589.0449,"end":1589.365,"confidence":0.6846924,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.2974827289581299},{"word":"which","start":1589.365,"end":1589.6849,"confidence":0.5239258,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.43078187108039856},{"word":"is","start":1589.6849,"end":1589.9249,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6576419472694397},{"word":"great","start":1589.9249,"end":1590.325,"confidence":0.97558594,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6603697538375854},{"word":"if","start":1590.325,"end":1590.4049,"confidence":0.86572266,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.614477813243866},{"word":"you're","start":1590.4049,"end":1590.565,"confidence":0.9445801,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6071265935897827},{"word":"paying","start":1590.565,"end":1590.8049,"confidence":0.9941406,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.5055756568908691},{"word":"tax","start":1590.8049,"end":1591.0449,"confidence":0.9746094,"punctuated_word":"tax,","sentiment":"positive","sentiment_score":0.5583996772766113},{"word":"you're","start":1591.0449,"end":1591.205,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5223766565322876},{"word":"earning","start":1591.205,"end":1591.5249,"confidence":0.99902344,"punctuated_word":"earning","sentiment":"positive","sentiment_score":0.3994247913360596},{"word":"money","start":1591.5249,"end":1591.845,"confidence":0.92285156,"punctuated_word":"money.","sentiment":"positive","sentiment_score":0.4021372795104981},{"word":"that's","start":1591.845,"end":1592.085,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7267411947250366},{"word":"great","start":1592.085,"end":1592.585,"confidence":0.9445801,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6296870708465576},{"word":"but","start":1594.885,"end":1595.385,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.032773859798908234},{"word":"i","start":1595.445,"end":1595.605,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08733686059713364},{"word":"want","start":1595.605,"end":1595.9249,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.11145631968975069},{"word":"to","start":1595.9249,"end":1596.085,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07536312192678452},{"word":"reduce","start":1596.085,"end":1596.585,"confidence":0.99902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.09847655892372131},{"word":"paying","start":1596.725,"end":1597.125,"confidence":0.9667969,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.28307995200157166},{"word":"so","start":1597.125,"end":1597.2849,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10388240963220596},{"word":"much","start":1597.2849,"end":1597.6849,"confidence":0.99560547,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.15906617045402527},{"word":"i","start":1597.6849,"end":1597.845,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1624065488576889},{"word":"don't","start":1597.845,"end":1598.1649,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1252444088459015},{"word":"know","start":1598.1649,"end":1598.325,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.11690420657396317},{"word":"how","start":1598.325,"end":1598.825,"confidence":0.8208008,"punctuated_word":"how.","sentiment":"neutral","sentiment_score":-0.08029764890670776},{"word":"that's","start":1600.44,"end":1600.76,"confidence":0.86572266,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.022460907697677612},{"word":"yeah","start":1604.28,"end":1604.78,"confidence":0.9885254,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0950092151761055},{"word":"yeah","start":1608.2,"end":1608.7,"confidence":0.9760742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13481125235557556},{"word":"yep","start":1614.845,"end":1615.345,"confidence":0.95703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05603553354740143},{"word":"yep","start":1619.485,"end":1619.985,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06353332847356796},{"word":"yeah","start":1638.47,"end":1638.97,"confidence":0.9091797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08991885185241699},{"word":"yep","start":1639.11,"end":1639.61,"confidence":0.7800293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.09534990787506104},{"word":"yep","start":1641.635,"end":1642.135,"confidence":0.8688965,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.012301232665777206},{"word":"yep","start":1647.635,"end":1648.135,"confidence":0.8666992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02760649099946022},{"word":"yes","start":1655.7,"end":1656.2,"confidence":0.71032715,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0374784991145134},{"word":"yes","start":1664.98,"end":1665.48,"confidence":0.8220215,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0027379393577575684},{"word":"that's","start":1676.425,"end":1676.745,"confidence":0.75341797,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.23528775572776792},{"word":"disappointing","start":1676.745,"end":1677.225,"confidence":0.8762207,"punctuated_word":"disappointing,","sentiment":"negative","sentiment_score":-0.4220677614212036},{"word":"isn't","start":1677.225,"end":1677.545,"confidence":0.9995117,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.31593817472457886},{"word":"it","start":1677.545,"end":1678.045,"confidence":0.9980469,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.2483997642993927},{"word":"yeah","start":1682.745,"end":1683.245,"confidence":0.98168945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09688916802406312},{"word":"yeah","start":1686.5801,"end":1687.0801,"confidence":0.8041992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.036054350435733795},{"word":"yep","start":1692.9,"end":1693.4,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07199614495038986},{"word":"yep","start":1705.915,"end":1706.415,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1769290417432785},{"word":"yep","start":1715.3099,"end":1715.8099,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03289475291967392},{"word":"mhmm","start":1725.7899,"end":1726.2899,"confidence":0.9942627,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0586911216378212},{"word":"yep","start":1731.145,"end":1731.645,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.015768570825457573},{"word":"yep","start":1752.53,"end":1753.03,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.2612393796443939},{"word":"yep","start":1764.805,"end":1765.305,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.026918357238173485},{"word":"yeah","start":1782.225,"end":1782.725,"confidence":0.74609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02314588613808155},{"word":"yep","start":1782.865,"end":1783.345,"confidence":0.9387207,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01123214140534401},{"word":"yep","start":1783.345,"end":1783.845,"confidence":0.982666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.020988088101148605},{"word":"i'd","start":1785.185,"end":1785.665,"confidence":0.5732422,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.19378459453582764},{"word":"yeah","start":1787.745,"end":1788.245,"confidence":0.8625488,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.16220422089099884},{"word":"i","start":1788.385,"end":1788.625,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2031780630350113},{"word":"probably","start":1788.625,"end":1788.9451,"confidence":0.6689453,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2675166428089142},{"word":"still","start":1788.9451,"end":1789.185,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.25983166694641113},{"word":"need","start":1789.185,"end":1789.345,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.2503766715526581},{"word":"to","start":1789.345,"end":1789.425,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2206508219242096},{"word":"look","start":1789.425,"end":1789.665,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.2105391621589661},{"word":"at","start":1789.665,"end":1790.0651,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.218861386179924},{"word":"i'd","start":1790.465,"end":1790.705,"confidence":0.99902344,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.1383860409259796},{"word":"say","start":1790.705,"end":1790.9451,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.09839113056659698},{"word":"this","start":1790.9451,"end":1791.185,"confidence":0.9291992,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10610491782426834},{"word":"year","start":1791.185,"end":1791.665,"confidence":0.8417969,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.12718357145786283},{"word":"i'll","start":1791.665,"end":1792.165,"confidence":0.953125,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.13425126671791077},{"word":"max","start":1792.305,"end":1792.705,"confidence":0.921875,"punctuated_word":"max","sentiment":"neutral","sentiment_score":-0.09761130809783936},{"word":"out","start":1792.705,"end":1793.205,"confidence":0.77075195,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.13572463393211365},{"word":"what","start":1794.41,"end":1794.65,"confidence":0.98291016,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.20606672763824463},{"word":"would","start":1794.65,"end":1795.15,"confidence":0.83251953,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1852145791053772},{"word":"you","start":1795.21,"end":1795.71,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17808391153812408},{"word":"say","start":1795.77,"end":1796.01,"confidence":0.94433594,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.15915462374687195},{"word":"super","start":1796.01,"end":1796.51,"confidence":0.9038086,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.10671770572662354},{"word":"or","start":1796.89,"end":1796.97,"confidence":0.47631836,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.14034312963485718},{"word":"like","start":1796.97,"end":1797.45,"confidence":0.82421875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13084110617637634},{"word":"when","start":1797.45,"end":1797.69,"confidence":0.95703125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.13280464708805084},{"word":"i","start":1797.69,"end":1797.77,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13675688207149506},{"word":"say","start":1797.77,"end":1798.09,"confidence":0.99121094,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.09849833697080612},{"word":"max","start":1798.09,"end":1798.33,"confidence":0.9819336,"punctuated_word":"max","sentiment":"neutral","sentiment_score":-0.0838896781206131},{"word":"out","start":1798.33,"end":1798.8099,"confidence":0.48657227,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11680899560451508},{"word":"at","start":1798.8099,"end":1799.13,"confidence":0.6035156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13080261647701263},{"word":"15%","start":1799.13,"end":1799.9299,"confidence":0.8605957,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":-0.06715023517608643},{"word":"tax","start":1799.9299,"end":1800.25,"confidence":0.99121094,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.05866240710020065},{"word":"rate","start":1800.25,"end":1800.75,"confidence":0.79833984,"punctuated_word":"rate.","sentiment":"neutral","sentiment_score":-0.0723046287894249},{"word":"i","start":1806.1549,"end":1806.315,"confidence":0.79833984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22216108441352844},{"word":"should","start":1806.315,"end":1806.475,"confidence":0.9970703,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.34627217054367065},{"word":"be","start":1806.475,"end":1806.5549,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2993634045124054},{"word":"looking","start":1806.5549,"end":1806.955,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.30309492349624634},{"word":"to","start":1806.955,"end":1807.115,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3939000368118286},{"word":"do","start":1807.115,"end":1807.2749,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28637099266052246},{"word":"that","start":1807.2749,"end":1807.5149,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29177233576774597},{"word":"moving","start":1807.5149,"end":1807.9149,"confidence":0.99316406,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.39531153440475464},{"word":"forward","start":1807.9149,"end":1808.4149,"confidence":0.86035156,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.32566916942596436},{"word":"i","start":1808.5549,"end":1808.715,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27756959199905396},{"word":"imagine","start":1808.715,"end":1809.215,"confidence":0.83862305,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":0.19416329264640808},{"word":"keep","start":1809.2749,"end":1809.595,"confidence":0.9223633,"punctuated_word":"Keep","sentiment":"neutral","sentiment_score":0.06963331252336502},{"word":"maxing","start":1809.595,"end":1809.9149,"confidence":0.9951172,"punctuated_word":"maxing","sentiment":"neutral","sentiment_score":0.16130638122558594},{"word":"that","start":1809.9149,"end":1810.235,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08656300604343414},{"word":"out","start":1810.235,"end":1810.735,"confidence":0.95581055,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.07819046080112457},{"word":"what's","start":1812.5549,"end":1812.875,"confidence":0.9499512,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.06499211490154266},{"word":"the","start":1812.875,"end":1813.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04757112264633179},{"word":"maximum","start":1813.115,"end":1813.615,"confidence":0.8647461,"punctuated_word":"maximum?","sentiment":"neutral","sentiment_score":0.06330183893442154},{"word":"is","start":1813.995,"end":1814.3949,"confidence":0.9165039,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0016545169055461884},{"word":"is","start":1814.3949,"end":1814.5549,"confidence":0.7392578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.003791164606809616},{"word":"it","start":1814.5549,"end":1814.7949,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.017645981162786484},{"word":"up","start":1814.7949,"end":1814.875,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02284516766667366},{"word":"to","start":1814.875,"end":1815.0349,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.034483861178159714},{"word":"$30","start":1815.0349,"end":1815.855,"confidence":0.8501587,"punctuated_word":"$30,","sentiment":"neutral","sentiment_score":0.029191309586167336},{"word":"or","start":1816.715,"end":1816.955,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.010136760771274568},{"word":"is","start":1816.955,"end":1817.115,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.020740017294883728},{"word":"it","start":1817.115,"end":1817.195,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03311586752533913},{"word":"27","start":1817.195,"end":1818.0149,"confidence":0.9926758,"punctuated_word":"27","sentiment":"neutral","sentiment_score":0.022787192836403847},{"word":"r","start":1824.3401,"end":1824.5,"confidence":0.6275635,"punctuated_word":"r?","sentiment":"neutral","sentiment_score":0.044239602982997894},{"word":"yep","start":1824.5,"end":1825.0,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.184179425239563},{"word":"isn't","start":1844.265,"end":1844.6649,"confidence":0.82055664,"punctuated_word":"Isn't","sentiment":"negative","sentiment_score":-0.5436906218528748},{"word":"good","start":1844.6649,"end":1845.1649,"confidence":0.63061523,"punctuated_word":"good.","sentiment":"negative","sentiment_score":-0.4648906886577606},{"word":"they're","start":1845.5449,"end":1845.7849,"confidence":0.89404297,"punctuated_word":"They're","sentiment":"negative","sentiment_score":-0.5300248861312866},{"word":"really","start":1845.7849,"end":1846.0249,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.5759274363517761},{"word":"stuffing","start":1846.0249,"end":1846.505,"confidence":0.98095703,"punctuated_word":"stuffing","sentiment":"negative","sentiment_score":-0.5802021622657776},{"word":"me","start":1846.505,"end":1846.745,"confidence":0.9980469,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.6138833165168762},{"word":"around","start":1846.745,"end":1847.245,"confidence":0.76904297,"punctuated_word":"around.","sentiment":"negative","sentiment_score":-0.6109464764595032},{"word":"yeah","start":1860.7,"end":1861.02,"confidence":0.8979492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.017646517604589462},{"word":"it's","start":1861.02,"end":1861.26,"confidence":0.94921875,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1577197164297104},{"word":"probably","start":1861.26,"end":1861.5,"confidence":0.6503906,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.22238504886627197},{"word":"not","start":1861.5,"end":1861.66,"confidence":0.98535156,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23307934403419495},{"word":"as","start":1861.66,"end":1861.74,"confidence":0.90625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2755632996559143},{"word":"silly","start":1861.74,"end":1862.06,"confidence":0.9526367,"punctuated_word":"silly","sentiment":"neutral","sentiment_score":-0.2870693802833557},{"word":"as","start":1862.06,"end":1862.14,"confidence":0.96435547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.18821749091148376},{"word":"it","start":1862.14,"end":1862.22,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.20871350169181824},{"word":"sounds","start":1862.22,"end":1862.72,"confidence":0.89746094,"punctuated_word":"sounds.","sentiment":"neutral","sentiment_score":-0.23027241230010984},{"word":"so","start":1865.165,"end":1865.405,"confidence":0.7890625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02600263804197311},{"word":"how","start":1865.405,"end":1865.645,"confidence":0.99316406,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.006735019385814667},{"word":"do","start":1865.645,"end":1865.805,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01157979667186737},{"word":"i","start":1865.805,"end":1865.885,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0515129417181015},{"word":"go","start":1865.885,"end":1866.125,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06339706480503082},{"word":"about","start":1866.125,"end":1866.525,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06492318212985992},{"word":"working","start":1866.525,"end":1866.925,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.11556900292634964},{"word":"out","start":1866.925,"end":1867.165,"confidence":0.9760742,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1134498193860054},{"word":"what","start":1867.165,"end":1867.485,"confidence":0.8730469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0729089230298996},{"word":"my","start":1867.485,"end":1867.645,"confidence":0.5732422,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.08476331830024719},{"word":"catch","start":1867.645,"end":1867.885,"confidence":0.9970703,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.017471477389335632},{"word":"up","start":1867.885,"end":1868.125,"confidence":0.99121094,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0582524836063385},{"word":"could","start":1868.125,"end":1868.285,"confidence":0.44140625,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.11477445065975188},{"word":"be","start":1868.285,"end":1868.785,"confidence":0.99121094,"punctuated_word":"be?","sentiment":"neutral","sentiment_score":0.08162535727024078},{"word":"yep","start":1875.5651,"end":1876.0651,"confidence":0.9650879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1161435768008232},{"word":"yep","start":1877.28,"end":1877.78,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1256866157054901},{"word":"so","start":1890.8,"end":1891.28,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.001527056097984314},{"word":"when","start":1891.28,"end":1891.4401,"confidence":0.9902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.022249555215239525},{"word":"i","start":1891.4401,"end":1891.6,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016865480691194534},{"word":"say","start":1891.6,"end":1891.92,"confidence":0.99121094,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.01066989079117775},{"word":"catch","start":1891.92,"end":1892.16,"confidence":0.9790039,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.0019955523312091827},{"word":"up","start":1892.16,"end":1892.625,"confidence":0.9970703,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.0005701985210180283},{"word":"does","start":1892.785,"end":1893.025,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.01947684958577156},{"word":"that","start":1893.025,"end":1893.105,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003444358706474304},{"word":"have","start":1893.105,"end":1893.425,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.014220308512449265},{"word":"to","start":1893.425,"end":1893.505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027120452374219894},{"word":"go","start":1893.505,"end":1893.745,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.026006050407886505},{"word":"straight","start":1893.745,"end":1894.065,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":-0.040663834661245346},{"word":"from","start":1894.065,"end":1894.305,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.03872014209628105},{"word":"payroll","start":1894.305,"end":1894.705,"confidence":0.99609375,"punctuated_word":"payroll","sentiment":"neutral","sentiment_score":-0.06221472844481468},{"word":"from","start":1894.705,"end":1894.865,"confidence":0.92333984,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.02035105973482132},{"word":"work","start":1894.865,"end":1895.185,"confidence":0.7324219,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.018283117562532425},{"word":"or","start":1895.185,"end":1895.345,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.040992140769958496},{"word":"can","start":1895.345,"end":1895.505,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.014807868748903276},{"word":"i","start":1895.505,"end":1895.665,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017317302525043488},{"word":"grab","start":1895.665,"end":1895.905,"confidence":0.9941406,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":-0.04477456957101822},{"word":"money","start":1895.905,"end":1896.145,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.036855392158031464},{"word":"out","start":1896.145,"end":1896.305,"confidence":0.9873047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.036008648574352264},{"word":"of","start":1896.305,"end":1896.385,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.040677107870578766},{"word":"the","start":1896.385,"end":1896.465,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04451396688818931},{"word":"bank","start":1896.465,"end":1896.705,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.054209209978580475},{"word":"and","start":1896.705,"end":1896.865,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.006342306733131409},{"word":"put","start":1896.865,"end":1897.025,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.008484601974487305},{"word":"it","start":1897.025,"end":1897.185,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0363536924123764},{"word":"in","start":1897.185,"end":1897.685,"confidence":0.99316406,"punctuated_word":"in?","sentiment":"neutral","sentiment_score":0.007014118134975433},{"word":"yep","start":1906.065,"end":1906.565,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07437832653522491},{"word":"okay","start":1907.4501,"end":1907.9501,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09601889550685884},{"word":"yeah","start":1908.49,"end":1908.73,"confidence":0.93310547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11117810010910034},{"word":"right","start":1908.73,"end":1909.05,"confidence":0.9975586,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.1442704200744629},{"word":"there","start":1909.05,"end":1909.29,"confidence":0.86865234,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.1799968183040619},{"word":"we","start":1909.29,"end":1909.4501,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17463833093643188},{"word":"go","start":1909.4501,"end":1909.9501,"confidence":1.0,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.2837095558643341},{"word":"nice","start":1910.01,"end":1910.51,"confidence":0.923584,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.5391749143600464},{"word":"alright","start":1910.65,"end":1911.15,"confidence":0.99853516,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.23235414922237396},{"word":"mhmm","start":1920.49,"end":1920.99,"confidence":0.9935303,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06733007729053497},{"word":"yep","start":1932.405,"end":1932.905,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10378813743591309},{"word":"mhmm","start":1932.965,"end":1933.205,"confidence":0.9622803,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.026397813111543655},{"word":"yeah","start":1933.205,"end":1933.59,"confidence":0.9675293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017136992886662483},{"word":"yeah","start":1933.9099,"end":1934.23,"confidence":0.8491211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00727908406406641},{"word":"and","start":1934.23,"end":1934.47,"confidence":0.93359375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.023881955072283745},{"word":"i've","start":1934.47,"end":1934.63,"confidence":0.8852539,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.016855629161000252},{"word":"still","start":1934.63,"end":1934.87,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0002060234546661377},{"word":"got","start":1934.87,"end":1935.0299,"confidence":0.9892578,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.011141020804643633},{"word":"another","start":1935.0299,"end":1935.5299,"confidence":0.9970703,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.008207742124795914},{"word":"and","start":1935.59,"end":1935.83,"confidence":0.60009766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.008530205115675926},{"word":"i've","start":1935.83,"end":1935.99,"confidence":0.95947266,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.006322156637907028},{"word":"still","start":1935.99,"end":1936.23,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02342093735933304},{"word":"got","start":1936.23,"end":1936.3099,"confidence":0.9941406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0010843127965927124},{"word":"another","start":1936.3099,"end":1936.7899,"confidence":0.9980469,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.003857683390378952},{"word":"pay","start":1936.7899,"end":1937.27,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.002001747488975525},{"word":"to","start":1937.27,"end":1937.4299,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01574144884943962},{"word":"come","start":1937.4299,"end":1937.6699,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.02718595415353775},{"word":"in","start":1937.6699,"end":1938.1699,"confidence":0.8835449,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.018939530476927757},{"word":"i","start":1939.27,"end":1939.35,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00020170211791992188},{"word":"imagine","start":1939.35,"end":1939.85,"confidence":0.98706055,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":0.010986510664224625},{"word":"i","start":1942.15,"end":1942.3099,"confidence":0.9482422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04451291635632515},{"word":"still","start":1942.3099,"end":1942.5499,"confidence":0.5385742,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05002570152282715},{"word":"got","start":1942.5499,"end":1942.71,"confidence":0.96777344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04979293793439865},{"word":"yeah","start":1945.11,"end":1945.51,"confidence":0.9790039,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06869085133075714},{"word":"because","start":1945.51,"end":1946.01,"confidence":0.98291016,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.04376149922609329},{"word":"yeah","start":1946.39,"end":1946.63,"confidence":0.98876953,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05227157473564148},{"word":"because","start":1946.63,"end":1946.87,"confidence":0.9951172,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.03522736206650734},{"word":"i'm","start":1946.87,"end":1947.0299,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04552239924669266},{"word":"on","start":1947.0299,"end":1947.19,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0464438833296299},{"word":"salary","start":1947.19,"end":1947.59,"confidence":0.76123047,"punctuated_word":"salary,","sentiment":"neutral","sentiment_score":0.050178296864032745},{"word":"and","start":1947.59,"end":1947.6699,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.025287240743637085},{"word":"i","start":1947.6699,"end":1947.83,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028329838067293167},{"word":"get","start":1947.83,"end":1947.99,"confidence":0.9921875,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02989674173295498},{"word":"paid","start":1947.99,"end":1948.15,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.023122800514101986},{"word":"monthly","start":1948.15,"end":1948.65,"confidence":0.94262695,"punctuated_word":"monthly.","sentiment":"neutral","sentiment_score":0.04700317978858948},{"word":"so","start":1950.4049,"end":1950.565,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07306493818759918},{"word":"i'll","start":1950.565,"end":1950.8849,"confidence":0.74243164,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12405886501073836},{"word":"still","start":1950.8849,"end":1951.125,"confidence":0.52685547,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.125885471701622},{"word":"i'll","start":1951.125,"end":1951.365,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14685112237930298},{"word":"still","start":1951.365,"end":1951.605,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1692935824394226},{"word":"have","start":1951.605,"end":1951.845,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10814325511455536},{"word":"one","start":1951.845,"end":1952.085,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12440300732851028},{"word":"to","start":1952.085,"end":1952.245,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11702067404985428},{"word":"come","start":1952.245,"end":1952.745,"confidence":0.99902344,"punctuated_word":"come.","sentiment":"neutral","sentiment_score":0.13089555501937866},{"word":"yep","start":1970.64,"end":1971.14,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11877071857452393},{"word":"yep","start":1972.4,"end":1972.9,"confidence":0.9621582,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1318686604499817},{"word":"yes","start":1975.52,"end":1976.02,"confidence":0.79467773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2423599064350128},{"word":"yeah","start":1991.53,"end":1992.03,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07081012427806854},{"word":"yep","start":2006.425,"end":2006.925,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07717462629079819},{"word":"yep","start":2018.105,"end":2018.605,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.5262253284454346},{"word":"yeah","start":2022.84,"end":2023.08,"confidence":0.96655273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2384430021047592},{"word":"beautiful","start":2023.08,"end":2023.58,"confidence":0.7475586,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6343658566474915},{"word":"well","start":2024.6799,"end":2024.84,"confidence":0.9916992,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.2319248616695404},{"word":"we","start":2024.84,"end":2025.0,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2491273134946823},{"word":"might","start":2025.0,"end":2025.1599,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2701158821582794},{"word":"look","start":2025.1599,"end":2025.32,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.18821358680725095},{"word":"at","start":2025.32,"end":2025.48,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24660295248031616},{"word":"doing","start":2025.48,"end":2025.72,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.22509488463401792},{"word":"that","start":2025.72,"end":2025.88,"confidence":0.94921875,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.20435604453086853},{"word":"so","start":2025.88,"end":2026.0399,"confidence":0.8684082,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.10075849294662476},{"word":"yeah","start":2026.0399,"end":2026.28,"confidence":0.9916992,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.10442017018795012},{"word":"if","start":2026.28,"end":2026.36,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13245181739330292},{"word":"you","start":2026.36,"end":2026.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12375710159540176},{"word":"can","start":2026.52,"end":2026.6799,"confidence":0.9550781,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0905040055513382},{"word":"send","start":2026.6799,"end":2026.9199,"confidence":0.99609375,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06984416395425797},{"word":"me","start":2026.9199,"end":2027.0,"confidence":0.9951172,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08395392447710037},{"word":"through","start":2027.0,"end":2027.1599,"confidence":0.9892578,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09746955335140228},{"word":"a","start":2027.1599,"end":2027.32,"confidence":0.14807129,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09205242991447447},{"word":"word","start":2027.32,"end":2027.5599,"confidence":0.25073242,"punctuated_word":"word","sentiment":"neutral","sentiment_score":0.10766394436359406},{"word":"and","start":2027.5599,"end":2027.7999,"confidence":0.7426758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09659066051244736},{"word":"let","start":2027.7999,"end":2028.0399,"confidence":0.9921875,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.10585135221481325},{"word":"us","start":2028.0399,"end":2028.12,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1315440535545349},{"word":"know","start":2028.12,"end":2028.28,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.11197783797979356},{"word":"what","start":2028.28,"end":2028.44,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09261564910411836},{"word":"i'm","start":2028.44,"end":2028.6,"confidence":0.83154297,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.130142480134964},{"word":"gonna","start":2028.6,"end":2028.9199,"confidence":0.9658203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.14316092431545258},{"word":"do","start":2028.9199,"end":2029.4199,"confidence":0.7171631,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.11273161321878432},{"word":"because","start":2030.36,"end":2030.6799,"confidence":0.99121094,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.16341543197631836},{"word":"i'll","start":2030.6799,"end":2030.9199,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20361661911010745},{"word":"probably","start":2030.9199,"end":2031.1599,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.241337388753891},{"word":"i'll","start":2031.64,"end":2032.14,"confidence":0.9851074,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.150970458984375},{"word":"i'll","start":2032.28,"end":2032.44,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0999436378479004},{"word":"i'll","start":2032.44,"end":2032.76,"confidence":0.9472656,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10156235098838806},{"word":"have","start":2032.76,"end":2032.9199,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10872966051101685},{"word":"to","start":2032.9199,"end":2033.08,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11634793877601624},{"word":"get","start":2033.08,"end":2033.24,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09670239686965942},{"word":"on","start":2033.24,"end":2033.4,"confidence":0.73339844,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12385272979736328},{"word":"to","start":2033.4,"end":2033.5599,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14186519384384155},{"word":"that","start":2033.5599,"end":2034.0599,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.14840877056121826},{"word":"yep","start":2044.615,"end":2045.115,"confidence":0.9645996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14983870089054108},{"word":"yep","start":2045.735,"end":2046.235,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07681300491094589},{"word":"yep","start":2056.47,"end":2056.97,"confidence":0.87597656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14997504651546478},{"word":"yeah","start":2057.67,"end":2057.91,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1488741934299469},{"word":"right","start":2057.91,"end":2058.15,"confidence":0.45458984,"punctuated_word":"Right","sentiment":"neutral","sentiment_score":0.1241815909743309},{"word":"now","start":2058.15,"end":2058.65,"confidence":0.66845703,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.11397389322519302},{"word":"yep","start":2065.425,"end":2065.925,"confidence":0.86816406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11257844418287276},{"word":"yep","start":2077.15,"end":2077.65,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13530771434307098},{"word":"yeah","start":2096.395,"end":2096.635,"confidence":0.77685547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21094933152198792},{"word":"nice","start":2096.635,"end":2097.135,"confidence":0.7626953,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.5940770506858826},{"word":"that","start":2097.755,"end":2098.075,"confidence":0.8984375,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5001769065856934},{"word":"sounds","start":2098.075,"end":2098.475,"confidence":0.9970703,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.46705305576324463},{"word":"good","start":2098.475,"end":2098.975,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7497628331184387},{"word":"perfect","start":2100.075,"end":2100.575,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7855373620986938},{"word":"no","start":2107.51,"end":2107.75,"confidence":0.8251953,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07782392203807831},{"word":"probably","start":2107.75,"end":2108.23,"confidence":0.84228516,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.1245972141623497},{"word":"not","start":2108.23,"end":2108.4702,"confidence":0.7553711,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12440206110477448},{"word":"at","start":2108.4702,"end":2108.55,"confidence":0.97998047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1228448674082756},{"word":"this","start":2108.55,"end":2108.79,"confidence":0.98535156,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.13237173855304718},{"word":"stage","start":2108.79,"end":2109.03,"confidence":0.86157227,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.09374300390481947},{"word":"but","start":2109.03,"end":2109.1902,"confidence":0.5986328,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.006101040169596672},{"word":"yeah","start":2109.1902,"end":2109.4302,"confidence":0.91137695,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.030344199389219284},{"word":"i","start":2109.4302,"end":2109.51,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015607517212629318},{"word":"just","start":2109.51,"end":2109.75,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.010841935873031616},{"word":"want","start":2109.75,"end":2109.9102,"confidence":0.93847656,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.01903990283608437},{"word":"i","start":2109.9502,"end":2109.99,"confidence":0.45751953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05283229798078537},{"word":"yeah","start":2110.07,"end":2110.31,"confidence":0.97509766,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04183270037174225},{"word":"i","start":2110.31,"end":2110.3901,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.018758203834295273},{"word":"just","start":2110.3901,"end":2110.6301,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.020329993218183517},{"word":"want","start":2110.6301,"end":2110.6702,"confidence":0.45239258,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.013300172984600067},{"word":"i","start":2110.7102,"end":2110.79,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007363352924585342},{"word":"just","start":2110.79,"end":2111.03,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01660224422812462},{"word":"want","start":2111.03,"end":2111.1902,"confidence":0.55078125,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.01914580911397934},{"word":"to","start":2111.1902,"end":2111.27,"confidence":0.9428711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07326081395149231},{"word":"talk","start":2111.27,"end":2111.51,"confidence":0.984375,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.07144215703010559},{"word":"about","start":2111.51,"end":2111.75,"confidence":0.7145996,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.08885665237903595},{"word":"yeah","start":2111.75,"end":2112.25,"confidence":0.96362305,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.11701774597167967},{"word":"contributions","start":2112.6301,"end":2113.1301,"confidence":0.9980469,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1423499584197998},{"word":"moving","start":2113.51,"end":2113.83,"confidence":0.93115234,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.12426979094743729},{"word":"forward","start":2113.83,"end":2114.33,"confidence":0.98876953,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.12245459854602814},{"word":"do","start":2114.9949,"end":2115.4949,"confidence":0.96875,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.15826112031936646},{"word":"will","start":2116.355,"end":2116.855,"confidence":0.9370117,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.029967602342367172},{"word":"or","start":2118.675,"end":2118.835,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.023391135036945343},{"word":"do","start":2118.835,"end":2119.075,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03464820981025696},{"word":"they","start":2119.075,"end":2119.315,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06724835932254791},{"word":"increase","start":2119.315,"end":2119.815,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.07407078146934509},{"word":"per","start":2120.115,"end":2120.355,"confidence":0.9941406,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.025856565684080124},{"word":"year","start":2120.355,"end":2120.855,"confidence":0.9914551,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.019363567233085632},{"word":"do","start":2120.915,"end":2121.155,"confidence":0.99121094,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0010198000818490982},{"word":"they","start":2121.155,"end":2121.395,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.017768610268831253},{"word":"follow","start":2121.395,"end":2121.895,"confidence":1.0,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.006884947419166565},{"word":"inflation","start":2122.835,"end":2123.335,"confidence":0.90722656,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":0.061827585101127625},{"word":"and","start":2123.4749,"end":2123.635,"confidence":0.45263672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004945134744048119},{"word":"such","start":2123.635,"end":2123.875,"confidence":0.9921875,"punctuated_word":"such","sentiment":"neutral","sentiment_score":0.029905829578638077},{"word":"or","start":2123.875,"end":2124.115,"confidence":0.96533203,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.017568739131093025},{"word":"anything","start":2124.115,"end":2124.615,"confidence":0.9980469,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.027151718735694885},{"word":"yep","start":2127.4749,"end":2127.9749,"confidence":0.7426758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018412500619888306},{"word":"yep","start":2132.44,"end":2132.94,"confidence":0.89819336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.038133230060338974},{"word":"yep","start":2140.2,"end":2140.7,"confidence":0.9003906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05351360142230987},{"word":"yep","start":2141.48,"end":2141.98,"confidence":0.89501953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06002845615148544},{"word":"yep","start":2147.125,"end":2147.625,"confidence":0.95996094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019872281700372696},{"word":"yeah","start":2154.885,"end":2155.285,"confidence":0.9343262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04611595720052719},{"word":"right","start":2155.285,"end":2155.785,"confidence":0.68652344,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.03760325163602829},{"word":"yeah","start":2156.565,"end":2156.885,"confidence":0.89746094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021490994840860367},{"word":"alright","start":2156.885,"end":2157.385,"confidence":0.8979492,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.03177088499069214},{"word":"yeah","start":2159.64,"end":2160.14,"confidence":0.9172363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07101847231388092},{"word":"so","start":2160.3599,"end":2160.6,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07940582185983658},{"word":"we","start":2160.6,"end":2160.76,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09749209880828856},{"word":"should","start":2160.76,"end":2160.92,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1431196630001068},{"word":"be","start":2160.92,"end":2161.08,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1240110993385315},{"word":"looking","start":2161.08,"end":2161.32,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.13991117477416992},{"word":"at","start":2161.32,"end":2161.82,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11142822355031969},{"word":"maxing","start":2161.96,"end":2162.3599,"confidence":0.9975586,"punctuated_word":"maxing","sentiment":"neutral","sentiment_score":0.17474299669265747},{"word":"it","start":2162.3599,"end":2162.6,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17265406250953674},{"word":"out","start":2162.6,"end":2162.92,"confidence":0.984375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.168927401304245},{"word":"this","start":2162.92,"end":2163.16,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11639098823070526},{"word":"year","start":2163.16,"end":2163.66,"confidence":0.6838379,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.11590348929166794},{"word":"as","start":2165.4,"end":2165.72,"confidence":0.4621582,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.04629787430167198},{"word":"i","start":2165.72,"end":2165.8,"confidence":0.2685547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13727067410945892},{"word":"well","start":2166.2,"end":2166.44,"confidence":0.8769531,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2230039983987808},{"word":"well","start":2166.44,"end":2166.94,"confidence":0.81811523,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2252353727817535},{"word":"like","start":2167.0,"end":2167.24,"confidence":0.8857422,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1721881628036499},{"word":"and","start":2167.32,"end":2167.56,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13290555775165558},{"word":"putting","start":2167.56,"end":2167.8,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.19384494423866272},{"word":"that","start":2167.8,"end":2168.04,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20403027534484863},{"word":"extra","start":2168.04,"end":2168.3599,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.1368875801563263},{"word":"in","start":2168.3599,"end":2168.6,"confidence":0.72875977,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.04688230901956558},{"word":"and","start":2168.6,"end":2168.76,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.015272310003638268},{"word":"then","start":2168.76,"end":2169.0,"confidence":0.9770508,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.02420733869075775},{"word":"next","start":2169.0,"end":2169.24,"confidence":0.9902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.05868024379014969},{"word":"year","start":2169.24,"end":2169.48,"confidence":0.90625,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.04085763543844223},{"word":"probably","start":2169.48,"end":2169.88,"confidence":0.7441406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.08621076494455338},{"word":"need","start":2169.88,"end":2170.1199,"confidence":0.9526367,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.06350849568843842},{"word":"to","start":2170.1199,"end":2170.6199,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04794701933860779},{"word":"look","start":2170.68,"end":2170.92,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.060030095279216766},{"word":"at","start":2170.92,"end":2171.16,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08385666459798813},{"word":"salary","start":2171.16,"end":2171.66,"confidence":0.9980469,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.11633088439702988},{"word":"sacrificing","start":2171.72,"end":2172.22,"confidence":0.99902344,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":-0.07492716610431671},{"word":"more","start":2172.44,"end":2172.94,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0964595228433609},{"word":"straight","start":2173.825,"end":2173.905,"confidence":0.9902344,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":-0.07761204242706299},{"word":"out","start":2173.905,"end":2174.145,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06630204617977142},{"word":"of","start":2174.145,"end":2174.645,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03813014179468155},{"word":"my","start":2175.2651,"end":2175.7651,"confidence":0.9921875,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.024123184382915497},{"word":"yeah","start":2184.865,"end":2185.365,"confidence":0.8417969,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0018148906528949735},{"word":"they","start":2185.905,"end":2186.405,"confidence":0.98291016,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.0296942126005888},{"word":"yeah","start":2187.665,"end":2188.05,"confidence":0.94750977,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.036572765558958054},{"word":"yeah","start":2188.29,"end":2188.79,"confidence":0.8425293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00019622500985860825},{"word":"they","start":2189.4102,"end":2189.49,"confidence":0.99316406,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.053008437156677246},{"word":"they","start":2189.49,"end":2189.73,"confidence":0.9892578,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07922810316085815},{"word":"owed","start":2189.73,"end":2189.8901,"confidence":0.98095703,"punctuated_word":"owed","sentiment":"neutral","sentiment_score":-0.07118885219097137},{"word":"me","start":2189.8901,"end":2190.1301,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.08475406467914581},{"word":"plenty","start":2190.1301,"end":2190.45,"confidence":0.3737793,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":-0.05341124162077904},{"word":"this","start":2190.45,"end":2190.69,"confidence":0.5410156,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03970945626497269},{"word":"year","start":2190.69,"end":2190.85,"confidence":0.7890625,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.05266788601875305},{"word":"but","start":2190.85,"end":2191.1702,"confidence":0.93847656,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03177301585674286},{"word":"yeah","start":2194.77,"end":2195.1702,"confidence":0.939209,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0077291205525398254},{"word":"because","start":2195.1702,"end":2195.49,"confidence":0.9873047,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.003421708941459656},{"word":"i","start":2195.49,"end":2195.57,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009578172117471697},{"word":"think","start":2195.57,"end":2195.73,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.033725306391716},{"word":"you'll","start":2195.73,"end":2195.97,"confidence":0.99658203,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.04535028338432312},{"word":"see","start":2195.97,"end":2196.37,"confidence":0.9941406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.043879229575395584},{"word":"one","start":2196.37,"end":2196.87,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01857987605035305},{"word":"yeah","start":2198.85,"end":2199.09,"confidence":0.97094727,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01944805309176445},{"word":"there's","start":2199.09,"end":2199.33,"confidence":0.9951172,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.005471818149089813},{"word":"one","start":2199.33,"end":2199.49,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.001834876835346222},{"word":"yeah","start":2199.6501,"end":2199.81,"confidence":0.99609375,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.003263666294515133},{"word":"there's","start":2199.81,"end":2200.05,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.021630411967635155},{"word":"a","start":2200.05,"end":2200.1301,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010720713064074516},{"word":"couple","start":2200.1301,"end":2200.37,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.02242104709148407},{"word":"of","start":2200.37,"end":2200.45,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02384304627776146},{"word":"pay","start":2200.45,"end":2200.61,"confidence":0.8828125,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.05047474801540375},{"word":"cycles","start":2200.61,"end":2201.01,"confidence":0.99121094,"punctuated_word":"cycles","sentiment":"neutral","sentiment_score":-0.017045387998223305},{"word":"there","start":2201.01,"end":2201.1702,"confidence":0.9277344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.030526431277394295},{"word":"where","start":2201.1702,"end":2201.33,"confidence":0.94189453,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.026822788640856743},{"word":"i","start":2201.33,"end":2201.4102,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04253876954317093},{"word":"was","start":2201.4102,"end":2201.57,"confidence":0.98291016,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05480973422527313},{"word":"paid","start":2201.57,"end":2201.8901,"confidence":0.9921875,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.059121012687683105},{"word":"probably","start":2201.8901,"end":2202.21,"confidence":0.90771484,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07261680066585541},{"word":"more","start":2202.21,"end":2202.37,"confidence":0.9941406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.04702533408999443},{"word":"than","start":2202.37,"end":2202.53,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.05348040536046028},{"word":"what","start":2202.53,"end":2202.69,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07616961002349854},{"word":"i'm","start":2202.69,"end":2202.85,"confidence":0.9941406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06344720721244812},{"word":"usually","start":2202.85,"end":2203.25,"confidence":0.9970703,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.08080920577049255},{"word":"paid","start":2203.25,"end":2203.515,"confidence":0.97998047,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":-0.05913470312952995},{"word":"yeah","start":2206.1548,"end":2206.6548,"confidence":0.8547363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01109047420322895},{"word":"yep","start":2206.795,"end":2207.295,"confidence":0.8955078,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01628797873854637},{"word":"so","start":2207.595,"end":2207.875,"confidence":0.5620117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.013123800978064535},{"word":"and","start":2208.1548,"end":2208.4749,"confidence":0.95166016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07908491790294647},{"word":"i","start":2208.4749,"end":2208.635,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10271905362606049},{"word":"think","start":2208.635,"end":2209.135,"confidence":0.9658203,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.09664394706487656},{"word":"yeah","start":2209.9949,"end":2210.3948,"confidence":0.9770508,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.13089153170585632},{"word":"they","start":2210.3948,"end":2210.555,"confidence":0.9873047,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.2415858209133148},{"word":"owe","start":2210.555,"end":2210.7148,"confidence":0.70654297,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.17095999419689178},{"word":"me","start":2210.7148,"end":2210.875,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.245873361825943},{"word":"a","start":2210.875,"end":2210.9548,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17027924954891205},{"word":"bit","start":2210.9548,"end":2211.115,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.18237094581127167},{"word":"of","start":2211.115,"end":2211.1948,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2000443339347839},{"word":"money","start":2211.1948,"end":2211.6948,"confidence":0.9667969,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.16571155190467834},{"word":"anyway","start":2212.555,"end":2212.875,"confidence":0.96777344,"punctuated_word":"Anyway","sentiment":"neutral","sentiment_score":-0.042571958154439926},{"word":"yep","start":2215.93,"end":2216.41,"confidence":0.86157227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09434236586093904},{"word":"yep","start":2216.41,"end":2216.73,"confidence":0.9152832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09117992967367172},{"word":"yep","start":2216.73,"end":2217.23,"confidence":0.9172363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10197889804840088},{"word":"yep","start":2218.09,"end":2218.59,"confidence":0.87280273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2431166172027588},{"word":"yep","start":2219.21,"end":2219.37,"confidence":0.7352295,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31727367639541626},{"word":"bye","start":2219.37,"end":2219.87,"confidence":0.692749,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.25883805751800537},{"word":"yep","start":2226.17,"end":2226.67,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0017808452248573303},{"word":"mhmm","start":2232.855,"end":2233.355,"confidence":0.9954834,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0020930850878357887},{"word":"yep","start":2249.99,"end":2250.49,"confidence":0.9111328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1215299665927887},{"word":"yep","start":2255.0452,"end":2255.5452,"confidence":0.7636719,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09849145263433456},{"word":"mhmm","start":2261.445,"end":2261.945,"confidence":0.9501953,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02224989607930183},{"word":"yeah","start":2265.6052,"end":2265.7651,"confidence":0.9494629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0789642482995987},{"word":"right","start":2265.7651,"end":2266.0051,"confidence":0.82910156,"punctuated_word":"Right","sentiment":"neutral","sentiment_score":0.10698607563972472},{"word":"now","start":2266.0051,"end":2266.5051,"confidence":0.8828125,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.11560216546058656},{"word":"yeah","start":2269.685,"end":2270.0051,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09465928375720978},{"word":"right","start":2270.0051,"end":2270.165,"confidence":0.9404297,"punctuated_word":"Right","sentiment":"neutral","sentiment_score":0.0643577128648758},{"word":"now","start":2270.165,"end":2270.46,"confidence":0.9572754,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1000743806362152},{"word":"yep","start":2270.7,"end":2271.2,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14776551723480225},{"word":"too","start":2272.22,"end":2272.46,"confidence":0.81396484,"punctuated_word":"Too","sentiment":"positive","sentiment_score":0.4738704562187195},{"word":"easy","start":2272.46,"end":2272.96,"confidence":0.859375,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.48198771476745605},{"word":"no","start":2274.22,"end":2274.72,"confidence":0.7446289,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0070901960134506226},{"word":"yep","start":2281.82,"end":2282.32,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05330977961421013},{"word":"yep","start":2283.66,"end":2284.14,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13679589331150055},{"word":"that'll","start":2284.14,"end":2284.46,"confidence":0.8815918,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.603630006313324},{"word":"be","start":2284.46,"end":2284.7,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6678656935691833},{"word":"sensational","start":2284.7,"end":2285.2,"confidence":0.9797363,"punctuated_word":"sensational,","sentiment":"positive","sentiment_score":0.6675339937210083},{"word":"please","start":2285.42,"end":2285.92,"confidence":0.98657227,"punctuated_word":"please.","sentiment":"positive","sentiment_score":0.750739574432373},{"word":"yep","start":2294.4949,"end":2294.9949,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1700420081615448},{"word":"yep","start":2302.67,"end":2303.1501,"confidence":0.96850586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1708846390247345},{"word":"alright","start":2303.1501,"end":2303.6501,"confidence":0.9970703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2997059226036072},{"word":"that'll","start":2303.95,"end":2304.35,"confidence":0.78149414,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.4815661311149597},{"word":"be","start":2304.35,"end":2304.51,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7561827301979065},{"word":"great","start":2304.51,"end":2305.01,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7922435402870178},{"word":"no","start":2311.71,"end":2312.03,"confidence":0.8742676,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.09416107833385468},{"word":"you","start":2312.03,"end":2312.27,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.227743998169899},{"word":"too","start":2312.27,"end":2312.51,"confidence":0.9980469,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.24540235102176663},{"word":"thank","start":2312.51,"end":2312.75,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5154027938842773},{"word":"you","start":2312.75,"end":2313.2068,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4992830753326416},{"word":"alright","start":2316.1667,"end":2316.6467,"confidence":0.9941406,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2262413203716278},{"word":"okay","start":2316.6467,"end":2317.0469,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19824278354644775},{"word":"bye","start":2317.0469,"end":2317.5469,"confidence":0.99902344,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.1930307149887085}],"paragraphs":{"transcript":"\nHello. Paul speaking. Good. Thanks. How are you?\n\nYeah. That's fine. Yep. Pretty busy. Not too bad, mate.\n\nHow about yours? Good. Yeah. Nice. Very good.\n\nI'm not too sure. I don't know. When did we touch base? Probably last one inch, were you? I imagine.\n\nI don't think so. We probably just run over them numbers again if we need to. Yep. Yep. Yep.\n\nYep. Alright. Yep. Sounds good. Yeah.\n\nThat's fine. So Paul Monaghan, the tenth of the ninth nineteen eighty nine in James O'Donnell Drive, Barnesville. Yeah. I have that. Look at that.\n\nYep. Sure have. Yeah. Yep. Yep.\n\nYes. Yes. Probably not really. Probably just looking at it. Is it look at, like, Benelon, Australian Equities and that there.\n\nThat that's probably that's probably the only thing I really look at is it. And I'm like, it's probably the one that's not doing not doing too much. Yep. Yep. Yes.\n\nYes. Yeah. Yep. Yep. Yep.\n\nYep. Yep. I just want someone that's gonna make me money. I shouldn't be like that. Yeah.\n\nI'm pretty upfront with that. Yeah. Yeah. I'm I'm pretty upfront with that. I just wanna make money.\n\nI don't work for the front of it. Yep. Yes. Yep. Yep.\n\nYep. Let's do that. Yep. Mhmm. Yep.\n\nYeah. You're right. Yep. Sounds good. So that 11 and a half percent, so that was made for the last twelve months, is that net of your fees?\n\nLike, is that your fees? Yep. That yeah. Righto. So that's with your fees taken out.\n\nYeah. Righto. Yep. Beautiful. Yeah.\n\nRighto. Nice. Have you I'm sorry. Have you got a, like, a since I've joined you, have you got an average of what I've made? Does that make sense?\n\nFor the last I think it's been, yeah, three three to four years, maybe three years. Yep. Yeah. Righto. Yep.\n\nYeah. Yep. No. That's good. Very good.\n\nYep. Yep. Yeah. Mhmm. Yep.\n\nYeah. Yep. Yeah. Probably just at this stage, like, I am only still, what, 36, 10 towards 37. I think I'm still young enough really to stay high growth.\n\nLike, I still got a long time of work, unfortunately. Yes. Yes. Yep. Yep.\n\nYeah. Yep. No. Very good. Yeah.\n\nYes. Yep. Yep. Yep. Yep.\n\nIf it doesn't cost anything to have a look at it, I'm always willing to have a look at something that's just as good, but I'm not paying as many fees. I'm always happy to have a look. Yep. Yeah. Yeah.\n\nRight. Yeah. Yeah. Yep. Yeah.\n\nYeah. I'm still happy with that. Yep. Yep. I don't think it'll worry me too much.\n\nI'll be dead. Anyway no. All good. Sorry. No.\n\nIt's all good. I do can. So yeah. Yep. Yeah.\n\nWe so so we're fully offset. We we still have loans open, but it's fully offset. Yeah. There's nothing there. It's it's it's literally we owe money because we wanna keep the loan open at this stage.\n\nThis way yeah. Yeah. Yep. Yep. Yep.\n\nNo. I'd leave it around there. Yeah. Yeah. I don't know what they're worth these days, but I'll be around that.\n\nI don't know. Yeah. Yeah. We're right. Yep.\n\nFor sure. 2,000 seven, man. It's very it's a it's a hot run. Yeah. Yeah.\n\nYeah. Yeah. That's me work. Alright. Yeah.\n\nYep. Yeah. Well, I couldn't tell you. It'll be roughly that. Possibly more, possibly less.\n\nBut, yeah, that seems to be right. Yeah. Yep. Yep. Yep.\n\nI think I'm probably sitting around 200, roughly. That's what I keep telling them. That's what I keep telling them. Yeah. Anyway No.\n\nI I think we do quite well, Simon. There's probably more than that. Yeah. It'd be a lot more than that with what's fitting. Right?\n\nYou're right. Yes. Let's do that. Yep. Yep.\n\nYep. Yeah. I I should do that. Yep. That'd be sensational.\n\nYep. Yep. That'd be sensational. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Beautiful.\n\nYep. Yep. Yep. Well, I'm willing to cut deals. We'll put it this well, if we do better than 11 half percent, let's say we go 13%, I'm happy to pay you, like, 1.2%.\n\nBut if we don't go better than that, I'll pay, like, point nine. And how's that for you? Yep. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo. Yep. Yep. So what what were the numbers again? Yep.\n\nYeah. Righto. So twenty's like like, anything over 20, you're expecting a little bit of volatility. And below that yeah. Righto.\n\nYep. Yeah. Righto. Yep. Yes.\n\nYes. So so just going back a step, the 1.1% that we like, fees that we pay, and that's and that is that capped at 500,000 or 600? Yep. Okay. Beautiful.\n\nYep. Yep. That's the plan. Yep. Yep.\n\nAlright. Yep. Yeah. Righto. Yep.\n\nWe are looking to move, buy another property. I don't know. We yeah. We do need to move. It's as simple as that.\n\nWe need to move. We need to buy another property. We'll be obliged to possibly bought investment property. Yeah. But if we look to move, it'll be worth more money as such, if that makes sense.\n\nLike, it it it's going it's going to cost us money to move. Yeah. Yeah. Yeah. But yeah.\n\nThat's probably about it. That's all we're, yeah, looking to do at this stage, I reckon. Yeah. Yep. Yep.\n\nThat's another thing. Yes. For sure. Even earlier if I can. Yep.\n\nSo when yes. So when can I access my Subaru? Am I '60 or am I '67? Or '60. You're right.\n\nI thought I'd be right. Yeah. Right. I thought I'd be 67. I don't know why.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYeah. Right. Beautiful. Yeah. Nice.\n\nYep. Sensational. Yeah. No. That's that's yeah.\n\nNo. That's that's that's actually made me happy. Probably the only like, the only thing that I really hate is paying tax. Honestly, I hate paying tax. If we can come up with some strategies, I don't know what we can do.\n\nPotentially, I pay a lot of tax. Well, both Jackie and I, we pay a lot of tax, which is great. If you're paying tax, you're earning money. That's great. But I want to reduce paying so much.\n\nI don't know how. That's yeah. Yeah. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yes.\n\nYes. That's disappointing, isn't it? Yeah. Yeah. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yeah. Yep. Yep. I'd yeah.\n\nI probably still need to look at I'd say this year, I'll max out, what would you say, super or, like, when I say max out at 15% tax rate. I should be looking to do that moving forward, I imagine. Keep maxing that out. What's the maximum? Is is it up to $30, or is it 27 r?\n\nYep. Isn't good. They're really stuffing me around. Yeah. It's probably not as silly as it sounds.\n\nSo how do I go about working out what my catch up could be? Yep. Yep. So when I say catch up, does that have to go straight from payroll from work, or can I grab money out of the bank and put it in? Yep.\n\nOkay. Yeah. Right. There we go. Nice.\n\nAlright. Mhmm. Yep. Mhmm. Yeah.\n\nYeah. And I've still got another and I've still got another pay to come in, I imagine. I still got yeah. Because yeah. Because I'm on salary, and I get paid monthly.\n\nSo I'll still I'll still have one to come. Yep. Yep. Yes. Yeah.\n\nYep. Yep. Yeah. Beautiful. Well, we might look at doing that.\n\nSo, yeah, if you can send me through a word and let us know what I'm gonna do, because I'll probably I'll I'll I'll have to get on to that. Yep. Yep. Yep. Yeah.\n\nRight now. Yep. Yep. Yeah. Nice.\n\nThat sounds good. Perfect. No. Probably not at this stage. But, yeah, I just want I yeah.\n\nI just want I just want to talk about, yeah, contributions moving forward. Do will or do they increase per year? Do they follow inflation and such or anything? Yep. Yep.\n\nYep. Yep. Yep. Yeah. Right.\n\nYeah. Alright. Yeah. So we should be looking at maxing it out this year. As I well well, like and putting that extra in.\n\nAnd then next year, probably need to look at salary sacrificing more straight out of my yeah. They yeah. Yeah. They they owed me plenty this year, but yeah. Because I think you'll see one yeah.\n\nThere's one yeah. There's a couple of pay cycles there where I was paid probably more than what I'm usually paid. Yeah. Yep. So and I think yeah.\n\nThey owe me a bit of money. Anyway Yep. Yep. Yep. Yep.\n\nYep. Bye. Yep. Mhmm. Yep.\n\nYep. Mhmm. Yeah. Right now. Yeah.\n\nRight now. Yep. Too easy. No. Yep.\n\nYep. That'll be sensational, please. Yep. Yep. Alright.\n\nThat'll be great. No. You too. Thank you. Alright.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.12,"sentiment":"neutral","sentiment_score":0.02519354224205017},{"text":"Paul speaking.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.021063787396997213},{"text":"Good.","start":5.92,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5236645936965942},{"text":"Thanks.","start":6.3199997,"end":6.56,"sentiment":"positive","sentiment_score":0.5528196096420288},{"text":"How are you?","start":6.56,"end":7.46,"sentiment":"positive","sentiment_score":0.3344967762629191}],"sentiment":"neutral","sentiment_score":0.2684119561454281,"num_words":8,"start":0.71999997,"end":7.46},{"sentences":[{"text":"Yeah.","start":12.88,"end":13.12,"sentiment":"neutral","sentiment_score":0.14834588766098022},{"text":"That's fine.","start":13.12,"end":13.84,"sentiment":"neutral","sentiment_score":0.2116406187415123},{"text":"Yep.","start":13.84,"end":14.34,"sentiment":"neutral","sentiment_score":0.19463446736335752},{"text":"Pretty busy.","start":17.685,"end":18.425,"sentiment":"neutral","sentiment_score":0.030440781265497208},{"text":"Not too bad, mate.","start":18.485,"end":19.625,"sentiment":"neutral","sentiment_score":0.06066142022609711}],"sentiment":"neutral","sentiment_score":0.10697888359427452,"num_words":10,"start":12.88,"end":19.625},{"sentences":[{"text":"How about yours?","start":19.925,"end":20.825,"sentiment":"neutral","sentiment_score":0.08742913355429967},{"text":"Good.","start":22.805,"end":23.305,"sentiment":"neutral","sentiment_score":0.3059096336364746},{"text":"Yeah.","start":25.045,"end":25.365,"sentiment":"neutral","sentiment_score":0.1737966537475586},{"text":"Nice.","start":25.365,"end":25.865,"sentiment":"positive","sentiment_score":0.4163999259471894},{"text":"Very good.","start":26.645,"end":27.544998,"sentiment":"positive","sentiment_score":0.4815295338630676}],"sentiment":"neutral","sentiment_score":0.2651815852150321,"num_words":8,"start":19.925,"end":27.544998},{"sentences":[{"text":"I'm not too sure.","start":36.83,"end":38.03,"sentiment":"neutral","sentiment_score":-0.07090966682881117},{"text":"I don't know.","start":38.03,"end":38.83,"sentiment":"neutral","sentiment_score":-0.07369112720092137},{"text":"When did we touch base?","start":38.83,"end":39.79,"sentiment":"neutral","sentiment_score":-0.03564044050872326},{"text":"Probably last one inch, were you?","start":39.79,"end":41.33,"sentiment":"neutral","sentiment_score":-0.018467117256174486},{"text":"I imagine.","start":41.71,"end":42.45,"sentiment":"neutral","sentiment_score":-0.03550861217081547}],"sentiment":"neutral","sentiment_score":-0.04323670896701515,"num_words":20,"start":36.83,"end":42.45},{"sentences":[{"text":"I don't think so.","start":45.755,"end":47.135002,"sentiment":"neutral","sentiment_score":-0.04907429125159979},{"text":"We probably just run over them numbers again if we need to.","start":47.195,"end":50.095,"sentiment":"neutral","sentiment_score":-0.04339447027693192},{"text":"Yep.","start":50.555,"end":51.055,"sentiment":"neutral","sentiment_score":0.01338228490203619},{"text":"Yep.","start":52.555,"end":53.055,"sentiment":"neutral","sentiment_score":0.09462615102529526},{"text":"Yep.","start":66.740005,"end":67.240005,"sentiment":"neutral","sentiment_score":0.0752921998500824}],"sentiment":"neutral","sentiment_score":-0.02809106171327202,"num_words":19,"start":45.755,"end":67.240005},{"sentences":[{"text":"Yep.","start":71.700005,"end":72.200005,"sentiment":"neutral","sentiment_score":0.04456201195716858},{"text":"Alright.","start":72.485,"end":72.885,"sentiment":"neutral","sentiment_score":0.09573893249034882},{"text":"Yep.","start":72.885,"end":73.244995,"sentiment":"neutral","sentiment_score":0.09070717543363573},{"text":"Sounds good.","start":73.244995,"end":74.104996,"sentiment":"neutral","sentiment_score":0.17216180264949799},{"text":"Yeah.","start":84.085,"end":84.405,"sentiment":"neutral","sentiment_score":0.09116017818450928}],"sentiment":"neutral","sentiment_score":0.11108198389410973,"num_words":6,"start":71.700005,"end":84.405},{"sentences":[{"text":"That's fine.","start":84.405,"end":85.225,"sentiment":"neutral","sentiment_score":0.1441493108868599},{"text":"So Paul Monaghan, the tenth of the ninth nineteen eighty nine in James O'Donnell Drive, Barnesville.","start":94.86,"end":101.03999,"sentiment":"neutral","sentiment_score":0.02778578014113009},{"text":"Yeah.","start":114.095,"end":114.415,"sentiment":"neutral","sentiment_score":0.02797063998878002},{"text":"I have that.","start":114.415,"end":114.975006,"sentiment":"neutral","sentiment_score":0.031357624878486},{"text":"Look at that.","start":114.975006,"end":115.535,"sentiment":"neutral","sentiment_score":0.045474689453840256}],"sentiment":"neutral","sentiment_score":0.0396535474807024,"num_words":25,"start":84.405,"end":115.535},{"sentences":[{"text":"Yep.","start":115.535,"end":115.89,"sentiment":"neutral","sentiment_score":0.09597992897033691},{"text":"Sure have.","start":116.93,"end":123.75,"sentiment":"neutral","sentiment_score":0.2608862444758415},{"text":"Yeah.","start":125.57,"end":126.07,"sentiment":"neutral","sentiment_score":0.04924849793314934},{"text":"Yep.","start":140.985,"end":141.39,"sentiment":"neutral","sentiment_score":0.14828385412693024},{"text":"Yep.","start":157.995,"end":158.495,"sentiment":"positive","sentiment_score":0.4132893085479736}],"sentiment":"neutral","sentiment_score":0.20476234642167887,"num_words":6,"start":115.535,"end":158.495},{"sentences":[{"text":"Yes.","start":180.19,"end":180.69,"sentiment":"positive","sentiment_score":0.37882253527641296},{"text":"Yes.","start":184.27,"end":184.77,"sentiment":"neutral","sentiment_score":0.08587803691625595},{"text":"Probably not really.","start":195.815,"end":197.435,"sentiment":"neutral","sentiment_score":-0.052244490633408226},{"text":"Probably just looking at it.","start":198.69499,"end":200.28,"sentiment":"neutral","sentiment_score":-0.027058175392448904},{"text":"Is it look at, like, Benelon, Australian Equities and that there.","start":204.2,"end":207.74,"sentiment":"neutral","sentiment_score":0.012920946390791372}],"sentiment":"neutral","sentiment_score":0.014990792077566897,"num_words":21,"start":180.19,"end":207.74},{"sentences":[{"text":"That that's probably that's probably the only thing I really look at is it.","start":209.8,"end":212.76,"sentiment":"neutral","sentiment_score":0.0035731107262628424},{"text":"And I'm like, it's probably the one that's not doing not doing too much.","start":212.76,"end":219.44499,"sentiment":"neutral","sentiment_score":-0.10802596295252442},{"text":"Yep.","start":219.44499,"end":219.94499,"sentiment":"neutral","sentiment_score":0.03647683560848236},{"text":"Yep.","start":222.885,"end":223.385,"sentiment":"neutral","sentiment_score":0.03724454343318939},{"text":"Yes.","start":237.91,"end":238.41,"sentiment":"neutral","sentiment_score":-0.0502784289419651}],"sentiment":"neutral","sentiment_score":-0.046416031647353403,"num_words":31,"start":209.8,"end":238.41},{"sentences":[{"text":"Yes.","start":242.79001,"end":243.29001,"sentiment":"neutral","sentiment_score":-0.08024965226650238},{"text":"Yeah.","start":252.05501,"end":252.55501,"sentiment":"neutral","sentiment_score":0.014299817383289335},{"text":"Yep.","start":252.695,"end":253.195,"sentiment":"neutral","sentiment_score":0.03049830161035061},{"text":"Yep.","start":259.43,"end":259.93,"sentiment":"neutral","sentiment_score":0.04948732256889343},{"text":"Yep.","start":266.79,"end":267.29,"sentiment":"neutral","sentiment_score":0.09657096117734908}],"sentiment":"neutral","sentiment_score":0.022121350094676015,"num_words":5,"start":242.79001,"end":267.29},{"sentences":[{"text":"Yep.","start":270.975,"end":271.475,"sentiment":"neutral","sentiment_score":0.14766287803649902},{"text":"Yep.","start":284.21,"end":284.71,"sentiment":"neutral","sentiment_score":0.09564517438411713},{"text":"I just want someone that's gonna make me money.","start":302.77502,"end":304.77502,"sentiment":"neutral","sentiment_score":-0.15814896507395637},{"text":"I shouldn't be like that.","start":304.77502,"end":306.155,"sentiment":"negative","sentiment_score":-0.34030806720256807},{"text":"Yeah.","start":308.59,"end":308.91,"sentiment":"neutral","sentiment_score":-0.14473915100097656}],"sentiment":"neutral","sentiment_score":-0.178018360015224,"num_words":17,"start":270.975,"end":308.91},{"sentences":[{"text":"I'm pretty upfront with that.","start":308.91,"end":310.35,"sentiment":"neutral","sentiment_score":-0.13280593752861022},{"text":"Yeah.","start":310.35,"end":310.85,"sentiment":"neutral","sentiment_score":-0.04385721683502197},{"text":"Yeah.","start":310.91,"end":311.38998,"sentiment":"neutral","sentiment_score":-0.07393746078014374},{"text":"I'm I'm pretty upfront with that.","start":311.38998,"end":312.66998,"sentiment":"neutral","sentiment_score":-0.10732957099874814},{"text":"I just wanna make money.","start":312.66998,"end":313.88998,"sentiment":"neutral","sentiment_score":-0.10048001110553742}],"sentiment":"neutral","sentiment_score":-0.10712232482102182,"num_words":18,"start":308.91,"end":313.88998},{"sentences":[{"text":"I don't work for the front of it.","start":313.94998,"end":315.65,"sentiment":"neutral","sentiment_score":-0.12872534221969545},{"text":"Yep.","start":319.78998,"end":320.28998,"sentiment":"neutral","sentiment_score":0.15912505984306335},{"text":"Yes.","start":334.185,"end":334.685,"sentiment":"neutral","sentiment_score":0.10970704257488252},{"text":"Yep.","start":337.95,"end":338.45,"sentiment":"neutral","sentiment_score":0.14767923951148987},{"text":"Yep.","start":346.11,"end":346.61,"sentiment":"neutral","sentiment_score":0.10959094762802124}],"sentiment":"neutral","sentiment_score":-0.04197503735000888,"num_words":12,"start":313.94998,"end":346.61},{"sentences":[{"text":"Yep.","start":346.67,"end":347.17,"sentiment":"neutral","sentiment_score":0.12288879603147508},{"text":"Let's do that.","start":348.67,"end":349.73,"sentiment":"positive","sentiment_score":0.3471479117870331},{"text":"Yep.","start":369.9,"end":370.4,"sentiment":"neutral","sentiment_score":0.026205360889434814},{"text":"Mhmm.","start":375.74,"end":376.24,"sentiment":"neutral","sentiment_score":0.03146979957818985},{"text":"Yep.","start":383.945,"end":384.445,"sentiment":"neutral","sentiment_score":0.0902918428182602}],"sentiment":"neutral","sentiment_score":0.18747136209692275,"num_words":7,"start":346.67,"end":384.445},{"sentences":[{"text":"Yeah.","start":394.98502,"end":395.305,"sentiment":"neutral","sentiment_score":0.05582364276051521},{"text":"You're right.","start":395.305,"end":395.865,"sentiment":"neutral","sentiment_score":0.0836886316537857},{"text":"Yep.","start":395.865,"end":396.365,"sentiment":"neutral","sentiment_score":0.06998065114021301},{"text":"Sounds good.","start":397.13,"end":397.95,"sentiment":"positive","sentiment_score":0.46667759120464325},{"text":"So that 11 and a half percent, so that was made for the last twelve months, is that net of your fees?","start":399.77002,"end":407.37,"sentiment":"neutral","sentiment_score":0.043529710097407755}],"sentiment":"neutral","sentiment_score":0.0780067986343056,"num_words":28,"start":394.98502,"end":407.37},{"sentences":[{"text":"Like, is that your fees?","start":407.37,"end":409.07,"sentiment":"neutral","sentiment_score":0.009054400771856309},{"text":"Yep.","start":409.93,"end":410.25,"sentiment":"neutral","sentiment_score":0.013070408254861832},{"text":"That yeah.","start":410.25,"end":414.615,"sentiment":"neutral","sentiment_score":0.031175781972706318},{"text":"Righto.","start":414.615,"end":414.935,"sentiment":"neutral","sentiment_score":0.05086168274283409},{"text":"So that's with your fees taken out.","start":414.935,"end":416.79498,"sentiment":"neutral","sentiment_score":0.05021301710179874}],"sentiment":"neutral","sentiment_score":0.03269042365718633,"num_words":16,"start":407.37,"end":416.79498},{"sentences":[{"text":"Yeah.","start":418.29498,"end":418.615,"sentiment":"neutral","sentiment_score":0.1550692468881607},{"text":"Righto.","start":418.615,"end":419.115,"sentiment":"neutral","sentiment_score":0.07438212633132935},{"text":"Yep.","start":419.41498,"end":419.91498,"sentiment":"neutral","sentiment_score":0.06183091923594475},{"text":"Beautiful.","start":419.975,"end":420.475,"sentiment":"positive","sentiment_score":0.5031089782714844},{"text":"Yeah.","start":420.85498,"end":421.095,"sentiment":"neutral","sentiment_score":0.2913641929626465}],"sentiment":"neutral","sentiment_score":0.21715109273791314,"num_words":5,"start":418.29498,"end":421.095},{"sentences":[{"text":"Righto.","start":421.095,"end":421.595,"sentiment":"positive","sentiment_score":0.3382890820503235},{"text":"Nice.","start":422.535,"end":423.035,"sentiment":"positive","sentiment_score":0.4301832318305969},{"text":"Have you I'm sorry.","start":425.24002,"end":427.88,"sentiment":"neutral","sentiment_score":-0.026428154669702053},{"text":"Have you got a, like, a since I've joined you, have you got an average of what I've made?","start":427.88,"end":434.14,"sentiment":"neutral","sentiment_score":-0.01569951850136644},{"text":"Does that make sense?","start":434.28,"end":435.42,"sentiment":"neutral","sentiment_score":-0.0051645414205268025}],"sentiment":"neutral","sentiment_score":0.01185554062048423,"num_words":29,"start":421.095,"end":435.42},{"sentences":[{"text":"For the last I think it's been, yeah, three three to four years, maybe three years.","start":436.545,"end":441.045,"sentiment":"neutral","sentiment_score":0.010170480003580451},{"text":"Yep.","start":445.185,"end":445.685,"sentiment":"neutral","sentiment_score":0.051238059997558594},{"text":"Yeah.","start":455.6,"end":455.91998,"sentiment":"neutral","sentiment_score":0.06503939628601074},{"text":"Righto.","start":455.91998,"end":456.41998,"sentiment":"neutral","sentiment_score":0.0819888710975647},{"text":"Yep.","start":456.47998,"end":456.97998,"sentiment":"neutral","sentiment_score":0.07996642589569092}],"sentiment":"neutral","sentiment_score":0.02204802166670561,"num_words":20,"start":436.545,"end":456.97998},{"sentences":[{"text":"Yeah.","start":460.995,"end":461.495,"sentiment":"neutral","sentiment_score":0.06923343241214752},{"text":"Yep.","start":470.435,"end":470.935,"sentiment":"neutral","sentiment_score":0.2145269811153412},{"text":"No.","start":472.995,"end":473.235,"sentiment":"neutral","sentiment_score":0.14045245945453644},{"text":"That's good.","start":473.235,"end":474.055,"sentiment":"neutral","sentiment_score":0.20278722792863846},{"text":"Very good.","start":475.92,"end":476.82,"sentiment":"positive","sentiment_score":0.42997679114341736}],"sentiment":"neutral","sentiment_score":0.24139155873230525,"num_words":7,"start":460.995,"end":476.82},{"sentences":[{"text":"Yep.","start":505.495,"end":505.86,"sentiment":"neutral","sentiment_score":-0.061638243496418},{"text":"Yep.","start":515.54,"end":516.04,"sentiment":"neutral","sentiment_score":0.040519725531339645},{"text":"Yeah.","start":518.66,"end":519.16,"sentiment":"neutral","sentiment_score":0.03845776244997978},{"text":"Mhmm.","start":527.135,"end":527.635,"sentiment":"neutral","sentiment_score":0.008192452602088451},{"text":"Yep.","start":541.57,"end":542.07,"sentiment":"neutral","sentiment_score":0.09525271505117416}],"sentiment":"neutral","sentiment_score":0.02415688242763281,"num_words":5,"start":505.495,"end":542.07},{"sentences":[{"text":"Yeah.","start":561.345,"end":561.845,"sentiment":"neutral","sentiment_score":-0.03238717466592789},{"text":"Yep.","start":563.105,"end":563.605,"sentiment":"neutral","sentiment_score":0.0004905834794044495},{"text":"Yeah.","start":571.83997,"end":572.33997,"sentiment":"neutral","sentiment_score":0.002681933343410492},{"text":"Probably just at this stage, like, I am only still, what, 36, 10 towards 37.","start":572.63995,"end":577.93994,"sentiment":"neutral","sentiment_score":-0.060838459183772405},{"text":"I think I'm still young enough really to stay high growth.","start":578.295,"end":583.27496,"sentiment":"neutral","sentiment_score":0.10272909904068167}],"sentiment":"neutral","sentiment_score":0.006490639443027562,"num_words":29,"start":561.345,"end":583.27496},{"sentences":[{"text":"Like, I still got a long time of work, unfortunately.","start":583.495,"end":586.555,"sentiment":"neutral","sentiment_score":-0.1378989027813077},{"text":"Yes.","start":592.135,"end":592.47,"sentiment":"neutral","sentiment_score":-0.054534751921892166},{"text":"Yes.","start":600.70996,"end":601.20996,"sentiment":"neutral","sentiment_score":0.05252760648727417},{"text":"Yep.","start":611.075,"end":611.575,"sentiment":"positive","sentiment_score":0.34064024686813354},{"text":"Yep.","start":635.17,"end":635.67,"sentiment":"neutral","sentiment_score":0.12124260514974594}],"sentiment":"neutral","sentiment_score":-0.0656509515164154,"num_words":14,"start":583.495,"end":635.67},{"sentences":[{"text":"Yeah.","start":641.345,"end":641.845,"sentiment":"neutral","sentiment_score":0.0597040057182312},{"text":"Yep.","start":641.985,"end":642.485,"sentiment":"neutral","sentiment_score":0.09446954727172852},{"text":"No.","start":643.185,"end":643.685,"sentiment":"neutral","sentiment_score":0.0518365353345871},{"text":"Very good.","start":644.065,"end":644.885,"sentiment":"neutral","sentiment_score":0.28392112255096436},{"text":"Yeah.","start":659.91,"end":660.41,"sentiment":"neutral","sentiment_score":0.2599877119064331}],"sentiment":"neutral","sentiment_score":0.17230667422215143,"num_words":6,"start":641.345,"end":660.41},{"sentences":[{"text":"Yes.","start":676.425,"end":676.925,"sentiment":"positive","sentiment_score":0.4100075364112854},{"text":"Yep.","start":682.12,"end":682.62,"sentiment":"neutral","sentiment_score":0.11654788255691528},{"text":"Yep.","start":683.0,"end":683.5,"sentiment":"neutral","sentiment_score":0.11018380522727966},{"text":"Yep.","start":695.685,"end":696.185,"sentiment":"neutral","sentiment_score":0.05089978501200676},{"text":"Yep.","start":708.63,"end":709.13,"sentiment":"neutral","sentiment_score":0.09499527513980864}],"sentiment":"neutral","sentiment_score":0.15652685686945916,"num_words":5,"start":676.425,"end":709.13},{"sentences":[{"text":"If it doesn't cost anything to have a look at it, I'm always willing to have a look at something that's just as good, but I'm not paying as many fees.","start":726.34503,"end":733.305,"sentiment":"neutral","sentiment_score":0.11902449171869986},{"text":"I'm always happy to have a look.","start":733.305,"end":734.73,"sentiment":"neutral","sentiment_score":0.3255950744662966},{"text":"Yep.","start":743.76996,"end":744.26996,"sentiment":"neutral","sentiment_score":-0.0029105129651725292},{"text":"Yeah.","start":759.265,"end":759.765,"sentiment":"positive","sentiment_score":0.3755362629890442},{"text":"Yeah.","start":762.3,"end":762.54,"sentiment":"neutral","sentiment_score":0.3022211790084839}],"sentiment":"neutral","sentiment_score":0.16204321203844213,"num_words":41,"start":726.34503,"end":762.54},{"sentences":[{"text":"Right.","start":762.54,"end":763.04,"sentiment":"neutral","sentiment_score":0.1914611458778381},{"text":"Yeah.","start":772.3,"end":772.8,"sentiment":"neutral","sentiment_score":0.022361995652318},{"text":"Yeah.","start":772.94,"end":773.44,"sentiment":"neutral","sentiment_score":-0.0033967364579439163},{"text":"Yep.","start":780.655,"end":781.155,"sentiment":"neutral","sentiment_score":0.04556914418935776},{"text":"Yeah.","start":786.89,"end":787.39,"sentiment":"neutral","sentiment_score":0.061610691249370575}],"sentiment":"neutral","sentiment_score":0.06352124810218811,"num_words":5,"start":762.54,"end":787.39},{"sentences":[{"text":"Yeah.","start":787.69,"end":787.93,"sentiment":"neutral","sentiment_score":0.09051701426506042},{"text":"I'm still happy with that.","start":787.93,"end":789.13,"sentiment":"neutral","sentiment_score":0.15669757425785064},{"text":"Yep.","start":789.13,"end":789.61,"sentiment":"neutral","sentiment_score":0.10270354151725768},{"text":"Yep.","start":789.61,"end":790.11,"sentiment":"neutral","sentiment_score":0.16176185011863708},{"text":"I don't think it'll worry me too much.","start":791.53,"end":793.39,"sentiment":"neutral","sentiment_score":-0.04337642528116703}],"sentiment":"neutral","sentiment_score":0.04946617968380451,"num_words":16,"start":787.69,"end":793.39},{"sentences":[{"text":"I'll be dead.","start":795.21,"end":796.11,"sentiment":"neutral","sentiment_score":-0.14591887593269348},{"text":"Anyway no.","start":801.455,"end":802.335,"sentiment":"neutral","sentiment_score":-0.02529778517782688},{"text":"All good.","start":802.335,"end":802.655,"sentiment":"neutral","sentiment_score":0.04317470267415047},{"text":"Sorry.","start":802.655,"end":803.155,"sentiment":"neutral","sentiment_score":-0.01761227659881115},{"text":"No.","start":813.91,"end":814.41,"sentiment":"neutral","sentiment_score":0.04323292896151543}],"sentiment":"neutral","sentiment_score":-0.04182023782696989,"num_words":9,"start":795.21,"end":814.41},{"sentences":[{"text":"It's all good.","start":814.70996,"end":815.35,"sentiment":"neutral","sentiment_score":0.19395803908507028},{"text":"I do can.","start":815.35,"end":815.99,"sentiment":"neutral","sentiment_score":0.23524641493956247},{"text":"So yeah.","start":815.99,"end":817.13,"sentiment":"neutral","sentiment_score":0.08655047044157982},{"text":"Yep.","start":819.02997,"end":819.52997,"sentiment":"neutral","sentiment_score":0.15959838032722473},{"text":"Yeah.","start":831.275,"end":831.675,"sentiment":"neutral","sentiment_score":0.03913194686174393}],"sentiment":"neutral","sentiment_score":0.16594446301460267,"num_words":10,"start":814.70996,"end":831.675},{"sentences":[{"text":"We so so we're fully offset.","start":831.675,"end":834.575,"sentiment":"neutral","sentiment_score":0.06037952688833078},{"text":"We we still have loans open, but it's fully offset.","start":834.635,"end":839.375,"sentiment":"neutral","sentiment_score":0.04330892004072666},{"text":"Yeah.","start":844.84,"end":845.24,"sentiment":"neutral","sentiment_score":-0.02353806421160698},{"text":"There's nothing there.","start":845.24,"end":846.2,"sentiment":"neutral","sentiment_score":-0.06495812038580577},{"text":"It's it's it's literally we owe money because we wanna keep the loan open at this stage.","start":846.2,"end":851.5,"sentiment":"neutral","sentiment_score":0.03372424062998856}],"sentiment":"neutral","sentiment_score":0.031088271002108987,"num_words":37,"start":831.675,"end":851.5},{"sentences":[{"text":"This way yeah.","start":851.96,"end":853.98,"sentiment":"neutral","sentiment_score":0.10025083273649216},{"text":"Yeah.","start":856.97504,"end":857.47504,"sentiment":"neutral","sentiment_score":0.12145109474658966},{"text":"Yep.","start":859.775,"end":860.275,"sentiment":"neutral","sentiment_score":0.12736530601978302},{"text":"Yep.","start":860.97504,"end":861.215,"sentiment":"neutral","sentiment_score":0.1694147288799286},{"text":"Yep.","start":861.215,"end":861.715,"sentiment":"neutral","sentiment_score":0.3253488540649414}],"sentiment":"neutral","sentiment_score":0.14919035456010274,"num_words":7,"start":851.96,"end":861.715},{"sentences":[{"text":"No.","start":871.83,"end":872.07,"sentiment":"neutral","sentiment_score":-0.08202049136161804},{"text":"I'd leave it around there.","start":872.07,"end":873.37,"sentiment":"neutral","sentiment_score":-0.0815990425646305},{"text":"Yeah.","start":874.87,"end":875.37,"sentiment":"neutral","sentiment_score":0.10170663893222807},{"text":"Yeah.","start":880.63,"end":881.11005,"sentiment":"neutral","sentiment_score":0.01715482585132122},{"text":"I don't know what they're worth these days, but I'll be around that.","start":881.11005,"end":884.755,"sentiment":"neutral","sentiment_score":-0.004452809834709534}],"sentiment":"neutral","sentiment_score":-0.020430512726306915,"num_words":21,"start":871.83,"end":884.755},{"sentences":[{"text":"I don't know.","start":884.755,"end":885.49506,"sentiment":"neutral","sentiment_score":-0.023229430119196575},{"text":"Yeah.","start":887.23505,"end":887.73505,"sentiment":"neutral","sentiment_score":0.07026363164186478},{"text":"Yeah.","start":892.11505,"end":892.275,"sentiment":"neutral","sentiment_score":0.058018624782562256},{"text":"We're right.","start":892.275,"end":892.93506,"sentiment":"neutral","sentiment_score":0.09382015466690063},{"text":"Yep.","start":893.395,"end":893.895,"sentiment":"neutral","sentiment_score":0.08381001651287079}],"sentiment":"neutral","sentiment_score":0.04125553648918867,"num_words":8,"start":884.755,"end":893.895},{"sentences":[{"text":"For sure.","start":894.515,"end":895.335,"sentiment":"neutral","sentiment_score":0.0846179910004139},{"text":"2,000 seven, man.","start":895.79504,"end":896.835,"sentiment":"neutral","sentiment_score":0.1436484307050705},{"text":"It's very it's a it's a hot run.","start":896.835,"end":898.775,"sentiment":"neutral","sentiment_score":0.1712766569107771},{"text":"Yeah.","start":902.81,"end":903.31,"sentiment":"neutral","sentiment_score":0.010868027806282043},{"text":"Yeah.","start":904.09,"end":904.57,"sentiment":"neutral","sentiment_score":0.02220330946147442}],"sentiment":"neutral","sentiment_score":0.13356439111133417,"num_words":15,"start":894.515,"end":904.57},{"sentences":[{"text":"Yeah.","start":904.57,"end":905.07,"sentiment":"neutral","sentiment_score":0.022329214960336685},{"text":"Yeah.","start":905.53,"end":906.01,"sentiment":"neutral","sentiment_score":0.018346060067415237},{"text":"That's me work.","start":906.01,"end":907.07,"sentiment":"neutral","sentiment_score":0.036412847538789116},{"text":"Alright.","start":909.37,"end":909.87,"sentiment":"neutral","sentiment_score":0.1079079732298851},{"text":"Yeah.","start":913.125,"end":913.625,"sentiment":"neutral","sentiment_score":0.06294316053390503}],"sentiment":"neutral","sentiment_score":0.0458235644868442,"num_words":7,"start":904.57,"end":913.625},{"sentences":[{"text":"Yep.","start":914.805,"end":915.305,"sentiment":"neutral","sentiment_score":0.07427489012479782},{"text":"Yeah.","start":923.205,"end":923.705,"sentiment":"neutral","sentiment_score":-0.004605062305927277},{"text":"Well, I couldn't tell you.","start":923.845,"end":925.125,"sentiment":"neutral","sentiment_score":-0.025817328691482545},{"text":"It'll be roughly that.","start":925.125,"end":926.245,"sentiment":"neutral","sentiment_score":-0.022943768883123994},{"text":"Possibly more, possibly less.","start":926.245,"end":927.845,"sentiment":"neutral","sentiment_score":-0.039757843129336834}],"sentiment":"neutral","sentiment_score":-0.020681550912559032,"num_words":15,"start":914.805,"end":927.845},{"sentences":[{"text":"But, yeah, that seems to be right.","start":927.845,"end":935.74,"sentiment":"neutral","sentiment_score":-0.07511024123856},{"text":"Yeah.","start":935.74,"end":936.24,"sentiment":"neutral","sentiment_score":-0.03123476728796959},{"text":"Yep.","start":939.57996,"end":940.07996,"sentiment":"neutral","sentiment_score":0.007441205438226461},{"text":"Yep.","start":940.38,"end":940.88,"sentiment":"neutral","sentiment_score":0.001946755452081561},{"text":"Yep.","start":943.18,"end":943.545,"sentiment":"neutral","sentiment_score":0.04370145499706268}],"sentiment":"neutral","sentiment_score":-0.0458106400064108,"num_words":11,"start":927.845,"end":943.545},{"sentences":[{"text":"I think I'm probably sitting around 200, roughly.","start":957.09,"end":961.99005,"sentiment":"neutral","sentiment_score":0.051481066504493356},{"text":"That's what I keep telling them.","start":965.81,"end":967.43005,"sentiment":"neutral","sentiment_score":0.25688595324754715},{"text":"That's what I keep telling them.","start":969.275,"end":970.895,"sentiment":"neutral","sentiment_score":0.22724939013520876},{"text":"Yeah.","start":971.675,"end":972.175,"sentiment":"neutral","sentiment_score":0.07007886469364166},{"text":"Anyway No.","start":972.47504,"end":985.24,"sentiment":"neutral","sentiment_score":-0.00018163584172725677}],"sentiment":"neutral","sentiment_score":0.14723374718881171,"num_words":23,"start":957.09,"end":985.24},{"sentences":[{"text":"I I think we do quite well, Simon.","start":985.86,"end":987.72003,"sentiment":"neutral","sentiment_score":0.1739478064700961},{"text":"There's probably more than that.","start":988.10004,"end":989.62,"sentiment":"neutral","sentiment_score":0.04158293753862381},{"text":"Yeah.","start":989.62,"end":990.12,"sentiment":"neutral","sentiment_score":0.04328597709536552},{"text":"It'd be a lot more than that with what's fitting.","start":990.26,"end":993.46,"sentiment":"neutral","sentiment_score":0.07814676649868488},{"text":"Right?","start":993.46,"end":993.96,"sentiment":"neutral","sentiment_score":0.08447585254907608}],"sentiment":"neutral","sentiment_score":0.10034906536340714,"num_words":25,"start":985.86,"end":993.96},{"sentences":[{"text":"You're right.","start":1010.925,"end":1011.58496,"sentiment":"neutral","sentiment_score":0.08496249467134476},{"text":"Yes.","start":1015.14,"end":1015.38,"sentiment":"neutral","sentiment_score":0.04079443961381912},{"text":"Let's do that.","start":1015.38,"end":1016.36005,"sentiment":"neutral","sentiment_score":0.036756839603185654},{"text":"Yep.","start":1022.74005,"end":1023.24005,"sentiment":"neutral","sentiment_score":0.061171822249889374},{"text":"Yep.","start":1025.3,"end":1025.8,"sentiment":"neutral","sentiment_score":0.07417330145835876}],"sentiment":"neutral","sentiment_score":0.05704188393428922,"num_words":8,"start":1010.925,"end":1025.8},{"sentences":[{"text":"Yep.","start":1027.3,"end":1027.8,"sentiment":"neutral","sentiment_score":0.08848118782043457},{"text":"Yeah.","start":1027.86,"end":1028.18,"sentiment":"neutral","sentiment_score":0.13361208140850067},{"text":"I I should do that.","start":1028.18,"end":1029.225,"sentiment":"neutral","sentiment_score":0.2181442677974701},{"text":"Yep.","start":1031.225,"end":1031.725,"sentiment":"neutral","sentiment_score":0.08630417287349701},{"text":"That'd be sensational.","start":1040.505,"end":1041.565,"sentiment":"neutral","sentiment_score":0.0872441753745079}],"sentiment":"neutral","sentiment_score":0.15098648247393695,"num_words":11,"start":1027.3,"end":1041.565},{"sentences":[{"text":"Yep.","start":1043.865,"end":1044.24,"sentiment":"neutral","sentiment_score":0.02384042739868164},{"text":"Yep.","start":1044.32,"end":1044.4,"sentiment":"neutral","sentiment_score":0.023573055863380432},{"text":"That'd be sensational.","start":1044.4,"end":1049.46,"sentiment":"neutral","sentiment_score":0.010726820367077986},{"text":"Yep.","start":1058.515,"end":1059.015,"sentiment":"neutral","sentiment_score":0.009576701559126375},{"text":"Yep.","start":1066.275,"end":1066.775,"sentiment":"neutral","sentiment_score":0.03964977711439133}],"sentiment":"neutral","sentiment_score":0.018402917576687678,"num_words":7,"start":1043.865,"end":1066.775},{"sentences":[{"text":"Yeah.","start":1069.555,"end":1070.055,"sentiment":"neutral","sentiment_score":0.017363514751195908},{"text":"Yep.","start":1073.61,"end":1074.11,"sentiment":"neutral","sentiment_score":0.020626336336135864},{"text":"Yep.","start":1089.1749,"end":1089.6749,"sentiment":"neutral","sentiment_score":0.10380999743938446},{"text":"Yep.","start":1090.0549,"end":1090.215,"sentiment":"neutral","sentiment_score":0.1713448464870453},{"text":"Beautiful.","start":1090.215,"end":1090.715,"sentiment":"positive","sentiment_score":0.6385703086853027}],"sentiment":"neutral","sentiment_score":0.19034300073981286,"num_words":5,"start":1069.555,"end":1090.715},{"sentences":[{"text":"Yep.","start":1098.695,"end":1099.195,"sentiment":"neutral","sentiment_score":0.09509001672267914},{"text":"Yep.","start":1101.335,"end":1101.45,"sentiment":"neutral","sentiment_score":0.09093919396400452},{"text":"Yep.","start":1126.425,"end":1126.925,"sentiment":"neutral","sentiment_score":0.04483318328857422},{"text":"Well, I'm willing to cut deals.","start":1140.46,"end":1142.08,"sentiment":"neutral","sentiment_score":-0.016528168382743996},{"text":"We'll put it this well, if we do better than 11 half percent, let's say we go 13%, I'm happy to pay you, like, 1.2%.","start":1145.0549,"end":1152.575,"sentiment":"neutral","sentiment_score":0.131518524736166}],"sentiment":"neutral","sentiment_score":0.10057813241420423,"num_words":34,"start":1098.695,"end":1152.575},{"sentences":[{"text":"But if we don't go better than that, I'll pay, like, point nine.","start":1152.575,"end":1155.7949,"sentiment":"neutral","sentiment_score":-0.0002866503424369373},{"text":"And how's that for you?","start":1157.135,"end":1158.4349,"sentiment":"neutral","sentiment_score":0.14030336141586303},{"text":"Yep.","start":1173.1649,"end":1173.6649,"sentiment":"positive","sentiment_score":0.543024480342865},{"text":"Yep.","start":1174.9249,"end":1175.4249,"sentiment":"neutral","sentiment_score":0.13305720686912537},{"text":"Yeah.","start":1183.325,"end":1183.485,"sentiment":"neutral","sentiment_score":0.16335873305797577}],"sentiment":"neutral","sentiment_score":0.07320146537607625,"num_words":21,"start":1152.575,"end":1183.485},{"sentences":[{"text":"Yep.","start":1183.485,"end":1183.985,"sentiment":"neutral","sentiment_score":0.15977589786052704},{"text":"Yep.","start":1189.3,"end":1189.8,"sentiment":"neutral","sentiment_score":0.03456529229879379},{"text":"Yep.","start":1190.9,"end":1191.4,"sentiment":"neutral","sentiment_score":0.051440685987472534},{"text":"Yep.","start":1215.415,"end":1215.915,"sentiment":"positive","sentiment_score":0.38106295466423035},{"text":"Yep.","start":1219.23,"end":1219.73,"sentiment":"neutral","sentiment_score":0.06924393773078918}],"sentiment":"neutral","sentiment_score":0.1392177537083626,"num_words":5,"start":1183.485,"end":1219.73},{"sentences":[{"text":"No.","start":1234.9651,"end":1235.4651,"sentiment":"neutral","sentiment_score":-0.010153630748391151},{"text":"Yep.","start":1251.98,"end":1252.48,"sentiment":"neutral","sentiment_score":0.1260555386543274},{"text":"Yep.","start":1276.98,"end":1277.2999,"sentiment":"neutral","sentiment_score":0.1478678435087204},{"text":"So what what were the numbers again?","start":1277.2999,"end":1279.08,"sentiment":"neutral","sentiment_score":0.04747347853013447},{"text":"Yep.","start":1280.6599,"end":1281.1599,"sentiment":"neutral","sentiment_score":0.04392044246196747}],"sentiment":"neutral","sentiment_score":0.05818223123523322,"num_words":11,"start":1234.9651,"end":1281.1599},{"sentences":[{"text":"Yeah.","start":1287.775,"end":1288.015,"sentiment":"neutral","sentiment_score":0.07262405008077621},{"text":"Righto.","start":1288.015,"end":1288.495,"sentiment":"neutral","sentiment_score":0.09895817935466766},{"text":"So twenty's like like, anything over 20, you're expecting a little bit of volatility.","start":1288.495,"end":1292.515,"sentiment":"neutral","sentiment_score":0.09029846319130488},{"text":"And below that yeah.","start":1292.8151,"end":1294.975,"sentiment":"neutral","sentiment_score":0.06035129725933075},{"text":"Righto.","start":1294.975,"end":1295.475,"sentiment":"neutral","sentiment_score":0.13866114616394043}],"sentiment":"neutral","sentiment_score":0.08646795472928456,"num_words":21,"start":1287.775,"end":1295.475},{"sentences":[{"text":"Yep.","start":1297.135,"end":1297.635,"sentiment":"neutral","sentiment_score":0.13536213338375092},{"text":"Yeah.","start":1297.935,"end":1298.255,"sentiment":"neutral","sentiment_score":0.17926397919654846},{"text":"Righto.","start":1298.255,"end":1298.755,"sentiment":"neutral","sentiment_score":0.23873627185821533},{"text":"Yep.","start":1320.2051,"end":1320.7051,"sentiment":"neutral","sentiment_score":0.29588770866394043},{"text":"Yes.","start":1330.7799,"end":1331.2799,"sentiment":"neutral","sentiment_score":0.12440074980258942}],"sentiment":"neutral","sentiment_score":0.19473016858100892,"num_words":5,"start":1297.135,"end":1331.2799},{"sentences":[{"text":"Yes.","start":1331.58,"end":1332.08,"sentiment":"neutral","sentiment_score":0.16527925431728363},{"text":"So so just going back a step, the 1.1% that we like, fees that we pay, and that's and that is that capped at 500,000 or 600?","start":1332.38,"end":1346.475,"sentiment":"neutral","sentiment_score":0.0564395864666612},{"text":"Yep.","start":1346.475,"end":1346.7949,"sentiment":"neutral","sentiment_score":0.06331217288970947},{"text":"Okay.","start":1346.7949,"end":1347.2949,"sentiment":"neutral","sentiment_score":0.12073789536952972},{"text":"Beautiful.","start":1347.9149,"end":1348.4149,"sentiment":"positive","sentiment_score":0.4726787805557251}],"sentiment":"neutral","sentiment_score":0.07567344960426131,"num_words":31,"start":1331.58,"end":1348.4149},{"sentences":[{"text":"Yep.","start":1355.115,"end":1355.615,"sentiment":"neutral","sentiment_score":0.29912781715393066},{"text":"Yep.","start":1358.48,"end":1358.8,"sentiment":"neutral","sentiment_score":0.07541680335998535},{"text":"That's the plan.","start":1358.8,"end":1359.7,"sentiment":"neutral","sentiment_score":0.04964510599772135},{"text":"Yep.","start":1363.36,"end":1363.86,"sentiment":"neutral","sentiment_score":0.025068655610084537},{"text":"Yep.","start":1366.0,"end":1366.5,"sentiment":"neutral","sentiment_score":0.05757148191332817}],"sentiment":"neutral","sentiment_score":0.0865885822900704,"num_words":7,"start":1355.115,"end":1366.5},{"sentences":[{"text":"Alright.","start":1366.96,"end":1367.46,"sentiment":"neutral","sentiment_score":0.14010414481163025},{"text":"Yep.","start":1397.645,"end":1398.145,"sentiment":"neutral","sentiment_score":0.1026294156908989},{"text":"Yeah.","start":1404.445,"end":1404.765,"sentiment":"neutral","sentiment_score":0.06023304909467697},{"text":"Righto.","start":1404.765,"end":1405.265,"sentiment":"neutral","sentiment_score":0.08875671029090881},{"text":"Yep.","start":1405.405,"end":1405.905,"sentiment":"neutral","sentiment_score":0.10734762996435164}],"sentiment":"neutral","sentiment_score":0.09981418997049332,"num_words":5,"start":1366.96,"end":1405.905},{"sentences":[{"text":"We are looking to move, buy another property.","start":1414.58,"end":1416.9199,"sentiment":"neutral","sentiment_score":-0.01788519788533449},{"text":"I don't know.","start":1417.22,"end":1418.1,"sentiment":"neutral","sentiment_score":-0.0462761844197909},{"text":"We yeah.","start":1418.1,"end":1419.46,"sentiment":"neutral","sentiment_score":0.015591162256896496},{"text":"We do need to move.","start":1419.46,"end":1420.6799,"sentiment":"neutral","sentiment_score":0.0017304208129644393},{"text":"It's as simple as that.","start":1421.78,"end":1422.82,"sentiment":"neutral","sentiment_score":0.05064657554030418}],"sentiment":"neutral","sentiment_score":0.00048509434513423753,"num_words":23,"start":1414.58,"end":1422.82},{"sentences":[{"text":"We need to move.","start":1422.82,"end":1423.46,"sentiment":"neutral","sentiment_score":0.012190193869173527},{"text":"We need to buy another property.","start":1423.46,"end":1424.84,"sentiment":"neutral","sentiment_score":-0.0021328438694278398},{"text":"We'll be obliged to possibly bought investment property.","start":1425.515,"end":1428.715,"sentiment":"neutral","sentiment_score":0.002162219025194645},{"text":"Yeah.","start":1428.715,"end":1429.0349,"sentiment":"neutral","sentiment_score":0.020669370889663696},{"text":"But if we look to move, it'll be worth more money as such, if that makes sense.","start":1429.0349,"end":1434.5549,"sentiment":"neutral","sentiment_score":-0.001181274323778994}],"sentiment":"neutral","sentiment_score":0.0014958103290862506,"num_words":36,"start":1422.82,"end":1434.5549},{"sentences":[{"text":"Like, it it it's going it's going to cost us money to move.","start":1434.5549,"end":1437.9,"sentiment":"neutral","sentiment_score":-0.06643713208345267},{"text":"Yeah.","start":1439.74,"end":1440.24,"sentiment":"neutral","sentiment_score":0.02090485766530037},{"text":"Yeah.","start":1441.02,"end":1441.52,"sentiment":"neutral","sentiment_score":-0.016136107966303825},{"text":"Yeah.","start":1443.66,"end":1443.98,"sentiment":"neutral","sentiment_score":-0.062440935522317886},{"text":"But yeah.","start":1443.98,"end":1445.42,"sentiment":"neutral","sentiment_score":-0.04947341047227383}],"sentiment":"neutral","sentiment_score":-0.056683429102930755,"num_words":18,"start":1434.5549,"end":1445.42},{"sentences":[{"text":"That's probably about it.","start":1445.42,"end":1446.38,"sentiment":"neutral","sentiment_score":-0.07946819439530373},{"text":"That's all we're, yeah, looking to do at this stage, I reckon.","start":1446.38,"end":1450.4,"sentiment":"neutral","sentiment_score":-0.041493414590756096},{"text":"Yeah.","start":1460.105,"end":1460.605,"sentiment":"neutral","sentiment_score":0.06451815366744995},{"text":"Yep.","start":1460.6649,"end":1461.1649,"sentiment":"neutral","sentiment_score":0.06371743977069855},{"text":"Yep.","start":1462.4249,"end":1462.9249,"sentiment":"neutral","sentiment_score":0.15159401297569275}],"sentiment":"neutral","sentiment_score":-0.028208639276655095,"num_words":19,"start":1445.42,"end":1462.9249},{"sentences":[{"text":"That's another thing.","start":1463.7849,"end":1464.9249,"sentiment":"neutral","sentiment_score":0.23768062392870584},{"text":"Yes.","start":1471.9199,"end":1472.24,"sentiment":"neutral","sentiment_score":0.11390259116888046},{"text":"For sure.","start":1472.24,"end":1472.88,"sentiment":"neutral","sentiment_score":0.09561478346586227},{"text":"Even earlier if I can.","start":1472.88,"end":1474.34,"sentiment":"neutral","sentiment_score":0.10093521922826768},{"text":"Yep.","start":1492.145,"end":1492.625,"sentiment":"neutral","sentiment_score":0.05481068417429924}],"sentiment":"neutral","sentiment_score":0.13147173418353,"num_words":12,"start":1463.7849,"end":1492.625},{"sentences":[{"text":"So when yes.","start":1492.625,"end":1496.05,"sentiment":"neutral","sentiment_score":0.021518802270293236},{"text":"So when can I access my Subaru?","start":1496.05,"end":1497.89,"sentiment":"neutral","sentiment_score":0.0014993362461349794},{"text":"Am I '60 or am I '67?","start":1497.89,"end":1499.99,"sentiment":"neutral","sentiment_score":-0.0025979687592812945},{"text":"Or '60.","start":1500.37,"end":1502.39,"sentiment":"neutral","sentiment_score":-0.00577764434274286},{"text":"You're right.","start":1503.89,"end":1504.37,"sentiment":"neutral","sentiment_score":0.0145787438377738}],"sentiment":"neutral","sentiment_score":0.003546103724234161,"num_words":21,"start":1492.625,"end":1504.37},{"sentences":[{"text":"I thought I'd be right.","start":1504.37,"end":1505.595,"sentiment":"neutral","sentiment_score":-0.03474201746284962},{"text":"Yeah.","start":1506.635,"end":1506.7949,"sentiment":"neutral","sentiment_score":-0.03814864903688431},{"text":"Right.","start":1506.7949,"end":1507.0349,"sentiment":"neutral","sentiment_score":-0.043870631605386734},{"text":"I thought I'd be 67.","start":1507.0349,"end":1508.655,"sentiment":"neutral","sentiment_score":-0.07268105670809746},{"text":"I don't know why.","start":1509.195,"end":1510.255,"sentiment":"neutral","sentiment_score":-0.11211632192134857}],"sentiment":"neutral","sentiment_score":-0.06672499619890004,"num_words":16,"start":1504.37,"end":1510.255},{"sentences":[{"text":"Yep.","start":1510.395,"end":1510.895,"sentiment":"neutral","sentiment_score":-0.034946147352457047},{"text":"Mhmm.","start":1522.02,"end":1522.52,"sentiment":"neutral","sentiment_score":-0.01943083666265011},{"text":"Yep.","start":1538.085,"end":1538.585,"sentiment":"neutral","sentiment_score":-0.02606846764683723},{"text":"Yep.","start":1542.165,"end":1542.665,"sentiment":"neutral","sentiment_score":0.009219374507665634},{"text":"Yep.","start":1542.885,"end":1543.385,"sentiment":"neutral","sentiment_score":0.02184543013572693}],"sentiment":"neutral","sentiment_score":-0.009876129403710365,"num_words":5,"start":1510.395,"end":1543.385},{"sentences":[{"text":"Yeah.","start":1559.635,"end":1559.795,"sentiment":"neutral","sentiment_score":0.06443741172552109},{"text":"Right.","start":1559.795,"end":1560.295,"sentiment":"neutral","sentiment_score":0.09526056051254272},{"text":"Beautiful.","start":1561.395,"end":1561.895,"sentiment":"positive","sentiment_score":0.3848367929458618},{"text":"Yeah.","start":1561.955,"end":1562.275,"sentiment":"neutral","sentiment_score":0.2840154469013214},{"text":"Nice.","start":1562.275,"end":1562.775,"sentiment":"positive","sentiment_score":0.4165548086166382}],"sentiment":"neutral","sentiment_score":0.24902100414037703,"num_words":5,"start":1559.635,"end":1562.775},{"sentences":[{"text":"Yep.","start":1562.915,"end":1563.415,"sentiment":"neutral","sentiment_score":0.24486961960792544},{"text":"Sensational.","start":1563.555,"end":1564.055,"sentiment":"neutral","sentiment_score":0.27017584443092346},{"text":"Yeah.","start":1565.635,"end":1566.115,"sentiment":"neutral","sentiment_score":0.07606838643550873},{"text":"No.","start":1566.115,"end":1566.355,"sentiment":"neutral","sentiment_score":0.007559787482023239},{"text":"That's that's yeah.","start":1566.355,"end":1567.555,"sentiment":"neutral","sentiment_score":0.023111920803785324}],"sentiment":"neutral","sentiment_score":0.09542991433824811,"num_words":7,"start":1562.915,"end":1567.555},{"sentences":[{"text":"No.","start":1567.555,"end":1567.795,"sentiment":"neutral","sentiment_score":-0.03363138064742088},{"text":"That's that's that's actually made me happy.","start":1567.795,"end":1569.975,"sentiment":"neutral","sentiment_score":0.23248196180377687},{"text":"Probably the only like, the only thing that I really hate is paying tax.","start":1572.16,"end":1577.62,"sentiment":"neutral","sentiment_score":-0.3250093087553978},{"text":"Honestly, I hate paying tax.","start":1577.76,"end":1579.36,"sentiment":"neutral","sentiment_score":-0.26269958913326263},{"text":"If we can come up with some strategies, I don't know what we can do.","start":1579.36,"end":1582.8201,"sentiment":"neutral","sentiment_score":-0.197506841023763}],"sentiment":"neutral","sentiment_score":-0.17220210789569787,"num_words":42,"start":1567.555,"end":1582.8201},{"sentences":[{"text":"Potentially, I pay a lot of tax.","start":1583.6,"end":1586.325,"sentiment":"neutral","sentiment_score":-0.25575936692101614},{"text":"Well, both Jackie and I, we pay a lot of tax, which is great.","start":1587.125,"end":1590.325,"sentiment":"neutral","sentiment_score":0.29915288729327066},{"text":"If you're paying tax, you're earning money.","start":1590.325,"end":1591.845,"sentiment":"positive","sentiment_score":0.5156454954828534},{"text":"That's great.","start":1591.845,"end":1592.585,"sentiment":"positive","sentiment_score":0.6782141327857971},{"text":"But I want to reduce paying so much.","start":1594.885,"end":1597.6849,"sentiment":"neutral","sentiment_score":-0.11892940662801266}],"sentiment":"neutral","sentiment_score":0.16874569301542483,"num_words":38,"start":1583.6,"end":1597.6849},{"sentences":[{"text":"I don't know how.","start":1597.6849,"end":1598.825,"sentiment":"neutral","sentiment_score":-0.12121320329606533},{"text":"That's yeah.","start":1600.44,"end":1604.78,"sentiment":"neutral","sentiment_score":-0.058735061436891556},{"text":"Yeah.","start":1608.2,"end":1608.7,"sentiment":"neutral","sentiment_score":-0.13481125235557556},{"text":"Yep.","start":1614.845,"end":1615.345,"sentiment":"neutral","sentiment_score":-0.05603553354740143},{"text":"Yep.","start":1619.485,"end":1619.985,"sentiment":"neutral","sentiment_score":-0.06353332847356796}],"sentiment":"neutral","sentiment_score":-0.09518922782606548,"num_words":9,"start":1597.6849,"end":1619.985},{"sentences":[{"text":"Yeah.","start":1638.47,"end":1638.97,"sentiment":"neutral","sentiment_score":-0.08991885185241699},{"text":"Yep.","start":1639.11,"end":1639.61,"sentiment":"neutral","sentiment_score":-0.09534990787506104},{"text":"Yep.","start":1641.635,"end":1642.135,"sentiment":"neutral","sentiment_score":-0.012301232665777206},{"text":"Yep.","start":1647.635,"end":1648.135,"sentiment":"neutral","sentiment_score":0.02760649099946022},{"text":"Yes.","start":1655.7,"end":1656.2,"sentiment":"neutral","sentiment_score":0.0374784991145134}],"sentiment":"neutral","sentiment_score":-0.026497000455856325,"num_words":5,"start":1638.47,"end":1656.2},{"sentences":[{"text":"Yes.","start":1664.98,"end":1665.48,"sentiment":"neutral","sentiment_score":-0.0027379393577575684},{"text":"That's disappointing, isn't it?","start":1676.425,"end":1678.045,"sentiment":"neutral","sentiment_score":-0.3054233640432358},{"text":"Yeah.","start":1682.745,"end":1683.245,"sentiment":"neutral","sentiment_score":-0.09688916802406312},{"text":"Yeah.","start":1686.5801,"end":1687.0801,"sentiment":"neutral","sentiment_score":-0.036054350435733795},{"text":"Yep.","start":1692.9,"end":1693.4,"sentiment":"neutral","sentiment_score":0.07199614495038986}],"sentiment":"neutral","sentiment_score":-0.16067234613001347,"num_words":8,"start":1664.98,"end":1693.4},{"sentences":[{"text":"Yep.","start":1705.915,"end":1706.415,"sentiment":"neutral","sentiment_score":0.1769290417432785},{"text":"Yep.","start":1715.3099,"end":1715.8099,"sentiment":"neutral","sentiment_score":-0.03289475291967392},{"text":"Mhmm.","start":1725.7899,"end":1726.2899,"sentiment":"neutral","sentiment_score":-0.0586911216378212},{"text":"Yep.","start":1731.145,"end":1731.645,"sentiment":"neutral","sentiment_score":-0.015768570825457573},{"text":"Yep.","start":1752.53,"end":1753.03,"sentiment":"neutral","sentiment_score":-0.2612393796443939}],"sentiment":"neutral","sentiment_score":-0.03833295665681362,"num_words":5,"start":1705.915,"end":1753.03},{"sentences":[{"text":"Yep.","start":1764.805,"end":1765.305,"sentiment":"neutral","sentiment_score":-0.026918357238173485},{"text":"Yeah.","start":1782.225,"end":1782.725,"sentiment":"neutral","sentiment_score":-0.02314588613808155},{"text":"Yep.","start":1782.865,"end":1783.345,"sentiment":"neutral","sentiment_score":0.01123214140534401},{"text":"Yep.","start":1783.345,"end":1783.845,"sentiment":"neutral","sentiment_score":0.020988088101148605},{"text":"I'd yeah.","start":1785.185,"end":1788.245,"sentiment":"neutral","sentiment_score":-0.17799440771341324}],"sentiment":"neutral","sentiment_score":-0.06230547154943148,"num_words":6,"start":1764.805,"end":1788.245},{"sentences":[{"text":"I probably still need to look at I'd say this year, I'll max out, what would you say, super or, like, when I say max out at 15% tax rate.","start":1788.385,"end":1800.75,"sentiment":"neutral","sentiment_score":-0.14909024983644487},{"text":"I should be looking to do that moving forward, I imagine.","start":1806.1549,"end":1809.215,"sentiment":"neutral","sentiment_score":0.3032407760620117},{"text":"Keep maxing that out.","start":1809.2749,"end":1810.735,"sentiment":"neutral","sentiment_score":0.09892329014837742},{"text":"What's the maximum?","start":1812.5549,"end":1813.615,"sentiment":"neutral","sentiment_score":0.05862169216076533},{"text":"Is is it up to $30, or is it 27 r?","start":1813.995,"end":1824.5,"sentiment":"neutral","sentiment_score":0.02187558568336747}],"sentiment":"neutral","sentiment_score":-0.005506258963023202,"num_words":59,"start":1788.385,"end":1824.5},{"sentences":[{"text":"Yep.","start":1824.5,"end":1825.0,"sentiment":"neutral","sentiment_score":0.184179425239563},{"text":"Isn't good.","start":1844.265,"end":1845.1649,"sentiment":"negative","sentiment_score":-0.5042906552553177},{"text":"They're really stuffing me around.","start":1845.5449,"end":1847.245,"sentiment":"negative","sentiment_score":-0.582196855545044},{"text":"Yeah.","start":1860.7,"end":1861.02,"sentiment":"neutral","sentiment_score":-0.017646517604589462},{"text":"It's probably not as silly as it sounds.","start":1861.02,"end":1862.72,"sentiment":"neutral","sentiment_score":-0.2253775242716074}],"sentiment":"neutral","sentiment_score":-0.326826639692573,"num_words":17,"start":1824.5,"end":1862.72},{"sentences":[{"text":"So how do I go about working out what my catch up could be?","start":1865.165,"end":1868.785,"sentiment":"neutral","sentiment_score":0.058392154318945746},{"text":"Yep.","start":1875.5651,"end":1876.0651,"sentiment":"neutral","sentiment_score":0.1161435768008232},{"text":"Yep.","start":1877.28,"end":1877.78,"sentiment":"neutral","sentiment_score":0.1256866157054901},{"text":"So when I say catch up, does that have to go straight from payroll from work, or can I grab money out of the bank and put it in?","start":1890.8,"end":1897.685,"sentiment":"neutral","sentiment_score":-0.019288460884628624},{"text":"Yep.","start":1906.065,"end":1906.565,"sentiment":"neutral","sentiment_score":0.07437832653522491}],"sentiment":"neutral","sentiment_score":0.01248550682288149,"num_words":46,"start":1865.165,"end":1906.565},{"sentences":[{"text":"Okay.","start":1907.4501,"end":1907.9501,"sentiment":"neutral","sentiment_score":0.09601889550685884},{"text":"Yeah.","start":1908.49,"end":1908.73,"sentiment":"neutral","sentiment_score":0.11117810010910034},{"text":"Right.","start":1908.73,"end":1909.05,"sentiment":"neutral","sentiment_score":0.1442704200744629},{"text":"There we go.","start":1909.05,"end":1909.9501,"sentiment":"neutral","sentiment_score":0.21278156836827597},{"text":"Nice.","start":1910.01,"end":1910.51,"sentiment":"positive","sentiment_score":0.5391749143600464}],"sentiment":"neutral","sentiment_score":0.21842671930789948,"num_words":7,"start":1907.4501,"end":1910.51},{"sentences":[{"text":"Alright.","start":1910.65,"end":1911.15,"sentiment":"neutral","sentiment_score":0.23235414922237396},{"text":"Mhmm.","start":1920.49,"end":1920.99,"sentiment":"neutral","sentiment_score":0.06733007729053497},{"text":"Yep.","start":1932.405,"end":1932.905,"sentiment":"neutral","sentiment_score":0.10378813743591309},{"text":"Mhmm.","start":1932.965,"end":1933.205,"sentiment":"neutral","sentiment_score":0.026397813111543655},{"text":"Yeah.","start":1933.205,"end":1933.59,"sentiment":"neutral","sentiment_score":0.017136992886662483}],"sentiment":"neutral","sentiment_score":0.08940143398940563,"num_words":5,"start":1910.65,"end":1933.59},{"sentences":[{"text":"Yeah.","start":1933.9099,"end":1934.23,"sentiment":"neutral","sentiment_score":0.00727908406406641},{"text":"And I've still got another and I've still got another pay to come in, I imagine.","start":1934.23,"end":1939.85,"sentiment":"neutral","sentiment_score":0.008716476848348975},{"text":"I still got yeah.","start":1942.15,"end":1945.51,"sentiment":"neutral","sentiment_score":0.05325560178607702},{"text":"Because yeah.","start":1945.51,"end":1946.63,"sentiment":"neutral","sentiment_score":0.048016536980867386},{"text":"Because I'm on salary, and I get paid monthly.","start":1946.63,"end":1948.65,"sentiment":"neutral","sentiment_score":0.03677908248371548}],"sentiment":"neutral","sentiment_score":0.02458781053428538,"num_words":32,"start":1933.9099,"end":1948.65},{"sentences":[{"text":"So I'll still I'll still have one to come.","start":1950.4049,"end":1952.745,"sentiment":"neutral","sentiment_score":0.12440183013677597},{"text":"Yep.","start":1970.64,"end":1971.14,"sentiment":"neutral","sentiment_score":0.11877071857452393},{"text":"Yep.","start":1972.4,"end":1972.9,"sentiment":"neutral","sentiment_score":0.1318686604499817},{"text":"Yes.","start":1975.52,"end":1976.02,"sentiment":"neutral","sentiment_score":0.2423599064350128},{"text":"Yeah.","start":1991.53,"end":1992.03,"sentiment":"neutral","sentiment_score":0.07081012427806854}],"sentiment":"neutral","sentiment_score":0.1294942985360439,"num_words":13,"start":1950.4049,"end":1992.03},{"sentences":[{"text":"Yep.","start":2006.425,"end":2006.925,"sentiment":"neutral","sentiment_score":0.07717462629079819},{"text":"Yep.","start":2018.105,"end":2018.605,"sentiment":"positive","sentiment_score":0.5262253284454346},{"text":"Yeah.","start":2022.84,"end":2023.08,"sentiment":"neutral","sentiment_score":0.2384430021047592},{"text":"Beautiful.","start":2023.08,"end":2023.58,"sentiment":"positive","sentiment_score":0.6343658566474915},{"text":"Well, we might look at doing that.","start":2024.6799,"end":2025.88,"sentiment":"neutral","sentiment_score":0.23077650368213654}],"sentiment":"neutral","sentiment_score":0.2810585762966763,"num_words":11,"start":2006.425,"end":2025.88},{"sentences":[{"text":"So, yeah, if you can send me through a word and let us know what I'm gonna do, because I'll probably I'll I'll I'll have to get on to that.","start":2025.88,"end":2034.0599,"sentiment":"neutral","sentiment_score":0.1208080917596817},{"text":"Yep.","start":2044.615,"end":2045.115,"sentiment":"neutral","sentiment_score":0.14983870089054108},{"text":"Yep.","start":2045.735,"end":2046.235,"sentiment":"neutral","sentiment_score":0.07681300491094589},{"text":"Yep.","start":2056.47,"end":2056.97,"sentiment":"neutral","sentiment_score":0.14997504651546478},{"text":"Yeah.","start":2057.67,"end":2057.91,"sentiment":"neutral","sentiment_score":0.1488741934299469}],"sentiment":"neutral","sentiment_score":0.12205128525109853,"num_words":34,"start":2025.88,"end":2057.91},{"sentences":[{"text":"Right now.","start":2057.91,"end":2058.65,"sentiment":"neutral","sentiment_score":0.11907774209976196},{"text":"Yep.","start":2065.425,"end":2065.925,"sentiment":"neutral","sentiment_score":0.11257844418287276},{"text":"Yep.","start":2077.15,"end":2077.65,"sentiment":"neutral","sentiment_score":0.13530771434307098},{"text":"Yeah.","start":2096.395,"end":2096.635,"sentiment":"neutral","sentiment_score":0.21094933152198792},{"text":"Nice.","start":2096.635,"end":2097.135,"sentiment":"positive","sentiment_score":0.5940770506858826}],"sentiment":"neutral","sentiment_score":0.21517800415555635,"num_words":6,"start":2057.91,"end":2097.135},{"sentences":[{"text":"That sounds good.","start":2097.755,"end":2098.975,"sentiment":"positive","sentiment_score":0.5723309318224589},{"text":"Perfect.","start":2100.075,"end":2100.575,"sentiment":"positive","sentiment_score":0.7855373620986938},{"text":"No.","start":2107.51,"end":2107.75,"sentiment":"neutral","sentiment_score":-0.07782392203807831},{"text":"Probably not at this stage.","start":2107.75,"end":2109.03,"sentiment":"neutral","sentiment_score":-0.11959177702665329},{"text":"But, yeah, I just want I yeah.","start":2109.03,"end":2110.31,"sentiment":"neutral","sentiment_score":0.023485359070556506}],"sentiment":"neutral","sentiment_score":0.11712616846403655,"num_words":17,"start":2097.755,"end":2110.31},{"sentences":[{"text":"I just want I just want to talk about, yeah, contributions moving forward.","start":2110.31,"end":2114.33,"sentiment":"neutral","sentiment_score":0.05567466238370308},{"text":"Do will or do they increase per year?","start":2114.9949,"end":2120.855,"sentiment":"neutral","sentiment_score":0.054100917652249336},{"text":"Do they follow inflation and such or anything?","start":2120.915,"end":2124.615,"sentiment":"neutral","sentiment_score":0.020629095612093806},{"text":"Yep.","start":2127.4749,"end":2127.9749,"sentiment":"neutral","sentiment_score":0.018412500619888306},{"text":"Yep.","start":2132.44,"end":2132.94,"sentiment":"neutral","sentiment_score":0.038133230060338974}],"sentiment":"neutral","sentiment_score":0.044456659605906855,"num_words":31,"start":2110.31,"end":2132.94},{"sentences":[{"text":"Yep.","start":2140.2,"end":2140.7,"sentiment":"neutral","sentiment_score":0.05351360142230987},{"text":"Yep.","start":2141.48,"end":2141.98,"sentiment":"neutral","sentiment_score":0.06002845615148544},{"text":"Yep.","start":2147.125,"end":2147.625,"sentiment":"neutral","sentiment_score":0.019872281700372696},{"text":"Yeah.","start":2154.885,"end":2155.285,"sentiment":"neutral","sentiment_score":0.04611595720052719},{"text":"Right.","start":2155.285,"end":2155.785,"sentiment":"neutral","sentiment_score":0.03760325163602829}],"sentiment":"neutral","sentiment_score":0.0434267096221447,"num_words":5,"start":2140.2,"end":2155.785},{"sentences":[{"text":"Yeah.","start":2156.565,"end":2156.885,"sentiment":"neutral","sentiment_score":0.021490994840860367},{"text":"Alright.","start":2156.885,"end":2157.385,"sentiment":"neutral","sentiment_score":0.03177088499069214},{"text":"Yeah.","start":2159.64,"end":2160.14,"sentiment":"neutral","sentiment_score":0.07101847231388092},{"text":"So we should be looking at maxing it out this year.","start":2160.3599,"end":2163.66,"sentiment":"neutral","sentiment_score":0.1312715472145514},{"text":"As I well well, like and putting that extra in.","start":2165.4,"end":2168.6,"sentiment":"neutral","sentiment_score":0.1518546748906374}],"sentiment":"neutral","sentiment_score":0.12861725501716137,"num_words":24,"start":2156.565,"end":2168.6},{"sentences":[{"text":"And then next year, probably need to look at salary sacrificing more straight out of my yeah.","start":2168.6,"end":2185.365,"sentiment":"neutral","sentiment_score":-0.057214156779296255},{"text":"They yeah.","start":2185.905,"end":2188.05,"sentiment":"neutral","sentiment_score":-0.033133489079773426},{"text":"Yeah.","start":2188.29,"end":2188.79,"sentiment":"neutral","sentiment_score":0.00019622500985860825},{"text":"They they owed me plenty this year, but yeah.","start":2189.4102,"end":2195.1702,"sentiment":"neutral","sentiment_score":-0.05089021515515116},{"text":"Because I think you'll see one yeah.","start":2195.1702,"end":2199.09,"sentiment":"neutral","sentiment_score":0.02485466136464051}],"sentiment":"neutral","sentiment_score":-0.03674279792337782,"num_words":36,"start":2168.6,"end":2199.09},{"sentences":[{"text":"There's one yeah.","start":2199.09,"end":2199.81,"sentiment":"neutral","sentiment_score":0.003523453759650389},{"text":"There's a couple of pay cycles there where I was paid probably more than what I'm usually paid.","start":2199.81,"end":2203.515,"sentiment":"neutral","sentiment_score":-0.04514651983562443},{"text":"Yeah.","start":2206.1548,"end":2206.6548,"sentiment":"neutral","sentiment_score":0.01109047420322895},{"text":"Yep.","start":2206.795,"end":2207.295,"sentiment":"neutral","sentiment_score":0.01628797873854637},{"text":"So and I think yeah.","start":2207.595,"end":2210.3948,"sentiment":"neutral","sentiment_score":-0.08449265025556088}],"sentiment":"neutral","sentiment_score":-0.04275542121779706,"num_words":28,"start":2199.09,"end":2210.3948},{"sentences":[{"text":"They owe me a bit of money.","start":2210.3948,"end":2211.6948,"sentiment":"neutral","sentiment_score":-0.19668932259082794},{"text":"Anyway Yep.","start":2212.555,"end":2216.41,"sentiment":"neutral","sentiment_score":0.025885203853249557},{"text":"Yep.","start":2216.41,"end":2216.73,"sentiment":"neutral","sentiment_score":0.09117992967367172},{"text":"Yep.","start":2216.73,"end":2217.23,"sentiment":"neutral","sentiment_score":0.10197889804840088},{"text":"Yep.","start":2218.09,"end":2218.59,"sentiment":"neutral","sentiment_score":0.2431166172027588}],"sentiment":"neutral","sentiment_score":-0.07406495045870543,"num_words":12,"start":2210.3948,"end":2218.59},{"sentences":[{"text":"Yep.","start":2219.21,"end":2219.37,"sentiment":"neutral","sentiment_score":0.31727367639541626},{"text":"Bye.","start":2219.37,"end":2219.87,"sentiment":"neutral","sentiment_score":0.25883805751800537},{"text":"Yep.","start":2226.17,"end":2226.67,"sentiment":"neutral","sentiment_score":0.0017808452248573303},{"text":"Mhmm.","start":2232.855,"end":2233.355,"sentiment":"neutral","sentiment_score":0.0020930850878357887},{"text":"Yep.","start":2249.99,"end":2250.49,"sentiment":"neutral","sentiment_score":0.1215299665927887}],"sentiment":"neutral","sentiment_score":0.14030312616378068,"num_words":5,"start":2219.21,"end":2250.49},{"sentences":[{"text":"Yep.","start":2255.0452,"end":2255.5452,"sentiment":"neutral","sentiment_score":0.09849145263433456},{"text":"Mhmm.","start":2261.445,"end":2261.945,"sentiment":"neutral","sentiment_score":0.02224989607930183},{"text":"Yeah.","start":2265.6052,"end":2265.7651,"sentiment":"neutral","sentiment_score":0.0789642482995987},{"text":"Right now.","start":2265.7651,"end":2266.5051,"sentiment":"neutral","sentiment_score":0.11129412055015564},{"text":"Yeah.","start":2269.685,"end":2270.0051,"sentiment":"neutral","sentiment_score":0.09465928375720978}],"sentiment":"neutral","sentiment_score":0.08615885364512603,"num_words":6,"start":2255.0452,"end":2270.0051},{"sentences":[{"text":"Right now.","start":2270.0051,"end":2270.46,"sentiment":"neutral","sentiment_score":0.0822160467505455},{"text":"Yep.","start":2270.7,"end":2271.2,"sentiment":"neutral","sentiment_score":0.14776551723480225},{"text":"Too easy.","start":2272.22,"end":2272.96,"sentiment":"positive","sentiment_score":0.47792908549308777},{"text":"No.","start":2274.22,"end":2274.72,"sentiment":"neutral","sentiment_score":-0.0070901960134506226},{"text":"Yep.","start":2281.82,"end":2282.32,"sentiment":"neutral","sentiment_score":0.05330977961421013}],"sentiment":"neutral","sentiment_score":0.1877536236175469,"num_words":7,"start":2270.0051,"end":2282.32},{"sentences":[{"text":"Yep.","start":2283.66,"end":2284.14,"sentiment":"neutral","sentiment_score":0.13679589331150055},{"text":"That'll be sensational, please.","start":2284.14,"end":2285.92,"sentiment":"positive","sentiment_score":0.6724423170089722},{"text":"Yep.","start":2294.4949,"end":2294.9949,"sentiment":"neutral","sentiment_score":0.1700420081615448},{"text":"Yep.","start":2302.67,"end":2303.1501,"sentiment":"neutral","sentiment_score":0.1708846390247345},{"text":"Alright.","start":2303.1501,"end":2303.6501,"sentiment":"neutral","sentiment_score":0.2997059226036072}],"sentiment":"positive","sentiment_score":0.43339971639215946,"num_words":8,"start":2283.66,"end":2303.6501},{"sentences":[{"text":"That'll be great.","start":2303.95,"end":2305.01,"sentiment":"positive","sentiment_score":0.676664133866628},{"text":"No.","start":2311.71,"end":2312.03,"sentiment":"neutral","sentiment_score":0.09416107833385468},{"text":"You too.","start":2312.03,"end":2312.51,"sentiment":"neutral","sentiment_score":0.23657317459583282},{"text":"Thank you.","start":2312.51,"end":2313.2068,"sentiment":"positive","sentiment_score":0.5073429346084595},{"text":"Alright.","start":2316.1667,"end":2316.6467,"sentiment":"neutral","sentiment_score":0.2262413203716278}],"sentiment":"positive","sentiment_score":0.42646966874599457,"num_words":9,"start":2303.95,"end":2316.6467},{"sentences":[{"text":"Okay.","start":2316.6467,"end":2317.0469,"sentiment":"neutral","sentiment_score":0.19824278354644775},{"text":"Bye.","start":2317.0469,"end":2317.5469,"sentiment":"neutral","sentiment_score":0.1930307149887085}],"sentiment":"neutral","sentiment_score":0.19563674926757812,"num_words":2,"start":2316.6467,"end":2317.5469}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Paul speaking.\n\nChannel 0: Hi, Paul. It's Dana from IT Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I just had you booked in to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yeah. All good. How's your day been so far?\n\nChannel 1: Pretty busy. Not too bad,\n\nChannel 0: Yeah?\n\nChannel 1: mate. How\n\nChannel 0: Oh,\n\nChannel 1: about\n\nChannel 0: that's\n\nChannel 1: yours?\n\nChannel 0: good. I yeah. It's been good. Busy, but\n\nChannel 1: Good.\n\nChannel 0: just for having the end of financial year, so it's\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: Nice.\n\nChannel 0: okay.\n\nChannel 1: Very good.\n\nChannel 0: Yeah. How's everything been going since we last closed Tabspace? Is there anything big change, any new pay rises, or any changes in your role?\n\nChannel 1: I'm not too sure. I don't know. When did we touch base? Probably\n\nChannel 0: Yeah.\n\nChannel 1: last one\n\nChannel 0: Yeah.\n\nChannel 1: inch, were you? I imagine.\n\nChannel 0: Yeah.\n\nChannel 1: I don't think so. We probably\n\nChannel 0: No?\n\nChannel 1: just run over them numbers again if we need to.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: Yep.\n\nChannel 0: okay. Not a problem at all. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: What I'll do is we don't use DocuSign anymore. We use OdoSign. So what I'll do is I'll go through the annual review with you, give you an update on how things are going, update all of your circumstances, and have a bit of a chat. And then after the call, out will come your annual review pack so you\n\nChannel 1: Yep.\n\nChannel 0: can take some time and have a bit of a look at it and let me know if\n\nChannel 1: Yep.\n\nChannel 0: there's any additional questions\n\nChannel 1: Alright.\n\nChannel 0: that you\n\nChannel 1: Yep.\n\nChannel 0: do\n\nChannel 1: Sounds\n\nChannel 0: have. Is\n\nChannel 1: good.\n\nChannel 0: that okay? Yep. Easy. All good. Before we jump into the call, just to obviously let you know, we do record these calls moving forward for training and quality purposes.\n\nAre you happy for me to proceed with that moving through the call?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Fantastic. Excellent. And I'll just do security there with you as well just to confirm your full name, your address, and date of birth I should have on file before I give out any personal information.\n\nChannel 1: So Paul Monaghan, the tenth\n\nChannel 0: Yep.\n\nChannel 1: of the ninth nineteen eighty nine\n\nChannel 0: Yep.\n\nChannel 1: in James O'Donnell Drive, Barnesville.\n\nChannel 0: Legend. Beautiful. Thank you so much for that. So, Joel, I know you did speak to my colleague Samantha about a week ago now, and she sent an email to you just giving you a bit of an update on your portfolio there. Did you happen to have a look through the email at all?\n\nChannel 1: Yeah. I have that. Look at that. Yep.\n\nChannel 0: Yep. Fantastic.\n\nChannel 1: Sure\n\nChannel 0: So this is yeah. It's all good. Just to give you a bit of an update on where things are going and so super probably the main thing you're\n\nChannel 1: have.\n\nChannel 0: wanting to sort of find out about.\n\nChannel 1: Yeah.\n\nChannel 0: As of your last annual review last year, your balance is about 3 sorry. 403,609. Having a look at things now, your balance is upwards of 475,904. So it's a good increase for the year. When\n\nChannel 1: Yep.\n\nChannel 0: we have a look at that as an increase, you're up by 11.6% net of fees for the year. When we break that down to a dollar figure as it's income and growth there, you've made about 55,305 and 76¢ for the year. So it's a good\n\nChannel 1: Yep.\n\nChannel 0: increase. Even after the volatility we have seen this year, it's good to see you come out on top. And with your portfolio, you're in that high growth environment, so you have that nine to 10 split as as we have kinda gone through with you. So that kind of you are taking more risk in the market, so you can sort of see more volatility and feel more volatility as your balance increases as well. So\n\nChannel 1: Yes.\n\nChannel 0: 11% return is really good, really happy with that.\n\nChannel 1: Yes.\n\nChannel 0: You've probably heard and seen what's happening in the markets a little bit at the moment. Is there any sort of questions you might have or you sort of\n\nChannel 1: Probably not really. Probably just looking at it. Is it look at, like, Benelon, Australian Equities and that there.\n\nChannel 0: Yeah. Absolutely. So when I kinda\n\nChannel 1: That\n\nChannel 0: break down\n\nChannel 1: that's\n\nChannel 0: your\n\nChannel 1: probably\n\nChannel 0: portfolio\n\nChannel 1: that's probably the only thing I really look at is it. And I'm like, it's probably the one that's not doing not doing too\n\nChannel 0: that is and that's one of the things I wanted to talk to you about today.\n\nChannel 1: much.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: am kinda going through everyone's portfolios with the reviews and looking\n\nChannel 1: Yep.\n\nChannel 0: at what we maybe need to switch out for you because, obviously, we wanna make sure that nothing is underperforming in your portfolio. And even with an 11% return, it is a great return. Your portfolio is working well, but it still means that some investments might need to be switched out every so often.\n\nChannel 1: Yes.\n\nChannel 0: And having a look at things, Ben Long has been underperforming for this year.\n\nChannel 1: Yes.\n\nChannel 0: It was doing really well for many years up until sort of the end of last year, early this year, and then it's kinda been magnified with what's been happening globally there as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: Yep.\n\nChannel 0: But other Australian equity investments aren't seeing the sort of issues that Ben Long are having, so I do wanna swap that out for you.\n\nChannel 1: Yep.\n\nChannel 0: I would do have a bit of an advice document. I've got a few options that I'm looking at with regard to swapping that out for you. I've\n\nChannel 1: Yep.\n\nChannel 0: got a couple of active and passive management options we can look at.\n\nChannel 1: Yep.\n\nChannel 0: I just wanted to kinda get a feel for what your comfort level is. So with Bannalong, it was meant to be more of an actively managed investment, so that it's an active manager. They're meant to be buying and selling and trying to outperform against the market. You can\n\nChannel 1: Yep.\n\nChannel 0: pay a little bit more in the way of investment fees to have that kind of active manager in your portfolio. Did you want me to keep something as an active manager in there, or did you wanna look at something a bit more passive or low cost in in its place? What would you like me to look at?\n\nChannel 1: I just want someone that's gonna make me money. I shouldn't be like that.\n\nChannel 0: No. You're fine. We you work\n\nChannel 1: Yeah.\n\nChannel 0: hard.\n\nChannel 1: I'm\n\nChannel 0: You deserve\n\nChannel 1: pretty upfront\n\nChannel 0: to make\n\nChannel 1: with\n\nChannel 0: money.\n\nChannel 1: that. Yeah. Yeah. I'm I'm pretty upfront with that. I just wanna make money.\n\nI don't\n\nChannel 0: Yeah.\n\nChannel 1: work for\n\nChannel 0: No.\n\nChannel 1: the\n\nChannel 0: That's\n\nChannel 1: front of it.\n\nChannel 0: no. That's fine. I completely understand. That's not a problem at all. What I\n\nChannel 1: Yep.\n\nChannel 0: can look at doing for you, if you like, is realistically and look, active managers are good. They do do they do tend to do quite well. However, there's no guarantees they're gonna outperform against the market. So if you like, what I could maybe look at doing is something a bit more passive. Look at\n\nChannel 1: Yes.\n\nChannel 0: a passive manager that provides maybe more diversification to help manage risk\n\nChannel 1: Yep.\n\nChannel 0: a little bit more, look at how that performs, but also look at maybe reducing some of the investment fees for you as well. Does that sound like a good idea?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Let's\n\nChannel 0: All\n\nChannel 1: do\n\nChannel 0: good.\n\nChannel 1: that.\n\nChannel 0: No worries. I've got a couple of options I'm looking at. I'll go back and just sort of review them more, look at how they work with the portfolio, look at what sort of fee savings it might help you out with. The other thing I do look at is obviously the capital gains consequences. So your super fund, like you you do every year, does a tax return.\n\nSo any,\n\nChannel 1: Yep.\n\nChannel 0: you know, changes to investments and switches and things does have a tax consequence for your funds. So I'll go back\n\nChannel 1: Mhmm.\n\nChannel 0: and review that. I'll update the advice for you. I'll just do an investment switch advice document to make it easier for you,\n\nChannel 1: Yep.\n\nChannel 0: and I'll outline the advantages and disadvantages, what we're gonna replace, and, obviously, the changes in the fees and any CGT consequence that might be might be as a result of the switch for you. Does that sound\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: You're right. Yep.\n\nChannel 0: Yes?\n\nChannel 1: Sounds\n\nChannel 0: Beautiful.\n\nChannel 1: good.\n\nChannel 0: Excellent. Lovely.\n\nChannel 1: So that 11 and a half percent, so that was made for the last twelve months,\n\nChannel 0: Mhmm.\n\nChannel 1: is that net of your fees? Like, is that your\n\nChannel 0: It is\n\nChannel 1: fees?\n\nChannel 0: yes. No.\n\nChannel 1: Yep.\n\nChannel 0: That's\n\nChannel 1: That\n\nChannel 0: net of all fees, including our ongoing service fee. Correct. Yeah.\n\nChannel 1: yeah. Righto. So that's with your fees\n\nChannel 0: Yep.\n\nChannel 1: taken out.\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely.\n\nChannel 1: Righto. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Beautiful. Yeah. Righto.\n\nChannel 0: All good. No.\n\nChannel 1: Nice.\n\nChannel 0: That's a good easy easy done. We\n\nChannel 1: Have\n\nChannel 0: certainly\n\nChannel 1: you\n\nChannel 0: hope it doesn't you're right. Sorry.\n\nChannel 1: I'm sorry. Have you got a, like, a since I've joined you, have you got an average of what I've made? Does that make sense?\n\nChannel 0: Yeah. I absolutely\n\nChannel 1: For the last\n\nChannel 0: do.\n\nChannel 1: I think it's been, yeah, three three to four years, maybe three years.\n\nChannel 0: Yep. Sure do. So it's almost three years here at the moment there. And when\n\nChannel 1: Yep.\n\nChannel 0: I look at the return net, you've made 34.79%. So it's averaged a compounded rate of return of 11.59 per\n\nChannel 1: Yeah. Righto. Yep.\n\nChannel 0: year. Yeah. And I've actually got the dollar figure here for you as well. It's about a 100\n\nChannel 1: Yeah.\n\nChannel 0: and 35,000 that you've made in earnings. That's growth and income over the past three years, and that's net of fees as well. So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, it's done really well. Happy with that.\n\nChannel 1: No. That's good.\n\nChannel 0: Easy. Perfect.\n\nChannel 1: Very good.\n\nChannel 0: So I'll make sure that these documents are attached in that annual review pack there for you. If you find you have additional questions, let me know. But I'm personally really happy with how things have gone for VDE. It is really important I do note, though, that we have seen a bit of volatility this year. We do not know what's gonna happen next year.\n\nWe have certainly been speaking to some of the economists out there to see what's been going on, what they expect to happen. Unfortunately, inflation is expected to kind of have a bit of an increase over the next few months as well.\n\nChannel 1: Yep.\n\nChannel 0: I don't really like the idea of that. But if there is a bit of an increase to inflationary pressures, it does mean that we could see some more volatility in the market.\n\nChannel 1: Yep.\n\nChannel 0: But, overall, you've done really well. So the other\n\nChannel 1: Yeah.\n\nChannel 0: thing to kinda point out, and just to make sure that I'm being open and honest with you, is as your balance increases remaining in that high growth environment there, you will\n\nChannel 1: Mhmm.\n\nChannel 0: notice that smaller fluctuations feel a lot bigger on your super balance. And in the shorter term, if we see those, you know, fluctuations continue, a one or two or 3% change in your portfolio, you might feel that in the short term a little bit. So\n\nChannel 1: Yep.\n\nChannel 0: please reach out if you are concerned or have any questions in relation to it, but I just want to make sure that everyone who is in that high growth environment does kind of is aware that, you know, reductions or pullbacks in the performance or in the in the market in the short term does affect everybody, but it's about waiting through those downtimes and coming out\n\nChannel 1: Yeah.\n\nChannel 0: on the other side there. And if\n\nChannel 1: Yep.\n\nChannel 0: you ever find you're not comfortable being in that kind of high growth environment, please do let me know. I'm more than happy to talk you through it or reassess that level with you as well. Okay?\n\nChannel 1: Yeah. Probably just at this stage, like, I am only still, what, 36, 10 towards 37.\n\nChannel 0: Absolutely.\n\nChannel 1: I think I'm still young enough really to stay high growth. Like, I\n\nChannel 0: Yeah.\n\nChannel 1: still got a long time of work, unfortunately.\n\nChannel 0: Yeah. Absolutely. Look. It's it's a positive and a negative. A long time\n\nChannel 1: Yes.\n\nChannel 0: of work means you've gotta do more work, unfortunately. However, you do have a lot more time to allow your portfolio to come pan for longer, so it's absolutely fine.\n\nChannel 1: Yes.\n\nChannel 0: I just like to sort of bring those things up because I am sort of finding this year a lot of people who, you know, the last few years have wanted to say high growth this year, have been have been a little bit more nervous about it. So I've been having\n\nChannel 1: Yep.\n\nChannel 0: a lot of very honest conversations with people from all works walks of life as well. I feel like you're probably a bit more versed than most people are in relation to the markets and how things work, and it's just, you know, making sure that everyone's comfortable with that level and noting that you don't have to wait for the annual review. If you're ever concerned, pick up the phone or let me know. I'll make time to come and have a chat with you, and we\n\nChannel 1: Yep.\n\nChannel 0: can always review the portfolio to review, you know, your risk level at any point in time as well. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: No. Very good.\n\nChannel 0: All good. With that, sir, you're happy to stay in that high growth environment for the moment. I mean, realistically, you do have the time horizon ahead of you. As you said, you're only 37 in September, so you've got a bit of time before you're able to access Super at this stage.\n\nChannel 1: Yeah.\n\nChannel 0: Capacity wise, you've got time to wade through the downtime without sort of worrying or having to take money out there at the moment, and you are working, and you're a good high income earner as well. So your contributions going in do also provide that greater benefit to your super.\n\nChannel 1: Yes.\n\nChannel 0: I'm comfortable keeping you in that high growth environment for the time being as long as you're comfortable to stay there.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Excellent. All good. The other thing I do like to look at is the insurances.\n\nSo I know last year, we did go ahead and cancel your income protection. You sorta didn't wanna keep paying for that any longer.\n\nChannel 1: Yep.\n\nChannel 0: With the licensed EPD benefit you still have, it does give you a benefit or your your sorry. The benefit you're covered for is a million and 62 and 810. So it has gone up a little bit from last year.\n\nChannel 1: Yep.\n\nChannel 0: You premium was you paid about 1,177 this year for that one. Thinking about sort of the life and CBD benefit that you're covered for at the moment with one pass, are you fairly happy with that? Did you wanna kind of look at altering that in any way, shape, or form?\n\nChannel 1: If it doesn't cost anything to have a look at it, I'm always willing to have a look at something that's just as good, but I'm not paying as many fees. I'm always happy to have a look.\n\nChannel 0: No. You're alright. I wouldn't sort of honestly, one pass, and the amount you're paying for these is the cheapest you'll get for the type of cover that you've got. It's more\n\nChannel 1: Yep.\n\nChannel 0: just about whether you kinda wanted to increase or decrease it at all. Realistically, the premium you're paying is actually very, very good for the level of cover you've got. I've seen people who have less cover pay a lot more for for premiums. So one path is\n\nChannel 1: Yeah.\n\nChannel 0: definitely the most competitive premium wise out there,\n\nChannel 1: Yeah.\n\nChannel 0: especially\n\nChannel 1: Right.\n\nChannel 0: then if you've got an older policy too. Any newer policies would definitely cost a little bit more with the the changes that come in every year to the insurance companies.\n\nChannel 1: Yeah.\n\nChannel 0: So I wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: wanna sort of just change the cover if you are comfortable with the amount of cover you have just because it would increase the cost of it. But\n\nChannel 1: Yep.\n\nChannel 0: did you wanna reevaluate the level? Are you happy with the, you know, a million and 62 that you've got?\n\nChannel 1: Yeah. Yeah. I'm still happy with\n\nChannel 0: Yes?\n\nChannel 1: that. Yep. Yep.\n\nChannel 0: Excellent. All good.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: don't\n\nChannel 0: can\n\nChannel 1: think\n\nChannel 0: see\n\nChannel 1: it'll\n\nChannel 0: here\n\nChannel 1: worry\n\nChannel 0: with\n\nChannel 1: me\n\nChannel 0: you.\n\nChannel 1: too much.\n\nChannel 0: No. No. Well, the\n\nChannel 1: I'll\n\nChannel 0: CBD\n\nChannel 1: be dead.\n\nChannel 0: is probably more you.\n\nChannel 1: Anyway no. All good.\n\nChannel 0: Yes.\n\nChannel 1: Sorry.\n\nChannel 0: No. No. You're fine. You are absolutely fine. Don't worry.\n\nI've heard it all. I've got clients who I talk about life with and all the bits and pieces, and they go, oh, it's not even gonna bother me. I don't even care.\n\nChannel 1: No. It's all good. I do can. So yeah.\n\nChannel 0: Yeah. I'm sure you do.\n\nChannel 1: Yep.\n\nChannel 0: All good. With the with the mortgage and the property, I have it noted here that you have roughly about a 100,000 owing there, but you guys have it offset pretty well, don't you?\n\nChannel 1: Yeah. We so\n\nChannel 0: Yep.\n\nChannel 1: so we're fully offset. We we still have loans\n\nChannel 0: Yep.\n\nChannel 1: open,\n\nChannel 0: Yep.\n\nChannel 1: but it's fully offset.\n\nChannel 0: I believe you only sort of technically owe about, what, 2,000 on the mortgage?\n\nChannel 1: Yeah. There's nothing there.\n\nChannel 0: Yes.\n\nChannel 1: It's it's it's literally we owe money because we wanna keep the loan open at this stage.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: This\n\nChannel 0: Absolutely.\n\nChannel 1: way\n\nChannel 0: It's it's the servicing\n\nChannel 1: yeah.\n\nChannel 0: of it. It's it's there. You've got the money if you need it in case something\n\nChannel 1: Yeah.\n\nChannel 0: comes out without having to go back to the rigmarole of servicing\n\nChannel 1: Yep.\n\nChannel 0: again. I get it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Fantastic. With the property there, I've got a an estimated asset value of that 1,200,000. Would you alter or change that at all?\n\nChannel 1: No. I'd leave it around there.\n\nChannel 0: About that? Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I've also got the Ford Ranger asset value 65,000.\n\nChannel 1: Yeah. I don't know what they're worth these days, but\n\nChannel 0: That's\n\nChannel 1: I'll be\n\nChannel 0: okay.\n\nChannel 1: around that. I don't know.\n\nChannel 0: You're right. All good.\n\nChannel 1: Yeah.\n\nChannel 0: And then the Mazda three with an asset value roughly of 2,000.\n\nChannel 1: Yeah. We're right. Yep. For sure. 2,000\n\nChannel 0: All\n\nChannel 1: seven,\n\nChannel 0: good.\n\nChannel 1: man. It's very it's a it's a hot run.\n\nChannel 0: No. Is it the one you drive to work? I believe it says it's\n\nChannel 1: Yeah.\n\nChannel 0: the one you guys you drive.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: No.\n\nChannel 1: That's me work.\n\nChannel 0: Nice. Nice. And\n\nChannel 1: Alright.\n\nChannel 0: then you've still got the caravan there as well, roughly valued at 95,000.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful. And then content, rough valuation on content is about 126,000. Is that right?\n\nChannel 1: Yeah. Well, I couldn't\n\nChannel 0: Yeah.\n\nChannel 1: tell you. It'll be\n\nChannel 0: That's\n\nChannel 1: roughly\n\nChannel 0: okay.\n\nChannel 1: that. Possibly\n\nChannel 0: Yeah.\n\nChannel 1: more, possibly\n\nChannel 0: That\n\nChannel 1: less. But, yeah, that seems to be\n\nChannel 0: yeah. It's a bit difficult with content because, realistically, when you think about it, if you tip your house upside down, everything falls out. The\n\nChannel 1: right.\n\nChannel 0: cost\n\nChannel 1: Yeah.\n\nChannel 0: of replacing that could be different depending on where you shop, what you buy, what you want,\n\nChannel 1: Yep.\n\nChannel 0: you how many\n\nChannel 1: Yep.\n\nChannel 0: kids you've got. There's so many other factors there. So\n\nChannel 1: Yep.\n\nChannel 0: yeah. Perfect. Other than that, income wise, we had you earning about 180,000 last year. Have you had I know you said you weren't sure about the pay rise, but any pay rises recently or coming up?\n\nChannel 1: I think I'm probably sitting around 200,\n\nChannel 0: Oh, fantastic.\n\nChannel 1: roughly.\n\nChannel 0: Yep. Beautiful. Well, you're definitely worth more.\n\nChannel 1: That's what I keep telling them. That's what I\n\nChannel 0: All\n\nChannel 1: keep\n\nChannel 0: good.\n\nChannel 1: telling them. Yeah. Anyway\n\nChannel 0: No. Yeah. No. That's perfect. And I've got down here that you're managing to save roughly about 250 per week.\n\nAre you still finding to that right, or is it a bit tougher with the way everything costs?\n\nChannel 1: No. I I think we do quite well, Simon.\n\nChannel 0: Yeah.\n\nChannel 1: There's probably more than\n\nChannel 0: Yeah.\n\nChannel 1: that. Yeah. It'd be\n\nChannel 0: That's\n\nChannel 1: a lot\n\nChannel 0: okay.\n\nChannel 1: more than that with\n\nChannel 0: Yeah.\n\nChannel 1: what's fitting. Right?\n\nChannel 0: Yep. That's okay. Not a problem at all. Having a look at your beneficiaries. Now I can see we have sent out some beneficiary forms to you, but it looks like we still don't have them returned.\n\nSo we don't actually have beneficiary nominations placed on your three for your one pass policy at the moment. I do wanna\n\nChannel 1: You're right.\n\nChannel 0: try and get those applied, so I wanna help you to have those completed.\n\nChannel 1: Yes. Let's\n\nChannel 0: Are\n\nChannel 1: do\n\nChannel 0: you\n\nChannel 1: that.\n\nChannel 0: okay yeah. Is you okay if we pre fill them all for you? I obviously wanna double check that you do want Jackie as your beneficiary on your super and your life cover. Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Super annual life cover. Yep.\n\nChannel 1: Yep. Yeah. I I should\n\nChannel 0: Beautiful.\n\nChannel 1: do that.\n\nChannel 0: That's okay. If you if you're\n\nChannel 1: Yep.\n\nChannel 0: comfortable and you approve it, I can get my team to prefill the information. We obviously do have all of Jackie's details. So we can prefill it for you and send it out, and\n\nChannel 1: That'd\n\nChannel 0: then you've\n\nChannel 1: be sensational.\n\nChannel 0: just gotta sign sorry. Yeah.\n\nChannel 1: Yep. Yep. That'd be\n\nChannel 0: If we just gotta get it signed and witnessed, a witness just\n\nChannel 1: sensational.\n\nChannel 0: can't be Daphne as she'll be the beneficiary. But if you've got two mates or neighbors or, you know, brother or sister or mom or dad or or someone else that can just witness it for you the day you sign it, shoot them back\n\nChannel 1: Yep.\n\nChannel 0: to us in the post or email, and we will make sure they are applied for you. Because it's something that I know we've been trying to do, and I\n\nChannel 1: Yep.\n\nChannel 0: wanna try and make sure that that's covered. So if anything happens, having\n\nChannel 1: Yeah.\n\nChannel 0: your super and your life insurance is one thing, but making sure she actually gets the money in the\n\nChannel 1: Yep.\n\nChannel 0: event that's having a curve would be another story. So beautiful. I will make sure that is done, and I will get Michelle, my admin team member, to pre fill them. She'll send them out to you, and then she'll follow you up a little bit to make sure they come back as well. Okay?\n\nChannel 1: Yep. Yep. Beautiful.\n\nChannel 0: Beautiful. All good. Other than that, I've got it noted here that you guys do have a will and power of attorney. Everything is up to date. Is that is\n\nChannel 1: Yep.\n\nChannel 0: that also reflective of your wishes?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. Fantastic. Having a look, everything else looks pretty good. I'll get the annual review pack out to you there.\n\nIt will have a copy of all the documents that I've gone through giving you the city of currency and also an update on your superannuation side of things with the so ongoing service agreement there as well. So your ongoing service fee you pay to us is 1.1%.\n\nChannel 1: Yep.\n\nChannel 0: That's per annum, and then it's deducted in smaller monthly increments. It's the same as it was last year. I did try to reduce it a bit more, but, unfortunately, they wouldn't let me. I'm so sorry. I'll keep trying.\n\nBut, yeah, it\n\nChannel 1: Well,\n\nChannel 0: says\n\nChannel 1: I'm\n\nChannel 0: one\n\nChannel 1: willing\n\nChannel 0: point\n\nChannel 1: to\n\nChannel 0: one\n\nChannel 1: cut\n\nChannel 0: zero.\n\nChannel 1: deals. We'll put it this well, if we do better than 11 half percent, let's say we go 13%, I'm happy to pay you, like, 1.2%. But if we don't go better than that, I'll pay, like, point nine.\n\nChannel 0: Yeah. The\n\nChannel 1: And\n\nChannel 0: good\n\nChannel 1: how's\n\nChannel 0: thing\n\nChannel 1: that\n\nChannel 0: about\n\nChannel 1: for\n\nChannel 0: your\n\nChannel 1: you?\n\nChannel 0: ongoing it sounds really good. Unfortunately, I've gotta take it to my license fee. The good thing about the way the percentage fee works is that it does work in line with your super. So the more you make or the more of a return you get out of your super does mean the more\n\nChannel 1: Yep.\n\nChannel 0: that we make as well. And if to\n\nChannel 1: Yep.\n\nChannel 0: say we saw the market take a bit of a dip, it means that Outplay takes a bit of a dip with it as well. So it does work out to your benefit in that scenario there.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But I know it's one thing that we did talk about last year, and I was like, look. I did go into bed. I did try. They said no, and I get\n\nChannel 1: Yep.\n\nChannel 0: that. It's okay. But\n\nChannel 1: Yep.\n\nChannel 0: I still wanna make sure things are working harder for you. So as your adviser, if I find that things aren't working and our fees should not be applied, I will go into that, and I will fight a lot harder for you. But right now, you're making money. You're doing really well. Even in a really crazy volatile time, we saw some really hectic changes and drops in the market this year, especially around March 2728 with what was happening overseas.\n\nSo your\n\nChannel 1: Yep.\n\nChannel 0: portfolio's weather the storm really, really nicely.\n\nChannel 1: Yep.\n\nChannel 0: Have I ever sort of explained to you have about the VIX index? This might be something that's kind of interesting to you. Have you ever seen or heard about what the VIX index is? No. So the VIX index, the BIX index,\n\nChannel 1: No.\n\nChannel 0: essentially tracks market volatility. If you ever get a chance to look at it, it's kind of exciting, kinda cool, but it works in The US stock market, essentially. But whenever the VIX index is over 20%, it means that over the next thirty days, you can expect high volatility. And in\n\nChannel 1: Yep.\n\nChannel 0: around March, it got up to 31.65%. So it was pretty high. But whenever the VIX index goes down under 20%, it's an indicator that markets are gonna be fairly stable for the next sort of thirty days. So if you're ever sort of looking at things and hearing a lot of in the news of what's happening there, you always welcome to pull up the VIX index and have a bit of a look at where it's tracking and what it's sort of doing over the past, you know, couple of days,\n\nChannel 1: Yep. So what\n\nChannel 0: and it\n\nChannel 1: what were\n\nChannel 0: kinda\n\nChannel 1: the\n\nChannel 0: gives\n\nChannel 1: numbers\n\nChannel 0: you\n\nChannel 1: again?\n\nChannel 0: an index. So\n\nChannel 1: Yep.\n\nChannel 0: 20% is kind of the the the line of where you go from volatility to stable.\n\nChannel 1: Yeah. Righto. So twenty's like like, anything over 20, you're expecting a little bit of volatility. And below\n\nChannel 0: Yep.\n\nChannel 1: that yeah.\n\nChannel 0: You're\n\nChannel 1: Righto.\n\nChannel 0: expecting some stability. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Righto.\n\nChannel 0: just a really cool indicator of kind of being usually, like, some of the indicators that we use to sorta help everyone so that people have got something they can kinda go to or a little bit of guidance there. Part of my job is not just about, you know, making money for you. I do enjoy the educational value as well and, you know, utilizing and passing on some of the knowledge that I've been able to obtain. So,\n\nChannel 1: Yep.\n\nChannel 0: yes, it's kinda cool to have a look at, especially when you're hearing a lot of the news or people saying that things are going up and down. It just gives you another sort of point to have a look at if you ever wanted to. Okay.\n\nChannel 1: Yes. Yes. So so\n\nChannel 0: Easy.\n\nChannel 1: just\n\nChannel 0: Yeah.\n\nChannel 1: going back a\n\nChannel 0: Sure.\n\nChannel 1: step, the\n\nChannel 0: Sure.\n\nChannel 1: 1.1% that we like, fees that we pay,\n\nChannel 0: Yep.\n\nChannel 1: and that's and that is that capped at 500,000\n\nChannel 0: Six\n\nChannel 1: or\n\nChannel 0: 100,000.\n\nChannel 1: 600? Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Beautiful.\n\nChannel 0: Yep. Yep. So 600,000. So if we can get your balance up to a million dollars or even higher than that, which would be fantastic, and you've\n\nChannel 1: Yep.\n\nChannel 0: got plenty of time on your side to be able to do that.\n\nChannel 1: Yep.\n\nChannel 0: Essentially,\n\nChannel 1: That's the\n\nChannel 0: we\n\nChannel 1: plan.\n\nChannel 0: won't be charging 1.1% of that balance there.\n\nChannel 1: Yep.\n\nChannel 0: That is capped at $600,000.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Perfect. The other documents we will have in that doc Odoo sign pack for you will just be our updated financial service guide with the outline of everything about who we are, what we do, how we do it. It's got all my licensing information in there for you as well. And then we do also update often just what's called the tax file opt in form.\n\nSo we like to make sure everyone is aware. We do hold your tax phone number. So we go through every so often and just update the authority on that one,\n\nChannel 1: Yep.\n\nChannel 0: just making sure that we're keeping everyone's information at the forefront, but making sure you're aware of the information we hold on you as well. Okay?\n\nChannel 1: Yeah. Righto. Yep.\n\nChannel 0: Yep. Perfect. Over the next sort of one to two or even five years, do you have any other goals that you're looking to achieve? Or\n\nChannel 1: We are looking to move, buy another property. I don't know.\n\nChannel 0: Yep. Yep.\n\nChannel 1: We yeah. We do need to move.\n\nChannel 0: Yep.\n\nChannel 1: It's as simple as that. We need to move. We need to buy another property. We'll\n\nChannel 0: Yep.\n\nChannel 1: be obliged to possibly bought investment property. Yeah. But if we look to move,\n\nChannel 0: Yep.\n\nChannel 1: it'll be worth more money as such, if that makes sense.\n\nChannel 0: Yep.\n\nChannel 1: Like, it it\n\nChannel 0: Yep.\n\nChannel 1: it's going it's going to cost us money to move.\n\nChannel 0: Yeah. Of course. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: No. Understandable.\n\nChannel 1: Yeah. But yeah. That's probably about it. That's all we're, yeah, looking to do at this stage,\n\nChannel 0: Yeah. No. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: reckon.\n\nChannel 0: I'm just having a quick look back at the last back when we did last year as well. You also mentioned maybe upgrading a car as well. Is that something you're sort of looking to do down the track?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: That's another\n\nChannel 0: And retirement\n\nChannel 1: thing.\n\nChannel 0: wise, we're all good. And retirement wise, we're still tracking forward to retire, hopefully, at age 60.\n\nChannel 1: Yes. For sure. Even earlier\n\nChannel 0: Yeah.\n\nChannel 1: if I can.\n\nChannel 0: Perfect. Nice. Nice. Well, with 60 at the moment is the earliest they're gonna let you access your super, but, I mean, we can look at other things down the track. We can look at investing outside of super in certain ways to kind of build retire you know, you build access to savings earlier so you can possibly retire earlier.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: So\n\nChannel 0: you've\n\nChannel 1: when\n\nChannel 0: also got the option of investment property. So sorry.\n\nChannel 1: yes. So when can I\n\nChannel 0: Yeah.\n\nChannel 1: access my Subaru? Am I '60 or am I '67? Or\n\nChannel 0: No. '60.\n\nChannel 1: '60.\n\nChannel 0: 60. Yes.\n\nChannel 1: You're right. I thought\n\nChannel 0: '6\n\nChannel 1: I'd be\n\nChannel 0: zero.\n\nChannel 1: right.\n\nChannel 0: No.\n\nChannel 1: Yeah. Right. I thought I'd be 67. I don't\n\nChannel 0: No.\n\nChannel 1: know why.\n\nChannel 0: No. So\n\nChannel 1: Yep.\n\nChannel 0: no. That's okay. It's honestly a really common it's a common misconception a lot of people have. So 67 is the age that if you're eligible for to access the age pension,\n\nChannel 1: Mhmm.\n\nChannel 0: but because a lot of people just refer to as retirement age because a lot of people, especially the older generation, they even this is some generations, they didn't have super. Super wasn't a big thing until the early nineties. So a lot of them are retiring on lower balances\n\nChannel 1: Yep.\n\nChannel 0: now, and they are having to rely on the government system.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: for them, 67 isn't so much the age they can access as super, but it's the age that they feel they can retire because it's the age they can access the age pension. But under the legislation requirements, if you stop working at 60, you can access your super wholly completely tax free.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Yeah.\n\nChannel 1: Beautiful. Yeah. Nice.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Sensational.\n\nChannel 0: like to give people good news like that. Yeah.\n\nChannel 1: Yeah. No. That's that's yeah. No. That's that's that's actually made me happy.\n\nProbably the only like, the only thing that I really hate is paying tax. Honestly, I hate\n\nChannel 0: Absolutely.\n\nChannel 1: paying tax. If we can come up with\n\nChannel 0: Yeah.\n\nChannel 1: some strategies, I don't know what we can do. Potentially, I pay a lot of tax. Well,\n\nChannel 0: Yeah.\n\nChannel 1: both Jackie and I, we pay a lot of tax, which is great. If you're paying tax, you're earning money. That's great.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: But I want to reduce paying so much. I don't know how.\n\nChannel 0: Yeah. Honestly,\n\nChannel 1: That's\n\nChannel 0: the best the best way is to do that, and it's a little\n\nChannel 1: yeah.\n\nChannel 0: bit hard at the moment because of what's happening with the budget, but one of\n\nChannel 1: Yeah.\n\nChannel 0: the best ways is to be able to negatively give property. So either buying an investment property or buying a new one for yourself\n\nChannel 1: Yep.\n\nChannel 0: and renting at your current property and being able to negatively gear that. The\n\nChannel 1: Yep.\n\nChannel 0: only downside is at the moment with the way with what was put out in the budget was that they're only going to if these changes go through as of July next year, you'll only be able to negatively gear as an investor a brand new property, which means you would have to buy a build, like, a new property, build it,\n\nChannel 1: Yeah.\n\nChannel 0: and then\n\nChannel 1: Yep.\n\nChannel 0: rent it out to access negative gearing.\n\nChannel 1: Yep.\n\nChannel 0: We can do, like, investing outside of super through investment portfolios and things like that, but\n\nChannel 1: Yep.\n\nChannel 0: they don't necessarily reduce your income tax. It actually tends to increase that because you get income and growth out of your investments the\n\nChannel 1: Yes.\n\nChannel 0: same as the super, and that all has to be included in your personal tax return. So it doesn't actually reduce your tax payable.\n\nChannel 1: Yes.\n\nChannel 0: Under under the legislation under the tax act, we actually can't provide advice solely for the purpose of reducing tax. That is seen as a tax avoidance measure. But if you're looking\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: disappointing,\n\nChannel 0: buy\n\nChannel 1: isn't\n\nChannel 0: a new\n\nChannel 1: it?\n\nChannel 0: property, it is actually because that's, I mean, that's the whole reason we tend to do these sorts of things.\n\nChannel 1: Yeah.\n\nChannel 0: We just have to call it something else.\n\nChannel 1: Yeah.\n\nChannel 0: But, realistically, like, if you're wanting to be able to build wealth outside of so far,\n\nChannel 1: Yep.\n\nChannel 0: looking at, say, an investment property is a good way to do that. You're, you know, building your ad your net assets and growing investments to the future, and property tends to do very well over the longer term there as well.\n\nChannel 1: Yep.\n\nChannel 0: And then if you rent the property out, plus you've got management fees and you've got, you know, you've gotta look after the property as well, so ongoing maintenance costs and things like that. If\n\nChannel 1: Yep.\n\nChannel 0: the rent you're bringing in just so happens to not cover the cost of the loan repayment or sorry. It's not so much the principal. It's the interest on the loan repayment plus your\n\nChannel 1: Mhmm.\n\nChannel 0: management fees plus your ongoing maintenance costs, then you've technically negatively geared the property, and\n\nChannel 1: Yep.\n\nChannel 0: that gives you a tax deduction. And that works out really well. It's one of the best ways to be able to minimize the amount of tax we are paying. But the tough thing at the moment is that with this bill coming in, it's well, if this bill goes through, then it might change the way we are able to negatively\n\nChannel 1: Yep.\n\nChannel 0: give. So I'm just of the opinion at the moment. Have a think about what you'd like to do. If and when you wanna sort of look at buying a new property, we can put you in touch with a mortgage broker to sort of help you with that.\n\nChannel 1: Yep.\n\nChannel 0: But I would be very mindful of just being cautious about doing it now. I'd be waiting to see what happens with this bill to work out whether you buy your forever home and rent the current property out or whether you have to buy a new property to be able to look at negative gearing to benefit you. Does that make sense?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yeah. There's just\n\nChannel 1: I'd\n\nChannel 0: so much happening here at the moment.\n\nChannel 1: yeah. I probably still need to look at I'd say this year, I'll max out, what would you say, super or, like, when I say max out at 15% tax rate.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: I should be looking to do that moving forward, I imagine. Keep maxing that\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: out.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: What's the maximum? Is is it up to $30, or is it 27\n\nChannel 0: Yeah. So yeah. So this financial year, you can put in there up to the 30,000.\n\nChannel 1: r? Yep.\n\nChannel 0: You could also look at utilizing some catch up contributions. I would say utilizing catch up contribution because your balance is a lot higher, once you hit that $500,000 balance as of the July 1, any financial year, you actually lose access to your catch up contributions. So\n\nChannel 1: Isn't\n\nChannel 0: if\n\nChannel 1: good.\n\nChannel 0: you wanted to\n\nChannel 1: They're really stuffing me around.\n\nChannel 0: yeah. If you wanted to, you could send through your catch up contributions, and I can have a look at that for you and work out what you could put in this year to kind of give you a little bit of an extra tax deduction.\n\nChannel 1: Yeah. It's probably not as silly as it sounds.\n\nChannel 0: No. No.\n\nChannel 1: So how do\n\nChannel 0: Because\n\nChannel 1: I go about working out what my catch up could be?\n\nChannel 0: if if you like, I'll send you an email after the call. It'll have instructions on how to access that through your MyGov account. If you\n\nChannel 1: Yep.\n\nChannel 0: can get a hold of that and send it through\n\nChannel 1: Yep.\n\nChannel 0: to me, I can have a look at what you've got packed up space. And if you're comfortable do you know how much you would like to know you put in the super? Do you have, like, a lump sum amount you'd be comfortable with? Or\n\nChannel 1: So when I say catch up, does that have to go straight from payroll from work, or can I grab money out of the bank and put it in?\n\nChannel 0: that's exactly it. So take money out of your bank account, and we transfer it into super, and then we claim a notice of intent against that once it's in super.\n\nChannel 1: Yep. Okay. Yeah. Right. There we go.\n\nNice.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: So the way it works you're right. To give you a bit of clarity there, it's called a deductible contribution. So we take money that you've already paid tax on, like, out of your bank account or savings\n\nChannel 1: Mhmm.\n\nChannel 0: or something like that, you transfer that straight into super. Because looking at your contributions this financial year, you're right on that twenty nine thousand nine six three already. So you're basically capping out with your\n\nChannel 1: Yep.\n\nChannel 0: contributions\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: currently.\n\nChannel 1: Yeah. And I've still got another and I've still got another pay to come in,\n\nChannel 0: Mhmm.\n\nChannel 1: I imagine.\n\nChannel 0: Yeah. Are\n\nChannel 1: I still\n\nChannel 0: you\n\nChannel 1: got\n\nChannel 0: I'm just looking at your contributions going in. Let's\n\nChannel 1: yeah.\n\nChannel 0: have a look.\n\nChannel 1: Because yeah. Because I'm on salary, and I get paid monthly.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So I'll still I'll still have one to come.\n\nChannel 0: Yep. Perfect. Where are we? So I'm actually here. I'm just having a quick look at your contributions.\n\nThey tend to go in around the fifteenth of every month. So around about the\n\nChannel 1: Yep.\n\nChannel 0: fifteenth of next month, you'll have\n\nChannel 1: Yep.\n\nChannel 0: probably another $1,800 there. So\n\nChannel 1: Yes.\n\nChannel 0: because your balance was under 500,000 as at the July 1 year, you should still have access to those types of contributions. But if we don't use them this year, you may not get access to them next financial year depending on how your balance goes. I reckon\n\nChannel 1: Yeah.\n\nChannel 0: you might get one more year out of them, but it just depends upon what the market does as well. But, essentially, with a deductible contribution, we take some money out of your bank account. You've already paid tax on that money, put that into super, and then we claim a notice of intent. That then\n\nChannel 1: Yep.\n\nChannel 0: means that the super fund about 15% tax. It changes the contribution, and then the amount you put into super, you can claim on your tax return as a bit of a tax deduction. So\n\nChannel 1: Yep.\n\nChannel 0: it kind of works really well to help reduce your taxable income a bit there as well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Beautiful. Well,\n\nChannel 0: Yeah.\n\nChannel 1: we might look at doing that. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, if you can send me through a word and let us know what I'm gonna do,\n\nChannel 0: Yes.\n\nChannel 1: because\n\nChannel 0: Perfect.\n\nChannel 1: I'll probably\n\nChannel 0: I'll shoot you to\n\nChannel 1: I'll\n\nChannel 0: an email.\n\nChannel 1: I'll I'll have to get on to that.\n\nChannel 0: Yes. Perfect. Yeah. We'll need to get it done generally before the last week of June. So I would be wanting to get these sort of done no later than, say, the June 20 to make sure\n\nChannel 1: Yep.\n\nChannel 0: they all go in because then\n\nChannel 1: Yep.\n\nChannel 0: the super fund has to process the contributions, and we claim the notice of intent. We can do it straight after, but the notice intent doesn't have to be claimed till after the July 1. It's just getting the contribution\n\nChannel 1: Yep.\n\nChannel 0: in on time.\n\nChannel 1: Yeah. Right\n\nChannel 0: So\n\nChannel 1: now.\n\nChannel 0: yeah. So if you like, I'll send the email straight after this, give you the direction on how to get that information from your MyGov account. If you can\n\nChannel 1: Yep.\n\nChannel 0: shoot that back to me, I can do some numbers and some playing there for you, and then you can let me know. We can do it without advice to make it quicker where you just transfer the money in and tell me once you've done it,\n\nChannel 1: Yep.\n\nChannel 0: and I'll just give you some general information around, you know, what that might look like. The tax deduction I mean, you might have other deductions that might help reduce some you know, that you might also be able to provide there, but I can give you some general information on what that looks like. We can get that money in, and then you've got something done before the end of the financial year to help you out a little bit.\n\nChannel 1: Yeah. Nice. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Perfect. Excellent.\n\nChannel 1: Perfect.\n\nChannel 0: Excellent. Perfect. Do you have any other questions or anything else you wanted me to touch base on? Or\n\nChannel 1: No. Probably not at this stage. But, yeah, I just want I yeah.\n\nChannel 0: No.\n\nChannel 1: I just want I just want to talk about, yeah, contributions moving forward.\n\nChannel 0: Yep.\n\nChannel 1: Do\n\nChannel 0: Beautiful.\n\nChannel 1: will or do they increase per year? Do they follow inflation and such or anything?\n\nChannel 0: Yeah. Not every year. As\n\nChannel 1: Yep.\n\nChannel 0: of next year, the contributions cap will be increasing by 2,500, so it goes\n\nChannel 1: Yep.\n\nChannel 0: from 30,000 to 32,500. It tends to do that sort of every two to three years depending on sort of how\n\nChannel 1: Yep.\n\nChannel 0: everything goes. So\n\nChannel 1: Yep.\n\nChannel 0: it should be every second year that they increase it in 2,500 increments\n\nChannel 1: Yep.\n\nChannel 0: unless they change that legislation at all. But they're also increasing the non concessional cut, which is great to a 130,000. So,\n\nChannel 1: Yeah. Right.\n\nChannel 0: yeah, we've\n\nChannel 1: Yeah.\n\nChannel 0: got\n\nChannel 1: Alright.\n\nChannel 0: extra space in other ways if we need to. Okay.\n\nChannel 1: Yeah. So we should be looking at maxing it out this year.\n\nChannel 0: Mhmm.\n\nChannel 1: As I well well, like and putting that extra in. And then next year, probably need to look at salary sacrificing more straight out of\n\nChannel 0: We\n\nChannel 1: my\n\nChannel 0: we can. It just depends on with your increase in income. Just yeah. Have you look at how much you've got going because this year, it looks like you\n\nChannel 1: yeah.\n\nChannel 0: might just exceed\n\nChannel 1: They\n\nChannel 0: the cap a little bit with what you've\n\nChannel 1: yeah.\n\nChannel 0: got. Yeah.\n\nChannel 1: Yeah. They they owed me plenty this year, but\n\nChannel 0: That's probably where that extra comes from.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Because I think you'll see\n\nChannel 0: Yep.\n\nChannel 1: one yeah. There's one yeah. There's a couple of pay cycles there where I was paid probably more than what I'm usually paid.\n\nChannel 0: Yeah. There was. Yeah.\n\nChannel 1: Yeah. Yep. So\n\nChannel 0: They\n\nChannel 1: and\n\nChannel 0: owed\n\nChannel 1: I think\n\nChannel 0: you a bit of back pay.\n\nChannel 1: yeah. They owe me a bit of money.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway\n\nChannel 0: There was a nice big $10,000 one that went in there.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I mean,\n\nChannel 1: Yep. Bye.\n\nChannel 0: we can do it this way each year if you want because, I mean, family sacrifice is good. There are limitations to it. When you think of\n\nChannel 1: Yep.\n\nChannel 0: it from a tax point of view, making more of a deductible contribution works more in your favor.\n\nChannel 1: Mhmm.\n\nChannel 0: Even if we can't sort of even if we can't use CACAA contributions moving forward, we can look at what goes in from your employer each year and then around June, work out what you can put in as a lump sum to kind of boost it up to the cap.\n\nChannel 1: Yep.\n\nChannel 0: And we can do it that way because, I mean, salary sacrifice comes out of your income.\n\nChannel 1: Yep.\n\nChannel 0: It doesn't provide as big of a deduction, whereas if you were to make, like, a big $10,000 deductible contribution, that\n\nChannel 1: Mhmm.\n\nChannel 0: $10,000 you can take and claim back on your tax return. So from a\n\nChannel 1: Yeah. Right\n\nChannel 0: tax\n\nChannel 1: now.\n\nChannel 0: point of view, the deductible contribution works out more in our favor.\n\nChannel 1: Yeah. Right now. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Too\n\nChannel 0: Beautiful.\n\nChannel 1: easy.\n\nChannel 0: Easy. Do you want\n\nChannel 1: No.\n\nChannel 0: me to, in the email, put a little bit of information on what a deductible contribution is to kinda give you a bit of a breakdown? I know we've talked about a lot of things, so just to\n\nChannel 1: Yep.\n\nChannel 0: kind of add a bit more detail there for you.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That'll be sensational, please.\n\nChannel 0: Fantastic. Not an issue at all. I'll get those out to you shortly. If there's any additional questions or anything else for me, please don't ever hesitate and let me know,\n\nChannel 1: Yep.\n\nChannel 0: and I'll go back and look at doing that investment switch keeping that high growth environment, remove Ben along, and put something else in place and show you what that looks like. Okay.\n\nChannel 1: Yep. Alright. That'll\n\nChannel 0: Beautiful.\n\nChannel 1: be great.\n\nChannel 0: Easy. Thank you so much. I'll let you go, Paula. I hope you have a lovely evening, but thanks for your time.\n\nChannel 1: No. You too. Thank you.\n\nChannel 0: No worries. I'll talk to you soon. Thanks.\n\nChannel 1: Alright. Okay. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.12,"sentiment":"neutral","sentiment_score":0.02519354224205017},{"text":"Paul speaking.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.021063787396997213}],"sentiment":"neutral","sentiment_score":0.022440372345348198,"channel":1,"num_words":3,"start":0.71999997,"end":1.86},{"sentences":[{"text":"Hi, Paul.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.11838442832231522},{"text":"It's Dana from IT Financial.","start":2.96,"end":4.42,"sentiment":"neutral","sentiment_score":0.15994579792022706},{"text":"How are you this afternoon?","start":4.48,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.20042819976806642}],"sentiment":"neutral","sentiment_score":0.16988657042384148,"channel":0,"num_words":12,"start":2.3999999,"end":5.7799997},{"sentences":[{"text":"Good.","start":5.92,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5236645936965942},{"text":"Thanks.","start":6.3199997,"end":6.56,"sentiment":"positive","sentiment_score":0.5528196096420288},{"text":"How are you?","start":6.56,"end":7.46,"sentiment":"positive","sentiment_score":0.3344967762629191}],"sentiment":"positive","sentiment_score":0.4159949064254761,"channel":1,"num_words":5,"start":5.92,"end":7.46},{"sentences":[{"text":"I'm very well.","start":7.44,"end":8.24,"sentiment":"positive","sentiment_score":0.6072980165481567},{"text":"Thank you.","start":8.24,"end":8.72,"sentiment":"positive","sentiment_score":0.6728360950946808},{"text":"I just had you booked in to go through your annual review.","start":8.72,"end":10.719999,"sentiment":"neutral","sentiment_score":0.31784864515066147},{"text":"Is now still a good time there for you?","start":10.719999,"end":12.645,"sentiment":"neutral","sentiment_score":0.27767860061592525}],"sentiment":"positive","sentiment_score":0.3646483610455806,"channel":0,"num_words":26,"start":7.44,"end":12.645},{"sentences":[{"text":"Yeah.","start":12.88,"end":13.12,"sentiment":"neutral","sentiment_score":0.14834588766098022},{"text":"That's fine.","start":13.12,"end":13.84,"sentiment":"neutral","sentiment_score":0.2116406187415123},{"text":"Yep.","start":13.84,"end":14.34,"sentiment":"neutral","sentiment_score":0.19463446736335752}],"sentiment":"neutral","sentiment_score":0.1915653981268406,"channel":1,"num_words":4,"start":12.88,"end":14.34},{"sentences":[{"text":"Yeah.","start":14.405001,"end":14.725,"sentiment":"neutral","sentiment_score":0.22542467713356015},{"text":"All good.","start":14.725,"end":15.285,"sentiment":"positive","sentiment_score":0.37738339602947235},{"text":"How's your day been so far?","start":15.285,"end":16.905,"sentiment":"neutral","sentiment_score":0.16338580350081125}],"sentiment":"neutral","sentiment_score":0.2178340322441525,"channel":0,"num_words":9,"start":14.405001,"end":16.905},{"sentences":[{"text":"Pretty busy.","start":17.685,"end":18.425,"sentiment":"neutral","sentiment_score":0.030440781265497208},{"text":"Not too bad,","start":18.485,"end":19.125,"sentiment":"neutral","sentiment_score":0.04988264540831248}],"sentiment":"neutral","sentiment_score":0.04210589975118637,"channel":1,"num_words":5,"start":17.685,"end":19.125},{"sentences":[{"text":"Yeah?","start":19.045,"end":19.545,"sentiment":"neutral","sentiment_score":0.07514984905719757}],"sentiment":"neutral","sentiment_score":0.07514984905719757,"channel":0,"num_words":1,"start":19.045,"end":19.545},{"sentences":[{"text":"mate.","start":19.125,"end":19.625,"sentiment":"neutral","sentiment_score":0.092997744679451},{"text":"How","start":19.925,"end":20.165,"sentiment":"neutral","sentiment_score":0.06714218109846115}],"sentiment":"neutral","sentiment_score":0.08006996288895607,"channel":1,"num_words":2,"start":19.125,"end":20.165},{"sentences":[{"text":"Oh,","start":20.005001,"end":20.245,"sentiment":"neutral","sentiment_score":0.07946109026670456}],"sentiment":"neutral","sentiment_score":0.07946109026670456,"channel":0,"num_words":1,"start":20.005001,"end":20.245},{"sentences":[{"text":"about","start":20.165,"end":20.325,"sentiment":"neutral","sentiment_score":0.10180438309907912}],"sentiment":"neutral","sentiment_score":0.10180438309907912,"channel":1,"num_words":1,"start":20.165,"end":20.325},{"sentences":[{"text":"that's","start":20.245,"end":20.405,"sentiment":"neutral","sentiment_score":0.10204845666885376}],"sentiment":"neutral","sentiment_score":0.10204845666885376,"channel":0,"num_words":1,"start":20.245,"end":20.405},{"sentences":[{"text":"yours?","start":20.325,"end":20.825,"sentiment":"neutral","sentiment_score":0.09334083646535872}],"sentiment":"neutral","sentiment_score":0.09334083646535872,"channel":1,"num_words":1,"start":20.325,"end":20.825},{"sentences":[{"text":"good.","start":20.405,"end":20.725,"sentiment":"neutral","sentiment_score":0.2634534239768982},{"text":"I yeah.","start":20.725,"end":21.605,"sentiment":"neutral","sentiment_score":0.2460760474205017},{"text":"It's been good.","start":21.605,"end":22.244999,"sentiment":"positive","sentiment_score":0.40097328027089435},{"text":"Busy, but","start":22.244999,"end":22.965,"sentiment":"neutral","sentiment_score":0.22286155819892883}],"sentiment":"neutral","sentiment_score":0.3005310595035553,"channel":0,"num_words":8,"start":20.405,"end":22.965},{"sentences":[{"text":"Good.","start":22.805,"end":23.305,"sentiment":"neutral","sentiment_score":0.3059096336364746}],"sentiment":"neutral","sentiment_score":0.3059096336364746,"channel":1,"num_words":1,"start":22.805,"end":23.305},{"sentences":[{"text":"just for having the end of financial year, so it's","start":22.965,"end":25.205,"sentiment":"neutral","sentiment_score":0.2100068062543869}],"sentiment":"neutral","sentiment_score":0.2100068062543869,"channel":0,"num_words":10,"start":22.965,"end":25.205},{"sentences":[{"text":"Yeah.","start":25.045,"end":25.365,"sentiment":"neutral","sentiment_score":0.1737966537475586}],"sentiment":"neutral","sentiment_score":0.1737966537475586,"channel":1,"num_words":1,"start":25.045,"end":25.365},{"sentences":[{"text":"all","start":25.205,"end":25.605,"sentiment":"neutral","sentiment_score":0.3058036267757416}],"sentiment":"neutral","sentiment_score":0.3058036267757416,"channel":0,"num_words":1,"start":25.205,"end":25.605},{"sentences":[{"text":"Nice.","start":25.365,"end":25.865,"sentiment":"positive","sentiment_score":0.4163999259471894}],"sentiment":"positive","sentiment_score":0.4163999259471894,"channel":1,"num_words":1,"start":25.365,"end":25.865},{"sentences":[{"text":"okay.","start":25.605,"end":26.105,"sentiment":"positive","sentiment_score":0.3396511375904083}],"sentiment":"positive","sentiment_score":0.3396511375904083,"channel":0,"num_words":1,"start":25.605,"end":26.105},{"sentences":[{"text":"Very good.","start":26.645,"end":27.544998,"sentiment":"positive","sentiment_score":0.4815295338630676}],"sentiment":"positive","sentiment_score":0.4815295338630676,"channel":1,"num_words":2,"start":26.645,"end":27.544998},{"sentences":[{"text":"Yeah.","start":28.21,"end":28.71,"sentiment":"neutral","sentiment_score":0.10128524899482728},{"text":"How's everything been going since we last closed Tabspace?","start":28.849998,"end":31.189999,"sentiment":"neutral","sentiment_score":0.02897964355846246},{"text":"Is there anything big change, any new pay rises, or any changes in your role?","start":31.25,"end":35.35,"sentiment":"neutral","sentiment_score":-0.007341064916302761}],"sentiment":"neutral","sentiment_score":0.01007944269105792,"channel":0,"num_words":25,"start":28.21,"end":35.35},{"sentences":[{"text":"I'm not too sure.","start":36.83,"end":38.03,"sentiment":"neutral","sentiment_score":-0.07090966682881117},{"text":"I don't know.","start":38.03,"end":38.83,"sentiment":"neutral","sentiment_score":-0.07369112720092137},{"text":"When did we touch base?","start":38.83,"end":39.79,"sentiment":"neutral","sentiment_score":-0.03564044050872326},{"text":"Probably","start":39.79,"end":40.11,"sentiment":"neutral","sentiment_score":-0.017556358128786087}],"sentiment":"neutral","sentiment_score":-0.05388235458387779,"channel":1,"num_words":13,"start":36.83,"end":40.11},{"sentences":[{"text":"Yeah.","start":39.825,"end":40.325,"sentiment":"neutral","sentiment_score":-0.01443968154489994}],"sentiment":"neutral","sentiment_score":-0.01443968154489994,"channel":0,"num_words":1,"start":39.825,"end":40.325},{"sentences":[{"text":"last one","start":40.11,"end":40.510002,"sentiment":"neutral","sentiment_score":-0.01487528346478939}],"sentiment":"neutral","sentiment_score":-0.01487528346478939,"channel":1,"num_words":2,"start":40.11,"end":40.510002},{"sentences":[{"text":"Yeah.","start":40.465,"end":40.965,"sentiment":"neutral","sentiment_score":-0.012302062474191189}],"sentiment":"neutral","sentiment_score":-0.012302062474191189,"channel":0,"num_words":1,"start":40.465,"end":40.965},{"sentences":[{"text":"inch, were you?","start":40.510002,"end":41.33,"sentiment":"neutral","sentiment_score":-0.021165259492894013},{"text":"I imagine.","start":41.71,"end":42.45,"sentiment":"neutral","sentiment_score":-0.03550861217081547}],"sentiment":"neutral","sentiment_score":-0.026902600564062594,"channel":1,"num_words":5,"start":40.510002,"end":42.45},{"sentences":[{"text":"Yeah.","start":43.185,"end":43.685,"sentiment":"neutral","sentiment_score":-0.02847708947956562}],"sentiment":"neutral","sentiment_score":-0.02847708947956562,"channel":0,"num_words":1,"start":43.185,"end":43.685},{"sentences":[{"text":"I don't think so.","start":45.755,"end":47.135002,"sentiment":"neutral","sentiment_score":-0.04907429125159979},{"text":"We probably","start":47.195,"end":47.755,"sentiment":"neutral","sentiment_score":-0.04516524448990822}],"sentiment":"neutral","sentiment_score":-0.04777127566436926,"channel":1,"num_words":6,"start":45.755,"end":47.755},{"sentences":[{"text":"No?","start":47.665,"end":48.165,"sentiment":"neutral","sentiment_score":-0.04719650372862816}],"sentiment":"neutral","sentiment_score":-0.04719650372862816,"channel":0,"num_words":1,"start":47.665,"end":48.165},{"sentences":[{"text":"just run over them numbers again if we need to.","start":47.755,"end":50.095,"sentiment":"neutral","sentiment_score":-0.04304031543433666}],"sentiment":"neutral","sentiment_score":-0.04304031543433666,"channel":1,"num_words":10,"start":47.755,"end":50.095},{"sentences":[{"text":"Yeah.","start":49.745003,"end":50.245003,"sentiment":"neutral","sentiment_score":-0.002698543481528759},{"text":"No.","start":50.305,"end":50.545,"sentiment":"neutral","sentiment_score":-0.01329327281564474},{"text":"That's","start":50.545,"end":50.785,"sentiment":"neutral","sentiment_score":0.010323168709874151}],"sentiment":"neutral","sentiment_score":-0.0018895491957664496,"channel":0,"num_words":3,"start":49.745003,"end":50.785},{"sentences":[{"text":"Yep.","start":50.555,"end":51.055,"sentiment":"neutral","sentiment_score":0.01338228490203619}],"sentiment":"neutral","sentiment_score":0.01338228490203619,"channel":1,"num_words":1,"start":50.555,"end":51.055},{"sentences":[{"text":"okay.","start":50.785,"end":51.185,"sentiment":"neutral","sentiment_score":0.04891319572925568},{"text":"Not a problem at all.","start":51.185,"end":52.225,"sentiment":"neutral","sentiment_score":0.06924746036529542},{"text":"Excellent.","start":52.225,"end":52.705,"sentiment":"neutral","sentiment_score":0.2661464810371399}],"sentiment":"neutral","sentiment_score":0.09447099694183894,"channel":0,"num_words":7,"start":50.785,"end":52.705},{"sentences":[{"text":"Yep.","start":52.555,"end":53.055,"sentiment":"neutral","sentiment_score":0.09462615102529526}],"sentiment":"neutral","sentiment_score":0.09462615102529526,"channel":1,"num_words":1,"start":52.555,"end":53.055},{"sentences":[{"text":"What I'll do is we don't use DocuSign anymore.","start":52.705,"end":55.57,"sentiment":"neutral","sentiment_score":-0.02340539637953043},{"text":"We use OdoSign.","start":55.57,"end":56.47,"sentiment":"neutral","sentiment_score":0.000742599368095398},{"text":"So what I'll do is I'll go through the annual review with you, give you an update on how things are going, update all of your circumstances, and have a bit of a chat.","start":56.690002,"end":63.97,"sentiment":"neutral","sentiment_score":0.07803432500975974},{"text":"And then after the call, out will come your annual review pack so you","start":63.97,"end":66.770004,"sentiment":"neutral","sentiment_score":0.0663987754711083}],"sentiment":"neutral","sentiment_score":0.05623881896026432,"channel":0,"num_words":60,"start":52.705,"end":66.770004},{"sentences":[{"text":"Yep.","start":66.740005,"end":67.240005,"sentiment":"neutral","sentiment_score":0.0752921998500824}],"sentiment":"neutral","sentiment_score":0.0752921998500824,"channel":1,"num_words":1,"start":66.740005,"end":67.240005},{"sentences":[{"text":"can take some time and have a bit of a look at it and let me know if","start":66.770004,"end":71.705,"sentiment":"neutral","sentiment_score":0.08665229297346538}],"sentiment":"neutral","sentiment_score":0.08665229297346538,"channel":0,"num_words":18,"start":66.770004,"end":71.705},{"sentences":[{"text":"Yep.","start":71.700005,"end":72.200005,"sentiment":"neutral","sentiment_score":0.04456201195716858}],"sentiment":"neutral","sentiment_score":0.04456201195716858,"channel":1,"num_words":1,"start":71.700005,"end":72.200005},{"sentences":[{"text":"there's any additional questions","start":71.705,"end":72.604996,"sentiment":"neutral","sentiment_score":0.038381524849683046}],"sentiment":"neutral","sentiment_score":0.038381524849683046,"channel":0,"num_words":4,"start":71.705,"end":72.604996},{"sentences":[{"text":"Alright.","start":72.485,"end":72.885,"sentiment":"neutral","sentiment_score":0.09573893249034882}],"sentiment":"neutral","sentiment_score":0.09573893249034882,"channel":1,"num_words":1,"start":72.485,"end":72.885},{"sentences":[{"text":"that you","start":72.604996,"end":73.055,"sentiment":"neutral","sentiment_score":0.1029607392847538}],"sentiment":"neutral","sentiment_score":0.1029607392847538,"channel":0,"num_words":2,"start":72.604996,"end":73.055},{"sentences":[{"text":"Yep.","start":72.885,"end":73.244995,"sentiment":"neutral","sentiment_score":0.09070717543363573}],"sentiment":"neutral","sentiment_score":0.09070717543363573,"channel":1,"num_words":1,"start":72.885,"end":73.244995},{"sentences":[{"text":"do","start":73.055,"end":73.28,"sentiment":"neutral","sentiment_score":0.10308174788951874}],"sentiment":"neutral","sentiment_score":0.10308174788951874,"channel":0,"num_words":1,"start":73.055,"end":73.28},{"sentences":[{"text":"Sounds","start":73.244995,"end":73.604996,"sentiment":"neutral","sentiment_score":0.13328593969345093}],"sentiment":"neutral","sentiment_score":0.13328593969345093,"channel":1,"num_words":1,"start":73.244995,"end":73.604996},{"sentences":[{"text":"have.","start":73.28,"end":73.505,"sentiment":"neutral","sentiment_score":0.14104124903678894},{"text":"Is","start":73.505,"end":73.729996,"sentiment":"neutral","sentiment_score":0.1842924058437347}],"sentiment":"neutral","sentiment_score":0.16266682744026184,"channel":0,"num_words":2,"start":73.28,"end":73.729996},{"sentences":[{"text":"good.","start":73.604996,"end":74.104996,"sentiment":"neutral","sentiment_score":0.21103766560554504}],"sentiment":"neutral","sentiment_score":0.21103766560554504,"channel":1,"num_words":1,"start":73.604996,"end":74.104996},{"sentences":[{"text":"that okay?","start":73.729996,"end":74.18,"sentiment":"neutral","sentiment_score":0.15846218168735504},{"text":"Yep.","start":74.18,"end":74.405,"sentiment":"neutral","sentiment_score":0.14259137213230133},{"text":"Easy.","start":74.405,"end":74.905,"sentiment":"neutral","sentiment_score":0.23057794570922852},{"text":"All good.","start":74.965,"end":75.685,"sentiment":"neutral","sentiment_score":0.2639092952013016},{"text":"Before we jump into the call, just to obviously let you know, we do record these calls moving forward for training and quality purposes.","start":75.685,"end":81.365,"sentiment":"neutral","sentiment_score":0.10966081358492374}],"sentiment":"neutral","sentiment_score":0.12832572658856709,"channel":0,"num_words":30,"start":73.729996,"end":81.365},{"sentences":[{"text":"Are you happy for me to proceed with that moving through the call?","start":81.365,"end":84.265,"sentiment":"neutral","sentiment_score":0.15983597189188004}],"sentiment":"neutral","sentiment_score":0.15983597189188004,"channel":0,"num_words":13,"start":81.365,"end":84.265},{"sentences":[{"text":"Yeah.","start":84.085,"end":84.405,"sentiment":"neutral","sentiment_score":0.09116017818450928},{"text":"That's fine.","start":84.405,"end":85.225,"sentiment":"neutral","sentiment_score":0.1441493108868599}],"sentiment":"neutral","sentiment_score":0.126486266652743,"channel":1,"num_words":3,"start":84.085,"end":85.225},{"sentences":[{"text":"Yeah.","start":85.520004,"end":85.840004,"sentiment":"neutral","sentiment_score":0.28851938247680664},{"text":"Fantastic.","start":85.840004,"end":86.340004,"sentiment":"positive","sentiment_score":0.5292361378669739},{"text":"Excellent.","start":86.64,"end":87.12,"sentiment":"positive","sentiment_score":0.4212870001792908},{"text":"And I'll just do security there with you as well just to confirm your full name, your address, and date of birth I should have on file before I give out any personal information.","start":87.12,"end":94.18,"sentiment":"neutral","sentiment_score":0.15041851986418753}],"sentiment":"neutral","sentiment_score":0.17171005934879585,"channel":0,"num_words":37,"start":85.520004,"end":94.18},{"sentences":[{"text":"So Paul Monaghan, the tenth","start":94.86,"end":96.78,"sentiment":"neutral","sentiment_score":0.03258788697421551}],"sentiment":"neutral","sentiment_score":0.03258788697421551,"channel":1,"num_words":5,"start":94.86,"end":96.78},{"sentences":[{"text":"Yep.","start":96.72,"end":97.22,"sentiment":"neutral","sentiment_score":0.0269169881939888}],"sentiment":"neutral","sentiment_score":0.0269169881939888,"channel":0,"num_words":1,"start":96.72,"end":97.22},{"sentences":[{"text":"of the ninth nineteen eighty nine","start":96.78,"end":98.46,"sentiment":"neutral","sentiment_score":0.02676790642241637}],"sentiment":"neutral","sentiment_score":0.02676790642241637,"channel":1,"num_words":6,"start":96.78,"end":98.46},{"sentences":[{"text":"Yep.","start":98.16,"end":98.66,"sentiment":"neutral","sentiment_score":0.01805892400443554}],"sentiment":"neutral","sentiment_score":0.01805892400443554,"channel":0,"num_words":1,"start":98.16,"end":98.66},{"sentences":[{"text":"in James O'Donnell Drive, Barnesville.","start":98.46,"end":101.03999,"sentiment":"neutral","sentiment_score":0.024205121770501138}],"sentiment":"neutral","sentiment_score":0.024205121770501138,"channel":1,"num_words":5,"start":98.46,"end":101.03999},{"sentences":[{"text":"Legend.","start":100.935,"end":101.435,"sentiment":"neutral","sentiment_score":0.3059413731098175},{"text":"Beautiful.","start":101.735,"end":102.235,"sentiment":"positive","sentiment_score":0.6985548734664917},{"text":"Thank you so much for that.","start":102.295,"end":103.915,"sentiment":"positive","sentiment_score":0.778781016667684},{"text":"So, Joel, I know you did speak to my colleague Samantha about a week ago now, and she sent an email to you just giving you a bit of an update on your portfolio there.","start":104.215,"end":111.655,"sentiment":"neutral","sentiment_score":0.08320355085389955},{"text":"Did you happen to have a look through the email at all?","start":111.655,"end":114.075,"sentiment":"neutral","sentiment_score":0.03142261955266198}],"sentiment":"neutral","sentiment_score":0.16302505565637893,"channel":0,"num_words":55,"start":100.935,"end":114.075},{"sentences":[{"text":"Yeah.","start":114.095,"end":114.415,"sentiment":"neutral","sentiment_score":0.02797063998878002},{"text":"I have that.","start":114.415,"end":114.975006,"sentiment":"neutral","sentiment_score":0.031357624878486},{"text":"Look at that.","start":114.975006,"end":115.535,"sentiment":"neutral","sentiment_score":0.045474689453840256},{"text":"Yep.","start":115.535,"end":115.89,"sentiment":"neutral","sentiment_score":0.09597992897033691}],"sentiment":"neutral","sentiment_score":0.04430593899451196,"channel":1,"num_words":8,"start":114.095,"end":115.89},{"sentences":[{"text":"Yep.","start":115.97,"end":116.47,"sentiment":"neutral","sentiment_score":0.18339475989341736},{"text":"Fantastic.","start":116.53,"end":117.03,"sentiment":"positive","sentiment_score":0.5336674451828003}],"sentiment":"positive","sentiment_score":0.3585311025381088,"channel":0,"num_words":2,"start":115.97,"end":117.03},{"sentences":[{"text":"Sure","start":116.93,"end":117.43,"sentiment":"neutral","sentiment_score":0.3313308358192444}],"sentiment":"neutral","sentiment_score":0.3313308358192444,"channel":1,"num_words":1,"start":116.93,"end":117.43},{"sentences":[{"text":"So this is yeah.","start":117.41,"end":118.45,"sentiment":"positive","sentiment_score":0.4280210807919502},{"text":"It's all good.","start":118.45,"end":119.01,"sentiment":"positive","sentiment_score":0.5972195466359457},{"text":"Just to give you a bit of an update on where things are going and so super probably the main thing you're","start":119.01,"end":123.33,"sentiment":"neutral","sentiment_score":0.29889076270840387}],"sentiment":"positive","sentiment_score":0.347563439402087,"channel":0,"num_words":29,"start":117.41,"end":123.33},{"sentences":[{"text":"have.","start":123.25,"end":123.75,"sentiment":"neutral","sentiment_score":0.19044165313243863}],"sentiment":"neutral","sentiment_score":0.19044165313243863,"channel":1,"num_words":1,"start":123.25,"end":123.75},{"sentences":[{"text":"wanting to sort of find out about.","start":123.33,"end":125.03,"sentiment":"neutral","sentiment_score":0.032715323248079846}],"sentiment":"neutral","sentiment_score":0.032715323248079846,"channel":0,"num_words":7,"start":123.33,"end":125.03},{"sentences":[{"text":"Yeah.","start":125.57,"end":126.07,"sentiment":"neutral","sentiment_score":0.04924849793314934}],"sentiment":"neutral","sentiment_score":0.04924849793314934,"channel":1,"num_words":1,"start":125.57,"end":126.07},{"sentences":[{"text":"As of your last annual review last year, your balance is about 3 sorry.","start":125.97,"end":129.945,"sentiment":"neutral","sentiment_score":0.035623486153781414},{"text":"403,609.","start":129.945,"end":133.405,"sentiment":"neutral","sentiment_score":0.024925025179982185},{"text":"Having a look at things now, your balance is upwards of 475,904.","start":133.785,"end":138.82501,"sentiment":"neutral","sentiment_score":0.1238953626404206},{"text":"So it's a good increase for the year.","start":138.82501,"end":140.68501,"sentiment":"positive","sentiment_score":0.40807081386446953},{"text":"When","start":140.74501,"end":140.985,"sentiment":"neutral","sentiment_score":0.19218246638774872}],"sentiment":"neutral","sentiment_score":0.15186519889781872,"channel":0,"num_words":36,"start":125.97,"end":140.985},{"sentences":[{"text":"Yep.","start":140.985,"end":141.39,"sentiment":"neutral","sentiment_score":0.14828385412693024}],"sentiment":"neutral","sentiment_score":0.14828385412693024,"channel":1,"num_words":1,"start":140.985,"end":141.39},{"sentences":[{"text":"we have a look at that as an increase, you're up by 11.6% net of fees for the year.","start":140.985,"end":147.63,"sentiment":"neutral","sentiment_score":0.13788442862661263},{"text":"When we break that down to a dollar figure as it's income and growth there, you've made about 55,305 and 76¢ for the year.","start":148.01001,"end":157.05,"sentiment":"neutral","sentiment_score":0.1926741703696873},{"text":"So it's a good","start":157.05,"end":158.175,"sentiment":"positive","sentiment_score":0.46568405628204346}],"sentiment":"neutral","sentiment_score":0.19378361494644827,"channel":0,"num_words":47,"start":140.985,"end":158.175},{"sentences":[{"text":"Yep.","start":157.995,"end":158.495,"sentiment":"positive","sentiment_score":0.4132893085479736}],"sentiment":"positive","sentiment_score":0.4132893085479736,"channel":1,"num_words":1,"start":157.995,"end":158.495},{"sentences":[{"text":"increase.","start":158.175,"end":158.675,"sentiment":"neutral","sentiment_score":0.2951057255268097},{"text":"Even after the volatility we have seen this year, it's good to see you come out on top.","start":158.815,"end":162.995,"sentiment":"positive","sentiment_score":0.4100515834159321},{"text":"And with your portfolio, you're in that high growth environment, so you have that nine to 10 split as as we have kinda gone through with you.","start":163.05501,"end":170.755,"sentiment":"neutral","sentiment_score":0.19580309838056564},{"text":"So that kind of you are taking more risk in the market, so you can sort of see more volatility and feel more volatility as your balance increases as well.","start":171.23999,"end":179.64,"sentiment":"neutral","sentiment_score":0.02528809681534767},{"text":"So","start":179.64,"end":180.14,"sentiment":"neutral","sentiment_score":0.21368417143821716}],"sentiment":"neutral","sentiment_score":0.18097460985957803,"channel":0,"num_words":77,"start":158.175,"end":180.14},{"sentences":[{"text":"Yes.","start":180.19,"end":180.69,"sentiment":"positive","sentiment_score":0.37882253527641296}],"sentiment":"positive","sentiment_score":0.37882253527641296,"channel":1,"num_words":1,"start":180.19,"end":180.69},{"sentences":[{"text":"11% return is really good, really happy with that.","start":180.59999,"end":183.73999,"sentiment":"positive","sentiment_score":0.5512395997842153}],"sentiment":"positive","sentiment_score":0.5512395997842153,"channel":0,"num_words":9,"start":180.59999,"end":183.73999},{"sentences":[{"text":"Yes.","start":184.27,"end":184.77,"sentiment":"neutral","sentiment_score":0.08587803691625595}],"sentiment":"neutral","sentiment_score":0.08587803691625595,"channel":1,"num_words":1,"start":184.27,"end":184.77},{"sentences":[{"text":"You've probably heard and seen what's happening in the markets a little bit at the moment.","start":184.375,"end":189.035,"sentiment":"neutral","sentiment_score":0.009261273914717094},{"text":"Is there any sort of questions you might have or you sort of","start":190.21501,"end":192.85501,"sentiment":"neutral","sentiment_score":-0.0003925328357861592}],"sentiment":"neutral","sentiment_score":0.00493370537138805,"channel":0,"num_words":29,"start":184.375,"end":192.85501},{"sentences":[{"text":"Probably not really.","start":195.815,"end":197.435,"sentiment":"neutral","sentiment_score":-0.052244490633408226},{"text":"Probably just looking at it.","start":198.69499,"end":200.28,"sentiment":"neutral","sentiment_score":-0.027058175392448904},{"text":"Is it look at, like, Benelon, Australian Equities and that there.","start":204.2,"end":207.74,"sentiment":"neutral","sentiment_score":0.012920946390791372}],"sentiment":"neutral","sentiment_score":-0.007889154661250742,"channel":1,"num_words":19,"start":195.815,"end":207.74},{"sentences":[{"text":"Yeah.","start":207.53,"end":208.03,"sentiment":"neutral","sentiment_score":0.03823070228099823},{"text":"Absolutely.","start":208.17,"end":208.67,"sentiment":"neutral","sentiment_score":0.04874170571565628},{"text":"So when I kinda","start":208.89,"end":209.85,"sentiment":"neutral","sentiment_score":0.007909838925115764}],"sentiment":"neutral","sentiment_score":0.01976862728285293,"channel":0,"num_words":6,"start":207.53,"end":209.85},{"sentences":[{"text":"That","start":209.8,"end":210.04,"sentiment":"neutral","sentiment_score":0.000402897596359253}],"sentiment":"neutral","sentiment_score":0.000402897596359253,"channel":1,"num_words":1,"start":209.8,"end":210.04},{"sentences":[{"text":"break down","start":209.85,"end":210.33,"sentiment":"neutral","sentiment_score":-0.0034424513578414917}],"sentiment":"neutral","sentiment_score":-0.0034424513578414917,"channel":0,"num_words":2,"start":209.85,"end":210.33},{"sentences":[{"text":"that's","start":210.12,"end":210.44,"sentiment":"neutral","sentiment_score":-0.011992241255939009}],"sentiment":"neutral","sentiment_score":-0.011992241255939009,"channel":1,"num_words":1,"start":210.12,"end":210.44},{"sentences":[{"text":"your","start":210.33,"end":210.49,"sentiment":"neutral","sentiment_score":-0.011360425502061844}],"sentiment":"neutral","sentiment_score":-0.011360425502061844,"channel":0,"num_words":1,"start":210.33,"end":210.49},{"sentences":[{"text":"probably","start":210.44,"end":210.84,"sentiment":"neutral","sentiment_score":-0.021783217787742615}],"sentiment":"neutral","sentiment_score":-0.021783217787742615,"channel":1,"num_words":1,"start":210.44,"end":210.84},{"sentences":[{"text":"portfolio","start":210.49,"end":210.99,"sentiment":"neutral","sentiment_score":0.012579862028360369}],"sentiment":"neutral","sentiment_score":0.012579862028360369,"channel":0,"num_words":1,"start":210.49,"end":210.99},{"sentences":[{"text":"that's probably the only thing I really look at is it.","start":210.84,"end":212.76,"sentiment":"neutral","sentiment_score":0.0075814646922729234},{"text":"And I'm like, it's probably the one that's not doing not doing too","start":212.76,"end":216.025,"sentiment":"neutral","sentiment_score":-0.11649353845188251}],"sentiment":"neutral","sentiment_score":-0.059625828677477934,"channel":1,"num_words":24,"start":210.84,"end":216.025},{"sentences":[{"text":"that is and that's one of the things I wanted to talk to you about today.","start":216.405,"end":219.28499,"sentiment":"neutral","sentiment_score":-0.008505504229106009}],"sentiment":"neutral","sentiment_score":-0.008505504229106009,"channel":0,"num_words":16,"start":216.405,"end":219.28499},{"sentences":[{"text":"much.","start":219.205,"end":219.44499,"sentiment":"neutral","sentiment_score":0.0020525185391306877}],"sentiment":"neutral","sentiment_score":0.0020525185391306877,"channel":1,"num_words":1,"start":219.205,"end":219.44499},{"sentences":[{"text":"I","start":219.28499,"end":219.44499,"sentiment":"neutral","sentiment_score":0.01771591231226921}],"sentiment":"neutral","sentiment_score":0.01771591231226921,"channel":0,"num_words":1,"start":219.28499,"end":219.44499},{"sentences":[{"text":"Yep.","start":219.44499,"end":219.94499,"sentiment":"neutral","sentiment_score":0.03647683560848236}],"sentiment":"neutral","sentiment_score":0.03647683560848236,"channel":1,"num_words":1,"start":219.44499,"end":219.94499},{"sentences":[{"text":"am kinda going through everyone's portfolios with the reviews and looking","start":219.44499,"end":223.045,"sentiment":"neutral","sentiment_score":0.03009868955070322}],"sentiment":"neutral","sentiment_score":0.03009868955070322,"channel":0,"num_words":11,"start":219.44499,"end":223.045},{"sentences":[{"text":"Yep.","start":222.885,"end":223.385,"sentiment":"neutral","sentiment_score":0.03724454343318939}],"sentiment":"neutral","sentiment_score":0.03724454343318939,"channel":1,"num_words":1,"start":222.885,"end":223.385},{"sentences":[{"text":"at what we maybe need to switch out for you because, obviously, we wanna make sure that nothing is underperforming in your portfolio.","start":223.045,"end":229.54,"sentiment":"neutral","sentiment_score":-0.020160300900106846},{"text":"And even with an 11% return, it is a great return.","start":229.54,"end":232.26,"sentiment":"neutral","sentiment_score":0.23981220884756607},{"text":"Your portfolio is working well, but it still means that some investments might need to be switched out every so often.","start":232.26,"end":237.56,"sentiment":"neutral","sentiment_score":-0.05639452930717241}],"sentiment":"neutral","sentiment_score":0.017999313839457253,"channel":0,"num_words":55,"start":223.045,"end":237.56},{"sentences":[{"text":"Yes.","start":237.91,"end":238.41,"sentiment":"neutral","sentiment_score":-0.0502784289419651}],"sentiment":"neutral","sentiment_score":-0.0502784289419651,"channel":1,"num_words":1,"start":237.91,"end":238.41},{"sentences":[{"text":"And having a look at things, Ben Long has been underperforming for this year.","start":238.57999,"end":242.355,"sentiment":"neutral","sentiment_score":-0.24489183138523782}],"sentiment":"neutral","sentiment_score":-0.24489183138523782,"channel":0,"num_words":14,"start":238.57999,"end":242.355},{"sentences":[{"text":"Yes.","start":242.79001,"end":243.29001,"sentiment":"neutral","sentiment_score":-0.08024965226650238}],"sentiment":"neutral","sentiment_score":-0.08024965226650238,"channel":1,"num_words":1,"start":242.79001,"end":243.29001},{"sentences":[{"text":"It was doing really well for many years up until sort of the end of last year, early this year, and then it's kinda been magnified with what's been happening globally there as","start":242.815,"end":252.175,"sentiment":"neutral","sentiment_score":-0.02079204074812658}],"sentiment":"neutral","sentiment_score":-0.02079204074812658,"channel":0,"num_words":33,"start":242.815,"end":252.175},{"sentences":[{"text":"Yeah.","start":252.05501,"end":252.55501,"sentiment":"neutral","sentiment_score":0.014299817383289335}],"sentiment":"neutral","sentiment_score":0.014299817383289335,"channel":1,"num_words":1,"start":252.05501,"end":252.55501},{"sentences":[{"text":"well.","start":252.175,"end":252.675,"sentiment":"neutral","sentiment_score":0.026225585490465164}],"sentiment":"neutral","sentiment_score":0.026225585490465164,"channel":0,"num_words":1,"start":252.175,"end":252.675},{"sentences":[{"text":"Yep.","start":252.695,"end":253.195,"sentiment":"neutral","sentiment_score":0.03049830161035061}],"sentiment":"neutral","sentiment_score":0.03049830161035061,"channel":1,"num_words":1,"start":252.695,"end":253.195},{"sentences":[{"text":"But other Australian equity investments aren't seeing the sort of issues that Ben Long are having, so I do wanna swap that out for you.","start":253.05501,"end":259.18,"sentiment":"neutral","sentiment_score":-0.0633957064896822}],"sentiment":"neutral","sentiment_score":-0.0633957064896822,"channel":0,"num_words":25,"start":253.05501,"end":259.18},{"sentences":[{"text":"Yep.","start":259.43,"end":259.93,"sentiment":"neutral","sentiment_score":0.04948732256889343}],"sentiment":"neutral","sentiment_score":0.04948732256889343,"channel":1,"num_words":1,"start":259.43,"end":259.93},{"sentences":[{"text":"I would do have a bit of an advice document.","start":259.64,"end":261.88,"sentiment":"neutral","sentiment_score":0.08438286036252976},{"text":"I've got a few options that I'm looking at with regard to swapping that out for you.","start":261.88,"end":266.54,"sentiment":"neutral","sentiment_score":0.10778991045320735},{"text":"I've","start":266.68,"end":266.84,"sentiment":"neutral","sentiment_score":0.097214937210083}],"sentiment":"neutral","sentiment_score":0.09905257209071092,"channel":0,"num_words":28,"start":259.64,"end":266.84},{"sentences":[{"text":"Yep.","start":266.79,"end":267.29,"sentiment":"neutral","sentiment_score":0.09657096117734908}],"sentiment":"neutral","sentiment_score":0.09657096117734908,"channel":1,"num_words":1,"start":266.79,"end":267.29},{"sentences":[{"text":"got a couple of active and passive management options we can look at.","start":266.84,"end":270.585,"sentiment":"neutral","sentiment_score":0.08647805079817772}],"sentiment":"neutral","sentiment_score":0.08647805079817772,"channel":0,"num_words":13,"start":266.84,"end":270.585},{"sentences":[{"text":"Yep.","start":270.975,"end":271.475,"sentiment":"neutral","sentiment_score":0.14766287803649902}],"sentiment":"neutral","sentiment_score":0.14766287803649902,"channel":1,"num_words":1,"start":270.975,"end":271.475},{"sentences":[{"text":"I just wanted to kinda get a feel for what your comfort level is.","start":270.985,"end":274.66498,"sentiment":"neutral","sentiment_score":0.20580841494458063},{"text":"So with Bannalong, it was meant to be more of an actively managed investment, so that it's an active manager.","start":274.66498,"end":279.88498,"sentiment":"neutral","sentiment_score":0.17980396375060081},{"text":"They're meant to be buying and selling and trying to outperform against the market.","start":280.025,"end":283.485,"sentiment":"neutral","sentiment_score":0.2282127152596201},{"text":"You can","start":283.91998,"end":284.32,"sentiment":"neutral","sentiment_score":0.1094140075147152}],"sentiment":"neutral","sentiment_score":0.19782406225800514,"channel":0,"num_words":50,"start":270.985,"end":284.32},{"sentences":[{"text":"Yep.","start":284.21,"end":284.71,"sentiment":"neutral","sentiment_score":0.09564517438411713}],"sentiment":"neutral","sentiment_score":0.09564517438411713,"channel":1,"num_words":1,"start":284.21,"end":284.71},{"sentences":[{"text":"pay a little bit more in the way of investment fees to have that kind of active manager in your portfolio.","start":284.32,"end":290.82,"sentiment":"neutral","sentiment_score":0.05897449542369161},{"text":"Did you want me to keep something as an active manager in there, or did you wanna look at something a bit more passive or low cost in in its place?","start":291.36,"end":298.725,"sentiment":"neutral","sentiment_score":0.03789546677181797},{"text":"What would you like me to look at?","start":298.725,"end":300.425,"sentiment":"neutral","sentiment_score":-0.02145263832062483}],"sentiment":"neutral","sentiment_score":0.03736004612098138,"channel":0,"num_words":60,"start":284.32,"end":300.425},{"sentences":[{"text":"I just want someone that's gonna make me money.","start":302.77502,"end":304.77502,"sentiment":"neutral","sentiment_score":-0.15814896507395637},{"text":"I shouldn't be like that.","start":304.77502,"end":306.155,"sentiment":"negative","sentiment_score":-0.34030806720256807}],"sentiment":"neutral","sentiment_score":-0.22320578726274626,"channel":1,"num_words":14,"start":302.77502,"end":306.155},{"sentences":[{"text":"No.","start":306.725,"end":307.04498,"sentiment":"neutral","sentiment_score":-0.2022002935409546},{"text":"You're fine.","start":307.04498,"end":307.76498,"sentiment":"neutral","sentiment_score":-0.08718094974756241},{"text":"We you work","start":307.76498,"end":308.645,"sentiment":"neutral","sentiment_score":-0.06742408126592636}],"sentiment":"neutral","sentiment_score":-0.09647240613897641,"channel":0,"num_words":6,"start":306.725,"end":308.645},{"sentences":[{"text":"Yeah.","start":308.59,"end":308.91,"sentiment":"neutral","sentiment_score":-0.14473915100097656}],"sentiment":"neutral","sentiment_score":-0.14473915100097656,"channel":1,"num_words":1,"start":308.59,"end":308.91},{"sentences":[{"text":"hard.","start":308.645,"end":308.965,"sentiment":"neutral","sentiment_score":-0.16405898332595825}],"sentiment":"neutral","sentiment_score":-0.16405898332595825,"channel":0,"num_words":1,"start":308.645,"end":308.965},{"sentences":[{"text":"I'm","start":308.91,"end":309.22998,"sentiment":"neutral","sentiment_score":-0.11052948236465454}],"sentiment":"neutral","sentiment_score":-0.11052948236465454,"channel":1,"num_words":1,"start":308.91,"end":309.22998},{"sentences":[{"text":"You deserve","start":308.965,"end":309.525,"sentiment":"neutral","sentiment_score":-0.21437662094831467}],"sentiment":"neutral","sentiment_score":-0.21437662094831467,"channel":0,"num_words":2,"start":308.965,"end":309.525},{"sentences":[{"text":"pretty upfront","start":309.22998,"end":309.87,"sentiment":"neutral","sentiment_score":-0.16520877927541733}],"sentiment":"neutral","sentiment_score":-0.16520877927541733,"channel":1,"num_words":2,"start":309.22998,"end":309.87},{"sentences":[{"text":"to make","start":309.525,"end":309.925,"sentiment":"neutral","sentiment_score":-0.12028823047876358}],"sentiment":"neutral","sentiment_score":-0.12028823047876358,"channel":0,"num_words":2,"start":309.525,"end":309.925},{"sentences":[{"text":"with","start":309.87,"end":310.11,"sentiment":"neutral","sentiment_score":-0.1646781861782074}],"sentiment":"neutral","sentiment_score":-0.1646781861782074,"channel":1,"num_words":1,"start":309.87,"end":310.11},{"sentences":[{"text":"money.","start":309.925,"end":310.425,"sentiment":"neutral","sentiment_score":-0.07089631259441376}],"sentiment":"neutral","sentiment_score":-0.07089631259441376,"channel":0,"num_words":1,"start":309.925,"end":310.425},{"sentences":[{"text":"that.","start":310.11,"end":310.35,"sentiment":"neutral","sentiment_score":-0.05840446054935455},{"text":"Yeah.","start":310.35,"end":310.85,"sentiment":"neutral","sentiment_score":-0.04385721683502197},{"text":"Yeah.","start":310.91,"end":311.38998,"sentiment":"neutral","sentiment_score":-0.07393746078014374},{"text":"I'm I'm pretty upfront with that.","start":311.38998,"end":312.66998,"sentiment":"neutral","sentiment_score":-0.10732957099874814},{"text":"I just wanna make money.","start":312.66998,"end":313.88998,"sentiment":"neutral","sentiment_score":-0.10048001110553742}],"sentiment":"neutral","sentiment_score":-0.09446975854890687,"channel":1,"num_words":14,"start":310.11,"end":313.88998},{"sentences":[{"text":"I don't","start":313.94998,"end":314.27,"sentiment":"neutral","sentiment_score":-0.2947678864002228}],"sentiment":"neutral","sentiment_score":-0.2947678864002228,"channel":1,"num_words":2,"start":313.94998,"end":314.27},{"sentences":[{"text":"Yeah.","start":314.21,"end":314.53,"sentiment":"neutral","sentiment_score":-0.1951454132795334}],"sentiment":"neutral","sentiment_score":-0.1951454132795334,"channel":0,"num_words":1,"start":314.21,"end":314.53},{"sentences":[{"text":"work for","start":314.27,"end":314.75,"sentiment":"neutral","sentiment_score":-0.2339935079216957}],"sentiment":"neutral","sentiment_score":-0.2339935079216957,"channel":1,"num_words":2,"start":314.27,"end":314.75},{"sentences":[{"text":"No.","start":314.53,"end":314.77,"sentiment":"neutral","sentiment_score":-0.11560364067554474}],"sentiment":"neutral","sentiment_score":-0.11560364067554474,"channel":0,"num_words":1,"start":314.53,"end":314.77},{"sentences":[{"text":"the","start":314.75,"end":314.83,"sentiment":"neutral","sentiment_score":0.007880125194787979}],"sentiment":"neutral","sentiment_score":0.007880125194787979,"channel":1,"num_words":1,"start":314.75,"end":314.83},{"sentences":[{"text":"That's","start":314.77,"end":315.27,"sentiment":"neutral","sentiment_score":0.0063494667410850525}],"sentiment":"neutral","sentiment_score":0.0063494667410850525,"channel":0,"num_words":1,"start":314.77,"end":315.27},{"sentences":[{"text":"front of it.","start":314.83,"end":315.65,"sentiment":"neutral","sentiment_score":0.006613308563828468}],"sentiment":"neutral","sentiment_score":0.006613308563828468,"channel":1,"num_words":3,"start":314.83,"end":315.65},{"sentences":[{"text":"no.","start":315.81,"end":316.05,"sentiment":"neutral","sentiment_score":-0.04791010916233063},{"text":"That's fine.","start":316.05,"end":316.77,"sentiment":"neutral","sentiment_score":0.017645198851823807},{"text":"I completely understand.","start":316.77,"end":317.99,"sentiment":"neutral","sentiment_score":0.16572992503643036},{"text":"That's not a problem at all.","start":318.13,"end":319.49,"sentiment":"neutral","sentiment_score":0.13397067412734032},{"text":"What I","start":319.49,"end":319.81,"sentiment":"neutral","sentiment_score":0.1594378650188446}],"sentiment":"neutral","sentiment_score":0.11480498846088137,"channel":0,"num_words":14,"start":315.81,"end":319.81},{"sentences":[{"text":"Yep.","start":319.78998,"end":320.28998,"sentiment":"neutral","sentiment_score":0.15912505984306335}],"sentiment":"neutral","sentiment_score":0.15912505984306335,"channel":1,"num_words":1,"start":319.78998,"end":320.28998},{"sentences":[{"text":"can look at doing for you, if you like, is realistically and look, active managers are good.","start":319.81,"end":323.81,"sentiment":"neutral","sentiment_score":0.20906363778254566},{"text":"They do do they do tend to do quite well.","start":323.81,"end":326.39,"sentiment":"positive","sentiment_score":0.344107112288475},{"text":"However, there's no guarantees they're gonna outperform against the market.","start":326.665,"end":329.785,"sentiment":"neutral","sentiment_score":0.12590854316949845},{"text":"So if you like, what I could maybe look at doing is something a bit more passive.","start":329.785,"end":333.48502,"sentiment":"neutral","sentiment_score":0.093367098885424},{"text":"Look at","start":333.865,"end":334.265,"sentiment":"neutral","sentiment_score":0.053675783798098564}],"sentiment":"neutral","sentiment_score":0.17765769009877527,"channel":0,"num_words":56,"start":319.81,"end":334.265},{"sentences":[{"text":"Yes.","start":334.185,"end":334.685,"sentiment":"neutral","sentiment_score":0.10970704257488252}],"sentiment":"neutral","sentiment_score":0.10970704257488252,"channel":1,"num_words":1,"start":334.185,"end":334.685},{"sentences":[{"text":"a passive manager that provides maybe more diversification to help manage risk","start":334.265,"end":338.185,"sentiment":"neutral","sentiment_score":0.10881520869831245}],"sentiment":"neutral","sentiment_score":0.10881520869831245,"channel":0,"num_words":12,"start":334.265,"end":338.185},{"sentences":[{"text":"Yep.","start":337.95,"end":338.45,"sentiment":"neutral","sentiment_score":0.14767923951148987}],"sentiment":"neutral","sentiment_score":0.14767923951148987,"channel":1,"num_words":1,"start":337.95,"end":338.45},{"sentences":[{"text":"a little bit more, look at how that performs, but also look at maybe reducing some of the investment fees for you as well.","start":338.185,"end":344.02,"sentiment":"neutral","sentiment_score":0.13221930370976528},{"text":"Does that sound like a good idea?","start":344.02,"end":345.72,"sentiment":"neutral","sentiment_score":0.2179578116961888}],"sentiment":"neutral","sentiment_score":0.15157961196476413,"channel":0,"num_words":31,"start":338.185,"end":345.72},{"sentences":[{"text":"Yep.","start":346.11,"end":346.61,"sentiment":"neutral","sentiment_score":0.10959094762802124},{"text":"Yep.","start":346.67,"end":347.17,"sentiment":"neutral","sentiment_score":0.12288879603147508}],"sentiment":"neutral","sentiment_score":0.11623987182974815,"channel":1,"num_words":2,"start":346.11,"end":347.17},{"sentences":[{"text":"Yep.","start":347.06,"end":347.56,"sentiment":"neutral","sentiment_score":0.18101143836975095}],"sentiment":"neutral","sentiment_score":0.18101143836975095,"channel":0,"num_words":1,"start":347.06,"end":347.56},{"sentences":[{"text":"Let's","start":348.67,"end":348.99,"sentiment":"neutral","sentiment_score":0.3095521926879883}],"sentiment":"neutral","sentiment_score":0.3095521926879883,"channel":1,"num_words":1,"start":348.67,"end":348.99},{"sentences":[{"text":"All","start":348.9,"end":349.22,"sentiment":"positive","sentiment_score":0.41710761189460754}],"sentiment":"positive","sentiment_score":0.41710761189460754,"channel":0,"num_words":1,"start":348.9,"end":349.22},{"sentences":[{"text":"do","start":348.99,"end":349.23,"sentiment":"positive","sentiment_score":0.4592142701148987}],"sentiment":"positive","sentiment_score":0.4592142701148987,"channel":1,"num_words":1,"start":348.99,"end":349.23},{"sentences":[{"text":"good.","start":349.22,"end":349.72,"sentiment":"positive","sentiment_score":0.4503281116485596}],"sentiment":"positive","sentiment_score":0.4503281116485596,"channel":0,"num_words":1,"start":349.22,"end":349.72},{"sentences":[{"text":"that.","start":349.23,"end":349.73,"sentiment":"neutral","sentiment_score":0.2726772725582123}],"sentiment":"neutral","sentiment_score":0.2726772725582123,"channel":1,"num_words":1,"start":349.23,"end":349.73},{"sentences":[{"text":"No worries.","start":350.1,"end":350.74,"sentiment":"neutral","sentiment_score":0.18123529851436615},{"text":"I've got a couple of options I'm looking at.","start":350.74,"end":352.66,"sentiment":"neutral","sentiment_score":0.1232291493150923},{"text":"I'll go back and just sort of review them more, look at how they work with the portfolio, look at what sort of fee savings it might help you out with.","start":352.66,"end":360.945,"sentiment":"neutral","sentiment_score":0.1466052529792632},{"text":"The other thing I do look at is obviously the capital gains consequences.","start":361.645,"end":365.185,"sentiment":"neutral","sentiment_score":0.043669390850342236},{"text":"So your super fund, like you you do every year, does a tax return.","start":365.405,"end":369.185,"sentiment":"neutral","sentiment_score":0.055066190260861604}],"sentiment":"neutral","sentiment_score":0.10659310910040917,"channel":0,"num_words":69,"start":350.1,"end":369.185},{"sentences":[{"text":"So any,","start":369.65,"end":370.12997,"sentiment":"neutral","sentiment_score":0.030873713083565235}],"sentiment":"neutral","sentiment_score":0.030873713083565235,"channel":0,"num_words":2,"start":369.65,"end":370.12997},{"sentences":[{"text":"Yep.","start":369.9,"end":370.4,"sentiment":"neutral","sentiment_score":0.026205360889434814}],"sentiment":"neutral","sentiment_score":0.026205360889434814,"channel":1,"num_words":1,"start":369.9,"end":370.4},{"sentences":[{"text":"you know, changes to investments and switches and things does have a tax consequence for your funds.","start":370.12997,"end":375.16998,"sentiment":"neutral","sentiment_score":-0.00472572139080833},{"text":"So I'll go back","start":375.16998,"end":375.81,"sentiment":"neutral","sentiment_score":0.02478414587676525}],"sentiment":"neutral","sentiment_score":0.0008952057077771141,"channel":0,"num_words":21,"start":370.12997,"end":375.81},{"sentences":[{"text":"Mhmm.","start":375.74,"end":376.24,"sentiment":"neutral","sentiment_score":0.03146979957818985}],"sentiment":"neutral","sentiment_score":0.03146979957818985,"channel":1,"num_words":1,"start":375.74,"end":376.24},{"sentences":[{"text":"and review that.","start":375.81,"end":376.94998,"sentiment":"neutral","sentiment_score":0.03385734558105469},{"text":"I'll update the advice for you.","start":377.49,"end":379.72998,"sentiment":"neutral","sentiment_score":0.07657238344351451},{"text":"I'll just do an investment switch advice document to make it easier for you,","start":379.72998,"end":383.655,"sentiment":"neutral","sentiment_score":0.10020045563578606}],"sentiment":"neutral","sentiment_score":0.08538316157848938,"channel":0,"num_words":23,"start":375.81,"end":383.655},{"sentences":[{"text":"Yep.","start":383.945,"end":384.445,"sentiment":"neutral","sentiment_score":0.0902918428182602}],"sentiment":"neutral","sentiment_score":0.0902918428182602,"channel":1,"num_words":1,"start":383.945,"end":384.445},{"sentences":[{"text":"and I'll outline the advantages and disadvantages, what we're gonna replace, and, obviously, the changes in the fees and any CGT consequence that might be might be as a result of the switch for you.","start":384.135,"end":394.535,"sentiment":"neutral","sentiment_score":0.05287617248083864},{"text":"Does that sound","start":394.535,"end":395.255,"sentiment":"neutral","sentiment_score":0.06537019461393356}],"sentiment":"neutral","sentiment_score":0.05386254264924087,"channel":0,"num_words":38,"start":384.135,"end":395.255},{"sentences":[{"text":"Yeah.","start":394.98502,"end":395.305,"sentiment":"neutral","sentiment_score":0.05582364276051521}],"sentiment":"neutral","sentiment_score":0.05582364276051521,"channel":1,"num_words":1,"start":394.98502,"end":395.305},{"sentences":[{"text":"okay?","start":395.255,"end":395.755,"sentiment":"neutral","sentiment_score":0.059539277106523514}],"sentiment":"neutral","sentiment_score":0.059539277106523514,"channel":0,"num_words":1,"start":395.255,"end":395.755},{"sentences":[{"text":"You're right.","start":395.305,"end":395.865,"sentiment":"neutral","sentiment_score":0.0836886316537857},{"text":"Yep.","start":395.865,"end":396.365,"sentiment":"neutral","sentiment_score":0.06998065114021301}],"sentiment":"neutral","sentiment_score":0.07911930481592815,"channel":1,"num_words":3,"start":395.305,"end":396.365},{"sentences":[{"text":"Yes?","start":396.215,"end":396.715,"sentiment":"neutral","sentiment_score":0.08442023396492004}],"sentiment":"neutral","sentiment_score":0.08442023396492004,"channel":0,"num_words":1,"start":396.215,"end":396.715},{"sentences":[{"text":"Sounds","start":397.13,"end":397.45,"sentiment":"positive","sentiment_score":0.3767988383769989}],"sentiment":"positive","sentiment_score":0.3767988383769989,"channel":1,"num_words":1,"start":397.13,"end":397.45},{"sentences":[{"text":"Beautiful.","start":397.175,"end":397.675,"sentiment":"positive","sentiment_score":0.5747900605201721}],"sentiment":"positive","sentiment_score":0.5747900605201721,"channel":0,"num_words":1,"start":397.175,"end":397.675},{"sentences":[{"text":"good.","start":397.45,"end":397.95,"sentiment":"positive","sentiment_score":0.5565563440322876}],"sentiment":"positive","sentiment_score":0.5565563440322876,"channel":1,"num_words":1,"start":397.45,"end":397.95},{"sentences":[{"text":"Excellent.","start":398.67,"end":399.17,"sentiment":"positive","sentiment_score":0.6035502552986145},{"text":"Lovely.","start":399.31,"end":399.81,"sentiment":"positive","sentiment_score":0.4549181461334229}],"sentiment":"positive","sentiment_score":0.5292342007160187,"channel":0,"num_words":2,"start":398.67,"end":399.81},{"sentences":[{"text":"So that 11 and a half percent, so that was made for the last twelve months,","start":399.77002,"end":404.03,"sentiment":"neutral","sentiment_score":0.055342127569019794}],"sentiment":"neutral","sentiment_score":0.055342127569019794,"channel":1,"num_words":16,"start":399.77002,"end":404.03},{"sentences":[{"text":"Mhmm.","start":404.35,"end":404.85,"sentiment":"neutral","sentiment_score":0.03055962547659874}],"sentiment":"neutral","sentiment_score":0.03055962547659874,"channel":0,"num_words":1,"start":404.35,"end":404.85},{"sentences":[{"text":"is that net of your fees?","start":405.05002,"end":407.37,"sentiment":"neutral","sentiment_score":0.012029930173108975},{"text":"Like, is that your","start":407.37,"end":408.57,"sentiment":"neutral","sentiment_score":0.010263016913086176}],"sentiment":"neutral","sentiment_score":0.011323164869099855,"channel":1,"num_words":10,"start":405.05002,"end":408.57},{"sentences":[{"text":"It is","start":408.35,"end":409.01,"sentiment":"neutral","sentiment_score":-0.00044610537588596344}],"sentiment":"neutral","sentiment_score":-0.00044610537588596344,"channel":0,"num_words":2,"start":408.35,"end":409.01},{"sentences":[{"text":"fees?","start":408.57,"end":409.07,"sentiment":"neutral","sentiment_score":0.004219936206936836}],"sentiment":"neutral","sentiment_score":0.004219936206936836,"channel":1,"num_words":1,"start":408.57,"end":409.07},{"sentences":[{"text":"yes.","start":409.47,"end":409.87,"sentiment":"neutral","sentiment_score":0.007885058410465717},{"text":"No.","start":409.87,"end":410.11002,"sentiment":"neutral","sentiment_score":-0.009512175805866718}],"sentiment":"neutral","sentiment_score":-0.0008135586977005005,"channel":0,"num_words":2,"start":409.47,"end":410.11002},{"sentences":[{"text":"Yep.","start":409.93,"end":410.25,"sentiment":"neutral","sentiment_score":0.013070408254861832}],"sentiment":"neutral","sentiment_score":0.013070408254861832,"channel":1,"num_words":1,"start":409.93,"end":410.25},{"sentences":[{"text":"That's","start":410.11002,"end":410.51,"sentiment":"neutral","sentiment_score":0.015065178275108336}],"sentiment":"neutral","sentiment_score":0.015065178275108336,"channel":0,"num_words":1,"start":410.11002,"end":410.51},{"sentences":[{"text":"That","start":410.25,"end":410.75,"sentiment":"neutral","sentiment_score":0.01775822974741459}],"sentiment":"neutral","sentiment_score":0.01775822974741459,"channel":1,"num_words":1,"start":410.25,"end":410.75},{"sentences":[{"text":"net of all fees, including our ongoing service fee.","start":410.51,"end":413.23,"sentiment":"neutral","sentiment_score":0.023603419876760907},{"text":"Correct.","start":413.23,"end":413.63,"sentiment":"neutral","sentiment_score":0.05179545283317566},{"text":"Yeah.","start":413.63,"end":414.13,"sentiment":"neutral","sentiment_score":0.04570244997739792}],"sentiment":"neutral","sentiment_score":0.02817533470012925,"channel":0,"num_words":11,"start":410.51,"end":414.13},{"sentences":[{"text":"yeah.","start":414.215,"end":414.615,"sentiment":"neutral","sentiment_score":0.04459333419799805},{"text":"Righto.","start":414.615,"end":414.935,"sentiment":"neutral","sentiment_score":0.05086168274283409},{"text":"So that's with your fees","start":414.935,"end":415.975,"sentiment":"neutral","sentiment_score":0.04382628798484802}],"sentiment":"neutral","sentiment_score":0.044940922409296036,"channel":1,"num_words":7,"start":414.215,"end":415.975},{"sentences":[{"text":"Yep.","start":415.685,"end":416.185,"sentiment":"neutral","sentiment_score":0.056805383414030075}],"sentiment":"neutral","sentiment_score":0.056805383414030075,"channel":0,"num_words":1,"start":415.685,"end":416.185},{"sentences":[{"text":"taken out.","start":415.975,"end":416.79498,"sentiment":"neutral","sentiment_score":0.06617983989417553}],"sentiment":"neutral","sentiment_score":0.06617983989417553,"channel":1,"num_words":2,"start":415.975,"end":416.79498},{"sentences":[{"text":"Absolutely.","start":417.36502,"end":417.86502,"sentiment":"neutral","sentiment_score":0.1799013316631317},{"text":"Yeah.","start":418.08502,"end":418.48502,"sentiment":"neutral","sentiment_score":0.12827131152153015}],"sentiment":"neutral","sentiment_score":0.15408632159233093,"channel":0,"num_words":2,"start":417.36502,"end":418.48502},{"sentences":[{"text":"Yeah.","start":418.29498,"end":418.615,"sentiment":"neutral","sentiment_score":0.1550692468881607}],"sentiment":"neutral","sentiment_score":0.1550692468881607,"channel":1,"num_words":1,"start":418.29498,"end":418.615},{"sentences":[{"text":"Definitely.","start":418.48502,"end":418.98502,"sentiment":"neutral","sentiment_score":0.17513315379619598}],"sentiment":"neutral","sentiment_score":0.17513315379619598,"channel":0,"num_words":1,"start":418.48502,"end":418.98502},{"sentences":[{"text":"Righto.","start":418.615,"end":419.115,"sentiment":"neutral","sentiment_score":0.07438212633132935},{"text":"Yep.","start":419.41498,"end":419.91498,"sentiment":"neutral","sentiment_score":0.06183091923594475}],"sentiment":"neutral","sentiment_score":0.06810652278363705,"channel":1,"num_words":2,"start":418.615,"end":419.91498},{"sentences":[{"text":"Yeah.","start":419.525,"end":420.025,"sentiment":"neutral","sentiment_score":0.22704702615737915}],"sentiment":"neutral","sentiment_score":0.22704702615737915,"channel":0,"num_words":1,"start":419.525,"end":420.025},{"sentences":[{"text":"Beautiful.","start":419.975,"end":420.475,"sentiment":"positive","sentiment_score":0.5031089782714844},{"text":"Yeah.","start":420.85498,"end":421.095,"sentiment":"neutral","sentiment_score":0.2913641929626465},{"text":"Righto.","start":421.095,"end":421.595,"sentiment":"positive","sentiment_score":0.3382890820503235}],"sentiment":"positive","sentiment_score":0.3775874177614848,"channel":1,"num_words":3,"start":419.975,"end":421.595},{"sentences":[{"text":"All good.","start":421.125,"end":421.945,"sentiment":"positive","sentiment_score":0.4435574859380722},{"text":"No.","start":422.405,"end":422.64502,"sentiment":"neutral","sentiment_score":0.23190277814865112}],"sentiment":"positive","sentiment_score":0.3730059166749318,"channel":0,"num_words":3,"start":421.125,"end":422.64502},{"sentences":[{"text":"Nice.","start":422.535,"end":423.035,"sentiment":"positive","sentiment_score":0.4301832318305969}],"sentiment":"positive","sentiment_score":0.4301832318305969,"channel":1,"num_words":1,"start":422.535,"end":423.035},{"sentences":[{"text":"That's a good easy easy done.","start":422.64502,"end":424.905,"sentiment":"positive","sentiment_score":0.5902810096740723},{"text":"We","start":425.045,"end":425.285,"sentiment":"neutral","sentiment_score":0.07131992280483246}],"sentiment":"positive","sentiment_score":0.5161437115498951,"channel":0,"num_words":7,"start":422.64502,"end":425.285},{"sentences":[{"text":"Have","start":425.24002,"end":425.56,"sentiment":"neutral","sentiment_score":0.02589789032936096}],"sentiment":"neutral","sentiment_score":0.02589789032936096,"channel":1,"num_words":1,"start":425.24002,"end":425.56},{"sentences":[{"text":"certainly","start":425.285,"end":425.605,"sentiment":"neutral","sentiment_score":-0.003383234143257141}],"sentiment":"neutral","sentiment_score":-0.003383234143257141,"channel":0,"num_words":1,"start":425.285,"end":425.605},{"sentences":[{"text":"you","start":425.56,"end":425.88,"sentiment":"neutral","sentiment_score":-0.02230247482657433}],"sentiment":"neutral","sentiment_score":-0.02230247482657433,"channel":1,"num_words":1,"start":425.56,"end":425.88},{"sentences":[{"text":"hope it doesn't you're right.","start":425.605,"end":427.045,"sentiment":"neutral","sentiment_score":-0.08228032626211643},{"text":"Sorry.","start":427.045,"end":427.545,"sentiment":"neutral","sentiment_score":-0.07277049869298935}],"sentiment":"neutral","sentiment_score":-0.08069535500059526,"channel":0,"num_words":6,"start":425.605,"end":427.545},{"sentences":[{"text":"I'm sorry.","start":427.16,"end":427.88,"sentiment":"neutral","sentiment_score":-0.054654017090797424},{"text":"Have you got a, like, a since I've joined you, have you got an average of what I've made?","start":427.88,"end":434.14,"sentiment":"neutral","sentiment_score":-0.01569951850136644},{"text":"Does that make sense?","start":434.28,"end":435.42,"sentiment":"neutral","sentiment_score":-0.0051645414205268025}],"sentiment":"neutral","sentiment_score":-0.017130282055586577,"channel":1,"num_words":25,"start":427.16,"end":435.42},{"sentences":[{"text":"Yeah.","start":435.67,"end":436.07,"sentiment":"neutral","sentiment_score":0.023752260953187943},{"text":"I absolutely","start":436.07,"end":436.81,"sentiment":"neutral","sentiment_score":0.03719671256840229}],"sentiment":"neutral","sentiment_score":0.03271522869666418,"channel":0,"num_words":3,"start":435.67,"end":436.81},{"sentences":[{"text":"For the last","start":436.545,"end":437.36502,"sentiment":"neutral","sentiment_score":0.02315658579270045}],"sentiment":"neutral","sentiment_score":0.02315658579270045,"channel":1,"num_words":3,"start":436.545,"end":437.36502},{"sentences":[{"text":"do.","start":437.03,"end":437.53,"sentiment":"neutral","sentiment_score":0.03869399428367615}],"sentiment":"neutral","sentiment_score":0.03869399428367615,"channel":0,"num_words":1,"start":437.03,"end":437.53},{"sentences":[{"text":"I think it's been, yeah, three three to four years, maybe three years.","start":437.825,"end":441.045,"sentiment":"neutral","sentiment_score":0.0071736863599373745}],"sentiment":"neutral","sentiment_score":0.0071736863599373745,"channel":1,"num_words":13,"start":437.825,"end":441.045},{"sentences":[{"text":"Yep.","start":441.35,"end":441.67,"sentiment":"neutral","sentiment_score":0.04306921362876892},{"text":"Sure do.","start":441.67,"end":442.23,"sentiment":"neutral","sentiment_score":0.08035027980804443},{"text":"So it's almost three years here at the moment there.","start":442.23,"end":444.945,"sentiment":"neutral","sentiment_score":0.036715939082205294},{"text":"And when","start":445.025,"end":445.345,"sentiment":"neutral","sentiment_score":0.04084047116339207}],"sentiment":"neutral","sentiment_score":0.04350734042624633,"channel":0,"num_words":15,"start":441.35,"end":445.345},{"sentences":[{"text":"Yep.","start":445.185,"end":445.685,"sentiment":"neutral","sentiment_score":0.051238059997558594}],"sentiment":"neutral","sentiment_score":0.051238059997558594,"channel":1,"num_words":1,"start":445.185,"end":445.685},{"sentences":[{"text":"I look at the return net, you've made 34.79%.","start":445.345,"end":450.70502,"sentiment":"neutral","sentiment_score":0.06823628519972165},{"text":"So it's averaged a compounded rate of return of 11.59 per","start":450.70502,"end":455.125,"sentiment":"neutral","sentiment_score":0.06026104295795614}],"sentiment":"neutral","sentiment_score":0.06384990196675062,"channel":0,"num_words":20,"start":445.345,"end":455.125},{"sentences":[{"text":"Yeah.","start":455.6,"end":455.91998,"sentiment":"neutral","sentiment_score":0.06503939628601074},{"text":"Righto.","start":455.91998,"end":456.41998,"sentiment":"neutral","sentiment_score":0.0819888710975647},{"text":"Yep.","start":456.47998,"end":456.97998,"sentiment":"neutral","sentiment_score":0.07996642589569092}],"sentiment":"neutral","sentiment_score":0.07566489775975545,"channel":1,"num_words":3,"start":455.6,"end":456.97998},{"sentences":[{"text":"year.","start":456.70502,"end":457.025,"sentiment":"neutral","sentiment_score":0.07319268584251404},{"text":"Yeah.","start":457.025,"end":457.525,"sentiment":"neutral","sentiment_score":0.09557840973138808},{"text":"And I've actually got the dollar figure here for you as well.","start":458.13,"end":460.37,"sentiment":"neutral","sentiment_score":0.10396007200082143},{"text":"It's about a 100","start":460.37,"end":461.25,"sentiment":"neutral","sentiment_score":0.07313700579106808}],"sentiment":"neutral","sentiment_score":0.09493555459711286,"channel":0,"num_words":18,"start":456.70502,"end":461.25},{"sentences":[{"text":"Yeah.","start":460.995,"end":461.495,"sentiment":"neutral","sentiment_score":0.06923343241214752}],"sentiment":"neutral","sentiment_score":0.06923343241214752,"channel":1,"num_words":1,"start":460.995,"end":461.495},{"sentences":[{"text":"and 35,000 that you've made in earnings.","start":461.25,"end":464.93,"sentiment":"neutral","sentiment_score":0.09034285321831703},{"text":"That's growth and income over the past three years, and that's net of fees as well.","start":464.93,"end":470.13,"sentiment":"neutral","sentiment_score":0.1078568883240223},{"text":"So,","start":470.13,"end":470.44998,"sentiment":"neutral","sentiment_score":0.1688445508480072}],"sentiment":"neutral","sentiment_score":0.1052897806900243,"channel":0,"num_words":24,"start":461.25,"end":470.44998},{"sentences":[{"text":"Yep.","start":470.435,"end":470.935,"sentiment":"neutral","sentiment_score":0.2145269811153412}],"sentiment":"neutral","sentiment_score":0.2145269811153412,"channel":1,"num_words":1,"start":470.435,"end":470.935},{"sentences":[{"text":"yeah, it's done really well.","start":470.44998,"end":471.65,"sentiment":"positive","sentiment_score":0.3972977101802826},{"text":"Happy with that.","start":471.65,"end":472.71,"sentiment":"positive","sentiment_score":0.4251733918984731}],"sentiment":"positive","sentiment_score":0.40775109082460403,"channel":0,"num_words":8,"start":470.44998,"end":472.71},{"sentences":[{"text":"No.","start":472.995,"end":473.235,"sentiment":"neutral","sentiment_score":0.14045245945453644},{"text":"That's good.","start":473.235,"end":474.055,"sentiment":"neutral","sentiment_score":0.20278722792863846}],"sentiment":"neutral","sentiment_score":0.18200897177060446,"channel":1,"num_words":3,"start":472.995,"end":474.055},{"sentences":[{"text":"Easy.","start":474.545,"end":475.045,"sentiment":"neutral","sentiment_score":0.2918983995914459},{"text":"Perfect.","start":475.90503,"end":476.385,"sentiment":"positive","sentiment_score":0.508648157119751}],"sentiment":"positive","sentiment_score":0.40027327835559845,"channel":0,"num_words":2,"start":474.545,"end":476.385},{"sentences":[{"text":"Very good.","start":475.92,"end":476.82,"sentiment":"positive","sentiment_score":0.42997679114341736}],"sentiment":"positive","sentiment_score":0.42997679114341736,"channel":1,"num_words":2,"start":475.92,"end":476.82},{"sentences":[{"text":"So I'll make sure that these documents are attached in that annual review pack there for you.","start":476.385,"end":480.70502,"sentiment":"neutral","sentiment_score":0.14446041995988174},{"text":"If you find you have additional questions, let me know.","start":480.70502,"end":482.785,"sentiment":"neutral","sentiment_score":0.07490450702607632},{"text":"But I'm personally really happy with how things have gone for VDE.","start":482.785,"end":486.24503,"sentiment":"positive","sentiment_score":0.3438589995106061},{"text":"It is really important I do note, though, that we have seen a bit of volatility this year.","start":486.71002,"end":490.71002,"sentiment":"neutral","sentiment_score":-0.11997403639058273},{"text":"We do not know what's gonna happen next year.","start":490.71002,"end":492.79,"sentiment":"neutral","sentiment_score":-0.18291705515649584}],"sentiment":"neutral","sentiment_score":0.05341506139798598,"channel":0,"num_words":66,"start":476.385,"end":492.79},{"sentences":[{"text":"We have certainly been speaking to some of the economists out there to see what's been going on, what they expect to happen.","start":492.79,"end":499.37003,"sentiment":"neutral","sentiment_score":-0.106536240681358},{"text":"Unfortunately, inflation is expected to kind of have a bit of an increase over the next few months as well.","start":499.67,"end":505.045,"sentiment":"neutral","sentiment_score":-0.2153918944299221}],"sentiment":"neutral","sentiment_score":-0.15716677730859713,"channel":0,"num_words":43,"start":492.79,"end":505.045},{"sentences":[{"text":"Yep.","start":505.495,"end":505.86,"sentiment":"neutral","sentiment_score":-0.061638243496418}],"sentiment":"neutral","sentiment_score":-0.061638243496418,"channel":1,"num_words":1,"start":505.495,"end":505.86},{"sentences":[{"text":"I don't really like the idea of that.","start":505.905,"end":507.845,"sentiment":"neutral","sentiment_score":-0.22514125891029835},{"text":"But if there is a bit of an increase to inflationary pressures, it does mean that we could see some more volatility in the market.","start":508.46503,"end":515.125,"sentiment":"neutral","sentiment_score":-0.14386057555675508}],"sentiment":"neutral","sentiment_score":-0.16356498364246252,"channel":0,"num_words":33,"start":505.905,"end":515.125},{"sentences":[{"text":"Yep.","start":515.54,"end":516.04,"sentiment":"neutral","sentiment_score":0.040519725531339645}],"sentiment":"neutral","sentiment_score":0.040519725531339645,"channel":1,"num_words":1,"start":515.54,"end":516.04},{"sentences":[{"text":"But, overall, you've done really well.","start":516.23,"end":518.23,"sentiment":"neutral","sentiment_score":0.2473031555612882},{"text":"So the other","start":518.23,"end":518.71,"sentiment":"neutral","sentiment_score":0.046786836038033165}],"sentiment":"neutral","sentiment_score":0.18046438238686985,"channel":0,"num_words":9,"start":516.23,"end":518.71},{"sentences":[{"text":"Yeah.","start":518.66,"end":519.16,"sentiment":"neutral","sentiment_score":0.03845776244997978}],"sentiment":"neutral","sentiment_score":0.03845776244997978,"channel":1,"num_words":1,"start":518.66,"end":519.16},{"sentences":[{"text":"thing to kinda point out, and just to make sure that I'm being open and honest with you, is as your balance increases remaining in that high growth environment there, you will","start":518.71,"end":527.19,"sentiment":"neutral","sentiment_score":0.04623165063094348}],"sentiment":"neutral","sentiment_score":0.04623165063094348,"channel":0,"num_words":32,"start":518.71,"end":527.19},{"sentences":[{"text":"Mhmm.","start":527.135,"end":527.635,"sentiment":"neutral","sentiment_score":0.008192452602088451}],"sentiment":"neutral","sentiment_score":0.008192452602088451,"channel":1,"num_words":1,"start":527.135,"end":527.635},{"sentences":[{"text":"notice that smaller fluctuations feel a lot bigger on your super balance.","start":527.19,"end":531.33496,"sentiment":"neutral","sentiment_score":0.18030597642064095},{"text":"And in the shorter term, if we see those, you know, fluctuations continue, a one or two or 3% change in your portfolio, you might feel that in the short term a little bit.","start":531.33496,"end":541.175,"sentiment":"neutral","sentiment_score":-0.0742313532049165},{"text":"So","start":541.175,"end":541.675,"sentiment":"neutral","sentiment_score":0.08623937517404556}],"sentiment":"neutral","sentiment_score":-0.0058288280158600905,"channel":0,"num_words":47,"start":527.19,"end":541.675},{"sentences":[{"text":"Yep.","start":541.57,"end":542.07,"sentiment":"neutral","sentiment_score":0.09525271505117416}],"sentiment":"neutral","sentiment_score":0.09525271505117416,"channel":1,"num_words":1,"start":541.57,"end":542.07},{"sentences":[{"text":"please reach out if you are concerned or have any questions in relation to it, but I just want to make sure that everyone who is in that high growth environment does kind of is aware that, you know, reductions or pullbacks in the performance or in the in the market in the short term does affect everybody, but it's about waiting through those downtimes and coming out","start":541.79004,"end":561.505,"sentiment":"neutral","sentiment_score":0.018503051593571025}],"sentiment":"neutral","sentiment_score":0.018503051593571025,"channel":0,"num_words":68,"start":541.79004,"end":561.505},{"sentences":[{"text":"Yeah.","start":561.345,"end":561.845,"sentiment":"neutral","sentiment_score":-0.03238717466592789}],"sentiment":"neutral","sentiment_score":-0.03238717466592789,"channel":1,"num_words":1,"start":561.345,"end":561.845},{"sentences":[{"text":"on the other side there.","start":561.505,"end":562.78503,"sentiment":"neutral","sentiment_score":-0.020979584380984306},{"text":"And if","start":562.78503,"end":563.185,"sentiment":"neutral","sentiment_score":-0.004318535327911377}],"sentiment":"neutral","sentiment_score":-0.0162192846515349,"channel":0,"num_words":7,"start":561.505,"end":563.185},{"sentences":[{"text":"Yep.","start":563.105,"end":563.605,"sentiment":"neutral","sentiment_score":0.0004905834794044495}],"sentiment":"neutral","sentiment_score":0.0004905834794044495,"channel":1,"num_words":1,"start":563.105,"end":563.605},{"sentences":[{"text":"you ever find you're not comfortable being in that kind of high growth environment, please do let me know.","start":563.185,"end":567.585,"sentiment":"neutral","sentiment_score":-0.18218566202803663},{"text":"I'm more than happy to talk you through it or reassess that level with you as well.","start":567.585,"end":571.55,"sentiment":"positive","sentiment_score":0.3785017614855486},{"text":"Okay?","start":571.61,"end":572.11,"sentiment":"neutral","sentiment_score":0.06598927080631256}],"sentiment":"neutral","sentiment_score":0.08213490912237682,"channel":0,"num_words":37,"start":563.185,"end":572.11},{"sentences":[{"text":"Yeah.","start":571.83997,"end":572.33997,"sentiment":"neutral","sentiment_score":0.002681933343410492},{"text":"Probably just at this stage, like, I am only still, what, 36, 10 towards 37.","start":572.63995,"end":577.93994,"sentiment":"neutral","sentiment_score":-0.060838459183772405}],"sentiment":"neutral","sentiment_score":-0.056868434650823474,"channel":1,"num_words":16,"start":571.83997,"end":577.93994},{"sentences":[{"text":"Absolutely.","start":578.00995,"end":578.50995,"sentiment":"neutral","sentiment_score":0.10175926983356476}],"sentiment":"neutral","sentiment_score":0.10175926983356476,"channel":0,"num_words":1,"start":578.00995,"end":578.50995},{"sentences":[{"text":"I think I'm still young enough really to stay high growth.","start":578.295,"end":583.27496,"sentiment":"neutral","sentiment_score":0.10272909904068167},{"text":"Like, I","start":583.495,"end":583.975,"sentiment":"neutral","sentiment_score":-0.00044576916843652725}],"sentiment":"neutral","sentiment_score":0.08685604239312503,"channel":1,"num_words":13,"start":578.295,"end":583.975},{"sentences":[{"text":"Yeah.","start":583.835,"end":584.335,"sentiment":"neutral","sentiment_score":-0.06366485357284546}],"sentiment":"neutral","sentiment_score":-0.06366485357284546,"channel":0,"num_words":1,"start":583.835,"end":584.335},{"sentences":[{"text":"still got a long time of work, unfortunately.","start":583.975,"end":586.555,"sentiment":"neutral","sentiment_score":-0.1722621861845255}],"sentiment":"neutral","sentiment_score":-0.1722621861845255,"channel":1,"num_words":8,"start":583.975,"end":586.555},{"sentences":[{"text":"Yeah.","start":586.155,"end":586.655,"sentiment":"neutral","sentiment_score":-0.05376284569501877},{"text":"Absolutely.","start":589.195,"end":589.435,"sentiment":"neutral","sentiment_score":-0.05832786113023758},{"text":"Look.","start":589.435,"end":589.67505,"sentiment":"neutral","sentiment_score":-0.13629665970802307},{"text":"It's it's a positive and a negative.","start":589.67505,"end":591.455,"sentiment":"neutral","sentiment_score":-0.22723668813705444},{"text":"A long time","start":591.59503,"end":592.155,"sentiment":"neutral","sentiment_score":-0.11051299174626668}],"sentiment":"neutral","sentiment_score":-0.16696793528703543,"channel":0,"num_words":13,"start":586.155,"end":592.155},{"sentences":[{"text":"Yes.","start":592.135,"end":592.47,"sentiment":"neutral","sentiment_score":-0.054534751921892166}],"sentiment":"neutral","sentiment_score":-0.054534751921892166,"channel":1,"num_words":1,"start":592.135,"end":592.47},{"sentences":[{"text":"of work means you've gotta do more work, unfortunately.","start":592.155,"end":594.655,"sentiment":"neutral","sentiment_score":-0.09905566471732324},{"text":"However, you do have a lot more time to allow your portfolio to come pan for longer, so it's absolutely fine.","start":594.875,"end":600.28,"sentiment":"neutral","sentiment_score":0.05348636617972737}],"sentiment":"neutral","sentiment_score":0.0077237569106121855,"channel":0,"num_words":30,"start":592.155,"end":600.28},{"sentences":[{"text":"Yes.","start":600.70996,"end":601.20996,"sentiment":"neutral","sentiment_score":0.05252760648727417}],"sentiment":"neutral","sentiment_score":0.05252760648727417,"channel":1,"num_words":1,"start":600.70996,"end":601.20996},{"sentences":[{"text":"I just like to sort of bring those things up because I am sort of finding this year a lot of people who, you know, the last few years have wanted to say high growth this year, have been have been a little bit more nervous about it.","start":600.82,"end":610.42,"sentiment":"neutral","sentiment_score":-0.0039020851254463196},{"text":"So I've been having","start":610.42,"end":611.22003,"sentiment":"neutral","sentiment_score":0.23665814101696014}],"sentiment":"neutral","sentiment_score":0.014602547654738793,"channel":0,"num_words":52,"start":600.82,"end":611.22003},{"sentences":[{"text":"Yep.","start":611.075,"end":611.575,"sentiment":"positive","sentiment_score":0.34064024686813354}],"sentiment":"positive","sentiment_score":0.34064024686813354,"channel":1,"num_words":1,"start":611.075,"end":611.575},{"sentences":[{"text":"a lot of very honest conversations with people from all works walks of life as well.","start":611.22003,"end":616.50494,"sentiment":"positive","sentiment_score":0.39082017354667187},{"text":"I feel like you're probably a bit more versed than most people are in relation to the markets and how things work, and it's just, you know, making sure that everyone's comfortable with that level and noting that you don't have to wait for the annual review.","start":616.88495,"end":629.57,"sentiment":"positive","sentiment_score":0.3777985759872071},{"text":"If you're ever concerned, pick up the phone or let me know.","start":629.57,"end":632.53,"sentiment":"neutral","sentiment_score":0.2074591207007567},{"text":"I'll make time to come and have a chat with you, and we","start":632.53,"end":635.17004,"sentiment":"neutral","sentiment_score":0.2951542012966596}],"sentiment":"positive","sentiment_score":0.3447292035614902,"channel":0,"num_words":88,"start":611.22003,"end":635.17004},{"sentences":[{"text":"Yep.","start":635.17,"end":635.67,"sentiment":"neutral","sentiment_score":0.12124260514974594}],"sentiment":"neutral","sentiment_score":0.12124260514974594,"channel":1,"num_words":1,"start":635.17,"end":635.67},{"sentences":[{"text":"can always review the portfolio to review, you know, your risk level at any point in time as well.","start":635.17004,"end":641.01,"sentiment":"neutral","sentiment_score":0.05203097862632651},{"text":"Okay?","start":641.01,"end":641.51,"sentiment":"neutral","sentiment_score":0.04348792880773544}],"sentiment":"neutral","sentiment_score":0.051603826135396956,"channel":0,"num_words":20,"start":635.17004,"end":641.51},{"sentences":[{"text":"Yeah.","start":641.345,"end":641.845,"sentiment":"neutral","sentiment_score":0.0597040057182312},{"text":"Yep.","start":641.985,"end":642.485,"sentiment":"neutral","sentiment_score":0.09446954727172852}],"sentiment":"neutral","sentiment_score":0.07708677649497986,"channel":1,"num_words":2,"start":641.345,"end":642.485},{"sentences":[{"text":"Yep.","start":642.635,"end":643.11505,"sentiment":"neutral","sentiment_score":0.1475750207901001},{"text":"Perfect.","start":643.11505,"end":643.61505,"sentiment":"positive","sentiment_score":0.3834444582462311}],"sentiment":"neutral","sentiment_score":0.2655097395181656,"channel":0,"num_words":2,"start":642.635,"end":643.61505},{"sentences":[{"text":"No.","start":643.185,"end":643.685,"sentiment":"neutral","sentiment_score":0.0518365353345871},{"text":"Very good.","start":644.065,"end":644.885,"sentiment":"neutral","sentiment_score":0.28392112255096436}],"sentiment":"neutral","sentiment_score":0.2065595934788386,"channel":1,"num_words":3,"start":643.185,"end":644.885},{"sentences":[{"text":"All good.","start":645.35504,"end":646.17505,"sentiment":"positive","sentiment_score":0.3483132869005203},{"text":"With that, sir, you're happy to stay in that high growth environment for the moment.","start":646.395,"end":649.515,"sentiment":"positive","sentiment_score":0.5464195549488068},{"text":"I mean, realistically, you do have the time horizon ahead of you.","start":649.515,"end":652.955,"sentiment":"neutral","sentiment_score":0.28580591330925625},{"text":"As you said, you're only 37 in September, so you've got a bit of time before you're able to access Super at this stage.","start":652.955,"end":659.41003,"sentiment":"neutral","sentiment_score":0.16111815441399813}],"sentiment":"neutral","sentiment_score":0.30546087856000326,"channel":0,"num_words":53,"start":645.35504,"end":659.41003},{"sentences":[{"text":"Yeah.","start":659.91,"end":660.41,"sentiment":"neutral","sentiment_score":0.2599877119064331}],"sentiment":"neutral","sentiment_score":0.2599877119064331,"channel":1,"num_words":1,"start":659.91,"end":660.41},{"sentences":[{"text":"Capacity wise, you've got time to wade through the downtime without sort of worrying or having to take money out there at the moment, and you are working, and you're a good high income earner as well.","start":660.51,"end":670.845,"sentiment":"neutral","sentiment_score":0.3251921039175343},{"text":"So your contributions going in do also provide that greater benefit to your super.","start":670.845,"end":675.985,"sentiment":"positive","sentiment_score":0.4691750279494694}],"sentiment":"positive","sentiment_score":0.3647168281615949,"channel":0,"num_words":51,"start":660.51,"end":675.985},{"sentences":[{"text":"Yes.","start":676.425,"end":676.925,"sentiment":"positive","sentiment_score":0.4100075364112854}],"sentiment":"positive","sentiment_score":0.4100075364112854,"channel":1,"num_words":1,"start":676.425,"end":676.925},{"sentences":[{"text":"I'm comfortable keeping you in that high growth environment for the time being as long as you're comfortable to stay there.","start":676.605,"end":681.90497,"sentiment":"positive","sentiment_score":0.48925720084281193}],"sentiment":"positive","sentiment_score":0.48925720084281193,"channel":0,"num_words":21,"start":676.605,"end":681.90497},{"sentences":[{"text":"Yep.","start":682.12,"end":682.62,"sentiment":"neutral","sentiment_score":0.11654788255691528},{"text":"Yep.","start":683.0,"end":683.5,"sentiment":"neutral","sentiment_score":0.11018380522727966}],"sentiment":"neutral","sentiment_score":0.11336584389209747,"channel":1,"num_words":2,"start":682.12,"end":683.5},{"sentences":[{"text":"Yep.","start":683.34,"end":683.82,"sentiment":"neutral","sentiment_score":0.16844022274017334},{"text":"Perfect.","start":683.82,"end":684.32,"sentiment":"positive","sentiment_score":0.5487945079803467},{"text":"Excellent.","start":684.54,"end":685.04,"sentiment":"positive","sentiment_score":0.5862106680870056},{"text":"All good.","start":685.42,"end":686.16003,"sentiment":"positive","sentiment_score":0.4709707796573639},{"text":"The other thing I do like to look at is the insurances.","start":686.7,"end":688.96,"sentiment":"neutral","sentiment_score":-0.02709278604015708}],"sentiment":"neutral","sentiment_score":0.11295726621413932,"channel":0,"num_words":17,"start":683.34,"end":688.96},{"sentences":[{"text":"So I know last year, we did go ahead and cancel your income protection.","start":689.1,"end":692.62,"sentiment":"neutral","sentiment_score":-0.10596050322055817},{"text":"You sorta didn't wanna keep paying for that any longer.","start":692.62,"end":695.12,"sentiment":"neutral","sentiment_score":-0.16448117569088935}],"sentiment":"neutral","sentiment_score":-0.13034411674986282,"channel":0,"num_words":24,"start":689.1,"end":695.12},{"sentences":[{"text":"Yep.","start":695.685,"end":696.185,"sentiment":"neutral","sentiment_score":0.05089978501200676}],"sentiment":"neutral","sentiment_score":0.05089978501200676,"channel":1,"num_words":1,"start":695.685,"end":696.185},{"sentences":[{"text":"With the licensed EPD benefit you still have, it does give you a benefit or your your sorry.","start":696.065,"end":701.825,"sentiment":"neutral","sentiment_score":0.118731244156758},{"text":"The benefit you're covered for is a million and 62 and 810.","start":701.825,"end":705.905,"sentiment":"neutral","sentiment_score":0.11005960591137409},{"text":"So it has gone up a little bit from last year.","start":705.905,"end":708.16504,"sentiment":"neutral","sentiment_score":0.15597615120085803}],"sentiment":"neutral","sentiment_score":0.12618573973091637,"channel":0,"num_words":41,"start":696.065,"end":708.16504},{"sentences":[{"text":"Yep.","start":708.63,"end":709.13,"sentiment":"neutral","sentiment_score":0.09499527513980864}],"sentiment":"neutral","sentiment_score":0.09499527513980864,"channel":1,"num_words":1,"start":708.63,"end":709.13},{"sentences":[{"text":"You premium was you paid about 1,177 this year for that one.","start":708.865,"end":715.1,"sentiment":"neutral","sentiment_score":0.08148941894372304},{"text":"Thinking about sort of the life and CBD benefit that you're covered for at the moment with one pass, are you fairly happy with that?","start":715.32,"end":721.63995,"sentiment":"neutral","sentiment_score":0.12560203045606613},{"text":"Did you wanna kind of look at altering that in any way, shape, or form?","start":721.63995,"end":725.01996,"sentiment":"neutral","sentiment_score":0.05204080417752266}],"sentiment":"neutral","sentiment_score":0.0942026125267148,"channel":0,"num_words":52,"start":708.865,"end":725.01996},{"sentences":[{"text":"If it doesn't cost anything to have a look at it, I'm always willing to have a look at something that's just as good, but I'm not paying as many fees.","start":726.34503,"end":733.305,"sentiment":"neutral","sentiment_score":0.11902449171869986},{"text":"I'm always happy to have a look.","start":733.305,"end":734.73,"sentiment":"neutral","sentiment_score":0.3255950744662966}],"sentiment":"neutral","sentiment_score":0.157076967487994,"channel":1,"num_words":38,"start":726.34503,"end":734.73},{"sentences":[{"text":"No.","start":735.385,"end":735.545,"sentiment":"neutral","sentiment_score":-0.15212416648864746},{"text":"You're alright.","start":735.545,"end":736.265,"sentiment":"neutral","sentiment_score":-0.1292935386300087},{"text":"I wouldn't sort of honestly, one pass, and the amount you're paying for these is the cheapest you'll get for the type of cover that you've got.","start":736.265,"end":743.3,"sentiment":"neutral","sentiment_score":-0.09299472153738693},{"text":"It's more","start":743.6,"end":743.92,"sentiment":"neutral","sentiment_score":0.005464252084493637}],"sentiment":"neutral","sentiment_score":-0.09095750690903515,"channel":0,"num_words":32,"start":735.385,"end":743.92},{"sentences":[{"text":"Yep.","start":743.76996,"end":744.26996,"sentiment":"neutral","sentiment_score":-0.0029105129651725292}],"sentiment":"neutral","sentiment_score":-0.0029105129651725292,"channel":1,"num_words":1,"start":743.76996,"end":744.26996},{"sentences":[{"text":"just about whether you kinda wanted to increase or decrease it at all.","start":743.92,"end":747.3,"sentiment":"neutral","sentiment_score":-0.015432927972422196},{"text":"Realistically, the premium you're paying is actually very, very good for the level of cover you've got.","start":748.08,"end":753.84,"sentiment":"positive","sentiment_score":0.639347576043185},{"text":"I've seen people who have less cover pay a lot more for for premiums.","start":753.84,"end":758.555,"sentiment":"neutral","sentiment_score":0.07101953402161598},{"text":"So one path is","start":758.615,"end":759.415,"sentiment":"neutral","sentiment_score":0.14895137399435043}],"sentiment":"neutral","sentiment_score":0.25538249377859756,"channel":0,"num_words":48,"start":743.92,"end":759.415},{"sentences":[{"text":"Yeah.","start":759.265,"end":759.765,"sentiment":"positive","sentiment_score":0.3755362629890442}],"sentiment":"positive","sentiment_score":0.3755362629890442,"channel":1,"num_words":1,"start":759.265,"end":759.765},{"sentences":[{"text":"definitely the most competitive premium wise out there,","start":759.415,"end":762.07495,"sentiment":"positive","sentiment_score":0.449399221688509}],"sentiment":"positive","sentiment_score":0.449399221688509,"channel":0,"num_words":8,"start":759.415,"end":762.07495},{"sentences":[{"text":"Yeah.","start":762.3,"end":762.54,"sentiment":"neutral","sentiment_score":0.3022211790084839}],"sentiment":"neutral","sentiment_score":0.3022211790084839,"channel":1,"num_words":1,"start":762.3,"end":762.54},{"sentences":[{"text":"especially","start":762.535,"end":762.935,"sentiment":"neutral","sentiment_score":0.26950323581695557}],"sentiment":"neutral","sentiment_score":0.26950323581695557,"channel":0,"num_words":1,"start":762.535,"end":762.935},{"sentences":[{"text":"Right.","start":762.54,"end":763.04,"sentiment":"neutral","sentiment_score":0.1914611458778381}],"sentiment":"neutral","sentiment_score":0.1914611458778381,"channel":1,"num_words":1,"start":762.54,"end":763.04},{"sentences":[{"text":"then if you've got an older policy too.","start":762.935,"end":764.935,"sentiment":"neutral","sentiment_score":0.0545810149051249},{"text":"Any newer policies would definitely cost a little bit more with the the changes that come in every year to the insurance companies.","start":764.935,"end":772.32,"sentiment":"neutral","sentiment_score":0.010450115670328554}],"sentiment":"neutral","sentiment_score":0.021838734827695355,"channel":0,"num_words":31,"start":762.935,"end":772.32},{"sentences":[{"text":"Yeah.","start":772.3,"end":772.8,"sentiment":"neutral","sentiment_score":0.022361995652318}],"sentiment":"neutral","sentiment_score":0.022361995652318,"channel":1,"num_words":1,"start":772.3,"end":772.8},{"sentences":[{"text":"So I wouldn't","start":772.38,"end":773.02,"sentiment":"neutral","sentiment_score":0.003952403552830219}],"sentiment":"neutral","sentiment_score":0.003952403552830219,"channel":0,"num_words":3,"start":772.38,"end":773.02},{"sentences":[{"text":"Yeah.","start":772.94,"end":773.44,"sentiment":"neutral","sentiment_score":-0.0033967364579439163}],"sentiment":"neutral","sentiment_score":-0.0033967364579439163,"channel":1,"num_words":1,"start":772.94,"end":773.44},{"sentences":[{"text":"wanna sort of just change the cover if you are comfortable with the amount of cover you have just because it would increase the cost of it.","start":773.02,"end":780.48004,"sentiment":"neutral","sentiment_score":-0.0062795573224623995},{"text":"But","start":780.62,"end":781.035,"sentiment":"neutral","sentiment_score":0.03316010534763336}],"sentiment":"neutral","sentiment_score":-0.004870997941387551,"channel":0,"num_words":28,"start":773.02,"end":781.035},{"sentences":[{"text":"Yep.","start":780.655,"end":781.155,"sentiment":"neutral","sentiment_score":0.04556914418935776}],"sentiment":"neutral","sentiment_score":0.04556914418935776,"channel":1,"num_words":1,"start":780.655,"end":781.155},{"sentences":[{"text":"did you wanna reevaluate the level?","start":781.27496,"end":783.115,"sentiment":"neutral","sentiment_score":0.02431988591949145},{"text":"Are you happy with the, you know, a million and 62 that you've got?","start":783.115,"end":786.57495,"sentiment":"neutral","sentiment_score":0.062346109588231356}],"sentiment":"neutral","sentiment_score":0.050938242487609385,"channel":0,"num_words":20,"start":781.27496,"end":786.57495},{"sentences":[{"text":"Yeah.","start":786.89,"end":787.39,"sentiment":"neutral","sentiment_score":0.061610691249370575},{"text":"Yeah.","start":787.69,"end":787.93,"sentiment":"neutral","sentiment_score":0.09051701426506042},{"text":"I'm still happy with","start":787.93,"end":788.89,"sentiment":"neutral","sentiment_score":0.15989023819565773}],"sentiment":"neutral","sentiment_score":0.131948109716177,"channel":1,"num_words":6,"start":786.89,"end":788.89},{"sentences":[{"text":"Yes?","start":788.875,"end":789.375,"sentiment":"neutral","sentiment_score":0.16677981615066528}],"sentiment":"neutral","sentiment_score":0.16677981615066528,"channel":0,"num_words":1,"start":788.875,"end":789.375},{"sentences":[{"text":"that.","start":788.89,"end":789.13,"sentiment":"neutral","sentiment_score":0.14392691850662231},{"text":"Yep.","start":789.13,"end":789.61,"sentiment":"neutral","sentiment_score":0.10270354151725768},{"text":"Yep.","start":789.61,"end":790.11,"sentiment":"neutral","sentiment_score":0.16176185011863708}],"sentiment":"neutral","sentiment_score":0.1361307700475057,"channel":1,"num_words":3,"start":788.89,"end":790.11},{"sentences":[{"text":"Excellent.","start":789.995,"end":790.495,"sentiment":"positive","sentiment_score":0.4556344151496887},{"text":"All good.","start":790.63495,"end":791.375,"sentiment":"positive","sentiment_score":0.4082533121109009}],"sentiment":"positive","sentiment_score":0.42404701312383014,"channel":0,"num_words":3,"start":789.995,"end":791.375},{"sentences":[{"text":"I","start":791.53,"end":791.69,"sentiment":"neutral","sentiment_score":0.0956227481365204}],"sentiment":"neutral","sentiment_score":0.0956227481365204,"channel":1,"num_words":1,"start":791.53,"end":791.69},{"sentences":[{"text":"I","start":791.675,"end":791.75494,"sentiment":"neutral","sentiment_score":0.01553116738796234}],"sentiment":"neutral","sentiment_score":0.01553116738796234,"channel":0,"num_words":1,"start":791.675,"end":791.75494},{"sentences":[{"text":"don't","start":791.69,"end":791.93,"sentiment":"neutral","sentiment_score":-0.02142886072397232}],"sentiment":"neutral","sentiment_score":-0.02142886072397232,"channel":1,"num_words":1,"start":791.69,"end":791.93},{"sentences":[{"text":"can","start":791.75494,"end":791.995,"sentiment":"neutral","sentiment_score":-0.039390239864587784}],"sentiment":"neutral","sentiment_score":-0.039390239864587784,"channel":0,"num_words":1,"start":791.75494,"end":791.995},{"sentences":[{"text":"think","start":791.93,"end":792.09,"sentiment":"neutral","sentiment_score":-0.06120377779006958}],"sentiment":"neutral","sentiment_score":-0.06120377779006958,"channel":1,"num_words":1,"start":791.93,"end":792.09},{"sentences":[{"text":"see","start":791.995,"end":792.15497,"sentiment":"neutral","sentiment_score":-0.06979280710220337}],"sentiment":"neutral","sentiment_score":-0.06979280710220337,"channel":0,"num_words":1,"start":791.995,"end":792.15497},{"sentences":[{"text":"it'll","start":792.09,"end":792.25,"sentiment":"neutral","sentiment_score":-0.06875092536211014}],"sentiment":"neutral","sentiment_score":-0.06875092536211014,"channel":1,"num_words":1,"start":792.09,"end":792.25},{"sentences":[{"text":"here","start":792.15497,"end":792.315,"sentiment":"neutral","sentiment_score":-0.11316285282373428}],"sentiment":"neutral","sentiment_score":-0.11316285282373428,"channel":0,"num_words":1,"start":792.15497,"end":792.315},{"sentences":[{"text":"worry","start":792.25,"end":792.57,"sentiment":"neutral","sentiment_score":-0.09380441904067992}],"sentiment":"neutral","sentiment_score":-0.09380441904067992,"channel":1,"num_words":1,"start":792.25,"end":792.57},{"sentences":[{"text":"with","start":792.315,"end":792.63495,"sentiment":"neutral","sentiment_score":-0.1473337560892105}],"sentiment":"neutral","sentiment_score":-0.1473337560892105,"channel":0,"num_words":1,"start":792.315,"end":792.63495},{"sentences":[{"text":"me","start":792.57,"end":792.73,"sentiment":"neutral","sentiment_score":-0.0627652108669281}],"sentiment":"neutral","sentiment_score":-0.0627652108669281,"channel":1,"num_words":1,"start":792.57,"end":792.73},{"sentences":[{"text":"you.","start":792.63495,"end":793.08,"sentiment":"neutral","sentiment_score":-0.059670887887477875}],"sentiment":"neutral","sentiment_score":-0.059670887887477875,"channel":0,"num_words":1,"start":792.63495,"end":793.08},{"sentences":[{"text":"too much.","start":792.73,"end":793.39,"sentiment":"neutral","sentiment_score":-0.06734047830104828}],"sentiment":"neutral","sentiment_score":-0.06734047830104828,"channel":1,"num_words":2,"start":792.73,"end":793.39},{"sentences":[{"text":"No.","start":793.96,"end":794.28,"sentiment":"neutral","sentiment_score":-0.09370510280132294},{"text":"No.","start":794.28,"end":794.76,"sentiment":"neutral","sentiment_score":-0.09596694260835648},{"text":"Well, the","start":794.76,"end":795.24,"sentiment":"neutral","sentiment_score":-0.11811922118067741}],"sentiment":"neutral","sentiment_score":-0.10647762194275856,"channel":0,"num_words":4,"start":793.96,"end":795.24},{"sentences":[{"text":"I'll","start":795.21,"end":795.37,"sentiment":"neutral","sentiment_score":-0.10945987701416016}],"sentiment":"neutral","sentiment_score":-0.10945987701416016,"channel":1,"num_words":1,"start":795.21,"end":795.37},{"sentences":[{"text":"CBD","start":795.24,"end":795.74,"sentiment":"neutral","sentiment_score":-0.0988791212439537}],"sentiment":"neutral","sentiment_score":-0.0988791212439537,"channel":0,"num_words":1,"start":795.24,"end":795.74},{"sentences":[{"text":"be dead.","start":795.37,"end":796.11,"sentiment":"neutral","sentiment_score":-0.16414837539196014}],"sentiment":"neutral","sentiment_score":-0.16414837539196014,"channel":1,"num_words":2,"start":795.37,"end":796.11},{"sentences":[{"text":"is probably more you.","start":795.8,"end":797.34,"sentiment":"neutral","sentiment_score":-0.06460368726402521}],"sentiment":"neutral","sentiment_score":-0.06460368726402521,"channel":0,"num_words":4,"start":795.8,"end":797.34},{"sentences":[{"text":"Anyway no.","start":801.455,"end":802.335,"sentiment":"neutral","sentiment_score":-0.02529778517782688},{"text":"All good.","start":802.335,"end":802.655,"sentiment":"neutral","sentiment_score":0.04317470267415047}],"sentiment":"neutral","sentiment_score":0.008938458748161794,"channel":1,"num_words":4,"start":801.455,"end":802.655},{"sentences":[{"text":"Yes.","start":802.60004,"end":803.10004,"sentiment":"neutral","sentiment_score":0.009458242915570736}],"sentiment":"neutral","sentiment_score":0.009458242915570736,"channel":0,"num_words":1,"start":802.60004,"end":803.10004},{"sentences":[{"text":"Sorry.","start":802.655,"end":803.155,"sentiment":"neutral","sentiment_score":-0.01761227659881115}],"sentiment":"neutral","sentiment_score":-0.01761227659881115,"channel":1,"num_words":1,"start":802.655,"end":803.155},{"sentences":[{"text":"No.","start":803.72003,"end":803.88,"sentiment":"neutral","sentiment_score":-0.02513803169131279},{"text":"No.","start":803.88,"end":804.12,"sentiment":"neutral","sentiment_score":-0.020518748089671135},{"text":"You're fine.","start":804.12,"end":804.76,"sentiment":"neutral","sentiment_score":0.053079595789313316},{"text":"You are absolutely fine.","start":804.76,"end":806.055,"sentiment":"neutral","sentiment_score":0.20384085550904274},{"text":"Don't worry.","start":806.135,"end":806.455,"sentiment":"neutral","sentiment_score":0.07713663950562477}],"sentiment":"neutral","sentiment_score":0.10301391128450632,"channel":0,"num_words":10,"start":803.72003,"end":806.455},{"sentences":[{"text":"I've heard it all.","start":806.455,"end":807.255,"sentiment":"neutral","sentiment_score":0.046057011000812054},{"text":"I've got clients who I talk about life with and all the bits and pieces, and they go, oh, it's not even gonna bother me.","start":807.255,"end":812.055,"sentiment":"neutral","sentiment_score":0.027353725880384445},{"text":"I don't even care.","start":812.055,"end":813.035,"sentiment":"neutral","sentiment_score":-0.06961239501833916}],"sentiment":"neutral","sentiment_score":0.017867321543621296,"channel":0,"num_words":33,"start":806.455,"end":813.035},{"sentences":[{"text":"No.","start":813.91,"end":814.41,"sentiment":"neutral","sentiment_score":0.04323292896151543},{"text":"It's all good.","start":814.70996,"end":815.35,"sentiment":"neutral","sentiment_score":0.19395803908507028},{"text":"I do can.","start":815.35,"end":815.99,"sentiment":"neutral","sentiment_score":0.23524641493956247},{"text":"So yeah.","start":815.99,"end":817.13,"sentiment":"neutral","sentiment_score":0.08655047044157982}],"sentiment":"neutral","sentiment_score":0.1671052479909526,"channel":1,"num_words":9,"start":813.91,"end":817.13},{"sentences":[{"text":"Yeah.","start":816.935,"end":817.415,"sentiment":"neutral","sentiment_score":0.11099317669868468},{"text":"I'm sure you do.","start":817.415,"end":818.71497,"sentiment":"neutral","sentiment_score":0.13936085999011993}],"sentiment":"neutral","sentiment_score":0.1336873233318329,"channel":0,"num_words":5,"start":816.935,"end":818.71497},{"sentences":[{"text":"Yep.","start":819.02997,"end":819.52997,"sentiment":"neutral","sentiment_score":0.15959838032722473}],"sentiment":"neutral","sentiment_score":0.15959838032722473,"channel":1,"num_words":1,"start":819.02997,"end":819.52997},{"sentences":[{"text":"All good.","start":821.0,"end":821.66,"sentiment":"neutral","sentiment_score":0.29288624227046967},{"text":"With the with the mortgage and the property, I have it noted here that you have roughly about a 100,000 owing there, but you guys have it offset pretty well, don't you?","start":821.88,"end":831.1,"sentiment":"neutral","sentiment_score":0.057660357910208404}],"sentiment":"neutral","sentiment_score":0.0714971746372826,"channel":0,"num_words":34,"start":821.0,"end":831.1},{"sentences":[{"text":"Yeah.","start":831.275,"end":831.675,"sentiment":"neutral","sentiment_score":0.03913194686174393},{"text":"We so","start":831.675,"end":832.975,"sentiment":"neutral","sentiment_score":0.041060736402869225}],"sentiment":"neutral","sentiment_score":0.04041780655582746,"channel":1,"num_words":3,"start":831.275,"end":832.975},{"sentences":[{"text":"Yep.","start":832.52,"end":833.02,"sentiment":"neutral","sentiment_score":0.04861737787723541}],"sentiment":"neutral","sentiment_score":0.04861737787723541,"channel":0,"num_words":1,"start":832.52,"end":833.02},{"sentences":[{"text":"so we're fully offset.","start":833.355,"end":834.575,"sentiment":"neutral","sentiment_score":0.07003892213106155},{"text":"We we still have loans","start":834.635,"end":836.475,"sentiment":"neutral","sentiment_score":0.05926219969987869}],"sentiment":"neutral","sentiment_score":0.06405185411373775,"channel":1,"num_words":9,"start":833.355,"end":836.475},{"sentences":[{"text":"Yep.","start":836.345,"end":836.845,"sentiment":"neutral","sentiment_score":0.0448983870446682}],"sentiment":"neutral","sentiment_score":0.0448983870446682,"channel":0,"num_words":1,"start":836.345,"end":836.845},{"sentences":[{"text":"open,","start":836.475,"end":836.975,"sentiment":"neutral","sentiment_score":0.05982798710465431}],"sentiment":"neutral","sentiment_score":0.05982798710465431,"channel":1,"num_words":1,"start":836.475,"end":836.975},{"sentences":[{"text":"Yep.","start":837.305,"end":837.805,"sentiment":"neutral","sentiment_score":0.03839846700429917}],"sentiment":"neutral","sentiment_score":0.03839846700429917,"channel":0,"num_words":1,"start":837.305,"end":837.805},{"sentences":[{"text":"but it's fully offset.","start":838.15497,"end":839.375,"sentiment":"neutral","sentiment_score":0.01923755370080471}],"sentiment":"neutral","sentiment_score":0.01923755370080471,"channel":1,"num_words":4,"start":838.15497,"end":839.375},{"sentences":[{"text":"I believe you only sort of technically owe about, what, 2,000 on the mortgage?","start":840.105,"end":844.52496,"sentiment":"neutral","sentiment_score":-0.012614477159721511}],"sentiment":"neutral","sentiment_score":-0.012614477159721511,"channel":0,"num_words":14,"start":840.105,"end":844.52496},{"sentences":[{"text":"Yeah.","start":844.84,"end":845.24,"sentiment":"neutral","sentiment_score":-0.02353806421160698},{"text":"There's nothing there.","start":845.24,"end":846.2,"sentiment":"neutral","sentiment_score":-0.06495812038580577}],"sentiment":"neutral","sentiment_score":-0.05460310634225607,"channel":1,"num_words":4,"start":844.84,"end":846.2},{"sentences":[{"text":"Yes.","start":845.94495,"end":846.44495,"sentiment":"neutral","sentiment_score":0.020270202308893204}],"sentiment":"neutral","sentiment_score":0.020270202308893204,"channel":0,"num_words":1,"start":845.94495,"end":846.44495},{"sentences":[{"text":"It's it's it's literally we owe money because we wanna keep the loan open at this stage.","start":846.2,"end":851.5,"sentiment":"neutral","sentiment_score":0.03372424062998856}],"sentiment":"neutral","sentiment_score":0.03372424062998856,"channel":1,"num_words":17,"start":846.2,"end":851.5},{"sentences":[{"text":"Yeah.","start":851.54,"end":851.69995,"sentiment":"neutral","sentiment_score":0.07293495535850525},{"text":"Yeah.","start":851.69995,"end":852.1,"sentiment":"neutral","sentiment_score":0.11614446341991425}],"sentiment":"neutral","sentiment_score":0.09453970938920975,"channel":0,"num_words":2,"start":851.54,"end":852.1},{"sentences":[{"text":"This","start":851.96,"end":852.2,"sentiment":"neutral","sentiment_score":0.16877976059913635}],"sentiment":"neutral","sentiment_score":0.16877976059913635,"channel":1,"num_words":1,"start":851.96,"end":852.2},{"sentences":[{"text":"Absolutely.","start":852.1,"end":852.6,"sentiment":"neutral","sentiment_score":0.04313201457262039}],"sentiment":"neutral","sentiment_score":0.04313201457262039,"channel":0,"num_words":1,"start":852.1,"end":852.6},{"sentences":[{"text":"way","start":852.2,"end":852.7,"sentiment":"neutral","sentiment_score":0.048418305814266205}],"sentiment":"neutral","sentiment_score":0.048418305814266205,"channel":1,"num_words":1,"start":852.2,"end":852.7},{"sentences":[{"text":"It's it's the servicing","start":852.74,"end":853.86,"sentiment":"neutral","sentiment_score":0.07979860529303551}],"sentiment":"neutral","sentiment_score":0.07979860529303551,"channel":0,"num_words":4,"start":852.74,"end":853.86},{"sentences":[{"text":"yeah.","start":853.48,"end":853.98,"sentiment":"neutral","sentiment_score":0.08355443179607391}],"sentiment":"neutral","sentiment_score":0.08355443179607391,"channel":1,"num_words":1,"start":853.48,"end":853.98},{"sentences":[{"text":"of it.","start":853.86,"end":854.18,"sentiment":"neutral","sentiment_score":0.06933293491601944},{"text":"It's it's there.","start":854.18,"end":854.89996,"sentiment":"neutral","sentiment_score":0.11675223459800084},{"text":"You've got the money if you need it in case something","start":854.89996,"end":856.98,"sentiment":"neutral","sentiment_score":0.0929359258575873}],"sentiment":"neutral","sentiment_score":0.09445110987871885,"channel":0,"num_words":16,"start":853.86,"end":856.98},{"sentences":[{"text":"Yeah.","start":856.97504,"end":857.47504,"sentiment":"neutral","sentiment_score":0.12145109474658966}],"sentiment":"neutral","sentiment_score":0.12145109474658966,"channel":1,"num_words":1,"start":856.97504,"end":857.47504},{"sentences":[{"text":"comes out without having to go back to the rigmarole of servicing","start":856.98,"end":859.86,"sentiment":"neutral","sentiment_score":0.09838153794407845}],"sentiment":"neutral","sentiment_score":0.09838153794407845,"channel":0,"num_words":12,"start":856.98,"end":859.86},{"sentences":[{"text":"Yep.","start":859.775,"end":860.275,"sentiment":"neutral","sentiment_score":0.12736530601978302}],"sentiment":"neutral","sentiment_score":0.12736530601978302,"channel":1,"num_words":1,"start":859.775,"end":860.275},{"sentences":[{"text":"again.","start":859.86,"end":860.25995,"sentiment":"neutral","sentiment_score":0.1275188773870468},{"text":"I get it.","start":860.25995,"end":861.07996,"sentiment":"neutral","sentiment_score":0.16907894611358643}],"sentiment":"neutral","sentiment_score":0.15868892893195152,"channel":0,"num_words":4,"start":859.86,"end":861.07996},{"sentences":[{"text":"Yep.","start":860.97504,"end":861.215,"sentiment":"neutral","sentiment_score":0.1694147288799286},{"text":"Yep.","start":861.215,"end":861.715,"sentiment":"neutral","sentiment_score":0.3253488540649414}],"sentiment":"neutral","sentiment_score":0.247381791472435,"channel":1,"num_words":2,"start":860.97504,"end":861.715},{"sentences":[{"text":"Fantastic.","start":862.73505,"end":863.23505,"sentiment":"positive","sentiment_score":0.6994415521621704},{"text":"With the property there, I've got a an estimated asset value of that 1,200,000.","start":864.09503,"end":869.375,"sentiment":"neutral","sentiment_score":0.23180161522967474},{"text":"Would you alter or change that at all?","start":869.375,"end":871.635,"sentiment":"neutral","sentiment_score":0.09485983196645975}],"sentiment":"neutral","sentiment_score":0.20450186178736066,"channel":0,"num_words":23,"start":862.73505,"end":871.635},{"sentences":[{"text":"No.","start":871.83,"end":872.07,"sentiment":"neutral","sentiment_score":-0.08202049136161804},{"text":"I'd leave it around there.","start":872.07,"end":873.37,"sentiment":"neutral","sentiment_score":-0.0815990425646305}],"sentiment":"neutral","sentiment_score":-0.0816692840307951,"channel":1,"num_words":6,"start":871.83,"end":873.37},{"sentences":[{"text":"About that?","start":873.695,"end":874.335,"sentiment":"neutral","sentiment_score":0.019943589344620705},{"text":"Perfect.","start":874.335,"end":874.835,"sentiment":"neutral","sentiment_score":0.29684221744537354}],"sentiment":"neutral","sentiment_score":0.11224313204487164,"channel":0,"num_words":3,"start":873.695,"end":874.835},{"sentences":[{"text":"Yeah.","start":874.87,"end":875.37,"sentiment":"neutral","sentiment_score":0.10170663893222807}],"sentiment":"neutral","sentiment_score":0.10170663893222807,"channel":1,"num_words":1,"start":874.87,"end":875.37},{"sentences":[{"text":"I've also got the Ford Ranger asset value 65,000.","start":875.69,"end":879.95,"sentiment":"neutral","sentiment_score":0.05840524327423838}],"sentiment":"neutral","sentiment_score":0.05840524327423838,"channel":0,"num_words":9,"start":875.69,"end":879.95},{"sentences":[{"text":"Yeah.","start":880.63,"end":881.11005,"sentiment":"neutral","sentiment_score":0.01715482585132122},{"text":"I don't know what they're worth these days, but","start":881.11005,"end":883.155,"sentiment":"neutral","sentiment_score":-0.022831409962640867}],"sentiment":"neutral","sentiment_score":-0.018832786381244658,"channel":1,"num_words":10,"start":880.63,"end":883.155},{"sentences":[{"text":"That's","start":883.77,"end":884.09,"sentiment":"neutral","sentiment_score":0.05397655814886093}],"sentiment":"neutral","sentiment_score":0.05397655814886093,"channel":0,"num_words":1,"start":883.77,"end":884.09},{"sentences":[{"text":"I'll be","start":883.875,"end":884.195,"sentiment":"neutral","sentiment_score":0.0834258645772934}],"sentiment":"neutral","sentiment_score":0.0834258645772934,"channel":1,"num_words":2,"start":883.875,"end":884.195},{"sentences":[{"text":"okay.","start":884.09,"end":884.59,"sentiment":"neutral","sentiment_score":0.0376468300819397}],"sentiment":"neutral","sentiment_score":0.0376468300819397,"channel":0,"num_words":1,"start":884.09,"end":884.59},{"sentences":[{"text":"around that.","start":884.195,"end":884.755,"sentiment":"neutral","sentiment_score":-0.009627783671021461},{"text":"I don't know.","start":884.755,"end":885.49506,"sentiment":"neutral","sentiment_score":-0.023229430119196575}],"sentiment":"neutral","sentiment_score":-0.01778877153992653,"channel":1,"num_words":5,"start":884.195,"end":885.49506},{"sentences":[{"text":"You're right.","start":886.17,"end":886.81,"sentiment":"neutral","sentiment_score":0.13764329627156258},{"text":"All good.","start":886.81,"end":887.37,"sentiment":"neutral","sentiment_score":0.3273977190256119}],"sentiment":"neutral","sentiment_score":0.23252050764858723,"channel":0,"num_words":4,"start":886.17,"end":887.37},{"sentences":[{"text":"Yeah.","start":887.23505,"end":887.73505,"sentiment":"neutral","sentiment_score":0.07026363164186478}],"sentiment":"neutral","sentiment_score":0.07026363164186478,"channel":1,"num_words":1,"start":887.23505,"end":887.73505},{"sentences":[{"text":"And then the Mazda three with an asset value roughly of 2,000.","start":887.37,"end":891.245,"sentiment":"neutral","sentiment_score":0.03973216377198696}],"sentiment":"neutral","sentiment_score":0.03973216377198696,"channel":0,"num_words":12,"start":887.37,"end":891.245},{"sentences":[{"text":"Yeah.","start":892.11505,"end":892.275,"sentiment":"neutral","sentiment_score":0.058018624782562256},{"text":"We're right.","start":892.275,"end":892.93506,"sentiment":"neutral","sentiment_score":0.09382015466690063},{"text":"Yep.","start":893.395,"end":893.895,"sentiment":"neutral","sentiment_score":0.08381001651287079},{"text":"For sure.","start":894.515,"end":895.335,"sentiment":"neutral","sentiment_score":0.0846179910004139},{"text":"2,000","start":895.79504,"end":896.35504,"sentiment":"neutral","sentiment_score":0.0692695826292038}],"sentiment":"neutral","sentiment_score":0.08113921646560941,"channel":1,"num_words":7,"start":892.11505,"end":896.35504},{"sentences":[{"text":"All","start":896.345,"end":896.665,"sentiment":"neutral","sentiment_score":0.12282627820968628}],"sentiment":"neutral","sentiment_score":0.12282627820968628,"channel":0,"num_words":1,"start":896.345,"end":896.665},{"sentences":[{"text":"seven,","start":896.35504,"end":896.67505,"sentiment":"neutral","sentiment_score":0.19093868136405945}],"sentiment":"neutral","sentiment_score":0.19093868136405945,"channel":1,"num_words":1,"start":896.35504,"end":896.67505},{"sentences":[{"text":"good.","start":896.665,"end":897.165,"sentiment":"neutral","sentiment_score":0.23735982179641724}],"sentiment":"neutral","sentiment_score":0.23735982179641724,"channel":0,"num_words":1,"start":896.665,"end":897.165},{"sentences":[{"text":"man.","start":896.67505,"end":896.835,"sentiment":"neutral","sentiment_score":0.17073702812194824},{"text":"It's very it's a it's a hot run.","start":896.835,"end":898.775,"sentiment":"neutral","sentiment_score":0.1712766569107771}],"sentiment":"neutral","sentiment_score":0.1712166981564628,"channel":1,"num_words":9,"start":896.67505,"end":898.775},{"sentences":[{"text":"No.","start":899.945,"end":900.185,"sentiment":"neutral","sentiment_score":-0.011558383703231812},{"text":"Is it the one you drive to work?","start":900.185,"end":901.705,"sentiment":"neutral","sentiment_score":-0.010748606058768928},{"text":"I believe it says it's","start":901.705,"end":902.90497,"sentiment":"neutral","sentiment_score":-0.0029632108751684433}],"sentiment":"neutral","sentiment_score":-0.008025949039230389,"channel":0,"num_words":14,"start":899.945,"end":902.90497},{"sentences":[{"text":"Yeah.","start":902.81,"end":903.31,"sentiment":"neutral","sentiment_score":0.010868027806282043}],"sentiment":"neutral","sentiment_score":0.010868027806282043,"channel":1,"num_words":1,"start":902.81,"end":903.31},{"sentences":[{"text":"the one you guys you drive.","start":902.90497,"end":904.185,"sentiment":"neutral","sentiment_score":0.006448226825644572}],"sentiment":"neutral","sentiment_score":0.006448226825644572,"channel":0,"num_words":6,"start":902.90497,"end":904.185},{"sentences":[{"text":"Yeah.","start":904.09,"end":904.57,"sentiment":"neutral","sentiment_score":0.02220330946147442}],"sentiment":"neutral","sentiment_score":0.02220330946147442,"channel":1,"num_words":1,"start":904.09,"end":904.57},{"sentences":[{"text":"Yeah.","start":904.185,"end":904.685,"sentiment":"neutral","sentiment_score":0.020811308175325394}],"sentiment":"neutral","sentiment_score":0.020811308175325394,"channel":0,"num_words":1,"start":904.185,"end":904.685},{"sentences":[{"text":"Yeah.","start":904.57,"end":905.07,"sentiment":"neutral","sentiment_score":0.022329214960336685},{"text":"Yeah.","start":905.53,"end":906.01,"sentiment":"neutral","sentiment_score":0.018346060067415237}],"sentiment":"neutral","sentiment_score":0.02033763751387596,"channel":1,"num_words":2,"start":904.57,"end":906.01},{"sentences":[{"text":"No.","start":905.945,"end":906.445,"sentiment":"neutral","sentiment_score":0.0011362843215465546}],"sentiment":"neutral","sentiment_score":0.0011362843215465546,"channel":0,"num_words":1,"start":905.945,"end":906.445},{"sentences":[{"text":"That's me work.","start":906.01,"end":907.07,"sentiment":"neutral","sentiment_score":0.036412847538789116}],"sentiment":"neutral","sentiment_score":0.036412847538789116,"channel":1,"num_words":3,"start":906.01,"end":907.07},{"sentences":[{"text":"Nice.","start":908.24,"end":908.39996,"sentiment":"positive","sentiment_score":0.36534255743026733},{"text":"Nice.","start":908.39996,"end":908.89996,"sentiment":"neutral","sentiment_score":0.2844444513320923},{"text":"And","start":909.27997,"end":909.51996,"sentiment":"neutral","sentiment_score":0.11981693655252457}],"sentiment":"neutral","sentiment_score":0.2565346484382947,"channel":0,"num_words":3,"start":908.24,"end":909.51996},{"sentences":[{"text":"Alright.","start":909.37,"end":909.87,"sentiment":"neutral","sentiment_score":0.1079079732298851}],"sentiment":"neutral","sentiment_score":0.1079079732298851,"channel":1,"num_words":1,"start":909.37,"end":909.87},{"sentences":[{"text":"then you've still got the caravan there as well, roughly valued at 95,000.","start":909.51996,"end":913.62,"sentiment":"neutral","sentiment_score":0.07607214525341988}],"sentiment":"neutral","sentiment_score":0.07607214525341988,"channel":0,"num_words":13,"start":909.51996,"end":913.62},{"sentences":[{"text":"Yeah.","start":913.125,"end":913.625,"sentiment":"neutral","sentiment_score":0.06294316053390503},{"text":"Yep.","start":914.805,"end":915.305,"sentiment":"neutral","sentiment_score":0.07427489012479782}],"sentiment":"neutral","sentiment_score":0.06860902532935143,"channel":1,"num_words":2,"start":913.125,"end":915.305},{"sentences":[{"text":"Yep.","start":915.44,"end":915.83997,"sentiment":"neutral","sentiment_score":0.1173788458108902},{"text":"Beautiful.","start":915.83997,"end":916.33997,"sentiment":"neutral","sentiment_score":0.3172684907913208},{"text":"And then content, rough valuation on content is about 126,000.","start":916.39996,"end":922.075,"sentiment":"neutral","sentiment_score":0.05481268502771854},{"text":"Is that right?","start":922.075,"end":922.97504,"sentiment":"neutral","sentiment_score":0.04203121984998385}],"sentiment":"neutral","sentiment_score":0.07392452309528987,"channel":0,"num_words":15,"start":915.44,"end":922.97504},{"sentences":[{"text":"Yeah.","start":923.205,"end":923.705,"sentiment":"neutral","sentiment_score":-0.004605062305927277},{"text":"Well, I couldn't","start":923.845,"end":924.485,"sentiment":"neutral","sentiment_score":-0.027564946562051773}],"sentiment":"neutral","sentiment_score":-0.02182497549802065,"channel":1,"num_words":4,"start":923.205,"end":924.485},{"sentences":[{"text":"Yeah.","start":924.395,"end":924.895,"sentiment":"neutral","sentiment_score":-0.02249556966125965}],"sentiment":"neutral","sentiment_score":-0.02249556966125965,"channel":0,"num_words":1,"start":924.395,"end":924.895},{"sentences":[{"text":"tell you.","start":924.485,"end":925.125,"sentiment":"neutral","sentiment_score":-0.0231959018856287},{"text":"It'll be","start":925.125,"end":925.605,"sentiment":"neutral","sentiment_score":-0.007603750098496675}],"sentiment":"neutral","sentiment_score":-0.015399825992062688,"channel":1,"num_words":4,"start":924.485,"end":925.605},{"sentences":[{"text":"That's","start":925.515,"end":925.835,"sentiment":"neutral","sentiment_score":-0.025573238730430603}],"sentiment":"neutral","sentiment_score":-0.025573238730430603,"channel":0,"num_words":1,"start":925.515,"end":925.835},{"sentences":[{"text":"roughly","start":925.605,"end":925.925,"sentiment":"neutral","sentiment_score":-0.04978914558887482}],"sentiment":"neutral","sentiment_score":-0.04978914558887482,"channel":1,"num_words":1,"start":925.605,"end":925.925},{"sentences":[{"text":"okay.","start":925.835,"end":926.335,"sentiment":"neutral","sentiment_score":-0.022557992488145828}],"sentiment":"neutral","sentiment_score":-0.022557992488145828,"channel":0,"num_words":1,"start":925.835,"end":926.335},{"sentences":[{"text":"that.","start":925.925,"end":926.245,"sentiment":"neutral","sentiment_score":-0.026778429746627808},{"text":"Possibly","start":926.245,"end":926.745,"sentiment":"neutral","sentiment_score":-0.03497753664851189}],"sentiment":"neutral","sentiment_score":-0.030877983197569847,"channel":1,"num_words":2,"start":925.925,"end":926.745},{"sentences":[{"text":"Yeah.","start":926.79504,"end":927.115,"sentiment":"neutral","sentiment_score":-0.031330764293670654}],"sentiment":"neutral","sentiment_score":-0.031330764293670654,"channel":0,"num_words":1,"start":926.79504,"end":927.115},{"sentences":[{"text":"more, possibly","start":926.805,"end":927.545,"sentiment":"neutral","sentiment_score":-0.03781653568148613}],"sentiment":"neutral","sentiment_score":-0.03781653568148613,"channel":1,"num_words":2,"start":926.805,"end":927.545},{"sentences":[{"text":"That","start":927.115,"end":927.35504,"sentiment":"neutral","sentiment_score":-0.04176751896739006}],"sentiment":"neutral","sentiment_score":-0.04176751896739006,"channel":0,"num_words":1,"start":927.115,"end":927.35504},{"sentences":[{"text":"less.","start":927.605,"end":927.845,"sentiment":"neutral","sentiment_score":-0.04842076450586319},{"text":"But, yeah, that seems to be","start":927.845,"end":929.1,"sentiment":"neutral","sentiment_score":-0.08210737879077594}],"sentiment":"neutral","sentiment_score":-0.07729500532150269,"channel":1,"num_words":7,"start":927.605,"end":929.1},{"sentences":[{"text":"yeah.","start":928.955,"end":929.455,"sentiment":"neutral","sentiment_score":-0.07716986536979675},{"text":"It's a bit difficult with content because, realistically, when you think about it, if you tip your house upside down, everything falls out.","start":929.515,"end":935.46,"sentiment":"neutral","sentiment_score":-0.15932735217654187},{"text":"The","start":935.54004,"end":935.62,"sentiment":"neutral","sentiment_score":-0.04407636076211929}],"sentiment":"neutral","sentiment_score":-0.15143101304769516,"channel":0,"num_words":25,"start":928.955,"end":935.62},{"sentences":[{"text":"right.","start":935.57996,"end":935.74,"sentiment":"neutral","sentiment_score":-0.03312741592526436}],"sentiment":"neutral","sentiment_score":-0.03312741592526436,"channel":1,"num_words":1,"start":935.57996,"end":935.74},{"sentences":[{"text":"cost","start":935.62,"end":935.86005,"sentiment":"neutral","sentiment_score":-0.021425914019346237}],"sentiment":"neutral","sentiment_score":-0.021425914019346237,"channel":0,"num_words":1,"start":935.62,"end":935.86005},{"sentences":[{"text":"Yeah.","start":935.74,"end":936.24,"sentiment":"neutral","sentiment_score":-0.03123476728796959}],"sentiment":"neutral","sentiment_score":-0.03123476728796959,"channel":1,"num_words":1,"start":935.74,"end":936.24},{"sentences":[{"text":"of replacing that could be different depending on where you shop, what you buy, what you want,","start":935.86005,"end":940.04004,"sentiment":"neutral","sentiment_score":-0.026908987804370767}],"sentiment":"neutral","sentiment_score":-0.026908987804370767,"channel":0,"num_words":17,"start":935.86005,"end":940.04004},{"sentences":[{"text":"Yep.","start":939.57996,"end":940.07996,"sentiment":"neutral","sentiment_score":0.007441205438226461}],"sentiment":"neutral","sentiment_score":0.007441205438226461,"channel":1,"num_words":1,"start":939.57996,"end":940.07996},{"sentences":[{"text":"you how many","start":940.10004,"end":940.5,"sentiment":"neutral","sentiment_score":0.0035654945919911065}],"sentiment":"neutral","sentiment_score":0.0035654945919911065,"channel":0,"num_words":3,"start":940.10004,"end":940.5},{"sentences":[{"text":"Yep.","start":940.38,"end":940.88,"sentiment":"neutral","sentiment_score":0.001946755452081561}],"sentiment":"neutral","sentiment_score":0.001946755452081561,"channel":1,"num_words":1,"start":940.38,"end":940.88},{"sentences":[{"text":"kids you've got.","start":940.5,"end":941.14,"sentiment":"neutral","sentiment_score":0.0017722481861710555},{"text":"There's so many other factors there.","start":941.14,"end":942.82,"sentiment":"neutral","sentiment_score":-0.004936118920644124},{"text":"So","start":942.82,"end":943.02,"sentiment":"neutral","sentiment_score":0.026350360363721848}],"sentiment":"neutral","sentiment_score":0.0002050391398370266,"channel":0,"num_words":10,"start":940.5,"end":943.02},{"sentences":[{"text":"Yep.","start":943.18,"end":943.545,"sentiment":"neutral","sentiment_score":0.04370145499706268}],"sentiment":"neutral","sentiment_score":0.04370145499706268,"channel":1,"num_words":1,"start":943.18,"end":943.545},{"sentences":[{"text":"yeah.","start":943.22003,"end":943.72003,"sentiment":"neutral","sentiment_score":0.12334337830543518},{"text":"Perfect.","start":944.98004,"end":945.48004,"sentiment":"neutral","sentiment_score":0.2509145438671112},{"text":"Other than that, income wise, we had you earning about 180,000 last year.","start":946.42004,"end":951.675,"sentiment":"neutral","sentiment_score":0.043565866035910755},{"text":"Have you had I know you said you weren't sure about the pay rise, but any pay rises recently or coming up?","start":951.675,"end":956.815,"sentiment":"neutral","sentiment_score":-0.022472137669948013}],"sentiment":"neutral","sentiment_score":0.012060193294608916,"channel":0,"num_words":37,"start":943.22003,"end":956.815},{"sentences":[{"text":"I think I'm probably sitting around 200,","start":957.09,"end":959.35004,"sentiment":"neutral","sentiment_score":0.014406806922384672}],"sentiment":"neutral","sentiment_score":0.014406806922384672,"channel":1,"num_words":7,"start":957.09,"end":959.35004},{"sentences":[{"text":"Oh, fantastic.","start":959.995,"end":960.815,"sentiment":"positive","sentiment_score":0.5492854714393616}],"sentiment":"positive","sentiment_score":0.5492854714393616,"channel":0,"num_words":2,"start":959.995,"end":960.815},{"sentences":[{"text":"roughly.","start":961.49005,"end":961.99005,"sentiment":"neutral","sentiment_score":0.31100088357925415}],"sentiment":"neutral","sentiment_score":0.31100088357925415,"channel":1,"num_words":1,"start":961.49005,"end":961.99005},{"sentences":[{"text":"Yep.","start":962.715,"end":963.115,"sentiment":"positive","sentiment_score":0.4109658896923065},{"text":"Beautiful.","start":963.115,"end":963.615,"sentiment":"positive","sentiment_score":0.6758372783660889},{"text":"Well, you're definitely worth more.","start":963.675,"end":965.215,"sentiment":"positive","sentiment_score":0.5700552821159363}],"sentiment":"positive","sentiment_score":0.5624399398054395,"channel":0,"num_words":7,"start":962.715,"end":965.215},{"sentences":[{"text":"That's what I keep telling them.","start":965.81,"end":967.43005,"sentiment":"neutral","sentiment_score":0.25688595324754715},{"text":"That's what I","start":969.275,"end":969.835,"sentiment":"neutral","sentiment_score":0.2544197787841161}],"sentiment":"neutral","sentiment_score":0.25606389509307015,"channel":1,"num_words":9,"start":965.81,"end":969.835},{"sentences":[{"text":"All","start":969.68,"end":970.0,"sentiment":"positive","sentiment_score":0.34288090467453003}],"sentiment":"positive","sentiment_score":0.34288090467453003,"channel":0,"num_words":1,"start":969.68,"end":970.0},{"sentences":[{"text":"keep","start":969.835,"end":970.155,"sentiment":"neutral","sentiment_score":0.26950129866600037}],"sentiment":"neutral","sentiment_score":0.26950129866600037,"channel":1,"num_words":1,"start":969.835,"end":970.155},{"sentences":[{"text":"good.","start":970.0,"end":970.5,"sentiment":"positive","sentiment_score":0.35734444856643677}],"sentiment":"positive","sentiment_score":0.35734444856643677,"channel":0,"num_words":1,"start":970.0,"end":970.5},{"sentences":[{"text":"telling them.","start":970.155,"end":970.895,"sentiment":"neutral","sentiment_score":0.16536785289645195},{"text":"Yeah.","start":971.675,"end":972.175,"sentiment":"neutral","sentiment_score":0.07007886469364166},{"text":"Anyway","start":972.47504,"end":972.97504,"sentiment":"neutral","sentiment_score":0.01708275079727173}],"sentiment":"neutral","sentiment_score":0.10447433032095432,"channel":1,"num_words":4,"start":970.155,"end":972.97504},{"sentences":[{"text":"No.","start":972.88,"end":973.38,"sentiment":"neutral","sentiment_score":-0.018284328281879425},{"text":"Yeah.","start":973.68,"end":974.0,"sentiment":"neutral","sentiment_score":0.029203087091445923},{"text":"No.","start":974.0,"end":974.16003,"sentiment":"neutral","sentiment_score":-0.0061679743230342865},{"text":"That's perfect.","start":974.16003,"end":974.96,"sentiment":"positive","sentiment_score":0.3630087077617645},{"text":"And I've got down here that you're managing to save roughly about 250 per week.","start":974.96,"end":979.36005,"sentiment":"neutral","sentiment_score":0.1667507454752922}],"sentiment":"neutral","sentiment_score":0.1616014691069722,"channel":0,"num_words":20,"start":972.88,"end":979.36005},{"sentences":[{"text":"Are you still finding to that right, or is it a bit tougher with the way everything costs?","start":979.36005,"end":983.825,"sentiment":"neutral","sentiment_score":-0.023236126742429204}],"sentiment":"neutral","sentiment_score":-0.023236126742429204,"channel":0,"num_words":18,"start":979.36005,"end":983.825},{"sentences":[{"text":"No.","start":984.74,"end":985.24,"sentiment":"neutral","sentiment_score":-0.017446022480726242},{"text":"I I think we do quite well, Simon.","start":985.86,"end":987.72003,"sentiment":"neutral","sentiment_score":0.1739478064700961}],"sentiment":"neutral","sentiment_score":0.1526818254755603,"channel":1,"num_words":9,"start":984.74,"end":987.72003},{"sentences":[{"text":"Yeah.","start":987.965,"end":988.465,"sentiment":"neutral","sentiment_score":0.10698263347148897}],"sentiment":"neutral","sentiment_score":0.10698263347148897,"channel":0,"num_words":1,"start":987.965,"end":988.465},{"sentences":[{"text":"There's probably more than","start":988.10004,"end":989.22003,"sentiment":"neutral","sentiment_score":0.0440511554479599}],"sentiment":"neutral","sentiment_score":0.0440511554479599,"channel":1,"num_words":4,"start":988.10004,"end":989.22003},{"sentences":[{"text":"Yeah.","start":989.085,"end":989.585,"sentiment":"neutral","sentiment_score":0.01949084922671318}],"sentiment":"neutral","sentiment_score":0.01949084922671318,"channel":0,"num_words":1,"start":989.085,"end":989.585},{"sentences":[{"text":"that.","start":989.22003,"end":989.62,"sentiment":"neutral","sentiment_score":0.03171006590127945},{"text":"Yeah.","start":989.62,"end":990.12,"sentiment":"neutral","sentiment_score":0.04328597709536552},{"text":"It'd be","start":990.26,"end":990.82,"sentiment":"neutral","sentiment_score":0.03729251213371754}],"sentiment":"neutral","sentiment_score":0.03739526681602001,"channel":1,"num_words":4,"start":989.22003,"end":990.82},{"sentences":[{"text":"That's","start":990.765,"end":991.085,"sentiment":"neutral","sentiment_score":0.09396253526210784}],"sentiment":"neutral","sentiment_score":0.09396253526210784,"channel":0,"num_words":1,"start":990.765,"end":991.085},{"sentences":[{"text":"a lot","start":990.82,"end":991.14,"sentiment":"neutral","sentiment_score":0.10097183287143707}],"sentiment":"neutral","sentiment_score":0.10097183287143707,"channel":1,"num_words":2,"start":990.82,"end":991.14},{"sentences":[{"text":"okay.","start":991.085,"end":991.585,"sentiment":"neutral","sentiment_score":0.10427051782608032}],"sentiment":"neutral","sentiment_score":0.10427051782608032,"channel":0,"num_words":1,"start":991.085,"end":991.585},{"sentences":[{"text":"more than that with","start":991.14,"end":992.42,"sentiment":"neutral","sentiment_score":0.0697565097361803}],"sentiment":"neutral","sentiment_score":0.0697565097361803,"channel":1,"num_words":4,"start":991.14,"end":992.42},{"sentences":[{"text":"Yeah.","start":992.365,"end":992.865,"sentiment":"neutral","sentiment_score":0.09898895025253296}],"sentiment":"neutral","sentiment_score":0.09898895025253296,"channel":0,"num_words":1,"start":992.365,"end":992.865},{"sentences":[{"text":"what's fitting.","start":992.42,"end":993.46,"sentiment":"neutral","sentiment_score":0.1129564680159092},{"text":"Right?","start":993.46,"end":993.96,"sentiment":"neutral","sentiment_score":0.08447585254907608}],"sentiment":"neutral","sentiment_score":0.10346292952696483,"channel":1,"num_words":3,"start":992.42,"end":993.96},{"sentences":[{"text":"Yep.","start":994.37,"end":994.77,"sentiment":"neutral","sentiment_score":0.087082140147686},{"text":"That's okay.","start":994.77,"end":995.65,"sentiment":"neutral","sentiment_score":0.13663915544748306},{"text":"Not a problem at all.","start":995.65,"end":997.03,"sentiment":"neutral","sentiment_score":0.16313839554786683},{"text":"Having a look at your beneficiaries.","start":997.81,"end":1000.31,"sentiment":"neutral","sentiment_score":0.04051635103921095},{"text":"Now I can see we have sent out some beneficiary forms to you, but it looks like we still don't have them returned.","start":1000.37,"end":1005.33,"sentiment":"neutral","sentiment_score":-0.015528352931141853}],"sentiment":"neutral","sentiment_score":0.028702659935161873,"channel":0,"num_words":37,"start":994.37,"end":1005.33},{"sentences":[{"text":"So we don't actually have beneficiary nominations placed on your three for your one pass policy at the moment.","start":1005.33,"end":1010.285,"sentiment":"neutral","sentiment_score":-0.07146558224370606},{"text":"I do wanna","start":1010.505,"end":1011.145,"sentiment":"neutral","sentiment_score":0.03608019712070624}],"sentiment":"neutral","sentiment_score":-0.05680024869401346,"channel":0,"num_words":22,"start":1005.33,"end":1011.145},{"sentences":[{"text":"You're right.","start":1010.925,"end":1011.58496,"sentiment":"neutral","sentiment_score":0.08496249467134476}],"sentiment":"neutral","sentiment_score":0.08496249467134476,"channel":1,"num_words":2,"start":1010.925,"end":1011.58496},{"sentences":[{"text":"try and get those applied, so I wanna help you to have those completed.","start":1011.145,"end":1014.445,"sentiment":"neutral","sentiment_score":0.10129971749016217}],"sentiment":"neutral","sentiment_score":0.10129971749016217,"channel":0,"num_words":14,"start":1011.145,"end":1014.445},{"sentences":[{"text":"Yes.","start":1015.14,"end":1015.38,"sentiment":"neutral","sentiment_score":0.04079443961381912},{"text":"Let's","start":1015.38,"end":1015.62,"sentiment":"neutral","sentiment_score":0.02488316223025322}],"sentiment":"neutral","sentiment_score":0.03283880092203617,"channel":1,"num_words":2,"start":1015.14,"end":1015.62},{"sentences":[{"text":"Are","start":1015.46497,"end":1015.625,"sentiment":"neutral","sentiment_score":0.026925072073936462}],"sentiment":"neutral","sentiment_score":0.026925072073936462,"channel":0,"num_words":1,"start":1015.46497,"end":1015.625},{"sentences":[{"text":"do","start":1015.62,"end":1015.86005,"sentiment":"neutral","sentiment_score":0.04983629286289215}],"sentiment":"neutral","sentiment_score":0.04983629286289215,"channel":1,"num_words":1,"start":1015.62,"end":1015.86005},{"sentences":[{"text":"you","start":1015.625,"end":1015.865,"sentiment":"neutral","sentiment_score":0.04926124960184097}],"sentiment":"neutral","sentiment_score":0.04926124960184097,"channel":0,"num_words":1,"start":1015.625,"end":1015.865},{"sentences":[{"text":"that.","start":1015.86005,"end":1016.36005,"sentiment":"neutral","sentiment_score":0.03555106371641159}],"sentiment":"neutral","sentiment_score":0.03555106371641159,"channel":1,"num_words":1,"start":1015.86005,"end":1016.36005},{"sentences":[{"text":"okay yeah.","start":1015.865,"end":1017.065,"sentiment":"neutral","sentiment_score":0.056379321962594986},{"text":"Is you okay if we pre fill them all for you?","start":1017.065,"end":1019.945,"sentiment":"neutral","sentiment_score":0.060034089467742226},{"text":"I obviously wanna double check that you do want Jackie as your beneficiary on your super and your life cover.","start":1019.945,"end":1022.265,"sentiment":"neutral","sentiment_score":0.07615031078457832},{"text":"Yep.","start":1022.265,"end":1022.765,"sentiment":"neutral","sentiment_score":0.06521129608154297}],"sentiment":"neutral","sentiment_score":0.06945150411304306,"channel":0,"num_words":34,"start":1015.865,"end":1022.765},{"sentences":[{"text":"Yep.","start":1022.74005,"end":1023.24005,"sentiment":"neutral","sentiment_score":0.061171822249889374},{"text":"Yep.","start":1025.3,"end":1025.8,"sentiment":"neutral","sentiment_score":0.07417330145835876}],"sentiment":"neutral","sentiment_score":0.06767256185412407,"channel":1,"num_words":2,"start":1022.74005,"end":1025.8},{"sentences":[{"text":"Super annual life cover.","start":1025.65,"end":1027.0901,"sentiment":"neutral","sentiment_score":0.14867830276489258},{"text":"Yep.","start":1027.0901,"end":1027.5901,"sentiment":"neutral","sentiment_score":0.09438440203666688}],"sentiment":"neutral","sentiment_score":0.13781952261924743,"channel":0,"num_words":5,"start":1025.65,"end":1027.5901},{"sentences":[{"text":"Yep.","start":1027.3,"end":1027.8,"sentiment":"neutral","sentiment_score":0.08848118782043457},{"text":"Yeah.","start":1027.86,"end":1028.18,"sentiment":"neutral","sentiment_score":0.13361208140850067},{"text":"I I should","start":1028.18,"end":1028.74,"sentiment":"neutral","sentiment_score":0.21114146212736765}],"sentiment":"neutral","sentiment_score":0.17110353112220764,"channel":1,"num_words":5,"start":1027.3,"end":1028.74},{"sentences":[{"text":"Beautiful.","start":1028.53,"end":1029.03,"sentiment":"neutral","sentiment_score":0.2972294092178345}],"sentiment":"neutral","sentiment_score":0.2972294092178345,"channel":0,"num_words":1,"start":1028.53,"end":1029.03},{"sentences":[{"text":"do that.","start":1028.74,"end":1029.225,"sentiment":"neutral","sentiment_score":0.22864847630262375}],"sentiment":"neutral","sentiment_score":0.22864847630262375,"channel":1,"num_words":2,"start":1028.74,"end":1029.225},{"sentences":[{"text":"That's okay.","start":1029.89,"end":1030.61,"sentiment":"neutral","sentiment_score":0.18713323026895523},{"text":"If you if you're","start":1030.61,"end":1031.41,"sentiment":"neutral","sentiment_score":0.10830792412161827}],"sentiment":"neutral","sentiment_score":0.1345830261707306,"channel":0,"num_words":6,"start":1029.89,"end":1031.41},{"sentences":[{"text":"Yep.","start":1031.225,"end":1031.725,"sentiment":"neutral","sentiment_score":0.08630417287349701}],"sentiment":"neutral","sentiment_score":0.08630417287349701,"channel":1,"num_words":1,"start":1031.225,"end":1031.725},{"sentences":[{"text":"comfortable and you approve it, I can get my team to prefill the information.","start":1031.41,"end":1034.63,"sentiment":"neutral","sentiment_score":0.1395573184958526},{"text":"We obviously do have all of Jackie's details.","start":1034.6901,"end":1036.87,"sentiment":"neutral","sentiment_score":0.12322807777673006},{"text":"So we can prefill it for you and send it out, and","start":1036.93,"end":1040.635,"sentiment":"neutral","sentiment_score":0.11021667780975501}],"sentiment":"neutral","sentiment_score":0.12535962396684816,"channel":0,"num_words":34,"start":1031.41,"end":1040.635},{"sentences":[{"text":"That'd","start":1040.505,"end":1040.825,"sentiment":"neutral","sentiment_score":0.08673577010631561}],"sentiment":"neutral","sentiment_score":0.08673577010631561,"channel":1,"num_words":1,"start":1040.505,"end":1040.825},{"sentences":[{"text":"then you've","start":1040.635,"end":1041.115,"sentiment":"neutral","sentiment_score":0.10126745328307152}],"sentiment":"neutral","sentiment_score":0.10126745328307152,"channel":0,"num_words":2,"start":1040.635,"end":1041.115},{"sentences":[{"text":"be sensational.","start":1040.825,"end":1041.565,"sentiment":"neutral","sentiment_score":0.08749837800860405}],"sentiment":"neutral","sentiment_score":0.08749837800860405,"channel":1,"num_words":2,"start":1040.825,"end":1041.565},{"sentences":[{"text":"just gotta sign sorry.","start":1041.115,"end":1043.115,"sentiment":"neutral","sentiment_score":-0.019658027216792107},{"text":"Yeah.","start":1043.115,"end":1043.615,"sentiment":"neutral","sentiment_score":0.015059270896017551}],"sentiment":"neutral","sentiment_score":-0.012714567594230175,"channel":0,"num_words":5,"start":1041.115,"end":1043.615},{"sentences":[{"text":"Yep.","start":1043.865,"end":1044.24,"sentiment":"neutral","sentiment_score":0.02384042739868164},{"text":"Yep.","start":1044.32,"end":1044.4,"sentiment":"neutral","sentiment_score":0.023573055863380432},{"text":"That'd be","start":1044.4,"end":1045.22,"sentiment":"neutral","sentiment_score":0.018160316161811352}],"sentiment":"neutral","sentiment_score":0.020933528896421194,"channel":1,"num_words":4,"start":1043.865,"end":1045.22},{"sentences":[{"text":"If we just gotta get it signed and witnessed, a witness just","start":1045.995,"end":1049.035,"sentiment":"neutral","sentiment_score":0.010590145364403725}],"sentiment":"neutral","sentiment_score":0.010590145364403725,"channel":0,"num_words":12,"start":1045.995,"end":1049.035},{"sentences":[{"text":"sensational.","start":1048.96,"end":1049.46,"sentiment":"neutral","sentiment_score":-0.004140171222388744}],"sentiment":"neutral","sentiment_score":-0.004140171222388744,"channel":1,"num_words":1,"start":1048.96,"end":1049.46},{"sentences":[{"text":"can't be Daphne as she'll be the beneficiary.","start":1049.035,"end":1050.895,"sentiment":"neutral","sentiment_score":-0.0046607401163782924},{"text":"But if you've got two mates or neighbors or, you know, brother or sister or mom or dad or or someone else that can just witness it for you the day you sign it, shoot them back","start":1050.955,"end":1058.66,"sentiment":"neutral","sentiment_score":0.03792233342254484}],"sentiment":"neutral","sentiment_score":0.030352009237847394,"channel":0,"num_words":45,"start":1049.035,"end":1058.66},{"sentences":[{"text":"Yep.","start":1058.515,"end":1059.015,"sentiment":"neutral","sentiment_score":0.009576701559126375}],"sentiment":"neutral","sentiment_score":0.009576701559126375,"channel":1,"num_words":1,"start":1058.515,"end":1059.015},{"sentences":[{"text":"to us in the post or email, and we will make sure they are applied for you.","start":1058.66,"end":1063.6201,"sentiment":"neutral","sentiment_score":0.05639299268231673},{"text":"Because it's something that I know we've been trying to do, and I","start":1063.6201,"end":1066.285,"sentiment":"neutral","sentiment_score":0.025488410145044327}],"sentiment":"neutral","sentiment_score":0.04300100691616535,"channel":0,"num_words":30,"start":1058.66,"end":1066.285},{"sentences":[{"text":"Yep.","start":1066.275,"end":1066.775,"sentiment":"neutral","sentiment_score":0.03964977711439133}],"sentiment":"neutral","sentiment_score":0.03964977711439133,"channel":1,"num_words":1,"start":1066.275,"end":1066.775},{"sentences":[{"text":"wanna try and make sure that that's covered.","start":1066.285,"end":1068.045,"sentiment":"neutral","sentiment_score":0.0640072887763381},{"text":"So if anything happens, having","start":1068.045,"end":1069.645,"sentiment":"neutral","sentiment_score":0.011213622614741325}],"sentiment":"neutral","sentiment_score":0.04370203256033934,"channel":0,"num_words":13,"start":1066.285,"end":1069.645},{"sentences":[{"text":"Yeah.","start":1069.555,"end":1070.055,"sentiment":"neutral","sentiment_score":0.017363514751195908}],"sentiment":"neutral","sentiment_score":0.017363514751195908,"channel":1,"num_words":1,"start":1069.555,"end":1070.055},{"sentences":[{"text":"your super and your life insurance is one thing, but making sure she actually gets the money in the","start":1069.645,"end":1073.725,"sentiment":"neutral","sentiment_score":0.03181283342603006}],"sentiment":"neutral","sentiment_score":0.03181283342603006,"channel":0,"num_words":19,"start":1069.645,"end":1073.725},{"sentences":[{"text":"Yep.","start":1073.61,"end":1074.11,"sentiment":"neutral","sentiment_score":0.020626336336135864}],"sentiment":"neutral","sentiment_score":0.020626336336135864,"channel":1,"num_words":1,"start":1073.61,"end":1074.11},{"sentences":[{"text":"event that's having a curve would be another story.","start":1073.725,"end":1076.205,"sentiment":"neutral","sentiment_score":-0.05028777031434907},{"text":"So beautiful.","start":1076.205,"end":1078.88,"sentiment":"positive","sentiment_score":0.6687365174293518},{"text":"I will make sure that is done, and I will get Michelle, my admin team member, to pre fill them.","start":1079.18,"end":1084.46,"sentiment":"neutral","sentiment_score":0.2832268975675106},{"text":"She'll send them out to you, and then she'll follow you up a little bit to make sure they come back as well.","start":1084.46,"end":1088.78,"sentiment":"neutral","sentiment_score":0.1989025363455648},{"text":"Okay?","start":1088.78,"end":1089.28,"sentiment":"neutral","sentiment_score":0.093526229262352}],"sentiment":"neutral","sentiment_score":0.20395828397436574,"channel":0,"num_words":55,"start":1073.725,"end":1089.28},{"sentences":[{"text":"Yep.","start":1089.1749,"end":1089.6749,"sentiment":"neutral","sentiment_score":0.10380999743938446},{"text":"Yep.","start":1090.0549,"end":1090.215,"sentiment":"neutral","sentiment_score":0.1713448464870453},{"text":"Beautiful.","start":1090.215,"end":1090.715,"sentiment":"positive","sentiment_score":0.6385703086853027}],"sentiment":"neutral","sentiment_score":0.3045750508705775,"channel":1,"num_words":3,"start":1089.1749,"end":1090.715},{"sentences":[{"text":"Beautiful.","start":1091.375,"end":1091.875,"sentiment":"positive","sentiment_score":0.6678410768508911},{"text":"All good.","start":1092.095,"end":1092.835,"sentiment":"positive","sentiment_score":0.575534462928772},{"text":"Other than that, I've got it noted here that you guys do have a will and power of attorney.","start":1093.0549,"end":1096.8949,"sentiment":"neutral","sentiment_score":0.11555313201327073},{"text":"Everything is up to date.","start":1096.8949,"end":1098.1749,"sentiment":"neutral","sentiment_score":0.14540473520755767},{"text":"Is that is","start":1098.1749,"end":1098.815,"sentiment":"neutral","sentiment_score":0.1010407879948616}],"sentiment":"neutral","sentiment_score":0.16815218503276508,"channel":0,"num_words":30,"start":1091.375,"end":1098.815},{"sentences":[{"text":"Yep.","start":1098.695,"end":1099.195,"sentiment":"neutral","sentiment_score":0.09509001672267914}],"sentiment":"neutral","sentiment_score":0.09509001672267914,"channel":1,"num_words":1,"start":1098.695,"end":1099.195},{"sentences":[{"text":"that also reflective of your wishes?","start":1098.815,"end":1100.6749,"sentiment":"neutral","sentiment_score":0.10218206172188123}],"sentiment":"neutral","sentiment_score":0.10218206172188123,"channel":0,"num_words":6,"start":1098.815,"end":1100.6749},{"sentences":[{"text":"Yep.","start":1101.335,"end":1101.45,"sentiment":"neutral","sentiment_score":0.09093919396400452}],"sentiment":"neutral","sentiment_score":0.09093919396400452,"channel":1,"num_words":1,"start":1101.335,"end":1101.45},{"sentences":[{"text":"Yes.","start":1102.0149,"end":1102.495,"sentiment":"neutral","sentiment_score":0.23851364850997925},{"text":"Perfect.","start":1102.495,"end":1102.995,"sentiment":"positive","sentiment_score":0.6107016801834106},{"text":"Fantastic.","start":1103.375,"end":1103.875,"sentiment":"positive","sentiment_score":0.6888701915740967},{"text":"Having a look, everything else looks pretty good.","start":1105.63,"end":1108.11,"sentiment":"positive","sentiment_score":0.6219782382249832},{"text":"I'll get the annual review pack out to you there.","start":1108.11,"end":1110.11,"sentiment":"positive","sentiment_score":0.3631149590015411}],"sentiment":"positive","sentiment_score":0.48309814362298875,"channel":0,"num_words":21,"start":1102.0149,"end":1110.11},{"sentences":[{"text":"It will have a copy of all the documents that I've gone through giving you the city of currency and also an update on your superannuation side of things with the so ongoing service agreement there as well.","start":1110.11,"end":1121.8049,"sentiment":"neutral","sentiment_score":0.21986700437570872},{"text":"So your ongoing service fee you pay to us is 1.1%.","start":1121.8049,"end":1125.985,"sentiment":"neutral","sentiment_score":0.058052342385053635}],"sentiment":"neutral","sentiment_score":0.18354126392882697,"channel":0,"num_words":49,"start":1110.11,"end":1125.985},{"sentences":[{"text":"Yep.","start":1126.425,"end":1126.925,"sentiment":"neutral","sentiment_score":0.04483318328857422}],"sentiment":"neutral","sentiment_score":0.04483318328857422,"channel":1,"num_words":1,"start":1126.425,"end":1126.925},{"sentences":[{"text":"That's per annum, and then it's deducted in smaller monthly increments.","start":1127.4049,"end":1130.5449,"sentiment":"neutral","sentiment_score":0.0625992590053515},{"text":"It's the same as it was last year.","start":1130.605,"end":1132.125,"sentiment":"neutral","sentiment_score":0.0384827742818743},{"text":"I did try to reduce it a bit more, but, unfortunately, they wouldn't let me.","start":1132.125,"end":1136.1001,"sentiment":"neutral","sentiment_score":-0.24021545350551604},{"text":"I'm so sorry.","start":1136.1001,"end":1136.8201,"sentiment":"neutral","sentiment_score":-0.3028097450733185},{"text":"I'll keep trying.","start":1136.8201,"end":1137.8,"sentiment":"neutral","sentiment_score":-0.21670265992482504}],"sentiment":"neutral","sentiment_score":-0.10413287435658276,"channel":0,"num_words":40,"start":1127.4049,"end":1137.8},{"sentences":[{"text":"But, yeah, it","start":1139.9401,"end":1140.5,"sentiment":"neutral","sentiment_score":-0.023099875698486965}],"sentiment":"neutral","sentiment_score":-0.023099875698486965,"channel":0,"num_words":3,"start":1139.9401,"end":1140.5},{"sentences":[{"text":"Well,","start":1140.46,"end":1140.62,"sentiment":"neutral","sentiment_score":-0.027592550963163376}],"sentiment":"neutral","sentiment_score":-0.027592550963163376,"channel":1,"num_words":1,"start":1140.46,"end":1140.62},{"sentences":[{"text":"says","start":1140.5,"end":1140.7401,"sentiment":"neutral","sentiment_score":-0.03208012506365776}],"sentiment":"neutral","sentiment_score":-0.03208012506365776,"channel":0,"num_words":1,"start":1140.5,"end":1140.7401},{"sentences":[{"text":"I'm","start":1140.62,"end":1140.86,"sentiment":"neutral","sentiment_score":-0.03165515512228012}],"sentiment":"neutral","sentiment_score":-0.03165515512228012,"channel":1,"num_words":1,"start":1140.62,"end":1140.86},{"sentences":[{"text":"one","start":1140.7401,"end":1140.9801,"sentiment":"neutral","sentiment_score":-0.03698013722896576}],"sentiment":"neutral","sentiment_score":-0.03698013722896576,"channel":0,"num_words":1,"start":1140.7401,"end":1140.9801},{"sentences":[{"text":"willing","start":1140.86,"end":1141.1799,"sentiment":"neutral","sentiment_score":-0.015784181654453278}],"sentiment":"neutral","sentiment_score":-0.015784181654453278,"channel":1,"num_words":1,"start":1140.86,"end":1141.1799},{"sentences":[{"text":"point","start":1140.9801,"end":1141.2201,"sentiment":"neutral","sentiment_score":-0.014984898269176483}],"sentiment":"neutral","sentiment_score":-0.014984898269176483,"channel":0,"num_words":1,"start":1140.9801,"end":1141.2201},{"sentences":[{"text":"to","start":1141.1799,"end":1141.34,"sentiment":"neutral","sentiment_score":-0.011272739619016647}],"sentiment":"neutral","sentiment_score":-0.011272739619016647,"channel":1,"num_words":1,"start":1141.1799,"end":1141.34},{"sentences":[{"text":"one","start":1141.2201,"end":1141.4601,"sentiment":"neutral","sentiment_score":-0.05399250239133835}],"sentiment":"neutral","sentiment_score":-0.05399250239133835,"channel":0,"num_words":1,"start":1141.2201,"end":1141.4601},{"sentences":[{"text":"cut","start":1141.34,"end":1141.58,"sentiment":"neutral","sentiment_score":-0.007944513112306595}],"sentiment":"neutral","sentiment_score":-0.007944513112306595,"channel":1,"num_words":1,"start":1141.34,"end":1141.58},{"sentences":[{"text":"zero.","start":1141.4601,"end":1141.9601,"sentiment":"neutral","sentiment_score":-0.015150221064686775}],"sentiment":"neutral","sentiment_score":-0.015150221064686775,"channel":0,"num_words":1,"start":1141.4601,"end":1141.9601},{"sentences":[{"text":"deals.","start":1141.58,"end":1142.08,"sentiment":"neutral","sentiment_score":-0.00491986982524395},{"text":"We'll put it this well, if we do better than 11 half percent, let's say we go 13%, I'm happy to pay you, like, 1.2%.","start":1145.0549,"end":1152.575,"sentiment":"neutral","sentiment_score":0.131518524736166},{"text":"But if we don't go better than that, I'll pay, like, point nine.","start":1152.575,"end":1155.7949,"sentiment":"neutral","sentiment_score":-0.0002866503424369373}],"sentiment":"neutral","sentiment_score":0.0840850460032622,"channel":1,"num_words":39,"start":1141.58,"end":1155.7949},{"sentences":[{"text":"Yeah.","start":1156.605,"end":1157.085,"sentiment":"neutral","sentiment_score":0.072697214782238},{"text":"The","start":1157.085,"end":1157.245,"sentiment":"neutral","sentiment_score":0.0646495446562767}],"sentiment":"neutral","sentiment_score":0.06867337971925735,"channel":0,"num_words":2,"start":1156.605,"end":1157.245},{"sentences":[{"text":"And","start":1157.135,"end":1157.375,"sentiment":"neutral","sentiment_score":0.10076199471950532}],"sentiment":"neutral","sentiment_score":0.10076199471950532,"channel":1,"num_words":1,"start":1157.135,"end":1157.375},{"sentences":[{"text":"good","start":1157.245,"end":1157.405,"sentiment":"neutral","sentiment_score":0.1806629449129105}],"sentiment":"neutral","sentiment_score":0.1806629449129105,"channel":0,"num_words":1,"start":1157.245,"end":1157.405},{"sentences":[{"text":"how's","start":1157.375,"end":1157.615,"sentiment":"neutral","sentiment_score":0.12940464913845062}],"sentiment":"neutral","sentiment_score":0.12940464913845062,"channel":1,"num_words":1,"start":1157.375,"end":1157.615},{"sentences":[{"text":"thing","start":1157.405,"end":1157.645,"sentiment":"neutral","sentiment_score":0.1766100972890854}],"sentiment":"neutral","sentiment_score":0.1766100972890854,"channel":0,"num_words":1,"start":1157.405,"end":1157.645},{"sentences":[{"text":"that","start":1157.615,"end":1157.7749,"sentiment":"neutral","sentiment_score":0.163080096244812}],"sentiment":"neutral","sentiment_score":0.163080096244812,"channel":1,"num_words":1,"start":1157.615,"end":1157.7749},{"sentences":[{"text":"about","start":1157.645,"end":1157.885,"sentiment":"neutral","sentiment_score":0.1654195487499237}],"sentiment":"neutral","sentiment_score":0.1654195487499237,"channel":0,"num_words":1,"start":1157.645,"end":1157.885},{"sentences":[{"text":"for","start":1157.7749,"end":1157.9349,"sentiment":"neutral","sentiment_score":0.1677333116531372}],"sentiment":"neutral","sentiment_score":0.1677333116531372,"channel":1,"num_words":1,"start":1157.7749,"end":1157.9349},{"sentences":[{"text":"your","start":1157.885,"end":1158.125,"sentiment":"neutral","sentiment_score":0.14100556075572968}],"sentiment":"neutral","sentiment_score":0.14100556075572968,"channel":0,"num_words":1,"start":1157.885,"end":1158.125},{"sentences":[{"text":"you?","start":1157.9349,"end":1158.4349,"sentiment":"neutral","sentiment_score":0.14053675532341003}],"sentiment":"neutral","sentiment_score":0.14053675532341003,"channel":1,"num_words":1,"start":1157.9349,"end":1158.4349},{"sentences":[{"text":"ongoing it sounds really good.","start":1158.125,"end":1160.525,"sentiment":"neutral","sentiment_score":0.20222851037979125},{"text":"Unfortunately, I've gotta take it to my license fee.","start":1160.525,"end":1162.83,"sentiment":"negative","sentiment_score":-0.37852158149083454},{"text":"The good thing about the way the percentage fee works is that it does work in line with your super.","start":1163.3099,"end":1168.59,"sentiment":"positive","sentiment_score":0.6515439599752426},{"text":"So the more you make or the more of a return you get out of your super does mean the more","start":1168.59,"end":1173.23,"sentiment":"positive","sentiment_score":0.6418323374929882}],"sentiment":"positive","sentiment_score":0.4384328473698009,"channel":0,"num_words":55,"start":1158.125,"end":1173.23},{"sentences":[{"text":"Yep.","start":1173.1649,"end":1173.6649,"sentiment":"positive","sentiment_score":0.543024480342865}],"sentiment":"positive","sentiment_score":0.543024480342865,"channel":1,"num_words":1,"start":1173.1649,"end":1173.6649},{"sentences":[{"text":"that we make as well.","start":1173.23,"end":1174.4299,"sentiment":"positive","sentiment_score":0.5337568998336792},{"text":"And if to","start":1174.4299,"end":1174.99,"sentiment":"neutral","sentiment_score":0.2583159605662028}],"sentiment":"positive","sentiment_score":0.43046654760837555,"channel":0,"num_words":8,"start":1173.23,"end":1174.99},{"sentences":[{"text":"Yep.","start":1174.9249,"end":1175.4249,"sentiment":"neutral","sentiment_score":0.13305720686912537}],"sentiment":"neutral","sentiment_score":0.13305720686912537,"channel":1,"num_words":1,"start":1174.9249,"end":1175.4249},{"sentences":[{"text":"say we saw the market take a bit of a dip, it means that Outplay takes a bit of a dip with it as well.","start":1174.99,"end":1179.4451,"sentiment":"neutral","sentiment_score":0.1723236247897148},{"text":"So it does work out to your benefit in that scenario there.","start":1179.4451,"end":1183.305,"sentiment":"positive","sentiment_score":0.4385913709799449}],"sentiment":"neutral","sentiment_score":0.25868073166222183,"channel":0,"num_words":37,"start":1174.99,"end":1183.305},{"sentences":[{"text":"Yeah.","start":1183.325,"end":1183.485,"sentiment":"neutral","sentiment_score":0.16335873305797577},{"text":"Yep.","start":1183.485,"end":1183.985,"sentiment":"neutral","sentiment_score":0.15977589786052704}],"sentiment":"neutral","sentiment_score":0.1615673154592514,"channel":1,"num_words":2,"start":1183.325,"end":1183.985},{"sentences":[{"text":"But I know it's one thing that we did talk about last year, and I was like, look.","start":1183.525,"end":1186.405,"sentiment":"neutral","sentiment_score":0.06226177327334881},{"text":"I did go into bed.","start":1186.405,"end":1187.365,"sentiment":"neutral","sentiment_score":0.029016533121466636},{"text":"I did try.","start":1187.365,"end":1187.925,"sentiment":"neutral","sentiment_score":0.0425395363320907},{"text":"They said no, and I get","start":1187.925,"end":1189.365,"sentiment":"neutral","sentiment_score":-0.0071051424990097685}],"sentiment":"neutral","sentiment_score":0.04221194807905704,"channel":0,"num_words":32,"start":1183.525,"end":1189.365},{"sentences":[{"text":"Yep.","start":1189.3,"end":1189.8,"sentiment":"neutral","sentiment_score":0.03456529229879379}],"sentiment":"neutral","sentiment_score":0.03456529229879379,"channel":1,"num_words":1,"start":1189.3,"end":1189.8},{"sentences":[{"text":"that.","start":1189.365,"end":1189.605,"sentiment":"neutral","sentiment_score":0.06423714011907578},{"text":"It's okay.","start":1189.605,"end":1190.3451,"sentiment":"neutral","sentiment_score":0.14566531032323837},{"text":"But","start":1190.74,"end":1190.98,"sentiment":"neutral","sentiment_score":0.0729781910777092}],"sentiment":"neutral","sentiment_score":0.10713648796081543,"channel":0,"num_words":4,"start":1189.365,"end":1190.98},{"sentences":[{"text":"Yep.","start":1190.9,"end":1191.4,"sentiment":"neutral","sentiment_score":0.051440685987472534}],"sentiment":"neutral","sentiment_score":0.051440685987472534,"channel":1,"num_words":1,"start":1190.9,"end":1191.4},{"sentences":[{"text":"I still wanna make sure things are working harder for you.","start":1190.98,"end":1193.22,"sentiment":"neutral","sentiment_score":-0.12863119488412683},{"text":"So as your adviser, if I find that things aren't working and our fees should not be applied, I will go into that, and I will fight a lot harder for you.","start":1193.22,"end":1200.98,"sentiment":"neutral","sentiment_score":-0.12131180730648339},{"text":"But right now, you're making money.","start":1200.98,"end":1202.74,"sentiment":"positive","sentiment_score":0.47559256851673126},{"text":"You're doing really well.","start":1202.74,"end":1203.62,"sentiment":"positive","sentiment_score":0.7366410940885544},{"text":"Even in a really crazy volatile time, we saw some really hectic changes and drops in the market this year, especially around March 2728 with what was happening overseas.","start":1203.62,"end":1214.3551,"sentiment":"neutral","sentiment_score":-0.2490198296205751}],"sentiment":"neutral","sentiment_score":-0.08193141767164556,"channel":0,"num_words":82,"start":1190.98,"end":1214.3551},{"sentences":[{"text":"So your","start":1214.495,"end":1215.535,"sentiment":"positive","sentiment_score":0.36722929030656815}],"sentiment":"positive","sentiment_score":0.36722929030656815,"channel":0,"num_words":2,"start":1214.495,"end":1215.535},{"sentences":[{"text":"Yep.","start":1215.415,"end":1215.915,"sentiment":"positive","sentiment_score":0.38106295466423035}],"sentiment":"positive","sentiment_score":0.38106295466423035,"channel":1,"num_words":1,"start":1215.415,"end":1215.915},{"sentences":[{"text":"portfolio's weather the storm really, really nicely.","start":1215.535,"end":1218.435,"sentiment":"positive","sentiment_score":0.448337014232363}],"sentiment":"positive","sentiment_score":0.448337014232363,"channel":0,"num_words":7,"start":1215.535,"end":1218.435},{"sentences":[{"text":"Yep.","start":1219.23,"end":1219.73,"sentiment":"neutral","sentiment_score":0.06924393773078918}],"sentiment":"neutral","sentiment_score":0.06924393773078918,"channel":1,"num_words":1,"start":1219.23,"end":1219.73},{"sentences":[{"text":"Have I ever sort of explained to you have about the VIX index?","start":1220.3,"end":1225.02,"sentiment":"neutral","sentiment_score":0.035134475821485885},{"text":"This might be something that's kind of interesting to you.","start":1225.02,"end":1227.6,"sentiment":"neutral","sentiment_score":0.04711470939218998},{"text":"Have you ever seen or heard about what the VIX index is?","start":1227.74,"end":1230.9601,"sentiment":"neutral","sentiment_score":0.007275927423809965},{"text":"No.","start":1232.505,"end":1232.745,"sentiment":"neutral","sentiment_score":-0.03755411505699158},{"text":"So the VIX index, the BIX index,","start":1232.745,"end":1235.225,"sentiment":"neutral","sentiment_score":0.022097318566271236}],"sentiment":"neutral","sentiment_score":0.026333337757996348,"channel":0,"num_words":43,"start":1220.3,"end":1235.225},{"sentences":[{"text":"No.","start":1234.9651,"end":1235.4651,"sentiment":"neutral","sentiment_score":-0.010153630748391151}],"sentiment":"neutral","sentiment_score":-0.010153630748391151,"channel":1,"num_words":1,"start":1234.9651,"end":1235.4651},{"sentences":[{"text":"essentially tracks market volatility.","start":1235.225,"end":1237.245,"sentiment":"neutral","sentiment_score":-0.0017621787264943123},{"text":"If you ever get a chance to look at it, it's kind of exciting, kinda cool, but it works in The US stock market, essentially.","start":1237.865,"end":1244.4451,"sentiment":"neutral","sentiment_score":0.16125932335853577},{"text":"But whenever the VIX index is over 20%, it means that over the next thirty days, you can expect high volatility.","start":1244.505,"end":1251.11,"sentiment":"neutral","sentiment_score":0.06419306603215989},{"text":"And in","start":1251.81,"end":1252.13,"sentiment":"neutral","sentiment_score":0.10676109418272972}],"sentiment":"neutral","sentiment_score":0.1074232873865045,"channel":0,"num_words":52,"start":1235.225,"end":1252.13},{"sentences":[{"text":"Yep.","start":1251.98,"end":1252.48,"sentiment":"neutral","sentiment_score":0.1260555386543274}],"sentiment":"neutral","sentiment_score":0.1260555386543274,"channel":1,"num_words":1,"start":1251.98,"end":1252.48},{"sentences":[{"text":"around March, it got up to 31.65%.","start":1252.13,"end":1255.41,"sentiment":"neutral","sentiment_score":0.1888479675565447},{"text":"So it was pretty high.","start":1255.41,"end":1256.79,"sentiment":"neutral","sentiment_score":0.20377931892871856},{"text":"But whenever the VIX index goes down under 20%, it's an indicator that markets are gonna be fairly stable for the next sort of thirty days.","start":1257.17,"end":1264.615,"sentiment":"neutral","sentiment_score":0.0945023874250742},{"text":"So if you're ever sort of looking at things and hearing a lot of in the news of what's happening there, you always welcome to pull up the VIX index and have a bit of a look at where it's tracking and what it's sort of doing over the past, you know, couple of days,","start":1264.615,"end":1276.68,"sentiment":"neutral","sentiment_score":0.26291419782421804}],"sentiment":"neutral","sentiment_score":0.20707715398842289,"channel":0,"num_words":93,"start":1252.13,"end":1276.68},{"sentences":[{"text":"Yep.","start":1276.98,"end":1277.2999,"sentiment":"neutral","sentiment_score":0.1478678435087204},{"text":"So what","start":1277.2999,"end":1277.7,"sentiment":"neutral","sentiment_score":0.05825727805495262}],"sentiment":"neutral","sentiment_score":0.08812746653954188,"channel":1,"num_words":3,"start":1276.98,"end":1277.7},{"sentences":[{"text":"and it","start":1277.4801,"end":1277.88,"sentiment":"neutral","sentiment_score":0.042139921337366104}],"sentiment":"neutral","sentiment_score":0.042139921337366104,"channel":0,"num_words":2,"start":1277.4801,"end":1277.88},{"sentences":[{"text":"what were","start":1277.7,"end":1278.02,"sentiment":"neutral","sentiment_score":0.04020145535469055}],"sentiment":"neutral","sentiment_score":0.04020145535469055,"channel":1,"num_words":2,"start":1277.7,"end":1278.02},{"sentences":[{"text":"kinda","start":1277.88,"end":1278.12,"sentiment":"neutral","sentiment_score":0.04087517410516739}],"sentiment":"neutral","sentiment_score":0.04087517410516739,"channel":0,"num_words":1,"start":1277.88,"end":1278.12},{"sentences":[{"text":"the","start":1278.02,"end":1278.1799,"sentiment":"neutral","sentiment_score":0.03356283903121948}],"sentiment":"neutral","sentiment_score":0.03356283903121948,"channel":1,"num_words":1,"start":1278.02,"end":1278.1799},{"sentences":[{"text":"gives","start":1278.12,"end":1278.3601,"sentiment":"neutral","sentiment_score":0.034596651792526245}],"sentiment":"neutral","sentiment_score":0.034596651792526245,"channel":0,"num_words":1,"start":1278.12,"end":1278.3601},{"sentences":[{"text":"numbers","start":1278.1799,"end":1278.58,"sentiment":"neutral","sentiment_score":0.04527769237756729}],"sentiment":"neutral","sentiment_score":0.04527769237756729,"channel":1,"num_words":1,"start":1278.1799,"end":1278.58},{"sentences":[{"text":"you","start":1278.3601,"end":1278.6001,"sentiment":"neutral","sentiment_score":0.033176571130752563}],"sentiment":"neutral","sentiment_score":0.033176571130752563,"channel":0,"num_words":1,"start":1278.3601,"end":1278.6001},{"sentences":[{"text":"again?","start":1278.58,"end":1279.08,"sentiment":"neutral","sentiment_score":0.056556351482868195}],"sentiment":"neutral","sentiment_score":0.056556351482868195,"channel":1,"num_words":1,"start":1278.58,"end":1279.08},{"sentences":[{"text":"an index.","start":1278.6001,"end":1279.3401,"sentiment":"neutral","sentiment_score":0.019271370023489},{"text":"So","start":1280.3601,"end":1280.68,"sentiment":"neutral","sentiment_score":0.03830737993121147}],"sentiment":"neutral","sentiment_score":0.02561670665939649,"channel":0,"num_words":3,"start":1278.6001,"end":1280.68},{"sentences":[{"text":"Yep.","start":1280.6599,"end":1281.1599,"sentiment":"neutral","sentiment_score":0.04392044246196747}],"sentiment":"neutral","sentiment_score":0.04392044246196747,"channel":1,"num_words":1,"start":1280.6599,"end":1281.1599},{"sentences":[{"text":"20% is kind of the the the line of where you go from volatility to stable.","start":1280.68,"end":1287.1001,"sentiment":"neutral","sentiment_score":0.03681186866015196}],"sentiment":"neutral","sentiment_score":0.03681186866015196,"channel":0,"num_words":16,"start":1280.68,"end":1287.1001},{"sentences":[{"text":"Yeah.","start":1287.775,"end":1288.015,"sentiment":"neutral","sentiment_score":0.07262405008077621},{"text":"Righto.","start":1288.015,"end":1288.495,"sentiment":"neutral","sentiment_score":0.09895817935466766},{"text":"So twenty's like like, anything over 20, you're expecting a little bit of volatility.","start":1288.495,"end":1292.515,"sentiment":"neutral","sentiment_score":0.09029846319130488},{"text":"And below","start":1292.8151,"end":1293.615,"sentiment":"neutral","sentiment_score":0.0408228375017643}],"sentiment":"neutral","sentiment_score":0.08430035495095783,"channel":1,"num_words":18,"start":1287.775,"end":1293.615},{"sentences":[{"text":"Yep.","start":1293.225,"end":1293.725,"sentiment":"neutral","sentiment_score":0.04965853691101074}],"sentiment":"neutral","sentiment_score":0.04965853691101074,"channel":0,"num_words":1,"start":1293.225,"end":1293.725},{"sentences":[{"text":"that yeah.","start":1293.615,"end":1294.975,"sentiment":"neutral","sentiment_score":0.0798797570168972}],"sentiment":"neutral","sentiment_score":0.0798797570168972,"channel":1,"num_words":2,"start":1293.615,"end":1294.975},{"sentences":[{"text":"You're","start":1294.905,"end":1295.145,"sentiment":"neutral","sentiment_score":0.14008790254592896}],"sentiment":"neutral","sentiment_score":0.14008790254592896,"channel":0,"num_words":1,"start":1294.905,"end":1295.145},{"sentences":[{"text":"Righto.","start":1294.975,"end":1295.475,"sentiment":"neutral","sentiment_score":0.13866114616394043}],"sentiment":"neutral","sentiment_score":0.13866114616394043,"channel":1,"num_words":1,"start":1294.975,"end":1295.475},{"sentences":[{"text":"expecting some stability.","start":1295.145,"end":1296.445,"sentiment":"neutral","sentiment_score":0.10938892761866252},{"text":"Yeah.","start":1296.825,"end":1297.325,"sentiment":"neutral","sentiment_score":0.12175820767879486}],"sentiment":"neutral","sentiment_score":0.1124812476336956,"channel":0,"num_words":4,"start":1295.145,"end":1297.325},{"sentences":[{"text":"Yep.","start":1297.135,"end":1297.635,"sentiment":"neutral","sentiment_score":0.13536213338375092}],"sentiment":"neutral","sentiment_score":0.13536213338375092,"channel":1,"num_words":1,"start":1297.135,"end":1297.635},{"sentences":[{"text":"Yeah.","start":1297.385,"end":1297.885,"sentiment":"neutral","sentiment_score":0.1288924515247345}],"sentiment":"neutral","sentiment_score":0.1288924515247345,"channel":0,"num_words":1,"start":1297.385,"end":1297.885},{"sentences":[{"text":"Yeah.","start":1297.935,"end":1298.255,"sentiment":"neutral","sentiment_score":0.17926397919654846}],"sentiment":"neutral","sentiment_score":0.17926397919654846,"channel":1,"num_words":1,"start":1297.935,"end":1298.255},{"sentences":[{"text":"It's","start":1298.185,"end":1298.425,"sentiment":"neutral","sentiment_score":0.24171793460845947}],"sentiment":"neutral","sentiment_score":0.24171793460845947,"channel":0,"num_words":1,"start":1298.185,"end":1298.425},{"sentences":[{"text":"Righto.","start":1298.255,"end":1298.755,"sentiment":"neutral","sentiment_score":0.23873627185821533}],"sentiment":"neutral","sentiment_score":0.23873627185821533,"channel":1,"num_words":1,"start":1298.255,"end":1298.755},{"sentences":[{"text":"just a really cool indicator of kind of being usually, like, some of the indicators that we use to sorta help everyone so that people have got something they can kinda go to or a little bit of guidance there.","start":1298.425,"end":1309.5399,"sentiment":"neutral","sentiment_score":0.311583336815238},{"text":"Part of my job is not just about, you know, making money for you.","start":1309.5399,"end":1312.58,"sentiment":"neutral","sentiment_score":0.28098904128585545},{"text":"I do enjoy the educational value as well and, you know, utilizing and passing on some of the knowledge that I've been able to obtain.","start":1312.58,"end":1319.38,"sentiment":"positive","sentiment_score":0.4506099343299866},{"text":"So,","start":1319.38,"end":1319.805,"sentiment":"neutral","sentiment_score":0.28773772716522217}],"sentiment":"positive","sentiment_score":0.3493770767003298,"channel":0,"num_words":80,"start":1298.425,"end":1319.805},{"sentences":[{"text":"Yep.","start":1320.2051,"end":1320.7051,"sentiment":"neutral","sentiment_score":0.29588770866394043}],"sentiment":"neutral","sentiment_score":0.29588770866394043,"channel":1,"num_words":1,"start":1320.2051,"end":1320.7051},{"sentences":[{"text":"yes, it's kinda cool to have a look at, especially when you're hearing a lot of the news or people saying that things are going up and down.","start":1320.4451,"end":1326.285,"sentiment":"positive","sentiment_score":0.35261315426656176},{"text":"It just gives you another sort of point to have a look at if you ever wanted to.","start":1326.285,"end":1330.545,"sentiment":"neutral","sentiment_score":0.2400925854841868},{"text":"Okay.","start":1330.685,"end":1331.185,"sentiment":"neutral","sentiment_score":0.11383609473705292}],"sentiment":"neutral","sentiment_score":0.30443980750885413,"channel":0,"num_words":47,"start":1320.4451,"end":1331.185},{"sentences":[{"text":"Yes.","start":1330.7799,"end":1331.2799,"sentiment":"neutral","sentiment_score":0.12440074980258942},{"text":"Yes.","start":1331.58,"end":1332.08,"sentiment":"neutral","sentiment_score":0.16527925431728363},{"text":"So so","start":1332.38,"end":1333.5199,"sentiment":"neutral","sentiment_score":0.31375931203365326}],"sentiment":"neutral","sentiment_score":0.2292996570467949,"channel":1,"num_words":4,"start":1330.7799,"end":1333.5199},{"sentences":[{"text":"Easy.","start":1333.24,"end":1333.74,"sentiment":"neutral","sentiment_score":0.26857203245162964}],"sentiment":"neutral","sentiment_score":0.26857203245162964,"channel":0,"num_words":1,"start":1333.24,"end":1333.74},{"sentences":[{"text":"just","start":1333.58,"end":1333.8999,"sentiment":"neutral","sentiment_score":0.11413826793432236}],"sentiment":"neutral","sentiment_score":0.11413826793432236,"channel":1,"num_words":1,"start":1333.58,"end":1333.8999},{"sentences":[{"text":"Yeah.","start":1333.88,"end":1334.38,"sentiment":"neutral","sentiment_score":0.07972560822963715}],"sentiment":"neutral","sentiment_score":0.07972560822963715,"channel":0,"num_words":1,"start":1333.88,"end":1334.38},{"sentences":[{"text":"going back a","start":1333.8999,"end":1334.5399,"sentiment":"neutral","sentiment_score":0.03012403721610705}],"sentiment":"neutral","sentiment_score":0.03012403721610705,"channel":1,"num_words":3,"start":1333.8999,"end":1334.5399},{"sentences":[{"text":"Sure.","start":1334.52,"end":1335.02,"sentiment":"neutral","sentiment_score":0.04690025746822357}],"sentiment":"neutral","sentiment_score":0.04690025746822357,"channel":0,"num_words":1,"start":1334.52,"end":1335.02},{"sentences":[{"text":"step, the","start":1334.5399,"end":1335.74,"sentiment":"neutral","sentiment_score":0.04646412096917629}],"sentiment":"neutral","sentiment_score":0.04646412096917629,"channel":1,"num_words":2,"start":1334.5399,"end":1335.74},{"sentences":[{"text":"Sure.","start":1335.72,"end":1336.22,"sentiment":"neutral","sentiment_score":0.03323742002248764}],"sentiment":"neutral","sentiment_score":0.03323742002248764,"channel":0,"num_words":1,"start":1335.72,"end":1336.22},{"sentences":[{"text":"1.1% that we like, fees that we pay,","start":1335.74,"end":1338.96,"sentiment":"neutral","sentiment_score":0.041796619072556496}],"sentiment":"neutral","sentiment_score":0.041796619072556496,"channel":1,"num_words":8,"start":1335.74,"end":1338.96},{"sentences":[{"text":"Yep.","start":1339.64,"end":1340.14,"sentiment":"neutral","sentiment_score":0.039252664893865585}],"sentiment":"neutral","sentiment_score":0.039252664893865585,"channel":0,"num_words":1,"start":1339.64,"end":1340.14},{"sentences":[{"text":"and that's and that is that capped at 500,000","start":1339.74,"end":1344.575,"sentiment":"neutral","sentiment_score":0.023450666003757052}],"sentiment":"neutral","sentiment_score":0.023450666003757052,"channel":1,"num_words":9,"start":1339.74,"end":1344.575},{"sentences":[{"text":"Six","start":1344.68,"end":1344.92,"sentiment":"neutral","sentiment_score":0.014122466556727886}],"sentiment":"neutral","sentiment_score":0.014122466556727886,"channel":0,"num_words":1,"start":1344.68,"end":1344.92},{"sentences":[{"text":"or","start":1344.7949,"end":1345.2949,"sentiment":"neutral","sentiment_score":0.024866832420229912}],"sentiment":"neutral","sentiment_score":0.024866832420229912,"channel":1,"num_words":1,"start":1344.7949,"end":1345.2949},{"sentences":[{"text":"100,000.","start":1344.92,"end":1345.82,"sentiment":"neutral","sentiment_score":0.021340811625123024}],"sentiment":"neutral","sentiment_score":0.021340811625123024,"channel":0,"num_words":1,"start":1344.92,"end":1345.82},{"sentences":[{"text":"600?","start":1345.755,"end":1346.475,"sentiment":"neutral","sentiment_score":0.028615809977054596},{"text":"Yep.","start":1346.475,"end":1346.7949,"sentiment":"neutral","sentiment_score":0.06331217288970947},{"text":"Okay.","start":1346.7949,"end":1347.2949,"sentiment":"neutral","sentiment_score":0.12073789536952972}],"sentiment":"neutral","sentiment_score":0.0708886260787646,"channel":1,"num_words":3,"start":1345.755,"end":1347.2949},{"sentences":[{"text":"Yep.","start":1347.4451,"end":1347.9451,"sentiment":"neutral","sentiment_score":0.23738282918930056}],"sentiment":"neutral","sentiment_score":0.23738282918930056,"channel":0,"num_words":1,"start":1347.4451,"end":1347.9451},{"sentences":[{"text":"Beautiful.","start":1347.9149,"end":1348.4149,"sentiment":"positive","sentiment_score":0.4726787805557251}],"sentiment":"positive","sentiment_score":0.4726787805557251,"channel":1,"num_words":1,"start":1347.9149,"end":1348.4149},{"sentences":[{"text":"Yep.","start":1348.005,"end":1348.3251,"sentiment":"neutral","sentiment_score":0.2115130126476288},{"text":"Yep.","start":1348.3251,"end":1348.645,"sentiment":"neutral","sentiment_score":0.175700843334198},{"text":"So 600,000.","start":1348.645,"end":1349.8451,"sentiment":"neutral","sentiment_score":0.0977603942155838},{"text":"So if we can get your balance up to a million dollars or even higher than that, which would be fantastic, and you've","start":1349.8451,"end":1355.285,"sentiment":"neutral","sentiment_score":0.31793710265470587}],"sentiment":"neutral","sentiment_score":0.2924180742767122,"channel":0,"num_words":27,"start":1348.005,"end":1355.285},{"sentences":[{"text":"Yep.","start":1355.115,"end":1355.615,"sentiment":"neutral","sentiment_score":0.29912781715393066}],"sentiment":"neutral","sentiment_score":0.29912781715393066,"channel":1,"num_words":1,"start":1355.115,"end":1355.615},{"sentences":[{"text":"got plenty of time on your side to be able to do that.","start":1355.285,"end":1358.265,"sentiment":"neutral","sentiment_score":0.2451331798846905}],"sentiment":"neutral","sentiment_score":0.2451331798846905,"channel":0,"num_words":13,"start":1355.285,"end":1358.265},{"sentences":[{"text":"Yep.","start":1358.48,"end":1358.8,"sentiment":"neutral","sentiment_score":0.07541680335998535}],"sentiment":"neutral","sentiment_score":0.07541680335998535,"channel":1,"num_words":1,"start":1358.48,"end":1358.8},{"sentences":[{"text":"Essentially,","start":1358.7251,"end":1359.125,"sentiment":"neutral","sentiment_score":0.033655036240816116}],"sentiment":"neutral","sentiment_score":0.033655036240816116,"channel":0,"num_words":1,"start":1358.7251,"end":1359.125},{"sentences":[{"text":"That's the","start":1358.8,"end":1359.2,"sentiment":"neutral","sentiment_score":0.04974684119224548}],"sentiment":"neutral","sentiment_score":0.04974684119224548,"channel":1,"num_words":2,"start":1358.8,"end":1359.2},{"sentences":[{"text":"we","start":1359.125,"end":1359.285,"sentiment":"neutral","sentiment_score":0.06318240612745285}],"sentiment":"neutral","sentiment_score":0.06318240612745285,"channel":0,"num_words":1,"start":1359.125,"end":1359.285},{"sentences":[{"text":"plan.","start":1359.2,"end":1359.7,"sentiment":"neutral","sentiment_score":0.049441635608673096}],"sentiment":"neutral","sentiment_score":0.049441635608673096,"channel":1,"num_words":1,"start":1359.2,"end":1359.7},{"sentences":[{"text":"won't be charging 1.1% of that balance there.","start":1359.285,"end":1363.02,"sentiment":"neutral","sentiment_score":0.013504659524187446}],"sentiment":"neutral","sentiment_score":0.013504659524187446,"channel":0,"num_words":8,"start":1359.285,"end":1363.02},{"sentences":[{"text":"Yep.","start":1363.36,"end":1363.86,"sentiment":"neutral","sentiment_score":0.025068655610084537}],"sentiment":"neutral","sentiment_score":0.025068655610084537,"channel":1,"num_words":1,"start":1363.36,"end":1363.86},{"sentences":[{"text":"That is capped at $600,000.","start":1363.5,"end":1365.92,"sentiment":"neutral","sentiment_score":0.02133723683655262}],"sentiment":"neutral","sentiment_score":0.02133723683655262,"channel":0,"num_words":5,"start":1363.5,"end":1365.92},{"sentences":[{"text":"Yep.","start":1366.0,"end":1366.5,"sentiment":"neutral","sentiment_score":0.05757148191332817}],"sentiment":"neutral","sentiment_score":0.05757148191332817,"channel":1,"num_words":1,"start":1366.0,"end":1366.5},{"sentences":[{"text":"Yeah.","start":1366.06,"end":1366.56,"sentiment":"neutral","sentiment_score":0.08495582640171051}],"sentiment":"neutral","sentiment_score":0.08495582640171051,"channel":0,"num_words":1,"start":1366.06,"end":1366.56},{"sentences":[{"text":"Alright.","start":1366.96,"end":1367.46,"sentiment":"neutral","sentiment_score":0.14010414481163025}],"sentiment":"neutral","sentiment_score":0.14010414481163025,"channel":1,"num_words":1,"start":1366.96,"end":1367.46},{"sentences":[{"text":"Yeah.","start":1367.42,"end":1367.92,"sentiment":"neutral","sentiment_score":0.20135778188705444},{"text":"Perfect.","start":1368.38,"end":1368.88,"sentiment":"neutral","sentiment_score":0.10922552645206451},{"text":"The other documents we will have in that doc Odoo sign pack for you will just be our updated financial service guide with the outline of everything about who we are, what we do, how we do it.","start":1370.06,"end":1381.395,"sentiment":"neutral","sentiment_score":0.12022261047049572},{"text":"It's got all my licensing information in there for you as well.","start":1381.395,"end":1384.615,"sentiment":"neutral","sentiment_score":0.1411686291297277},{"text":"And then we do also update often just what's called the tax file opt in form.","start":1385.075,"end":1389.99,"sentiment":"neutral","sentiment_score":0.08453549374826252}],"sentiment":"neutral","sentiment_score":0.11655344052568954,"channel":0,"num_words":68,"start":1367.42,"end":1389.99},{"sentences":[{"text":"So we like to make sure everyone is aware.","start":1389.99,"end":1391.75,"sentiment":"neutral","sentiment_score":0.09614852484729555},{"text":"We do hold your tax phone number.","start":1391.75,"end":1393.43,"sentiment":"neutral","sentiment_score":0.08640992960759572},{"text":"So we go through every so often and just update the authority on that one,","start":1393.43,"end":1397.4501,"sentiment":"neutral","sentiment_score":0.09654243017236391}],"sentiment":"neutral","sentiment_score":0.09414008656336416,"channel":0,"num_words":31,"start":1389.99,"end":1397.4501},{"sentences":[{"text":"Yep.","start":1397.645,"end":1398.145,"sentiment":"neutral","sentiment_score":0.1026294156908989}],"sentiment":"neutral","sentiment_score":0.1026294156908989,"channel":1,"num_words":1,"start":1397.645,"end":1398.145},{"sentences":[{"text":"just making sure that we're keeping everyone's information at the forefront, but making sure you're aware of the information we hold on you as well.","start":1397.67,"end":1404.335,"sentiment":"neutral","sentiment_score":0.09849803701043129},{"text":"Okay?","start":1404.395,"end":1404.895,"sentiment":"neutral","sentiment_score":0.04725680127739906}],"sentiment":"neutral","sentiment_score":0.09652722025146851,"channel":0,"num_words":26,"start":1397.67,"end":1404.895},{"sentences":[{"text":"Yeah.","start":1404.445,"end":1404.765,"sentiment":"neutral","sentiment_score":0.06023304909467697},{"text":"Righto.","start":1404.765,"end":1405.265,"sentiment":"neutral","sentiment_score":0.08875671029090881},{"text":"Yep.","start":1405.405,"end":1405.905,"sentiment":"neutral","sentiment_score":0.10734762996435164}],"sentiment":"neutral","sentiment_score":0.08544579644997914,"channel":1,"num_words":3,"start":1404.445,"end":1405.905},{"sentences":[{"text":"Yep.","start":1405.995,"end":1406.495,"sentiment":"neutral","sentiment_score":0.20465171337127688},{"text":"Perfect.","start":1406.635,"end":1407.135,"sentiment":"positive","sentiment_score":0.476660817861557},{"text":"Over the next sort of one to two or even five years, do you have any other goals that you're looking to achieve?","start":1407.6749,"end":1412.6549,"sentiment":"neutral","sentiment_score":0.08139486837646236},{"text":"Or","start":1412.715,"end":1412.955,"sentiment":"neutral","sentiment_score":0.010531239211559296}],"sentiment":"neutral","sentiment_score":0.09861252858088566,"channel":0,"num_words":26,"start":1405.995,"end":1412.955},{"sentences":[{"text":"We are looking to move, buy another property.","start":1414.58,"end":1416.9199,"sentiment":"neutral","sentiment_score":-0.01788519788533449},{"text":"I don't know.","start":1417.22,"end":1418.1,"sentiment":"neutral","sentiment_score":-0.0462761844197909}],"sentiment":"neutral","sentiment_score":-0.025628194212913513,"channel":1,"num_words":11,"start":1414.58,"end":1418.1},{"sentences":[{"text":"Yep.","start":1417.69,"end":1417.85,"sentiment":"neutral","sentiment_score":0.011553876101970673},{"text":"Yep.","start":1417.85,"end":1418.35,"sentiment":"neutral","sentiment_score":0.019194018095731735}],"sentiment":"neutral","sentiment_score":0.015373947098851204,"channel":0,"num_words":2,"start":1417.69,"end":1418.35},{"sentences":[{"text":"We yeah.","start":1418.1,"end":1419.46,"sentiment":"neutral","sentiment_score":0.015591162256896496},{"text":"We do need to move.","start":1419.46,"end":1420.6799,"sentiment":"neutral","sentiment_score":0.0017304208129644393}],"sentiment":"neutral","sentiment_score":0.005690632654087884,"channel":1,"num_words":7,"start":1418.1,"end":1420.6799},{"sentences":[{"text":"Yep.","start":1420.49,"end":1420.99,"sentiment":"neutral","sentiment_score":0.03146372735500336}],"sentiment":"neutral","sentiment_score":0.03146372735500336,"channel":0,"num_words":1,"start":1420.49,"end":1420.99},{"sentences":[{"text":"It's as simple as that.","start":1421.78,"end":1422.82,"sentiment":"neutral","sentiment_score":0.05064657554030418},{"text":"We need to move.","start":1422.82,"end":1423.46,"sentiment":"neutral","sentiment_score":0.012190193869173527},{"text":"We need to buy another property.","start":1423.46,"end":1424.84,"sentiment":"neutral","sentiment_score":-0.0021328438694278398},{"text":"We'll","start":1425.515,"end":1425.835,"sentiment":"neutral","sentiment_score":0.031135987490415573}],"sentiment":"neutral","sentiment_score":0.020020786090753973,"channel":1,"num_words":16,"start":1421.78,"end":1425.835},{"sentences":[{"text":"Yep.","start":1425.77,"end":1426.27,"sentiment":"neutral","sentiment_score":0.023595362901687626}],"sentiment":"neutral","sentiment_score":0.023595362901687626,"channel":0,"num_words":1,"start":1425.77,"end":1426.27},{"sentences":[{"text":"be obliged to possibly bought investment property.","start":1425.835,"end":1428.715,"sentiment":"neutral","sentiment_score":-0.001976890755551202},{"text":"Yeah.","start":1428.715,"end":1429.0349,"sentiment":"neutral","sentiment_score":0.020669370889663696},{"text":"But if we look to move,","start":1429.0349,"end":1430.335,"sentiment":"neutral","sentiment_score":0.004547631988922755}],"sentiment":"neutral","sentiment_score":0.0024369233953101294,"channel":1,"num_words":14,"start":1425.835,"end":1430.335},{"sentences":[{"text":"Yep.","start":1430.1051,"end":1430.6051,"sentiment":"neutral","sentiment_score":0.01268789917230606}],"sentiment":"neutral","sentiment_score":0.01268789917230606,"channel":0,"num_words":1,"start":1430.1051,"end":1430.6051},{"sentences":[{"text":"it'll be worth more money as such, if that makes sense.","start":1430.715,"end":1434.5549,"sentiment":"neutral","sentiment_score":-0.004306132312525402}],"sentiment":"neutral","sentiment_score":-0.004306132312525402,"channel":1,"num_words":11,"start":1430.715,"end":1434.5549},{"sentences":[{"text":"Yep.","start":1434.265,"end":1434.765,"sentiment":"neutral","sentiment_score":-0.011650520376861095}],"sentiment":"neutral","sentiment_score":-0.011650520376861095,"channel":0,"num_words":1,"start":1434.265,"end":1434.765},{"sentences":[{"text":"Like, it it","start":1434.5549,"end":1435.2749,"sentiment":"neutral","sentiment_score":-0.021917028973499935}],"sentiment":"neutral","sentiment_score":-0.021917028973499935,"channel":1,"num_words":3,"start":1434.5549,"end":1435.2749},{"sentences":[{"text":"Yep.","start":1435.2251,"end":1435.7251,"sentiment":"neutral","sentiment_score":-0.034649014472961426}],"sentiment":"neutral","sentiment_score":-0.034649014472961426,"channel":0,"num_words":1,"start":1435.2251,"end":1435.7251},{"sentences":[{"text":"it's going it's going to cost us money to move.","start":1435.355,"end":1437.9,"sentiment":"neutral","sentiment_score":-0.07979316301643849}],"sentiment":"neutral","sentiment_score":-0.07979316301643849,"channel":1,"num_words":10,"start":1435.355,"end":1437.9},{"sentences":[{"text":"Yeah.","start":1438.505,"end":1438.905,"sentiment":"neutral","sentiment_score":-0.00624337512999773},{"text":"Of course.","start":1438.905,"end":1439.4651,"sentiment":"neutral","sentiment_score":0.004915321245789528},{"text":"Yeah.","start":1439.4651,"end":1439.865,"sentiment":"neutral","sentiment_score":0.011143223382532597}],"sentiment":"neutral","sentiment_score":0.0036826226860284805,"channel":0,"num_words":4,"start":1438.505,"end":1439.865},{"sentences":[{"text":"Yeah.","start":1439.74,"end":1440.24,"sentiment":"neutral","sentiment_score":0.02090485766530037}],"sentiment":"neutral","sentiment_score":0.02090485766530037,"channel":1,"num_words":1,"start":1439.74,"end":1440.24},{"sentences":[{"text":"Definitely.","start":1439.865,"end":1440.365,"sentiment":"neutral","sentiment_score":0.03303062915802002}],"sentiment":"neutral","sentiment_score":0.03303062915802002,"channel":0,"num_words":1,"start":1439.865,"end":1440.365},{"sentences":[{"text":"Yeah.","start":1441.02,"end":1441.52,"sentiment":"neutral","sentiment_score":-0.016136107966303825}],"sentiment":"neutral","sentiment_score":-0.016136107966303825,"channel":1,"num_words":1,"start":1441.02,"end":1441.52},{"sentences":[{"text":"No.","start":1441.385,"end":1441.7051,"sentiment":"neutral","sentiment_score":-0.09986056387424468},{"text":"Understandable.","start":1441.7051,"end":1442.2051,"sentiment":"neutral","sentiment_score":-0.1017867550253868}],"sentiment":"neutral","sentiment_score":-0.10082365944981574,"channel":0,"num_words":2,"start":1441.385,"end":1442.2051},{"sentences":[{"text":"Yeah.","start":1443.66,"end":1443.98,"sentiment":"neutral","sentiment_score":-0.062440935522317886},{"text":"But yeah.","start":1443.98,"end":1445.42,"sentiment":"neutral","sentiment_score":-0.04947341047227383},{"text":"That's probably about it.","start":1445.42,"end":1446.38,"sentiment":"neutral","sentiment_score":-0.07946819439530373},{"text":"That's all we're, yeah, looking to do at this stage,","start":1446.38,"end":1448.56,"sentiment":"neutral","sentiment_score":-0.03932489119470119}],"sentiment":"neutral","sentiment_score":-0.05132408505853485,"channel":1,"num_words":17,"start":1443.66,"end":1448.56},{"sentences":[{"text":"Yeah.","start":1449.04,"end":1449.28,"sentiment":"neutral","sentiment_score":-0.03233455866575241},{"text":"No.","start":1449.28,"end":1449.52,"sentiment":"neutral","sentiment_score":-0.1155429482460022},{"text":"That's","start":1449.52,"end":1449.76,"sentiment":"neutral","sentiment_score":-0.0799209401011467}],"sentiment":"neutral","sentiment_score":-0.0759328156709671,"channel":0,"num_words":3,"start":1449.04,"end":1449.76},{"sentences":[{"text":"I","start":1449.74,"end":1449.9,"sentiment":"neutral","sentiment_score":-0.0723816454410553}],"sentiment":"neutral","sentiment_score":-0.0723816454410553,"channel":1,"num_words":1,"start":1449.74,"end":1449.9},{"sentences":[{"text":"okay.","start":1449.76,"end":1450.2401,"sentiment":"neutral","sentiment_score":-0.06207284703850746}],"sentiment":"neutral","sentiment_score":-0.06207284703850746,"channel":0,"num_words":1,"start":1449.76,"end":1450.2401},{"sentences":[{"text":"reckon.","start":1449.9,"end":1450.4,"sentiment":"neutral","sentiment_score":-0.032290417701005936}],"sentiment":"neutral","sentiment_score":-0.032290417701005936,"channel":1,"num_words":1,"start":1449.9,"end":1450.4},{"sentences":[{"text":"I'm just having a quick look back at the last back when we did last year as well.","start":1450.2401,"end":1454.64,"sentiment":"neutral","sentiment_score":0.0029804673459794787},{"text":"You also mentioned maybe upgrading a car as well.","start":1454.64,"end":1457.3601,"sentiment":"neutral","sentiment_score":0.028179648021856945},{"text":"Is that something you're sort of looking to do down the track?","start":1457.3601,"end":1459.9401,"sentiment":"neutral","sentiment_score":0.011481306253699586}],"sentiment":"neutral","sentiment_score":0.011411305627403542,"channel":0,"num_words":39,"start":1450.2401,"end":1459.9401},{"sentences":[{"text":"Yeah.","start":1460.105,"end":1460.605,"sentiment":"neutral","sentiment_score":0.06451815366744995},{"text":"Yep.","start":1460.6649,"end":1461.1649,"sentiment":"neutral","sentiment_score":0.06371743977069855}],"sentiment":"neutral","sentiment_score":0.06411779671907425,"channel":1,"num_words":2,"start":1460.105,"end":1461.1649},{"sentences":[{"text":"Yep.","start":1461.725,"end":1462.125,"sentiment":"neutral","sentiment_score":0.06515993177890778},{"text":"Yep.","start":1462.125,"end":1462.605,"sentiment":"neutral","sentiment_score":0.0806175172328949}],"sentiment":"neutral","sentiment_score":0.07288872450590134,"channel":0,"num_words":2,"start":1461.725,"end":1462.605},{"sentences":[{"text":"Yep.","start":1462.4249,"end":1462.9249,"sentiment":"neutral","sentiment_score":0.15159401297569275}],"sentiment":"neutral","sentiment_score":0.15159401297569275,"channel":1,"num_words":1,"start":1462.4249,"end":1462.9249},{"sentences":[{"text":"Beautiful.","start":1462.605,"end":1463.105,"sentiment":"positive","sentiment_score":0.49093523621559143}],"sentiment":"positive","sentiment_score":0.49093523621559143,"channel":0,"num_words":1,"start":1462.605,"end":1463.105},{"sentences":[{"text":"That's another","start":1463.7849,"end":1464.4249,"sentiment":"neutral","sentiment_score":0.24926651269197464}],"sentiment":"neutral","sentiment_score":0.24926651269197464,"channel":1,"num_words":2,"start":1463.7849,"end":1464.4249},{"sentences":[{"text":"And retirement","start":1464.0449,"end":1464.705,"sentiment":"neutral","sentiment_score":0.2058209851384163}],"sentiment":"neutral","sentiment_score":0.2058209851384163,"channel":0,"num_words":2,"start":1464.0449,"end":1464.705},{"sentences":[{"text":"thing.","start":1464.4249,"end":1464.9249,"sentiment":"neutral","sentiment_score":0.21450884640216827}],"sentiment":"neutral","sentiment_score":0.21450884640216827,"channel":1,"num_words":1,"start":1464.4249,"end":1464.9249},{"sentences":[{"text":"wise, we're all good.","start":1464.765,"end":1466.705,"sentiment":"positive","sentiment_score":0.3402455151081085},{"text":"And retirement wise, we're still tracking forward to retire, hopefully, at age 60.","start":1467.005,"end":1471.1849,"sentiment":"neutral","sentiment_score":0.20335126553590482}],"sentiment":"neutral","sentiment_score":0.23556167719995275,"channel":0,"num_words":17,"start":1464.765,"end":1471.1849},{"sentences":[{"text":"Yes.","start":1471.9199,"end":1472.24,"sentiment":"neutral","sentiment_score":0.11390259116888046},{"text":"For sure.","start":1472.24,"end":1472.88,"sentiment":"neutral","sentiment_score":0.09561478346586227},{"text":"Even earlier","start":1472.88,"end":1473.6,"sentiment":"neutral","sentiment_score":0.04805230721831322}],"sentiment":"neutral","sentiment_score":0.08024735450744629,"channel":1,"num_words":5,"start":1471.9199,"end":1473.6},{"sentences":[{"text":"Yeah.","start":1473.5,"end":1473.8999,"sentiment":"neutral","sentiment_score":0.08529698848724365}],"sentiment":"neutral","sentiment_score":0.08529698848724365,"channel":0,"num_words":1,"start":1473.5,"end":1473.8999},{"sentences":[{"text":"if I can.","start":1473.6,"end":1474.34,"sentiment":"neutral","sentiment_score":0.13619049390157065}],"sentiment":"neutral","sentiment_score":0.13619049390157065,"channel":1,"num_words":3,"start":1473.6,"end":1474.34},{"sentences":[{"text":"Perfect.","start":1473.8999,"end":1474.3999,"sentiment":"positive","sentiment_score":0.5508453249931335},{"text":"Nice.","start":1475.4199,"end":1475.9199,"sentiment":"positive","sentiment_score":0.633224606513977},{"text":"Nice.","start":1476.0599,"end":1476.5599,"sentiment":"neutral","sentiment_score":0.0790492594242096},{"text":"Well, with 60 at the moment is the earliest they're gonna let you access your super, but, I mean, we can look at other things down the track.","start":1476.86,"end":1482.86,"sentiment":"neutral","sentiment_score":0.04902308573946357},{"text":"We can look at investing outside of super in certain ways to kind of build retire you know, you build access to savings earlier so you can possibly retire earlier.","start":1482.86,"end":1492.195,"sentiment":"neutral","sentiment_score":0.0890383983651797}],"sentiment":"neutral","sentiment_score":0.08699864823920805,"channel":0,"num_words":61,"start":1473.8999,"end":1492.195},{"sentences":[{"text":"Yep.","start":1492.145,"end":1492.625,"sentiment":"neutral","sentiment_score":0.05481068417429924}],"sentiment":"neutral","sentiment_score":0.05481068417429924,"channel":1,"num_words":1,"start":1492.145,"end":1492.625},{"sentences":[{"text":"And then","start":1492.335,"end":1492.655,"sentiment":"neutral","sentiment_score":0.03528628684580326}],"sentiment":"neutral","sentiment_score":0.03528628684580326,"channel":0,"num_words":2,"start":1492.335,"end":1492.655},{"sentences":[{"text":"So","start":1492.625,"end":1492.8651,"sentiment":"neutral","sentiment_score":0.03130628913640976}],"sentiment":"neutral","sentiment_score":0.03130628913640976,"channel":1,"num_words":1,"start":1492.625,"end":1492.8651},{"sentences":[{"text":"you've","start":1492.655,"end":1492.895,"sentiment":"neutral","sentiment_score":0.030876532196998596}],"sentiment":"neutral","sentiment_score":0.030876532196998596,"channel":0,"num_words":1,"start":1492.655,"end":1492.895},{"sentences":[{"text":"when","start":1492.8651,"end":1493.25,"sentiment":"neutral","sentiment_score":0.031329359859228134}],"sentiment":"neutral","sentiment_score":0.031329359859228134,"channel":1,"num_words":1,"start":1492.8651,"end":1493.25},{"sentences":[{"text":"also got the option of investment property.","start":1492.895,"end":1494.895,"sentiment":"neutral","sentiment_score":0.0298174044915608},{"text":"So sorry.","start":1494.895,"end":1495.635,"sentiment":"neutral","sentiment_score":-0.0036273919977247715}],"sentiment":"neutral","sentiment_score":0.022385227493941784,"channel":0,"num_words":9,"start":1492.895,"end":1495.635},{"sentences":[{"text":"yes.","start":1495.57,"end":1496.05,"sentiment":"neutral","sentiment_score":0.0019207578152418137},{"text":"So when can I","start":1496.05,"end":1497.01,"sentiment":"neutral","sentiment_score":-0.0006406891625374556}],"sentiment":"neutral","sentiment_score":-0.00012839976698160173,"channel":1,"num_words":5,"start":1495.57,"end":1497.01},{"sentences":[{"text":"Yeah.","start":1496.815,"end":1497.315,"sentiment":"neutral","sentiment_score":0.00487362127751112}],"sentiment":"neutral","sentiment_score":0.00487362127751112,"channel":0,"num_words":1,"start":1496.815,"end":1497.315},{"sentences":[{"text":"access my Subaru?","start":1497.01,"end":1497.89,"sentiment":"neutral","sentiment_score":0.004352703457698226},{"text":"Am I '60 or am I '67?","start":1497.89,"end":1499.99,"sentiment":"neutral","sentiment_score":-0.0025979687592812945},{"text":"Or","start":1500.37,"end":1500.87,"sentiment":"neutral","sentiment_score":-0.009090594947338104}],"sentiment":"neutral","sentiment_score":-0.0012925696262920444,"channel":1,"num_words":11,"start":1497.01,"end":1500.87},{"sentences":[{"text":"No.","start":1500.575,"end":1501.055,"sentiment":"neutral","sentiment_score":-0.021287720650434497},{"text":"'60.","start":1501.055,"end":1501.555,"sentiment":"neutral","sentiment_score":-0.010935083031654358}],"sentiment":"neutral","sentiment_score":-0.016111401841044426,"channel":0,"num_words":2,"start":1500.575,"end":1501.555},{"sentences":[{"text":"'60.","start":1501.89,"end":1502.39,"sentiment":"neutral","sentiment_score":-0.0024646937381476164}],"sentiment":"neutral","sentiment_score":-0.0024646937381476164,"channel":1,"num_words":1,"start":1501.89,"end":1502.39},{"sentences":[{"text":"60.","start":1501.9349,"end":1502.4349,"sentiment":"neutral","sentiment_score":0.003365062875673175},{"text":"Yes.","start":1503.36,"end":1503.86,"sentiment":"neutral","sentiment_score":0.015828564763069153}],"sentiment":"neutral","sentiment_score":0.009596813819371164,"channel":0,"num_words":2,"start":1501.9349,"end":1503.86},{"sentences":[{"text":"You're right.","start":1503.89,"end":1504.37,"sentiment":"neutral","sentiment_score":0.0145787438377738},{"text":"I thought","start":1504.37,"end":1504.77,"sentiment":"neutral","sentiment_score":-0.03444608673453331}],"sentiment":"neutral","sentiment_score":-0.009933671448379755,"channel":1,"num_words":4,"start":1503.89,"end":1504.77},{"sentences":[{"text":"'6","start":1504.64,"end":1505.12,"sentiment":"neutral","sentiment_score":-0.02358866110444069}],"sentiment":"neutral","sentiment_score":-0.02358866110444069,"channel":0,"num_words":1,"start":1504.64,"end":1505.12},{"sentences":[{"text":"I'd be","start":1504.77,"end":1505.17,"sentiment":"neutral","sentiment_score":-0.04048515856266022}],"sentiment":"neutral","sentiment_score":-0.04048515856266022,"channel":1,"num_words":2,"start":1504.77,"end":1505.17},{"sentences":[{"text":"zero.","start":1505.12,"end":1505.62,"sentiment":"neutral","sentiment_score":-0.03223872929811478}],"sentiment":"neutral","sentiment_score":-0.03223872929811478,"channel":0,"num_words":1,"start":1505.12,"end":1505.62},{"sentences":[{"text":"right.","start":1505.17,"end":1505.595,"sentiment":"neutral","sentiment_score":-0.02384759671986103}],"sentiment":"neutral","sentiment_score":-0.02384759671986103,"channel":1,"num_words":1,"start":1505.17,"end":1505.595},{"sentences":[{"text":"No.","start":1506.48,"end":1506.98,"sentiment":"neutral","sentiment_score":-0.06484894454479218}],"sentiment":"neutral","sentiment_score":-0.06484894454479218,"channel":0,"num_words":1,"start":1506.48,"end":1506.98},{"sentences":[{"text":"Yeah.","start":1506.635,"end":1506.7949,"sentiment":"neutral","sentiment_score":-0.03814864903688431},{"text":"Right.","start":1506.7949,"end":1507.0349,"sentiment":"neutral","sentiment_score":-0.043870631605386734},{"text":"I thought I'd be 67.","start":1507.0349,"end":1508.655,"sentiment":"neutral","sentiment_score":-0.07268105670809746},{"text":"I don't","start":1509.195,"end":1509.595,"sentiment":"neutral","sentiment_score":-0.1116972491145134}],"sentiment":"neutral","sentiment_score":-0.07431322915686502,"channel":1,"num_words":9,"start":1506.635,"end":1509.595},{"sentences":[{"text":"No.","start":1509.44,"end":1509.92,"sentiment":"neutral","sentiment_score":-0.1149924099445343}],"sentiment":"neutral","sentiment_score":-0.1149924099445343,"channel":0,"num_words":1,"start":1509.44,"end":1509.92},{"sentences":[{"text":"know why.","start":1509.595,"end":1510.255,"sentiment":"neutral","sentiment_score":-0.11253539472818376}],"sentiment":"neutral","sentiment_score":-0.11253539472818376,"channel":1,"num_words":2,"start":1509.595,"end":1510.255},{"sentences":[{"text":"No.","start":1509.92,"end":1510.24,"sentiment":"neutral","sentiment_score":-0.062475498765707016},{"text":"So","start":1510.24,"end":1510.74,"sentiment":"neutral","sentiment_score":-0.0378049872815609}],"sentiment":"neutral","sentiment_score":-0.05014024302363396,"channel":0,"num_words":2,"start":1509.92,"end":1510.74},{"sentences":[{"text":"Yep.","start":1510.395,"end":1510.895,"sentiment":"neutral","sentiment_score":-0.034946147352457047}],"sentiment":"neutral","sentiment_score":-0.034946147352457047,"channel":1,"num_words":1,"start":1510.395,"end":1510.895},{"sentences":[{"text":"no.","start":1511.12,"end":1511.36,"sentiment":"neutral","sentiment_score":-0.06587487459182739},{"text":"That's okay.","start":1511.36,"end":1512.0,"sentiment":"neutral","sentiment_score":-0.02224188530817628},{"text":"It's honestly a really common it's a common misconception a lot of people have.","start":1512.0,"end":1516.48,"sentiment":"neutral","sentiment_score":-0.09291672706604004},{"text":"So 67 is the age that if you're eligible for to access the age pension,","start":1516.48,"end":1521.475,"sentiment":"neutral","sentiment_score":-0.027267576505740482}],"sentiment":"neutral","sentiment_score":-0.05688145224121399,"channel":0,"num_words":32,"start":1511.12,"end":1521.475},{"sentences":[{"text":"Mhmm.","start":1522.02,"end":1522.52,"sentiment":"neutral","sentiment_score":-0.01943083666265011}],"sentiment":"neutral","sentiment_score":-0.01943083666265011,"channel":1,"num_words":1,"start":1522.02,"end":1522.52},{"sentences":[{"text":"but because a lot of people just refer to as retirement age because a lot of people, especially the older generation, they even this is some generations, they didn't have super.","start":1522.575,"end":1532.77,"sentiment":"neutral","sentiment_score":-0.05433800900655408},{"text":"Super wasn't a big thing until the early nineties.","start":1532.83,"end":1535.31,"sentiment":"neutral","sentiment_score":-0.04326196221841706},{"text":"So a lot of them are retiring on lower balances","start":1535.31,"end":1538.29,"sentiment":"neutral","sentiment_score":-0.03409604374319315}],"sentiment":"neutral","sentiment_score":-0.04829592753201723,"channel":0,"num_words":50,"start":1522.575,"end":1538.29},{"sentences":[{"text":"Yep.","start":1538.085,"end":1538.585,"sentiment":"neutral","sentiment_score":-0.02606846764683723}],"sentiment":"neutral","sentiment_score":-0.02606846764683723,"channel":1,"num_words":1,"start":1538.085,"end":1538.585},{"sentences":[{"text":"now, and they are having to rely on the government system.","start":1538.43,"end":1542.53,"sentiment":"neutral","sentiment_score":-0.03537865101613782}],"sentiment":"neutral","sentiment_score":-0.03537865101613782,"channel":0,"num_words":11,"start":1538.43,"end":1542.53},{"sentences":[{"text":"Yep.","start":1542.165,"end":1542.665,"sentiment":"neutral","sentiment_score":0.009219374507665634}],"sentiment":"neutral","sentiment_score":0.009219374507665634,"channel":1,"num_words":1,"start":1542.165,"end":1542.665},{"sentences":[{"text":"So","start":1542.59,"end":1542.91,"sentiment":"neutral","sentiment_score":0.015627067536115646}],"sentiment":"neutral","sentiment_score":0.015627067536115646,"channel":0,"num_words":1,"start":1542.59,"end":1542.91},{"sentences":[{"text":"Yep.","start":1542.885,"end":1543.385,"sentiment":"neutral","sentiment_score":0.02184543013572693}],"sentiment":"neutral","sentiment_score":0.02184543013572693,"channel":1,"num_words":1,"start":1542.885,"end":1543.385},{"sentences":[{"text":"for them, 67 isn't so much the age they can access as super, but it's the age that they feel they can retire because it's the age they can access the age pension.","start":1542.91,"end":1551.325,"sentiment":"neutral","sentiment_score":0.0167509861798449},{"text":"But under the legislation requirements, if you stop working at 60, you can access your super wholly completely tax free.","start":1552.025,"end":1558.845,"sentiment":"neutral","sentiment_score":0.045906417071819305}],"sentiment":"neutral","sentiment_score":0.02775303557304279,"channel":0,"num_words":53,"start":1542.91,"end":1558.845},{"sentences":[{"text":"Yeah.","start":1559.635,"end":1559.795,"sentiment":"neutral","sentiment_score":0.06443741172552109},{"text":"Right.","start":1559.795,"end":1560.295,"sentiment":"neutral","sentiment_score":0.09526056051254272}],"sentiment":"neutral","sentiment_score":0.0798489861190319,"channel":1,"num_words":2,"start":1559.635,"end":1560.295},{"sentences":[{"text":"Yeah.","start":1561.21,"end":1561.71,"sentiment":"neutral","sentiment_score":0.14706379175186157}],"sentiment":"neutral","sentiment_score":0.14706379175186157,"channel":0,"num_words":1,"start":1561.21,"end":1561.71},{"sentences":[{"text":"Beautiful.","start":1561.395,"end":1561.895,"sentiment":"positive","sentiment_score":0.3848367929458618},{"text":"Yeah.","start":1561.955,"end":1562.275,"sentiment":"neutral","sentiment_score":0.2840154469013214},{"text":"Nice.","start":1562.275,"end":1562.775,"sentiment":"positive","sentiment_score":0.4165548086166382}],"sentiment":"positive","sentiment_score":0.3618023494879405,"channel":1,"num_words":3,"start":1561.395,"end":1562.775},{"sentences":[{"text":"Yeah.","start":1562.8099,"end":1563.3099,"sentiment":"neutral","sentiment_score":0.2593989968299866}],"sentiment":"neutral","sentiment_score":0.2593989968299866,"channel":0,"num_words":1,"start":1562.8099,"end":1563.3099},{"sentences":[{"text":"Yep.","start":1562.915,"end":1563.415,"sentiment":"neutral","sentiment_score":0.24486961960792544}],"sentiment":"neutral","sentiment_score":0.24486961960792544,"channel":1,"num_words":1,"start":1562.915,"end":1563.415},{"sentences":[{"text":"I","start":1563.45,"end":1563.69,"sentiment":"neutral","sentiment_score":0.2814558446407318}],"sentiment":"neutral","sentiment_score":0.2814558446407318,"channel":0,"num_words":1,"start":1563.45,"end":1563.69},{"sentences":[{"text":"Sensational.","start":1563.555,"end":1564.055,"sentiment":"neutral","sentiment_score":0.27017584443092346}],"sentiment":"neutral","sentiment_score":0.27017584443092346,"channel":1,"num_words":1,"start":1563.555,"end":1564.055},{"sentences":[{"text":"like to give people good news like that.","start":1563.69,"end":1565.29,"sentiment":"positive","sentiment_score":0.4372186213731766},{"text":"Yeah.","start":1565.29,"end":1565.79,"sentiment":"neutral","sentiment_score":0.11017470061779022}],"sentiment":"positive","sentiment_score":0.4008804079559114,"channel":0,"num_words":9,"start":1563.69,"end":1565.79},{"sentences":[{"text":"Yeah.","start":1565.635,"end":1566.115,"sentiment":"neutral","sentiment_score":0.07606838643550873},{"text":"No.","start":1566.115,"end":1566.355,"sentiment":"neutral","sentiment_score":0.007559787482023239},{"text":"That's that's yeah.","start":1566.355,"end":1567.555,"sentiment":"neutral","sentiment_score":0.023111920803785324},{"text":"No.","start":1567.555,"end":1567.795,"sentiment":"neutral","sentiment_score":-0.03363138064742088},{"text":"That's that's that's actually made me happy.","start":1567.795,"end":1569.975,"sentiment":"neutral","sentiment_score":0.23248196180377687}],"sentiment":"neutral","sentiment_score":0.13436202217753118,"channel":1,"num_words":13,"start":1565.635,"end":1569.975},{"sentences":[{"text":"Probably the only like, the only thing that I really hate is paying tax.","start":1572.16,"end":1577.62,"sentiment":"neutral","sentiment_score":-0.3250093087553978},{"text":"Honestly, I hate","start":1577.76,"end":1578.64,"sentiment":"neutral","sentiment_score":-0.25570285816987354}],"sentiment":"neutral","sentiment_score":-0.31277875865207,"channel":1,"num_words":17,"start":1572.16,"end":1578.64},{"sentences":[{"text":"Absolutely.","start":1578.485,"end":1578.985,"sentiment":"neutral","sentiment_score":-0.2372705638408661}],"sentiment":"neutral","sentiment_score":-0.2372705638408661,"channel":0,"num_words":1,"start":1578.485,"end":1578.985},{"sentences":[{"text":"paying tax.","start":1578.64,"end":1579.36,"sentiment":"neutral","sentiment_score":-0.27319468557834625},{"text":"If we can come up with","start":1579.36,"end":1580.4,"sentiment":"neutral","sentiment_score":-0.16007828215758005}],"sentiment":"neutral","sentiment_score":-0.1883573830127716,"channel":1,"num_words":8,"start":1578.64,"end":1580.4},{"sentences":[{"text":"Yeah.","start":1580.325,"end":1580.825,"sentiment":"neutral","sentiment_score":-0.110657200217247}],"sentiment":"neutral","sentiment_score":-0.110657200217247,"channel":0,"num_words":1,"start":1580.325,"end":1580.825},{"sentences":[{"text":"some strategies, I don't know what we can do.","start":1580.4,"end":1582.8201,"sentiment":"neutral","sentiment_score":-0.22245921360121834},{"text":"Potentially, I pay a lot of tax.","start":1583.6,"end":1586.325,"sentiment":"neutral","sentiment_score":-0.25575936692101614},{"text":"Well,","start":1587.125,"end":1587.2849,"sentiment":"neutral","sentiment_score":0.1417098492383957}],"sentiment":"neutral","sentiment_score":-0.21474933185998132,"channel":1,"num_words":17,"start":1580.4,"end":1587.2849},{"sentences":[{"text":"Yeah.","start":1587.125,"end":1587.625,"sentiment":"neutral","sentiment_score":-0.057572610676288605}],"sentiment":"neutral","sentiment_score":-0.057572610676288605,"channel":0,"num_words":1,"start":1587.125,"end":1587.625},{"sentences":[{"text":"both Jackie and I, we pay a lot of tax, which is great.","start":1587.2849,"end":1590.325,"sentiment":"neutral","sentiment_score":0.3112638902205687},{"text":"If you're paying tax, you're earning money.","start":1590.325,"end":1591.845,"sentiment":"positive","sentiment_score":0.5156454954828534},{"text":"That's great.","start":1591.845,"end":1592.585,"sentiment":"positive","sentiment_score":0.6782141327857971}],"sentiment":"positive","sentiment_score":0.40965351394631644,"channel":1,"num_words":22,"start":1587.2849,"end":1592.585},{"sentences":[{"text":"Yeah.","start":1592.64,"end":1593.14,"sentiment":"neutral","sentiment_score":0.14346355199813843},{"text":"Of course.","start":1593.4401,"end":1594.02,"sentiment":"neutral","sentiment_score":0.09471588581800461}],"sentiment":"neutral","sentiment_score":0.11096510787804921,"channel":0,"num_words":3,"start":1592.64,"end":1594.02},{"sentences":[{"text":"But I want to reduce paying so much.","start":1594.885,"end":1597.6849,"sentiment":"neutral","sentiment_score":-0.11892940662801266},{"text":"I don't know how.","start":1597.6849,"end":1598.825,"sentiment":"neutral","sentiment_score":-0.12121320329606533}],"sentiment":"neutral","sentiment_score":-0.11969067218403022,"channel":1,"num_words":12,"start":1594.885,"end":1598.825},{"sentences":[{"text":"Yeah.","start":1598.64,"end":1599.14,"sentiment":"neutral","sentiment_score":-0.021059028804302216},{"text":"Honestly,","start":1600.3201,"end":1600.8201,"sentiment":"neutral","sentiment_score":-0.03459218516945839}],"sentiment":"neutral","sentiment_score":-0.027825606986880302,"channel":0,"num_words":2,"start":1598.64,"end":1600.8201},{"sentences":[{"text":"That's","start":1600.44,"end":1600.76,"sentiment":"neutral","sentiment_score":-0.022460907697677612}],"sentiment":"neutral","sentiment_score":-0.022460907697677612,"channel":1,"num_words":1,"start":1600.44,"end":1600.76},{"sentences":[{"text":"the best the best way is to do that, and it's a little","start":1601.12,"end":1604.315,"sentiment":"neutral","sentiment_score":-0.005328447343065188}],"sentiment":"neutral","sentiment_score":-0.005328447343065188,"channel":0,"num_words":13,"start":1601.12,"end":1604.315},{"sentences":[{"text":"yeah.","start":1604.28,"end":1604.78,"sentiment":"neutral","sentiment_score":-0.0950092151761055}],"sentiment":"neutral","sentiment_score":-0.0950092151761055,"channel":1,"num_words":1,"start":1604.28,"end":1604.78},{"sentences":[{"text":"bit hard at the moment because of what's happening with the budget, but one of","start":1604.315,"end":1608.235,"sentiment":"neutral","sentiment_score":-0.20350535760323207}],"sentiment":"neutral","sentiment_score":-0.20350535760323207,"channel":0,"num_words":15,"start":1604.315,"end":1608.235},{"sentences":[{"text":"Yeah.","start":1608.2,"end":1608.7,"sentiment":"neutral","sentiment_score":-0.13481125235557556}],"sentiment":"neutral","sentiment_score":-0.13481125235557556,"channel":1,"num_words":1,"start":1608.2,"end":1608.7},{"sentences":[{"text":"the best ways is to be able to negatively give property.","start":1608.235,"end":1611.135,"sentiment":"neutral","sentiment_score":-0.30341244692152197},{"text":"So either buying an investment property or buying a new one for yourself","start":1611.195,"end":1615.0349,"sentiment":"neutral","sentiment_score":-0.10228618177083823}],"sentiment":"neutral","sentiment_score":-0.19446905329823494,"channel":0,"num_words":24,"start":1608.235,"end":1615.0349},{"sentences":[{"text":"Yep.","start":1614.845,"end":1615.345,"sentiment":"neutral","sentiment_score":-0.05603553354740143}],"sentiment":"neutral","sentiment_score":-0.05603553354740143,"channel":1,"num_words":1,"start":1614.845,"end":1615.345},{"sentences":[{"text":"and renting at your current property and being able to negatively gear that.","start":1615.0349,"end":1619.2,"sentiment":"neutral","sentiment_score":-0.1503513942544277},{"text":"The","start":1619.34,"end":1619.5,"sentiment":"neutral","sentiment_score":-0.08252755552530289}],"sentiment":"neutral","sentiment_score":-0.14550683434520448,"channel":0,"num_words":14,"start":1615.0349,"end":1619.5},{"sentences":[{"text":"Yep.","start":1619.485,"end":1619.985,"sentiment":"neutral","sentiment_score":-0.06353332847356796}],"sentiment":"neutral","sentiment_score":-0.06353332847356796,"channel":1,"num_words":1,"start":1619.485,"end":1619.985},{"sentences":[{"text":"only downside is at the moment with the way with what was put out in the budget was that they're only going to if these changes go through as of July next year, you'll only be able to negatively gear as an investor a brand new property, which means you would have to buy a build, like, a new property, build it,","start":1619.5,"end":1638.885,"sentiment":"neutral","sentiment_score":-0.28912183017499987}],"sentiment":"neutral","sentiment_score":-0.28912183017499987,"channel":0,"num_words":62,"start":1619.5,"end":1638.885},{"sentences":[{"text":"Yeah.","start":1638.47,"end":1638.97,"sentiment":"neutral","sentiment_score":-0.08991885185241699}],"sentiment":"neutral","sentiment_score":-0.08991885185241699,"channel":1,"num_words":1,"start":1638.47,"end":1638.97},{"sentences":[{"text":"and then","start":1638.9451,"end":1639.425,"sentiment":"neutral","sentiment_score":-0.08078766614198685}],"sentiment":"neutral","sentiment_score":-0.08078766614198685,"channel":0,"num_words":2,"start":1638.9451,"end":1639.425},{"sentences":[{"text":"Yep.","start":1639.11,"end":1639.61,"sentiment":"neutral","sentiment_score":-0.09534990787506104}],"sentiment":"neutral","sentiment_score":-0.09534990787506104,"channel":1,"num_words":1,"start":1639.11,"end":1639.61},{"sentences":[{"text":"rent it out to access negative gearing.","start":1639.425,"end":1641.285,"sentiment":"neutral","sentiment_score":-0.16222430552755082}],"sentiment":"neutral","sentiment_score":-0.16222430552755082,"channel":0,"num_words":7,"start":1639.425,"end":1641.285},{"sentences":[{"text":"Yep.","start":1641.635,"end":1642.135,"sentiment":"neutral","sentiment_score":-0.012301232665777206}],"sentiment":"neutral","sentiment_score":-0.012301232665777206,"channel":1,"num_words":1,"start":1641.635,"end":1642.135},{"sentences":[{"text":"We can do, like, investing outside of super through investment portfolios and things like that, but","start":1642.2251,"end":1647.76,"sentiment":"neutral","sentiment_score":0.05159808159805834}],"sentiment":"neutral","sentiment_score":0.05159808159805834,"channel":0,"num_words":16,"start":1642.2251,"end":1647.76},{"sentences":[{"text":"Yep.","start":1647.635,"end":1648.135,"sentiment":"neutral","sentiment_score":0.02760649099946022}],"sentiment":"neutral","sentiment_score":0.02760649099946022,"channel":1,"num_words":1,"start":1647.635,"end":1648.135},{"sentences":[{"text":"they don't necessarily reduce your income tax.","start":1648.38,"end":1650.7001,"sentiment":"neutral","sentiment_score":-0.05993778331737433},{"text":"It actually tends to increase that because you get income and growth out of your investments the","start":1650.7001,"end":1655.7401,"sentiment":"neutral","sentiment_score":0.11286383779609904}],"sentiment":"neutral","sentiment_score":0.06246336497133598,"channel":0,"num_words":24,"start":1648.38,"end":1655.7401},{"sentences":[{"text":"Yes.","start":1655.7,"end":1656.2,"sentiment":"neutral","sentiment_score":0.0374784991145134}],"sentiment":"neutral","sentiment_score":0.0374784991145134,"channel":1,"num_words":1,"start":1655.7,"end":1656.2},{"sentences":[{"text":"same as the super, and that all has to be included in your personal tax return.","start":1655.7401,"end":1660.645,"sentiment":"neutral","sentiment_score":0.09835385554470122},{"text":"So it doesn't actually reduce your tax payable.","start":1660.645,"end":1664.265,"sentiment":"neutral","sentiment_score":-0.01498007836198667}],"sentiment":"neutral","sentiment_score":0.06057587757580526,"channel":0,"num_words":24,"start":1655.7401,"end":1664.265},{"sentences":[{"text":"Yes.","start":1664.98,"end":1665.48,"sentiment":"neutral","sentiment_score":-0.0027379393577575684}],"sentiment":"neutral","sentiment_score":-0.0027379393577575684,"channel":1,"num_words":1,"start":1664.98,"end":1665.48},{"sentences":[{"text":"Under under the legislation under the tax act, we actually can't provide advice solely for the purpose of reducing tax.","start":1665.685,"end":1672.14,"sentiment":"neutral","sentiment_score":-0.09119043666869402},{"text":"That is seen as a tax avoidance measure.","start":1672.22,"end":1674.72,"sentiment":"neutral","sentiment_score":-0.2942531257867813},{"text":"But if you're looking","start":1675.58,"end":1676.7001,"sentiment":"neutral","sentiment_score":-0.04812082089483738}],"sentiment":"neutral","sentiment_score":-0.13657240697648376,"channel":0,"num_words":32,"start":1665.685,"end":1676.7001},{"sentences":[{"text":"That's","start":1676.425,"end":1676.745,"sentiment":"neutral","sentiment_score":-0.23528775572776792}],"sentiment":"neutral","sentiment_score":-0.23528775572776792,"channel":1,"num_words":1,"start":1676.425,"end":1676.745},{"sentences":[{"text":"to","start":1676.7001,"end":1677.02,"sentiment":"negative","sentiment_score":-0.4418341517448426}],"sentiment":"negative","sentiment_score":-0.4418341517448426,"channel":0,"num_words":1,"start":1676.7001,"end":1677.02},{"sentences":[{"text":"disappointing,","start":1676.745,"end":1677.225,"sentiment":"negative","sentiment_score":-0.4220677614212036}],"sentiment":"negative","sentiment_score":-0.4220677614212036,"channel":1,"num_words":1,"start":1676.745,"end":1677.225},{"sentences":[{"text":"buy","start":1677.02,"end":1677.34,"sentiment":"negative","sentiment_score":-0.43036413192749023}],"sentiment":"negative","sentiment_score":-0.43036413192749023,"channel":0,"num_words":1,"start":1677.02,"end":1677.34},{"sentences":[{"text":"isn't","start":1677.225,"end":1677.545,"sentiment":"neutral","sentiment_score":-0.31593817472457886}],"sentiment":"neutral","sentiment_score":-0.31593817472457886,"channel":1,"num_words":1,"start":1677.225,"end":1677.545},{"sentences":[{"text":"a new","start":1677.34,"end":1677.66,"sentiment":"neutral","sentiment_score":-0.26235511153936386}],"sentiment":"neutral","sentiment_score":-0.26235511153936386,"channel":0,"num_words":2,"start":1677.34,"end":1677.66},{"sentences":[{"text":"it?","start":1677.545,"end":1678.045,"sentiment":"neutral","sentiment_score":-0.2483997642993927}],"sentiment":"neutral","sentiment_score":-0.2483997642993927,"channel":1,"num_words":1,"start":1677.545,"end":1678.045},{"sentences":[{"text":"property, it is actually because that's, I mean, that's the whole reason we tend to do these sorts of things.","start":1677.66,"end":1683.12,"sentiment":"neutral","sentiment_score":-0.23939095586538314}],"sentiment":"neutral","sentiment_score":-0.23939095586538314,"channel":0,"num_words":20,"start":1677.66,"end":1683.12},{"sentences":[{"text":"Yeah.","start":1682.745,"end":1683.245,"sentiment":"neutral","sentiment_score":-0.09688916802406312}],"sentiment":"neutral","sentiment_score":-0.09688916802406312,"channel":1,"num_words":1,"start":1682.745,"end":1683.245},{"sentences":[{"text":"We just have to call it something else.","start":1683.34,"end":1685.28,"sentiment":"neutral","sentiment_score":-0.1080145314335823}],"sentiment":"neutral","sentiment_score":-0.1080145314335823,"channel":0,"num_words":8,"start":1683.34,"end":1685.28},{"sentences":[{"text":"Yeah.","start":1686.5801,"end":1687.0801,"sentiment":"neutral","sentiment_score":-0.036054350435733795}],"sentiment":"neutral","sentiment_score":-0.036054350435733795,"channel":1,"num_words":1,"start":1686.5801,"end":1687.0801},{"sentences":[{"text":"But, realistically, like, if you're wanting to be able to build wealth outside of so far,","start":1688.095,"end":1692.595,"sentiment":"neutral","sentiment_score":0.04157658612530213}],"sentiment":"neutral","sentiment_score":0.04157658612530213,"channel":0,"num_words":16,"start":1688.095,"end":1692.595},{"sentences":[{"text":"Yep.","start":1692.9,"end":1693.4,"sentiment":"neutral","sentiment_score":0.07199614495038986}],"sentiment":"neutral","sentiment_score":0.07199614495038986,"channel":1,"num_words":1,"start":1692.9,"end":1693.4},{"sentences":[{"text":"looking at, say, an investment property is a good way to do that.","start":1692.975,"end":1696.975,"sentiment":"neutral","sentiment_score":0.11991356915006271},{"text":"You're, you know, building your ad your net assets and growing investments to the future, and property tends to do very well over the longer term there as well.","start":1696.975,"end":1705.5801,"sentiment":"positive","sentiment_score":0.5025737604190563}],"sentiment":"positive","sentiment_score":0.3841313202643678,"channel":0,"num_words":42,"start":1692.975,"end":1705.5801},{"sentences":[{"text":"Yep.","start":1705.915,"end":1706.415,"sentiment":"neutral","sentiment_score":0.1769290417432785}],"sentiment":"neutral","sentiment_score":0.1769290417432785,"channel":1,"num_words":1,"start":1705.915,"end":1706.415},{"sentences":[{"text":"And then if you rent the property out, plus you've got management fees and you've got, you know, you've gotta look after the property as well, so ongoing maintenance costs and things like that.","start":1706.12,"end":1715.02,"sentiment":"neutral","sentiment_score":0.04812962096184492},{"text":"If","start":1715.265,"end":1715.505,"sentiment":"neutral","sentiment_score":-0.027373619377613068}],"sentiment":"neutral","sentiment_score":0.045972385523574695,"channel":0,"num_words":35,"start":1706.12,"end":1715.505},{"sentences":[{"text":"Yep.","start":1715.3099,"end":1715.8099,"sentiment":"neutral","sentiment_score":-0.03289475291967392}],"sentiment":"neutral","sentiment_score":-0.03289475291967392,"channel":1,"num_words":1,"start":1715.3099,"end":1715.8099},{"sentences":[{"text":"the rent you're bringing in just so happens to not cover the cost of the loan repayment or sorry.","start":1715.505,"end":1722.225,"sentiment":"neutral","sentiment_score":-0.11798578461534098},{"text":"It's not so much the principal.","start":1722.225,"end":1723.505,"sentiment":"neutral","sentiment_score":-0.10565495615204175},{"text":"It's the interest on the loan repayment plus your","start":1723.505,"end":1725.8251,"sentiment":"neutral","sentiment_score":-0.029092466458678246}],"sentiment":"neutral","sentiment_score":-0.09227917184505392,"channel":0,"num_words":34,"start":1715.505,"end":1725.8251},{"sentences":[{"text":"Mhmm.","start":1725.7899,"end":1726.2899,"sentiment":"neutral","sentiment_score":-0.0586911216378212}],"sentiment":"neutral","sentiment_score":-0.0586911216378212,"channel":1,"num_words":1,"start":1725.7899,"end":1726.2899},{"sentences":[{"text":"management fees plus your ongoing maintenance costs, then you've technically negatively geared the property, and","start":1725.8251,"end":1731.24,"sentiment":"neutral","sentiment_score":-0.1648100957274437}],"sentiment":"neutral","sentiment_score":-0.1648100957274437,"channel":0,"num_words":15,"start":1725.8251,"end":1731.24},{"sentences":[{"text":"Yep.","start":1731.145,"end":1731.645,"sentiment":"neutral","sentiment_score":-0.015768570825457573}],"sentiment":"neutral","sentiment_score":-0.015768570825457573,"channel":1,"num_words":1,"start":1731.145,"end":1731.645},{"sentences":[{"text":"that gives you a tax deduction.","start":1731.24,"end":1732.78,"sentiment":"neutral","sentiment_score":0.0675756186246872},{"text":"And that works out really well.","start":1734.04,"end":1736.12,"sentiment":"positive","sentiment_score":0.3871085047721863},{"text":"It's one of the best ways to be able to minimize the amount of tax we are paying.","start":1736.12,"end":1741.26,"sentiment":"neutral","sentiment_score":0.2657226365473535},{"text":"But the tough thing at the moment is that with this bill coming in, it's well, if this bill goes through, then it might change the way we are able to negatively","start":1742.36,"end":1752.995,"sentiment":"negative","sentiment_score":-0.45908754086121917}],"sentiment":"neutral","sentiment_score":-0.11580143724718402,"channel":0,"num_words":62,"start":1731.24,"end":1752.995},{"sentences":[{"text":"Yep.","start":1752.53,"end":1753.03,"sentiment":"neutral","sentiment_score":-0.2612393796443939}],"sentiment":"neutral","sentiment_score":-0.2612393796443939,"channel":1,"num_words":1,"start":1752.53,"end":1753.03},{"sentences":[{"text":"give.","start":1753.135,"end":1753.455,"sentiment":"neutral","sentiment_score":-0.15028461813926697},{"text":"So I'm just of the opinion at the moment.","start":1753.455,"end":1756.255,"sentiment":"neutral","sentiment_score":-0.09680753284030491},{"text":"Have a think about what you'd like to do.","start":1756.255,"end":1758.095,"sentiment":"neutral","sentiment_score":-0.020284342372583017},{"text":"If and when you wanna sort of look at buying a new property, we can put you in touch with a mortgage broker to sort of help you with that.","start":1758.095,"end":1764.3999,"sentiment":"neutral","sentiment_score":0.032700452394783495}],"sentiment":"neutral","sentiment_score":-0.0045530188410561915,"channel":0,"num_words":49,"start":1753.135,"end":1764.3999},{"sentences":[{"text":"Yep.","start":1764.805,"end":1765.305,"sentiment":"neutral","sentiment_score":-0.026918357238173485}],"sentiment":"neutral","sentiment_score":-0.026918357238173485,"channel":1,"num_words":1,"start":1764.805,"end":1765.305},{"sentences":[{"text":"But I would be very mindful of just being cautious about doing it now.","start":1765.02,"end":1769.02,"sentiment":"negative","sentiment_score":-0.391295211655753},{"text":"I'd be waiting to see what happens with this bill to work out whether you buy your forever home and rent the current property out or whether you have to buy a new property to be able to look at negative gearing to benefit you.","start":1769.02,"end":1781.6649,"sentiment":"negative","sentiment_score":-0.3335596372683843},{"text":"Does that make sense?","start":1781.6649,"end":1782.645,"sentiment":"neutral","sentiment_score":-0.17723295092582703}],"sentiment":"negative","sentiment_score":-0.3364642610152562,"channel":0,"num_words":63,"start":1765.02,"end":1782.645},{"sentences":[{"text":"Yeah.","start":1782.225,"end":1782.725,"sentiment":"neutral","sentiment_score":-0.02314588613808155},{"text":"Yep.","start":1782.865,"end":1783.345,"sentiment":"neutral","sentiment_score":0.01123214140534401},{"text":"Yep.","start":1783.345,"end":1783.845,"sentiment":"neutral","sentiment_score":0.020988088101148605}],"sentiment":"neutral","sentiment_score":0.003024781122803688,"channel":1,"num_words":3,"start":1782.225,"end":1783.845},{"sentences":[{"text":"Yeah.","start":1783.585,"end":1784.085,"sentiment":"neutral","sentiment_score":-0.02531827613711357},{"text":"There's just","start":1784.705,"end":1785.345,"sentiment":"neutral","sentiment_score":-0.13216563314199448}],"sentiment":"neutral","sentiment_score":-0.09654984747370084,"channel":0,"num_words":3,"start":1783.585,"end":1785.345},{"sentences":[{"text":"I'd","start":1785.185,"end":1785.665,"sentiment":"neutral","sentiment_score":-0.19378459453582764}],"sentiment":"neutral","sentiment_score":-0.19378459453582764,"channel":1,"num_words":1,"start":1785.185,"end":1785.665},{"sentences":[{"text":"so much happening here at the moment.","start":1785.345,"end":1787.0449,"sentiment":"neutral","sentiment_score":-0.1806670640196119}],"sentiment":"neutral","sentiment_score":-0.1806670640196119,"channel":0,"num_words":7,"start":1785.345,"end":1787.0449},{"sentences":[{"text":"yeah.","start":1787.745,"end":1788.245,"sentiment":"neutral","sentiment_score":-0.16220422089099884},{"text":"I probably still need to look at I'd say this year, I'll max out, what would you say, super or, like, when I say max out at 15% tax rate.","start":1788.385,"end":1800.75,"sentiment":"neutral","sentiment_score":-0.14909024983644487}],"sentiment":"neutral","sentiment_score":-0.1495132811607853,"channel":1,"num_words":31,"start":1787.745,"end":1800.75},{"sentences":[{"text":"Yep.","start":1801.13,"end":1801.5299,"sentiment":"neutral","sentiment_score":0.1307355761528015},{"text":"Yeah.","start":1801.5299,"end":1802.0299,"sentiment":"neutral","sentiment_score":0.22457119822502136}],"sentiment":"neutral","sentiment_score":0.17765338718891144,"channel":0,"num_words":2,"start":1801.13,"end":1802.0299},{"sentences":[{"text":"I should be looking to do that moving forward, I imagine.","start":1806.1549,"end":1809.215,"sentiment":"neutral","sentiment_score":0.3032407760620117},{"text":"Keep maxing that","start":1809.2749,"end":1810.235,"sentiment":"neutral","sentiment_score":0.10583423326412837}],"sentiment":"neutral","sentiment_score":0.26093937403389383,"channel":1,"num_words":14,"start":1806.1549,"end":1810.235},{"sentences":[{"text":"Yeah.","start":1809.9551,"end":1810.115,"sentiment":"neutral","sentiment_score":0.07778073102235794},{"text":"Yeah.","start":1810.115,"end":1810.615,"sentiment":"neutral","sentiment_score":0.09754031896591188}],"sentiment":"neutral","sentiment_score":0.0876605249941349,"channel":0,"num_words":2,"start":1809.9551,"end":1810.615},{"sentences":[{"text":"out.","start":1810.235,"end":1810.735,"sentiment":"neutral","sentiment_score":0.07819046080112457}],"sentiment":"neutral","sentiment_score":0.07819046080112457,"channel":1,"num_words":1,"start":1810.235,"end":1810.735},{"sentences":[{"text":"Yeah.","start":1811.635,"end":1811.7151,"sentiment":"neutral","sentiment_score":0.18129882216453552},{"text":"Perfect.","start":1811.7151,"end":1812.2151,"sentiment":"positive","sentiment_score":0.3771366477012634}],"sentiment":"neutral","sentiment_score":0.2792177349328995,"channel":0,"num_words":2,"start":1811.635,"end":1812.2151},{"sentences":[{"text":"What's the maximum?","start":1812.5549,"end":1813.615,"sentiment":"neutral","sentiment_score":0.05862169216076533},{"text":"Is is it up to $30, or is it 27","start":1813.995,"end":1818.0149,"sentiment":"neutral","sentiment_score":0.019639183953404426}],"sentiment":"neutral","sentiment_score":0.028635147385872327,"channel":1,"num_words":13,"start":1812.5549,"end":1818.0149},{"sentences":[{"text":"Yeah.","start":1817.5701,"end":1817.89,"sentiment":"neutral","sentiment_score":0.06007154658436775},{"text":"So yeah.","start":1817.89,"end":1819.5701,"sentiment":"neutral","sentiment_score":0.008397610858082766},{"text":"So this financial year, you can put in there up to the 30,000.","start":1819.5701,"end":1823.8301,"sentiment":"neutral","sentiment_score":0.07868971389073592}],"sentiment":"neutral","sentiment_score":0.06873956555500627,"channel":0,"num_words":16,"start":1817.5701,"end":1823.8301},{"sentences":[{"text":"r?","start":1824.3401,"end":1824.5,"sentiment":"neutral","sentiment_score":0.044239602982997894},{"text":"Yep.","start":1824.5,"end":1825.0,"sentiment":"neutral","sentiment_score":0.184179425239563}],"sentiment":"neutral","sentiment_score":0.11420951411128044,"channel":1,"num_words":2,"start":1824.3401,"end":1825.0},{"sentences":[{"text":"You could also look at utilizing some catch up contributions.","start":1825.17,"end":1829.0449,"sentiment":"neutral","sentiment_score":0.11752797886729241},{"text":"I would say utilizing catch up contribution because your balance is a lot higher, once you hit that $500,000 balance as of the July 1, any financial year, you actually lose access to your catch up contributions.","start":1829.5049,"end":1843.445,"sentiment":"neutral","sentiment_score":-0.08718545593925424},{"text":"So","start":1844.21,"end":1844.4501,"sentiment":"neutral","sentiment_score":-0.22162188589572904}],"sentiment":"neutral","sentiment_score":-0.04733758264531692,"channel":0,"num_words":48,"start":1825.17,"end":1844.4501},{"sentences":[{"text":"Isn't","start":1844.265,"end":1844.6649,"sentiment":"negative","sentiment_score":-0.5436906218528748}],"sentiment":"negative","sentiment_score":-0.5436906218528748,"channel":1,"num_words":1,"start":1844.265,"end":1844.6649},{"sentences":[{"text":"if","start":1844.4501,"end":1844.77,"sentiment":"negative","sentiment_score":-0.4930750131607056}],"sentiment":"negative","sentiment_score":-0.4930750131607056,"channel":0,"num_words":1,"start":1844.4501,"end":1844.77},{"sentences":[{"text":"good.","start":1844.6649,"end":1845.1649,"sentiment":"negative","sentiment_score":-0.4648906886577606}],"sentiment":"negative","sentiment_score":-0.4648906886577606,"channel":1,"num_words":1,"start":1844.6649,"end":1845.1649},{"sentences":[{"text":"you wanted to","start":1844.77,"end":1845.49,"sentiment":"neutral","sentiment_score":-0.10961531599362691}],"sentiment":"neutral","sentiment_score":-0.10961531599362691,"channel":0,"num_words":3,"start":1844.77,"end":1845.49},{"sentences":[{"text":"They're really stuffing me around.","start":1845.5449,"end":1847.245,"sentiment":"negative","sentiment_score":-0.582196855545044}],"sentiment":"negative","sentiment_score":-0.582196855545044,"channel":1,"num_words":5,"start":1845.5449,"end":1847.245},{"sentences":[{"text":"yeah.","start":1848.93,"end":1849.43,"sentiment":"neutral","sentiment_score":-0.10149061679840088},{"text":"If you wanted to, you could send through your catch up contributions, and I can have a look at that for you and work out what you could put in this year to kind of give you a little bit of an extra tax deduction.","start":1850.6901,"end":1859.51,"sentiment":"neutral","sentiment_score":0.2020491608315044}],"sentiment":"neutral","sentiment_score":0.19545047001346297,"channel":0,"num_words":46,"start":1848.93,"end":1859.51},{"sentences":[{"text":"Yeah.","start":1860.7,"end":1861.02,"sentiment":"neutral","sentiment_score":-0.017646517604589462},{"text":"It's probably not as silly as it sounds.","start":1861.02,"end":1862.72,"sentiment":"neutral","sentiment_score":-0.2253775242716074}],"sentiment":"neutral","sentiment_score":-0.2022963013086054,"channel":1,"num_words":9,"start":1860.7,"end":1862.72},{"sentences":[{"text":"No.","start":1863.775,"end":1864.255,"sentiment":"neutral","sentiment_score":-0.15945492684841156},{"text":"No.","start":1864.255,"end":1864.755,"sentiment":"neutral","sentiment_score":-0.13812851905822754}],"sentiment":"neutral","sentiment_score":-0.14879172295331955,"channel":0,"num_words":2,"start":1863.775,"end":1864.755},{"sentences":[{"text":"So how do","start":1865.165,"end":1865.805,"sentiment":"neutral","sentiment_score":-0.00705262025197347}],"sentiment":"neutral","sentiment_score":-0.00705262025197347,"channel":1,"num_words":3,"start":1865.165,"end":1865.805},{"sentences":[{"text":"Because","start":1865.6951,"end":1866.1951,"sentiment":"neutral","sentiment_score":-0.002392247319221497}],"sentiment":"neutral","sentiment_score":-0.002392247319221497,"channel":0,"num_words":1,"start":1865.6951,"end":1866.1951},{"sentences":[{"text":"I go about working out what my catch up could be?","start":1865.805,"end":1868.785,"sentiment":"neutral","sentiment_score":0.07624072920192372}],"sentiment":"neutral","sentiment_score":0.07624072920192372,"channel":1,"num_words":11,"start":1865.805,"end":1868.785},{"sentences":[{"text":"if if you like, I'll send you an email after the call.","start":1869.135,"end":1871.615,"sentiment":"neutral","sentiment_score":0.11759687587618828},{"text":"It'll have instructions on how to access that through your MyGov account.","start":1871.615,"end":1875.27,"sentiment":"neutral","sentiment_score":0.11994090862572193},{"text":"If you","start":1875.27,"end":1875.59,"sentiment":"neutral","sentiment_score":0.10555218532681465}],"sentiment":"neutral","sentiment_score":0.11775222248755969,"channel":0,"num_words":26,"start":1869.135,"end":1875.59},{"sentences":[{"text":"Yep.","start":1875.5651,"end":1876.0651,"sentiment":"neutral","sentiment_score":0.1161435768008232}],"sentiment":"neutral","sentiment_score":0.1161435768008232,"channel":1,"num_words":1,"start":1875.5651,"end":1876.0651},{"sentences":[{"text":"can get a hold of that and send it through","start":1875.59,"end":1877.43,"sentiment":"neutral","sentiment_score":0.11304419115185738}],"sentiment":"neutral","sentiment_score":0.11304419115185738,"channel":0,"num_words":10,"start":1875.59,"end":1877.43},{"sentences":[{"text":"Yep.","start":1877.28,"end":1877.78,"sentiment":"neutral","sentiment_score":0.1256866157054901}],"sentiment":"neutral","sentiment_score":0.1256866157054901,"channel":1,"num_words":1,"start":1877.28,"end":1877.78},{"sentences":[{"text":"to me, I can have a look at what you've got packed up space.","start":1877.43,"end":1881.77,"sentiment":"neutral","sentiment_score":0.15490213515503065},{"text":"And if you're comfortable do you know how much you would like to know you put in the super?","start":1882.15,"end":1886.71,"sentiment":"neutral","sentiment_score":0.03653244576171825},{"text":"Do you have, like, a lump sum amount you'd be comfortable with?","start":1886.71,"end":1889.43,"sentiment":"neutral","sentiment_score":0.029909796081483364},{"text":"Or","start":1889.43,"end":1889.93,"sentiment":"neutral","sentiment_score":0.004480987787246704}],"sentiment":"neutral","sentiment_score":0.0701335848349592,"channel":0,"num_words":46,"start":1877.43,"end":1889.93},{"sentences":[{"text":"So when I say catch up, does that have to go straight from payroll from work, or can I grab money out of the bank and put it in?","start":1890.8,"end":1897.685,"sentiment":"neutral","sentiment_score":-0.019288460884628624}],"sentiment":"neutral","sentiment_score":-0.019288460884628624,"channel":1,"num_words":29,"start":1890.8,"end":1897.685},{"sentences":[{"text":"that's exactly it.","start":1898.225,"end":1899.105,"sentiment":"neutral","sentiment_score":0.056519667307535805},{"text":"So take money out of your bank account, and we transfer it into super, and then we claim a notice of intent against that once it's in super.","start":1899.105,"end":1905.765,"sentiment":"neutral","sentiment_score":0.03468525644192206}],"sentiment":"neutral","sentiment_score":0.03679826394504597,"channel":0,"num_words":31,"start":1898.225,"end":1905.765},{"sentences":[{"text":"Yep.","start":1906.065,"end":1906.565,"sentiment":"neutral","sentiment_score":0.07437832653522491},{"text":"Okay.","start":1907.4501,"end":1907.9501,"sentiment":"neutral","sentiment_score":0.09601889550685884},{"text":"Yeah.","start":1908.49,"end":1908.73,"sentiment":"neutral","sentiment_score":0.11117810010910034},{"text":"Right.","start":1908.73,"end":1909.05,"sentiment":"neutral","sentiment_score":0.1442704200744629},{"text":"There we go.","start":1909.05,"end":1909.9501,"sentiment":"neutral","sentiment_score":0.21278156836827597}],"sentiment":"neutral","sentiment_score":0.15202720676149642,"channel":1,"num_words":7,"start":1906.065,"end":1909.9501},{"sentences":[{"text":"Nice.","start":1910.01,"end":1910.51,"sentiment":"positive","sentiment_score":0.5391749143600464}],"sentiment":"positive","sentiment_score":0.5391749143600464,"channel":1,"num_words":1,"start":1910.01,"end":1910.51},{"sentences":[{"text":"Yeah.","start":1910.19,"end":1910.67,"sentiment":"neutral","sentiment_score":0.2251131534576416}],"sentiment":"neutral","sentiment_score":0.2251131534576416,"channel":0,"num_words":1,"start":1910.19,"end":1910.67},{"sentences":[{"text":"Alright.","start":1910.65,"end":1911.15,"sentiment":"neutral","sentiment_score":0.23235414922237396}],"sentiment":"neutral","sentiment_score":0.23235414922237396,"channel":1,"num_words":1,"start":1910.65,"end":1911.15},{"sentences":[{"text":"So the way it works you're right.","start":1910.67,"end":1912.67,"sentiment":"neutral","sentiment_score":0.21892725782735006},{"text":"To give you a bit of clarity there, it's called a deductible contribution.","start":1912.67,"end":1916.29,"sentiment":"neutral","sentiment_score":0.09670457587792324},{"text":"So we take money that you've already paid tax on, like, out of your bank account or savings","start":1916.43,"end":1920.93,"sentiment":"neutral","sentiment_score":0.07348290541105801}],"sentiment":"neutral","sentiment_score":0.10821954180535517,"channel":0,"num_words":38,"start":1910.67,"end":1920.93},{"sentences":[{"text":"Mhmm.","start":1920.49,"end":1920.99,"sentiment":"neutral","sentiment_score":0.06733007729053497}],"sentiment":"neutral","sentiment_score":0.06733007729053497,"channel":1,"num_words":1,"start":1920.49,"end":1920.99},{"sentences":[{"text":"or something like that, you transfer that straight into super.","start":1920.99,"end":1924.255,"sentiment":"neutral","sentiment_score":0.08796778842806816},{"text":"Because looking at your contributions this financial year, you're right on that twenty nine thousand nine six three already.","start":1924.255,"end":1930.335,"sentiment":"neutral","sentiment_score":0.17014478519558907},{"text":"So you're basically capping out with your","start":1930.335,"end":1932.515,"sentiment":"neutral","sentiment_score":0.1540249798979078}],"sentiment":"neutral","sentiment_score":0.14418343506339523,"channel":0,"num_words":36,"start":1920.99,"end":1932.515},{"sentences":[{"text":"Yep.","start":1932.405,"end":1932.905,"sentiment":"neutral","sentiment_score":0.10378813743591309}],"sentiment":"neutral","sentiment_score":0.10378813743591309,"channel":1,"num_words":1,"start":1932.405,"end":1932.905},{"sentences":[{"text":"contributions","start":1932.575,"end":1933.075,"sentiment":"neutral","sentiment_score":0.019694171845912933}],"sentiment":"neutral","sentiment_score":0.019694171845912933,"channel":0,"num_words":1,"start":1932.575,"end":1933.075},{"sentences":[{"text":"Mhmm.","start":1932.965,"end":1933.205,"sentiment":"neutral","sentiment_score":0.026397813111543655},{"text":"Yeah.","start":1933.205,"end":1933.59,"sentiment":"neutral","sentiment_score":0.017136992886662483}],"sentiment":"neutral","sentiment_score":0.02176740299910307,"channel":1,"num_words":2,"start":1932.965,"end":1933.59},{"sentences":[{"text":"currently.","start":1933.2949,"end":1933.7949,"sentiment":"neutral","sentiment_score":-0.004684919491410255}],"sentiment":"neutral","sentiment_score":-0.004684919491410255,"channel":0,"num_words":1,"start":1933.2949,"end":1933.7949},{"sentences":[{"text":"Yeah.","start":1933.9099,"end":1934.23,"sentiment":"neutral","sentiment_score":0.00727908406406641},{"text":"And I've still got another and I've still got another pay to come in,","start":1934.23,"end":1938.1699,"sentiment":"neutral","sentiment_score":0.00919134435909135}],"sentiment":"neutral","sentiment_score":0.009063860339423021,"channel":1,"num_words":15,"start":1933.9099,"end":1938.1699},{"sentences":[{"text":"Mhmm.","start":1938.29,"end":1938.79,"sentiment":"neutral","sentiment_score":0.0019020852632820608}],"sentiment":"neutral","sentiment_score":0.0019020852632820608,"channel":0,"num_words":1,"start":1938.29,"end":1938.79},{"sentences":[{"text":"I imagine.","start":1939.27,"end":1939.85,"sentiment":"neutral","sentiment_score":0.005392404273152351}],"sentiment":"neutral","sentiment_score":0.005392404273152351,"channel":1,"num_words":2,"start":1939.27,"end":1939.85},{"sentences":[{"text":"Yeah.","start":1941.09,"end":1941.59,"sentiment":"neutral","sentiment_score":0.04656068980693817},{"text":"Are","start":1942.13,"end":1942.37,"sentiment":"neutral","sentiment_score":0.03549208864569664}],"sentiment":"neutral","sentiment_score":0.041026389226317406,"channel":0,"num_words":2,"start":1941.09,"end":1942.37},{"sentences":[{"text":"I still","start":1942.15,"end":1942.5499,"sentiment":"neutral","sentiment_score":0.04726930893957615}],"sentiment":"neutral","sentiment_score":0.04726930893957615,"channel":1,"num_words":2,"start":1942.15,"end":1942.5499},{"sentences":[{"text":"you","start":1942.37,"end":1942.53,"sentiment":"neutral","sentiment_score":0.06098034977912903}],"sentiment":"neutral","sentiment_score":0.06098034977912903,"channel":0,"num_words":1,"start":1942.37,"end":1942.53},{"sentences":[{"text":"got","start":1942.5499,"end":1942.71,"sentiment":"neutral","sentiment_score":0.04979293793439865}],"sentiment":"neutral","sentiment_score":0.04979293793439865,"channel":1,"num_words":1,"start":1942.5499,"end":1942.71},{"sentences":[{"text":"I'm just looking at your contributions going in.","start":1942.6901,"end":1945.01,"sentiment":"neutral","sentiment_score":0.05360319837927818},{"text":"Let's","start":1945.01,"end":1945.25,"sentiment":"neutral","sentiment_score":0.060503922402858734}],"sentiment":"neutral","sentiment_score":0.05436994549300936,"channel":0,"num_words":9,"start":1942.6901,"end":1945.25},{"sentences":[{"text":"yeah.","start":1945.11,"end":1945.51,"sentiment":"neutral","sentiment_score":0.06869085133075714}],"sentiment":"neutral","sentiment_score":0.06869085133075714,"channel":1,"num_words":1,"start":1945.11,"end":1945.51},{"sentences":[{"text":"have a look.","start":1945.25,"end":1945.99,"sentiment":"neutral","sentiment_score":0.060735599448283516}],"sentiment":"neutral","sentiment_score":0.060735599448283516,"channel":0,"num_words":3,"start":1945.25,"end":1945.99},{"sentences":[{"text":"Because yeah.","start":1945.51,"end":1946.63,"sentiment":"neutral","sentiment_score":0.048016536980867386},{"text":"Because I'm on salary, and I get paid monthly.","start":1946.63,"end":1948.65,"sentiment":"neutral","sentiment_score":0.03677908248371548}],"sentiment":"neutral","sentiment_score":0.03882225602865219,"channel":1,"num_words":11,"start":1945.51,"end":1948.65},{"sentences":[{"text":"Yeah.","start":1949.89,"end":1950.37,"sentiment":"neutral","sentiment_score":0.06457524746656418},{"text":"Okay.","start":1950.37,"end":1950.87,"sentiment":"neutral","sentiment_score":0.07946652919054031}],"sentiment":"neutral","sentiment_score":0.07202088832855225,"channel":0,"num_words":2,"start":1949.89,"end":1950.87},{"sentences":[{"text":"So I'll still I'll still have one to come.","start":1950.4049,"end":1952.745,"sentiment":"neutral","sentiment_score":0.12440183013677597}],"sentiment":"neutral","sentiment_score":0.12440183013677597,"channel":1,"num_words":9,"start":1950.4049,"end":1952.745},{"sentences":[{"text":"Yep.","start":1953.625,"end":1954.125,"sentiment":"neutral","sentiment_score":0.2529555857181549},{"text":"Perfect.","start":1954.745,"end":1955.245,"sentiment":"positive","sentiment_score":0.5591505765914917},{"text":"Where are we?","start":1956.745,"end":1957.545,"sentiment":"neutral","sentiment_score":0.20301645000775656},{"text":"So I'm actually here.","start":1957.545,"end":1962.365,"sentiment":"neutral","sentiment_score":0.16222242265939713},{"text":"I'm just having a quick look at your contributions.","start":1963.785,"end":1965.805,"sentiment":"neutral","sentiment_score":0.16879851288265652}],"sentiment":"neutral","sentiment_score":0.19940176771746743,"channel":0,"num_words":18,"start":1953.625,"end":1965.805},{"sentences":[{"text":"They tend to go in around the fifteenth of every month.","start":1965.865,"end":1969.76,"sentiment":"neutral","sentiment_score":0.10242412239313126},{"text":"So around about the","start":1969.76,"end":1970.72,"sentiment":"neutral","sentiment_score":0.10618428699672222}],"sentiment":"neutral","sentiment_score":0.10342683295408885,"channel":0,"num_words":15,"start":1965.865,"end":1970.72},{"sentences":[{"text":"Yep.","start":1970.64,"end":1971.14,"sentiment":"neutral","sentiment_score":0.11877071857452393}],"sentiment":"neutral","sentiment_score":0.11877071857452393,"channel":1,"num_words":1,"start":1970.64,"end":1971.14},{"sentences":[{"text":"fifteenth of next month, you'll have","start":1970.72,"end":1972.58,"sentiment":"neutral","sentiment_score":0.14064488684137663}],"sentiment":"neutral","sentiment_score":0.14064488684137663,"channel":0,"num_words":6,"start":1970.72,"end":1972.58},{"sentences":[{"text":"Yep.","start":1972.4,"end":1972.9,"sentiment":"neutral","sentiment_score":0.1318686604499817}],"sentiment":"neutral","sentiment_score":0.1318686604499817,"channel":1,"num_words":1,"start":1972.4,"end":1972.9},{"sentences":[{"text":"probably another $1,800 there.","start":1972.64,"end":1974.96,"sentiment":"neutral","sentiment_score":0.1222061738371849},{"text":"So","start":1974.96,"end":1975.46,"sentiment":"neutral","sentiment_score":0.11824122071266174}],"sentiment":"neutral","sentiment_score":0.12141318321228027,"channel":0,"num_words":5,"start":1972.64,"end":1975.46},{"sentences":[{"text":"Yes.","start":1975.52,"end":1976.02,"sentiment":"neutral","sentiment_score":0.2423599064350128}],"sentiment":"neutral","sentiment_score":0.2423599064350128,"channel":1,"num_words":1,"start":1975.52,"end":1976.02},{"sentences":[{"text":"because your balance was under 500,000 as at the July 1 year, you should still have access to those types of contributions.","start":1976.0,"end":1983.5751,"sentiment":"neutral","sentiment_score":0.28673877770250494},{"text":"But if we don't use them this year, you may not get access to them next financial year depending on how your balance goes.","start":1983.7151,"end":1990.935,"sentiment":"neutral","sentiment_score":-0.1959312887241443},{"text":"I reckon","start":1991.155,"end":1991.555,"sentiment":"neutral","sentiment_score":0.013220136985182762}],"sentiment":"neutral","sentiment_score":0.0340071344592919,"channel":0,"num_words":48,"start":1976.0,"end":1991.555},{"sentences":[{"text":"Yeah.","start":1991.53,"end":1992.03,"sentiment":"neutral","sentiment_score":0.07081012427806854}],"sentiment":"neutral","sentiment_score":0.07081012427806854,"channel":1,"num_words":1,"start":1991.53,"end":1992.03},{"sentences":[{"text":"you might get one more year out of them, but it just depends upon what the market does as well.","start":1991.555,"end":1995.655,"sentiment":"neutral","sentiment_score":0.03092342410236597},{"text":"But, essentially, with a deductible contribution, we take some money out of your bank account.","start":1995.7999,"end":2000.46,"sentiment":"neutral","sentiment_score":0.06055468072493871},{"text":"You've already paid tax on that money, put that into super, and then we claim a notice of intent.","start":2000.6,"end":2005.58,"sentiment":"neutral","sentiment_score":0.05965302296374973},{"text":"That then","start":2006.0399,"end":2006.86,"sentiment":"neutral","sentiment_score":0.09647738561034203}],"sentiment":"neutral","sentiment_score":0.05094912322238088,"channel":0,"num_words":56,"start":1991.555,"end":2006.86},{"sentences":[{"text":"Yep.","start":2006.425,"end":2006.925,"sentiment":"neutral","sentiment_score":0.07717462629079819}],"sentiment":"neutral","sentiment_score":0.07717462629079819,"channel":1,"num_words":1,"start":2006.425,"end":2006.925},{"sentences":[{"text":"means that the super fund about 15% tax.","start":2007.1599,"end":2009.745,"sentiment":"neutral","sentiment_score":0.09357571974396706},{"text":"It changes the contribution, and then the amount you put into super, you can claim on your tax return as a bit of a tax deduction.","start":2009.745,"end":2017.285,"sentiment":"neutral","sentiment_score":0.22384377798208824},{"text":"So","start":2017.585,"end":2018.085,"sentiment":"neutral","sentiment_score":0.2903892695903778}],"sentiment":"neutral","sentiment_score":0.19596952157361167,"channel":0,"num_words":35,"start":2007.1599,"end":2018.085},{"sentences":[{"text":"Yep.","start":2018.105,"end":2018.605,"sentiment":"positive","sentiment_score":0.5262253284454346}],"sentiment":"positive","sentiment_score":0.5262253284454346,"channel":1,"num_words":1,"start":2018.105,"end":2018.605},{"sentences":[{"text":"it kind of works really well to help reduce your taxable income a bit there as well.","start":2018.225,"end":2022.5651,"sentiment":"positive","sentiment_score":0.5029375991400551}],"sentiment":"positive","sentiment_score":0.5029375991400551,"channel":0,"num_words":17,"start":2018.225,"end":2022.5651},{"sentences":[{"text":"Yeah.","start":2022.84,"end":2023.08,"sentiment":"neutral","sentiment_score":0.2384430021047592}],"sentiment":"neutral","sentiment_score":0.2384430021047592,"channel":1,"num_words":1,"start":2022.84,"end":2023.08},{"sentences":[{"text":"Yeah.","start":2022.945,"end":2023.445,"sentiment":"neutral","sentiment_score":0.32666653394699097}],"sentiment":"neutral","sentiment_score":0.32666653394699097,"channel":0,"num_words":1,"start":2022.945,"end":2023.445},{"sentences":[{"text":"Beautiful.","start":2023.08,"end":2023.58,"sentiment":"positive","sentiment_score":0.6343658566474915},{"text":"Well,","start":2024.6799,"end":2024.84,"sentiment":"neutral","sentiment_score":0.2319248616695404}],"sentiment":"positive","sentiment_score":0.43314535915851593,"channel":1,"num_words":2,"start":2023.08,"end":2024.84},{"sentences":[{"text":"Yeah.","start":2024.78,"end":2025.28,"sentiment":"neutral","sentiment_score":0.27622026205062866}],"sentiment":"neutral","sentiment_score":0.27622026205062866,"channel":0,"num_words":1,"start":2024.78,"end":2025.28},{"sentences":[{"text":"we might look at doing that.","start":2024.84,"end":2025.88,"sentiment":"neutral","sentiment_score":0.2305851106842359},{"text":"So,","start":2025.88,"end":2026.0399,"sentiment":"neutral","sentiment_score":0.10075849294662476}],"sentiment":"neutral","sentiment_score":0.2120384510074343,"channel":1,"num_words":7,"start":2024.84,"end":2026.0399},{"sentences":[{"text":"Yeah.","start":2025.9,"end":2026.4,"sentiment":"neutral","sentiment_score":0.1283572018146515}],"sentiment":"neutral","sentiment_score":0.1283572018146515,"channel":0,"num_words":1,"start":2025.9,"end":2026.4},{"sentences":[{"text":"yeah, if you can send me through a word and let us know what I'm gonna do,","start":2026.0399,"end":2029.4199,"sentiment":"neutral","sentiment_score":0.10745480481316061}],"sentiment":"neutral","sentiment_score":0.10745480481316061,"channel":1,"num_words":17,"start":2026.0399,"end":2029.4199},{"sentences":[{"text":"Yes.","start":2029.98,"end":2030.38,"sentiment":"neutral","sentiment_score":0.16777388751506803}],"sentiment":"neutral","sentiment_score":0.16777388751506803,"channel":0,"num_words":1,"start":2029.98,"end":2030.38},{"sentences":[{"text":"because","start":2030.36,"end":2030.6799,"sentiment":"neutral","sentiment_score":0.16341543197631836}],"sentiment":"neutral","sentiment_score":0.16341543197631836,"channel":1,"num_words":1,"start":2030.36,"end":2030.6799},{"sentences":[{"text":"Perfect.","start":2030.38,"end":2030.88,"sentiment":"positive","sentiment_score":0.4171590209007263}],"sentiment":"positive","sentiment_score":0.4171590209007263,"channel":0,"num_words":1,"start":2030.38,"end":2030.88},{"sentences":[{"text":"I'll probably","start":2030.6799,"end":2031.1599,"sentiment":"neutral","sentiment_score":0.2224770039319992}],"sentiment":"neutral","sentiment_score":0.2224770039319992,"channel":1,"num_words":2,"start":2030.6799,"end":2031.1599},{"sentences":[{"text":"I'll shoot you to","start":2030.94,"end":2031.6599,"sentiment":"neutral","sentiment_score":0.1450130045413971}],"sentiment":"neutral","sentiment_score":0.1450130045413971,"channel":0,"num_words":4,"start":2030.94,"end":2031.6599},{"sentences":[{"text":"I'll","start":2031.64,"end":2032.14,"sentiment":"neutral","sentiment_score":0.150970458984375}],"sentiment":"neutral","sentiment_score":0.150970458984375,"channel":1,"num_words":1,"start":2031.64,"end":2032.14},{"sentences":[{"text":"an email.","start":2031.6599,"end":2032.4,"sentiment":"neutral","sentiment_score":0.1402149647474289}],"sentiment":"neutral","sentiment_score":0.1402149647474289,"channel":0,"num_words":2,"start":2031.6599,"end":2032.4},{"sentences":[{"text":"I'll I'll have to get on to that.","start":2032.28,"end":2034.0599,"sentiment":"neutral","sentiment_score":0.1171765848994255}],"sentiment":"neutral","sentiment_score":0.1171765848994255,"channel":1,"num_words":8,"start":2032.28,"end":2034.0599},{"sentences":[{"text":"Yes.","start":2034.7,"end":2035.02,"sentiment":"neutral","sentiment_score":0.22012923657894137},{"text":"Perfect.","start":2035.02,"end":2035.5,"sentiment":"positive","sentiment_score":0.4753556549549103},{"text":"Yeah.","start":2035.5,"end":2035.74,"sentiment":"neutral","sentiment_score":0.19362905621528623},{"text":"We'll need to get it done generally before the last week of June.","start":2035.74,"end":2039.485,"sentiment":"neutral","sentiment_score":0.125854088136783},{"text":"So I would be wanting to get these sort of done no later than, say, the June 20 to make sure","start":2039.485,"end":2044.6849,"sentiment":"neutral","sentiment_score":0.16895492978039242}],"sentiment":"neutral","sentiment_score":0.16414244915987994,"channel":0,"num_words":37,"start":2034.7,"end":2044.6849},{"sentences":[{"text":"Yep.","start":2044.615,"end":2045.115,"sentiment":"neutral","sentiment_score":0.14983870089054108}],"sentiment":"neutral","sentiment_score":0.14983870089054108,"channel":1,"num_words":1,"start":2044.615,"end":2045.115},{"sentences":[{"text":"they all go in because then","start":2044.6849,"end":2045.8049,"sentiment":"neutral","sentiment_score":0.07643662082652251}],"sentiment":"neutral","sentiment_score":0.07643662082652251,"channel":0,"num_words":6,"start":2044.6849,"end":2045.8049},{"sentences":[{"text":"Yep.","start":2045.735,"end":2046.235,"sentiment":"neutral","sentiment_score":0.07681300491094589}],"sentiment":"neutral","sentiment_score":0.07681300491094589,"channel":1,"num_words":1,"start":2045.735,"end":2046.235},{"sentences":[{"text":"the super fund has to process the contributions, and we claim the notice of intent.","start":2045.8049,"end":2050.765,"sentiment":"neutral","sentiment_score":0.07744170402487119},{"text":"We can do it straight after, but the notice intent doesn't have to be claimed till after the July 1.","start":2050.765,"end":2055.2202,"sentiment":"neutral","sentiment_score":0.06022908892482519},{"text":"It's just getting the contribution","start":2055.22,"end":2056.6,"sentiment":"neutral","sentiment_score":0.1427829459309578}],"sentiment":"neutral","sentiment_score":0.07700305171310902,"channel":0,"num_words":40,"start":2045.8049,"end":2056.6},{"sentences":[{"text":"Yep.","start":2056.47,"end":2056.97,"sentiment":"neutral","sentiment_score":0.14997504651546478}],"sentiment":"neutral","sentiment_score":0.14997504651546478,"channel":1,"num_words":1,"start":2056.47,"end":2056.97},{"sentences":[{"text":"in on time.","start":2056.6602,"end":2057.56,"sentiment":"neutral","sentiment_score":0.17910288770993552}],"sentiment":"neutral","sentiment_score":0.17910288770993552,"channel":0,"num_words":3,"start":2056.6602,"end":2057.56},{"sentences":[{"text":"Yeah.","start":2057.67,"end":2057.91,"sentiment":"neutral","sentiment_score":0.1488741934299469},{"text":"Right","start":2057.91,"end":2058.15,"sentiment":"neutral","sentiment_score":0.1241815909743309}],"sentiment":"neutral","sentiment_score":0.1365278922021389,"channel":1,"num_words":2,"start":2057.67,"end":2058.15},{"sentences":[{"text":"So","start":2058.1,"end":2058.6,"sentiment":"neutral","sentiment_score":0.1171017289161682}],"sentiment":"neutral","sentiment_score":0.1171017289161682,"channel":0,"num_words":1,"start":2058.1,"end":2058.6},{"sentences":[{"text":"now.","start":2058.15,"end":2058.65,"sentiment":"neutral","sentiment_score":0.11397389322519302}],"sentiment":"neutral","sentiment_score":0.11397389322519302,"channel":1,"num_words":1,"start":2058.15,"end":2058.65},{"sentences":[{"text":"yeah.","start":2059.22,"end":2059.62,"sentiment":"neutral","sentiment_score":0.13479700684547424},{"text":"So if you like, I'll send the email straight after this, give you the direction on how to get that information from your MyGov account.","start":2059.62,"end":2065.06,"sentiment":"neutral","sentiment_score":0.09857960641384125},{"text":"If you can","start":2065.06,"end":2065.54,"sentiment":"neutral","sentiment_score":0.12205508848031361}],"sentiment":"neutral","sentiment_score":0.1022569804356016,"channel":0,"num_words":29,"start":2059.22,"end":2065.54},{"sentences":[{"text":"Yep.","start":2065.425,"end":2065.925,"sentiment":"neutral","sentiment_score":0.11257844418287276}],"sentiment":"neutral","sentiment_score":0.11257844418287276,"channel":1,"num_words":1,"start":2065.425,"end":2065.925},{"sentences":[{"text":"shoot that back to me, I can do some numbers and some playing there for you, and then you can let me know.","start":2065.54,"end":2071.2048,"sentiment":"neutral","sentiment_score":0.13307560850744662},{"text":"We can do it without advice to make it quicker where you just transfer the money in and tell me once you've done it,","start":2071.265,"end":2076.885,"sentiment":"neutral","sentiment_score":0.13423378051569065}],"sentiment":"neutral","sentiment_score":0.13366701549037974,"channel":0,"num_words":47,"start":2065.54,"end":2076.885},{"sentences":[{"text":"Yep.","start":2077.15,"end":2077.65,"sentiment":"neutral","sentiment_score":0.13530771434307098}],"sentiment":"neutral","sentiment_score":0.13530771434307098,"channel":1,"num_words":1,"start":2077.15,"end":2077.65},{"sentences":[{"text":"and I'll just give you some general information around, you know, what that might look like.","start":2077.4248,"end":2081.105,"sentiment":"neutral","sentiment_score":0.11303438665345311},{"text":"The tax deduction I mean, you might have other deductions that might help reduce some you know, that you might also be able to provide there, but I can give you some general information on what that looks like.","start":2081.105,"end":2090.44,"sentiment":"neutral","sentiment_score":0.11125980862058125},{"text":"We can get that money in, and then you've got something done before the end of the financial year to help you out a little bit.","start":2090.44,"end":2096.46,"sentiment":"neutral","sentiment_score":0.2040490061044693}],"sentiment":"neutral","sentiment_score":0.1413945293996805,"channel":0,"num_words":81,"start":2077.4248,"end":2096.46},{"sentences":[{"text":"Yeah.","start":2096.395,"end":2096.635,"sentiment":"neutral","sentiment_score":0.21094933152198792},{"text":"Nice.","start":2096.635,"end":2097.135,"sentiment":"positive","sentiment_score":0.5940770506858826},{"text":"That sounds","start":2097.755,"end":2098.475,"sentiment":"positive","sentiment_score":0.483614981174469}],"sentiment":"positive","sentiment_score":0.4430640861392021,"channel":1,"num_words":4,"start":2096.395,"end":2098.475},{"sentences":[{"text":"Yeah.","start":2098.105,"end":2098.5051,"sentiment":"positive","sentiment_score":0.582841694355011}],"sentiment":"positive","sentiment_score":0.582841694355011,"channel":0,"num_words":1,"start":2098.105,"end":2098.5051},{"sentences":[{"text":"good.","start":2098.475,"end":2098.975,"sentiment":"positive","sentiment_score":0.7497628331184387}],"sentiment":"positive","sentiment_score":0.7497628331184387,"channel":1,"num_words":1,"start":2098.475,"end":2098.975},{"sentences":[{"text":"Perfect.","start":2098.5051,"end":2099.0051,"sentiment":"positive","sentiment_score":0.7994883060455322},{"text":"Excellent.","start":2099.865,"end":2100.365,"sentiment":"positive","sentiment_score":0.7953158617019653}],"sentiment":"positive","sentiment_score":0.7974020838737488,"channel":0,"num_words":2,"start":2098.5051,"end":2100.365},{"sentences":[{"text":"Perfect.","start":2100.075,"end":2100.575,"sentiment":"positive","sentiment_score":0.7855373620986938}],"sentiment":"positive","sentiment_score":0.7855373620986938,"channel":1,"num_words":1,"start":2100.075,"end":2100.575},{"sentences":[{"text":"Excellent.","start":2100.665,"end":2101.165,"sentiment":"positive","sentiment_score":0.7592813968658447},{"text":"Perfect.","start":2102.0251,"end":2102.425,"sentiment":"positive","sentiment_score":0.6657785177230835},{"text":"Do you have any other questions or anything else you wanted me to touch base on?","start":2102.425,"end":2105.945,"sentiment":"neutral","sentiment_score":0.15997546026483178},{"text":"Or","start":2105.945,"end":2106.2651,"sentiment":"neutral","sentiment_score":0.002168763428926468}],"sentiment":"neutral","sentiment_score":0.20983347590816648,"channel":0,"num_words":19,"start":2100.665,"end":2106.2651},{"sentences":[{"text":"No.","start":2107.51,"end":2107.75,"sentiment":"neutral","sentiment_score":-0.07782392203807831},{"text":"Probably not at this stage.","start":2107.75,"end":2109.03,"sentiment":"neutral","sentiment_score":-0.11959177702665329},{"text":"But, yeah, I just want I yeah.","start":2109.03,"end":2110.31,"sentiment":"neutral","sentiment_score":0.023485359070556506}],"sentiment":"neutral","sentiment_score":-0.03933733028288071,"channel":1,"num_words":13,"start":2107.51,"end":2110.31},{"sentences":[{"text":"No.","start":2110.105,"end":2110.605,"sentiment":"neutral","sentiment_score":-0.05236139148473739}],"sentiment":"neutral","sentiment_score":-0.05236139148473739,"channel":0,"num_words":1,"start":2110.105,"end":2110.605},{"sentences":[{"text":"I just want I just want to talk about, yeah, contributions moving forward.","start":2110.31,"end":2114.33,"sentiment":"neutral","sentiment_score":0.05567466238370308}],"sentiment":"neutral","sentiment_score":0.05567466238370308,"channel":1,"num_words":13,"start":2110.31,"end":2114.33},{"sentences":[{"text":"Yep.","start":2114.4602,"end":2114.9602,"sentiment":"neutral","sentiment_score":0.10916322469711304}],"sentiment":"neutral","sentiment_score":0.10916322469711304,"channel":0,"num_words":1,"start":2114.4602,"end":2114.9602},{"sentences":[{"text":"Do","start":2114.9949,"end":2115.4949,"sentiment":"neutral","sentiment_score":0.15826112031936646}],"sentiment":"neutral","sentiment_score":0.15826112031936646,"channel":1,"num_words":1,"start":2114.9949,"end":2115.4949},{"sentences":[{"text":"Beautiful.","start":2115.1802,"end":2115.6802,"sentiment":"positive","sentiment_score":0.34551018476486206}],"sentiment":"positive","sentiment_score":0.34551018476486206,"channel":0,"num_words":1,"start":2115.1802,"end":2115.6802},{"sentences":[{"text":"will or do they increase per year?","start":2116.355,"end":2120.855,"sentiment":"neutral","sentiment_score":0.039220888699804037},{"text":"Do they follow inflation and such or anything?","start":2120.915,"end":2124.615,"sentiment":"neutral","sentiment_score":0.020629095612093806}],"sentiment":"neutral","sentiment_score":0.02930526571969191,"channel":1,"num_words":15,"start":2116.355,"end":2124.615},{"sentences":[{"text":"Yeah.","start":2125.7651,"end":2126.165,"sentiment":"neutral","sentiment_score":-0.0005629817023873329},{"text":"Not every year.","start":2126.165,"end":2127.385,"sentiment":"neutral","sentiment_score":-0.019306163303554058},{"text":"As","start":2127.445,"end":2127.7651,"sentiment":"neutral","sentiment_score":-0.00008264556527137756}],"sentiment":"neutral","sentiment_score":-0.011712823435664177,"channel":0,"num_words":5,"start":2125.7651,"end":2127.7651},{"sentences":[{"text":"Yep.","start":2127.4749,"end":2127.9749,"sentiment":"neutral","sentiment_score":0.018412500619888306}],"sentiment":"neutral","sentiment_score":0.018412500619888306,"channel":1,"num_words":1,"start":2127.4749,"end":2127.9749},{"sentences":[{"text":"of next year, the contributions cap will be increasing by 2,500, so it goes","start":2127.7651,"end":2132.5652,"sentiment":"neutral","sentiment_score":0.05088199967784541}],"sentiment":"neutral","sentiment_score":0.05088199967784541,"channel":0,"num_words":14,"start":2127.7651,"end":2132.5652},{"sentences":[{"text":"Yep.","start":2132.44,"end":2132.94,"sentiment":"neutral","sentiment_score":0.038133230060338974}],"sentiment":"neutral","sentiment_score":0.038133230060338974,"channel":1,"num_words":1,"start":2132.44,"end":2132.94},{"sentences":[{"text":"from 30,000 to 32,500.","start":2132.5652,"end":2135.225,"sentiment":"neutral","sentiment_score":0.04095081798732281},{"text":"It tends to do that sort of every two to three years depending on sort of how","start":2135.72,"end":2140.2,"sentiment":"neutral","sentiment_score":0.03924925362362581}],"sentiment":"neutral","sentiment_score":0.03957336112147286,"channel":0,"num_words":21,"start":2132.5652,"end":2140.2},{"sentences":[{"text":"Yep.","start":2140.2,"end":2140.7,"sentiment":"neutral","sentiment_score":0.05351360142230987}],"sentiment":"neutral","sentiment_score":0.05351360142230987,"channel":1,"num_words":1,"start":2140.2,"end":2140.7},{"sentences":[{"text":"everything goes.","start":2140.2,"end":2141.0798,"sentiment":"neutral","sentiment_score":0.07106006518006325},{"text":"So","start":2141.0798,"end":2141.5798,"sentiment":"neutral","sentiment_score":0.06549515575170517}],"sentiment":"neutral","sentiment_score":0.06920509537061055,"channel":0,"num_words":3,"start":2140.2,"end":2141.5798},{"sentences":[{"text":"Yep.","start":2141.48,"end":2141.98,"sentiment":"neutral","sentiment_score":0.06002845615148544}],"sentiment":"neutral","sentiment_score":0.06002845615148544,"channel":1,"num_words":1,"start":2141.48,"end":2141.98},{"sentences":[{"text":"it should be every second year that they increase it in 2,500 increments","start":2142.0398,"end":2146.7,"sentiment":"neutral","sentiment_score":0.06847214756103662}],"sentiment":"neutral","sentiment_score":0.06847214756103662,"channel":0,"num_words":13,"start":2142.0398,"end":2146.7},{"sentences":[{"text":"Yep.","start":2147.125,"end":2147.625,"sentiment":"neutral","sentiment_score":0.019872281700372696}],"sentiment":"neutral","sentiment_score":0.019872281700372696,"channel":1,"num_words":1,"start":2147.125,"end":2147.625},{"sentences":[{"text":"unless they change that legislation at all.","start":2147.4,"end":2149.635,"sentiment":"neutral","sentiment_score":-0.02541280404797622},{"text":"But they're also increasing the non concessional cut, which is great to a 130,000.","start":2149.635,"end":2154.2751,"sentiment":"neutral","sentiment_score":0.09539081821484226},{"text":"So,","start":2154.2751,"end":2154.7751,"sentiment":"neutral","sentiment_score":0.03944965824484825}],"sentiment":"neutral","sentiment_score":0.05441052204167301,"channel":0,"num_words":22,"start":2147.4,"end":2154.7751},{"sentences":[{"text":"Yeah.","start":2154.885,"end":2155.285,"sentiment":"neutral","sentiment_score":0.04611595720052719},{"text":"Right.","start":2155.285,"end":2155.785,"sentiment":"neutral","sentiment_score":0.03760325163602829}],"sentiment":"neutral","sentiment_score":0.04185960441827774,"channel":1,"num_words":2,"start":2154.885,"end":2155.785},{"sentences":[{"text":"yeah, we've","start":2155.7952,"end":2156.7551,"sentiment":"neutral","sentiment_score":0.029583103954792023}],"sentiment":"neutral","sentiment_score":0.029583103954792023,"channel":0,"num_words":2,"start":2155.7952,"end":2156.7551},{"sentences":[{"text":"Yeah.","start":2156.565,"end":2156.885,"sentiment":"neutral","sentiment_score":0.021490994840860367}],"sentiment":"neutral","sentiment_score":0.021490994840860367,"channel":1,"num_words":1,"start":2156.565,"end":2156.885},{"sentences":[{"text":"got","start":2156.7551,"end":2156.995,"sentiment":"neutral","sentiment_score":0.02909393608570099}],"sentiment":"neutral","sentiment_score":0.02909393608570099,"channel":0,"num_words":1,"start":2156.7551,"end":2156.995},{"sentences":[{"text":"Alright.","start":2156.885,"end":2157.385,"sentiment":"neutral","sentiment_score":0.03177088499069214}],"sentiment":"neutral","sentiment_score":0.03177088499069214,"channel":1,"num_words":1,"start":2156.885,"end":2157.385},{"sentences":[{"text":"extra space in other ways if we need to.","start":2156.995,"end":2159.415,"sentiment":"neutral","sentiment_score":0.03201779474814733},{"text":"Okay.","start":2159.5552,"end":2160.0552,"sentiment":"neutral","sentiment_score":0.05315988510847092}],"sentiment":"neutral","sentiment_score":0.03413200378417969,"channel":0,"num_words":10,"start":2156.995,"end":2160.0552},{"sentences":[{"text":"Yeah.","start":2159.64,"end":2160.14,"sentiment":"neutral","sentiment_score":0.07101847231388092},{"text":"So we should be looking at maxing it out this year.","start":2160.3599,"end":2163.66,"sentiment":"neutral","sentiment_score":0.1312715472145514}],"sentiment":"neutral","sentiment_score":0.12625045763949552,"channel":1,"num_words":12,"start":2159.64,"end":2163.66},{"sentences":[{"text":"Mhmm.","start":2164.73,"end":2165.23,"sentiment":"neutral","sentiment_score":0.041479744017124176}],"sentiment":"neutral","sentiment_score":0.041479744017124176,"channel":0,"num_words":1,"start":2164.73,"end":2165.23},{"sentences":[{"text":"As I well well, like and putting that extra in.","start":2165.4,"end":2168.6,"sentiment":"neutral","sentiment_score":0.1518546748906374},{"text":"And then next year, probably need to look at salary sacrificing more straight out of","start":2168.6,"end":2174.645,"sentiment":"neutral","sentiment_score":-0.0633554914345344}],"sentiment":"neutral","sentiment_score":0.022728575095534324,"channel":1,"num_words":25,"start":2165.4,"end":2174.645},{"sentences":[{"text":"We","start":2174.7651,"end":2175.2651,"sentiment":"neutral","sentiment_score":-0.02179502695798874}],"sentiment":"neutral","sentiment_score":-0.02179502695798874,"channel":0,"num_words":1,"start":2174.7651,"end":2175.2651},{"sentences":[{"text":"my","start":2175.2651,"end":2175.7651,"sentiment":"neutral","sentiment_score":-0.024123184382915497}],"sentiment":"neutral","sentiment_score":-0.024123184382915497,"channel":1,"num_words":1,"start":2175.2651,"end":2175.7651},{"sentences":[{"text":"we can.","start":2175.645,"end":2176.365,"sentiment":"neutral","sentiment_score":-0.018561603501439095},{"text":"It just depends on with your increase in income.","start":2176.365,"end":2179.0251,"sentiment":"neutral","sentiment_score":0.0017771472533543904},{"text":"Just yeah.","start":2179.085,"end":2180.365,"sentiment":"neutral","sentiment_score":0.022041622549295425},{"text":"Have you look at how much you've got going because this year, it looks like you","start":2180.365,"end":2185.085,"sentiment":"neutral","sentiment_score":0.04406075342558324}],"sentiment":"neutral","sentiment_score":0.025100910971904623,"channel":0,"num_words":29,"start":2175.645,"end":2185.085},{"sentences":[{"text":"yeah.","start":2184.865,"end":2185.365,"sentiment":"neutral","sentiment_score":0.0018148906528949735}],"sentiment":"neutral","sentiment_score":0.0018148906528949735,"channel":1,"num_words":1,"start":2184.865,"end":2185.365},{"sentences":[{"text":"might just exceed","start":2185.085,"end":2186.125,"sentiment":"neutral","sentiment_score":-0.016601019228498142}],"sentiment":"neutral","sentiment_score":-0.016601019228498142,"channel":0,"num_words":3,"start":2185.085,"end":2186.125},{"sentences":[{"text":"They","start":2185.905,"end":2186.405,"sentiment":"neutral","sentiment_score":-0.0296942126005888}],"sentiment":"neutral","sentiment_score":-0.0296942126005888,"channel":1,"num_words":1,"start":2185.905,"end":2186.405},{"sentences":[{"text":"the cap a little bit with what you've","start":2186.125,"end":2187.725,"sentiment":"neutral","sentiment_score":-0.05301844235509634}],"sentiment":"neutral","sentiment_score":-0.05301844235509634,"channel":0,"num_words":8,"start":2186.125,"end":2187.725},{"sentences":[{"text":"yeah.","start":2187.665,"end":2188.05,"sentiment":"neutral","sentiment_score":-0.036572765558958054}],"sentiment":"neutral","sentiment_score":-0.036572765558958054,"channel":1,"num_words":1,"start":2187.665,"end":2188.05},{"sentences":[{"text":"got.","start":2187.725,"end":2188.225,"sentiment":"neutral","sentiment_score":-0.00433896342292428},{"text":"Yeah.","start":2188.2852,"end":2188.7852,"sentiment":"neutral","sentiment_score":0.0005859527736902237}],"sentiment":"neutral","sentiment_score":-0.0018765053246170282,"channel":0,"num_words":2,"start":2187.725,"end":2188.7852},{"sentences":[{"text":"Yeah.","start":2188.29,"end":2188.79,"sentiment":"neutral","sentiment_score":0.00019622500985860825},{"text":"They they owed me plenty this year, but","start":2189.4102,"end":2191.1702,"sentiment":"neutral","sentiment_score":-0.05821763211861253}],"sentiment":"neutral","sentiment_score":-0.0517272035487824,"channel":1,"num_words":9,"start":2188.29,"end":2191.1702},{"sentences":[{"text":"That's probably where that extra comes from.","start":2192.5999,"end":2194.92,"sentiment":"neutral","sentiment_score":-0.03684911983353751}],"sentiment":"neutral","sentiment_score":-0.03684911983353751,"channel":0,"num_words":7,"start":2192.5999,"end":2194.92},{"sentences":[{"text":"yeah.","start":2194.77,"end":2195.1702,"sentiment":"neutral","sentiment_score":0.0077291205525398254}],"sentiment":"neutral","sentiment_score":0.0077291205525398254,"channel":1,"num_words":1,"start":2194.77,"end":2195.1702},{"sentences":[{"text":"Yeah.","start":2194.92,"end":2195.42,"sentiment":"neutral","sentiment_score":0.01021341234445572}],"sentiment":"neutral","sentiment_score":0.01021341234445572,"channel":0,"num_words":1,"start":2194.92,"end":2195.42},{"sentences":[{"text":"Because I think you'll see","start":2195.1702,"end":2196.37,"sentiment":"neutral","sentiment_score":0.027190940082073213}],"sentiment":"neutral","sentiment_score":0.027190940082073213,"channel":1,"num_words":5,"start":2195.1702,"end":2196.37},{"sentences":[{"text":"Yep.","start":2196.1199,"end":2196.6199,"sentiment":"neutral","sentiment_score":0.026105685159564015}],"sentiment":"neutral","sentiment_score":0.026105685159564015,"channel":0,"num_words":1,"start":2196.1199,"end":2196.6199},{"sentences":[{"text":"one yeah.","start":2196.37,"end":2199.09,"sentiment":"neutral","sentiment_score":0.01901396457105875},{"text":"There's one yeah.","start":2199.09,"end":2199.81,"sentiment":"neutral","sentiment_score":0.003523453759650389},{"text":"There's a couple of pay cycles there where I was paid probably more than what I'm usually paid.","start":2199.81,"end":2203.515,"sentiment":"neutral","sentiment_score":-0.04514651983562443}],"sentiment":"neutral","sentiment_score":-0.033219089853050915,"channel":1,"num_words":23,"start":2196.37,"end":2203.515},{"sentences":[{"text":"Yeah.","start":2204.865,"end":2205.185,"sentiment":"neutral","sentiment_score":-0.009619348682463167},{"text":"There was.","start":2205.185,"end":2205.905,"sentiment":"neutral","sentiment_score":-0.013268210925161839},{"text":"Yeah.","start":2205.905,"end":2206.405,"sentiment":"neutral","sentiment_score":0.000953114591538906}],"sentiment":"neutral","sentiment_score":-0.008800663985311985,"channel":0,"num_words":4,"start":2204.865,"end":2206.405},{"sentences":[{"text":"Yeah.","start":2206.1548,"end":2206.6548,"sentiment":"neutral","sentiment_score":0.01109047420322895},{"text":"Yep.","start":2206.795,"end":2207.295,"sentiment":"neutral","sentiment_score":0.01628797873854637},{"text":"So","start":2207.595,"end":2207.875,"sentiment":"neutral","sentiment_score":-0.013123800978064535}],"sentiment":"neutral","sentiment_score":0.004751550654570262,"channel":1,"num_words":3,"start":2206.1548,"end":2207.875},{"sentences":[{"text":"They","start":2208.145,"end":2208.465,"sentiment":"neutral","sentiment_score":-0.06260114908218384}],"sentiment":"neutral","sentiment_score":-0.06260114908218384,"channel":0,"num_words":1,"start":2208.145,"end":2208.465},{"sentences":[{"text":"and","start":2208.1548,"end":2208.4749,"sentiment":"neutral","sentiment_score":-0.07908491790294647}],"sentiment":"neutral","sentiment_score":-0.07908491790294647,"channel":1,"num_words":1,"start":2208.1548,"end":2208.4749},{"sentences":[{"text":"owed","start":2208.465,"end":2208.705,"sentiment":"neutral","sentiment_score":-0.0981220155954361}],"sentiment":"neutral","sentiment_score":-0.0981220155954361,"channel":0,"num_words":1,"start":2208.465,"end":2208.705},{"sentences":[{"text":"I think","start":2208.4749,"end":2209.135,"sentiment":"neutral","sentiment_score":-0.09968150034546852}],"sentiment":"neutral","sentiment_score":-0.09968150034546852,"channel":1,"num_words":2,"start":2208.4749,"end":2209.135},{"sentences":[{"text":"you a bit of back pay.","start":2208.705,"end":2209.845,"sentiment":"neutral","sentiment_score":-0.1216847946246465}],"sentiment":"neutral","sentiment_score":-0.1216847946246465,"channel":0,"num_words":6,"start":2208.705,"end":2209.845},{"sentences":[{"text":"yeah.","start":2209.9949,"end":2210.3948,"sentiment":"neutral","sentiment_score":-0.13089153170585632},{"text":"They owe me a bit of money.","start":2210.3948,"end":2211.6948,"sentiment":"neutral","sentiment_score":-0.19668932259082794}],"sentiment":"neutral","sentiment_score":-0.1884645987302065,"channel":1,"num_words":8,"start":2209.9949,"end":2211.6948},{"sentences":[{"text":"Yeah.","start":2212.5452,"end":2212.705,"sentiment":"neutral","sentiment_score":-0.04925695061683655}],"sentiment":"neutral","sentiment_score":-0.04925695061683655,"channel":0,"num_words":1,"start":2212.5452,"end":2212.705},{"sentences":[{"text":"Anyway","start":2212.555,"end":2212.875,"sentiment":"neutral","sentiment_score":-0.042571958154439926}],"sentiment":"neutral","sentiment_score":-0.042571958154439926,"channel":1,"num_words":1,"start":2212.555,"end":2212.875},{"sentences":[{"text":"There was a nice big $10,000 one that went in there.","start":2212.705,"end":2215.685,"sentiment":"neutral","sentiment_score":0.053979711437767204}],"sentiment":"neutral","sentiment_score":0.053979711437767204,"channel":0,"num_words":11,"start":2212.705,"end":2215.685},{"sentences":[{"text":"Yep.","start":2215.93,"end":2216.41,"sentiment":"neutral","sentiment_score":0.09434236586093904},{"text":"Yep.","start":2216.41,"end":2216.73,"sentiment":"neutral","sentiment_score":0.09117992967367172},{"text":"Yep.","start":2216.73,"end":2217.23,"sentiment":"neutral","sentiment_score":0.10197889804840088}],"sentiment":"neutral","sentiment_score":0.0958337311943372,"channel":1,"num_words":3,"start":2215.93,"end":2217.23},{"sentences":[{"text":"Yeah.","start":2217.42,"end":2217.92,"sentiment":"neutral","sentiment_score":0.1553091257810593}],"sentiment":"neutral","sentiment_score":0.1553091257810593,"channel":0,"num_words":1,"start":2217.42,"end":2217.92},{"sentences":[{"text":"Yep.","start":2218.09,"end":2218.59,"sentiment":"neutral","sentiment_score":0.2431166172027588}],"sentiment":"neutral","sentiment_score":0.2431166172027588,"channel":1,"num_words":1,"start":2218.09,"end":2218.59},{"sentences":[{"text":"Perfect.","start":2218.14,"end":2218.64,"sentiment":"positive","sentiment_score":0.5192997455596924},{"text":"I mean,","start":2219.02,"end":2219.42,"sentiment":"positive","sentiment_score":0.3483424633741379}],"sentiment":"positive","sentiment_score":0.40532822410265607,"channel":0,"num_words":3,"start":2218.14,"end":2219.42},{"sentences":[{"text":"Yep.","start":2219.21,"end":2219.37,"sentiment":"neutral","sentiment_score":0.31727367639541626},{"text":"Bye.","start":2219.37,"end":2219.87,"sentiment":"neutral","sentiment_score":0.25883805751800537}],"sentiment":"neutral","sentiment_score":0.2880558669567108,"channel":1,"num_words":2,"start":2219.21,"end":2219.87},{"sentences":[{"text":"we can do it this way each year if you want because, I mean, family sacrifice is good.","start":2219.42,"end":2223.3599,"sentiment":"neutral","sentiment_score":0.32038360337416333},{"text":"There are limitations to it.","start":2223.66,"end":2225.5,"sentiment":"neutral","sentiment_score":-0.13850284069776536},{"text":"When you think of","start":2225.5,"end":2226.22,"sentiment":"neutral","sentiment_score":-0.04642135463654995}],"sentiment":"neutral","sentiment_score":0.18106315698888567,"channel":0,"num_words":27,"start":2219.42,"end":2226.22},{"sentences":[{"text":"Yep.","start":2226.17,"end":2226.67,"sentiment":"neutral","sentiment_score":0.0017808452248573303}],"sentiment":"neutral","sentiment_score":0.0017808452248573303,"channel":1,"num_words":1,"start":2226.17,"end":2226.67},{"sentences":[{"text":"it from a tax point of view, making more of a deductible contribution works more in your favor.","start":2226.22,"end":2232.3198,"sentiment":"neutral","sentiment_score":0.06381284010907014}],"sentiment":"neutral","sentiment_score":0.06381284010907014,"channel":0,"num_words":18,"start":2226.22,"end":2232.3198},{"sentences":[{"text":"Mhmm.","start":2232.855,"end":2233.355,"sentiment":"neutral","sentiment_score":0.0020930850878357887}],"sentiment":"neutral","sentiment_score":0.0020930850878357887,"channel":1,"num_words":1,"start":2232.855,"end":2233.355},{"sentences":[{"text":"Even if we can't sort of even if we can't use CACAA contributions moving forward, we can look at what goes in from your employer each year and then around June, work out what you can put in as a lump sum to kind of boost it up to the cap.","start":2233.035,"end":2249.69,"sentiment":"neutral","sentiment_score":-0.007622756648297403}],"sentiment":"neutral","sentiment_score":-0.007622756648297403,"channel":0,"num_words":51,"start":2233.035,"end":2249.69},{"sentences":[{"text":"Yep.","start":2249.99,"end":2250.49,"sentiment":"neutral","sentiment_score":0.1215299665927887}],"sentiment":"neutral","sentiment_score":0.1215299665927887,"channel":1,"num_words":1,"start":2249.99,"end":2250.49},{"sentences":[{"text":"And we can do it that way because, I mean, salary sacrifice comes out of your income.","start":2250.15,"end":2254.81,"sentiment":"neutral","sentiment_score":0.15517411600140965}],"sentiment":"neutral","sentiment_score":0.15517411600140965,"channel":0,"num_words":17,"start":2250.15,"end":2254.81},{"sentences":[{"text":"Yep.","start":2255.0452,"end":2255.5452,"sentiment":"neutral","sentiment_score":0.09849145263433456}],"sentiment":"neutral","sentiment_score":0.09849145263433456,"channel":1,"num_words":1,"start":2255.0452,"end":2255.5452},{"sentences":[{"text":"It doesn't provide as big of a deduction, whereas if you were to make, like, a big $10,000 deductible contribution, that","start":2255.19,"end":2261.615,"sentiment":"neutral","sentiment_score":0.02247454181668304}],"sentiment":"neutral","sentiment_score":0.02247454181668304,"channel":0,"num_words":21,"start":2255.19,"end":2261.615},{"sentences":[{"text":"Mhmm.","start":2261.445,"end":2261.945,"sentiment":"neutral","sentiment_score":0.02224989607930183}],"sentiment":"neutral","sentiment_score":0.02224989607930183,"channel":1,"num_words":1,"start":2261.445,"end":2261.945},{"sentences":[{"text":"$10,000 you can take and claim back on your tax return.","start":2261.615,"end":2264.895,"sentiment":"neutral","sentiment_score":0.03607744012366642},{"text":"So from a","start":2264.895,"end":2265.775,"sentiment":"neutral","sentiment_score":0.037677135318517685}],"sentiment":"neutral","sentiment_score":0.036420231951134543,"channel":0,"num_words":14,"start":2261.615,"end":2265.775},{"sentences":[{"text":"Yeah.","start":2265.6052,"end":2265.7651,"sentiment":"neutral","sentiment_score":0.0789642482995987},{"text":"Right","start":2265.7651,"end":2266.0051,"sentiment":"neutral","sentiment_score":0.10698607563972472}],"sentiment":"neutral","sentiment_score":0.09297516196966171,"channel":1,"num_words":2,"start":2265.6052,"end":2266.0051},{"sentences":[{"text":"tax","start":2265.775,"end":2266.015,"sentiment":"neutral","sentiment_score":0.1387994885444641}],"sentiment":"neutral","sentiment_score":0.1387994885444641,"channel":0,"num_words":1,"start":2265.775,"end":2266.015},{"sentences":[{"text":"now.","start":2266.0051,"end":2266.5051,"sentiment":"neutral","sentiment_score":0.11560216546058656}],"sentiment":"neutral","sentiment_score":0.11560216546058656,"channel":1,"num_words":1,"start":2266.0051,"end":2266.5051},{"sentences":[{"text":"point of view, the deductible contribution works out more in our favor.","start":2266.015,"end":2269.395,"sentiment":"neutral","sentiment_score":0.18258008236686388}],"sentiment":"neutral","sentiment_score":0.18258008236686388,"channel":0,"num_words":12,"start":2266.015,"end":2269.395},{"sentences":[{"text":"Yeah.","start":2269.685,"end":2270.0051,"sentiment":"neutral","sentiment_score":0.09465928375720978},{"text":"Right now.","start":2270.0051,"end":2270.46,"sentiment":"neutral","sentiment_score":0.0822160467505455},{"text":"Yep.","start":2270.7,"end":2271.2,"sentiment":"neutral","sentiment_score":0.14776551723480225}],"sentiment":"neutral","sentiment_score":0.10171422362327576,"channel":1,"num_words":4,"start":2269.685,"end":2271.2},{"sentences":[{"text":"Yeah.","start":2271.535,"end":2272.035,"sentiment":"neutral","sentiment_score":0.21180292963981628}],"sentiment":"neutral","sentiment_score":0.21180292963981628,"channel":0,"num_words":1,"start":2271.535,"end":2272.035},{"sentences":[{"text":"Too","start":2272.22,"end":2272.46,"sentiment":"positive","sentiment_score":0.4738704562187195}],"sentiment":"positive","sentiment_score":0.4738704562187195,"channel":1,"num_words":1,"start":2272.22,"end":2272.46},{"sentences":[{"text":"Beautiful.","start":2272.415,"end":2272.915,"sentiment":"positive","sentiment_score":0.5467219352722168}],"sentiment":"positive","sentiment_score":0.5467219352722168,"channel":0,"num_words":1,"start":2272.415,"end":2272.915},{"sentences":[{"text":"easy.","start":2272.46,"end":2272.96,"sentiment":"positive","sentiment_score":0.48198771476745605}],"sentiment":"positive","sentiment_score":0.48198771476745605,"channel":1,"num_words":1,"start":2272.46,"end":2272.96},{"sentences":[{"text":"Easy.","start":2273.81,"end":2273.97,"sentiment":"neutral","sentiment_score":0.2937191426753998},{"text":"Do you want","start":2273.97,"end":2274.3699,"sentiment":"neutral","sentiment_score":0.011596686517198881}],"sentiment":"neutral","sentiment_score":0.0821273005567491,"channel":0,"num_words":4,"start":2273.81,"end":2274.3699},{"sentences":[{"text":"No.","start":2274.22,"end":2274.72,"sentiment":"neutral","sentiment_score":-0.0070901960134506226}],"sentiment":"neutral","sentiment_score":-0.0070901960134506226,"channel":1,"num_words":1,"start":2274.22,"end":2274.72},{"sentences":[{"text":"me to, in the email, put a little bit of information on what a deductible contribution is to kinda give you a bit of a breakdown?","start":2274.3699,"end":2279.97,"sentiment":"neutral","sentiment_score":0.03015932851793388},{"text":"I know we've talked about a lot of things, so just to","start":2279.97,"end":2281.97,"sentiment":"neutral","sentiment_score":0.0625308391948541}],"sentiment":"neutral","sentiment_score":0.04038191083696132,"channel":0,"num_words":38,"start":2274.3699,"end":2281.97},{"sentences":[{"text":"Yep.","start":2281.82,"end":2282.32,"sentiment":"neutral","sentiment_score":0.05330977961421013}],"sentiment":"neutral","sentiment_score":0.05330977961421013,"channel":1,"num_words":1,"start":2281.82,"end":2282.32},{"sentences":[{"text":"kind of add a bit more detail there for you.","start":2281.97,"end":2284.13,"sentiment":"neutral","sentiment_score":0.10220361091196536}],"sentiment":"neutral","sentiment_score":0.10220361091196536,"channel":0,"num_words":10,"start":2281.97,"end":2284.13},{"sentences":[{"text":"Yep.","start":2283.66,"end":2284.14,"sentiment":"neutral","sentiment_score":0.13679589331150055}],"sentiment":"neutral","sentiment_score":0.13679589331150055,"channel":1,"num_words":1,"start":2283.66,"end":2284.14},{"sentences":[{"text":"Yeah.","start":2284.13,"end":2284.63,"sentiment":"neutral","sentiment_score":0.33029550313949585}],"sentiment":"neutral","sentiment_score":0.33029550313949585,"channel":0,"num_words":1,"start":2284.13,"end":2284.63},{"sentences":[{"text":"That'll be sensational, please.","start":2284.14,"end":2285.92,"sentiment":"positive","sentiment_score":0.6724423170089722}],"sentiment":"positive","sentiment_score":0.6724423170089722,"channel":1,"num_words":4,"start":2284.14,"end":2285.92},{"sentences":[{"text":"Fantastic.","start":2286.7751,"end":2287.2751,"sentiment":"positive","sentiment_score":0.8243647217750549},{"text":"Not an issue at all.","start":2287.575,"end":2288.535,"sentiment":"positive","sentiment_score":0.5656136393547058},{"text":"I'll get those out to you shortly.","start":2288.535,"end":2289.975,"sentiment":"positive","sentiment_score":0.5391284057072231},{"text":"If there's any additional questions or anything else for me, please don't ever hesitate and let me know,","start":2289.975,"end":2294.315,"sentiment":"neutral","sentiment_score":0.2105799631939994}],"sentiment":"positive","sentiment_score":0.3618313256771334,"channel":0,"num_words":31,"start":2286.7751,"end":2294.315},{"sentences":[{"text":"Yep.","start":2294.4949,"end":2294.9949,"sentiment":"neutral","sentiment_score":0.1700420081615448}],"sentiment":"neutral","sentiment_score":0.1700420081615448,"channel":1,"num_words":1,"start":2294.4949,"end":2294.9949},{"sentences":[{"text":"and I'll go back and look at doing that investment switch keeping that high growth environment, remove Ben along, and put something else in place and show you what that looks like.","start":2294.535,"end":2302.36,"sentiment":"neutral","sentiment_score":0.22424254775978625},{"text":"Okay.","start":2302.36,"end":2302.86,"sentiment":"neutral","sentiment_score":0.15795780718326569}],"sentiment":"neutral","sentiment_score":0.22223391925746744,"channel":0,"num_words":33,"start":2294.535,"end":2302.86},{"sentences":[{"text":"Yep.","start":2302.67,"end":2303.1501,"sentiment":"neutral","sentiment_score":0.1708846390247345},{"text":"Alright.","start":2303.1501,"end":2303.6501,"sentiment":"neutral","sentiment_score":0.2997059226036072},{"text":"That'll","start":2303.95,"end":2304.35,"sentiment":"positive","sentiment_score":0.4815661311149597}],"sentiment":"neutral","sentiment_score":0.31738556424776715,"channel":1,"num_words":3,"start":2302.67,"end":2304.35},{"sentences":[{"text":"Beautiful.","start":2304.2,"end":2304.7,"sentiment":"positive","sentiment_score":0.6716619729995728}],"sentiment":"positive","sentiment_score":0.6716619729995728,"channel":0,"num_words":1,"start":2304.2,"end":2304.7},{"sentences":[{"text":"be great.","start":2304.35,"end":2305.01,"sentiment":"positive","sentiment_score":0.7742131352424622}],"sentiment":"positive","sentiment_score":0.7742131352424622,"channel":1,"num_words":2,"start":2304.35,"end":2305.01},{"sentences":[{"text":"Easy.","start":2306.2,"end":2306.68,"sentiment":"positive","sentiment_score":0.7049318552017212},{"text":"Thank you so much.","start":2306.68,"end":2307.72,"sentiment":"positive","sentiment_score":0.816380962729454},{"text":"I'll let you go, Paula.","start":2307.72,"end":2308.76,"sentiment":"positive","sentiment_score":0.5264664232730866},{"text":"I hope you have a lovely evening, but thanks for your time.","start":2308.76,"end":2311.58,"sentiment":"positive","sentiment_score":0.7072898596525192}],"sentiment":"positive","sentiment_score":0.6859211881052364,"channel":0,"num_words":22,"start":2306.2,"end":2311.58},{"sentences":[{"text":"No.","start":2311.71,"end":2312.03,"sentiment":"neutral","sentiment_score":0.09416107833385468},{"text":"You too.","start":2312.03,"end":2312.51,"sentiment":"neutral","sentiment_score":0.23657317459583282},{"text":"Thank you.","start":2312.51,"end":2313.2068,"sentiment":"positive","sentiment_score":0.5073429346084595}],"sentiment":"neutral","sentiment_score":0.3163986593484879,"channel":1,"num_words":5,"start":2311.71,"end":2313.2068},{"sentences":[{"text":"No worries.","start":2314.137,"end":2314.777,"sentiment":"neutral","sentiment_score":0.2412482425570488},{"text":"I'll talk to you soon.","start":2314.777,"end":2315.897,"sentiment":"positive","sentiment_score":0.3342434227466583},{"text":"Thanks.","start":2315.897,"end":2316.397,"sentiment":"positive","sentiment_score":0.5439533591270447}],"sentiment":"positive","sentiment_score":0.33720836974680424,"channel":0,"num_words":8,"start":2314.137,"end":2316.397},{"sentences":[{"text":"Alright.","start":2316.1667,"end":2316.6467,"sentiment":"neutral","sentiment_score":0.2262413203716278},{"text":"Okay.","start":2316.6467,"end":2317.0469,"sentiment":"neutral","sentiment_score":0.19824278354644775},{"text":"Bye.","start":2317.0469,"end":2317.5469,"sentiment":"neutral","sentiment_score":0.1930307149887085}],"sentiment":"neutral","sentiment_score":0.205838272968928,"channel":1,"num_words":3,"start":2316.1667,"end":2317.5469},{"sentences":[{"text":"See you later.","start":2318.057,"end":2318.697,"sentiment":"neutral","sentiment_score":0.2639636794726054},{"text":"Bye.","start":2318.697,"end":2319.197,"sentiment":"neutral","sentiment_score":-0.11313538998365402}],"sentiment":"neutral","sentiment_score":0.16968891210854053,"channel":0,"num_words":4,"start":2318.057,"end":2319.197}]},"summary":{"result":"success","short":"Representatives from IT Financial and Financial Services discuss the benefits of a new active manager for a low-cost investment and the importance of staying in high growth environments. They emphasize the benefits of a tax return and the potential for volatility in the market if inflation increases. The speakers also discuss the benefits of staying in the high growth environment and the insurances, including a premium increase. They emphasize the importance of updating financial documents and keeping everyone at the forefront of information. They also suggest using catch-up contributions to reduce tax income and increase contributions."},"intents":{"segments":[{"text":"I just had you booked in to go through your annual review. Is now still a good time there for you? Yeah.","start_word":25,"end_word":46,"intents":[{"intent":"Check annual review","confidence_score":0.00080771686}]},{"text":"So, Joel, I know you did speak to my colleague Samantha about a week ago now, and she sent an email to you just giving you a bit of an update on your portfolio there. Did you happen to have a look through the email at all? Yeah.","start_word":375,"end_word":422,"intents":[{"intent":"Update portfolio","confidence_score":0.3977402}]},{"text":"have a look at that as an increase, you're up by 11.6% net of fees for the year.","start_word":509,"end_word":526,"intents":[{"intent":"Compare fees","confidence_score":0.000012318779}]},{"text":"I am Yep. kinda going through everyone's portfolios with the reviews and looking Yep. at what we maybe need to switch out for you because, obviously, we wanna make sure that nothing is underperforming in your portfolio. And even with an 11% return, it is a great return. Your portfolio is working well, but it still means that some investments might need to be switched out every so often. Yes.","start_word":746,"end_word":815,"intents":[{"intent":"Discuss portfolios","confidence_score":0.085179135}]},{"text":"kinda going through everyone's portfolios with the reviews and looking Yep. at what we maybe need to switch out for you because, obviously, we wanna make sure that nothing is underperforming in your portfolio. And even with an 11% return, it is a great return. Your portfolio is working well, but it still means that some investments might need to be switched out every so often. Yes.","start_word":749,"end_word":815,"intents":[{"intent":"Review portfolios","confidence_score":0.013367696}]},{"text":"But other Australian equity investments aren't seeing the sort of issues that Ben Long are having, so I do wanna swap that out for you. Yep.","start_word":867,"end_word":892,"intents":[{"intent":"Swap investment","confidence_score":0.037146464}]},{"text":"I've Yep. got a couple of active and passive management options we can look at.","start_word":920,"end_word":934,"intents":[{"intent":"Discuss portfolio management options","confidence_score":0.016728707},{"intent":"Discuss portfolio management options","confidence_score":0.14262992}]},{"text":"pay a little bit more in the way of investment fees to have that kind of active manager in your portfolio.","start_word":987,"end_word":1007,"intents":[{"intent":"Discuss investment fees","confidence_score":0.2743125}]},{"text":"What would you like me to look at? I just want someone that's gonna make me money. I shouldn't be like that. No.","start_word":1039,"end_word":1061,"intents":[{"intent":"Discuss financial goals","confidence_score":0.024039136}]},{"text":"I completely understand. That's not a problem at all.","start_word":1106,"end_word":1114,"intents":[{"intent":"Confirm understanding","confidence_score":0.47058377}]},{"text":"can look at doing for you, if you like, is realistically and look, active managers are good. They do do they do tend to do quite well. However, there's no guarantees they're gonna outperform against the market. So if you like, what I could maybe look at doing is something a bit more passive. Look at Yes.","start_word":1118,"end_word":1174,"intents":[{"intent":"Discuss passive management","confidence_score":0.089748956}]},{"text":"I've got a couple of options I'm looking at. I'll go back and just sort of review them more, look at how they work with the portfolio, look at what sort of fee savings it might help you out with.","start_word":1229,"end_word":1268,"intents":[{"intent":"Review portfolio options","confidence_score":0.5490094},{"intent":"Review investment options","confidence_score":0.119716145}]},{"text":"The other thing I do look at is obviously the capital gains consequences. So your super fund, like you you do every year, does a tax return. So any, Yep.","start_word":1269,"end_word":1298,"intents":[{"intent":"Review capital gains consequences","confidence_score":0.42613962}]},{"text":"I'll just do an investment switch advice document to make it easier for you, Yep. and I'll outline the advantages and disadvantages, what we're gonna replace, and, obviously, the changes in the fees and any CGT consequence that might be might be as a result of the switch for you. Does that sound Yeah.","start_word":1330,"end_word":1383,"intents":[{"intent":"Explain investment switch advice","confidence_score":0.018432662}]},{"text":"That's That net of all fees, including our ongoing service fee. Correct. Yeah. yeah.","start_word":1427,"end_word":1440,"intents":[{"intent":"Discuss fee net of fees","confidence_score":0.00004210961}]},{"text":"and 35,000 that you've made in earnings. That's growth and income over the past three years, and that's net of fees as well. So, Yep.","start_word":1583,"end_word":1607,"intents":[{"intent":"Highlight financial progress","confidence_score":0.00006875172}]},{"text":"I'm more than happy to talk you through it or reassess that level with you as well. Okay? Yeah.","start_word":1954,"end_word":1972,"intents":[{"intent":"Discuss and discuss level","confidence_score":0.0007703205}]},{"text":"can always review the portfolio to review, you know, your risk level at any point in time as well. Okay?","start_word":2199,"end_word":2218,"intents":[{"intent":"Review portfolio","confidence_score":0.96272564}]},{"text":"With that, sir, you're happy to stay in that high growth environment for the moment. I mean, realistically, you do have the time horizon ahead of you. As you said, you're only 37 in September, so you've got a bit of time before you're able to access Super at this stage. Yeah.","start_word":2227,"end_word":2278,"intents":[{"intent":"Stay in high growth environment","confidence_score":0.8911571}]},{"text":"The other thing I do like to look at is the insurances. So I know last year, we did go ahead and cancel your income protection. You sorta didn't wanna keep paying for that any longer. Yep.","start_word":2359,"end_word":2395,"intents":[{"intent":"Look at insurances","confidence_score":0.074920125}]},{"text":"then if you've got an older policy too. Any newer policies would definitely cost a little bit more with the the changes that come in every year to the insurance companies. Yeah.","start_word":2621,"end_word":2652,"intents":[{"intent":"Clarify policies","confidence_score":0.0004238144}]},{"text":"With the property there, I've got a an estimated asset value of that 1,200,000. Would you alter or change that at all? No.","start_word":2946,"end_word":2968,"intents":[{"intent":"Assess car value","confidence_score":0.0011979047}]},{"text":"Having a look at your beneficiaries. Now I can see we have sent out some beneficiary forms to you, but it looks like we still don't have them returned. So we don't actually have beneficiary nominations placed on your three for your one pass policy at the moment. I do wanna You're right. try and get those applied, so I wanna help you to have those completed. Yes.","start_word":3338,"end_word":3405,"intents":[{"intent":"Apply beneficiary forms","confidence_score":0.13070948}]},{"text":"your super and your life insurance is one thing, but making sure she actually gets the money in the Yep. event that's having a curve would be another story. So beautiful.","start_word":3619,"end_word":3649,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.020063393}]},{"text":"I will make sure that is done, and I will get Michelle, my admin team member, to pre fill them. She'll send them out to you, and then she'll follow you up a little bit to make sure they come back as well. Okay?","start_word":3650,"end_word":3693,"intents":[{"intent":"Send documents","confidence_score":0.13699281}]},{"text":"Other than that, I've got it noted here that you guys do have a will and power of attorney. Everything is up to date. Is that is Yep. that also reflective of your wishes? Yep.","start_word":3700,"end_word":3734,"intents":[{"intent":"Clarify documentation","confidence_score":0.00057107763}]},{"text":"So your ongoing service fee you pay to us is 1.1%. Yep.","start_word":3794,"end_word":3805,"intents":[{"intent":"Reduce fee","confidence_score":0.0007176781}]},{"text":"Unfortunately, I've gotta take it to my license fee.","start_word":3914,"end_word":3922,"intents":[{"intent":"Discuss license fee","confidence_score":0.0017286738}]},{"text":"Have I ever sort of explained to you have about the VIX index? This might be something that's kind of interesting to you. Have you ever seen or heard about what the VIX index is? No.","start_word":4144,"end_word":4179,"intents":[{"intent":"Analyze vx index","confidence_score":0.017181773}]},{"text":"So what and it what were kinda the gives numbers you again? an index. So Yep. 20% is kind of the the the line of where you go from volatility to stable. Yeah.","start_word":4335,"end_word":4367,"intents":[{"intent":"Discuss metrics and determine expected volatility","confidence_score":9.089785e-9}]},{"text":"20% is kind of the the the line of where you go from volatility to stable.","start_word":4351,"end_word":4366,"intents":[{"intent":"Provide information about projected volatility","confidence_score":0.00034495618}]},{"text":"just a really cool indicator of kind of being usually, like, some of the indicators that we use to sorta help everyone so that people have got something they can kinda go to or a little bit of guidance there.","start_word":4399,"end_word":4438,"intents":[{"intent":"Provide guidance on future updates","confidence_score":0.0037214188}]},{"text":"1.1% that we like, fees that we pay, Yep. and that's and that is that capped at 500,000 Six or 100,000. 600? Yep. Okay.","start_word":4541,"end_word":4564,"intents":[{"intent":"Explain fees and caps","confidence_score":0.000728654}]},{"text":"The other documents we will have in that doc Odoo sign pack for you will just be our updated financial service guide with the outline of everything about who we are, what we do, how we do it.","start_word":4634,"end_word":4671,"intents":[{"intent":"Update services and information","confidence_score":0.0036344668}]},{"text":"Over the next sort of one to two or even five years, do you have any other goals that you're looking to achieve? Or We are looking to move, buy another property.","start_word":4762,"end_word":4793,"intents":[{"intent":"Express desire to move","confidence_score":0.0008529157}]},{"text":"You also mentioned maybe upgrading a car as well. Is that something you're sort of looking to do down the track? Yeah.","start_word":4915,"end_word":4936,"intents":[{"intent":"Suggest upgrading car","confidence_score":0.0015036545}]},{"text":"wise, we're all good. And retirement wise, we're still tracking forward to retire, hopefully, at age 60. Yes. For sure.","start_word":4947,"end_word":4966,"intents":[{"intent":"Express interest in retirement","confidence_score":0.029529067}]},{"text":"Well, with 60 at the moment is the earliest they're gonna let you access your super, but, I mean, we can look at other things down the track. We can look at investing outside of super in certain ways to kind of build retire you know, you build access to savings earlier so you can possibly retire earlier. Yep.","start_word":4977,"end_word":5035,"intents":[{"intent":"Access super","confidence_score":0.7234712},{"intent":"Access super","confidence_score":0.59305745},{"intent":"Access super super","confidence_score":0.011842889}]},{"text":"We can look at investing outside of super in certain ways to kind of build retire you know, you build access to savings earlier so you can possibly retire earlier. Yep.","start_word":5004,"end_word":5034,"intents":[{"intent":"Build savings","confidence_score":0.19070612}]},{"text":"Probably the only like, the only thing that I really hate is paying tax. Honestly, I hate Absolutely. paying tax. If we can come up with Yeah. some strategies, I don't know what we can do. Potentially, I pay a lot of tax. Yeah.","start_word":5279,"end_word":5322,"intents":[{"intent":"Use tax","confidence_score":0.0060420902}]},{"text":"Well, both Jackie and I, we pay a lot of tax, which is great. If you're paying tax, you're earning money. That's great. Yeah.","start_word":5324,"end_word":5347,"intents":[{"intent":"Reduce tax costs","confidence_score":0.0063816165}]},{"text":"But I would be very mindful of just being cautious about doing it now. I'd be waiting to see what happens with this bill to work out whether you buy your forever home and rent the current property out or whether you have to buy a new property to be able to look at negative gearing to benefit you. Does that make sense?","start_word":5905,"end_word":5967,"intents":[{"intent":"Evaluate potential impact","confidence_score":0.0011090959}]},{"text":"You could also look at utilizing some catch up contributions. I would say utilizing catch up contribution because your balance is a lot higher, once you hit that $500,000 balance as of the July 1, any financial year, you actually lose access to your catch up contributions.","start_word":6065,"end_word":6111,"intents":[{"intent":"Utilize catch up contributions","confidence_score":0.009916872}]},{"text":"Are I still you got I'm just looking at your contributions going in. Let's yeah.","start_word":6449,"end_word":6463,"intents":[{"intent":"Look at contributions","confidence_score":0.01071096}]},{"text":"the super fund has to process the contributions, and we claim the notice of intent.","start_word":6790,"end_word":6804,"intents":[{"intent":"Receive notice of contributions","confidence_score":0.0010039085}]},{"text":"The tax deduction I mean, you might have other deductions that might help reduce some you know, that you might also be able to provide there, but I can give you some general information on what that looks like. We can get that money in, and then you've got something done before the end of the financial year to help you out a little bit. Yeah.","start_word":6932,"end_word":6997,"intents":[{"intent":"Discuss contributions and tax deductions","confidence_score":0.002152944}]},{"text":"But they're also increasing the non concessional cut, which is great to a 130,000. So, Yeah.","start_word":7138,"end_word":7153,"intents":[{"intent":"Increase contributions and non concessional cut","confidence_score":0.0013818076}]},{"text":"So we should be looking at maxing it out this year.","start_word":7171,"end_word":7181,"intents":[{"intent":"Maximize contributions","confidence_score":0.11097443}]},{"text":"And then next year, probably need to look at salary sacrificing more straight out of We my we can.","start_word":7194,"end_word":7212,"intents":[{"intent":"Determine salary sacrifice deduction","confidence_score":0.000088196146}]}]},"sentiments":{"segments":[{"text":"Hello. Paul speaking. Hi, Paul. It's Dana from IT Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.133989617228508},{"text":"Good. Thanks. How are you? I'm very well. Thank you.","start_word":15,"end_word":24,"sentiment":"positive","sentiment_score":0.538398265838623},{"text":"I just had you booked in to go through your annual review. Is now still a good time there for you? Yeah. That's fine. Yep. Yeah.","start_word":25,"end_word":50,"sentiment":"neutral","sentiment_score":0.2626320719718933},{"text":"All good.","start_word":51,"end_word":52,"sentiment":"positive","sentiment_score":0.3746665418148041},{"text":"How's your day been so far? Pretty busy. Not too bad, Yeah? mate. How Oh, about that's yours? good. I yeah.","start_word":53,"end_word":73,"sentiment":"neutral","sentiment_score":0.12422393262386322},{"text":"It's been good.","start_word":74,"end_word":76,"sentiment":"positive","sentiment_score":0.4004148840904236},{"text":"Busy, but Good. just for having the end of financial year, so it's Yeah.","start_word":77,"end_word":90,"sentiment":"neutral","sentiment_score":0.21632254123687744},{"text":"all Nice. okay. Very good.","start_word":91,"end_word":95,"sentiment":"positive","sentiment_score":0.4034748077392578},{"text":"Yeah. How's everything been going since we last closed Tabspace? Is there anything big change, any new pay rises, or any changes in your role? I'm not too sure. I don't know. When did we touch base? Probably Yeah. last one Yeah. inch, were you? I imagine. Yeah. I don't think so. We probably No? just run over them numbers again if we need to. Yeah. No. That's Yep. okay. Not a problem at all. Excellent. Yep. What I'll do is we don't use DocuSign anymore. We use OdoSign. So what I'll do is I'll go through the annual review with you, give you an update on how things are going, update all of your circumstances, and have a bit of a chat. And then after the call, out will come your annual review pack so you Yep. can take some time and have a bit of a look at it and let me know if Yep. there's any additional questions Alright. that you Yep. do Sounds have. Is good. that okay? Yep. Easy. All good. Before we jump into the call, just to obviously let you know, we do record these calls moving forward for training and quality purposes. Are you happy for me to proceed with that moving through the call? Yeah. That's fine. Yeah.","start_word":96,"end_word":312,"sentiment":"neutral","sentiment_score":0.05325115844607353},{"text":"Fantastic. Excellent.","start_word":313,"end_word":314,"sentiment":"positive","sentiment_score":0.4752615690231323},{"text":"And I'll just do security there with you as well just to confirm your full name, your address, and date of birth I should have on file before I give out any personal information. So Paul Monaghan, the tenth Yep. of the ninth nineteen eighty nine Yep. in James O'Donnell Drive, Barnesville. Legend.","start_word":315,"end_word":367,"sentiment":"neutral","sentiment_score":0.11454885038283635},{"text":"Beautiful. Thank you so much for that.","start_word":368,"end_word":374,"sentiment":"positive","sentiment_score":0.7500556111335754},{"text":"So, Joel, I know you did speak to my colleague Samantha about a week ago now, and she sent an email to you just giving you a bit of an update on your portfolio there. Did you happen to have a look through the email at all? Yeah. I have that. Look at that. Yep. Yep.","start_word":375,"end_word":430,"sentiment":"neutral","sentiment_score":0.07388711720705032},{"text":"Fantastic. Sure So this is yeah. It's all good.","start_word":431,"end_word":439,"sentiment":"positive","sentiment_score":0.5076785087585449},{"text":"Just to give you a bit of an update on where things are going and so super probably the main thing you're have. wanting to sort of find out about. Yeah. As of your last annual review last year, your balance is about 3 sorry. 403,609. Having a look at things now, your balance is upwards of 475,904. So it's a good increase for the year. When we Yep. have a look at that as an increase, you're up by 11.6% net of fees for the year. When we break that down to a dollar figure as it's income and growth there, you've made about 55,305 and 76<unk> for the year.","start_word":440,"end_word":551,"sentiment":"neutral","sentiment_score":0.1778835505247116},{"text":"So it's a good Yep.","start_word":552,"end_word":556,"sentiment":"positive","sentiment_score":0.4553539454936981},{"text":"increase.","start_word":557,"end_word":557,"sentiment":"neutral","sentiment_score":0.2951057255268097},{"text":"Even after the volatility we have seen this year, it's good to see you come out on top.","start_word":558,"end_word":575,"sentiment":"positive","sentiment_score":0.41309890151023865},{"text":"And with your portfolio, you're in that high growth environment, so you have that nine to 10 split as as we have kinda gone through with you. So that kind of you are taking more risk in the market, so you can sort of see more volatility and feel more volatility as your balance increases as well. So Yes.","start_word":576,"end_word":634,"sentiment":"neutral","sentiment_score":0.12467244267463684},{"text":"11% return is really good, really happy with that.","start_word":635,"end_word":643,"sentiment":"positive","sentiment_score":0.5415126085281372},{"text":"Yes. You've probably heard and seen what's happening in the markets a little bit at the moment. Is there any sort of questions you might have or you sort of Probably not really. Probably just looking at it. Is it look at, like, Benelon, Australian Equities and that there. Yeah. Absolutely. So when I kinda That break down that's your probably portfolio that's probably the only thing I really look at is it. And I'm like, it's probably the one that's not doing not doing too that is and that's one of the things I wanted to talk to you about today. much. I am Yep. kinda going through everyone's portfolios with the reviews and looking Yep. at what we maybe need to switch out for you because, obviously, we wanna make sure that nothing is underperforming in your portfolio. And even with an 11% return, it is a great return. Your portfolio is working well, but it still means that some investments might need to be switched out every so often. Yes. And having a look at things, Ben Long has been underperforming for this year. Yes. It was doing really well for many years up until sort of the end of last year, early this year, and then it's kinda been magnified with what's been happening globally there as Yeah. well. Yep. But other Australian equity investments aren't seeing the sort of issues that Ben Long are having, so I do wanna swap that out for you. Yep. I would do have a bit of an advice document. I've got a few options that I'm looking at with regard to swapping that out for you. I've Yep. got a couple of active and passive management options we can look at. Yep. I just wanted to kinda get a feel for what your comfort level is. So with Bannalong, it was meant to be more of an actively managed investment, so that it's an active manager. They're meant to be buying and selling and trying to outperform against the market. You can Yep. pay a little bit more in the way of investment fees to have that kind of active manager in your portfolio. Did you want me to keep something as an active manager in there, or did you wanna look at something a bit more passive or low cost in in its place? What would you like me to look at? I just want someone that's gonna make me money. I shouldn't be like that. No. You're fine. We you work Yeah. hard. I'm You deserve pretty upfront to make with money. that. Yeah. Yeah. I'm I'm pretty upfront with that. I just wanna make money. I don't Yeah. work for No. the That's front of it. no. That's fine. I completely understand. That's not a problem at all. What I Yep. can look at doing for you, if you like, is realistically and look, active managers are good.","start_word":644,"end_word":1134,"sentiment":"neutral","sentiment_score":0.014354495578227364},{"text":"They do do they do tend to do quite well.","start_word":1135,"end_word":1144,"sentiment":"positive","sentiment_score":0.34077730774879456},{"text":"However, there's no guarantees they're gonna outperform against the market. So if you like, what I could maybe look at doing is something a bit more passive. Look at Yes. a passive manager that provides maybe more diversification to help manage risk Yep. a little bit more, look at how that performs, but also look at maybe reducing some of the investment fees for you as well. Does that sound like a good idea? Yep. Yep. Yep.","start_word":1145,"end_word":1221,"sentiment":"neutral","sentiment_score":0.12997539341449738},{"text":"Let's All do good.","start_word":1222,"end_word":1225,"sentiment":"positive","sentiment_score":0.3865192532539368},{"text":"that. No worries. I've got a couple of options I'm looking at. I'll go back and just sort of review them more, look at how they work with the portfolio, look at what sort of fee savings it might help you out with. The other thing I do look at is obviously the capital gains consequences. So your super fund, like you you do every year, does a tax return. So any, Yep. you know, changes to investments and switches and things does have a tax consequence for your funds. So I'll go back Mhmm. and review that. I'll update the advice for you. I'll just do an investment switch advice document to make it easier for you, Yep. and I'll outline the advantages and disadvantages, what we're gonna replace, and, obviously, the changes in the fees and any CGT consequence that might be might be as a result of the switch for you. Does that sound Yeah. okay? You're right. Yep. Yes?","start_word":1226,"end_word":1388,"sentiment":"neutral","sentiment_score":0.07514508068561554},{"text":"Sounds Beautiful. good. Excellent. Lovely.","start_word":1389,"end_word":1393,"sentiment":"positive","sentiment_score":0.5284920930862427},{"text":"So that 11 and a half percent, so that was made for the last twelve months, Mhmm. is that net of your fees? Like, is that your It is fees? yes. No. Yep. That's That net of all fees, including our ongoing service fee. Correct. Yeah. yeah. Righto. So that's with your fees Yep. taken out. Absolutely. Yeah. Yeah. Definitely. Righto. Yep. Yeah.","start_word":1394,"end_word":1456,"sentiment":"neutral","sentiment_score":0.05060805670089192},{"text":"Beautiful.","start_word":1457,"end_word":1457,"sentiment":"positive","sentiment_score":0.5031089782714844},{"text":"Yeah.","start_word":1458,"end_word":1458,"sentiment":"neutral","sentiment_score":0.2913641929626465},{"text":"Righto. All good.","start_word":1459,"end_word":1461,"sentiment":"positive","sentiment_score":0.38253098726272583},{"text":"No.","start_word":1462,"end_word":1462,"sentiment":"neutral","sentiment_score":0.23190277814865112},{"text":"Nice. That's a good easy easy done.","start_word":1463,"end_word":1469,"sentiment":"positive","sentiment_score":0.5551391243934631},{"text":"We Have certainly you hope it doesn't you're right. Sorry. I'm sorry. Have you got a, like, a since I've joined you, have you got an average of what I've made? Does that make sense? Yeah. I absolutely For the last do. I think it's been, yeah, three three to four years, maybe three years. Yep. Sure do. So it's almost three years here at the moment there. And when Yep. I look at the return net, you've made 34.79%. So it's averaged a compounded rate of return of 11.59 per Yeah. Righto. Yep. year. Yeah. And I've actually got the dollar figure here for you as well. It's about a 100 Yeah. and 35,000 that you've made in earnings. That's growth and income over the past three years, and that's net of fees as well. So, Yep.","start_word":1470,"end_word":1607,"sentiment":"neutral","sentiment_score":0.044238559901714325},{"text":"yeah, it's done really well. Happy with that.","start_word":1608,"end_word":1615,"sentiment":"positive","sentiment_score":0.3999463617801666},{"text":"No. That's good. Easy.","start_word":1616,"end_word":1619,"sentiment":"neutral","sentiment_score":0.21150648593902588},{"text":"Perfect. Very good.","start_word":1620,"end_word":1622,"sentiment":"positive","sentiment_score":0.45273715257644653},{"text":"So I'll make sure that these documents are attached in that annual review pack there for you. If you find you have additional questions, let me know.","start_word":1623,"end_word":1649,"sentiment":"neutral","sentiment_score":0.11773782968521118},{"text":"But I'm personally really happy with how things have gone for VDE.","start_word":1650,"end_word":1661,"sentiment":"positive","sentiment_score":0.3383057713508606},{"text":"It is really important I do note, though, that we have seen a bit of volatility this year. We do not know what's gonna happen next year. We have certainly been speaking to some of the economists out there to see what's been going on, what they expect to happen. Unfortunately, inflation is expected to kind of have a bit of an increase over the next few months as well. Yep. I don't really like the idea of that. But if there is a bit of an increase to inflationary pressures, it does mean that we could see some more volatility in the market. Yep. But, overall, you've done really well. So the other Yeah. thing to kinda point out, and just to make sure that I'm being open and honest with you, is as your balance increases remaining in that high growth environment there, you will Mhmm. notice that smaller fluctuations feel a lot bigger on your super balance. And in the shorter term, if we see those, you know, fluctuations continue, a one or two or 3% change in your portfolio, you might feel that in the short term a little bit. So Yep. please reach out if you are concerned or have any questions in relation to it, but I just want to make sure that everyone who is in that high growth environment does kind of is aware that, you know, reductions or pullbacks in the performance or in the in the market in the short term does affect everybody, but it's about waiting through those downtimes and coming out Yeah. on the other side there. And if Yep. you ever find you're not comfortable being in that kind of high growth environment, please do let me know.","start_word":1662,"end_word":1953,"sentiment":"neutral","sentiment_score":-0.05084696105898243},{"text":"I'm more than happy to talk you through it or reassess that level with you as well.","start_word":1954,"end_word":1970,"sentiment":"positive","sentiment_score":0.3479546308517456},{"text":"Okay? Yeah. Probably just at this stage, like, I am only still, what, 36, 10 towards 37. Absolutely. I think I'm still young enough really to stay high growth. Like, I Yeah. still got a long time of work, unfortunately. Yeah. Absolutely. Look. It's it's a positive and a negative. A long time Yes. of work means you've gotta do more work, unfortunately. However, you do have a lot more time to allow your portfolio to come pan for longer, so it's absolutely fine. Yes. I just like to sort of bring those things up because I am sort of finding this year a lot of people who, you know, the last few years have wanted to say high growth this year, have been have been a little bit more nervous about it. So I've been having Yep.","start_word":1971,"end_word":2108,"sentiment":"neutral","sentiment_score":-0.017937421798706055},{"text":"a lot of very honest conversations with people from all works walks of life as well. I feel like you're probably a bit more versed than most people are in relation to the markets and how things work, and it's just, you know, making sure that everyone's comfortable with that level and noting that you don't have to wait for the annual review.","start_word":2109,"end_word":2171,"sentiment":"positive","sentiment_score":0.3857948184013366},{"text":"If you're ever concerned, pick up the phone or let me know. I'll make time to come and have a chat with you, and we Yep. can always review the portfolio to review, you know, your risk level at any point in time as well. Okay? Yeah. Yep. Yep.","start_word":2172,"end_word":2220,"sentiment":"neutral","sentiment_score":0.16238750578189382},{"text":"Perfect.","start_word":2221,"end_word":2221,"sentiment":"positive","sentiment_score":0.3834444582462311},{"text":"No. Very good.","start_word":2222,"end_word":2224,"sentiment":"neutral","sentiment_score":0.19081604480743408},{"text":"All good. With that, sir, you're happy to stay in that high growth environment for the moment.","start_word":2225,"end_word":2241,"sentiment":"positive","sentiment_score":0.5192447900772095},{"text":"I mean, realistically, you do have the time horizon ahead of you. As you said, you're only 37 in September, so you've got a bit of time before you're able to access Super at this stage. Yeah.","start_word":2242,"end_word":2278,"sentiment":"neutral","sentiment_score":0.20266129076480863},{"text":"Capacity wise, you've got time to wade through the downtime without sort of worrying or having to take money out there at the moment, and you are working, and you're a good high income earner as well. So your contributions going in do also provide that greater benefit to your super. Yes. I'm comfortable keeping you in that high growth environment for the time being as long as you're comfortable to stay there.","start_word":2279,"end_word":2351,"sentiment":"positive","sentiment_score":0.4007481038570404},{"text":"Yep. Yep. Yep.","start_word":2352,"end_word":2354,"sentiment":"neutral","sentiment_score":0.13172395527362823},{"text":"Perfect. Excellent. All good.","start_word":2355,"end_word":2358,"sentiment":"positive","sentiment_score":0.519524335861206},{"text":"The other thing I do like to look at is the insurances. So I know last year, we did go ahead and cancel your income protection. You sorta didn't wanna keep paying for that any longer. Yep. With the licensed EPD benefit you still have, it does give you a benefit or your your sorry. The benefit you're covered for is a million and 62 and 810. So it has gone up a little bit from last year. Yep. You premium was you paid about 1,177 this year for that one. Thinking about sort of the life and CBD benefit that you're covered for at the moment with one pass, are you fairly happy with that? Did you wanna kind of look at altering that in any way, shape, or form? If it doesn't cost anything to have a look at it, I'm always willing to have a look at something that's just as good, but I'm not paying as many fees. I'm always happy to have a look. No. You're alright. I wouldn't sort of honestly, one pass, and the amount you're paying for these is the cheapest you'll get for the type of cover that you've got. It's more Yep. just about whether you kinda wanted to increase or decrease it at all.","start_word":2359,"end_word":2573,"sentiment":"neutral","sentiment_score":0.043053863799675955},{"text":"Realistically, the premium you're paying is actually very, very good for the level of cover you've got.","start_word":2574,"end_word":2590,"sentiment":"positive","sentiment_score":0.6163045763969421},{"text":"I've seen people who have less cover pay a lot more for for premiums. So one path is Yeah.","start_word":2591,"end_word":2609,"sentiment":"neutral","sentiment_score":0.12686337530612946},{"text":"definitely the most competitive premium wise out there, Yeah.","start_word":2610,"end_word":2618,"sentiment":"positive","sentiment_score":0.4220649600028992},{"text":"especially Right. then if you've got an older policy too. Any newer policies would definitely cost a little bit more with the the changes that come in every year to the insurance companies. Yeah. So I wouldn't Yeah. wanna sort of just change the cover if you are comfortable with the amount of cover you have just because it would increase the cost of it. But Yep. did you wanna reevaluate the level? Are you happy with the, you know, a million and 62 that you've got? Yeah. Yeah. I'm still happy with Yes? that. Yep. Yep.","start_word":2619,"end_word":2715,"sentiment":"neutral","sentiment_score":0.04297065734863281},{"text":"Excellent. All good.","start_word":2716,"end_word":2718,"sentiment":"positive","sentiment_score":0.4197757840156555},{"text":"I I don't can think see it'll here worry with me you. too much. No. No. Well, the I'll CBD be dead. is probably more you. Anyway no. All good. Yes. Sorry. No. No. You're fine. You are absolutely fine. Don't worry. I've heard it all. I've got clients who I talk about life with and all the bits and pieces, and they go, oh, it's not even gonna bother me. I don't even care. No. It's all good. I do can. So yeah. Yeah. I'm sure you do. Yep. All good. With the with the mortgage and the property, I have it noted here that you have roughly about a 100,000 owing there, but you guys have it offset pretty well, don't you? Yeah. We so Yep. so we're fully offset. We we still have loans Yep. open, Yep. but it's fully offset. I believe you only sort of technically owe about, what, 2,000 on the mortgage? Yeah. There's nothing there. Yes. It's it's it's literally we owe money because we wanna keep the loan open at this stage. Yeah. Yeah. This Absolutely. way It's it's the servicing yeah. of it. It's it's there. You've got the money if you need it in case something Yeah. comes out without having to go back to the rigmarole of servicing Yep. again. I get it. Yep. Yep.","start_word":2719,"end_word":2944,"sentiment":"neutral","sentiment_score":0.0460512712597847},{"text":"Fantastic.","start_word":2945,"end_word":2945,"sentiment":"positive","sentiment_score":0.6994415521621704},{"text":"With the property there, I've got a an estimated asset value of that 1,200,000. Would you alter or change that at all? No. I'd leave it around there. About that? Perfect. Yeah. I've also got the Ford Ranger asset value 65,000. Yeah. I don't know what they're worth these days, but That's I'll be okay. around that. I don't know. You're right. All good. Yeah. And then the Mazda three with an asset value roughly of 2,000. Yeah. We're right. Yep. For sure. 2,000 All seven, good. man. It's very it's a it's a hot run. No. Is it the one you drive to work? I believe it says it's Yeah. the one you guys you drive. Yeah. Yeah. Yeah. Yeah. No. That's me work.","start_word":2946,"end_word":3070,"sentiment":"neutral","sentiment_score":0.07214167714118958},{"text":"Nice.","start_word":3071,"end_word":3071,"sentiment":"positive","sentiment_score":0.36534255743026733},{"text":"Nice. And Alright. then you've still got the caravan there as well, roughly valued at 95,000. Yeah. Yep. Yep. Beautiful. And then content, rough valuation on content is about 126,000. Is that right? Yeah. Well, I couldn't Yeah. tell you. It'll be That's roughly okay. that. Possibly Yeah. more, possibly That less. But, yeah, that seems to be yeah. It's a bit difficult with content because, realistically, when you think about it, if you tip your house upside down, everything falls out. The right. cost Yeah. of replacing that could be different depending on where you shop, what you buy, what you want, Yep. you how many Yep. kids you've got. There's so many other factors there. So Yep. yeah. Perfect. Other than that, income wise, we had you earning about 180,000 last year. Have you had I know you said you weren't sure about the pay rise, but any pay rises recently or coming up? I think I'm probably sitting around 200, Oh, fantastic. roughly.","start_word":3072,"end_word":3237,"sentiment":"neutral","sentiment_score":0.0025354670472891934},{"text":"Yep. Beautiful. Well, you're definitely worth more.","start_word":3238,"end_word":3244,"sentiment":"positive","sentiment_score":0.5537049770355225},{"text":"That's what I keep telling them. That's what I All keep good. telling them. Yeah. Anyway No. Yeah. No.","start_word":3245,"end_word":3263,"sentiment":"neutral","sentiment_score":0.2001625895500183},{"text":"That's perfect.","start_word":3264,"end_word":3265,"sentiment":"positive","sentiment_score":0.3610427975654602},{"text":"And I've got down here that you're managing to save roughly about 250 per week. Are you still finding to that right, or is it a bit tougher with the way everything costs? No. I I think we do quite well, Simon. Yeah. There's probably more than Yeah. that. Yeah. It'd be That's a lot okay. more than that with Yeah. what's fitting. Right? Yep. That's okay. Not a problem at all. Having a look at your beneficiaries. Now I can see we have sent out some beneficiary forms to you, but it looks like we still don't have them returned. So we don't actually have beneficiary nominations placed on your three for your one pass policy at the moment. I do wanna You're right. try and get those applied, so I wanna help you to have those completed. Yes. Let's Are do you that. okay yeah. Is you okay if we pre fill them all for you? I obviously wanna double check that you do want Jackie as your beneficiary on your super and your life cover. Yep. Yep. Yep. Super annual life cover. Yep. Yep. Yeah. I I should Beautiful. do that. That's okay. If you if you're Yep. comfortable and you approve it, I can get my team to prefill the information. We obviously do have all of Jackie's details. So we can prefill it for you and send it out, and That'd then you've be sensational. just gotta sign sorry. Yeah. Yep. Yep. That'd be If we just gotta get it signed and witnessed, a witness just sensational. can't be Daphne as she'll be the beneficiary. But if you've got two mates or neighbors or, you know, brother or sister or mom or dad or or someone else that can just witness it for you the day you sign it, shoot them back Yep. to us in the post or email, and we will make sure they are applied for you. Because it's something that I know we've been trying to do, and I Yep. wanna try and make sure that that's covered. So if anything happens, having Yeah. your super and your life insurance is one thing, but making sure she actually gets the money in the Yep. event that's having a curve would be another story.","start_word":3266,"end_word":3647,"sentiment":"neutral","sentiment_score":0.05536735523004494},{"text":"So beautiful.","start_word":3648,"end_word":3649,"sentiment":"positive","sentiment_score":0.6686258316040039},{"text":"I will make sure that is done, and I will get Michelle, my admin team member, to pre fill them. She'll send them out to you, and then she'll follow you up a little bit to make sure they come back as well. Okay? Yep. Yep.","start_word":3650,"end_word":3695,"sentiment":"neutral","sentiment_score":0.217544823884964},{"text":"Beautiful. Beautiful. All good.","start_word":3696,"end_word":3699,"sentiment":"positive","sentiment_score":0.6111447215080261},{"text":"Other than that, I've got it noted here that you guys do have a will and power of attorney. Everything is up to date. Is that is Yep. that also reflective of your wishes? Yep. Yes.","start_word":3700,"end_word":3735,"sentiment":"neutral","sentiment_score":0.1180102676153183},{"text":"Perfect. Fantastic. Having a look, everything else looks pretty good. I'll get the annual review pack out to you there.","start_word":3736,"end_word":3755,"sentiment":"positive","sentiment_score":0.5035053491592407},{"text":"It will have a copy of all the documents that I've gone through giving you the city of currency and also an update on your superannuation side of things with the so ongoing service agreement there as well. So your ongoing service fee you pay to us is 1.1%. Yep. That's per annum, and then it's deducted in smaller monthly increments. It's the same as it was last year. I did try to reduce it a bit more, but, unfortunately, they wouldn't let me. I'm so sorry. I'll keep trying. But, yeah, it Well, says I'm one willing point to one cut zero. deals. We'll put it this well, if we do better than 11 half percent, let's say we go 13%, I'm happy to pay you, like, 1.2%. But if we don't go better than that, I'll pay, like, point nine. Yeah. The And good how's thing that about for your you? ongoing it sounds really good.","start_word":3756,"end_word":3913,"sentiment":"neutral","sentiment_score":0.05053587630391121},{"text":"Unfortunately, I've gotta take it to my license fee.","start_word":3914,"end_word":3922,"sentiment":"negative","sentiment_score":-0.3973933458328247},{"text":"The good thing about the way the percentage fee works is that it does work in line with your super. So the more you make or the more of a return you get out of your super does mean the more Yep. that we make as well.","start_word":3923,"end_word":3969,"sentiment":"positive","sentiment_score":0.6252726316452026},{"text":"And if to Yep. say we saw the market take a bit of a dip, it means that Outplay takes a bit of a dip with it as well.","start_word":3970,"end_word":3998,"sentiment":"neutral","sentiment_score":0.1775904893875122},{"text":"So it does work out to your benefit in that scenario there.","start_word":3999,"end_word":4010,"sentiment":"positive","sentiment_score":0.4303690195083618},{"text":"Yeah. Yep. But I know it's one thing that we did talk about last year, and I was like, look. I did go into bed. I did try. They said no, and I get Yep. that. It's okay. But Yep. I still wanna make sure things are working harder for you. So as your adviser, if I find that things aren't working and our fees should not be applied, I will go into that, and I will fight a lot harder for you.","start_word":4011,"end_word":4093,"sentiment":"neutral","sentiment_score":-0.023431824520230293},{"text":"But right now, you're making money. You're doing really well.","start_word":4094,"end_word":4103,"sentiment":"positive","sentiment_score":0.6001909375190735},{"text":"Even in a really crazy volatile time, we saw some really hectic changes and drops in the market this year, especially around March 2728 with what was happening overseas.","start_word":4104,"end_word":4132,"sentiment":"neutral","sentiment_score":-0.24128560721874237},{"text":"So your Yep. portfolio's weather the storm really, really nicely.","start_word":4133,"end_word":4142,"sentiment":"positive","sentiment_score":0.4234173893928528},{"text":"Yep. Have I ever sort of explained to you have about the VIX index? This might be something that's kind of interesting to you. Have you ever seen or heard about what the VIX index is? No. So the VIX index, the BIX index, No. essentially tracks market volatility. If you ever get a chance to look at it, it's kind of exciting, kinda cool, but it works in The US stock market, essentially. But whenever the VIX index is over 20%, it means that over the next thirty days, you can expect high volatility. And in Yep. around March, it got up to 31.65%. So it was pretty high. But whenever the VIX index goes down under 20%, it's an indicator that markets are gonna be fairly stable for the next sort of thirty days. So if you're ever sort of looking at things and hearing a lot of in the news of what's happening there, you always welcome to pull up the VIX index and have a bit of a look at where it's tracking and what it's sort of doing over the past, you know, couple of days, Yep. So what and it what were kinda the gives numbers you again? an index. So Yep. 20% is kind of the the the line of where you go from volatility to stable. Yeah. Righto. So twenty's like like, anything over 20, you're expecting a little bit of volatility. And below Yep. that yeah. You're Righto. expecting some stability. Yeah. Yep. Yeah. Yeah. It's Righto. just a really cool indicator of kind of being usually, like, some of the indicators that we use to sorta help everyone so that people have got something they can kinda go to or a little bit of guidance there. Part of my job is not just about, you know, making money for you.","start_word":4143,"end_word":4452,"sentiment":"neutral","sentiment_score":0.1503562919555172},{"text":"I do enjoy the educational value as well and, you know, utilizing and passing on some of the knowledge that I've been able to obtain.","start_word":4453,"end_word":4477,"sentiment":"positive","sentiment_score":0.43407002091407776},{"text":"So, Yep.","start_word":4478,"end_word":4479,"sentiment":"neutral","sentiment_score":0.2926276922225952},{"text":"yes, it's kinda cool to have a look at, especially when you're hearing a lot of the news or people saying that things are going up and down.","start_word":4480,"end_word":4507,"sentiment":"positive","sentiment_score":0.3638566136360169},{"text":"It just gives you another sort of point to have a look at if you ever wanted to. Okay. Yes. Yes. So so Easy. just Yeah. going back a Sure. step, the Sure. 1.1% that we like, fees that we pay, Yep. and that's and that is that capped at 500,000 Six or 100,000. 600? Yep. Okay. Yep.","start_word":4508,"end_word":4565,"sentiment":"neutral","sentiment_score":0.11471307277679443},{"text":"Beautiful.","start_word":4566,"end_word":4566,"sentiment":"positive","sentiment_score":0.4726787805557251},{"text":"Yep. Yep. So 600,000. So if we can get your balance up to a million dollars or even higher than that, which would be fantastic, and you've Yep. got plenty of time on your side to be able to do that. Yep. Essentially, That's the we plan. won't be charging 1.1% of that balance there. Yep. That is capped at $600,000. Yep. Yeah. Alright. Yeah.","start_word":4567,"end_word":4631,"sentiment":"neutral","sentiment_score":0.17530594766139984},{"text":"Perfect.","start_word":4632,"end_word":4632,"sentiment":"positive","sentiment_score":0.46366798877716064},{"text":"The other documents we will have in that doc Odoo sign pack for you will just be our updated financial service guide with the outline of everything about who we are, what we do, how we do it. It's got all my licensing information in there for you as well. And then we do also update often just what's called the tax file opt in form. So we like to make sure everyone is aware. We do hold your tax phone number. So we go through every so often and just update the authority on that one, Yep. just making sure that we're keeping everyone's information at the forefront, but making sure you're aware of the information we hold on you as well. Okay? Yeah. Righto. Yep. Yep.","start_word":4633,"end_word":4760,"sentiment":"neutral","sentiment_score":0.10751169919967651},{"text":"Perfect.","start_word":4761,"end_word":4761,"sentiment":"positive","sentiment_score":0.476660817861557},{"text":"Over the next sort of one to two or even five years, do you have any other goals that you're looking to achieve? Or We are looking to move, buy another property. I don't know. Yep. Yep. We yeah. We do need to move. Yep. It's as simple as that. We need to move. We need to buy another property. We'll Yep. be obliged to possibly bought investment property. Yeah. But if we look to move, Yep. it'll be worth more money as such, if that makes sense. Yep. Like, it it Yep. it's going it's going to cost us money to move. Yeah. Of course. Yeah. Yeah. Definitely. Yeah. No. Understandable. Yeah. But yeah. That's probably about it. That's all we're, yeah, looking to do at this stage, Yeah. No. That's I okay. reckon. I'm just having a quick look back at the last back when we did last year as well. You also mentioned maybe upgrading a car as well. Is that something you're sort of looking to do down the track? Yeah. Yep. Yep. Yep. Yep.","start_word":4762,"end_word":4940,"sentiment":"neutral","sentiment_score":0.0016172804171219468},{"text":"Beautiful.","start_word":4941,"end_word":4941,"sentiment":"positive","sentiment_score":0.49093523621559143},{"text":"That's another And retirement thing.","start_word":4942,"end_word":4946,"sentiment":"neutral","sentiment_score":0.241452232003212},{"text":"wise, we're all good.","start_word":4947,"end_word":4950,"sentiment":"positive","sentiment_score":0.33830615878105164},{"text":"And retirement wise, we're still tracking forward to retire, hopefully, at age 60. Yes. For sure. Even earlier Yeah. if I can.","start_word":4951,"end_word":4972,"sentiment":"neutral","sentiment_score":0.16259777545928955},{"text":"Perfect. Nice. Nice.","start_word":4973,"end_word":4975,"sentiment":"positive","sentiment_score":0.58817058801651},{"text":"Well, with 60 at the moment is the earliest they're gonna let you access your super, but, I mean, we can look at other things down the track. We can look at investing outside of super in certain ways to kind of build retire you know, you build access to savings earlier so you can possibly retire earlier. Yep. And then So you've when also got the option of investment property. So sorry. yes. So when can I Yeah. access my Subaru? Am I '60 or am I '67? Or No. '60. '60. 60. Yes. You're right. I thought '6 I'd be zero. right. No. Yeah. Right. I thought I'd be 67. I don't No. know why. No. So Yep. no. That's okay. It's honestly a really common it's a common misconception a lot of people have. So 67 is the age that if you're eligible for to access the age pension, Mhmm. but because a lot of people just refer to as retirement age because a lot of people, especially the older generation, they even this is some generations, they didn't have super. Super wasn't a big thing until the early nineties. So a lot of them are retiring on lower balances Yep. now, and they are having to rely on the government system. Yep. So Yep. for them, 67 isn't so much the age they can access as super, but it's the age that they feel they can retire because it's the age they can access the age pension. But under the legislation requirements, if you stop working at 60, you can access your super wholly completely tax free. Yeah. Right. Yeah.","start_word":4976,"end_word":5249,"sentiment":"neutral","sentiment_score":-0.003317230846732855},{"text":"Beautiful.","start_word":5250,"end_word":5250,"sentiment":"positive","sentiment_score":0.3848367929458618},{"text":"Yeah.","start_word":5251,"end_word":5251,"sentiment":"neutral","sentiment_score":0.2840154469013214},{"text":"Nice.","start_word":5252,"end_word":5252,"sentiment":"positive","sentiment_score":0.4165548086166382},{"text":"Yeah. Yep. I Sensational.","start_word":5253,"end_word":5256,"sentiment":"neutral","sentiment_score":0.26234015822410583},{"text":"like to give people good news like that.","start_word":5257,"end_word":5264,"sentiment":"positive","sentiment_score":0.4305714964866638},{"text":"Yeah. Yeah. No. That's that's yeah. No. That's that's that's actually made me happy. Probably the only like, the only thing that I really hate is paying tax. Honestly, I hate Absolutely. paying tax. If we can come up with Yeah. some strategies, I don't know what we can do. Potentially, I pay a lot of tax. Yeah. Well, both Jackie and I, we pay a lot of tax, which is great.","start_word":5265,"end_word":5336,"sentiment":"neutral","sentiment_score":-0.04241261258721352},{"text":"If you're paying tax, you're earning money. That's great.","start_word":5337,"end_word":5345,"sentiment":"positive","sentiment_score":0.5704811215400696},{"text":"Yeah. Of course. But I want to reduce paying so much. I don't know how. Yeah. Honestly, That's the best the best way is to do that, and it's a little yeah. bit hard at the moment because of what's happening with the budget, but one of Yeah. the best ways is to be able to negatively give property. So either buying an investment property or buying a new one for yourself Yep. and renting at your current property and being able to negatively gear that. The Yep. only downside is at the moment with the way with what was put out in the budget was that they're only going to if these changes go through as of July next year, you'll only be able to negatively gear as an investor a brand new property, which means you would have to buy a build, like, a new property, build it, Yeah. and then Yep. rent it out to access negative gearing. Yep. We can do, like, investing outside of super through investment portfolios and things like that, but Yep. they don't necessarily reduce your income tax. It actually tends to increase that because you get income and growth out of your investments the Yes. same as the super, and that all has to be included in your personal tax return. So it doesn't actually reduce your tax payable. Yes. Under under the legislation under the tax act, we actually can't provide advice solely for the purpose of reducing tax. That is seen as a tax avoidance measure. But if you're looking That's to disappointing, buy isn't a new it? property, it is actually because that's, I mean, that's the whole reason we tend to do these sorts of things. Yeah. We just have to call it something else. Yeah. But, realistically, like, if you're wanting to be able to build wealth outside of so far, Yep. looking at, say, an investment property is a good way to do that.","start_word":5346,"end_word":5674,"sentiment":"neutral","sentiment_score":-0.11385133862495422},{"text":"You're, you know, building your ad your net assets and growing investments to the future, and property tends to do very well over the longer term there as well.","start_word":5675,"end_word":5703,"sentiment":"positive","sentiment_score":0.47192227840423584},{"text":"Yep. And then if you rent the property out, plus you've got management fees and you've got, you know, you've gotta look after the property as well, so ongoing maintenance costs and things like that. If Yep. the rent you're bringing in just so happens to not cover the cost of the loan repayment or sorry. It's not so much the principal. It's the interest on the loan repayment plus your Mhmm. management fees plus your ongoing maintenance costs, then you've technically negatively geared the property, and Yep. that gives you a tax deduction.","start_word":5704,"end_word":5797,"sentiment":"neutral","sentiment_score":-0.03303533047437668},{"text":"And that works out really well.","start_word":5798,"end_word":5803,"sentiment":"positive","sentiment_score":0.3829389214515686},{"text":"It's one of the best ways to be able to minimize the amount of tax we are paying.","start_word":5804,"end_word":5821,"sentiment":"neutral","sentiment_score":0.26511430740356445},{"text":"But the tough thing at the moment is that with this bill coming in, it's well, if this bill goes through, then it might change the way we are able to negatively Yep.","start_word":5822,"end_word":5854,"sentiment":"negative","sentiment_score":-0.4540403485298157},{"text":"give. So I'm just of the opinion at the moment. Have a think about what you'd like to do. If and when you wanna sort of look at buying a new property, we can put you in touch with a mortgage broker to sort of help you with that. Yep.","start_word":5855,"end_word":5904,"sentiment":"neutral","sentiment_score":-0.009409145452082155},{"text":"But I would be very mindful of just being cautious about doing it now. I'd be waiting to see what happens with this bill to work out whether you buy your forever home and rent the current property out or whether you have to buy a new property to be able to look at negative gearing to benefit you.","start_word":5905,"end_word":5963,"sentiment":"negative","sentiment_score":-0.35364586114883423},{"text":"Does that make sense? Yeah. Yep. Yep. Yeah. There's just I'd so much happening here at the moment. yeah. I probably still need to look at I'd say this year, I'll max out, what would you say, super or, like, when I say max out at 15% tax rate. Yep. Yeah. I should be looking to do that moving forward, I imagine. Keep maxing that Yeah. Yeah. out. Yeah.","start_word":5964,"end_word":6032,"sentiment":"neutral","sentiment_score":-0.034300655126571655},{"text":"Perfect.","start_word":6033,"end_word":6033,"sentiment":"positive","sentiment_score":0.3771366477012634},{"text":"What's the maximum? Is is it up to $30, or is it 27 Yeah. So yeah. So this financial year, you can put in there up to the 30,000. r? Yep. You could also look at utilizing some catch up contributions. I would say utilizing catch up contribution because your balance is a lot higher, once you hit that $500,000 balance as of the July 1, any financial year, you actually lose access to your catch up contributions.","start_word":6034,"end_word":6111,"sentiment":"neutral","sentiment_score":0.00493747008462938},{"text":"So Isn't if good. you wanted to They're really stuffing me around.","start_word":6112,"end_word":6123,"sentiment":"negative","sentiment_score":-0.4703197479248047},{"text":"yeah. If you wanted to, you could send through your catch up contributions, and I can have a look at that for you and work out what you could put in this year to kind of give you a little bit of an extra tax deduction. Yeah. It's probably not as silly as it sounds. No. No. So how do Because I go about working out what my catch up could be? if if you like, I'll send you an email after the call. It'll have instructions on how to access that through your MyGov account. If you Yep. can get a hold of that and send it through Yep. to me, I can have a look at what you've got packed up space. And if you're comfortable do you know how much you would like to know you put in the super? Do you have, like, a lump sum amount you'd be comfortable with? Or So when I say catch up, does that have to go straight from payroll from work, or can I grab money out of the bank and put it in? that's exactly it. So take money out of your bank account, and we transfer it into super, and then we claim a notice of intent against that once it's in super. Yep. Okay. Yeah. Right. There we go.","start_word":6124,"end_word":6346,"sentiment":"neutral","sentiment_score":0.07471054047346115},{"text":"Nice.","start_word":6347,"end_word":6347,"sentiment":"positive","sentiment_score":0.5391749143600464},{"text":"Yeah. Alright. So the way it works you're right. To give you a bit of clarity there, it's called a deductible contribution. So we take money that you've already paid tax on, like, out of your bank account or savings Mhmm. or something like that, you transfer that straight into super. Because looking at your contributions this financial year, you're right on that twenty nine thousand nine six three already. So you're basically capping out with your Yep. contributions Mhmm. Yeah. currently. Yeah. And I've still got another and I've still got another pay to come in, Mhmm. I imagine. Yeah. Are I still you got I'm just looking at your contributions going in. Let's yeah. have a look. Because yeah. Because I'm on salary, and I get paid monthly. Yeah. Okay. So I'll still I'll still have one to come. Yep.","start_word":6348,"end_word":6489,"sentiment":"neutral","sentiment_score":0.09594958372623988},{"text":"Perfect.","start_word":6490,"end_word":6490,"sentiment":"positive","sentiment_score":0.5591505765914917},{"text":"Where are we? So I'm actually here. I'm just having a quick look at your contributions. They tend to go in around the fifteenth of every month. So around about the Yep. fifteenth of next month, you'll have Yep. probably another $1,800 there. So Yes. because your balance was under 500,000 as at the July 1 year, you should still have access to those types of contributions. But if we don't use them this year, you may not get access to them next financial year depending on how your balance goes. I reckon Yeah. you might get one more year out of them, but it just depends upon what the market does as well. But, essentially, with a deductible contribution, we take some money out of your bank account. You've already paid tax on that money, put that into super, and then we claim a notice of intent. That then Yep. means that the super fund about 15% tax. It changes the contribution, and then the amount you put into super, you can claim on your tax return as a bit of a tax deduction.","start_word":6491,"end_word":6675,"sentiment":"neutral","sentiment_score":0.09622184932231904},{"text":"So Yep. it kind of works really well to help reduce your taxable income a bit there as well.","start_word":6676,"end_word":6694,"sentiment":"positive","sentiment_score":0.4859287142753601},{"text":"Yeah. Yeah.","start_word":6695,"end_word":6696,"sentiment":"neutral","sentiment_score":0.2825547754764557},{"text":"Beautiful.","start_word":6697,"end_word":6697,"sentiment":"positive","sentiment_score":0.6343658566474915},{"text":"Well, Yeah. we might look at doing that. So, Yeah. yeah, if you can send me through a word and let us know what I'm gonna do, Yes. because Perfect. I'll probably I'll shoot you to I'll an email. I'll I'll have to get on to that. Yes.","start_word":6698,"end_word":6745,"sentiment":"neutral","sentiment_score":0.1550704538822174},{"text":"Perfect.","start_word":6746,"end_word":6746,"sentiment":"positive","sentiment_score":0.4753556549549103},{"text":"Yeah. We'll need to get it done generally before the last week of June. So I would be wanting to get these sort of done no later than, say, the June 20 to make sure Yep. they all go in because then Yep. the super fund has to process the contributions, and we claim the notice of intent. We can do it straight after, but the notice intent doesn't have to be claimed till after the July 1. It's just getting the contribution Yep. in on time. Yeah. Right So now. yeah. So if you like, I'll send the email straight after this, give you the direction on how to get that information from your MyGov account. If you can Yep. shoot that back to me, I can do some numbers and some playing there for you, and then you can let me know. We can do it without advice to make it quicker where you just transfer the money in and tell me once you've done it, Yep. and I'll just give you some general information around, you know, what that might look like. The tax deduction I mean, you might have other deductions that might help reduce some you know, that you might also be able to provide there, but I can give you some general information on what that looks like. We can get that money in, and then you've got something done before the end of the financial year to help you out a little bit. Yeah.","start_word":6747,"end_word":6997,"sentiment":"neutral","sentiment_score":0.1252371261556785},{"text":"Nice. That sounds Yeah. good. Perfect. Excellent. Perfect. Excellent. Perfect.","start_word":6998,"end_word":7007,"sentiment":"positive","sentiment_score":0.6906331181526184},{"text":"Do you have any other questions or anything else you wanted me to touch base on? Or No. Probably not at this stage. But, yeah, I just want I yeah. No. I just want I just want to talk about, yeah, contributions moving forward. Yep. Do Beautiful. will or do they increase per year? Do they follow inflation and such or anything? Yeah. Not every year. As Yep. of next year, the contributions cap will be increasing by 2,500, so it goes Yep. from 30,000 to 32,500. It tends to do that sort of every two to three years depending on sort of how everything Yep. goes. So Yep. it should be every second year that they increase it in 2,500 increments Yep. unless they change that legislation at all. But they're also increasing the non concessional cut, which is great to a 130,000. So, Yeah. Right. yeah, we've Yeah. got Alright. extra space in other ways if we need to. Okay. Yeah. So we should be looking at maxing it out this year. Mhmm. As I well well, like and putting that extra in. And then next year, probably need to look at salary sacrificing more straight out of We my we can. It just depends on with your increase in income. Just yeah. Have you look at how much you've got going because this year, it looks like you yeah. might just exceed They the cap a little bit with what you've yeah. got. Yeah. Yeah. They they owed me plenty this year, but That's probably where that extra comes from. yeah. Yeah. Because I think you'll see Yep. one yeah. There's one yeah. There's a couple of pay cycles there where I was paid probably more than what I'm usually paid. Yeah. There was. Yeah. Yeah. Yep. So They and owed I think you a bit of back pay. yeah. They owe me a bit of money. Yeah. Anyway There was a nice big $10,000 one that went in there. Yep. Yep. Yep. Yeah. Yep.","start_word":7008,"end_word":7345,"sentiment":"neutral","sentiment_score":0.02406713935772519},{"text":"Perfect. I mean, Yep.","start_word":7346,"end_word":7349,"sentiment":"positive","sentiment_score":0.38182738423347473},{"text":"Bye. we can do it this way each year if you want because, I mean, family sacrifice is good. There are limitations to it. When you think of Yep. it from a tax point of view, making more of a deductible contribution works more in your favor. Mhmm. Even if we can't sort of even if we can't use CACAA contributions moving forward, we can look at what goes in from your employer each year and then around June, work out what you can put in as a lump sum to kind of boost it up to the cap. Yep. And we can do it that way because, I mean, salary sacrifice comes out of your income. Yep. It doesn't provide as big of a deduction, whereas if you were to make, like, a big $10,000 deductible contribution, that Mhmm. $10,000 you can take and claim back on your tax return. So from a Yeah. Right tax now. point of view, the deductible contribution works out more in our favor. Yeah. Right now. Yep. Yeah.","start_word":7350,"end_word":7524,"sentiment":"neutral","sentiment_score":0.07169181108474731},{"text":"Too Beautiful. easy.","start_word":7525,"end_word":7527,"sentiment":"positive","sentiment_score":0.506257951259613},{"text":"Easy. Do you want No. me to, in the email, put a little bit of information on what a deductible contribution is to kinda give you a bit of a breakdown? I know we've talked about a lot of things, so just to Yep. kind of add a bit more detail there for you. Yep. Yeah.","start_word":7528,"end_word":7583,"sentiment":"neutral","sentiment_score":0.06397285199325},{"text":"That'll be sensational, please. Fantastic. Not an issue at all. I'll get those out to you shortly.","start_word":7584,"end_word":7600,"sentiment":"positive","sentiment_score":0.6105942130088806},{"text":"If there's any additional questions or anything else for me, please don't ever hesitate and let me know, Yep. and I'll go back and look at doing that investment switch keeping that high growth environment, remove Ben along, and put something else in place and show you what that looks like. Okay. Yep. Alright.","start_word":7601,"end_word":7654,"sentiment":"neutral","sentiment_score":0.21521885693073273},{"text":"That'll Beautiful. be great. Easy. Thank you so much. I'll let you go, Paula. I hope you have a lovely evening, but thanks for your time.","start_word":7655,"end_word":7680,"sentiment":"positive","sentiment_score":0.6575613021850586},{"text":"No. You too.","start_word":7681,"end_word":7683,"sentiment":"neutral","sentiment_score":0.1813741773366928},{"text":"Thank you.","start_word":7684,"end_word":7685,"sentiment":"positive","sentiment_score":0.5046563148498535},{"text":"No worries. I'll talk to you soon.","start_word":7686,"end_word":7692,"sentiment":"neutral","sentiment_score":0.30188044905662537},{"text":"Thanks.","start_word":7693,"end_word":7693,"sentiment":"positive","sentiment_score":0.5439533591270447},{"text":"Alright. Okay. Bye. See you later. Bye.","start_word":7694,"end_word":7700,"sentiment":"neutral","sentiment_score":0.2070419043302536}],"average":{"sentiment":"neutral","sentiment_score":0.0824207303782234}}}}