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I heard it's gonna get to the thirties tomorrow in Queensland. Not sure of the NT. I know it can get a bit humid. Oh, no. Jeez. Mate, I won't take up too much of your time today, but I've got that updated strategy for you. Will you be able to contact your email with me today? No worries at all. Go for it. Perfect. And you okay for this call to be recorded? Beautiful. Just give me a hoy when you've got a second. I'll go through security with you, and I'll just get that email sent out to you now. Beautiful. Now I'm registered I'm registered with that because it buys a one two seven three one zero five. Can I just get your date of birth and address there, Matt? Mhmm. Sensational. Thanks very much for that, mate. Now that should come through pretty quickly. We have sent you emails from the new system before, so that should go to your main inbox, not your spam folder, and it should be listed as statement of advice. Yeah. No worries. Yeah. I'm still here. Can you hear me alright? Beautiful. Unfortunately, sometimes when we send a whole bunch of supporting documents with it, the the file size can get a bit bigger, so it may take a few seconds. And just to sort of let you know what's going through, so alongside the statement of advice, we always send, like, updated product disclosure statements from the fund, updated service guide with a few few other attachments there as well, but it's mainly the statement of advice here today. Perfect. Now have you managed to open up the documents there? I know if you just hit the purple button, it'll bring them open to scroll through with me first. It doesn't actually sign anything until you do at the end. Beautiful. So it should be a beautiful beachfront city picture of the Gold Coast on that front page there. Is that the one that you can see? Beautiful. Alright. So if you go down to pages three and four, I'll just quickly start with the scope of the advice heading just to make sure that is correct. So just let me know when you can see that one there. It should start off with superannuation. Okay. So the same two things that were on the the portfolio, remove the underperforming investments, and we did have a bit of a chat around a little bit of salary sacrifice as well. Is that one Isabelle? Perfect. Estate planning, I've just included in there a few reminders there in terms of, you know, wills and powers of attorney, things like that, and just making sure it's all going to mining for the super and the insurance. Yep. Perfect. If you have any trouble with that, just give us a bell. It only takes about sixty seconds to run through those type of forms. In terms of the limited scope on the next page, so insurances, we were basically just keeping that going for the time being, but I have factored in the premium into the projections debt management. After that is essentially just cash flow and debt management. We're obviously not giving you advice on what to do with forklift businesses and things like that, equipment finance, land releases, and so on. You're obviously managing that yourself, and this is just focusing on the surface of that. Perfect. Couple of details there. On pages seven, eight, and nine, we've got your about new section, which just lists your mobile number, email, occupation and income, dependents and so on, assets and liabilities. We've just got the home, the cars, the tools, and the offset account listed currently. 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day, Matt. Tommy here from. How are you doing? I'm living the dream. It's a beautiful day today.\n\nWhat about your end? Well, fair enough. I heard it's gonna get to the thirties tomorrow in Queensland. Not sure of the NT. I know it can get a bit humid.\n\nOh, no. Jeez. Mate, I won't take up too much of your time today, but I've got that updated strategy for you. Will you be able to contact your email with me today? No worries at all.\n\nGo for it. Perfect. And you okay for this call to be recorded? Beautiful. Just give me a hoy when you've got a second.\n\nI'll go through security with you, and I'll just get that email sent out to you now. Beautiful. Now I'm registered I'm registered with that because it buys a one two seven three one zero five. Can I just get your date of birth and address there, Matt? Mhmm.\n\nSensational. Thanks very much for that, mate. Now that should come through pretty quickly. We have sent you emails from the new system before, so that should go to your main inbox, not your spam folder, and it should be listed as statement of advice. Yeah.\n\nNo worries. Yeah. I'm still here. Can you hear me alright? Beautiful.\n\nUnfortunately, sometimes when we send a whole bunch of supporting documents with it, the the file size can get a bit bigger, so it may take a few seconds. And just to sort of let you know what's going through, so alongside the statement of advice, we always send, like, updated product disclosure statements from the fund, updated service guide with a few few other attachments there as well, but it's mainly the statement of advice here today. Perfect. Now have you managed to open up the documents there? I know if you just hit the purple button, it'll bring them open to scroll through with me first.\n\nIt doesn't actually sign anything until you do at the end. Beautiful. So it should be a beautiful beachfront city picture of the Gold Coast on that front page there. Is that the one that you can see? Beautiful.\n\nAlright. So if you go down to pages three and four, I'll just quickly start with the scope of the advice heading just to make sure that is correct. So just let me know when you can see that one there. It should start off with superannuation. Okay.\n\nSo the same two things that were on the the portfolio, remove the underperforming investments, and we did have a bit of a chat around a little bit of salary sacrifice as well. Is that one Isabelle? Perfect. Estate planning, I've just included in there a few reminders there in terms of, you know, wills and powers of attorney, things like that, and just making sure it's all going to mining for the super and the insurance. Yep.\n\nPerfect. If you have any trouble with that, just give us a bell. It only takes about sixty seconds to run through those type of forms. In terms of the limited scope on the next page, so insurances, we were basically just keeping that going for the time being, but I have factored in the premium into the projections debt management. After that is essentially just cash flow and debt management.\n\nWe're obviously not giving you advice on what to do with forklift businesses and things like that, equipment finance, land releases, and so on. You're obviously managing that yourself, and this is just focusing on the surface of that. Perfect. Couple of details there. On pages seven, eight, and nine, we've got your about new section, which just lists your mobile number, email, occupation and income, dependents and so on, assets and liabilities.\n\nWe've just got the home, the cars, the tools, and the offset account listed currently. No major changes there from when we last spoke?","paragraphs":[{"sentences":[{"text":"Good day, Matt.","start":4.0,"end":4.72,"sentiment":"positive","sentiment_score":0.425110658009847},{"text":"Tommy here from.","start":4.72,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.18938803672790527},{"text":"How are you doing?","start":6.0,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.25628164038062096},{"text":"I'm living the dream.","start":9.04,"end":9.92,"sentiment":"positive","sentiment_score":0.6823172569274902},{"text":"It's a beautiful day today.","start":9.92,"end":10.96,"sentiment":"positive","sentiment_score":0.7213941931724548}],"sentiment":"positive","sentiment_score":0.48446645470041977,"num_words":19,"start":4.0,"end":10.96},{"sentences":[{"text":"What about your end?","start":10.96,"end":12.099999,"sentiment":"neutral","sentiment_score":0.23433776944875717},{"text":"Well, fair 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you.","start":33.35,"end":37.69,"sentiment":"neutral","sentiment_score":-0.05379625292200791},{"text":"Will you be able to contact your email with me today?","start":38.71,"end":41.29,"sentiment":"neutral","sentiment_score":0.04164248806509105},{"text":"No worries at all.","start":50.405,"end":51.525,"sentiment":"neutral","sentiment_score":-0.014038413297384977}],"sentiment":"neutral","sentiment_score":-0.02444487180862878,"num_words":37,"start":30.71,"end":51.525},{"sentences":[{"text":"Go for it.","start":51.525,"end":52.345,"sentiment":"neutral","sentiment_score":0.0494577611486117},{"text":"Perfect.","start":56.965,"end":57.365,"sentiment":"neutral","sentiment_score":0.246611550450325},{"text":"And you okay for this call to be recorded?","start":57.365,"end":59.0,"sentiment":"neutral","sentiment_score":0.06871144887473848},{"text":"Beautiful.","start":61.94,"end":62.44,"sentiment":"positive","sentiment_score":0.43120452761650085},{"text":"Just give me a hoy when you've got a 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Matt?","start":98.895,"end":101.875,"sentiment":"neutral","sentiment_score":0.03352623417352637},{"text":"Mhmm.","start":107.455,"end":107.955,"sentiment":"neutral","sentiment_score":0.009308027103543282}],"sentiment":"neutral","sentiment_score":0.08612356023216734,"num_words":49,"start":64.58,"end":107.955},{"sentences":[{"text":"Sensational.","start":114.03,"end":114.53,"sentiment":"neutral","sentiment_score":-0.048691071569919586},{"text":"Thanks very much for that, mate.","start":114.829994,"end":116.189995,"sentiment":"positive","sentiment_score":0.8490176598230997},{"text":"Now that should come through pretty quickly.","start":116.189995,"end":118.049995,"sentiment":"positive","sentiment_score":0.7045843005180359},{"text":"We have sent you emails from the new system before, so that should go to your main inbox, not your spam folder, and it should be listed as statement of 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alright?","start":152.755,"end":153.815,"sentiment":"neutral","sentiment_score":0.014077478647232055},{"text":"Beautiful.","start":160.435,"end":160.935,"sentiment":"neutral","sentiment_score":0.2006966769695282}],"sentiment":"neutral","sentiment_score":0.04600439112012585,"num_words":12,"start":141.76999,"end":160.935},{"sentences":[{"text":"Unfortunately, sometimes when we send a whole bunch of supporting documents with it, the the file size can get a bit bigger, so it may take a few seconds.","start":161.555,"end":169.14,"sentiment":"neutral","sentiment_score":-0.11242985674019518},{"text":"And just to sort of let you know what's going through, so alongside the statement of advice, we always send, like, updated product disclosure statements from the fund, updated service guide with a few few other attachments there as well, but it's mainly the statement of advice here today.","start":170.24,"end":186.715,"sentiment":"neutral","sentiment_score":0.0214744648154901},{"text":"Perfect.","start":208.545,"end":209.045,"sentiment":"positive","sentiment_score":0.4384434223175049},{"text":"Now have you managed to open up the documents there?","start":209.745,"end":222.465,"sentiment":"neutral","sentiment_score":0.07373071201145649},{"text":"I know if you just hit the purple button, it'll bring them open to scroll through with me first.","start":222.465,"end":226.62999,"sentiment":"neutral","sentiment_score":0.03586490697374469}],"sentiment":"neutral","sentiment_score":-0.00325030828308728,"num_words":108,"start":161.555,"end":226.62999},{"sentences":[{"text":"It doesn't actually sign anything until you do at the end.","start":226.84999,"end":229.59,"sentiment":"neutral","sentiment_score":-0.01943679136986082},{"text":"Beautiful.","start":237.375,"end":237.69499,"sentiment":"positive","sentiment_score":0.39029717445373535},{"text":"So it should be a beautiful beachfront city picture of the Gold Coast on that front page there.","start":237.69499,"end":241.775,"sentiment":"neutral","sentiment_score":0.22892450872394773},{"text":"Is that the one that you can see?","start":241.775,"end":243.235,"sentiment":"neutral","sentiment_score":0.10698615200817585},{"text":"Beautiful.","start":245.055,"end":245.555,"sentiment":"positive","sentiment_score":0.3451990485191345}],"sentiment":"neutral","sentiment_score":0.14098004848720172,"num_words":39,"start":226.84999,"end":245.555},{"sentences":[{"text":"Alright.","start":245.61499,"end":246.015,"sentiment":"neutral","sentiment_score":0.1759537160396576},{"text":"So if you go down to pages three and four, I'll just quickly start with the scope of the advice heading just to make sure that is correct.","start":246.015,"end":256.57,"sentiment":"neutral","sentiment_score":0.15974601996796473},{"text":"So just let me know when you can see that one 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planning, I've just included in there a few reminders there in terms of, you know, wills and powers of attorney, things like that, and just making sure it's all going to mining for the super and the insurance.","start":282.71,"end":303.38498,"sentiment":"neutral","sentiment_score":0.15724468632386282},{"text":"Yep.","start":303.44498,"end":303.845,"sentiment":"neutral","sentiment_score":0.24023543298244476}],"sentiment":"neutral","sentiment_score":0.09258498879483877,"num_words":78,"start":267.565,"end":303.845},{"sentences":[{"text":"Perfect.","start":303.845,"end":304.345,"sentiment":"positive","sentiment_score":0.4265473783016205},{"text":"If you have any trouble with that, just give us a bell.","start":304.485,"end":306.645,"sentiment":"neutral","sentiment_score":0.06817850780983765},{"text":"It only takes about sixty seconds to run through those type of forms.","start":306.645,"end":310.0,"sentiment":"neutral","sentiment_score":0.041928791655943945},{"text":"In terms of the limited scope on the next page, so insurances, we were basically just keeping that going for the time being, but I have factored in the premium into the projections debt management.","start":312.38,"end":334.115,"sentiment":"neutral","sentiment_score":-0.04825338731919016},{"text":"After that is essentially just cash flow and debt management.","start":334.31,"end":337.29,"sentiment":"neutral","sentiment_score":-0.08881923407316208}],"sentiment":"neutral","sentiment_score":-0.011088692019103279,"num_words":71,"start":303.845,"end":337.29},{"sentences":[{"text":"We're obviously not giving you advice on what to do with forklift businesses and things like that, equipment finance, land releases, and so on.","start":338.07,"end":346.95,"sentiment":"neutral","sentiment_score":-0.15950544426838556},{"text":"You're obviously managing that yourself, and this is just focusing on the surface of 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This is Matt. Hello? Good. Thanks. And yourself? Yeah. It's not too bad. A bit warm. Oh, yeah. It's above 30 every day. It's the humidity starting to come. And the aircon in my car just shit itself this morning, so it's been a bit warm driving around. Yep. Yep. I just need to go and grab my phone charger out of another room because that's pretty low at the moment. Just giving me a warning, and I will throw it on charge while we're talking. Yeah. That's fine. Yep. You there? My date of birth is 07/09/1984. My address is 34 Cod Crescent, Malak, N T. Alright. Just two seconds. I'm just trying to get you on my headphones. You you there? Yeah. I can hear you. I haven't got it yet. I was just just waiting for it to refresh again. Yep. Alrighty. Still just trying to do it. Here we go. Alrighty. Alright. Yep. It's open. Yep. Scrubber Plus considered superannuation. Yes. Yeah. I think I've got a a letter actually yesterday, which will be probably documented on it. But Yep. Yep. That's fine. Yeah. Yeah. An offset account has changed. 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This is Matt.\n\nChannel 0: Good day, Matt.\n\nChannel 1: Hello?\n\nChannel 0: Tommy here from. How are you doing?\n\nChannel 1: Good. Thanks. And yourself?\n\nChannel 0: I'm living the dream. It's a beautiful day today. What about your end?\n\nChannel 1: Yeah. It's not too bad. A bit warm.\n\nChannel 0: Well, fair enough. I heard it's gonna get to the thirties tomorrow in Queensland. Not sure of the NT. I know it can get a bit humid.\n\nChannel 1: Oh, yeah. It's above 30 every day. It's the humidity starting to come. And the aircon in my car just shit itself this morning, so it's been a bit warm driving\n\nChannel 0: Oh, no.\n\nChannel 1: around.\n\nChannel 0: Jeez. Mate, I won't take up too much of your time today, but I've got that updated strategy for you.\n\nChannel 1: Yep.\n\nChannel 0: Will you be able to contact your email with me today?\n\nChannel 1: Yep. I just need to go and grab my phone charger out of another room because that's pretty low at the moment. Just giving me\n\nChannel 0: No worries\n\nChannel 1: a\n\nChannel 0: at\n\nChannel 1: warning,\n\nChannel 0: all. Go for\n\nChannel 1: and\n\nChannel 0: it.\n\nChannel 1: I will throw it on charge while we're talking.\n\nChannel 0: Perfect. And you okay for this call to be recorded?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Beautiful. Just give me a hoy when you've got a second. I'll go through security with you, and I'll just get that email sent out to you now.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: You\n\nChannel 0: Now\n\nChannel 1: there?\n\nChannel 0: I'm registered I'm registered with that because it buys a one two seven three one zero five. Can I just get your date of birth and address there, Matt?\n\nChannel 1: My date of birth is 07/09/1984.\n\nChannel 0: Mhmm.\n\nChannel 1: My address is 34 Cod Crescent, Malak, N T.\n\nChannel 0: Sensational. Thanks very much for that, mate. Now that should come through pretty quickly. We have sent you emails from the new system before, so that should go to your main inbox, not your spam folder, and it should be listed as statement of advice.\n\nChannel 1: Alright. Just two seconds. I'm just trying to get you on my headphones.\n\nChannel 0: Yeah. No worries.\n\nChannel 1: You you there?\n\nChannel 0: Yeah. I'm still here. Can you hear me alright?\n\nChannel 1: Yeah. I can hear you. I haven't got it yet. I was just just waiting for it to refresh again.\n\nChannel 0: Beautiful. Unfortunately, sometimes when we send a whole bunch of supporting documents with it, the the file size can get a bit bigger, so it may take a few seconds. And\n\nChannel 1: Yep.\n\nChannel 0: just to sort of let you know what's going through, so alongside the statement of advice, we always send, like, updated product disclosure statements from the fund, updated service guide with a few few other attachments there as well, but it's mainly the statement of advice here today.\n\nChannel 1: Alrighty. Still just trying to do it.\n\nChannel 0: Perfect. Now\n\nChannel 1: Here we go. Alrighty.\n\nChannel 0: have you managed to open up the documents there? I know if you just hit the purple button, it'll bring them open to scroll through with me first. It doesn't actually sign anything until you do at the end.\n\nChannel 1: Alright. Yep. It's open.\n\nChannel 0: Beautiful. So it should be a beautiful beachfront city picture of the Gold Coast on that front page there. Is that the one that you can see?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Alright. So if you go down to pages three and four, I'll just quickly start with the scope of the advice heading just to make sure that is correct. So just let me know when you can see that one there. It should start off with superannuation.\n\nChannel 1: Scrubber Plus considered superannuation.\n\nChannel 0: Okay. So the same two things that were on the the portfolio, remove the underperforming investments, and we did have a bit of a chat around a little bit of salary sacrifice as well. Is that one Isabelle?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Estate planning, I've just included in there a few reminders there in terms of, you know, wills and powers of attorney, things like that, and just making sure it's all going to mining for the super and the\n\nChannel 1: Yeah. I think I've got a a letter actually yesterday, which will be probably documented on\n\nChannel 0: insurance. Yep. Perfect. If you have any trouble with that, just give us a bell. It only takes about sixty seconds to run through those type\n\nChannel 1: it.\n\nChannel 0: of forms.\n\nChannel 1: But Yep.\n\nChannel 0: In terms of the limited scope on the next page, so insurances, we were basically just keeping that going for the time being, but I have factored in the premium into the projections debt management. After that is essentially just cash flow and debt management. We're obviously not giving you advice on what to do with forklift businesses and things like that, equipment finance, land releases, and so on. You're obviously managing that yourself, and this is just focusing on the surface of that.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. Couple of details there. On pages seven, eight, and nine, we've got your about new section, which just lists your mobile number, email, occupation and income, dependents and so on, assets and liabilities. We've just got the home, the cars, the tools, and the offset account listed currently.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: No major changes there from when we last spoke?\n\nChannel 1: An offset account has changed. So my offset","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.68,"sentiment":"neutral","sentiment_score":0.05038926005363464},{"text":"This is Matt.","start":1.68,"end":2.58,"sentiment":"neutral","sentiment_score":0.06628626585006714}],"sentiment":"neutral","sentiment_score":0.062312014400959015,"channel":1,"num_words":4,"start":1.4399999,"end":2.58},{"sentences":[{"text":"Good day, Matt.","start":4.0,"end":4.72,"sentiment":"positive","sentiment_score":0.425110658009847}],"sentiment":"positive","sentiment_score":0.425110658009847,"channel":0,"num_words":3,"start":4.0,"end":4.72},{"sentences":[{"text":"Hello?","start":4.72,"end":5.22,"sentiment":"neutral","sentiment_score":0.2284872829914093}],"sentiment":"neutral","sentiment_score":0.2284872829914093,"channel":1,"num_words":1,"start":4.72,"end":5.22},{"sentences":[{"text":"Tommy here from.","start":4.72,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.18938803672790527},{"text":"How are you 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Mate, I won't take up too much of your time today, but I've got that updated strategy for you. Yep. Will you be able to contact your email with me today? Yep. I just need to go and grab my phone charger out of another room because that's pretty low at the moment. Just giving me No worries a at warning, all. Go for and it. I will throw it on charge while we're talking. Perfect. And you okay for this call to be recorded? Yeah. That's fine.","start_word":28,"end_word":189,"sentiment":"neutral","sentiment_score":-0.04659568890929222},{"text":"Beautiful.","start_word":190,"end_word":190,"sentiment":"positive","sentiment_score":0.43120452761650085},{"text":"Just give me a hoy when you've got a second. I'll go through security with you, and I'll just get that email sent out to you now. Yep. Beautiful. You Now there? I'm registered I'm registered with that because it buys a one two seven three one zero five. Can I just get your date of birth and address there, Matt? 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It's open.","start_word":449,"end_word":496,"sentiment":"neutral","sentiment_score":0.05557739734649658},{"text":"Beautiful.","start_word":497,"end_word":497,"sentiment":"positive","sentiment_score":0.39029717445373535},{"text":"So it should be a beautiful beachfront city picture of the Gold Coast on that front page there. Is that the one that you can see? Yep.","start_word":498,"end_word":524,"sentiment":"neutral","sentiment_score":0.18579469621181488},{"text":"Beautiful.","start_word":525,"end_word":525,"sentiment":"positive","sentiment_score":0.3451990485191345},{"text":"Alright. So if you go down to pages three and four, I'll just quickly start with the scope of the advice heading just to make sure that is correct. So just let me know when you can see that one there. It should start off with superannuation. Scrubber Plus considered superannuation. Okay. So the same two things that were on the the portfolio, remove the underperforming investments, and we did have a bit of a chat around a little bit of salary sacrifice as well. Is that one Isabelle? Yes.","start_word":526,"end_word":615,"sentiment":"neutral","sentiment_score":0.10301627566417058},{"text":"Perfect.","start_word":616,"end_word":616,"sentiment":"positive","sentiment_score":0.5953104496002197},{"text":"Estate planning, I've just included in there a few reminders there in terms of, you know, wills and powers of attorney, things like that, and just making sure it's all going to mining for the super and the Yeah. I think I've got a a letter actually yesterday, which will be probably documented on insurance. Yep.","start_word":617,"end_word":672,"sentiment":"neutral","sentiment_score":0.14465364813804626},{"text":"Perfect.","start_word":673,"end_word":673,"sentiment":"positive","sentiment_score":0.4265473783016205},{"text":"If you have any trouble with that, just give us a bell. It only takes about sixty seconds to run through those type it. of forms. But Yep. In terms of the limited scope on the next page, so insurances, we were basically just keeping that going for the time being, but I have factored in the premium into the projections debt management. After that is essentially just cash flow and debt management. We're obviously not giving you advice on what to do with forklift businesses and things like that, equipment finance, land releases, and so on. You're obviously managing that yourself, and this is just focusing on the surface of that. Yep. That's fine.","start_word":674,"end_word":788,"sentiment":"neutral","sentiment_score":-0.030961336567997932},{"text":"Perfect.","start_word":789,"end_word":789,"sentiment":"positive","sentiment_score":0.499006986618042},{"text":"Couple of details there. On pages seven, eight, and nine, we've got your about new section, which just lists your mobile number, email, occupation and income, dependents and so on, assets and liabilities. We've just got the home, the cars, the tools, and the offset account listed currently. Yeah. Yeah. No major changes there from when we last spoke? An offset account has changed. So my offset","start_word":790,"end_word":856,"sentiment":"neutral","sentiment_score":0.0910432600040934}],"average":{"sentiment":"neutral","sentiment_score":0.06907644817724774}}}}