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And it shouldn't take too long today either. No. That's okay. It shouldn't take too long today either. It is a pretty quick one. But just like usual, just need to let you know that our calls are being recorded for coaching and and training purposes, if that's okay. Perfect. And even though I can hear that it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please? Sure. Perfect. Just let yes. Perfect. Just let me know when you have adjusted the the phone. And Yeah. Sure. Yes. I can hear you. Can you hear me okay? Yeah. Perfect. So, essentially, pretty quick one. We have I've had heard back from the insurers after the preassessment to see if we could have a look at that for my insurance for you. Do you remember that? Yeah. Yeah. Perfect. So I have heard back from all the insurers, and they all have said that at the moment, they are not willing to offer cover. It doesn't mean that we can't look at it down the track. But simply right now, if there is more than kind of three things happening, they just don't really offer anything at the moment. So yeah. So, unfortunately, we can't get from it right now, but it doesn't mean that we can't reassess it again at next annual review or if anything changes health wise for you. Sometimes it's also just a matter of a time frame. Sometimes if a bit a bit longer, they're happy to do it. So, yeah, unfortunately, at the moment, we can't apply for at least we looked at it, and we know which is great. And I'll make a little note that, you know, if anything changes or next time we talk, we can kind of just reassess that because it doesn't mean that we'll never get it. It's just not right now. Yeah. Perfect. Yeah. Yeah. Let me have a look. So, yes, you do. You're very much through. So you still you still have your towel. Now towel, we didn't do this pre assessment with them. Sorry. We just kind of did it as a blind, so they don't know anything. Because your, yeah, because your tel cover, it is underwritten already, that's safe place. So if anything, you know, you need to claim on anything recent or whatever it might be, you are still covered. So you still have about 323,000 worth of life and PCD if something were to happen. Yeah. Yeah. Yeah. Yeah. Yeah. Exactly. Yeah. Yeah. Yeah. And then you rather you rather have the peace of mind that if you need a bit of assistance from an insurance policy, if something were to happen, hopefully, it doesn't, but if it is, you at least have that. Yeah. Exactly. If you need to claim, do you mean, or what do you mean? Yes and no. So, no, there's no fee. We don't charge you don't pay anything for the insurances at all. We do get commissions from the insurers, so maybe that was it, which is, yeah, which is just 22% of the premium. But that is paying us. It has not you don't pay for it at all. It is just their kind of it's just a process because for the yeah. And it's like because as a client, you can't go to them directly and some liability point of stuff like that, tell and all insurance. And it's the same for every provider out there. So whichever provider you would go with, it is exactly the same. It's the same for every single adviser. And it's, again, Pell paying us is not you paying us. So it doesn't impact, you know, your premium or anything like that. Yeah. Yeah. No. So, yeah, there's no changes in that. And, obviously, because the do the premium does get more expensive the older you get because there is a higher risk, obviously, we can always reassess that. So if it is that you feel like it's getting expensive, at the moment, it's still quite affordable. It's about a thousand dollars, 99. So it's still quite affordable for what you have. But if, you know, next time you review, you feel like, okay. It's gone up a little bit. We can always reduce that depending on what is happening. But then if there is a chance that you needed, you also wanna make sure that, you know, you have cover in place. Yeah. Yeah. Yes. Yes. Correct. Because what what what would happen with new cover is that they would put so every time there is a preexisting condition, they will place something that's called an exclusion on the policy or a loading. An exclusion means that they are actually taking away something that you're not covered for. So if there is a if you have neck pain or, you know, any mental health or nerve, anything, the insurance will say it's too high of a risk. We're not covering that, which then kind of at the moment, you have more cover. So we wanna make sure that if something were to happen, especially if there is something going on, you are covered for those things. Yeah. For car insurance, do you mean? Car insurance? Yeah. I for this for for personal risk insurance, yes. Car insurance is general insurance, it is a little bit different. So I'm not sure with if you need to claim on, like, a car or something like that. But for this yeah. So if it was that we went through these questions, for example, and you said, no. I don't have any issues. You get cover, and then you need to claim on something. They will request some medical reports. And if that then shows you that, hey. You were being, you know, not truthful, what they can then do is, okay. Well, you haven't been honest when making your declaration so they can actually cancel the cover, and then you've paid for something you can't claim on. So Exactly. Yeah. So it is important to be truthful because we wanna make sure that there is no gray area that if you need to claim on anything, it's, you know, all set. But it is a good question. 100 percent. 100%. Because we have seen instances where people have said, unfortunately, like, no. No. No. It's all good. And then something happens. And it was like, okay. Well, if you were honest, then with time, sometimes you can remove an exclusion and you would be covered. But even though it happened, let's say, ten years ago, but at the time you applied for it, you weren't honest, they can still cancel it because they have an out. So we definitely wanna be honest with everything so you have cover. Because the last thing we want is for you for paying for something, and then the insurers are gonna back out because that obviously defeats the purpose of protecting you. Yeah. No. That's okay. Do you have any other questions with the insurances otherwise, Dilly? No? Perfect. The other thing while I do have you on the phone, it was just to see because your the SOA that we went through in January actually expired three days ago. The, you know, the recommendation we went through in January that has just it was a bit of everything. So we talked about swapping some of your super investments to a little bit better performing one. We did also had the the child investment in there. Now I can potentially see if I can get at the managers to approve if you sign it. But what are your thoughts? Because you can make variations. If you don't want the child bond and you only wanted to sue, but that's okay. There is no pressure on whatever you wanted to do. Or if you didn't wanna do anything, that's also okay. Yeah. It is it is a good exactly. It is it is a tricky thing because you don't obviously have a crystal ball. You don't know what's going to happen. But it is kind of like you said that that while prices are down, it is potentially a good time to buy while it is down because that means you can also buy at a discount. It also means though that you have to be okay with a bit of fluctuation because in the last twelve months, there have been a bit of fluctuation. Even if it's more of a long term investment, long term not too concerned because the investments and everything we have selected are based on more your your fundamental. And if there were kind of structural issues, it's always something you can review anyway. So it's not like if we choose one investment that we foresee it not being too good, then we can always change it. That still goes for the investment bond. But at the same time, because, obviously, interest and everything is going up, a lot of people are struggling with cash flow and stuff like that. So it's also dependent on how you feel. Because if you feel like you're a bit worried about, you know, bills and expenses and you wanna hold off with the investment bond until it's a bit more settled, that's also perfectly fine. Yeah. Yeah. Yes. And we could reassess it. Yeah. Yeah. Yeah. Yeah. Yes. Yeah. That's okay. How how much time do you think you'd need? Just because it has expired, so, technically, it would mean we'd have to redo everything. If it's if we're just ignoring, obviously, the the investment bond for now, we can reassess that at your annual review, which is coming up, you know, a bit later in the year. We can always see how things are looking then. If it's more just yeah. Yeah. Yeah. Yeah. We can do that. So I can just put a pause on this right now. And then we do have I mean, if you change your mind at any point, you can always let me know. Otherwise, we do have your annual review coming up in around July. If you wanted to bring it no. But if it was that you wanted to bring it forward, just give me a call or send me an email. We can definitely bring it forward. Otherwise, we can leave everything for now because if you haven't had time either, I don't wanna stress you as well. We wanna make sure you take your time. Yeah. And we can always reassess it then, through some update to the device and maybe other things have changed, so we wanna swap some other things out. But at least it it gives us a bit of time. So if you're happy with that, I'll make a note that we'll just leave it for now and then touch base. If we don't hear from you, we'll touch base around July and then do an interview and kind of see where everything's at and if we then wanted to look at making some changes. Yeah. Let me have a look into your account. Let me see here. So some it's one of those things that some investments, like your defensive investments, are still kind of doing okay in a your like, some of your defensive investments are still doing okay. But let me see if I can just pull this up for you. Just bear with me. And it's one of those things as well that some investments when it is kind of are sometimes benefiting from, you know, different things, whereas others, not so much. So, essentially, for you, there is only two investments that's down, and that is your Benelon Australian Equities, which is the one we were kind of focusing on switching for you. That one is down 23%. Now this is in a twelve month period. The other one is your beta shares global cybersecurity, and that is pretty and that's about 11% in twelve months after fees as well. Yeah. So the cyber the when I did research on your super investments, I did very much suggest that we should swap Bennelong. Now I did, just for your reference, with the invest because that was the only thing we were doing. So I do think swapping because Bennitude a lot of the research, the Bennelong investment originally was really good. More recently, we have seen that I don't think it's going to be the best opportunity moving forward with Bennelong. Now with with, which is the only thing we were swapping out, Now that was the investment. So what we were doing was to just rebalance your portfolio a little bit, keeping all the investments, and we were only swapping Benelon for another option that has performed a bit better, and that was Affinity. Okay. Okay. Now in in order for me to do that change, I do need you to sign the document to authorize it. So what I can do is do you still have access to it? Otherwise, I can while I have you on the phone, I can see if I can resend it, and then I will guide you to making a note to say that we're leaving the investment bond for now. Because you can make that on the document just to say that you don't want to go ahead with that, and we can leave that for now and only literally changing the investment. Because I do think as well from the reasons that Benelon has underperformed, so I think it is good to get out of that. The cybersecurity, I'm not too concerned about because it's a bit more of like a cyclical what is going on. The tech industry as a whole has seen a bit of fluctuations, but even the the tech space, long term AI technology, there is so many opportunities in that space long term. It is just kind of a bit of a a bump on that. But the Benelon we do to see so let me see if I can find the document. Alright. So I can resend this here for you. And Yeah. And I will speak to management and say because we're literally only changing that investment, we and there's nothing major that's changed for you, then I'm sure I can get approval to just make that switch, especially sooner rather than later for you. And especially if we're leaving the investment bonds, we're not doing any other changes. So yeah. So I've just I've just sent that to you. Yeah. Perfect. I I I will show you as other investment I'm talking about. And this document, you have access to with spouse. If you have any question, let me know. But, literally, the only change was that Benelung investment through an alternative option. Now let me so when you click on the documents, you should see statement of advice. Can you see that? Yep. Now if you wanna scroll down to me or for me to page 16. And it should see a heading where it says recommended investment. Investment? Yes. Exactly. So what you can kind of see here is a lot of it the red is what we are rebalancing for you. So just basically bringing it back to the risk profile. We're not changing any of those investments. The only one we are completely selling out of is your Benelung Australian equity, which is the second one from the bottom where it says 0%. Can you see that? Yeah. That is the only one we are are that that is the only one we are selling. Sorry. No. That is just that's just the money we are selling. The only reason it's red is because we are selling it. It's it's not because it's lost. Yeah. No. No. And then the one underneath bend along is that we're swapping it for. So we're basically swapping the those across. And it's very similar, still focusing on the Australian equity. It's just another option. Now if you wanna scroll up just so you can see it again, scroll up to page 12 for me. Investment returns recommended, like the table with the numbers. Yes. Because of the the cover page. Yeah. So no. That's okay. Now, basically, we're just making that investment switch. You will see that the fees are a bit cheaper, so it's about $777 cheaper, which is good. And then if you look at where it's just the five year rolling average, that's the performance on the portfolio, and that is using your five year rolling average. So making the switch, again, just kind of getting out of Bennelong makes it cheaper, but it improves the return. So that is literally what we are if you're happy to do that, then I think doing that change is good. And then so, basically, if you wanna click it should say sign now, but I'll get you to write the the variations as well just with the investment bond to say that we don't wanna do that right now. Does it allow you so let me know how you go because it can be a bit tricky. Yep. Yes. Yes. Does it allow you to type anything there? Perfect. So here is where you can type you can type it in your own words, but to just say that you don't want to proceed with the child investment at this stage, something along those lines, and that's all I need to to let the team know that we're not doing that, and we can reassess it later. But we can still go ahead with just the super switch alone. The child investment bond. Yep. Yep. Exactly. You can just do just the investment, just the super swaps. And then we can go through that that for you so we can get them out of the way. And when you have added the signature and the date, does it say, like, finish or complete or something like that? Yep. Perfect. Perfect. Sometimes it does take a oh, actually, no. It has come through already, which is great. So I will make a note on my end as well to say we're leaving the investment bond for now when it's a bit more certainty in the market, which even in July, we might have a bit more, and we can always reassess it at the annual review. But like I said, if anything changes and you wanna look at it sooner, by all means, just send me an email or give me a call, and we can always do it sooner. But if not, it's not too far away as well, and it gives us a good chance to kind of review everything for you. Yeah. No. Sorry. We always keep a copy on file for everything. So if at any point in time you want a separate copy, we can send it through. It's always saved in your order like, in your Odoo account. Everything that you have signed is in there as well. So we always keep a copy on file. So if you do you want us to email anything to you if you struggle to download it? Or yeah. Yeah. Yep. Perfect. Yes. So let me see if I can get it from here. And would you like us to go ahead and make that change for you, or do you want any oh, did you need just the information to make the contribution or to make that notice of intent? Do do you know exactly all the information? Because I can get the team to send you all the reports, or I can see if I can find the old email and get the team to resend the new thing. Okay. Okay. Okay. Okay. That's if it changes, though, and you do talk to him and he he needs anything, just send me an email or just call the office and say, hi. I need these documents, and we can always just email it to you as well if if he does change and you do need them. Yep. Perfect. So that's okay. Now I will let you go and enjoy the rest of your evening. Do you have any other questions before I let you go at this point, Jaylene? No? No. That is oh, that is not. Thank you. I'm happy. And I'm here for anything you know, if you do need anything, just a phone call or an email. I'm more than happy to just have a bit of a catch up if you do need anything. Yeah. You yes. So almost at the end. But, yes, thank you so much. Just lovely speaking to you. Anything you need anything else, just give me a call. You too. We'll speak soon. Okay. 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Hi, Jolene. How are you? Good. Thanks.\n\nI just had you booked in for a bit of a catch up. Is now still a good time? Yeah. Yeah. That's okay.\n\nNo. That's okay. And it shouldn't take too long today either. No. That's okay.\n\nIt shouldn't take too long today either. It is a pretty quick one. But just like usual, just need to let you know that our calls are being recorded for coaching and and training purposes, if that's okay. Perfect. And even though I can hear that it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please?\n\nSure. Perfect. Just let yes. Perfect. Just let me know when you have adjusted the the phone.\n\nAnd Yeah. Sure. Yes. I can hear you. Can you hear me okay?\n\nYeah. Perfect. So, essentially, pretty quick one. We have I've had heard back from the insurers after the preassessment to see if we could have a look at that for my insurance for you. Do you remember that?\n\nYeah. Yeah. Perfect. So I have heard back from all the insurers, and they all have said that at the moment, they are not willing to offer cover. It doesn't mean that we can't look at it down the track.\n\nBut simply right now, if there is more than kind of three things happening, they just don't really offer anything at the moment. So yeah. So, unfortunately, we can't get from it right now, but it doesn't mean that we can't reassess it again at next annual review or if anything changes health wise for you. Sometimes it's also just a matter of a time frame. Sometimes if a bit a bit longer, they're happy to do it.\n\nSo, yeah, unfortunately, at the moment, we can't apply for at least we looked at it, and we know which is great. And I'll make a little note that, you know, if anything changes or next time we talk, we can kind of just reassess that because it doesn't mean that we'll never get it. It's just not right now. Yeah. Perfect.\n\nYeah. Yeah. Let me have a look. So, yes, you do. You're very much through.\n\nSo you still you still have your towel. Now towel, we didn't do this pre assessment with them. Sorry. We just kind of did it as a blind, so they don't know anything. Because your, yeah, because your tel cover, it is underwritten already, that's safe place.\n\nSo if anything, you know, you need to claim on anything recent or whatever it might be, you are still covered. So you still have about 323,000 worth of life and PCD if something were to happen. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Exactly. Yeah. Yeah.\n\nYeah. And then you rather you rather have the peace of mind that if you need a bit of assistance from an insurance policy, if something were to happen, hopefully, it doesn't, but if it is, you at least have that. Yeah. Exactly. If you need to claim, do you mean, or what do you mean?\n\nYes and no. So, no, there's no fee. We don't charge you don't pay anything for the insurances at all. We do get commissions from the insurers, so maybe that was it, which is, yeah, which is just 22% of the premium. But that is paying us.\n\nIt has not you don't pay for it at all. It is just their kind of it's just a process because for the yeah. And it's like because as a client, you can't go to them directly and some liability point of stuff like that, tell and all insurance. And it's the same for every provider out there. So whichever provider you would go with, it is exactly the same.\n\nIt's the same for every single adviser. And it's, again, Pell paying us is not you paying us. So it doesn't impact, you know, your premium or anything like that. Yeah. Yeah.\n\nNo. So, yeah, there's no changes in that. And, obviously, because the do the premium does get more expensive the older you get because there is a higher risk, obviously, we can always reassess that. So if it is that you feel like it's getting expensive, at the moment, it's still quite affordable. It's about a thousand dollars, 99.\n\nSo it's still quite affordable for what you have. But if, you know, next time you review, you feel like, okay. It's gone up a little bit. We can always reduce that depending on what is happening. But then if there is a chance that you needed, you also wanna make sure that, you know, you have cover in place.\n\nYeah. Yeah. Yes. Yes. Correct.\n\nBecause what what what would happen with new cover is that they would put so every time there is a preexisting condition, they will place something that's called an exclusion on the policy or a loading. An exclusion means that they are actually taking away something that you're not covered for. So if there is a if you have neck pain or, you know, any mental health or nerve, anything, the insurance will say it's too high of a risk. We're not covering that, which then kind of at the moment, you have more cover. So we wanna make sure that if something were to happen, especially if there is something going on, you are covered for those things.\n\nYeah. For car insurance, do you mean? Car insurance? Yeah. I for this for for personal risk insurance, yes.\n\nCar insurance is general insurance, it is a little bit different. So I'm not sure with if you need to claim on, like, a car or something like that. But for this yeah. So if it was that we went through these questions, for example, and you said, no. I don't have any issues.\n\nYou get cover, and then you need to claim on something. They will request some medical reports. And if that then shows you that, hey. You were being, you know, not truthful, what they can then do is, okay. Well, you haven't been honest when making your declaration so they can actually cancel the cover, and then you've paid for something you can't claim on.\n\nSo Exactly. Yeah. So it is important to be truthful because we wanna make sure that there is no gray area that if you need to claim on anything, it's, you know, all set. But it is a good question. 100 percent.\n\n100%. Because we have seen instances where people have said, unfortunately, like, no. No. No. It's all good.\n\nAnd then something happens. And it was like, okay. Well, if you were honest, then with time, sometimes you can remove an exclusion and you would be covered. But even though it happened, let's say, ten years ago, but at the time you applied for it, you weren't honest, they can still cancel it because they have an out. So we definitely wanna be honest with everything so you have cover.\n\nBecause the last thing we want is for you for paying for something, and then the insurers are gonna back out because that obviously defeats the purpose of protecting you. Yeah. No. That's okay. Do you have any other questions with the insurances otherwise, Dilly?\n\nNo? Perfect. The other thing while I do have you on the phone, it was just to see because your the SOA that we went through in January actually expired three days ago. The, you know, the recommendation we went through in January that has just it was a bit of everything. So we talked about swapping some of your super investments to a little bit better performing one.\n\nWe did also had the the child investment in there. Now I can potentially see if I can get at the managers to approve if you sign it. But what are your thoughts? Because you can make variations. If you don't want the child bond and you only wanted to sue, but that's okay.\n\nThere is no pressure on whatever you wanted to do. Or if you didn't wanna do anything, that's also okay. Yeah. It is it is a good exactly. It is it is a tricky thing because you don't obviously have a crystal ball.\n\nYou don't know what's going to happen. But it is kind of like you said that that while prices are down, it is potentially a good time to buy while it is down because that means you can also buy at a discount. It also means though that you have to be okay with a bit of fluctuation because in the last twelve months, there have been a bit of fluctuation. Even if it's more of a long term investment, long term not too concerned because the investments and everything we have selected are based on more your your fundamental. And if there were kind of structural issues, it's always something you can review anyway.\n\nSo it's not like if we choose one investment that we foresee it not being too good, then we can always change it. That still goes for the investment bond. But at the same time, because, obviously, interest and everything is going up, a lot of people are struggling with cash flow and stuff like that. So it's also dependent on how you feel. Because if you feel like you're a bit worried about, you know, bills and expenses and you wanna hold off with the investment bond until it's a bit more settled, that's also perfectly fine.\n\nYeah. Yeah. Yes. And we could reassess it. Yeah.\n\nYeah. Yeah. Yeah. Yes. Yeah.\n\nThat's okay. How how much time do you think you'd need? Just because it has expired, so, technically, it would mean we'd have to redo everything. If it's if we're just ignoring, obviously, the the investment bond for now, we can reassess that at your annual review, which is coming up, you know, a bit later in the year. We can always see how things are looking then.\n\nIf it's more just yeah. Yeah. Yeah. Yeah. We can do that.\n\nSo I can just put a pause on this right now. And then we do have I mean, if you change your mind at any point, you can always let me know. Otherwise, we do have your annual review coming up in around July. If you wanted to bring it no. But if it was that you wanted to bring it forward, just give me a call or send me an email.\n\nWe can definitely bring it forward. Otherwise, we can leave everything for now because if you haven't had time either, I don't wanna stress you as well. We wanna make sure you take your time. Yeah. And we can always reassess it then, through some update to the device and maybe other things have changed, so we wanna swap some other things out.\n\nBut at least it it gives us a bit of time. So if you're happy with that, I'll make a note that we'll just leave it for now and then touch base. If we don't hear from you, we'll touch base around July and then do an interview and kind of see where everything's at and if we then wanted to look at making some changes. Yeah. Let me have a look into your account.\n\nLet me see here. So some it's one of those things that some investments, like your defensive investments, are still kind of doing okay in a your like, some of your defensive investments are still doing okay. But let me see if I can just pull this up for you. Just bear with me. And it's one of those things as well that some investments when it is kind of are sometimes benefiting from, you know, different things, whereas others, not so much.\n\nSo, essentially, for you, there is only two investments that's down, and that is your Benelon Australian Equities, which is the one we were kind of focusing on switching for you. That one is down 23%. Now this is in a twelve month period. The other one is your beta shares global cybersecurity, and that is pretty and that's about 11% in twelve months after fees as well. Yeah.\n\nSo the cyber the when I did research on your super investments, I did very much suggest that we should swap Bennelong. Now I did, just for your reference, with the invest because that was the only thing we were doing. So I do think swapping because Bennitude a lot of the research, the Bennelong investment originally was really good. More recently, we have seen that I don't think it's going to be the best opportunity moving forward with Bennelong. Now with with, which is the only thing we were swapping out, Now that was the investment.\n\nSo what we were doing was to just rebalance your portfolio a little bit, keeping all the investments, and we were only swapping Benelon for another option that has performed a bit better, and that was Affinity. Okay. Okay. Now in in order for me to do that change, I do need you to sign the document to authorize it. So what I can do is do you still have access to it?\n\nOtherwise, I can while I have you on the phone, I can see if I can resend it, and then I will guide you to making a note to say that we're leaving the investment bond for now. Because you can make that on the document just to say that you don't want to go ahead with that, and we can leave that for now and only literally changing the investment. Because I do think as well from the reasons that Benelon has underperformed, so I think it is good to get out of that. The cybersecurity, I'm not too concerned about because it's a bit more of like a cyclical what is going on. The tech industry as a whole has seen a bit of fluctuations, but even the the tech space, long term AI technology, there is so many opportunities in that space long term.\n\nIt is just kind of a bit of a a bump on that. But the Benelon we do to see so let me see if I can find the document. Alright. So I can resend this here for you. And Yeah.\n\nAnd I will speak to management and say because we're literally only changing that investment, we and there's nothing major that's changed for you, then I'm sure I can get approval to just make that switch, especially sooner rather than later for you. And especially if we're leaving the investment bonds, we're not doing any other changes. So yeah. So I've just I've just sent that to you. Yeah.\n\nPerfect. I I I will show you as other investment I'm talking about. And this document, you have access to with spouse. If you have any question, let me know. But, literally, the only change was that Benelung investment through an alternative option.\n\nNow let me so when you click on the documents, you should see statement of advice. Can you see that? Yep. Now if you wanna scroll down to me or for me to page 16. And it should see a heading where it says recommended investment.\n\nInvestment? Yes. Exactly. So what you can kind of see here is a lot of it the red is what we are rebalancing for you. So just basically bringing it back to the risk profile.\n\nWe're not changing any of those investments. The only one we are completely selling out of is your Benelung Australian equity, which is the second one from the bottom where it says 0%. Can you see that? Yeah. That is the only one we are are that that is the only one we are selling.\n\nSorry. No. That is just that's just the money we are selling. The only reason it's red is because we are selling it. It's it's not because it's lost.\n\nYeah. No. No. And then the one underneath bend along is that we're swapping it for. So we're basically swapping the those across.\n\nAnd it's very similar, still focusing on the Australian equity. It's just another option. Now if you wanna scroll up just so you can see it again, scroll up to page 12 for me. Investment returns recommended, like the table with the numbers. Yes.\n\nBecause of the the cover page. Yeah. So no. That's okay. Now, basically, we're just making that investment switch.\n\nYou will see that the fees are a bit cheaper, so it's about $777 cheaper, which is good. And then if you look at where it's just the five year rolling average, that's the performance on the portfolio, and that is using your five year rolling average. So making the switch, again, just kind of getting out of Bennelong makes it cheaper, but it improves the return. So that is literally what we are if you're happy to do that, then I think doing that change is good. And then so, basically, if you wanna click it should say sign now, but I'll get you to write the the variations as well just with the investment bond to say that we don't wanna do that right now.\n\nDoes it allow you so let me know how you go because it can be a bit tricky. Yep. Yes. Yes. Does it allow you to type anything there?\n\nPerfect. So here is where you can type you can type it in your own words, but to just say that you don't want to proceed with the child investment at this stage, something along those lines, and that's all I need to to let the team know that we're not doing that, and we can reassess it later. But we can still go ahead with just the super switch alone. The child investment bond. Yep.\n\nYep. Exactly. You can just do just the investment, just the super swaps. And then we can go through that that for you so we can get them out of the way. And when you have added the signature and the date, does it say, like, finish or complete or something like that?\n\nYep. Perfect. Perfect. Sometimes it does take a oh, actually, no. It has come through already, which is great.\n\nSo I will make a note on my end as well to say we're leaving the investment bond for now when it's a bit more certainty in the market, which even in July, we might have a bit more, and we can always reassess it at the annual review. But like I said, if anything changes and you wanna look at it sooner, by all means, just send me an email or give me a call, and we can always do it sooner. But if not, it's not too far away as well, and it gives us a good chance to kind of review everything for you. Yeah. No.\n\nSorry. We always keep a copy on file for everything. So if at any point in time you want a separate copy, we can send it through. It's always saved in your order like, in your Odoo account. Everything that you have signed is in there as well.\n\nSo we always keep a copy on file. So if you do you want us to email anything to you if you struggle to download it? Or yeah. Yeah. Yep.\n\nPerfect. Yes. So let me see if I can get it from here. And would you like us to go ahead and make that change for you, or do you want any oh, did you need just the information to make the contribution or to make that notice of intent? Do do you know exactly all the information?\n\nBecause I can get the team to send you all the reports, or I can see if I can find the old email and get the team to resend the new thing. Okay. Okay. Okay. Okay.\n\nThat's if it changes, though, and you do talk to him and he he needs anything, just send me an email or just call the office and say, hi. I need these documents, and we can always just email it to you as well if if he does change and you do need them. Yep. Perfect. So that's okay.\n\nNow I will let you go and enjoy the rest of your evening. Do you have any other questions before I let you go at this point, Jaylene? No? No. That is oh, that is not.\n\nThank you. I'm happy. And I'm here for anything you know, if you do need anything, just a phone call or an email. I'm more than happy to just have a bit of a catch up if you do need anything. Yeah.\n\nYou yes. So almost at the end. But, yes, thank you so much. Just lovely speaking to you. Anything you need anything else, just give me a call.\n\nYou too. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Veronica OQ Financial?","start":7.12,"end":9.059999,"sentiment":"neutral","sentiment_score":0.026255798836549122},{"text":"Hi, Jolene.","start":31.550001,"end":32.45,"sentiment":"neutral","sentiment_score":0.21900604665279388},{"text":"How are you?","start":32.510002,"end":33.33,"sentiment":"neutral","sentiment_score":0.2272704541683197},{"text":"Good.","start":36.190002,"end":36.690002,"sentiment":"positive","sentiment_score":0.5353538990020752},{"text":"Thanks.","start":36.83,"end":37.33,"sentiment":"positive","sentiment_score":0.6091243624687195}],"sentiment":"neutral","sentiment_score":0.2343069113790989,"num_words":10,"start":7.12,"end":37.33},{"sentences":[{"text":"I just had you booked in for a bit of a catch up.","start":38.065,"end":40.385,"sentiment":"positive","sentiment_score":0.39412113565665025},{"text":"Is now still a good time?","start":40.385,"end":41.684998,"sentiment":"neutral","sentiment_score":0.3082504868507385},{"text":"Yeah.","start":46.945,"end":47.445,"sentiment":"neutral","sentiment_score":0.05379389226436615},{"text":"Yeah.","start":49.84,"end":50.34,"sentiment":"neutral","sentiment_score":0.13613906502723694},{"text":"That's okay.","start":53.6,"end":54.16,"sentiment":"neutral","sentiment_score":0.16385041922330856}],"sentiment":"neutral","sentiment_score":0.32568310784256976,"num_words":23,"start":38.065,"end":54.16},{"sentences":[{"text":"No.","start":54.16,"end":54.399998,"sentiment":"neutral","sentiment_score":0.04216904193162918},{"text":"That's okay.","start":54.399998,"end":55.039997,"sentiment":"neutral","sentiment_score":0.0862753801047802},{"text":"And it shouldn't take too long today either.","start":55.039997,"end":57.62,"sentiment":"neutral","sentiment_score":0.12878779973834753},{"text":"No.","start":60.8,"end":61.039997,"sentiment":"neutral","sentiment_score":0.041283272206783295},{"text":"That's okay.","start":61.039997,"end":61.86,"sentiment":"neutral","sentiment_score":0.10213630646467209}],"sentiment":"neutral","sentiment_score":0.10646986322743553,"num_words":14,"start":54.16,"end":61.86},{"sentences":[{"text":"It shouldn't take too long today either.","start":62.565,"end":65.365,"sentiment":"neutral","sentiment_score":0.14500072917767934},{"text":"It is a pretty quick one.","start":65.365,"end":66.825,"sentiment":"neutral","sentiment_score":0.18673357367515564},{"text":"But just like usual, just need to let you know that our calls are being recorded for coaching and and training purposes, if that's okay.","start":67.604996,"end":74.265,"sentiment":"neutral","sentiment_score":0.0613833224773407},{"text":"Perfect.","start":76.299995,"end":76.799995,"sentiment":"positive","sentiment_score":0.4073379933834076},{"text":"And even though I can hear that it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start":76.86,"end":83.92,"sentiment":"neutral","sentiment_score":0.09839536194448117}],"sentiment":"neutral","sentiment_score":0.10203033900170615,"num_words":66,"start":62.565,"end":83.92},{"sentences":[{"text":"Sure.","start":92.235,"end":92.735,"sentiment":"neutral","sentiment_score":0.03460409492254257},{"text":"Perfect.","start":104.49,"end":104.99,"sentiment":"neutral","sentiment_score":0.19872070848941803},{"text":"Just let yes.","start":105.369995,"end":107.61,"sentiment":"neutral","sentiment_score":0.07620202501614888},{"text":"Perfect.","start":107.61,"end":108.009995,"sentiment":"neutral","sentiment_score":0.18441501259803772},{"text":"Just let me know when you have adjusted the the phone.","start":108.009995,"end":111.549995,"sentiment":"neutral","sentiment_score":0.11209770088846033}],"sentiment":"neutral","sentiment_score":0.11055415299008875,"num_words":17,"start":92.235,"end":111.549995},{"sentences":[{"text":"And Yeah.","start":112.009995,"end":113.229996,"sentiment":"neutral","sentiment_score":0.08155463263392448},{"text":"Sure.","start":114.645004,"end":115.145004,"sentiment":"neutral","sentiment_score":0.08529169857501984},{"text":"Yes.","start":121.045,"end":121.445,"sentiment":"neutral","sentiment_score":0.048045698553323746},{"text":"I can hear you.","start":121.445,"end":122.165,"sentiment":"neutral","sentiment_score":0.033819498494267464},{"text":"Can you hear me okay?","start":122.165,"end":123.225,"sentiment":"neutral","sentiment_score":0.024911489710211752}],"sentiment":"neutral","sentiment_score":0.04279093114802471,"num_words":13,"start":112.009995,"end":123.225},{"sentences":[{"text":"Yeah.","start":124.725,"end":125.225,"sentiment":"neutral","sentiment_score":0.1377970278263092},{"text":"Perfect.","start":125.525,"end":126.025,"sentiment":"neutral","sentiment_score":0.22205057740211487},{"text":"So, essentially, pretty quick one.","start":126.42,"end":128.81999,"sentiment":"neutral","sentiment_score":0.14433821737766267},{"text":"We have I've had heard back from the insurers after the preassessment to see if we could have a look at that for my insurance for you.","start":128.81999,"end":135.7,"sentiment":"neutral","sentiment_score":0.08853807824629324},{"text":"Do you remember that?","start":135.7,"end":136.84,"sentiment":"neutral","sentiment_score":0.037788218818604946}],"sentiment":"neutral","sentiment_score":0.09534788631687038,"num_words":38,"start":124.725,"end":136.84},{"sentences":[{"text":"Yeah.","start":137.94,"end":138.42,"sentiment":"neutral","sentiment_score":0.033817388117313385},{"text":"Yeah.","start":138.42,"end":138.73999,"sentiment":"neutral","sentiment_score":0.2692056894302368},{"text":"Perfect.","start":138.73999,"end":139.14,"sentiment":"positive","sentiment_score":0.49347180128097534},{"text":"So I have heard back from all the insurers, and they all have said that at the moment, they are not willing to offer cover.","start":139.14,"end":148.16501,"sentiment":"neutral","sentiment_score":-0.22829201370477675},{"text":"It doesn't mean that we can't look at it down the track.","start":149.425,"end":153.04501,"sentiment":"neutral","sentiment_score":-0.1244175670047601}],"sentiment":"neutral","sentiment_score":-0.16009540669620037,"num_words":40,"start":137.94,"end":153.04501},{"sentences":[{"text":"But simply right now, if there is more than kind of three things happening, they just don't really offer anything at the moment.","start":153.10501,"end":161.55,"sentiment":"neutral","sentiment_score":-0.24410643331382587},{"text":"So yeah.","start":162.56999,"end":163.69,"sentiment":"neutral","sentiment_score":-0.0417775334790349},{"text":"So, unfortunately, we can't get from it right now, but it doesn't mean that we can't reassess it again at next annual review or if anything changes health wise for you.","start":163.69,"end":172.185,"sentiment":"neutral","sentiment_score":-0.1457632772864834},{"text":"Sometimes it's also just a matter of a time frame.","start":172.425,"end":174.905,"sentiment":"neutral","sentiment_score":0.023472199449315667},{"text":"Sometimes if a bit a bit longer, they're happy to do it.","start":174.905,"end":177.565,"sentiment":"neutral","sentiment_score":0.04295420118918022}],"sentiment":"neutral","sentiment_score":-0.12136528487556064,"num_words":78,"start":153.10501,"end":177.565},{"sentences":[{"text":"So, yeah, unfortunately, at the moment, we can't apply for at least we looked at it, and we know which is great.","start":178.345,"end":183.405,"sentiment":"neutral","sentiment_score":-0.1959329858760942},{"text":"And I'll make a little note that, you know, if anything changes or next time we talk, we can kind of just reassess that because it doesn't mean that we'll never get it.","start":183.465,"end":191.01001,"sentiment":"neutral","sentiment_score":-0.033070309652072014},{"text":"It's just not right now.","start":191.01001,"end":192.47,"sentiment":"neutral","sentiment_score":-0.25289014875888827},{"text":"Yeah.","start":193.73,"end":194.23,"sentiment":"neutral","sentiment_score":0.06627156585454941},{"text":"Perfect.","start":195.01001,"end":195.51001,"sentiment":"positive","sentiment_score":0.4174228310585022}],"sentiment":"neutral","sentiment_score":-0.09971939120441675,"num_words":62,"start":178.345,"end":195.51001},{"sentences":[{"text":"Yeah.","start":197.73,"end":198.23,"sentiment":"neutral","sentiment_score":0.02225375548005104},{"text":"Yeah.","start":200.785,"end":201.285,"sentiment":"neutral","sentiment_score":0.015590116381645204},{"text":"Let me have a look.","start":209.74501,"end":210.96501,"sentiment":"neutral","sentiment_score":-0.022884845733642578},{"text":"So, yes, you do.","start":211.62001,"end":213.06,"sentiment":"neutral","sentiment_score":0.18889202922582626},{"text":"You're very much through.","start":213.06,"end":214.02,"sentiment":"neutral","sentiment_score":0.19516422972083092}],"sentiment":"neutral","sentiment_score":0.0973096452653408,"num_words":15,"start":197.73,"end":214.02},{"sentences":[{"text":"So you still you still have your towel.","start":214.02,"end":215.8,"sentiment":"neutral","sentiment_score":0.052671530516818166},{"text":"Now towel, we didn't do this pre assessment with them.","start":215.94,"end":218.84001,"sentiment":"neutral","sentiment_score":-0.07231291718780994},{"text":"Sorry.","start":219.46,"end":219.86,"sentiment":"neutral","sentiment_score":-0.07927341759204865},{"text":"We just kind of did it as a blind, so they don't know anything.","start":219.86,"end":222.68001,"sentiment":"neutral","sentiment_score":-0.10796771092074257},{"text":"Because your, yeah, because your tel cover, it is underwritten already, that's safe place.","start":223.22,"end":229.86499,"sentiment":"neutral","sentiment_score":0.2165640007172312}],"sentiment":"neutral","sentiment_score":0.02424080237904762,"num_words":47,"start":214.02,"end":229.86499},{"sentences":[{"text":"So if anything, you know, you need to claim on anything recent or whatever it might be, you are still covered.","start":230.245,"end":235.605,"sentiment":"neutral","sentiment_score":0.06000467354343051},{"text":"So you still have about 323,000 worth of life and PCD if something were to happen.","start":235.605,"end":241.84999,"sentiment":"neutral","sentiment_score":-0.010199032258242369},{"text":"Yeah.","start":243.67,"end":243.83,"sentiment":"neutral","sentiment_score":0.1461867392063141},{"text":"Yeah.","start":243.83,"end":244.33,"sentiment":"neutral","sentiment_score":0.05711689218878746},{"text":"Yeah.","start":246.03,"end":246.53,"sentiment":"neutral","sentiment_score":-0.019076775759458545}],"sentiment":"neutral","sentiment_score":0.032028512097895145,"num_words":40,"start":230.245,"end":246.53},{"sentences":[{"text":"Yeah.","start":248.23,"end":248.73,"sentiment":"neutral","sentiment_score":-0.005125502124428749},{"text":"Yeah.","start":249.11,"end":249.36,"sentiment":"neutral","sentiment_score":-0.006985325366258621},{"text":"Exactly.","start":249.36,"end":249.86,"sentiment":"neutral","sentiment_score":-0.011382976546883585},{"text":"Yeah.","start":263.835,"end":264.335,"sentiment":"neutral","sentiment_score":-0.08626201748847961},{"text":"Yeah.","start":264.635,"end":264.795,"sentiment":"neutral","sentiment_score":-0.007584217004477978}],"sentiment":"neutral","sentiment_score":-0.023468007706105708,"num_words":5,"start":248.23,"end":264.795},{"sentences":[{"text":"Yeah.","start":264.795,"end":265.295,"sentiment":"neutral","sentiment_score":0.013614116236567496},{"text":"And then you rather you rather have the peace of mind that if you need a bit of assistance from an insurance policy, if something were to happen, hopefully, it doesn't, but if it is, you at least have that.","start":266.09,"end":278.59,"sentiment":"neutral","sentiment_score":0.07943337839096784},{"text":"Yeah.","start":279.255,"end":279.755,"sentiment":"neutral","sentiment_score":0.08080147206783295},{"text":"Exactly.","start":281.495,"end":281.995,"sentiment":"neutral","sentiment_score":0.04999566078186035},{"text":"If you need to claim, do you mean, or what do you mean?","start":308.805,"end":312.82498,"sentiment":"neutral","sentiment_score":-0.06698980153753208}],"sentiment":"neutral","sentiment_score":0.04376569579887603,"num_words":56,"start":264.795,"end":312.82498},{"sentences":[{"text":"Yes and no.","start":341.81,"end":343.03,"sentiment":"neutral","sentiment_score":0.07182659457127254},{"text":"So, no, there's no fee.","start":343.09,"end":344.95,"sentiment":"neutral","sentiment_score":0.12766277343034743},{"text":"We don't charge you don't pay anything for the insurances at all.","start":345.17,"end":348.87,"sentiment":"neutral","sentiment_score":0.12983526289463043},{"text":"We do get commissions from the insurers, so maybe that was it, which is, yeah, which is just 22% of the premium.","start":349.33002,"end":360.185,"sentiment":"neutral","sentiment_score":0.08703541332347826},{"text":"But that is paying us.","start":360.64502,"end":362.325,"sentiment":"neutral","sentiment_score":0.07874233345501125}],"sentiment":"neutral","sentiment_score":0.10043207587218507,"num_words":47,"start":341.81,"end":362.325},{"sentences":[{"text":"It has not you don't pay for it at all.","start":362.325,"end":364.64502,"sentiment":"neutral","sentiment_score":0.24231188520789146},{"text":"It is just their kind of it's just a process because for the yeah.","start":364.64502,"end":370.18002,"sentiment":"positive","sentiment_score":0.49492995015212465},{"text":"And it's like because as a client, you can't go to them directly and some liability point of stuff like that, tell and all insurance.","start":370.18002,"end":378.34003,"sentiment":"neutral","sentiment_score":0.15752619594335557},{"text":"And it's the same for every provider out there.","start":378.34003,"end":380.34003,"sentiment":"neutral","sentiment_score":0.20413577391041648},{"text":"So whichever provider you would go with, it is exactly the same.","start":380.34003,"end":383.685,"sentiment":"neutral","sentiment_score":0.25684792920947075}],"sentiment":"neutral","sentiment_score":0.26013843097857065,"num_words":70,"start":362.325,"end":383.685},{"sentences":[{"text":"It's the same for every single adviser.","start":383.685,"end":385.225,"sentiment":"neutral","sentiment_score":0.22979318244116648},{"text":"And it's, again, Pell paying us is not you paying us.","start":386.005,"end":389.525,"sentiment":"neutral","sentiment_score":0.08034194972027432},{"text":"So it doesn't impact, you know, your premium or anything like that.","start":389.525,"end":394.02,"sentiment":"neutral","sentiment_score":0.05019253911450505},{"text":"Yeah.","start":395.53998,"end":396.03998,"sentiment":"neutral","sentiment_score":0.23915733397006989},{"text":"Yeah.","start":397.46,"end":397.96,"sentiment":"neutral","sentiment_score":0.023991659283638}],"sentiment":"neutral","sentiment_score":0.10493041208246723,"num_words":32,"start":383.685,"end":397.96},{"sentences":[{"text":"No.","start":398.81998,"end":399.3,"sentiment":"neutral","sentiment_score":-0.04522854834794998},{"text":"So, yeah, there's no changes in that.","start":399.3,"end":401.62,"sentiment":"neutral","sentiment_score":-0.06015162728726864},{"text":"And, obviously, because the do the premium does get more expensive the older you get because there is a higher risk, obviously, we can always reassess that.","start":401.62,"end":411.58502,"sentiment":"neutral","sentiment_score":-0.08634387522383973},{"text":"So if it is that you feel like it's getting expensive, at the moment, it's still quite affordable.","start":411.58502,"end":415.345,"sentiment":"neutral","sentiment_score":0.11553431923190753},{"text":"It's about a thousand dollars, 99.","start":415.345,"end":417.345,"sentiment":"neutral","sentiment_score":0.11239299178123474}],"sentiment":"neutral","sentiment_score":-0.0007389639583179509,"num_words":59,"start":398.81998,"end":417.345},{"sentences":[{"text":"So it's still quite affordable for what you have.","start":417.345,"end":419.605,"sentiment":"neutral","sentiment_score":0.2975878202252918},{"text":"But if, you know, next time you review, you feel like, okay.","start":419.905,"end":422.625,"sentiment":"neutral","sentiment_score":-0.019470063348611195},{"text":"It's gone up a little bit.","start":422.625,"end":423.57,"sentiment":"neutral","sentiment_score":-0.13713152830799422},{"text":"We can always reduce that depending on what is happening.","start":423.57,"end":426.95,"sentiment":"neutral","sentiment_score":-0.06997064501047134},{"text":"But then if there is a chance that you needed, you also wanna make sure that, you know, you have cover in 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condition, they will place something that's called an exclusion on the policy or a loading.","start":442.995,"end":456.04,"sentiment":"neutral","sentiment_score":-0.1131344781153732},{"text":"An exclusion means that they are actually taking away something that you're not covered for.","start":456.04,"end":460.46002,"sentiment":"neutral","sentiment_score":-0.23704849084218343},{"text":"So if there is a if you have neck pain or, you know, any mental health or nerve, anything, the insurance will say it's too high of a risk.","start":461.08002,"end":470.92502,"sentiment":"neutral","sentiment_score":-0.3303215118317768},{"text":"We're not covering that, which then kind of at the moment, you have more cover.","start":470.92502,"end":475.405,"sentiment":"neutral","sentiment_score":-0.2664826591809591},{"text":"So we wanna make sure that if something were to happen, especially if there is something going on, you are covered for those things.","start":475.405,"end":481.22,"sentiment":"neutral","sentiment_score":-0.12399971423049767}],"sentiment":"neutral","sentiment_score":-0.20320273485003398,"num_words":119,"start":442.995,"end":481.22},{"sentences":[{"text":"Yeah.","start":482.96,"end":483.46,"sentiment":"neutral","sentiment_score":0.10698842257261276},{"text":"For car insurance, do you mean?","start":500.335,"end":502.675,"sentiment":"neutral","sentiment_score":-0.05183654216428598},{"text":"Car insurance?","start":508.34998,"end":509.25,"sentiment":"neutral","sentiment_score":-0.07075553387403488},{"text":"Yeah.","start":511.22998,"end":511.72998,"sentiment":"neutral","sentiment_score":-0.0859096497297287},{"text":"I for this for for personal risk insurance, yes.","start":515.705,"end":522.84503,"sentiment":"neutral","sentiment_score":-0.08247671276330948}],"sentiment":"neutral","sentiment_score":-0.061775892776878255,"num_words":19,"start":482.96,"end":522.84503},{"sentences":[{"text":"Car insurance is general 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something.","start":539.41,"end":543.19,"sentiment":"neutral","sentiment_score":-0.1486098969524557},{"text":"They will request some medical reports.","start":543.565,"end":545.965,"sentiment":"neutral","sentiment_score":-0.16658667723337808},{"text":"And if that then shows you that, hey.","start":545.965,"end":548.68506,"sentiment":"neutral","sentiment_score":-0.14966237917542458},{"text":"You were being, you know, not truthful, what they can then do is, okay.","start":548.68506,"end":553.565,"sentiment":"neutral","sentiment_score":-0.23764204233884811},{"text":"Well, you haven't been honest when making your declaration so they can actually cancel the cover, and then you've paid for something you can't claim on.","start":553.565,"end":561.68,"sentiment":"neutral","sentiment_score":-0.31625096614544207}],"sentiment":"neutral","sentiment_score":-0.23663141039701607,"num_words":65,"start":539.41,"end":561.68},{"sentences":[{"text":"So Exactly.","start":561.68,"end":563.54004,"sentiment":"neutral","sentiment_score":-0.010224711149930954},{"text":"Yeah.","start":565.2,"end":565.7,"sentiment":"neutral","sentiment_score":0.10365960001945496},{"text":"So it is important to be truthful because we wanna make sure that there is no gray area that if you need to claim on anything, it's, you know, all set.","start":565.76,"end":575.055,"sentiment":"neutral","sentiment_score":0.044881617830645655},{"text":"But it is a good question.","start":575.055,"end":576.355,"sentiment":"positive","sentiment_score":0.3466988652944565},{"text":"100 percent.","start":578.255,"end":579.075,"sentiment":"positive","sentiment_score":0.3932529091835022}],"sentiment":"neutral","sentiment_score":0.10336284144293695,"num_words":42,"start":561.68,"end":579.075},{"sentences":[{"text":"100%.","start":580.97504,"end":581.615,"sentiment":"neutral","sentiment_score":0.07766253501176834},{"text":"Because we have seen instances where people have said, unfortunately, like, no.","start":581.615,"end":585.53503,"sentiment":"neutral","sentiment_score":-0.04713374205554525},{"text":"No.","start":585.53503,"end":585.695,"sentiment":"neutral","sentiment_score":-0.21073918044567108},{"text":"No.","start":585.695,"end":585.935,"sentiment":"neutral","sentiment_score":-0.12453218549489976},{"text":"It's all good.","start":585.935,"end":586.575,"sentiment":"neutral","sentiment_score":-0.001293174922466278}],"sentiment":"neutral","sentiment_score":-0.04594962557570802,"num_words":18,"start":580.97504,"end":586.575},{"sentences":[{"text":"And then something happens.","start":586.575,"end":587.795,"sentiment":"neutral","sentiment_score":-0.009846766013652086},{"text":"And it was like, okay.","start":587.935,"end":589.77,"sentiment":"neutral","sentiment_score":-0.02137937247753143},{"text":"Well, if you were honest, then with time, sometimes you can remove an exclusion and you would be covered.","start":589.77,"end":595.85004,"sentiment":"neutral","sentiment_score":-0.0372738279402256},{"text":"But even though it happened, let's say, ten years ago, but at the time you applied for it, you weren't honest, they can still cancel it because they have an out.","start":595.85004,"end":604.555,"sentiment":"neutral","sentiment_score":-0.09652478692512359},{"text":"So we definitely wanna be honest with everything so you have cover.","start":604.695,"end":609.255,"sentiment":"neutral","sentiment_score":-0.04856793489307165}],"sentiment":"neutral","sentiment_score":-0.06238831367186257,"num_words":71,"start":586.575,"end":609.255},{"sentences":[{"text":"Because the last thing we want is for you for paying for something, and then the insurers are gonna back out because that obviously defeats the purpose of protecting you.","start":609.255,"end":617.43,"sentiment":"neutral","sentiment_score":-0.3069173291325569},{"text":"Yeah.","start":619.01,"end":619.51,"sentiment":"neutral","sentiment_score":0.2583187222480774},{"text":"No.","start":620.37,"end":620.69,"sentiment":"neutral","sentiment_score":0.07199710607528687},{"text":"That's okay.","start":620.69,"end":621.49,"sentiment":"neutral","sentiment_score":0.07457384653389454},{"text":"Do you have any other questions with the insurances otherwise, Dilly?","start":621.49,"end":624.87,"sentiment":"neutral","sentiment_score":0.03127519989555532}],"sentiment":"neutral","sentiment_score":-0.18631175897187657,"num_words":45,"start":609.255,"end":624.87},{"sentences":[{"text":"No?","start":627.825,"end":628.325,"sentiment":"neutral","sentiment_score":-0.04288962483406067},{"text":"Perfect.","start":630.625,"end":631.125,"sentiment":"neutral","sentiment_score":0.3110288381576538},{"text":"The other thing while I do have you on the phone, it was just to see because your the SOA that we went through in January actually expired three days ago.","start":631.98505,"end":641.36505,"sentiment":"neutral","sentiment_score":-0.005863523351088647},{"text":"The, you know, the recommendation we went through in January that has just it was a bit of everything.","start":644.18,"end":653.06,"sentiment":"neutral","sentiment_score":-0.007790808467880676},{"text":"So we talked about swapping some of your super investments to a little bit better performing one.","start":653.06,"end":658.92004,"sentiment":"neutral","sentiment_score":0.03903412610730704}],"sentiment":"neutral","sentiment_score":0.008723547425714956,"num_words":69,"start":627.825,"end":658.92004},{"sentences":[{"text":"We did also had the the child investment in there.","start":659.335,"end":664.235,"sentiment":"neutral","sentiment_score":0.018273297976702452},{"text":"Now I can potentially see if I can get at the managers to approve if you sign 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okay.","start":685.57,"end":688.14996,"sentiment":"neutral","sentiment_score":0.03609937690198421},{"text":"Yeah.","start":697.605,"end":698.105,"sentiment":"neutral","sentiment_score":0.017347723245620728},{"text":"It is it is a good exactly.","start":709.22003,"end":714.77496,"sentiment":"neutral","sentiment_score":0.08333670401147433},{"text":"It is it is a tricky thing because you don't obviously have a crystal ball.","start":714.77496,"end":718.77496,"sentiment":"neutral","sentiment_score":-0.18595169335603715}],"sentiment":"neutral","sentiment_score":-0.028663551045018575,"num_words":43,"start":682.61,"end":718.77496},{"sentences":[{"text":"You don't know what's going to happen.","start":718.77496,"end":720.71497,"sentiment":"neutral","sentiment_score":-0.24866172671318054},{"text":"But it is kind of like you said that that while prices are down, it is potentially a good time to buy while it is down because that means you can also buy at a discount.","start":721.57495,"end":734.11005,"sentiment":"neutral","sentiment_score":0.1519074495881796},{"text":"It also means though that you have to be okay with a bit of fluctuation because in the last twelve months, there have been a bit of fluctuation.","start":734.89,"end":741.885,"sentiment":"neutral","sentiment_score":-0.07302715216896363},{"text":"Even if it's more of a long term investment, long term not too concerned because the investments and everything we have selected are based on more your your fundamental.","start":742.58496,"end":754.77997,"sentiment":"neutral","sentiment_score":0.15857904654895438},{"text":"And if there were kind of structural issues, it's always something you can review anyway.","start":755.08,"end":760.46,"sentiment":"neutral","sentiment_score":-0.007894641325886671}],"sentiment":"neutral","sentiment_score":0.05359694406506606,"num_words":115,"start":718.77496,"end":760.46},{"sentences":[{"text":"So it's not like if we choose one investment that we foresee it not being too good, then we can always change it.","start":760.6,"end":767.355,"sentiment":"neutral","sentiment_score":-0.11215130434088084},{"text":"That still goes for the investment bond.","start":768.235,"end":770.15497,"sentiment":"neutral","sentiment_score":0.08962447249463626},{"text":"But at the same time, because, obviously, interest and everything is going up, a lot of people are struggling with cash flow and stuff like that.","start":770.15497,"end":780.65497,"sentiment":"neutral","sentiment_score":-0.10024292007661782},{"text":"So it's also dependent on how you feel.","start":780.81995,"end":782.81995,"sentiment":"neutral","sentiment_score":0.04723297618329525},{"text":"Because if you feel like you're a bit worried about, you know, bills and expenses and you wanna hold off with the investment bond until it's a bit more settled, that's also perfectly fine.","start":782.81995,"end":794.04,"sentiment":"neutral","sentiment_score":0.027927923618870622}],"sentiment":"neutral","sentiment_score":-0.032969504100631694,"num_words":98,"start":760.6,"end":794.04},{"sentences":[{"text":"Yeah.","start":795.315,"end":795.815,"sentiment":"neutral","sentiment_score":0.07784772664308548},{"text":"Yeah.","start":796.035,"end":796.535,"sentiment":"neutral","sentiment_score":0.07956714928150177},{"text":"Yes.","start":797.95496,"end":798.45496,"sentiment":"neutral","sentiment_score":0.1533391773700714},{"text":"And we could reassess it.","start":798.995,"end":800.855,"sentiment":"neutral","sentiment_score":0.15334170162677765},{"text":"Yeah.","start":801.555,"end":802.055,"sentiment":"neutral","sentiment_score":0.0959554761648178}],"sentiment":"neutral","sentiment_score":0.1303797819548183,"num_words":9,"start":795.315,"end":802.055},{"sentences":[{"text":"Yeah.","start":804.195,"end":804.695,"sentiment":"neutral","sentiment_score":0.09678439795970915},{"text":"Yeah.","start":806.195,"end":806.695,"sentiment":"neutral","sentiment_score":0.06986688077449799},{"text":"Yeah.","start":807.88995,"end":808.38995,"sentiment":"neutral","sentiment_score":0.1148359403014183},{"text":"Yes.","start":810.93,"end":811.43,"sentiment":"neutral","sentiment_score":0.029590897262096405},{"text":"Yeah.","start":814.69,"end":815.19,"sentiment":"neutral","sentiment_score":-0.05445296689867973}],"sentiment":"neutral","sentiment_score":0.05132502987980843,"num_words":5,"start":804.195,"end":815.19},{"sentences":[{"text":"That's okay.","start":819.56995,"end":820.47,"sentiment":"neutral","sentiment_score":0.2710447534918785},{"text":"How how much time do you think you'd need?","start":822.105,"end":825.465,"sentiment":"neutral","sentiment_score":-0.002590620269378026},{"text":"Just because it has expired, so, technically, it would mean we'd have to redo everything.","start":825.465,"end":831.085,"sentiment":"neutral","sentiment_score":-0.11210318903128307},{"text":"If it's if we're just ignoring, obviously, the the investment bond for now, we can reassess that at your annual review, which is coming up, you know, a bit later in the year.","start":832.265,"end":840.8,"sentiment":"neutral","sentiment_score":-0.006478486762551422},{"text":"We can always see how things are looking then.","start":840.8,"end":842.98,"sentiment":"neutral","sentiment_score":0.03631775577863058}],"sentiment":"neutral","sentiment_score":-0.01543682605980019,"num_words":68,"start":819.56995,"end":842.98},{"sentences":[{"text":"If it's more just yeah.","start":843.2,"end":848.515,"sentiment":"neutral","sentiment_score":-0.023894405364990233},{"text":"Yeah.","start":848.515,"end":849.015,"sentiment":"neutral","sentiment_score":-0.05462919548153877},{"text":"Yeah.","start":851.715,"end":852.215,"sentiment":"neutral","sentiment_score":-0.009564731270074844},{"text":"Yeah.","start":852.675,"end":853.075,"sentiment":"neutral","sentiment_score":0.02222271077334881},{"text":"We can do that.","start":853.075,"end":853.875,"sentiment":"neutral","sentiment_score":0.031195854768157005}],"sentiment":"neutral","sentiment_score":-0.00305498531088233,"num_words":12,"start":843.2,"end":853.875},{"sentences":[{"text":"So I can just put a pause on this right now.","start":853.875,"end":856.29504,"sentiment":"neutral","sentiment_score":0.019949210807681084},{"text":"And then we do have I mean, if you change your mind at any point, you can always let me know.","start":857.315,"end":861.895,"sentiment":"neutral","sentiment_score":0.19363668454544886},{"text":"Otherwise, we do have your annual review coming up in around July.","start":862.49,"end":866.67,"sentiment":"neutral","sentiment_score":0.08679028848807017},{"text":"If you wanted to bring it no.","start":867.45,"end":869.85,"sentiment":"neutral","sentiment_score":0.05733256760452475},{"text":"But if it was that you wanted to bring it forward, just give me a call or send me an email.","start":869.85,"end":872.97,"sentiment":"neutral","sentiment_score":0.16854478134995415}],"sentiment":"neutral","sentiment_score":0.12872310469133985,"num_words":72,"start":853.875,"end":872.97},{"sentences":[{"text":"We can definitely bring it forward.","start":872.97,"end":874.685,"sentiment":"positive","sentiment_score":0.4151184956232707},{"text":"Otherwise, we can leave everything for now because if you haven't had time either, I don't wanna stress you as well.","start":874.825,"end":880.905,"sentiment":"neutral","sentiment_score":-0.02497344801113719},{"text":"We wanna make sure you take your time.","start":880.905,"end":883.545,"sentiment":"neutral","sentiment_score":-0.03307881159707904},{"text":"Yeah.","start":883.545,"end":884.045,"sentiment":"neutral","sentiment_score":0.01689181849360466},{"text":"And we can always reassess it then, through some update to the device and maybe other things have changed, so we wanna swap some other things out.","start":884.265,"end":891.69,"sentiment":"neutral","sentiment_score":0.015494187465972371}],"sentiment":"neutral","sentiment_score":0.03391861829847571,"num_words":63,"start":872.97,"end":891.69},{"sentences":[{"text":"But at least it it gives us a bit of time.","start":892.15,"end":894.95,"sentiment":"neutral","sentiment_score":0.07190246880054474},{"text":"So if you're happy with that, I'll make a note that we'll just leave it for now and then touch base.","start":894.95,"end":901.565,"sentiment":"neutral","sentiment_score":0.1567579937123117},{"text":"If we don't hear from you, we'll touch base around July and then do an interview and kind of see where everything's at and if we then wanted to look at making some changes.","start":901.565,"end":910.385,"sentiment":"neutral","sentiment_score":0.06484628529013957},{"text":"Yeah.","start":912.125,"end":912.625,"sentiment":"neutral","sentiment_score":0.035784609615802765},{"text":"Let me have a look into your account.","start":917.31,"end":921.81,"sentiment":"neutral","sentiment_score":-0.0010914501035586}],"sentiment":"neutral","sentiment_score":0.08419562311222156,"num_words":75,"start":892.15,"end":921.81},{"sentences":[{"text":"Let me see here.","start":925.245,"end":926.54504,"sentiment":"neutral","sentiment_score":0.03298145206645131},{"text":"So some it's one of those things that some investments, like your defensive investments, are still kind of doing okay in a your like, some of your defensive investments are still doing okay.","start":926.84503,"end":940.97,"sentiment":"neutral","sentiment_score":0.10592120343988592},{"text":"But let me see if I can just pull this up for you.","start":941.67,"end":944.81,"sentiment":"neutral","sentiment_score":0.09851725342182013},{"text":"Just bear with me.","start":944.87,"end":946.49,"sentiment":"neutral","sentiment_score":0.08078876323997974},{"text":"And it's one of those things as well that some investments when it is kind of are sometimes benefiting from, you know, different things, whereas others, not so much.","start":947.67,"end":960.045,"sentiment":"neutral","sentiment_score":0.01995138644144453}],"sentiment":"neutral","sentiment_score":0.06999753103647606,"num_words":83,"start":925.245,"end":960.045},{"sentences":[{"text":"So, essentially, for you, there is only two investments that's down, and that is your Benelon Australian Equities, which is the one we were kind of focusing on switching for you.","start":961.465,"end":975.67,"sentiment":"neutral","sentiment_score":0.033320596021029256},{"text":"That one is down 23%.","start":977.09,"end":979.75,"sentiment":"neutral","sentiment_score":-0.032073502987623216},{"text":"Now this is in a twelve month period.","start":980.05,"end":982.15,"sentiment":"neutral","sentiment_score":-0.015884476946666837},{"text":"The other one is your beta shares global cybersecurity, and that is pretty and that's about 11% in twelve months after fees as well.","start":984.17505,"end":995.555,"sentiment":"neutral","sentiment_score":0.08331873780116439},{"text":"Yeah.","start":996.55,"end":997.02997,"sentiment":"neutral","sentiment_score":0.014072448946535587}],"sentiment":"neutral","sentiment_score":0.039988656555288944,"num_words":69,"start":961.465,"end":997.02997},{"sentences":[{"text":"So the cyber the when I did research on your super investments, I did very much suggest that we should swap Bennelong.","start":997.02997,"end":1009.67505,"sentiment":"neutral","sentiment_score":0.0153540396978232},{"text":"Now I did, just for your reference, with the invest because that was the only thing we were doing.","start":1009.67505,"end":1016.55505,"sentiment":"neutral","sentiment_score":0.04503689461240643},{"text":"So I do think swapping because Bennitude a lot of the research, the Bennelong investment originally was really good.","start":1016.55505,"end":1023.775,"sentiment":"neutral","sentiment_score":0.16431806236505508},{"text":"More recently, we have seen that I don't think it's going to be the best opportunity moving forward with Bennelong.","start":1024.02,"end":1032.68,"sentiment":"neutral","sentiment_score":-0.12852308759465814},{"text":"Now with with, which is the only thing we were swapping out, Now that was the investment.","start":1033.22,"end":1040.315,"sentiment":"neutral","sentiment_score":0.019903815625345007}],"sentiment":"neutral","sentiment_score":0.021478723398573006,"num_words":97,"start":997.02997,"end":1040.315},{"sentences":[{"text":"So what we were doing was to just rebalance your portfolio a little bit, keeping all the investments, and we were only swapping Benelon for another option that has performed a bit better, and that was Affinity.","start":1040.315,"end":1054.6001,"sentiment":"neutral","sentiment_score":0.0770777525329912},{"text":"Okay.","start":1056.1001,"end":1056.5,"sentiment":"neutral","sentiment_score":0.1140592247247696},{"text":"Okay.","start":1056.5,"end":1057.0,"sentiment":"neutral","sentiment_score":0.07016932964324951},{"text":"Now in in order for me to do that change, I do need you to sign the document to authorize it.","start":1057.8601,"end":1064.68,"sentiment":"neutral","sentiment_score":0.09184396994255838},{"text":"So what I can do is do you still have access to it?","start":1065.2201,"end":1071.135,"sentiment":"neutral","sentiment_score":0.03921264682251673}],"sentiment":"neutral","sentiment_score":0.0749944270626731,"num_words":73,"start":1040.315,"end":1071.135},{"sentences":[{"text":"Otherwise, I can while I have you on the phone, I can see if I can resend it, and then I will guide you to making a note to say that we're leaving the investment bond for now.","start":1072.155,"end":1083.37,"sentiment":"neutral","sentiment_score":0.022584352654551988},{"text":"Because you can make that on the document just to say that you don't want to go ahead with that, and we can leave that for now and only literally changing the investment.","start":1083.37,"end":1093.39,"sentiment":"neutral","sentiment_score":-0.008288302543488417},{"text":"Because I do think as well from the reasons that Benelon has underperformed, so I think it is good to get out of that.","start":1095.585,"end":1102.145,"sentiment":"neutral","sentiment_score":0.03288526216056198},{"text":"The cybersecurity, I'm not too concerned about because it's a bit more of like a cyclical what is going on.","start":1102.145,"end":1108.77,"sentiment":"neutral","sentiment_score":-0.014493871841114014},{"text":"The tech industry as a whole has seen a bit of fluctuations, but even the the tech space, long term AI technology, there is so many opportunities in that space long term.","start":1108.93,"end":1122.39,"sentiment":"neutral","sentiment_score":-0.009862380946287885}],"sentiment":"neutral","sentiment_score":0.00522764681420308,"num_words":147,"start":1072.155,"end":1122.39},{"sentences":[{"text":"It is just kind of a bit of a a bump on that.","start":1122.515,"end":1124.915,"sentiment":"neutral","sentiment_score":-0.04561257749222792},{"text":"But the Benelon we do to see so let me see if I can find the document.","start":1124.915,"end":1131.4951,"sentiment":"neutral","sentiment_score":0.0015177213970352622},{"text":"Alright.","start":1131.795,"end":1132.275,"sentiment":"neutral","sentiment_score":0.03562876582145691},{"text":"So I can resend this here for you.","start":1132.275,"end":1134.775,"sentiment":"neutral","sentiment_score":0.03663696278817952},{"text":"And Yeah.","start":1134.9951,"end":1140.12,"sentiment":"neutral","sentiment_score":0.02684987150132656}],"sentiment":"neutral","sentiment_score":-0.004505805671215057,"num_words":41,"start":1122.515,"end":1140.12},{"sentences":[{"text":"And I will speak to management and say because we're literally only changing that investment, we and there's nothing major that's changed for you, then I'm sure I can get approval to just make that switch, especially sooner rather than later for you.","start":1140.12,"end":1155.485,"sentiment":"neutral","sentiment_score":0.04149945850787295},{"text":"And especially if we're leaving the investment bonds, we're not doing any other changes.","start":1155.5449,"end":1159.485,"sentiment":"neutral","sentiment_score":-0.038514732383191586},{"text":"So yeah.","start":1160.2649,"end":1162.345,"sentiment":"neutral","sentiment_score":0.04791286587715149},{"text":"So I've just I've just sent that to you.","start":1162.345,"end":1167.19,"sentiment":"positive","sentiment_score":0.474072837167316},{"text":"Yeah.","start":1169.33,"end":1169.83,"sentiment":"positive","sentiment_score":0.4124163687229157}],"sentiment":"neutral","sentiment_score":0.08724881300662199,"num_words":69,"start":1140.12,"end":1169.83},{"sentences":[{"text":"Perfect.","start":1170.0499,"end":1170.5499,"sentiment":"positive","sentiment_score":0.5676392316818237},{"text":"I I I will show you as other investment I'm talking about.","start":1171.89,"end":1175.89,"sentiment":"neutral","sentiment_score":0.22442703818281493},{"text":"And this document, you have access to with spouse.","start":1175.89,"end":1178.465,"sentiment":"neutral","sentiment_score":0.14196223103337818},{"text":"If you have any question, let me know.","start":1178.465,"end":1180.465,"sentiment":"neutral","sentiment_score":0.11916365008801222},{"text":"But, literally, the only change was that Benelung investment through an alternative option.","start":1180.465,"end":1185.5249,"sentiment":"neutral","sentiment_score":-0.019137777029894866}],"sentiment":"neutral","sentiment_score":0.12192888066259235,"num_words":43,"start":1170.0499,"end":1185.5249},{"sentences":[{"text":"Now let me so when you click on the documents, you should see statement of advice.","start":1188.065,"end":1193.26,"sentiment":"neutral","sentiment_score":0.04911763616837561},{"text":"Can you see that?","start":1193.3201,"end":1194.38,"sentiment":"neutral","sentiment_score":0.0466966237872839},{"text":"Yep.","start":1195.8,"end":1196.3,"sentiment":"neutral","sentiment_score":0.09184660762548448},{"text":"Now if you wanna scroll down to me or for me to page 16.","start":1196.36,"end":1203.1,"sentiment":"neutral","sentiment_score":0.05329941159912518},{"text":"And it should see a heading where it says recommended investment.","start":1213.5951,"end":1217.375,"sentiment":"neutral","sentiment_score":0.06063816357742657}],"sentiment":"neutral","sentiment_score":0.05386362702626249,"num_words":46,"start":1188.065,"end":1217.375},{"sentences":[{"text":"Investment?","start":1242.9,"end":1243.4,"sentiment":"neutral","sentiment_score":0.07551263272762299},{"text":"Yes.","start":1243.86,"end":1244.36,"sentiment":"neutral","sentiment_score":0.15026885271072388},{"text":"Exactly.","start":1244.8201,"end":1245.3201,"sentiment":"neutral","sentiment_score":0.17907929420471191},{"text":"So what you can kind of see here is a lot of it the red is what we are rebalancing for you.","start":1245.86,"end":1252.18,"sentiment":"neutral","sentiment_score":0.03449327913536267},{"text":"So just basically bringing it back to the risk profile.","start":1252.18,"end":1255.14,"sentiment":"neutral","sentiment_score":0.0006079472601413727}],"sentiment":"neutral","sentiment_score":0.03342263980635575,"num_words":35,"start":1242.9,"end":1255.14},{"sentences":[{"text":"We're not changing any of those investments.","start":1255.14,"end":1257.005,"sentiment":"neutral","sentiment_score":-0.12160478106566838},{"text":"The only one we are completely selling out of is your Benelung Australian equity, which is the second one from the bottom where it says 0%.","start":1257.0651,"end":1265.5651,"sentiment":"neutral","sentiment_score":0.0004867308307439089},{"text":"Can you see that?","start":1265.625,"end":1266.6051,"sentiment":"neutral","sentiment_score":0.009059518110007048},{"text":"Yeah.","start":1267.145,"end":1267.645,"sentiment":"neutral","sentiment_score":0.01319974660873413},{"text":"That is the only one we are are that that is the only one we are selling.","start":1267.9451,"end":1272.11,"sentiment":"neutral","sentiment_score":-0.03824535428601153}],"sentiment":"neutral","sentiment_score":-0.026169303084977648,"num_words":55,"start":1255.14,"end":1272.11},{"sentences":[{"text":"Sorry.","start":1274.49,"end":1274.99,"sentiment":"neutral","sentiment_score":-0.08649449050426483},{"text":"No.","start":1281.61,"end":1282.09,"sentiment":"neutral","sentiment_score":-0.11418913304805756},{"text":"That is just that's just the money we are selling.","start":1282.09,"end":1284.1349,"sentiment":"neutral","sentiment_score":-0.16245654672384263},{"text":"The only reason it's red is because we are selling it.","start":1284.1349,"end":1287.0349,"sentiment":"neutral","sentiment_score":-0.12953154810450293},{"text":"It's it's not because it's lost.","start":1287.575,"end":1289.495,"sentiment":"neutral","sentiment_score":-0.07880628667771816}],"sentiment":"neutral","sentiment_score":-0.1283770289657445,"num_words":29,"start":1274.49,"end":1289.495},{"sentences":[{"text":"Yeah.","start":1289.495,"end":1289.735,"sentiment":"neutral","sentiment_score":-0.03886441886425018},{"text":"No.","start":1289.735,"end":1290.235,"sentiment":"neutral","sentiment_score":-0.08563739061355591},{"text":"No.","start":1290.2949,"end":1290.7949,"sentiment":"neutral","sentiment_score":-0.0726204663515091},{"text":"And then the one underneath bend along is that we're swapping it for.","start":1293.0149,"end":1297.17,"sentiment":"neutral","sentiment_score":-0.01072658204401915},{"text":"So we're basically swapping the those across.","start":1297.25,"end":1299.8301,"sentiment":"neutral","sentiment_score":0.05204462792192187}],"sentiment":"neutral","sentiment_score":0.0012062849152995193,"num_words":23,"start":1289.495,"end":1299.8301},{"sentences":[{"text":"And it's very similar, still focusing on the Australian equity.","start":1301.0901,"end":1305.65,"sentiment":"neutral","sentiment_score":0.12627924382686614},{"text":"It's just another option.","start":1305.65,"end":1307.11,"sentiment":"neutral","sentiment_score":0.09225679934024811},{"text":"Now if you wanna scroll up just so you can see it again, scroll up to page 12 for me.","start":1307.5701,"end":1315.4349,"sentiment":"neutral","sentiment_score":0.05724366940557957},{"text":"Investment returns recommended, like the table with the numbers.","start":1323.735,"end":1327.4349,"sentiment":"neutral","sentiment_score":0.04687337867087788},{"text":"Yes.","start":1329.51,"end":1330.01,"sentiment":"neutral","sentiment_score":-0.00561290979385376}],"sentiment":"neutral","sentiment_score":0.07256683004512028,"num_words":44,"start":1301.0901,"end":1330.01},{"sentences":[{"text":"Because of the the cover page.","start":1332.39,"end":1335.19,"sentiment":"neutral","sentiment_score":-0.010184237888703743},{"text":"Yeah.","start":1335.19,"end":1335.69,"sentiment":"neutral","sentiment_score":0.002134254202246666},{"text":"So no.","start":1336.95,"end":1339.19,"sentiment":"neutral","sentiment_score":-0.018339608795940876},{"text":"That's okay.","start":1339.19,"end":1340.09,"sentiment":"neutral","sentiment_score":0.07871861755847931},{"text":"Now, basically, we're just making that investment switch.","start":1340.6951,"end":1344.555,"sentiment":"neutral","sentiment_score":0.2126025427132845}],"sentiment":"neutral","sentiment_score":0.09276879926849353,"num_words":19,"start":1332.39,"end":1344.555},{"sentences":[{"text":"You will see that the fees are a bit cheaper, so it's about $777 cheaper, which is good.","start":1345.0951,"end":1352.395,"sentiment":"positive","sentiment_score":0.4454895613922013},{"text":"And then if you look at where it's just the five year rolling average, that's the performance on the portfolio, and that is using your five year rolling average.","start":1353.2999,"end":1363.2999,"sentiment":"neutral","sentiment_score":0.11132074481454389},{"text":"So making the switch, again, just kind of getting out of Bennelong makes it cheaper, but it improves the return.","start":1363.2999,"end":1370.9249,"sentiment":"neutral","sentiment_score":0.2681554213166237},{"text":"So that is literally what we are if you're happy to do that, then I think doing that change is good.","start":1371.3049,"end":1379.565,"sentiment":"neutral","sentiment_score":0.2721781872567676},{"text":"And then so, basically, if you wanna click it should say sign now, but I'll get you to write the the variations as well just with the investment bond to say that we don't wanna do that right now.","start":1382.05,"end":1397.095,"sentiment":"neutral","sentiment_score":0.04237529320212511}],"sentiment":"neutral","sentiment_score":0.18880787793928244,"num_words":127,"start":1345.0951,"end":1397.095},{"sentences":[{"text":"Does it allow you so let me know how you go because it can be a bit tricky.","start":1399.3151,"end":1402.855,"sentiment":"neutral","sentiment_score":0.019755529653694894},{"text":"Yep.","start":1411.5701,"end":1412.0701,"sentiment":"neutral","sentiment_score":0.03527720645070076},{"text":"Yes.","start":1426.545,"end":1426.9451,"sentiment":"neutral","sentiment_score":0.04965135082602501},{"text":"Yes.","start":1426.9451,"end":1427.185,"sentiment":"neutral","sentiment_score":0.042085014283657074},{"text":"Does it allow you to type anything there?","start":1427.185,"end":1429.285,"sentiment":"neutral","sentiment_score":0.03150681569240987}],"sentiment":"neutral","sentiment_score":0.025333366581592066,"num_words":29,"start":1399.3151,"end":1429.285},{"sentences":[{"text":"Perfect.","start":1431.36,"end":1431.86,"sentiment":"neutral","sentiment_score":0.2649548053741455},{"text":"So here is where you can type you can type it in your own words, but to just say that you don't want to proceed with the child investment at this stage, something along those lines, and that's all I need to to let the team know that we're not doing that, and we can reassess it later.","start":1432.5599,"end":1455.575,"sentiment":"neutral","sentiment_score":0.012185895815491676},{"text":"But we can still go ahead with just the super switch alone.","start":1455.635,"end":1459.255,"sentiment":"neutral","sentiment_score":0.029803952978303034},{"text":"The child investment bond.","start":1467.23,"end":1469.25,"sentiment":"neutral","sentiment_score":0.0067487433552742004},{"text":"Yep.","start":1484.46,"end":1484.86,"sentiment":"neutral","sentiment_score":0.09707535803318024}],"sentiment":"neutral","sentiment_score":0.01912440170877074,"num_words":76,"start":1431.36,"end":1484.86},{"sentences":[{"text":"Yep.","start":1484.86,"end":1485.26,"sentiment":"neutral","sentiment_score":0.094041608273983},{"text":"Exactly.","start":1485.26,"end":1485.66,"sentiment":"neutral","sentiment_score":0.17730635404586792},{"text":"You can just do just the investment, just the super swaps.","start":1485.66,"end":1489.44,"sentiment":"neutral","sentiment_score":0.13159426369450308},{"text":"And then we can go through that that for you so we can get them out of the way.","start":1499.115,"end":1503.615,"sentiment":"neutral","sentiment_score":0.1556427717993134},{"text":"And when you have added the signature and the date, does it say, like, finish or complete or something like that?","start":1504.3151,"end":1510.255,"sentiment":"neutral","sentiment_score":0.005595579898605744}],"sentiment":"neutral","sentiment_score":0.09044537179277472,"num_words":53,"start":1484.86,"end":1510.255},{"sentences":[{"text":"Yep.","start":1514.3099,"end":1514.8099,"sentiment":"neutral","sentiment_score":0.19264620542526245},{"text":"Perfect.","start":1515.03,"end":1515.53,"sentiment":"positive","sentiment_score":0.5207506418228149},{"text":"Perfect.","start":1523.445,"end":1523.945,"sentiment":"positive","sentiment_score":0.6350974440574646},{"text":"Sometimes it does take a oh, actually, no.","start":1524.565,"end":1526.8049,"sentiment":"neutral","sentiment_score":0.1335573848336935},{"text":"It has come through already, which is great.","start":1526.8049,"end":1528.665,"sentiment":"positive","sentiment_score":0.3601300697773695}],"sentiment":"neutral","sentiment_score":0.27884178569442347,"num_words":19,"start":1514.3099,"end":1528.665},{"sentences":[{"text":"So I will make a note on my end as well to say we're leaving the investment bond for now when it's a bit more certainty in the market, which even in July, we might have a bit more, and we can always reassess it at the annual review.","start":1529.125,"end":1542.1,"sentiment":"neutral","sentiment_score":0.17829431137260127},{"text":"But like I said, if anything changes and you wanna look at it sooner, by all means, just send me an email or give me a call, and we can always do it sooner.","start":1542.72,"end":1551.7,"sentiment":"neutral","sentiment_score":0.11528169089818702},{"text":"But if not, it's not too far away as well, and it gives us a good chance to kind of review everything for you.","start":1552.115,"end":1557.8151,"sentiment":"neutral","sentiment_score":0.24634457814196745},{"text":"Yeah.","start":1561.235,"end":1561.735,"sentiment":"neutral","sentiment_score":-0.006143762730062008},{"text":"No.","start":1574.6101,"end":1574.93,"sentiment":"neutral","sentiment_score":-0.02954188734292984}],"sentiment":"neutral","sentiment_score":0.1700236970011931,"num_words":109,"start":1529.125,"end":1574.93},{"sentences":[{"text":"Sorry.","start":1574.93,"end":1575.41,"sentiment":"neutral","sentiment_score":-0.015608389861881731},{"text":"We always keep a copy on file for everything.","start":1575.41,"end":1578.13,"sentiment":"neutral","sentiment_score":0.04775701587398847},{"text":"So if at any point in time you want a separate copy, we can send it through.","start":1578.13,"end":1582.335,"sentiment":"neutral","sentiment_score":0.0625536128440324},{"text":"It's always saved in your order like, in your Odoo account.","start":1582.795,"end":1586.815,"sentiment":"neutral","sentiment_score":0.2842005504803224},{"text":"Everything that you have signed is in there as well.","start":1587.035,"end":1591.135,"sentiment":"neutral","sentiment_score":0.2338672772049904}],"sentiment":"neutral","sentiment_score":0.14463531247262532,"num_words":48,"start":1574.93,"end":1591.135},{"sentences":[{"text":"So we always keep a copy on file.","start":1591.195,"end":1593.695,"sentiment":"neutral","sentiment_score":0.10010917950421572},{"text":"So if you do you want us to email anything to you if you struggle to download it?","start":1594.0,"end":1599.36,"sentiment":"neutral","sentiment_score":0.04366132720477051},{"text":"Or yeah.","start":1599.36,"end":1600.9,"sentiment":"neutral","sentiment_score":0.017495794221758842},{"text":"Yeah.","start":1601.52,"end":1602.02,"sentiment":"neutral","sentiment_score":0.01352441031485796},{"text":"Yep.","start":1615.2949,"end":1615.7949,"sentiment":"neutral","sentiment_score":0.08599995076656342}],"sentiment":"neutral","sentiment_score":0.05737644250815113,"num_words":30,"start":1591.195,"end":1615.7949},{"sentences":[{"text":"Perfect.","start":1616.015,"end":1616.515,"sentiment":"positive","sentiment_score":0.34435397386550903},{"text":"Yes.","start":1618.83,"end":1619.33,"sentiment":"positive","sentiment_score":0.34616416692733765},{"text":"So let me see if I can get it from here.","start":1621.63,"end":1624.61,"sentiment":"neutral","sentiment_score":0.09019380096684802},{"text":"And would you like us to go ahead and make that change for you, or do you want any oh, did you need just the information to make the contribution or to make that notice of intent?","start":1627.55,"end":1640.365,"sentiment":"neutral","sentiment_score":0.03129913995193469},{"text":"Do do you know exactly all the information?","start":1649.88,"end":1653.98,"sentiment":"neutral","sentiment_score":0.002930087852291763}],"sentiment":"neutral","sentiment_score":0.049382048835656764,"num_words":58,"start":1616.015,"end":1653.98},{"sentences":[{"text":"Because I can get the team to send you all the reports, or I can see if I can find the old email and get the team to resend the new thing.","start":1654.28,"end":1663.615,"sentiment":"neutral","sentiment_score":0.009043604193720967},{"text":"Okay.","start":1690.985,"end":1691.485,"sentiment":"neutral","sentiment_score":-0.043943535536527634},{"text":"Okay.","start":1695.9601,"end":1696.4601,"sentiment":"neutral","sentiment_score":-0.027952637523412704},{"text":"Okay.","start":1703.4801,"end":1703.9801,"sentiment":"neutral","sentiment_score":-0.03450120985507965},{"text":"Okay.","start":1705.815,"end":1706.315,"sentiment":"neutral","sentiment_score":0.04909639805555344}],"sentiment":"neutral","sentiment_score":0.006447065259433455,"num_words":36,"start":1654.28,"end":1706.315},{"sentences":[{"text":"That's if it changes, though, and you do talk to him and he he needs anything, just send me an email or just call the office and say, hi.","start":1706.615,"end":1713.0149,"sentiment":"neutral","sentiment_score":0.03442453156257498},{"text":"I need these documents, and we can always just email it to you as well if if he does change and you do need them.","start":1713.0149,"end":1718.67,"sentiment":"neutral","sentiment_score":0.037514562383294106},{"text":"Yep.","start":1720.43,"end":1720.93,"sentiment":"neutral","sentiment_score":0.3175961971282959},{"text":"Perfect.","start":1721.39,"end":1721.89,"sentiment":"positive","sentiment_score":0.7620546817779541},{"text":"So that's okay.","start":1722.1901,"end":1723.3301,"sentiment":"positive","sentiment_score":0.34472845991452533}],"sentiment":"neutral","sentiment_score":0.06864426667028564,"num_words":59,"start":1706.615,"end":1723.3301},{"sentences":[{"text":"Now I will let you go and enjoy the rest of your evening.","start":1723.7101,"end":1727.0901,"sentiment":"positive","sentiment_score":0.411904717867191},{"text":"Do you have any other questions before I let you go at this point, Jaylene?","start":1727.9501,"end":1731.7301,"sentiment":"neutral","sentiment_score":0.04142149065931638},{"text":"No?","start":1733.915,"end":1734.415,"sentiment":"neutral","sentiment_score":-0.10934613645076752},{"text":"No.","start":1736.555,"end":1737.055,"sentiment":"neutral","sentiment_score":0.1158730611205101},{"text":"That is oh, that is not.","start":1737.675,"end":1739.755,"sentiment":"neutral","sentiment_score":-0.10777356599768002}],"sentiment":"neutral","sentiment_score":0.14822136724574697,"num_words":36,"start":1723.7101,"end":1739.755},{"sentences":[{"text":"Thank you.","start":1739.755,"end":1740.3151,"sentiment":"neutral","sentiment_score":0.29779940843582153},{"text":"I'm happy.","start":1740.3151,"end":1740.7151,"sentiment":"positive","sentiment_score":0.5587595105171204},{"text":"And I'm here for anything you know, if you do need anything, just a phone call or an email.","start":1740.7151,"end":1745.135,"sentiment":"positive","sentiment_score":0.39439166690173905},{"text":"I'm more than happy to just have a bit of a catch up if you do need anything.","start":1745.63,"end":1749.0901,"sentiment":"positive","sentiment_score":0.5529200451241599},{"text":"Yeah.","start":1752.67,"end":1752.9901,"sentiment":"neutral","sentiment_score":0.31725767254829407}],"sentiment":"positive","sentiment_score":0.4637232855671928,"num_words":42,"start":1739.755,"end":1752.9901},{"sentences":[{"text":"You yes.","start":1752.9901,"end":1755.0701,"sentiment":"neutral","sentiment_score":0.12295553088188171},{"text":"So almost at the end.","start":1755.0701,"end":1756.51,"sentiment":"neutral","sentiment_score":0.24473364949226378},{"text":"But, yes, thank you so much.","start":1756.51,"end":1757.7101,"sentiment":"positive","sentiment_score":0.7218688329060873},{"text":"Just lovely speaking to you.","start":1757.7101,"end":1758.91,"sentiment":"positive","sentiment_score":0.8960914134979248},{"text":"Anything you need anything else, just give me a call.","start":1758.91,"end":1761.285,"sentiment":"neutral","sentiment_score":0.22086129188537598}],"sentiment":"positive","sentiment_score":0.44606651046446394,"num_words":28,"start":1752.9901,"end":1761.285},{"sentences":[{"text":"You too.","start":1764.3251,"end":1764.885,"sentiment":"neutral","sentiment_score":0.20060735195875168},{"text":"We'll speak soon.","start":1764.885,"end":1765.865,"sentiment":"neutral","sentiment_score":0.14835971593856812},{"text":"Okay.","start":1767.045,"end":1767.545,"sentiment":"neutral","sentiment_score":0.1349196434020996},{"text":"Bye.","start":1767.605,"end":1768.105,"sentiment":"neutral","sentiment_score":0.08732104301452637}],"sentiment":"neutral","sentiment_score":0.15264779116426194,"num_words":7,"start":1764.3251,"end":1768.105}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Sounds good. Hi, Veronica. Yeah. Not bad. How are you? Yeah. No. It's fine. Look. I am gonna have you just on Bluetooth for a sec. See you, darling. Okay. Bye. But it'll be alright once we get home properly so we can chat. I I have. Thank you very much. Bye. Sorry. Yeah. That's fine. No worries. If I have anything to worry about, I will give you those details, but then I'll have to adjust my code. Yeah. I'll put the paper. It's Jolene Ransom. 11381977 And 2 Ellis Road, Merrick. Wait. Is that what you're after? It's yes. Okay. Cool. Just like okay. That should be a rush, I think. Yeah. Perfect. Yes. Yes. Yep. Yeah. Okay. Yes. Yep. Yeah. Yeah. Fair enough. Fair enough. I I did have a funny feeling. I thought it might have even been higher even. Yeah. Like yeah. But I still got my TPD, don't I, just in case for the future? Don't I? Yes. Yep. Oh, beautiful. Yeah. Yep. Yep. That's good. That's good. Look. I don't think anything's gonna happen for Genoa gears anyway, but you just want that back up just in case. Because I did actually I got that scan, and they did say that there's a little bit of damage in the c c three, c four. So it could potentially give me grief later on, it sounds like. So yeah. Because it pinches. That's right. Yeah. Yeah. That's right. You got it. And with that, Veronica, that one, like, you I think there's a 25%. You guys are the brokers for it, so you charge 25%. Like, if I had to go for TPD again and a life insurance, do I have to do a a different survey, or are you able to transfer it over to me so I don't have to do a full medical? No. You know how I heard that you said you said that you put a 25, like, broker free, like so say in five years' time, I think that that would be quite astronomical unless it's just on TPD. Was that you that said that there's, like, a a fee that you get for doing the insurance for us? Yes. I would have been yeah. Lovely. Rewards. Yeah. Yep. Yep. Yeah. Okay. Yeah. Okay. Beautiful. That's that's what I'd like to know. Yes. Yeah. Yeah. Yeah. Yeah. Exactly right. You got it. Yeah. And potentially just stay with them as well knowing that I've got something maybe. Yeah. Yeah. Beautiful. Yeah. Yeah. Yeah. Okay. Yes. That's right. Yeah. And what happens, like like, say example, I went to RAC and tried to get coverage, and you don't say everything. You've gotta say everything because they'll bring up your doctor work, won't they? Like, if you did a claim yeah. If you did a claim or something, and you haven't said something. Say I didn't yeah. Say I didn't say I had a neck problem or something like that. It would come back and bite you in the bum anyway, wouldn't it? Yes. Yes. Yes. Yes. Haven't got it anyway. I did read that as well. Yeah. Okay. Yep. So it's just better off being honest anyway. Best off just being honest. Is that correct? Yeah. Yeah. Yeah. Yeah. Yes. Okay. Cool. Awesome. Thank you. Not on the insurances now. I'm happy with all that. Yes. What it's about? Sorry. Yes. About Harrison. Yes. Yes. Yes. It's it's not Look. I did wanna speak to you about this. I thought we were gonna get in the time hold, but considering how the world is going at the moment, is it worth like, we'll start with Harrison. Is it worth doing anything right now, or or is it perfect timing because everything's down? Yes. Yes. Yes. Yes. Yes. Yes. I think I might, sir Harry. Just I'll see what happens. I definitely am interested, but yeah. Like, it's doing alright with just it's monthly installments at the moment anyway. So, yeah, we can talk about that one later. I you wouldn't believe this. I haven't even had a chance to look at what she did. Yeah. So Yeah. I reckon we might do that too because I wanna see what's going on, and it's gonna take a bit to recover anyway, Veronica. Yeah. Beautiful. Yeah. Yeah. See, it's not long. Beautiful. Yeah. It's been frantic. Yeah. Yeah. Yeah. Yeah. That's right. Yeah. Yeah. Yeah. How much has the market gone down, Veronica, since the war has broke out? Which one? Yeah. Yeah. Yeah. That's her. Yeah. Yes. Yes. Yes. It's gone down. Okay. I wonder if I should just change those two. Yeah. Yeah. Yeah. Okay. Okay. Yeah. Okay. Yeah. Yeah. Do that then. Veronica, do that. Yeah. That's fine. Yes. No worries. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Maybe if you resend it, because it might be here. Yeah. Yeah. Beautiful. Changes. Okay. Yeah. That sounds wonderful. And it's come through today. Yay. Yeah. Okay. Yes. Yeah. Yes. Okay. Okay. Hold on. This is very important. So just be very quiet. Okay. So that's very cool. Jaylene's recommended investment superannuation. Yep. Yeah. Yeah. Oh, is that a is that a big yep. Is that, like yeah. It hasn't lost $16,000, has it? No. Okay. Beautiful. Beautiful. Yeah. Okay. Lovely. Mhmm. Strategy recommendations. Is that the one? Yeah. Oh, yes. Sorry. I've got, like, different pages. The different oh, yeah. Yep. So yep. My Apple Chrome saying different. Mhmm. Mhmm. Okay. Yeah. Okay. It's gonna yeah. I kept it. Yeah. Yeah. That's good. Okay. Yeah. Okay. Okay. Okay. Next. And then it says signature. Say? I I have chosen to vary the recommendation. Yes. It is going to let me. Alright. So you said do you wanna proceed with the what was it? Child investment. Investment. Okay. Just the swap. Swap. Eight. Okay. Beautiful. Yep. Sign all. Yeah. I just just pressed it. It's just trying to load. Yeah. You've got it. It should be there. Good. Yeah. Beautiful. Sounds good. And a question that I've got for those documents, it says download or close. You send all that information to me anyway, don't you, in email? So I don't really need to download it, do I? Yeah. Okay. Beautiful. Okay. Actually, yeah, I do need you to do my tax one for last financial year. I'm a little bit late on doing my tax, so I need my what would it be? The 2024, 2025 information, everything, yeah, would be great. Thank you. Oh, no. I just wanted to know because I'm gonna get my tax done. So my accountant wants all the information, like, so yeah. I I did that last year. Just bear with me. I have no idea. Okay. Actually, he hasn't asked. I speak to you today. Here is a summary items needed for the 2025 financial year. No. Please clearance pay courses, etcetera. He hasn't actually asked for anything. Maybe it was because I changed over with you guys originally, and you had I had my own shares, and then you sold my shares and stuff. So that's probably why. So I don't need anything. Thank you. Yep. Yeah. Okay. Beautiful. Beautiful. Thank you. Yes. No. I think you've sorted everything out. Thank you very much, Veronica. You're amazing. Okay. Thank you. Well, you have a lovely day too or night, shall I say? Okay. No worries. Take care. Will do. 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If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Sounds good.\n\nHi, Veronica. Yeah. Not bad. How are you? Yeah.\n\nNo. It's fine. Look. I am gonna have you just on Bluetooth for a sec. See you, darling.\n\nOkay. Bye. But it'll be alright once we get home properly so we can chat. I I have. Thank you very much.\n\nBye. Sorry. Yeah. That's fine. No worries.\n\nIf I have anything to worry about, I will give you those details, but then I'll have to adjust my code. Yeah. I'll put the paper. It's Jolene Ransom. 11381977 And 2 Ellis Road, Merrick.\n\nWait. Is that what you're after? It's yes. Okay. Cool.\n\nJust like okay. That should be a rush, I think. Yeah. Perfect. Yes.\n\nYes. Yep. Yeah. Okay. Yes.\n\nYep. Yeah. Yeah. Fair enough. Fair enough.\n\nI I did have a funny feeling. I thought it might have even been higher even. Yeah. Like yeah. But I still got my TPD, don't I, just in case for the future?\n\nDon't I? Yes. Yep. Oh, beautiful. Yeah.\n\nYep. Yep. That's good. That's good. Look.\n\nI don't think anything's gonna happen for Genoa gears anyway, but you just want that back up just in case. Because I did actually I got that scan, and they did say that there's a little bit of damage in the c c three, c four. So it could potentially give me grief later on, it sounds like. So yeah. Because it pinches.\n\nThat's right. Yeah. Yeah. That's right. You got it.\n\nAnd with that, Veronica, that one, like, you I think there's a 25%. You guys are the brokers for it, so you charge 25%. Like, if I had to go for TPD again and a life insurance, do I have to do a a different survey, or are you able to transfer it over to me so I don't have to do a full medical? No. You know how I heard that you said you said that you put a 25, like, broker free, like so say in five years' time, I think that that would be quite astronomical unless it's just on TPD.\n\nWas that you that said that there's, like, a a fee that you get for doing the insurance for us? Yes. I would have been yeah. Lovely. Rewards.\n\nYeah. Yep. Yep. Yeah. Okay.\n\nYeah. Okay. Beautiful. That's that's what I'd like to know. Yes.\n\nYeah. Yeah. Yeah. Yeah. Exactly right.\n\nYou got it. Yeah. And potentially just stay with them as well knowing that I've got something maybe. Yeah. Yeah.\n\nBeautiful. Yeah. Yeah. Yeah. Okay.\n\nYes. That's right. Yeah. And what happens, like like, say example, I went to RAC and tried to get coverage, and you don't say everything. You've gotta say everything because they'll bring up your doctor work, won't they?\n\nLike, if you did a claim yeah. If you did a claim or something, and you haven't said something. Say I didn't yeah. Say I didn't say I had a neck problem or something like that. It would come back and bite you in the bum anyway, wouldn't it?\n\nYes. Yes. Yes. Yes. Haven't got it anyway.\n\nI did read that as well. Yeah. Okay. Yep. So it's just better off being honest anyway.\n\nBest off just being honest. Is that correct? Yeah. Yeah. Yeah.\n\nYeah. Yes. Okay. Cool. Awesome.\n\nThank you. Not on the insurances now. I'm happy with all that. Yes. What it's about?\n\nSorry. Yes. About Harrison. Yes. Yes.\n\nYes. It's it's not Look. I did wanna speak to you about this. I thought we were gonna get in the time hold, but considering how the world is going at the moment, is it worth like, we'll start with Harrison. Is it worth doing anything right now, or or is it perfect timing because everything's down?\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. I think I might, sir Harry. Just I'll see what happens. I definitely am interested, but yeah. Like, it's doing alright with just it's monthly installments at the moment anyway.\n\nSo, yeah, we can talk about that one later. I you wouldn't believe this. I haven't even had a chance to look at what she did. Yeah. So Yeah.\n\nI reckon we might do that too because I wanna see what's going on, and it's gonna take a bit to recover anyway, Veronica. Yeah. Beautiful. Yeah. Yeah.\n\nSee, it's not long. Beautiful. Yeah. It's been frantic. Yeah.\n\nYeah. Yeah. Yeah. That's right. Yeah.\n\nYeah. Yeah. How much has the market gone down, Veronica, since the war has broke out? Which one? Yeah.\n\nYeah. Yeah. That's her. Yeah. Yes.\n\nYes. Yes. It's gone down. Okay. I wonder if I should just change those two.\n\nYeah. Yeah. Yeah. Okay. Okay.\n\nYeah. Okay. Yeah. Yeah. Do that then.\n\nVeronica, do that. Yeah. That's fine. Yes. No worries.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Maybe if you resend it, because it might be here. Yeah. Yeah. Beautiful.\n\nChanges. Okay. Yeah. That sounds wonderful. And it's come through today.\n\nYay. Yeah. Okay. Yes. Yeah.\n\nYes. Okay. Okay. Hold on. This is very important.\n\nSo just be very quiet. Okay. So that's very cool. Jaylene's recommended investment superannuation. Yep.\n\nYeah. Yeah. Oh, is that a is that a big yep. Is that, like yeah. It hasn't lost $16,000, has it?\n\nNo. Okay. Beautiful. Beautiful. Yeah.\n\nOkay. Lovely. Mhmm. Strategy recommendations. Is that the one?\n\nYeah. Oh, yes. Sorry. I've got, like, different pages. The different oh, yeah.\n\nYep. So yep. My Apple Chrome saying different. Mhmm. Mhmm.\n\nOkay. Yeah. Okay. It's gonna yeah. I kept it.\n\nYeah. Yeah. That's good. Okay. Yeah.\n\nOkay. Okay. Okay. Next. And then it says signature.\n\nSay? I I have chosen to vary the recommendation. Yes. It is going to let me. Alright.\n\nSo you said do you wanna proceed with the what was it? Child investment. Investment. Okay. Just the swap.\n\nSwap. Eight. Okay. Beautiful. Yep.\n\nSign all. Yeah. I just just pressed it. It's just trying to load. Yeah.\n\nYou've got it. It should be there. Good. Yeah. Beautiful.\n\nSounds good. And a question that I've got for those documents, it says download or close. You send all that information to me anyway, don't you, in email? So I don't really need to download it, do I? Yeah.\n\nOkay. Beautiful. Okay. Actually, yeah, I do need you to do my tax one for last financial year. I'm a little bit late on doing my tax, so I need my what would it be?\n\nThe 2024, 2025 information, everything, yeah, would be great. Thank you. Oh, no. I just wanted to know because I'm gonna get my tax done. So my accountant wants all the information, like, so yeah.\n\nI I did that last year. Just bear with me. I have no idea. Okay. Actually, he hasn't asked.\n\nI speak to you today. Here is a summary items needed for the 2025 financial year. No. Please clearance pay courses, etcetera. He hasn't actually asked for anything.\n\nMaybe it was because I changed over with you guys originally, and you had I had my own shares, and then you sold my shares and stuff. So that's probably why. So I don't need anything. Thank you. Yep.\n\nYeah. Okay. Beautiful. Beautiful. Thank you.\n\nYes. No. I think you've sorted everything out. Thank you very much, Veronica. You're amazing.\n\nOkay. Thank you. Well, you have a lovely day too or night, shall I say? Okay. No worries.\n\nTake care. Will do. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.64,"sentiment":"neutral","sentiment_score":0.03525213152170181},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.64,"end":5.14,"sentiment":"neutral","sentiment_score":0.030224351095966995},{"text":"Thanks.","start":14.0,"end":14.5,"sentiment":"positive","sentiment_score":0.4073445796966553},{"text":"Please stay on the line.","start":15.075,"end":16.375,"sentiment":"neutral","sentiment_score":0.3151347517967224},{"text":"Sounds good.","start":28.220001,"end":29.12,"sentiment":"positive","sentiment_score":0.47579325735569}],"sentiment":"neutral","sentiment_score":0.13813786409795284,"num_words":25,"start":0.24,"end":29.12},{"sentences":[{"text":"Hi, Veronica.","start":30.14,"end":30.960001,"sentiment":"neutral","sentiment_score":0.20443496108055115},{"text":"Yeah.","start":33.98,"end":34.38,"sentiment":"neutral","sentiment_score":0.2113959938287735},{"text":"Not bad.","start":34.38,"end":34.940002,"sentiment":"positive","sentiment_score":0.34232503175735474},{"text":"How are you?","start":34.940002,"end":35.760002,"sentiment":"neutral","sentiment_score":0.25496044258276623},{"text":"Yeah.","start":42.245,"end":42.645,"sentiment":"neutral","sentiment_score":0.08969312906265259}],"sentiment":"neutral","sentiment_score":0.2399433818128374,"num_words":9,"start":30.14,"end":42.645},{"sentences":[{"text":"No.","start":42.645,"end":42.885,"sentiment":"neutral","sentiment_score":0.10421931743621826},{"text":"It's fine.","start":42.885,"end":43.685,"sentiment":"neutral","sentiment_score":0.16705919802188873},{"text":"Look.","start":43.685,"end":43.925,"sentiment":"neutral","sentiment_score":0.13265123963356018},{"text":"I am gonna have you just on Bluetooth for a sec.","start":43.925,"end":47.265,"sentiment":"neutral","sentiment_score":0.10110309923237021},{"text":"See you, darling.","start":47.265,"end":48.165,"sentiment":"neutral","sentiment_score":0.3131001740694046}],"sentiment":"neutral","sentiment_score":0.1456901981598801,"num_words":18,"start":42.645,"end":48.165},{"sentences":[{"text":"Okay.","start":48.165,"end":48.665,"sentiment":"neutral","sentiment_score":0.17965131998062134},{"text":"Bye.","start":48.885,"end":49.385,"sentiment":"neutral","sentiment_score":0.16271942853927612},{"text":"But it'll be alright once we get home properly so we can chat.","start":50.085,"end":53.625,"sentiment":"neutral","sentiment_score":0.1869051571075733},{"text":"I I have.","start":56.18,"end":56.82,"sentiment":"neutral","sentiment_score":0.07512187709410985},{"text":"Thank you very 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code.","start":85.159996,"end":91.32,"sentiment":"neutral","sentiment_score":0.022660085044446446},{"text":"Yeah.","start":91.32,"end":91.64,"sentiment":"neutral","sentiment_score":0.029676031321287155},{"text":"I'll put the paper.","start":91.64,"end":92.939995,"sentiment":"neutral","sentiment_score":0.030262441840022802},{"text":"It's Jolene Ransom.","start":93.799995,"end":95.17999,"sentiment":"neutral","sentiment_score":0.03556429718931516},{"text":"11381977 And 2 Ellis Road, Merrick.","start":95.875,"end":100.615,"sentiment":"neutral","sentiment_score":0.03275218916436037}],"sentiment":"neutral","sentiment_score":0.026565531747681753,"num_words":35,"start":85.159996,"end":100.615},{"sentences":[{"text":"Wait.","start":105.075,"end":105.575,"sentiment":"neutral","sentiment_score":0.08574996888637543},{"text":"Is that what you're after?","start":105.634995,"end":106.854996,"sentiment":"neutral","sentiment_score":0.0700578510761261},{"text":"It's yes.","start":111.7,"end":112.74,"sentiment":"neutral","sentiment_score":0.07864562422037125},{"text":"Okay.","start":112.74,"end":113.06,"sentiment":"neutral","sentiment_score":0.12273906171321868},{"text":"Cool.","start":113.06,"end":113.46,"sentiment":"neutral","sentiment_score":0.13509438931941986}],"sentiment":"neutral","sentiment_score":0.0851163923740387,"num_words":10,"start":105.075,"end":113.46},{"sentences":[{"text":"Just like okay.","start":113.46,"end":119.38,"sentiment":"neutral","sentiment_score":0.08671818921963374},{"text":"That should be a rush, I think.","start":119.38,"end":120.84,"sentiment":"neutral","sentiment_score":0.1031727067061833},{"text":"Yeah.","start":123.86,"end":124.18,"sentiment":"neutral","sentiment_score":0.07021176815032959},{"text":"Perfect.","start":124.18,"end":124.68,"sentiment":"neutral","sentiment_score":0.14760006964206696},{"text":"Yes.","start":137.315,"end":137.76,"sentiment":"neutral","sentiment_score":0.051461175084114075}],"sentiment":"neutral","sentiment_score":0.09627973288297653,"num_words":13,"start":113.46,"end":137.76},{"sentences":[{"text":"Yes.","start":148.56,"end":149.06,"sentiment":"neutral","sentiment_score":-0.09004466235637665},{"text":"Yep.","start":149.12,"end":149.62,"sentiment":"neutral","sentiment_score":-0.0769142359495163},{"text":"Yeah.","start":162.25499,"end":162.575,"sentiment":"neutral","sentiment_score":-0.06782253086566925},{"text":"Okay.","start":162.575,"end":162.96,"sentiment":"neutral","sentiment_score":-0.031451672315597534},{"text":"Yes.","start":172.88,"end":173.38,"sentiment":"neutral","sentiment_score":0.04910072684288025}],"sentiment":"neutral","sentiment_score":-0.043426474928855895,"num_words":5,"start":148.56,"end":173.38},{"sentences":[{"text":"Yep.","start":184.375,"end":184.875,"sentiment":"neutral","sentiment_score":0.0743718147277832},{"text":"Yeah.","start":193.20001,"end":193.44,"sentiment":"neutral","sentiment_score":-0.009808652102947237},{"text":"Yeah.","start":193.44,"end":193.84001,"sentiment":"neutral","sentiment_score":0.018631990998983383},{"text":"Fair enough.","start":193.84001,"end":194.66,"sentiment":"neutral","sentiment_score":0.1284705176949501},{"text":"Fair enough.","start":194.8,"end":195.36,"sentiment":"neutral","sentiment_score":0.21672165393829346}],"sentiment":"neutral","sentiment_score":0.11051135669861521,"num_words":7,"start":184.375,"end":195.36},{"sentences":[{"text":"I I did have a funny feeling.","start":195.36,"end":197.28,"sentiment":"neutral","sentiment_score":0.11035366569246564},{"text":"I thought it might have even been higher even.","start":197.28,"end":200.18001,"sentiment":"neutral","sentiment_score":-0.010935968408981958},{"text":"Yeah.","start":201.68001,"end":202.18001,"sentiment":"neutral","sentiment_score":0.01531258225440979},{"text":"Like yeah.","start":202.32,"end":203.84001,"sentiment":"neutral","sentiment_score":0.008723289705812931},{"text":"But I still got my TPD, don't I, just in case for the future?","start":203.84001,"end":209.28499,"sentiment":"neutral","sentiment_score":-0.039907359917248995}],"sentiment":"neutral","sentiment_score":0.004488123242150654,"num_words":33,"start":195.36,"end":209.28499},{"sentences":[{"text":"Don't I?","start":209.345,"end":210.405,"sentiment":"neutral","sentiment_score":-0.04656556248664856},{"text":"Yes.","start":213.825,"end":214.325,"sentiment":"neutral","sentiment_score":0.0897601991891861},{"text":"Yep.","start":219.665,"end":220.165,"sentiment":"neutral","sentiment_score":-0.027646256610751152},{"text":"Oh, beautiful.","start":223.50499,"end":224.245,"sentiment":"positive","sentiment_score":0.37038595974445343},{"text":"Yeah.","start":233.72,"end":234.22,"sentiment":"neutral","sentiment_score":0.07432625442743301}],"sentiment":"neutral","sentiment_score":0.11201157021735396,"num_words":7,"start":209.345,"end":234.22},{"sentences":[{"text":"Yep.","start":235.8,"end":236.3,"sentiment":"neutral","sentiment_score":0.08671537041664124},{"text":"Yep.","start":236.44,"end":236.94,"sentiment":"neutral","sentiment_score":-0.003447678405791521},{"text":"That's good.","start":242.655,"end":243.375,"sentiment":"positive","sentiment_score":0.710380882024765},{"text":"That's good.","start":243.375,"end":243.935,"sentiment":"positive","sentiment_score":0.6670239865779877},{"text":"Look.","start":243.935,"end":244.335,"sentiment":"neutral","sentiment_score":0.015127110294997692}],"sentiment":"positive","sentiment_score":0.4076006485016218,"num_words":7,"start":235.8,"end":244.335},{"sentences":[{"text":"I don't think anything's gonna happen for Genoa gears anyway, but you just want that back up just in case.","start":244.335,"end":251.395,"sentiment":"neutral","sentiment_score":-0.04016785710118711},{"text":"Because I did actually I got that scan, and they did say that there's a little bit of damage in the c c three, c four.","start":252.175,"end":261.3,"sentiment":"neutral","sentiment_score":-0.1479740893611541},{"text":"So it could potentially give me grief later on, it sounds like.","start":261.3,"end":265.875,"sentiment":"neutral","sentiment_score":-0.11243757341677944},{"text":"So yeah.","start":265.955,"end":266.515,"sentiment":"neutral","sentiment_score":0.012563574127852917},{"text":"Because it pinches.","start":266.515,"end":267.575,"sentiment":"neutral","sentiment_score":0.04357184593876203}],"sentiment":"neutral","sentiment_score":-0.09276335968798588,"num_words":63,"start":244.335,"end":267.575},{"sentences":[{"text":"That's right.","start":275.635,"end":276.535,"sentiment":"neutral","sentiment_score":0.023272100370377302},{"text":"Yeah.","start":277.635,"end":278.135,"sentiment":"neutral","sentiment_score":0.023314278572797775},{"text":"Yeah.","start":279.155,"end":279.475,"sentiment":"neutral","sentiment_score":0.06242334842681885},{"text":"That's right.","start":279.475,"end":280.195,"sentiment":"neutral","sentiment_score":0.16010019928216934},{"text":"You got 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broker free, like so say in five years' time, I think that that would be quite astronomical unless it's just on TPD.","start":312.33002,"end":330.965,"sentiment":"neutral","sentiment_score":-0.13699004377581572}],"sentiment":"neutral","sentiment_score":-0.0530595938101984,"num_words":104,"start":281.37,"end":330.965},{"sentences":[{"text":"Was that you that said that there's, like, a a fee that you get for doing the insurance for us?","start":332.225,"end":340.34998,"sentiment":"neutral","sentiment_score":-0.04149070791900158},{"text":"Yes.","start":350.09,"end":350.59,"sentiment":"neutral","sentiment_score":0.10437246412038804},{"text":"I would have been 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something.","start":503.95,"end":508.93002,"sentiment":"neutral","sentiment_score":-0.0805949221054713},{"text":"Say I didn't yeah.","start":509.07,"end":510.83002,"sentiment":"neutral","sentiment_score":-0.13176021538674831},{"text":"Say I didn't say I had a neck problem or something like that.","start":510.83002,"end":515.27496,"sentiment":"neutral","sentiment_score":-0.1777381799541987},{"text":"It would come back and bite you in the bum anyway, wouldn't 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different.","start":1336.43,"end":1338.37,"sentiment":"neutral","sentiment_score":-0.009217486158013344},{"text":"Mhmm.","start":1345.87,"end":1346.355,"sentiment":"neutral","sentiment_score":0.2776763439178467},{"text":"Mhmm.","start":1346.355,"end":1346.855,"sentiment":"neutral","sentiment_score":0.28150859475135803}],"sentiment":"neutral","sentiment_score":0.054595137014985085,"num_words":10,"start":1334.5901,"end":1346.855},{"sentences":[{"text":"Okay.","start":1353.315,"end":1353.815,"sentiment":"neutral","sentiment_score":0.2016033232212067},{"text":"Yeah.","start":1361.155,"end":1361.395,"sentiment":"neutral","sentiment_score":0.08891591429710388},{"text":"Okay.","start":1361.395,"end":1361.82,"sentiment":"neutral","sentiment_score":0.16063734889030457},{"text":"It's gonna yeah.","start":1369.34,"end":1372.1399,"sentiment":"positive","sentiment_score":0.3651693065961202},{"text":"I kept 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good.","start":1380.655,"end":1381.475,"sentiment":"positive","sentiment_score":0.5318380892276764},{"text":"Okay.","start":1396.59,"end":1397.09,"sentiment":"neutral","sentiment_score":0.01600583642721176},{"text":"Yeah.","start":1397.47,"end":1397.87,"sentiment":"neutral","sentiment_score":0.02341211959719658}],"sentiment":"neutral","sentiment_score":0.31235210162897903,"num_words":6,"start":1377.855,"end":1397.87},{"sentences":[{"text":"Okay.","start":1397.87,"end":1398.37,"sentiment":"neutral","sentiment_score":0.01940963789820671},{"text":"Okay.","start":1403.79,"end":1404.29,"sentiment":"neutral","sentiment_score":0.02687076665461063},{"text":"Okay.","start":1404.945,"end":1405.445,"sentiment":"neutral","sentiment_score":0.025518212467432026},{"text":"Next.","start":1409.585,"end":1410.085,"sentiment":"neutral","sentiment_score":0.02648251876235008},{"text":"And then it says signature.","start":1413.4249,"end":1417.9249,"sentiment":"neutral","sentiment_score":0.02046853695064783}],"sentiment":"neutral","sentiment_score":0.02229153561509318,"num_words":9,"start":1397.87,"end":1417.9249},{"sentences":[{"text":"Say?","start":1420.0399,"end":1420.2,"sentiment":"neutral","sentiment_score":0.009855463169515131},{"text":"I I have chosen to vary the recommendation.","start":1420.2,"end":1425.34,"sentiment":"neutral","sentiment_score":0.03238904336467385},{"text":"Yes.","start":1429.7999,"end":1430.12,"sentiment":"neutral","sentiment_score":0.04394642263650894},{"text":"It is going to let me.","start":1430.12,"end":1431.735,"sentiment":"neutral","sentiment_score":0.068355826040109},{"text":"Alright.","start":1460.3251,"end":1460.5651,"sentiment":"neutral","sentiment_score":0.039308853447437286}],"sentiment":"neutral","sentiment_score":0.0448445907300886,"num_words":17,"start":1420.0399,"end":1460.5651},{"sentences":[{"text":"So you said do you wanna proceed with the what was it?","start":1460.5651,"end":1466.085,"sentiment":"neutral","sentiment_score":0.023153540523101885},{"text":"Child investment.","start":1466.085,"end":1470.185,"sentiment":"neutral","sentiment_score":0.0065712768118828535},{"text":"Investment.","start":1470.59,"end":1471.09,"sentiment":"neutral","sentiment_score":0.01753619872033596},{"text":"Okay.","start":1481.55,"end":1482.05,"sentiment":"neutral","sentiment_score":0.04587825387716293},{"text":"Just the swap.","start":1482.59,"end":1483.575,"sentiment":"neutral","sentiment_score":0.06053358813126882}],"sentiment":"neutral","sentiment_score":0.02821053983643651,"num_words":19,"start":1460.5651,"end":1483.575},{"sentences":[{"text":"Swap.","start":1485.1749,"end":1485.6749,"sentiment":"neutral","sentiment_score":0.0884130448102951},{"text":"Eight.","start":1496.695,"end":1496.855,"sentiment":"neutral","sentiment_score":0.1311589926481247},{"text":"Okay.","start":1496.855,"end":1497.255,"sentiment":"neutral","sentiment_score":0.32470035552978516},{"text":"Beautiful.","start":1497.255,"end":1497.755,"sentiment":"positive","sentiment_score":0.4602969288825989},{"text":"Yep.","start":1499.5,"end":1500.0,"sentiment":"neutral","sentiment_score":0.2160336673259735}],"sentiment":"neutral","sentiment_score":0.24412059783935547,"num_words":5,"start":1485.1749,"end":1500.0},{"sentences":[{"text":"Sign all.","start":1501.26,"end":1503.04,"sentiment":"neutral","sentiment_score":0.11809038743376732},{"text":"Yeah.","start":1510.4601,"end":1510.9601,"sentiment":"neutral","sentiment_score":0.024074817076325417},{"text":"I just just pressed it.","start":1511.02,"end":1512.505,"sentiment":"neutral","sentiment_score":0.027030845731496812},{"text":"It's just trying to load.","start":1512.505,"end":1513.805,"sentiment":"neutral","sentiment_score":0.04406336694955826},{"text":"Yeah.","start":1521.625,"end":1521.9451,"sentiment":"positive","sentiment_score":0.34323957562446594}],"sentiment":"neutral","sentiment_score":0.06849758792668581,"num_words":14,"start":1501.26,"end":1521.9451},{"sentences":[{"text":"You've got it.","start":1521.9451,"end":1522.925,"sentiment":"positive","sentiment_score":0.43939148386319477},{"text":"It should be there.","start":1522.985,"end":1524.0,"sentiment":"positive","sentiment_score":0.5448952615261078},{"text":"Good.","start":1529.76,"end":1530.26,"sentiment":"positive","sentiment_score":0.4624826312065125},{"text":"Yeah.","start":1549.74,"end":1550.24,"sentiment":"neutral","sentiment_score":0.13769349455833435},{"text":"Beautiful.","start":1558.78,"end":1559.1,"sentiment":"positive","sentiment_score":0.5305229425430298}],"sentiment":"positive","sentiment_score":0.4628454566001892,"num_words":10,"start":1521.9451,"end":1559.1},{"sentences":[{"text":"Sounds good.","start":1559.1,"end":1559.66,"sentiment":"positive","sentiment_score":0.46695300936698914},{"text":"And a question that I've got for those documents, it says download or close.","start":1559.66,"end":1565.945,"sentiment":"neutral","sentiment_score":-0.006170202711863177},{"text":"You send all that information to me anyway, don't you, in email?","start":1566.565,"end":1571.125,"sentiment":"neutral","sentiment_score":-0.012042337252448002},{"text":"So I don't really need to download it, do I?","start":1571.125,"end":1574.105,"sentiment":"neutral","sentiment_score":-0.032374157570302486},{"text":"Yeah.","start":1576.085,"end":1576.585,"sentiment":"neutral","sentiment_score":0.030700858682394028}],"sentiment":"neutral","sentiment_score":0.01051216453122787,"num_words":39,"start":1559.1,"end":1576.585},{"sentences":[{"text":"Okay.","start":1583.14,"end":1583.46,"sentiment":"neutral","sentiment_score":0.21947309374809265},{"text":"Beautiful.","start":1583.46,"end":1583.96,"sentiment":"positive","sentiment_score":0.5100865364074707},{"text":"Okay.","start":1592.02,"end":1592.415,"sentiment":"neutral","sentiment_score":0.11952777951955797},{"text":"Actually, yeah, I do need you to do my tax one for last financial year.","start":1599.295,"end":1606.93,"sentiment":"neutral","sentiment_score":0.005769208135704199},{"text":"I'm a little bit late on doing my tax, so I need my what would it be?","start":1607.55,"end":1612.03,"sentiment":"neutral","sentiment_score":-0.02783855954732965}],"sentiment":"neutral","sentiment_score":0.013210571983030864,"num_words":35,"start":1583.14,"end":1612.03},{"sentences":[{"text":"The 2024, 2025 information, everything, yeah, would be great.","start":1612.03,"end":1620.605,"sentiment":"neutral","sentiment_score":0.2961387756384081},{"text":"Thank you.","start":1620.605,"end":1621.345,"sentiment":"positive","sentiment_score":0.5510288178920746},{"text":"Oh, no.","start":1638.46,"end":1638.94,"sentiment":"neutral","sentiment_score":-0.06590907461941242},{"text":"I just wanted to know because I'm gonna get my tax done.","start":1638.94,"end":1642.62,"sentiment":"neutral","sentiment_score":-0.034438928899665676},{"text":"So my accountant wants all the information, like, so yeah.","start":1642.62,"end":1649.405,"sentiment":"neutral","sentiment_score":0.0032852340489625933}],"sentiment":"neutral","sentiment_score":0.09300210459956101,"num_words":35,"start":1612.03,"end":1649.405},{"sentences":[{"text":"I I did that last year.","start":1649.545,"end":1651.165,"sentiment":"neutral","sentiment_score":0.013243253498027721},{"text":"Just bear with me.","start":1665.3501,"end":1666.65,"sentiment":"neutral","sentiment_score":-0.05596421007066965},{"text":"I have no idea.","start":1670.55,"end":1671.6901,"sentiment":"neutral","sentiment_score":-0.19961178302764893},{"text":"Okay.","start":1672.2301,"end":1672.7301,"sentiment":"neutral","sentiment_score":-0.0398578979074955},{"text":"Actually, he hasn't asked.","start":1675.385,"end":1676.845,"sentiment":"neutral","sentiment_score":-0.049224916845560074}],"sentiment":"neutral","sentiment_score":-0.062084316668149675,"num_words":19,"start":1649.545,"end":1676.845},{"sentences":[{"text":"I speak to you today.","start":1677.785,"end":1679.0651,"sentiment":"neutral","sentiment_score":-0.016053115390241145},{"text":"Here is a summary items needed for the 2025 financial year.","start":1679.0651,"end":1684.285,"sentiment":"neutral","sentiment_score":0.01001828612590378},{"text":"No.","start":1685.0651,"end":1685.5651,"sentiment":"neutral","sentiment_score":-0.03364001214504242},{"text":"Please clearance pay courses, etcetera.","start":1685.625,"end":1688.58,"sentiment":"neutral","sentiment_score":-0.04043393731117249},{"text":"He hasn't actually asked for anything.","start":1688.72,"end":1690.58,"sentiment":"neutral","sentiment_score":-0.07271683278183143}],"sentiment":"neutral","sentiment_score":-0.02293482589136277,"num_words":28,"start":1677.785,"end":1690.58},{"sentences":[{"text":"Maybe it was because I changed over with you guys originally, and you had I had my own shares, and then you sold my shares and stuff.","start":1690.7999,"end":1701.515,"sentiment":"neutral","sentiment_score":-0.051173944785087196},{"text":"So that's probably why.","start":1701.515,"end":1703.375,"sentiment":"neutral","sentiment_score":-0.0696197347715497},{"text":"So I don't need anything.","start":1703.995,"end":1705.535,"sentiment":"neutral","sentiment_score":-0.12269149571657181},{"text":"Thank you.","start":1705.675,"end":1706.415,"sentiment":"neutral","sentiment_score":0.02602701634168625},{"text":"Yep.","start":1715.355,"end":1715.64,"sentiment":"neutral","sentiment_score":0.04138918220996857}],"sentiment":"neutral","sentiment_score":-0.05590230030700182,"num_words":39,"start":1690.7999,"end":1715.64},{"sentences":[{"text":"Yeah.","start":1719.4,"end":1719.64,"sentiment":"neutral","sentiment_score":0.04203616082668304},{"text":"Okay.","start":1719.64,"end":1719.96,"sentiment":"neutral","sentiment_score":0.11495384573936462},{"text":"Beautiful.","start":1719.96,"end":1720.46,"sentiment":"positive","sentiment_score":0.5110501646995544},{"text":"Beautiful.","start":1720.68,"end":1721.18,"sentiment":"positive","sentiment_score":0.7035449743270874},{"text":"Thank you.","start":1721.3201,"end":1722.06,"sentiment":"positive","sentiment_score":0.6795013248920441}],"sentiment":"positive","sentiment_score":0.4550979658961296,"num_words":6,"start":1719.4,"end":1722.06},{"sentences":[{"text":"Yes.","start":1728.28,"end":1728.645,"sentiment":"neutral","sentiment_score":0.04177799075841904},{"text":"No.","start":1733.2051,"end":1733.525,"sentiment":"neutral","sentiment_score":-0.07075773179531097},{"text":"I think you've sorted everything out.","start":1733.525,"end":1735.685,"sentiment":"neutral","sentiment_score":-0.02983452131350835},{"text":"Thank you very much, Veronica.","start":1735.685,"end":1737.225,"sentiment":"positive","sentiment_score":0.35354703664779663},{"text":"You're amazing.","start":1738.085,"end":1738.8251,"sentiment":"positive","sentiment_score":0.4572924077510834}],"sentiment":"neutral","sentiment_score":0.16495554198821386,"num_words":15,"start":1728.28,"end":1738.8251},{"sentences":[{"text":"Okay.","start":1749.99,"end":1750.39,"sentiment":"neutral","sentiment_score":0.26974713802337646},{"text":"Thank you.","start":1750.39,"end":1751.03,"sentiment":"positive","sentiment_score":0.45108160376548767},{"text":"Well, you have a lovely day too or night, shall I say?","start":1751.03,"end":1754.25,"sentiment":"positive","sentiment_score":0.4762971041103204},{"text":"Okay.","start":1762.145,"end":1762.645,"sentiment":"neutral","sentiment_score":0.14673471450805664},{"text":"No worries.","start":1762.705,"end":1763.265,"sentiment":"neutral","sentiment_score":0.19589677453041077}],"sentiment":"positive","sentiment_score":0.4125557699137264,"num_words":18,"start":1749.99,"end":1763.265},{"sentences":[{"text":"Take care.","start":1763.265,"end":1764.005,"sentiment":"neutral","sentiment_score":0.25989924371242523},{"text":"Will do.","start":1766.625,"end":1767.1849,"sentiment":"neutral","sentiment_score":0.21679949760437012},{"text":"Bye.","start":1767.1849,"end":1767.6849,"sentiment":"neutral","sentiment_score":0.16109895706176758}],"sentiment":"neutral","sentiment_score":0.22289928793907166,"num_words":5,"start":1763.265,"end":1767.6849}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Veronica OQ Financial?\n\nChannel 1: Thanks. Please stay on the line. Sounds good. Hi, Veronica.\n\nChannel 0: Hi, Jolene. How are you?\n\nChannel 1: Yeah. Not bad. How are you?\n\nChannel 0: Good. Thanks. I just had you booked in for a bit of a catch up. Is now still a good time?\n\nChannel 1: Yeah. No. It's fine. Look. I am gonna have you just on Bluetooth for a\n\nChannel 0: Yeah.\n\nChannel 1: sec. See you, darling. Okay. Bye.\n\nChannel 0: Yeah.\n\nChannel 1: But it'll be alright once we get home properly so we can chat.\n\nChannel 0: That's okay. No. That's okay. And it shouldn't take too long\n\nChannel 1: I I\n\nChannel 0: today\n\nChannel 1: have. Thank\n\nChannel 0: either.\n\nChannel 1: you very much. Bye. Sorry.\n\nChannel 0: No. That's okay. It shouldn't take too long today either. It is a pretty quick one. But just like usual, just need to let you know that our calls are being recorded for coaching and and training purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And even though I can hear that it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: No worries. If I have anything to worry about, I will give you those details, but then I'll have to adjust my code. Yeah. I'll put\n\nChannel 0: Sure.\n\nChannel 1: the paper. It's Jolene Ransom. 11381977 And 2 Ellis Road, Merrick.\n\nChannel 0: Perfect.\n\nChannel 1: Wait.\n\nChannel 0: Just let\n\nChannel 1: Is that what you're after?\n\nChannel 0: yes. Perfect. Just let me know when you have adjusted the the phone.\n\nChannel 1: It's\n\nChannel 0: And\n\nChannel 1: yes.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Cool. Just like\n\nChannel 0: Sure.\n\nChannel 1: okay. That should be a rush, I think.\n\nChannel 0: Yes. I can hear you. Can you hear me okay?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Yeah. Perfect. So, essentially, pretty quick one. We have I've had heard back from the insurers after the preassessment to see if we could have a look at that for my insurance for you. Do you remember that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yeah. Perfect. So I have heard back from all the insurers, and they all have said that at the moment, they are not willing to offer cover.\n\nChannel 1: Yes. Yep.\n\nChannel 0: It doesn't mean that we can't look at it down the track. But simply right now, if there is more than kind of three things happening, they just don't really offer anything at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: yeah. So, unfortunately, we can't get from it right now, but it doesn't mean that we can't reassess it again at next annual review or if anything changes health wise for you. Sometimes it's\n\nChannel 1: Yes.\n\nChannel 0: also just a matter of a time frame. Sometimes if a bit a bit longer, they're happy to do it. So, yeah, unfortunately, at the moment, we can't apply for at least we looked at it, and we know which is great. And I'll make a little\n\nChannel 1: Yep.\n\nChannel 0: note that, you know, if anything changes or next time we talk, we can kind of just reassess that because it doesn't mean that we'll never get it. It's just not right now.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Fair enough. Fair\n\nChannel 0: Perfect.\n\nChannel 1: enough. I I did have a funny feeling. I thought\n\nChannel 0: Yeah.\n\nChannel 1: it might have even been higher even.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Like yeah. But I still got my TPD, don't I, just in case for the future? Don't\n\nChannel 0: Let\n\nChannel 1: I?\n\nChannel 0: me have a look. So, yes, you do. You're very much through.\n\nChannel 1: Yes.\n\nChannel 0: So you still you still have your towel. Now towel, we didn't do this pre assessment with them. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: We just kind of did it as a blind, so they don't know anything. Because\n\nChannel 1: Oh,\n\nChannel 0: your,\n\nChannel 1: beautiful.\n\nChannel 0: yeah, because your tel cover, it is underwritten already, that's safe place. So if anything, you know, you need to claim on anything recent or whatever\n\nChannel 1: Yeah.\n\nChannel 0: it might be, you are still covered. So you\n\nChannel 1: Yep.\n\nChannel 0: still have\n\nChannel 1: Yep.\n\nChannel 0: about 323,000 worth of life and PCD if something were to happen.\n\nChannel 1: That's good. That's good.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Look. I don't think anything's gonna happen\n\nChannel 0: Yeah.\n\nChannel 1: for Genoa gears anyway,\n\nChannel 0: Yeah.\n\nChannel 1: but you just\n\nChannel 0: Yeah.\n\nChannel 1: want\n\nChannel 0: Exactly.\n\nChannel 1: that back up just in case. Because I did actually I got that scan, and they did say that there's a little bit of damage in the c c three, c four. So it could potentially give me grief\n\nChannel 0: Yeah.\n\nChannel 1: later on,\n\nChannel 0: Yeah.\n\nChannel 1: it\n\nChannel 0: Yeah.\n\nChannel 1: sounds like. So\n\nChannel 0: And then\n\nChannel 1: yeah. Because\n\nChannel 0: you rather\n\nChannel 1: it pinches.\n\nChannel 0: you rather have the peace of mind that if you need a bit of assistance from an insurance policy, if something were to happen, hopefully, it doesn't,\n\nChannel 1: That's\n\nChannel 0: but\n\nChannel 1: right.\n\nChannel 0: if it is, you at least\n\nChannel 1: Yeah.\n\nChannel 0: have that.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's right. You got it. And\n\nChannel 0: Exactly.\n\nChannel 1: with that, Veronica, that one, like, you I think there's a 25%. You guys are the brokers for it, so you charge 25%. Like, if I had to go for TPD again and a life insurance, do I have to do a a different survey, or are you able to transfer it over to me so I don't have to do a full medical?\n\nChannel 0: If you need to claim, do you mean, or what\n\nChannel 1: No.\n\nChannel 0: do you mean?\n\nChannel 1: You know how I heard that you said you said that you put a 25, like, broker free, like so say in five years' time, I think that that would be quite astronomical unless it's just on TPD. Was that you that said that there's, like, a a fee that you get for doing the insurance for us?\n\nChannel 0: Yes and no. So, no, there's no fee. We don't charge you don't pay anything for the insurances at all. We do get\n\nChannel 1: Yes.\n\nChannel 0: commissions from the insurers, so maybe that was it,\n\nChannel 1: I\n\nChannel 0: which is,\n\nChannel 1: would have been\n\nChannel 0: yeah,\n\nChannel 1: yeah.\n\nChannel 0: which is just 22% of the premium. But that is paying us. It has not you don't pay for it at all. It is just their kind\n\nChannel 1: Lovely.\n\nChannel 0: of it's just a process because\n\nChannel 1: Rewards.\n\nChannel 0: for the yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And it's like because\n\nChannel 1: Yep.\n\nChannel 0: as a client, you can't go to them directly and some liability point of stuff like that, tell\n\nChannel 1: Yep.\n\nChannel 0: and all insurance. And it's the same for every provider out there. So whichever provider you would go with, it is exactly the same. It's the same for every single adviser.\n\nChannel 1: Yeah.\n\nChannel 0: And it's,\n\nChannel 1: Okay.\n\nChannel 0: again, Pell paying us is not you paying us. So it doesn't impact, you know, your premium or anything like that.\n\nChannel 1: Yeah. Okay. Beautiful. That's\n\nChannel 0: Yeah.\n\nChannel 1: that's what I'd like to know.\n\nChannel 0: Yeah. No. So, yeah, there's no changes in that. And, obviously, because the do the premium does get more expensive the older you get because there is a higher risk, obviously, we\n\nChannel 1: Yes.\n\nChannel 0: can always reassess that. So if it is that you feel like it's getting expensive, at the moment, it's still quite affordable. It's about a thousand\n\nChannel 1: Yeah.\n\nChannel 0: dollars, 99. So it's still quite affordable for what you have. But\n\nChannel 1: Yeah.\n\nChannel 0: if, you know, next time you review, you feel like, okay. It's gone up a little bit. We can always reduce that depending on what is happening. But\n\nChannel 1: Yeah.\n\nChannel 0: then if there is a chance that you needed, you also wanna make sure that, you know, you have cover in place.\n\nChannel 1: Yeah. Exactly right.\n\nChannel 0: Yeah.\n\nChannel 1: You got it. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And potentially just stay with them as well\n\nChannel 0: Yes. Yes.\n\nChannel 1: knowing that I've got something maybe.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Because\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: Beautiful.\n\nChannel 0: what what would happen with new cover is that they would put so every time there is a preexisting condition, they will place something that's called an exclusion on the policy or\n\nChannel 1: Yeah.\n\nChannel 0: a loading. An exclusion means that they are actually taking away something that you're not covered for. So\n\nChannel 1: Yeah.\n\nChannel 0: if there is a if you have neck pain or, you know, any mental health or nerve, anything, the insurance will say it's too high of a risk. We're not covering that, which then\n\nChannel 1: Yeah.\n\nChannel 0: kind of at the moment, you have more cover. So we wanna make sure that if something were to happen, especially if there is something going on, you are covered for those things.\n\nChannel 1: Okay. Yes. That's right.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. And what happens, like like, say example, I went to RAC and tried to get coverage, and you don't say everything. You've gotta say everything because they'll bring up your doctor work, won't they?\n\nChannel 0: For car insurance,\n\nChannel 1: Like,\n\nChannel 0: do you\n\nChannel 1: if\n\nChannel 0: mean?\n\nChannel 1: you did a claim yeah. If you did a claim or something, and you haven't said\n\nChannel 0: Car\n\nChannel 1: something.\n\nChannel 0: insurance?\n\nChannel 1: Say I didn't yeah. Say I didn't\n\nChannel 0: Yeah.\n\nChannel 1: say I had a neck problem or something like that.\n\nChannel 0: I\n\nChannel 1: It would come back and bite you in the bum anyway, wouldn't it?\n\nChannel 0: for this for for personal risk insurance, yes. Car insurance is\n\nChannel 1: Yes.\n\nChannel 0: general insurance, it is a little bit different. So I'm not sure with if you need to claim on, like, a car or something like that. But\n\nChannel 1: Yes.\n\nChannel 0: for this yeah. So if it was that we went through these questions, for example, and you said, no.\n\nChannel 1: Yes.\n\nChannel 0: I don't have any issues. You get cover, and then you need to claim on something. They will request some medical reports. And if that then shows you that, hey. You were being, you know, not truthful, what they can\n\nChannel 1: Yes.\n\nChannel 0: then do is, okay. Well, you haven't been honest when making your declaration so they can actually cancel the cover, and then you've paid for something you can't claim on.\n\nChannel 1: Haven't\n\nChannel 0: So\n\nChannel 1: got it anyway. I\n\nChannel 0: Exactly.\n\nChannel 1: did read that as well.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it is important to be truthful because we wanna make sure that there is no gray area that if you need to claim on\n\nChannel 1: Yep.\n\nChannel 0: anything, it's, you know, all set. But\n\nChannel 1: So\n\nChannel 0: it\n\nChannel 1: it's\n\nChannel 0: is\n\nChannel 1: just\n\nChannel 0: a good question.\n\nChannel 1: better off being honest anyway. Best\n\nChannel 0: 100\n\nChannel 1: off\n\nChannel 0: percent.\n\nChannel 1: just being honest. Is that correct?\n\nChannel 0: 100%. Because we have\n\nChannel 1: Yeah.\n\nChannel 0: seen instances where people have said, unfortunately, like, no. No. No. It's all good. And then something happens.\n\nAnd it was like, okay. Well, if you were honest,\n\nChannel 1: Yeah.\n\nChannel 0: then with time, sometimes you can remove an exclusion and you would be covered. But even though it happened, let's say, ten years ago, but at the time you applied for it, you weren't honest, they can still cancel\n\nChannel 1: Yeah.\n\nChannel 0: it because they have an out. So we definitely wanna be honest with everything so you have cover.\n\nChannel 1: Yeah.\n\nChannel 0: Because the last thing we want is for you for paying for something, and then the insurers are gonna back out because that obviously defeats the purpose of protecting you.\n\nChannel 1: Yes. Okay. Cool. Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: No. That's okay. Do you have any other questions with the insurances otherwise, Dilly?\n\nChannel 1: Not on the insurances\n\nChannel 0: No?\n\nChannel 1: now. I'm happy with all that. Yes.\n\nChannel 0: Perfect. The other thing while I do have you on the phone, it was just to see because your the SOA that we went through in January actually expired three days ago.\n\nChannel 1: What it's about? Sorry.\n\nChannel 0: The, you know, the recommendation we went through in January\n\nChannel 1: Yes.\n\nChannel 0: that has\n\nChannel 1: About\n\nChannel 0: just\n\nChannel 1: Harrison.\n\nChannel 0: it was a bit of everything. So we talked about swapping some of\n\nChannel 1: Yes.\n\nChannel 0: your super investments to a little bit better performing one. We did also had the\n\nChannel 1: Yes.\n\nChannel 0: the child investment in there.\n\nChannel 1: Yes.\n\nChannel 0: Now I can potentially see if I can get at the\n\nChannel 1: It's\n\nChannel 0: managers\n\nChannel 1: it's not\n\nChannel 0: to approve if you sign it. But what are your thoughts? Because you can make variations. If you don't want the child bond and you only wanted to sue, but that's okay. There is no pressure on whatever you wanted to do.\n\nOr if you didn't wanna do anything, that's also okay.\n\nChannel 1: Look. I did wanna speak to you about this. I thought we were gonna get in the time hold, but considering how the world is going\n\nChannel 0: Yeah.\n\nChannel 1: at the moment, is it worth like, we'll start with Harrison. Is it worth doing anything right now, or\n\nChannel 0: It is it\n\nChannel 1: or\n\nChannel 0: is\n\nChannel 1: is\n\nChannel 0: a\n\nChannel 1: it\n\nChannel 0: good\n\nChannel 1: perfect timing because everything's down?\n\nChannel 0: exactly. It is it is a tricky thing because you don't obviously have a crystal ball. You don't know what's going to happen. But it is kind of like you said that that while prices are down, it is potentially a good time to buy while it is down because that means you can also buy at a discount.\n\nChannel 1: Yes.\n\nChannel 0: It also\n\nChannel 1: Yes.\n\nChannel 0: means though that you have to be okay with a bit of fluctuation because in the last twelve months, there have been a bit of fluctuation. Even if it's more of a\n\nChannel 1: Yes.\n\nChannel 0: long term investment, long term not too concerned because the investments and everything we have selected are based on more your your fundamental. And if there were kind of structural issues, it's always something you can review anyway. So it's not like if we choose one investment that we foresee it not being too good, then we can always change it. That\n\nChannel 1: Yes.\n\nChannel 0: still goes for the investment bond. But at the same time, because, obviously, interest and everything is going up, a lot of\n\nChannel 1: Yes.\n\nChannel 0: people are struggling with cash flow and stuff like that. So it's also\n\nChannel 1: Yes.\n\nChannel 0: dependent on how you feel. Because if you feel like you're a bit worried about, you know, bills and expenses and you wanna hold off with the investment bond until it's a bit more settled, that's also perfectly\n\nChannel 1: I\n\nChannel 0: fine.\n\nChannel 1: think I might, sir Harry.\n\nChannel 0: Yeah.\n\nChannel 1: Just\n\nChannel 0: Yeah.\n\nChannel 1: I'll see what happens.\n\nChannel 0: Yes. And\n\nChannel 1: I\n\nChannel 0: we\n\nChannel 1: definitely\n\nChannel 0: could reassess\n\nChannel 1: am interested,\n\nChannel 0: it.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Like, it's doing alright with\n\nChannel 0: Yeah.\n\nChannel 1: just it's monthly installments\n\nChannel 0: Yeah.\n\nChannel 1: at the moment anyway.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, we can talk about that one later.\n\nChannel 0: Yes.\n\nChannel 1: I you wouldn't believe this. I haven't\n\nChannel 0: Yeah.\n\nChannel 1: even had a chance to look at what she did.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: How\n\nChannel 1: So\n\nChannel 0: how much time do you think you'd need? Just because it has expired, so, technically, it would mean we'd have to redo everything. If\n\nChannel 1: Yeah.\n\nChannel 0: it's if we're just ignoring, obviously, the the investment bond for now, we can reassess that at your annual review, which is coming up, you know, a bit later in the year. We can always see how things are looking then. If it's more\n\nChannel 1: I reckon\n\nChannel 0: just\n\nChannel 1: we might do that too because I wanna see what's going on,\n\nChannel 0: yeah. Yeah.\n\nChannel 1: and it's gonna take a bit to recover anyway,\n\nChannel 0: Yeah.\n\nChannel 1: Veronica.\n\nChannel 0: Yeah. We\n\nChannel 1: Yeah.\n\nChannel 0: can do that. So I can just put a pause on this right now. And\n\nChannel 1: Beautiful.\n\nChannel 0: then we do have I mean, if you change your mind at any point, you can always let me know. Otherwise,\n\nChannel 1: Yeah.\n\nChannel 0: we do have your annual review coming up in around July. If you\n\nChannel 1: Yeah.\n\nChannel 0: wanted\n\nChannel 1: See, it's\n\nChannel 0: to bring\n\nChannel 1: not\n\nChannel 0: it\n\nChannel 1: long. Beautiful.\n\nChannel 0: no. But if it was that you wanted to bring it forward, just give me a call or send me an email. We can definitely bring it forward. Otherwise, we can leave everything for now because if you haven't had time either, I don't wanna stress you as well.\n\nChannel 1: Yeah.\n\nChannel 0: We wanna\n\nChannel 1: It's\n\nChannel 0: make\n\nChannel 1: been\n\nChannel 0: sure you\n\nChannel 1: frantic.\n\nChannel 0: take your\n\nChannel 1: Yeah.\n\nChannel 0: time. Yeah. And we can always\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: reassess it then, through some update to the device and maybe other things have changed, so we wanna swap some other things out. But\n\nChannel 1: Yeah.\n\nChannel 0: at least\n\nChannel 1: That's\n\nChannel 0: it\n\nChannel 1: right.\n\nChannel 0: it gives us a bit of time. So if you're happy with that, I'll make a note that we'll just leave it for now and then touch\n\nChannel 1: Yeah.\n\nChannel 0: base. If we don't hear from you, we'll touch base around July and then\n\nChannel 1: Yeah.\n\nChannel 0: do an interview and kind of see where everything's at and if we then wanted to look at making some changes.\n\nChannel 1: Yeah. How\n\nChannel 0: Yeah.\n\nChannel 1: much has the market gone down, Veronica, since the war has\n\nChannel 0: Let\n\nChannel 1: broke\n\nChannel 0: me\n\nChannel 1: out?\n\nChannel 0: have a look into your account. Let me see here. So some it's one of those things that some investments, like your defensive investments, are still kind of doing okay\n\nChannel 1: Which\n\nChannel 0: in\n\nChannel 1: one?\n\nChannel 0: a your like, some of your defensive investments are still doing okay.\n\nChannel 1: Yeah.\n\nChannel 0: But let me see if I can just pull this up for you. Just bear with me. And it's one of those things as well that some investments when it is kind of are sometimes benefiting from, you know, different things, whereas others,\n\nChannel 1: Yeah.\n\nChannel 0: not so much.\n\nChannel 1: Yeah. That's\n\nChannel 0: So,\n\nChannel 1: her.\n\nChannel 0: essentially, for you, there is only two investments that's down, and that is your Benelon Australian Equities, which is the one we were kind of focusing on switching for you.\n\nChannel 1: Yeah.\n\nChannel 0: That one is down 23%. Now this is in a twelve month period.\n\nChannel 1: Yes. Yes.\n\nChannel 0: The other one is your beta shares global cybersecurity, and that is pretty\n\nChannel 1: Yes.\n\nChannel 0: and that's about 11% in twelve months after fees\n\nChannel 1: It's\n\nChannel 0: as\n\nChannel 1: gone\n\nChannel 0: well.\n\nChannel 1: down. Okay.\n\nChannel 0: Yeah. So\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: wonder\n\nChannel 0: cyber\n\nChannel 1: if I should just change those two.\n\nChannel 0: the when I did research on your super investments, I did very much suggest that we should swap Bennelong. Now I did, just for your reference,\n\nChannel 1: Yeah.\n\nChannel 0: with the invest because that was the only thing we were doing. So I do think\n\nChannel 1: Yeah.\n\nChannel 0: swapping because Bennitude a lot of the research, the Bennelong investment originally was really good. More recently, we have seen that I don't think it's going to be the best opportunity moving forward\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: Okay.\n\nChannel 0: Bennelong. Now with\n\nChannel 1: Okay.\n\nChannel 0: with, which is the only thing we were swapping out, Now that was the investment. So what we were doing was to just rebalance your portfolio a little bit, keeping all the\n\nChannel 1: Yeah.\n\nChannel 0: investments,\n\nChannel 1: Okay.\n\nChannel 0: and we were only swapping Benelon for another option that has performed a bit better, and that was\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Affinity.\n\nChannel 1: Do that then. Veronica,\n\nChannel 0: Okay.\n\nChannel 1: do that.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: That's\n\nChannel 0: in\n\nChannel 1: fine.\n\nChannel 0: in order for me to do that change, I do need you to sign the document to authorize it. So\n\nChannel 1: Yes. No worries.\n\nChannel 0: what I can do is do you still have access to it? Otherwise, I can while I have you on the phone, I can see if I can resend it, and then I will guide you to making a note to say that we're leaving the investment bond for now. Because you can make that on the document just to say that you don't want to go ahead with that, and we can leave that for now and only literally changing the investment. Because I do think as well from the reasons that Benelon has underperformed, so I think it is good to\n\nChannel 1: Yeah.\n\nChannel 0: get out of that. The cybersecurity,\n\nChannel 1: Yeah.\n\nChannel 0: I'm not too concerned about because it's a bit more of like a cyclical what is going on. The tech industry\n\nChannel 1: Yeah.\n\nChannel 0: as a whole has seen a bit of fluctuations, but even the the tech space, long term AI technology, there is so many opportunities in that space long term. It is just kind of a bit of a a bump on that. But\n\nChannel 1: Yeah.\n\nChannel 0: the Benelon we\n\nChannel 1: Yeah.\n\nChannel 0: do to see so let me see if I can find the document. Alright. So I can resend this here for you.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Maybe if you resend it, because it might be here.\n\nChannel 0: Yeah. And I will speak to management and say because we're literally only changing that investment, we and there's nothing major that's changed for you, then\n\nChannel 1: Yeah.\n\nChannel 0: I'm sure I can get approval to just make that switch, especially sooner rather than later for you. And especially\n\nChannel 1: Yeah.\n\nChannel 0: if we're\n\nChannel 1: Beautiful.\n\nChannel 0: leaving the investment bonds, we're not doing any other changes. So\n\nChannel 1: Changes. Okay. Yeah.\n\nChannel 0: yeah. So\n\nChannel 1: That sounds\n\nChannel 0: I've just\n\nChannel 1: wonderful.\n\nChannel 0: I've just sent that to you.\n\nChannel 1: And it's come through today. Yay.\n\nChannel 0: Yeah. Perfect. I I I will show you as other investment I'm talking about. And this document, you have access to with spouse. If you have any question, let me know.\n\nBut, literally, the only change was that Benelung investment through an alternative option.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Now let me so when you click on the documents, you should see\n\nChannel 1: Yes.\n\nChannel 0: statement of advice. Can you see that?\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Yep. Now if you wanna scroll down to me or for me to page 16. And it should see a heading where it says recommended investment.\n\nChannel 1: Okay. Okay. Hold on. This is very important. So just be very quiet.\n\nOkay. So that's very cool. Jaylene's recommended investment\n\nChannel 0: Investment?\n\nChannel 1: superannuation.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Exactly. So what you can kind of see here is a lot of it the red is what we are rebalancing for you. So just basically bringing it back to the risk profile. We're not changing any of those investments. The only one we are completely selling out of is your Benelung Australian equity, which is the second one from the bottom where it says 0%.\n\nCan you see that?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That is the\n\nChannel 1: Oh,\n\nChannel 0: only\n\nChannel 1: is that\n\nChannel 0: one\n\nChannel 1: a\n\nChannel 0: we are are that that is the only\n\nChannel 1: is that\n\nChannel 0: one we\n\nChannel 1: a\n\nChannel 0: are\n\nChannel 1: big\n\nChannel 0: selling.\n\nChannel 1: yep.\n\nChannel 0: Sorry.\n\nChannel 1: Is that, like yeah. It hasn't lost $16,000, has\n\nChannel 0: No.\n\nChannel 1: it? No.\n\nChannel 0: That is just that's just the money we are selling. The only reason it's red is because we are selling it. It's it's not\n\nChannel 1: Okay. Beautiful.\n\nChannel 0: because it's lost. Yeah. No. No. And then the one underneath bend along is that we're swapping it for.\n\nSo we're basically\n\nChannel 1: Beautiful.\n\nChannel 0: swapping the those across.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Okay. Lovely.\n\nChannel 0: it's very similar, still focusing on the Australian equity. It's just another option. Now if you wanna scroll up just so you can see it again, scroll up to\n\nChannel 1: Mhmm.\n\nChannel 0: page 12 for me.\n\nChannel 1: Strategy recommendations. Is that the one? Yeah.\n\nChannel 0: Investment returns recommended, like the table with the numbers.\n\nChannel 1: Oh, yes. Sorry.\n\nChannel 0: Yes.\n\nChannel 1: I've got, like, different pages.\n\nChannel 0: Because\n\nChannel 1: The different\n\nChannel 0: of the the\n\nChannel 1: oh,\n\nChannel 0: cover\n\nChannel 1: yeah. Yep.\n\nChannel 0: page.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yep. My Apple\n\nChannel 0: So\n\nChannel 1: Chrome saying different.\n\nChannel 0: no. That's okay. Now, basically, we're just making that investment switch. You will see\n\nChannel 1: Mhmm.\n\nChannel 0: that the\n\nChannel 1: Mhmm.\n\nChannel 0: fees are a bit cheaper, so it's about $777 cheaper, which is good. And\n\nChannel 1: Okay.\n\nChannel 0: then if you look at where it's just the five year rolling average, that's the performance on the portfolio, and that is using\n\nChannel 1: Yeah. Okay.\n\nChannel 0: your five year rolling average. So making the switch, again, just kind of getting out of Bennelong makes it cheaper,\n\nChannel 1: It's\n\nChannel 0: but\n\nChannel 1: gonna\n\nChannel 0: it improves the return. So that is\n\nChannel 1: yeah.\n\nChannel 0: literally\n\nChannel 1: I kept it.\n\nChannel 0: what we are if you're happy to do that, then I think doing that\n\nChannel 1: Yeah.\n\nChannel 0: change is good.\n\nChannel 1: Yeah. That's good.\n\nChannel 0: And then so, basically, if you wanna click it should say sign now, but I'll get you to write the the variations as well just with the investment bond to say that we don't wanna do that right\n\nChannel 1: Okay.\n\nChannel 0: now.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Does it allow you so let me know how you go because it can be a bit tricky.\n\nChannel 1: Okay. Okay. Next.\n\nChannel 0: Yep.\n\nChannel 1: And then it says signature. Say? I I have chosen to vary the recommendation.\n\nChannel 0: Yes. Yes. Does it allow you to type anything there?\n\nChannel 1: Yes. It is going to let me.\n\nChannel 0: Perfect. So here is where you can type you can type it in your own words, but to just say that you don't want to proceed with the child investment at this stage, something along those lines, and that's all I need to to let the team know that we're not doing that, and we can reassess it later. But we can still go ahead with just the super switch alone.\n\nChannel 1: Alright. So you said do you wanna proceed with the what was it? Child\n\nChannel 0: The child investment bond.\n\nChannel 1: investment. Investment. Okay. Just the swap.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Swap.\n\nChannel 0: Exactly. You can just do just the investment, just the super swaps.\n\nChannel 1: Eight. Okay. Beautiful.\n\nChannel 0: And then we\n\nChannel 1: Yep.\n\nChannel 0: can go through that that for you so\n\nChannel 1: Sign\n\nChannel 0: we can get them\n\nChannel 1: all.\n\nChannel 0: out of the way. And when you have added the signature and the date, does it say, like, finish or complete or something like that?\n\nChannel 1: Yeah. I just just pressed it. It's just trying to load.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah. You've got it. It should be\n\nChannel 0: Perfect.\n\nChannel 1: there.\n\nChannel 0: Sometimes it does take a oh, actually, no. It has come through already, which is great. So I will\n\nChannel 1: Good.\n\nChannel 0: make a note on my end as well to say we're leaving the investment bond for now when it's a bit more certainty in the market, which even in July, we might have a bit more, and we can always reassess it at the annual review. But like I said, if anything changes and you wanna look at it sooner, by all means, just send me an email or give me a call, and we\n\nChannel 1: Yeah.\n\nChannel 0: can always do it sooner. But if not, it's not too far away as well, and it gives us a good chance to kind of review everything for you.\n\nChannel 1: Beautiful. Sounds good. And a question that I've got\n\nChannel 0: Yeah.\n\nChannel 1: for those documents, it says download or close. You send all that information to me anyway, don't you, in email? So I don't really need to download it, do I?\n\nChannel 0: No. Sorry. We always keep\n\nChannel 1: Yeah.\n\nChannel 0: a copy on file for everything. So if at any point in time you want a separate copy, we can send it through. It's always\n\nChannel 1: Okay. Beautiful.\n\nChannel 0: saved in your order like, in your Odoo account. Everything that you have signed is in there as well. So we always\n\nChannel 1: Okay.\n\nChannel 0: keep a copy on file. So if you do you want us to email anything to you if you struggle to download it?\n\nChannel 1: Actually,\n\nChannel 0: Or yeah.\n\nChannel 1: yeah, I do\n\nChannel 0: Yeah.\n\nChannel 1: need you to do my tax one for last financial year. I'm a little bit late on doing my tax, so I need my what would it be? The 2024, 2025\n\nChannel 0: Yep. Perfect.\n\nChannel 1: information, everything,\n\nChannel 0: Yes.\n\nChannel 1: yeah, would be great. Thank you.\n\nChannel 0: So let me see if I can get it from here. And would you like us to go ahead and make that change for you, or do you want any oh, did you need just the information to make the contribution or to make\n\nChannel 1: Oh, no.\n\nChannel 0: that\n\nChannel 1: I just\n\nChannel 0: notice\n\nChannel 1: wanted\n\nChannel 0: of\n\nChannel 1: to\n\nChannel 0: intent?\n\nChannel 1: know because I'm gonna get my tax done. So my accountant wants all the information, like, so yeah. I I did\n\nChannel 0: Do\n\nChannel 1: that last year.\n\nChannel 0: do you know exactly all the information? Because I can get the team to send you all the reports, or I can see if I can find the old email and get the team to resend the new thing.\n\nChannel 1: Just bear with me. I have no idea. Okay. Actually, he hasn't asked. I speak to you today.\n\nHere is a summary items needed for the 2025 financial year. No. Please clearance pay courses, etcetera. He hasn't actually asked for anything. Maybe\n\nChannel 0: Okay.\n\nChannel 1: it was because I changed over with you guys originally, and\n\nChannel 0: Okay.\n\nChannel 1: you had I had my own shares, and then you sold my shares and stuff. So that's probably why.\n\nChannel 0: Okay.\n\nChannel 1: So I don't need anything. Thank\n\nChannel 0: Okay.\n\nChannel 1: you.\n\nChannel 0: That's if it changes, though, and you do talk to him and he he needs anything, just send me an email or just call the office and say, hi. I need these documents, and we can always just\n\nChannel 1: Yep.\n\nChannel 0: email it to you as well if if he does change and you do need them.\n\nChannel 1: Yeah. Okay. Beautiful.\n\nChannel 0: Yep.\n\nChannel 1: Beautiful. Thank\n\nChannel 0: Perfect.\n\nChannel 1: you.\n\nChannel 0: So that's okay. Now I will let you go and enjoy the rest of your evening. Do you have\n\nChannel 1: Yes.\n\nChannel 0: any other questions before I let you go at this point, Jaylene?\n\nChannel 1: No. I think\n\nChannel 0: No?\n\nChannel 1: you've sorted everything out. Thank you very much,\n\nChannel 0: No.\n\nChannel 1: Veronica.\n\nChannel 0: That is\n\nChannel 1: You're amazing.\n\nChannel 0: oh, that is not. Thank you. I'm happy. And I'm here for anything you know, if you do need anything, just a phone call or an email. I'm more than happy to just have a bit of a catch up if you do need anything.\n\nChannel 1: Okay. Thank you. Well, you have a lovely day too\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: You\n\nChannel 1: night, shall I say?\n\nChannel 0: yes. So almost at the end. But, yes, thank you so much. Just lovely speaking to you. Anything you need anything else, just give me a call.\n\nChannel 1: Okay. No worries. Take care.\n\nChannel 0: You too. We'll speak soon.\n\nChannel 1: Will do.\n\nChannel 0: Okay.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.64,"sentiment":"neutral","sentiment_score":0.03525213152170181},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.64,"end":5.14,"sentiment":"neutral","sentiment_score":0.030224351095966995}],"sentiment":"neutral","sentiment_score":0.0305201028857161,"channel":1,"num_words":17,"start":0.24,"end":5.14},{"sentences":[{"text":"Veronica OQ Financial?","start":7.12,"end":9.059999,"sentiment":"neutral","sentiment_score":0.026255798836549122}],"sentiment":"neutral","sentiment_score":0.026255798836549122,"channel":0,"num_words":3,"start":7.12,"end":9.059999},{"sentences":[{"text":"Thanks.","start":14.0,"end":14.5,"sentiment":"positive","sentiment_score":0.4073445796966553},{"text":"Please stay on the 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discusses their insurance coverage with an insurance agent, who emphasizes the importance of being truthful and being mindful of potential risks. The agent emphasizes the need to be honest and to be mindful of potential risks, as well as the importance of being okay with fluctuation in investment rates. The agent provides instructions on changing the investment switch and provides guidance on completing the necessary documents, including signing and sending an email or phone. The customer is instructed to complete the switch and receive assistance if needed."},"intents":{"segments":[{"text":"I just had you booked in for a bit of a catch up. Is now still a good time? Yeah.","start_word":43,"end_word":62,"intents":[{"intent":"Schedule catch up","confidence_score":0.009180907}]},{"text":"So, unfortunately, we can't get from it right now, but it doesn't mean that we can't reassess it again at next annual review or if anything changes health wise for you.","start_word":389,"end_word":419,"intents":[{"intent":"Reassess cover offer","confidence_score":0.0005571816},{"intent":"Reassess coverage","confidence_score":0.06761009},{"intent":"Reassessment coverage","confidence_score":0.013414089}]},{"text":"about 323,000 worth of life and PCD if something were to happen. That's good.","start_word":642,"end_word":655,"intents":[{"intent":"Educate about insurance coverage","confidence_score":0.021279775}]},{"text":"always reassess that. So if it is that you feel like it's getting expensive, at the moment, it's still quite affordable. It's about a thousand dollars, Yeah.","start_word":1123,"end_word":1149,"intents":[{"intent":"Discuss insurance premiums and reassessment affordability","confidence_score":5.2121787e-9}]},{"text":"what what would happen with new cover is that they would put so every time there is a preexisting condition, they will place something that's called an exclusion on the policy or Yeah.","start_word":1244,"end_word":1276,"intents":[{"intent":"Discuss policy changes and avoid surprises","confidence_score":0.00007265895},{"intent":"Explain policy changes","confidence_score":0.0016761433}]},{"text":"what what would happen with new cover is that they would put so every time there is a preexisting condition, they will place something that's called an exclusion on the policy or Yeah. a loading. An exclusion means that they are actually taking away something that you're not covered for. So Yeah.","start_word":1244,"end_word":1295,"intents":[{"intent":"Discuss policy coverage and potential future interactions with providers","confidence_score":0.00024016008}]},{"text":"kind of at the moment, you have more cover. So we wanna make sure that if something were to happen, especially if there is something going on, you are covered for those things. Okay. Yes.","start_word":1331,"end_word":1365,"intents":[{"intent":"Confirm coverage","confidence_score":0.0010810801}]},{"text":"Do you have any other questions with the insurances otherwise, Dilly?","start_word":1798,"end_word":1808,"intents":[{"intent":"Discuss insurance options","confidence_score":0.049414076}]},{"text":"long term investment, long term not too concerned because the investments and everything we have selected are based on more your your fundamental. And if there were kind of structural issues, it's always something you can review anyway. So it's not like if we choose one investment that we foresee it not being too good, then we can always change it. That Yes.","start_word":2132,"end_word":2194,"intents":[{"intent":"Discuss investment options","confidence_score":0.18158379}]},{"text":"it's if we're just ignoring, obviously, the the investment bond for now, we can reassess that at your annual review, which is coming up, you know, a bit later in the year. We can always see how things are looking then. If it's more I reckon just we might do that too because I wanna see what's going on, yeah. Yeah.","start_word":2371,"end_word":2431,"intents":[{"intent":"Discuss investment bond","confidence_score":0.038007054}]},{"text":"We can always see how things are looking then. If it's more I reckon just we might do that too because I wanna see what's going on, yeah. Yeah.","start_word":2403,"end_word":2431,"intents":[{"intent":"Check progress","confidence_score":0.00046237488}]},{"text":"we do have your annual review coming up in around July. If you Yeah.","start_word":2484,"end_word":2497,"intents":[{"intent":"Schedule annual review","confidence_score":0.08407806}]},{"text":"reassess it then, through some update to the device and maybe other things have changed, so we wanna swap some other things out. But Yeah.","start_word":2576,"end_word":2600,"intents":[{"intent":"Discuss device update","confidence_score":0.2878579}]},{"text":"So what we were doing was to just rebalance your portfolio a little bit, keeping all the Yeah.","start_word":2972,"end_word":2989,"intents":[{"intent":"Discuss portfolio rebalancing","confidence_score":0.044294316}]},{"text":"in order for me to do that change, I do need you to sign the document to authorize it. So Yes. No worries.","start_word":3026,"end_word":3048,"intents":[{"intent":"Request authorization","confidence_score":0.0091523845},{"intent":"Explain document usage","confidence_score":0.0003910081}]},{"text":"what I can do is do you still have access to it? Otherwise, I can while I have you on the phone, I can see if I can resend it, and then I will guide you to making a note to say that we're leaving the investment bond for now. Because you can make that on the document just to say that you don't want to go ahead with that, and we can leave that for now and only literally changing the investment.","start_word":3049,"end_word":3131,"intents":[{"intent":"Verify plan","confidence_score":0.000005556556}]},{"text":"Otherwise, I can while I have you on the phone, I can see if I can resend it, and then I will guide you to making a note to say that we're leaving the investment bond for now. Because you can make that on the document just to say that you don't want to go ahead with that, and we can leave that for now and only literally changing the investment.","start_word":3061,"end_word":3131,"intents":[{"intent":"Suggest resending document","confidence_score":0.024608063}]},{"text":"I'm not too concerned about because it's a bit more of like a cyclical what is going on. The tech industry Yeah. as a whole has seen a bit of fluctuations, but even the the tech space, long term AI technology, there is so many opportunities in that space long term. It is just kind of a bit of a a bump on that. But Yeah.","start_word":3160,"end_word":3225,"intents":[{"intent":"Explain situation","confidence_score":0.016516587}]},{"text":"So I can resend this here for you. Yeah.","start_word":3244,"end_word":3252,"intents":[{"intent":"Resend document","confidence_score":0.0012714646}]},{"text":"And I will speak to management and say because we're literally only changing that investment, we and there's nothing major that's changed for you, then Yeah.","start_word":3265,"end_word":3290,"intents":[{"intent":"Explain purpose of change","confidence_score":0.0065082274}]},{"text":"I'm sure I can get approval to just make that switch, especially sooner rather than later for you. And especially Yeah.","start_word":3291,"end_word":3311,"intents":[{"intent":"Ask for approval","confidence_score":0.001791346}]},{"text":"If you have any question, let me know.","start_word":3371,"end_word":3378,"intents":[{"intent":"Provide assistance","confidence_score":0.000108343454}]},{"text":"So what you can kind of see here is a lot of it the red is what we are rebalancing for you. So just basically bringing it back to the risk profile. We're not changing any of those investments. The only one we are completely selling out of is your Benelung Australian equity, which is the second one from the bottom where it says 0%. Can you see that? Yeah.","start_word":3469,"end_word":3538,"intents":[{"intent":"Rebalancing investment and investment","confidence_score":0.0030062376}]},{"text":"Now, basically, we're just making that investment switch. You will see Mhmm. that the Mhmm. fees are a bit cheaper, so it's about $777 cheaper, which is good. And Okay.","start_word":3719,"end_word":3748,"intents":[{"intent":"Make investment switch","confidence_score":0.62337977}]},{"text":"that the Mhmm. fees are a bit cheaper, so it's about $777 cheaper, which is good. And Okay.","start_word":3731,"end_word":3748,"intents":[{"intent":"Adjust fees","confidence_score":0.016057415}]},{"text":"then if you look at where it's just the five year rolling average, that's the performance on the portfolio, and that is using Yeah.","start_word":3749,"end_word":3772,"intents":[{"intent":"Explain performance","confidence_score":0.004095035}]},{"text":"So making the switch, again, just kind of getting out of Bennelong makes it cheaper, It's but gonna it improves the return. So that is yeah.","start_word":3779,"end_word":3804,"intents":[{"intent":"Improve return","confidence_score":0.02431341}]},{"text":"I I have chosen to vary the recommendation. Yes. Yes.","start_word":3900,"end_word":3909,"intents":[{"intent":"Change recommendation","confidence_score":0.00241167}]},{"text":"And when you have added the signature and the date, does it say, like, finish or complete or something like that? Yeah.","start_word":4060,"end_word":4081,"intents":[{"intent":"Adding signature","confidence_score":0.005585625}]},{"text":"But like I said, if anything changes and you wanna look at it sooner, by all means, just send me an email or give me a call, and we Yeah.","start_word":4169,"end_word":4198,"intents":[{"intent":"Requesting email","confidence_score":0.047751777},{"intent":"Providing email","confidence_score":0.007879037}]},{"text":"can always do it sooner. But if not, it's not too far away as well, and it gives us a good chance to kind of review everything for you. Beautiful.","start_word":4199,"end_word":4228,"intents":[{"intent":"Reviewing documents","confidence_score":0.08746777}]},{"text":"need you to do my tax one for last financial year. I'm a little bit late on doing my tax, so I need my what would it be?","start_word":4354,"end_word":4381,"intents":[{"intent":"Requesting tax one","confidence_score":0.003312111},{"intent":"Requesting tax one","confidence_score":0.00803633}]},{"text":"And would you like us to go ahead and make that change for you, or do you want any oh, did you need just the information to make the contribution or to make Oh, no.","start_word":4408,"end_word":4442,"intents":[{"intent":"Make changes","confidence_score":0.019234713},{"intent":"Request and obtain information","confidence_score":0.00007383748}]},{"text":"do you know exactly all the information? Because I can get the team to send you all the reports, or I can see if I can find the old email and get the team to resend the new thing. Just bear with me. I have no idea. Okay. Actually, he hasn't asked. I speak to you today. Here is a summary items needed for the 2025 financial year.","start_word":4475,"end_word":4542,"intents":[{"intent":"Obtain and update financial reports","confidence_score":0.0002889674}]},{"text":"That's if it changes, though, and you do talk to him and he he needs anything, just send me an email or just call the office and say, hi. I need these documents, and we can always just Yep. email it to you as well if if he does change and you do need them. Yeah. Okay.","start_word":4597,"end_word":4653,"intents":[{"intent":"Receive and email documents","confidence_score":0.011119485}]},{"text":"I'm more than happy to just have a bit of a catch up if you do need anything. Okay.","start_word":4737,"end_word":4755,"intents":[{"intent":"Coordinate follow-up","confidence_score":0.00047202423}]},{"text":"Anything you need anything else, just give me a call. Okay. No worries. Take care. You too. We'll speak soon. Will do. Okay.","start_word":4789,"end_word":4811,"intents":[{"intent":"Schedule call","confidence_score":0.1322466}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Veronica OQ Financial?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.030485128983855247},{"text":"Thanks. Please stay on the line. Sounds good.","start_word":20,"end_word":27,"sentiment":"positive","sentiment_score":0.38064879179000854},{"text":"Hi, Veronica. Hi, Jolene. How are you? Yeah.","start_word":28,"end_word":35,"sentiment":"neutral","sentiment_score":0.2165737748146057},{"text":"Not bad.","start_word":36,"end_word":37,"sentiment":"positive","sentiment_score":0.3340297341346741},{"text":"How are you?","start_word":38,"end_word":40,"sentiment":"neutral","sentiment_score":0.2647901773452759},{"text":"Good. Thanks. I just had you booked in for a bit of a catch up.","start_word":41,"end_word":55,"sentiment":"positive","sentiment_score":0.42935869097709656},{"text":"Is now still a good time? Yeah. No. It's fine. Look. I am gonna have you just on Bluetooth for a Yeah. sec.","start_word":56,"end_word":78,"sentiment":"neutral","sentiment_score":0.1607118397951126},{"text":"See you, darling.","start_word":79,"end_word":81,"sentiment":"positive","sentiment_score":0.3411487340927124},{"text":"Okay. Bye. Yeah. But it'll be alright once we get home properly so we can chat. That's okay. No. That's okay. And it shouldn't take too long I I today have. Thank either.","start_word":82,"end_word":114,"sentiment":"neutral","sentiment_score":0.1525421142578125},{"text":"you very much.","start_word":115,"end_word":117,"sentiment":"positive","sentiment_score":0.44448429346084595},{"text":"Bye. Sorry. No. That's okay. It shouldn't take too long today either. It is a pretty quick one. But just like usual, just need to let you know that our calls are being recorded for coaching and and training purposes, if that's okay. Yeah. That's fine.","start_word":118,"end_word":163,"sentiment":"neutral","sentiment_score":0.11129271239042282},{"text":"Perfect.","start_word":164,"end_word":164,"sentiment":"positive","sentiment_score":0.4073379933834076},{"text":"And even though I can hear that it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please? No worries. If I have anything to worry about, I will give you those details, but then I'll have to adjust my code. Yeah. I'll put Sure. the paper. It's Jolene Ransom. 11381977 And 2 Ellis Road, Merrick. Perfect. Wait. Just let Is that what you're after? yes. Perfect. Just let me know when you have adjusted the the phone. It's And yes. Yeah. Okay. Cool. Just like Sure. okay. That should be a rush, I think. Yes. I can hear you. Can you hear me okay? Yeah. Perfect. Yeah. Perfect. So, essentially, pretty quick one. We have I've had heard back from the insurers after the preassessment to see if we could have a look at that for my insurance for you. Do you remember that? Yes. Yeah. Yeah.","start_word":165,"end_word":321,"sentiment":"neutral","sentiment_score":0.07710477614858348},{"text":"Perfect.","start_word":322,"end_word":322,"sentiment":"positive","sentiment_score":0.49347180128097534},{"text":"So I have heard back from all the insurers, and they all have said that at the moment, they are not willing to offer cover. Yes. Yep. It doesn't mean that we can't look at it down the track. But simply right now, if there is more than kind of three things happening, they just don't really offer anything at the moment. Yeah. So Okay. yeah. So, unfortunately, we can't get from it right now, but it doesn't mean that we can't reassess it again at next annual review or if anything changes health wise for you. Sometimes it's Yes. also just a matter of a time frame. Sometimes if a bit a bit longer, they're happy to do it. So, yeah, unfortunately, at the moment, we can't apply for at least we looked at it, and we know which is great. And I'll make a little Yep. note that, you know, if anything changes or next time we talk, we can kind of just reassess that because it doesn't mean that we'll never get it. It's just not right now. Yeah. Yeah. Yeah. Fair enough.","start_word":323,"end_word":508,"sentiment":"neutral","sentiment_score":-0.1129651665687561},{"text":"Fair Perfect.","start_word":509,"end_word":510,"sentiment":"positive","sentiment_score":0.34320759773254395},{"text":"enough. I I did have a funny feeling. I thought Yeah. it might have even been higher even. Yeah. Yeah. Like yeah. But I still got my TPD, don't I, just in case for the future? Don't Let I? me have a look. So, yes, you do. You're very much through. Yes. So you still you still have your towel. Now towel, we didn't do this pre assessment with them. Sorry. Yep. We just kind of did it as a blind, so they don't know anything.","start_word":511,"end_word":596,"sentiment":"neutral","sentiment_score":0.0025507870595902205},{"text":"Because Oh, your, beautiful.","start_word":597,"end_word":600,"sentiment":"positive","sentiment_score":0.34830984473228455},{"text":"yeah, because your tel cover, it is underwritten already, that's safe place. So if anything, you know, you need to claim on anything recent or whatever Yeah. it might be, you are still covered. So you Yep. still have Yep. about 323,000 worth of life and PCD if something were to happen.","start_word":601,"end_word":652,"sentiment":"neutral","sentiment_score":0.0811598151922226},{"text":"That's good. That's good.","start_word":653,"end_word":656,"sentiment":"positive","sentiment_score":0.6947371363639832},{"text":"Yeah. Yeah. Look. I don't think anything's gonna happen Yeah. for Genoa gears anyway, Yeah. but you just Yeah. want Exactly. that back up just in case. Because I did actually I got that scan, and they did say that there's a little bit of damage in the c c three, c four. So it could potentially give me grief Yeah. later on, Yeah. it Yeah. sounds like. So And then yeah. Because you rather it pinches. you rather have the peace of mind that if you need a bit of assistance from an insurance policy, if something were to happen, hopefully, it doesn't, That's but right. if it is, you at least Yeah. have that. Yeah. Yeah. That's right. You got it. And Exactly. with that, Veronica, that one, like, you I think there's a 25%. You guys are the brokers for it, so you charge 25%. Like, if I had to go for TPD again and a life insurance, do I have to do a a different survey, or are you able to transfer it over to me so I don't have to do a full medical? If you need to claim, do you mean, or what No. do you mean? You know how I heard that you said you said that you put a 25, like, broker free, like so say in five years' time, I think that that would be quite astronomical unless it's just on TPD. Was that you that said that there's, like, a a fee that you get for doing the insurance for us? Yes and no. So, no, there's no fee. We don't charge you don't pay anything for the insurances at all. We do get Yes. commissions from the insurers, so maybe that was it, I which is, would have been yeah, yeah. which is just 22% of the premium. But that is paying us. It has not you don't pay for it at all.","start_word":657,"end_word":980,"sentiment":"neutral","sentiment_score":-0.0007420247823091936},{"text":"It is just their kind Lovely. of it's just a process because Rewards.","start_word":981,"end_word":993,"sentiment":"positive","sentiment_score":0.5607554912567139},{"text":"for the yeah. Yeah. And it's like because Yep. as a client, you can't go to them directly and some liability point of stuff like that, tell Yep. and all insurance. And it's the same for every provider out there. So whichever provider you would go with, it is exactly the same. It's the same for every single adviser. Yeah. And it's, Okay. again, Pell paying us is not you paying us. So it doesn't impact, you know, your premium or anything like that. Yeah. Okay.","start_word":994,"end_word":1079,"sentiment":"neutral","sentiment_score":0.15995432436466217},{"text":"Beautiful.","start_word":1080,"end_word":1080,"sentiment":"positive","sentiment_score":0.5164384841918945},{"text":"That's Yeah. that's what I'd like to know. Yeah. No. So, yeah, there's no changes in that. And, obviously, because the do the premium does get more expensive the older you get because there is a higher risk, obviously, we can Yes. always reassess that. So if it is that you feel like it's getting expensive, at the moment, it's still quite affordable. It's about a thousand dollars, Yeah. 99. So it's still quite affordable for what you have. But Yeah. if, you know, next time you review, you feel like, okay. It's gone up a little bit. We can always reduce that depending on what is happening. But Yeah. then if there is a chance that you needed, you also wanna make sure that, you know, you have cover in place. Yeah. Exactly right. Yeah. You got it. Yeah. Yeah. And potentially just stay with them as well Yes. Yes. knowing that I've got something maybe. Correct. Yeah. Because Yeah. what Beautiful. what what would happen with new cover is that they would put so every time there is a preexisting condition, they will place something that's called an exclusion on the policy or Yeah. a loading. An exclusion means that they are actually taking away something that you're not covered for. So Yeah.","start_word":1081,"end_word":1295,"sentiment":"neutral","sentiment_score":-0.009720063768327236},{"text":"if there is a if you have neck pain or, you know, any mental health or nerve, anything, the insurance will say it's too high of a risk.","start_word":1296,"end_word":1323,"sentiment":"negative","sentiment_score":-0.33677467703819275},{"text":"We're not covering that, which then Yeah. kind of at the moment, you have more cover. So we wanna make sure that if something were to happen, especially if there is something going on, you are covered for those things. Okay. Yes. That's right. Yeah. Yeah. And what happens, like like, say example, I went to RAC and tried to get coverage, and you don't say everything. You've gotta say everything because they'll bring up your doctor work, won't they? For car insurance, Like, do you if mean? you did a claim yeah. If you did a claim or something, and you haven't said Car something. insurance? Say I didn't yeah. Say I didn't Yeah. say I had a neck problem or something like that. I It would come back and bite you in the bum anyway, wouldn't it? for this for for personal risk insurance, yes. Car insurance is Yes. general insurance, it is a little bit different. So I'm not sure with if you need to claim on, like, a car or something like that. But Yes. for this yeah. So if it was that we went through these questions, for example, and you said, no. Yes. I don't have any issues. You get cover, and then you need to claim on something. They will request some medical reports. And if that then shows you that, hey. You were being, you know, not truthful, what they can Yes. then do is, okay. Well, you haven't been honest when making your declaration so they can actually cancel the cover, and then you've paid for something you can't claim on. Haven't So got it anyway. I Exactly. did read that as well. Yeah. Yeah. Okay. So it is important to be truthful because we wanna make sure that there is no gray area that if you need to claim on Yep. anything, it's, you know, all set.","start_word":1324,"end_word":1640,"sentiment":"neutral","sentiment_score":-0.12012657828699529},{"text":"But So it it's is just a good question.","start_word":1641,"end_word":1649,"sentiment":"positive","sentiment_score":0.349540650844574},{"text":"better off being honest anyway.","start_word":1650,"end_word":1654,"sentiment":"neutral","sentiment_score":0.20677801966667175},{"text":"Best 100 off percent.","start_word":1655,"end_word":1658,"sentiment":"positive","sentiment_score":0.3779073655605316},{"text":"just being honest. Is that correct? 100%. Because we have Yeah. seen instances where people have said, unfortunately, like, no. No. No. It's all good. And then something happens. And it was like, okay. Well, if you were honest, Yeah. then with time, sometimes you can remove an exclusion and you would be covered. But even though it happened, let's say, ten years ago, but at the time you applied for it, you weren't honest, they can still cancel Yeah. it because they have an out. So we definitely wanna be honest with everything so you have cover. Yeah. Because the last thing we want is for you for paying for something, and then the insurers are gonna back out because that obviously defeats the purpose of protecting you. Yes. Okay. Cool. Yeah.","start_word":1659,"end_word":1791,"sentiment":"neutral","sentiment_score":-0.08728966861963272},{"text":"Awesome. Thank you.","start_word":1792,"end_word":1794,"sentiment":"positive","sentiment_score":0.5309242606163025},{"text":"No. That's okay. Do you have any other questions with the insurances otherwise, Dilly? Not on the insurances No? now. I'm happy with all that. Yes. Perfect. The other thing while I do have you on the phone, it was just to see because your the SOA that we went through in January actually expired three days ago. What it's about? Sorry. The, you know, the recommendation we went through in January Yes. that has About just Harrison. it was a bit of everything. So we talked about swapping some of Yes. your super investments to a little bit better performing one. We did also had the Yes. the child investment in there. Yes. Now I can potentially see if I can get at the It's managers it's not to approve if you sign it. But what are your thoughts? Because you can make variations. If you don't want the child bond and you only wanted to sue, but that's okay. There is no pressure on whatever you wanted to do. Or if you didn't wanna do anything, that's also okay. Look. I did wanna speak to you about this. I thought we were gonna get in the time hold, but considering how the world is going Yeah. at the moment, is it worth like, we'll start with Harrison. Is it worth doing anything right now, or It is it or is is a it good perfect timing because everything's down? exactly. It is it is a tricky thing because you don't obviously have a crystal ball. You don't know what's going to happen. But it is kind of like you said that that while prices are down, it is potentially a good time to buy while it is down because that means you can also buy at a discount. Yes. It also Yes. means though that you have to be okay with a bit of fluctuation because in the last twelve months, there have been a bit of fluctuation. Even if it's more of a Yes. long term investment, long term not too concerned because the investments and everything we have selected are based on more your your fundamental. And if there were kind of structural issues, it's always something you can review anyway. So it's not like if we choose one investment that we foresee it not being too good, then we can always change it. That Yes. still goes for the investment bond. But at the same time, because, obviously, interest and everything is going up, a lot of Yes. people are struggling with cash flow and stuff like that. So it's also Yes. dependent on how you feel. Because if you feel like you're a bit worried about, you know, bills and expenses and you wanna hold off with the investment bond until it's a bit more settled, that's also perfectly I fine. think I might, sir Harry. Yeah. Just Yeah. I'll see what happens. Yes. And I we definitely could reassess am interested, it. but Yeah. yeah. Like, it's doing alright with Yeah. just it's monthly installments Yeah. at the moment anyway. Yeah. So, yeah, we can talk about that one later. Yes. I you wouldn't believe this. I haven't Yeah. even had a chance to look at what she did. That's okay. Yeah. How So how much time do you think you'd need? Just because it has expired, so, technically, it would mean we'd have to redo everything. If Yeah. it's if we're just ignoring, obviously, the the investment bond for now, we can reassess that at your annual review, which is coming up, you know, a bit later in the year. We can always see how things are looking then. If it's more I reckon just we might do that too because I wanna see what's going on, yeah. Yeah. and it's gonna take a bit to recover anyway, Yeah. Veronica. Yeah. We Yeah. can do that. So I can just put a pause on this right now.","start_word":1795,"end_word":2459,"sentiment":"neutral","sentiment_score":0.012747402356139251},{"text":"And Beautiful.","start_word":2460,"end_word":2461,"sentiment":"positive","sentiment_score":0.4713301360607147},{"text":"then we do have I mean, if you change your mind at any point, you can always let me know. Otherwise, Yeah. we do have your annual review coming up in around July. If you Yeah. wanted See, it's to bring not it long.","start_word":2462,"end_word":2505,"sentiment":"neutral","sentiment_score":0.11623156815767288},{"text":"Beautiful.","start_word":2506,"end_word":2506,"sentiment":"positive","sentiment_score":0.5077992677688599},{"text":"no. But if it was that you wanted to bring it forward, just give me a call or send me an email.","start_word":2507,"end_word":2528,"sentiment":"neutral","sentiment_score":0.1744878739118576},{"text":"We can definitely bring it forward.","start_word":2529,"end_word":2534,"sentiment":"positive","sentiment_score":0.4019160568714142},{"text":"Otherwise, we can leave everything for now because if you haven't had time either, I don't wanna stress you as well. Yeah. We wanna It's make been sure you frantic. take your Yeah. time. Yeah. And we can always Yeah. Yeah. reassess it then, through some update to the device and maybe other things have changed, so we wanna swap some other things out. But Yeah. at least That's it right. it gives us a bit of time. So if you're happy with that, I'll make a note that we'll just leave it for now and then touch Yeah. base. If we don't hear from you, we'll touch base around July and then Yeah. do an interview and kind of see where everything's at and if we then wanted to look at making some changes. Yeah. How Yeah. much has the market gone down, Veronica, since the war has Let broke me out? have a look into your account. Let me see here. So some it's one of those things that some investments, like your defensive investments, are still kind of doing okay Which in one? a your like, some of your defensive investments are still doing okay. Yeah. But let me see if I can just pull this up for you. Just bear with me. And it's one of those things as well that some investments when it is kind of are sometimes benefiting from, you know, different things, whereas others, Yeah. not so much. Yeah. That's So, her. essentially, for you, there is only two investments that's down, and that is your Benelon Australian Equities, which is the one we were kind of focusing on switching for you. Yeah. That one is down 23%. Now this is in a twelve month period. Yes. Yes. The other one is your beta shares global cybersecurity, and that is pretty Yes. and that's about 11% in twelve months after fees It's as gone well. down. Okay. Yeah. So I the wonder cyber if I should just change those two. the when I did research on your super investments, I did very much suggest that we should swap Bennelong. Now I did, just for your reference, Yeah. with the invest because that was the only thing we were doing. So I do think Yeah. swapping because Bennitude a lot of the research, the Bennelong investment originally was really good. More recently, we have seen that I don't think it's going to be the best opportunity moving forward Yeah. with Okay. Bennelong. Now with Okay. with, which is the only thing we were swapping out, Now that was the investment. So what we were doing was to just rebalance your portfolio a little bit, keeping all the Yeah. investments, Okay. and we were only swapping Benelon for another option that has performed a bit better, and that was Yeah. Yeah. Affinity. Do that then. Veronica, Okay. do that. Okay. Yeah. Now That's in fine. in order for me to do that change, I do need you to sign the document to authorize it. So Yes. No worries. what I can do is do you still have access to it? Otherwise, I can while I have you on the phone, I can see if I can resend it, and then I will guide you to making a note to say that we're leaving the investment bond for now. Because you can make that on the document just to say that you don't want to go ahead with that, and we can leave that for now and only literally changing the investment. Because I do think as well from the reasons that Benelon has underperformed, so I think it is good to Yeah. get out of that. The cybersecurity, Yeah. I'm not too concerned about because it's a bit more of like a cyclical what is going on. The tech industry Yeah. as a whole has seen a bit of fluctuations, but even the the tech space, long term AI technology, there is so many opportunities in that space long term. It is just kind of a bit of a a bump on that. But Yeah. the Benelon we Yeah. do to see so let me see if I can find the document. Alright. So I can resend this here for you. Yeah. And Maybe if you resend it, because it might be here. Yeah. And I will speak to management and say because we're literally only changing that investment, we and there's nothing major that's changed for you, then Yeah. I'm sure I can get approval to just make that switch, especially sooner rather than later for you. And especially Yeah. if we're Beautiful. leaving the investment bonds, we're not doing any other changes. So Changes. Okay. Yeah. yeah.","start_word":2535,"end_word":3329,"sentiment":"neutral","sentiment_score":0.03440493146109881},{"text":"So That sounds I've just wonderful. I've just sent that to you. And it's come through today. Yay. Yeah. Perfect.","start_word":3330,"end_word":3349,"sentiment":"positive","sentiment_score":0.4737510681152344},{"text":"I I I will show you as other investment I'm talking about. And this document, you have access to with spouse. If you have any question, let me know. But, literally, the only change was that Benelung investment through an alternative option. Yeah. Okay. Now let me so when you click on the documents, you should see Yes. statement of advice. Can you see that? Yeah. Yes. Yep. Now if you wanna scroll down to me or for me to page 16. And it should see a heading where it says recommended investment. Okay. Okay. Hold on. This is very important. So just be very quiet. Okay.","start_word":3350,"end_word":3456,"sentiment":"neutral","sentiment_score":0.07238179507935158},{"text":"So that's very cool.","start_word":3457,"end_word":3460,"sentiment":"positive","sentiment_score":0.5396210551261902},{"text":"Jaylene's recommended investment Investment? superannuation. Yes. Yep. Exactly. So what you can kind of see here is a lot of it the red is what we are rebalancing for you. So just basically bringing it back to the risk profile. We're not changing any of those investments. The only one we are completely selling out of is your Benelung Australian equity, which is the second one from the bottom where it says 0%. Can you see that? Yeah. Yeah. Yeah. That is the Oh, only is that one a we are are that that is the only is that one we a are big selling. yep. Sorry. Is that, like yeah. It hasn't lost $16,000, has No. it? No. That is just that's just the money we are selling. The only reason it's red is because we are selling it. It's it's not Okay. because Beautiful. it's lost. Yeah. No. No. And then the one underneath bend along is that we're swapping it for. So we're basically Beautiful. swapping the those across. Yeah. And Okay. Lovely. it's very similar, still focusing on the Australian equity. It's just another option. Now if you wanna scroll up just so you can see it again, scroll up to Mhmm. page 12 for me. Strategy recommendations. Is that the one? Yeah. Investment returns recommended, like the table with the numbers. Oh, yes. Sorry. Yes. I've got, like, different pages. Because The different of the the oh, cover yeah. Yep. page. So Yeah. yep. My Apple So Chrome saying different. no. That's okay. Now, basically, we're just making that investment switch. You will see Mhmm. that the Mhmm.","start_word":3461,"end_word":3733,"sentiment":"neutral","sentiment_score":0.01357222697441722},{"text":"fees are a bit cheaper, so it's about $777 cheaper, which is good.","start_word":3734,"end_word":3746,"sentiment":"positive","sentiment_score":0.48366937041282654},{"text":"And Okay. then if you look at where it's just the five year rolling average, that's the performance on the portfolio, and that is using Yeah. Okay. your five year rolling average. So making the switch, again, just kind of getting out of Bennelong makes it cheaper, It's but gonna it improves the return. So that is yeah. literally I kept it. what we are if you're happy to do that, then I think doing that Yeah.","start_word":3747,"end_word":3823,"sentiment":"neutral","sentiment_score":0.2046914100646973},{"text":"change is good. Yeah. That's good.","start_word":3824,"end_word":3829,"sentiment":"positive","sentiment_score":0.5091790556907654},{"text":"And then so, basically, if you wanna click it should say sign now, but I'll get you to write the the variations as well just with the investment bond to say that we don't wanna do that right Okay. now. Yeah. Okay. Does it allow you so let me know how you go because it can be a bit tricky. Okay. Okay. Next. Yep. And then it says signature. Say? I I have chosen to vary the recommendation. Yes. Yes. Does it allow you to type anything there? Yes. It is going to let me. Perfect. So here is where you can type you can type it in your own words, but to just say that you don't want to proceed with the child investment at this stage, something along those lines, and that's all I need to to let the team know that we're not doing that, and we can reassess it later. But we can still go ahead with just the super switch alone. Alright. So you said do you wanna proceed with the what was it? Child The child investment bond. investment. Investment. Okay. Just the swap. Yep. Yep. Swap. Exactly. You can just do just the investment, just the super swaps. Eight. Okay.","start_word":3830,"end_word":4036,"sentiment":"neutral","sentiment_score":0.03893010690808296},{"text":"Beautiful.","start_word":4037,"end_word":4037,"sentiment":"positive","sentiment_score":0.4602969288825989},{"text":"And then we Yep. can go through that that for you so Sign we can get them all. out of the way. And when you have added the signature and the date, does it say, like, finish or complete or something like that? Yeah. I just just pressed it. It's just trying to load. Yep.","start_word":4038,"end_word":4092,"sentiment":"neutral","sentiment_score":0.08066204484890807},{"text":"Perfect. Yeah. You've got it. It should be Perfect. there.","start_word":4093,"end_word":4102,"sentiment":"positive","sentiment_score":0.48010680079460144},{"text":"Sometimes it does take a oh, actually, no.","start_word":4103,"end_word":4110,"sentiment":"neutral","sentiment_score":0.11214229464530943},{"text":"It has come through already, which is great. So I will Good.","start_word":4111,"end_word":4122,"sentiment":"positive","sentiment_score":0.3805055618286133},{"text":"make a note on my end as well to say we're leaving the investment bond for now when it's a bit more certainty in the market, which even in July, we might have a bit more, and we can always reassess it at the annual review. But like I said, if anything changes and you wanna look at it sooner, by all means, just send me an email or give me a call, and we Yeah. can always do it sooner. But if not, it's not too far away as well, and it gives us a good chance to kind of review everything for you.","start_word":4123,"end_word":4227,"sentiment":"neutral","sentiment_score":0.16544705629348755},{"text":"Beautiful. Sounds good.","start_word":4228,"end_word":4230,"sentiment":"positive","sentiment_score":0.4751759469509125},{"text":"And a question that I've got Yeah. for those documents, it says download or close. You send all that information to me anyway, don't you, in email? So I don't really need to download it, do I? No. Sorry. We always keep Yeah. a copy on file for everything. So if at any point in time you want a separate copy, we can send it through. It's always Okay.","start_word":4231,"end_word":4299,"sentiment":"neutral","sentiment_score":0.02256302535533905},{"text":"Beautiful.","start_word":4300,"end_word":4300,"sentiment":"positive","sentiment_score":0.5100865364074707},{"text":"saved in your order like, in your Odoo account. Everything that you have signed is in there as well. So we always Okay. keep a copy on file. So if you do you want us to email anything to you if you struggle to download it? Actually, Or yeah. yeah, I do Yeah. need you to do my tax one for last financial year. I'm a little bit late on doing my tax, so I need my what would it be? The 2024, 2025 Yep.","start_word":4301,"end_word":4385,"sentiment":"neutral","sentiment_score":0.07655435800552368},{"text":"Perfect.","start_word":4386,"end_word":4386,"sentiment":"positive","sentiment_score":0.34435397386550903},{"text":"information, everything, Yes.","start_word":4387,"end_word":4389,"sentiment":"neutral","sentiment_score":0.23296090960502625},{"text":"yeah, would be great. Thank you.","start_word":4390,"end_word":4395,"sentiment":"positive","sentiment_score":0.5387817621231079},{"text":"So let me see if I can get it from here. And would you like us to go ahead and make that change for you, or do you want any oh, did you need just the information to make the contribution or to make Oh, no. that I just notice wanted of to intent? know because I'm gonna get my tax done. So my accountant wants all the information, like, so yeah. I I did Do that last year. do you know exactly all the information? Because I can get the team to send you all the reports, or I can see if I can find the old email and get the team to resend the new thing. Just bear with me. I have no idea. Okay. Actually, he hasn't asked. I speak to you today. Here is a summary items needed for the 2025 financial year. No. Please clearance pay courses, etcetera. He hasn't actually asked for anything. Maybe Okay. it was because I changed over with you guys originally, and Okay. you had I had my own shares, and then you sold my shares and stuff. So that's probably why. Okay. So I don't need anything. Thank Okay. you. That's if it changes, though, and you do talk to him and he he needs anything, just send me an email or just call the office and say, hi. I need these documents, and we can always just Yep. email it to you as well if if he does change and you do need them. Yeah. Okay.","start_word":4396,"end_word":4653,"sentiment":"neutral","sentiment_score":-0.0017342848880144285},{"text":"Beautiful.","start_word":4654,"end_word":4654,"sentiment":"positive","sentiment_score":0.5110501646995544},{"text":"Yep.","start_word":4655,"end_word":4655,"sentiment":"neutral","sentiment_score":0.3175961971282959},{"text":"Beautiful. Thank Perfect. you. So that's okay. Now I will let you go and enjoy the rest of your evening.","start_word":4656,"end_word":4675,"sentiment":"positive","sentiment_score":0.4727099537849426},{"text":"Do you have Yes. any other questions before I let you go at this point, Jaylene? No. I think No? you've sorted everything out. Thank you very much, No. Veronica.","start_word":4676,"end_word":4705,"sentiment":"neutral","sentiment_score":0.05990522727370262},{"text":"That is You're amazing.","start_word":4706,"end_word":4709,"sentiment":"positive","sentiment_score":0.3697059750556946},{"text":"oh, that is not. Thank you.","start_word":4710,"end_word":4715,"sentiment":"neutral","sentiment_score":-0.05447515845298767},{"text":"I'm happy. And I'm here for anything you know, if you do need anything, just a phone call or an email. I'm more than happy to just have a bit of a catch up if you do need anything.","start_word":4716,"end_word":4754,"sentiment":"positive","sentiment_score":0.4780466854572296},{"text":"Okay.","start_word":4755,"end_word":4755,"sentiment":"neutral","sentiment_score":0.26974713802337646},{"text":"Thank you. Well, you have a lovely day too Yeah.","start_word":4756,"end_word":4765,"sentiment":"positive","sentiment_score":0.6209131002426147},{"text":"or You night, shall I say? yes. So almost at the end.","start_word":4766,"end_word":4777,"sentiment":"neutral","sentiment_score":0.17685285210609436},{"text":"But, yes, thank you so much. Just lovely speaking to you.","start_word":4778,"end_word":4788,"sentiment":"positive","sentiment_score":0.7598756551742554},{"text":"Anything you need anything else, just give me a call. Okay. No worries. Take care. You too. We'll speak soon. Will do. Okay. Bye. Bye.","start_word":4789,"end_word":4813,"sentiment":"neutral","sentiment_score":0.19020745158195496}],"average":{"sentiment":"neutral","sentiment_score":0.04401079360721868}}}}