{"metadata":{"transaction_key":"deprecated","request_id":"01a07f26-3649-7891-82af-c354c7221ed1","sha256":"6bea24515fc2611330f3cea3946a35f8ed2672cb73b0addee50b57c9b9b984d9","created":"2026-09-08T03:53:28.712Z","duration":1184.4719,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4576,"output_tokens":127},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5014,"output_tokens":5024},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5014,"output_tokens":220}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Jack. It's Dana from Oakley Financial. How are you this afternoon? I'm very well. Thank you. How's everything been going for yourself at the moment? Fantastic. I sorry. Yep. Yep. Working hard as always. Excellent. Jack, I had you booked in just for a bit of a quick catch up in relation to the investment account that we had provided advice on earlier in the year. Is now still a good time there for you? Fantastic. And just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. And just to do a quick security check, just because I am discussing your personal information, if I can get you to confirm your full name, your date of birth, and address I should have on file? Yeah. Yep. Beautiful. Thank you. Yep. Beautiful. I'm just double checking. So your address you have was to what was the street address? Yes. So sorry. My phone cut out. I couldn't quite hear what you said. My apologies. Just making sure I had it correctly. Thank you so much for that. All good. Jack, so my colleague Jack has booked you in just to kind of have a bit a catch up. He may have mentioned that we'd obviously hold off on that investment account because you'd purchased the other property there. You had a lot going on at the time, but he may have mentioned to me that you are wanting to maybe proceed with that now. Is that right, or how are your thoughts going with regards to the investment account? Yeah. Yep. That's okay. So just sort of going back over the recommendation just to sort of reconfigure it, and I'm more than happy to email you a copy of the advice document again just so you're able to kinda run your eyes back over it. But, essentially, it was establishing a Hub twenty four investment account, a personal investment account within Hub twenty four there. We can link that to your super there as well. That way, everything is linked in the back end, and it can help to reduce fees and things like that in the back end as well. The initial deposit that you were comfortable with at the time was about 25,000. Are you still comfortable with that initial deposit going in? Yep. That's okay. And then it was a regular investment of $400 on a monthly basis debited into the account for dollar cost averaging. Are you still fairly comfortable with that amount? Yeah. Beautiful. One of the things he may have mentioned to me was that you were just wanting to kind of reevaluate the investment, the investments within the portfolio. It was recommended as well to make sure that they were still appropriate. Is that correct? Mhmm. Yep. Yeah. Yeah. Yeah. Correct. Yep. So, essentially, we were looking at the balanced growth environment. So that technically sees or generally sees around about 70% of your investment funds invested in growth assets. So you're still looking at things like Australian and international shares, listed property, and also commodities like gold and silver, and then having defensive investments around about 30% invested there. So it is a lower risk profile than what you have in your super, but I do tend to find that when we talk about personal investments, we wanna be a less risky in those sorts of areas just because we're super. We can't access that money until, essentially, the age of 60 at the earliest possible point so far. So with money that is in our personal name, that tends to be something we wanna take a bit less risk on because we can access those funds if we need to and withdraw them at an earlier point if we need to as well. Does that still feel like it's in your comfort level there? Yeah. Yeah. Beautiful. We're just sort of running my eyes over the investments recommended. So we'd see about 4% invested in cybersecurity. We're still recommending cybersecurity in our portfolios, and it is still a great place to be. This beta share of cybersecurity is still giving you global exposure, so it is global cybersecurity there as well. We still see 7% in the European exposure with the iShares Europe ETF, and that is still good. It is still giving you exposure to all 16 European countries, so diversification there. And we're still seeing some good growth out of that area. This also does see about 3% invested in the Japanese ETF as well. With everything it has gone on over the past few months with the Iraq so the Iran and the US war, plus the ups and downs we've seen in the market this year, Japan is still a good place to be invested. I know the Japanese actually looked after their citizens very well. They had a nice stockpile of a few ready to go, and they were one of the best well prepared countries for what we just went through. So it is still a really good place to be invested there. And then we do also have the Vanguard All World ex US ETF, which is giving you the A. We would see 7% invested in that investment. Again, we're looking at diversification. So, essentially, spreading the risk of across the entire globe, which is appropriate for lowering as much risk as market risk as much as possible, but also making sure we're providing getting growth from as many different countries as possible. We would also then see, because that investment doesn't include The United States Of America, the S and P 500, which is giving you exposure to the top 500 companies in The US. As much as we still have seen the ups and downs in the market there, it is still appropriate to be invested in that area. We have still seen some really good growth, and even with everything they've gone through, The US is still providing good returns. So we've would be investing 25% in there. And then we've also got the beta shares Australian 200, so giving you exposure to the top 200 companies on the ASX. And that's a more of a passively managed fund, which is great. We're still seeing good returns from that investment, and we'd hold about 20% on the Australian market there. And then we'd also have about 10% sitting in a global physical gold, so giving you exposure to physical gold, which is a growth asset, but it's also defensive in nature. So gold is it always gets growth. We all love a little bit of gold. But then whenever equities have a bit of a downtime, just people tend to use gold as a bit of a safe haven. So it can act defensively when it needs to as well, which is great. And then we've just got the defensive investments within this sort of portfolio. So core composite bonds giving you exposure to the bonds within associate government and corporate bonds. It's also giving you exposure to physical notes and other bank notes and fixed interest across the globe as well. So it is a good investment to still have in there. BetaShares Bank Hybrid, that one is still appropriate for the time being down the track that may be worth removing out. But at the moment, it's it's seen as a defensive asset, but it it does get really good growth as well. So it is still fairly appropriate to have in the portfolio currently there. Did you feel like any of those would need to be sorta changed out? Do you have any concerns about any of those investments or any questions at all? Yeah. Yeah. No. That sounds okay. Of course. Mhmm. Yeah. Yeah. Yeah. Absolutely. So all those investments are ETFs, so they do all pay out dividends and income as well as as well as getting growth. So those dividends will be paid out to your cash account within the investment, and we'll have those reinvested back into the portfolio for compounding effects. So, yeah, dividends are absolutely something we'd like to consider. When we look at a portfolio, we wanna make sure you're getting both growth and income out of that. The other thing I just like to make sure you are aware, and then you invested in your own name as well anyways, so you're probably aware of the tax side of things. But every year, at the end of the tax year, you will get a tax statement for the investment portfolio, and that will outline all the information that your account needs to include in your tax return there for you as well. So growth income, any overseas income that's being paid out that needs to kind of be, you know, accounted for, any deductions that, you know, within the funds that that can be accounted for as well. All that is provided in a tax statement at the end of the year, and that just gets given to your accountant and they can include that in your personal tax return as well. Okay? Yep. Beautiful. The only other thing to sort of make mention was, obviously, with this one here, we essentially did have the ongoing remuneration side of things. So we do charge 1.10% from the investment account based on the the advice and what we had sort of looked at. This year, we're expecting $313 to be paid from that account. That's for looking after the investment account, and that only ever gets charged when the money goes in. So once the money goes into the investment account, then we start charging the ongoing service fee for that, and we'll review that with you on a yearly basis the same as we will with your super as well. But do you have any questions in relation to any of that? Is there any concerns at all? Or Yeah. Yep. That's so when we kind of had the projected outcome, we were looking at so the the balanced growth portfolio at the time had a five year rolling average of around about sort of 16.55%. Obviously, I don't expect you to get that percent every year because markets do go up and down. But, essentially, what we are sort of looking for between the balanced growth environment, we are sort of wanting around about six to 8% on a yearly basis and having that compounded forward. So if you can get in between that sort of six to 8% every year and compounding that over time, that provides you with a really good rate of return and a good amount of growth. However, in that balanced growth environment, we do expect a negative year to be likely around about whenever every six years or so. So there will be a time when maybe the investment doesn't perform as well or there there there is a negative return or the returns are a bit lower than expected, and that's just due to normal market volatility. But we will kinda go through things with you each year and revisit the portfolio and update and make changes when we need to as well if that helps. Yeah. So this portfolio, the last time I mean, we've had a few downs this year as well. So the market around about sort of a March to April, we saw between a two to 3% dip in the market with what was happening. But since then, the market has come out and actually showing really good growth, and we are still seeing positive returns from that. Other than that, '22 and '23, we saw quite a bit of up and down. And then late last year in 2025, we also had pretty heavy dip with the tariffs that was going into place. So, realistically, overall, these portfolios haven't really had just thinking the last proper negative year was at least about three years ago. Since then, every year, we have sort of generated positive returns overall, although the positive returns may have been a little bit lower than expected with the amount of volatility in the market. So, realistically, if this sort of portfolio can generate you know, can show by research as average 16.55% over the past five years, even with the amount of volatility that we have gone through and seen in the past five years, then it sort of shows you that this portfolio has withstood those ups and downs, and it can generate those kinds of returns moving forward if given the same market conditions in the past. Realistically, I just wanna make sure you are getting at least that to 8% on a yearly basis, but it is an expectation that markets will go up and will go down. And, look, I can tell you what what I have seen in the past and where the volatility has kinda hit and what kind of average returns we've seen, but it also comes down to what happens with it moving forward. So just making sure that we do put the sorry. Just making sure that we do obviously put the the the money in on a regular basis, the dollar cost averaging even through the down times. When the market aren't performing really well, I do find a lot of people ringing and go, hey. I wanna kinda stop those contributions going in. But in all honesty, that's the best time. If you do see a bit of a market dip, we do have a bit of a downtime. Just keep that money going into the portfolio. Take advantage of that, and you'll buy more units to those investments. Everyone always says, you know, buy low, sell high, but it is the hardest time to convince yourself to do it. But if you ring me, I'll be telling you to keep going and keep buying, keep investing, and take advantage of those downtimes because in all honesty, that's what I do. I see a downtime, and I get a little bit excited. So it gives it's essentially just a bit of a buying opportunity. And the other thing is these investments have always stood those ups and downs. They've been through times like COVID and the GFC, and they've withstood that. So we wanna make sure that you're in quality investments that are being through the ups and downs that can withstand that and that you're in a in a environment that you're comfortable with as well. But I'm more than happy to send this through to you as well if you like just so you can run your eyes over that one. You can have a bit of a look at it, and let me know if there are any additional questions there at all. Of course. That's okay. Yes. Mhmm. It's really hard to kinda tell you that answer just because when we're looking at growth, we're looking at the overall, so income plus growth. The research we get, unfortunately, doesn't break down income aside from growth, and dividends change. So, essentially, the ETFs every couple of months, a lot of the Vanguard and iShares ETFs pay dividends on a biannually or quarterly basis, and they actually all come out a few a few weeks prior to the dividend period to say how much they're gonna pay in dividends. So those dividends do change on a regular basis. You tend to get a few cents or a few dollars per share. So it is very hard to kinda confirm that for you just because it's it is up to the investment company at the time that the dividends are due. But what I'd be probably looking at trying to do for you is just to kinda look get it started for the first year, have a really good look at it. We could maybe touch base in six months' time and see where things are tracking and then do a full year kind of review of things, see if there's any changes that needs to be made, look at what the income is that's being generated on a regular basis for you just with the projection table. And I know this is just a projection table, but that does look at the but that does look at the expected with the five year rolling average and the fees there, that over the next sort of five years, you could end up with about 73,000 sitting in super by considering the growth, the income, and the additional cost of having the investment account open. So that is the projected outcome over the next five years. We can definitely review that to see whether you're on track for that or whether changes need to be made, but I am really sorry, Jack. I can't break down the income expectation away from the growth. I'd love to be able to do that, but if I could do that, I could probably, you know, be just day trading myself. It wouldn't have to work. Yeah. No. Definitely. I mean, you guys have got another baby coming, don't you? Yeah. Congratulations on that as well. Absolutely. No. That's okay. That's not a problem. Did you want me to re email the document through to you so you can run your eyes over it? How would you like to proceed? And do you have any other questions at all? Yeah. Yep. Yeah. Correct. Yes. So starting with that 25 and then dollar cost averaging that $100 per week or essentially 4,800 over the course of the year. It is also not limited to that. If you find you have some extra money you wanna whack in there at any point, you can. Unlike your sleep, you're not limited with your personal investment account. So you can be putting in more if you want to at any point in time. But, yeah, just for the projected outcome, that's what we kinda have projected with the advice document. But it does come down to how markets react over time, and we'll keep kinda reviewing that with you on a regular basis and see where we're tracking for. But, also, these investments, you know, they work really well now, but they might, in a year or two or three's time, need to be updated, in which case we'll probably do a bit of a switch out and see where that tracks for as well. Yeah. Beautiful. Fantastic. Yeah. That's okay. Fantastic. Well, I'm happy to I'll take this document, and I'll email it through to you now. That way, you do have a copy there. It is the one that you signed as well, so you can definitely see everything. Let me know if you do happen to have any questions there. And are you happy if I get, Jack to maybe, organize and send you the bank the the details to have the transfer done in, or did you wanna set it up direct debit? How would you like to kind of proceed with the deposits? Okay. Yep. Beautiful. Not a problem at all. I'll let Jack know that we've spoken, that you're happy to proceed, and I'll get him just to follow-up, let you know if there's anything else that needs to be signed and to have that deposit organized there for you. Is that okay? Yep. Let him thank you so much for that. Do you have any other questions or anything else you need from me at the moment at all? You're welcome to ask me anything you like. No. That's okay. I'm just emailing you the document now, so it should come through very shortly. When you do get a hold of it, you're welcome to run your eyes over it, and I'll let Jack know that you're happy to proceed and move forward with that. Okay. My pleasure, Jack. I hope you have a great day. Thanks for taking my call. Will do. Thank you so much. I'll talk to you soon. See you later. Bye.","confidence":0.9980469,"words":[{"word":"hi","start":2.6399999,"end":2.96,"confidence":0.7504883,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.1819314807653427},{"word":"jack","start":2.96,"end":3.1999998,"confidence":0.9951172,"punctuated_word":"Jack.","sentiment":"neutral","sentiment_score":0.21904116868972776},{"word":"it's","start":3.1999998,"end":3.4399998,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.24045297503471377},{"word":"dana","start":3.4399998,"end":3.76,"confidence":0.95410156,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.2270797938108444},{"word":"from","start":3.76,"end":4.0,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.24233271181583405},{"word":"oakley","start":4.0,"end":4.4,"confidence":0.64404297,"punctuated_word":"Oakley","sentiment":"neutral","sentiment_score":0.2134856879711151},{"word":"financial","start":4.4,"end":4.9,"confidence":0.98950195,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.21874114871025083},{"word":"how","start":4.96,"end":5.04,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.296069473028183},{"word":"are","start":5.04,"end":5.2,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2725087106227875},{"word":"you","start":5.2,"end":5.3599997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2803710997104645},{"word":"this","start":5.3599997,"end":5.6,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3312922716140747},{"word":"afternoon","start":5.6,"end":6.1,"confidence":1.0,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.29802417755126953},{"word":"i'm","start":7.7599998,"end":8.08,"confidence":0.9946289,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6549656391143799},{"word":"very","start":8.08,"end":8.4,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6835529208183289},{"word":"well","start":8.4,"end":8.72,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6486127972602844},{"word":"thank","start":8.72,"end":8.96,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7417185306549072},{"word":"you","start":8.96,"end":9.28,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6543367505073547},{"word":"how's","start":9.28,"end":9.599999,"confidence":0.99609375,"punctuated_word":"How's","sentiment":"positive","sentiment_score":0.3704048097133637},{"word":"everything","start":9.599999,"end":10.08,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.40013349056243896},{"word":"been","start":10.08,"end":10.32,"confidence":0.9819336,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2879020571708679},{"word":"going","start":10.32,"end":10.639999,"confidence":0.9980469,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3388712406158447},{"word":"for","start":10.639999,"end":10.8,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30210739374160767},{"word":"yourself","start":10.8,"end":11.2,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"positive","sentiment_score":0.33870789408683777},{"word":"at","start":11.2,"end":11.28,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2815641760826111},{"word":"the","start":11.28,"end":11.44,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38570162653923035},{"word":"moment","start":11.44,"end":11.94,"confidence":1.0,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.32395613193511963},{"word":"fantastic","start":14.16,"end":14.66,"confidence":0.9980469,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5315548777580261},{"word":"i","start":14.96,"end":15.255,"confidence":0.97265625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23707348108291623},{"word":"sorry","start":17.575,"end":18.075,"confidence":0.86450195,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.15700584650039673},{"word":"yep","start":19.415,"end":19.915,"confidence":0.9580078,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05232170224189758},{"word":"yep","start":20.295,"end":20.795,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1000170037150383},{"word":"working","start":21.015,"end":21.335,"confidence":0.9951172,"punctuated_word":"Working","sentiment":"neutral","sentiment_score":0.3075459897518158},{"word":"hard","start":21.335,"end":21.575,"confidence":0.99609375,"punctuated_word":"hard","sentiment":"positive","sentiment_score":0.40229663252830505},{"word":"as","start":21.575,"end":21.815,"confidence":0.99316406,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.38562655448913574},{"word":"always","start":21.815,"end":22.315,"confidence":1.0,"punctuated_word":"always.","sentiment":"positive","sentiment_score":0.3832177519798279},{"word":"excellent","start":24.215,"end":24.715,"confidence":0.99316406,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5516144037246704},{"word":"jack","start":25.015,"end":25.255001,"confidence":0.79248047,"punctuated_word":"Jack,","sentiment":"neutral","sentiment_score":0.26621508598327637},{"word":"i","start":25.255001,"end":25.335,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2944336533546448},{"word":"had","start":25.335,"end":25.575,"confidence":0.97265625,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.30454355478286743},{"word":"you","start":25.575,"end":25.735,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2294323444366455},{"word":"booked","start":25.735,"end":25.974998,"confidence":0.9589844,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.29266563057899475},{"word":"in","start":25.974998,"end":26.135,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21705864369869232},{"word":"just","start":26.135,"end":26.295,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20262351632118225},{"word":"for","start":26.295,"end":26.455,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1925583183765411},{"word":"a","start":26.455,"end":26.535,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2395077794790268},{"word":"bit","start":26.535,"end":26.615,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.26300451159477234},{"word":"of","start":26.615,"end":26.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2767656147480011},{"word":"a","start":26.775,"end":26.855,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28437209129333496},{"word":"quick","start":26.855,"end":27.015,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2727453410625458},{"word":"catch","start":27.015,"end":27.255001,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.2330474704504013},{"word":"up","start":27.255001,"end":27.415,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17517141997814178},{"word":"in","start":27.415,"end":27.575,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15608622133731842},{"word":"relation","start":27.575,"end":27.974998,"confidence":0.99902344,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.1853686571121216},{"word":"to","start":27.974998,"end":28.135,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2513585090637207},{"word":"the","start":28.135,"end":28.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26687970757484436},{"word":"investment","start":28.295,"end":28.775,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.19349849224090576},{"word":"account","start":28.775,"end":29.175,"confidence":0.9980469,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.19673900306224823},{"word":"that","start":29.175,"end":29.335,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2044798731803894},{"word":"we","start":29.335,"end":29.494999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2360777109861374},{"word":"had","start":29.494999,"end":29.654999,"confidence":0.6508789,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.20346815884113312},{"word":"provided","start":29.654999,"end":30.154999,"confidence":0.9980469,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.28247949481010437},{"word":"advice","start":30.18,"end":30.42,"confidence":0.94189453,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.3261323571205139},{"word":"on","start":30.42,"end":30.58,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.26501649618148804},{"word":"earlier","start":30.58,"end":30.82,"confidence":0.99609375,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.2516820430755615},{"word":"in","start":30.82,"end":30.9,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2512819766998291},{"word":"the","start":30.9,"end":31.06,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2961070239543915},{"word":"year","start":31.06,"end":31.380001,"confidence":0.8300781,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2828378975391388},{"word":"is","start":31.380001,"end":31.54,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.22891800105571747},{"word":"now","start":31.54,"end":31.78,"confidence":0.9970703,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.25511687994003296},{"word":"still","start":31.78,"end":32.02,"confidence":0.9902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21965204179286957},{"word":"a","start":32.02,"end":32.1,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.33221715688705444},{"word":"good","start":32.1,"end":32.260002,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.27670004963874817},{"word":"time","start":32.260002,"end":32.5,"confidence":0.99902344,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4185780882835388},{"word":"there","start":32.5,"end":32.74,"confidence":0.9838867,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3315723240375519},{"word":"for","start":32.74,"end":32.82,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2772926092147827},{"word":"you","start":32.82,"end":33.3,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2607012689113617},{"word":"fantastic","start":33.3,"end":33.8,"confidence":0.99194336,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.46178263425827026},{"word":"and","start":35.62,"end":35.78,"confidence":0.8041992,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19493582844734192},{"word":"just","start":35.78,"end":36.02,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17612294852733612},{"word":"before","start":36.02,"end":36.260002,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.16506943106651306},{"word":"we","start":36.260002,"end":36.34,"confidence":0.96240234,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12606504559516907},{"word":"jump","start":36.34,"end":36.5,"confidence":0.9980469,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.17858542501926422},{"word":"into","start":36.5,"end":36.82,"confidence":0.9589844,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1920070648193359},{"word":"the","start":36.82,"end":36.9,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1952512562274933},{"word":"call","start":36.9,"end":37.22,"confidence":0.9736328,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.125630185008049},{"word":"just","start":37.22,"end":37.46,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20068851113319397},{"word":"to","start":37.46,"end":37.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1776081025600433},{"word":"let","start":37.62,"end":37.78,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1965601146221161},{"word":"you","start":37.78,"end":37.86,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19416314363479617},{"word":"know","start":37.86,"end":38.02,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2120721936225891},{"word":"we","start":38.02,"end":38.18,"confidence":0.56689453,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2296159863471985},{"word":"do","start":38.18,"end":38.34,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23020735383033752},{"word":"record","start":38.34,"end":38.58,"confidence":0.9970703,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.2036001682281494},{"word":"our","start":38.58,"end":38.739998,"confidence":0.9951172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.186840295791626},{"word":"calls","start":38.739998,"end":38.98,"confidence":0.9472656,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.17990191280841827},{"word":"for","start":38.98,"end":39.14,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18041664361953735},{"word":"quality","start":39.14,"end":39.46,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.15456034243106842},{"word":"and","start":39.46,"end":39.62,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20314821600914},{"word":"training","start":39.62,"end":39.940002,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.14028865098953247},{"word":"purposes","start":39.940002,"end":40.34,"confidence":0.8840332,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.24436506628990173},{"word":"are","start":40.34,"end":40.58,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.22597725689411163},{"word":"you","start":40.58,"end":40.739998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3104233741760254},{"word":"happy","start":40.739998,"end":40.98,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.29759934544563293},{"word":"for","start":40.98,"end":41.14,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.38453683257102966},{"word":"me","start":41.14,"end":41.3,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.34484484791755676},{"word":"to","start":41.3,"end":41.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32574737071990967},{"word":"proceed","start":41.46,"end":41.78,"confidence":1.0,"punctuated_word":"proceed","sentiment":"positive","sentiment_score":0.33353856205940247},{"word":"with","start":41.78,"end":41.94,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.38614264130592346},{"word":"that","start":41.94,"end":42.18,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46261224150657654},{"word":"moving","start":42.18,"end":42.5,"confidence":0.9970703,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.42767590284347534},{"word":"forward","start":42.5,"end":43.0,"confidence":1.0,"punctuated_word":"forward?","sentiment":"neutral","sentiment_score":0.2971291244029999},{"word":"fantastic","start":44.525,"end":45.005,"confidence":0.9819336,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4254904985427856},{"word":"and","start":45.005,"end":45.165,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1380068063735962},{"word":"just","start":45.165,"end":45.325,"confidence":0.95410156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12680506706237793},{"word":"to","start":45.325,"end":45.405,"confidence":0.92578125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1672373116016388},{"word":"do","start":45.405,"end":45.565002,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20444399118423465},{"word":"a","start":45.565002,"end":45.645,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21377193927764893},{"word":"quick","start":45.645,"end":45.885002,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.1481453776359558},{"word":"security","start":45.885002,"end":46.285,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.0900585800409317},{"word":"check","start":46.285,"end":46.525,"confidence":0.7163086,"punctuated_word":"check,","sentiment":"neutral","sentiment_score":0.152888685464859},{"word":"just","start":46.525,"end":46.685,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1631009727716446},{"word":"because","start":46.685,"end":46.845,"confidence":0.9892578,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1487933248281479},{"word":"i","start":46.845,"end":47.005,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1871580630540848},{"word":"am","start":47.005,"end":47.165,"confidence":0.9970703,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.20016829669475555},{"word":"discussing","start":47.165,"end":47.645,"confidence":0.99902344,"punctuated_word":"discussing","sentiment":"neutral","sentiment_score":0.18729494512081143},{"word":"your","start":47.645,"end":47.805,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1719185709953308},{"word":"personal","start":47.805,"end":48.125,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.15354223549365997},{"word":"information","start":48.125,"end":48.605,"confidence":0.94091797,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.18928727507591248},{"word":"if","start":48.605,"end":48.845,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2183910757303238},{"word":"i","start":48.845,"end":48.925,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15206655859947205},{"word":"can","start":48.925,"end":49.005,"confidence":0.98535156,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14885099232196808},{"word":"get","start":49.005,"end":49.085,"confidence":0.98535156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1744602620601654},{"word":"you","start":49.085,"end":49.245,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2004043459892273},{"word":"to","start":49.245,"end":49.405,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19475695490837097},{"word":"confirm","start":49.405,"end":49.725,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.15068021416664124},{"word":"your","start":49.725,"end":49.885002,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16629339754581451},{"word":"full","start":49.885002,"end":50.045002,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1652296781539917},{"word":"name","start":50.045002,"end":50.285,"confidence":0.99902344,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.12622219324111938},{"word":"your","start":50.285,"end":50.525,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12183713167905807},{"word":"date","start":50.525,"end":50.685,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.14310675859451294},{"word":"of","start":50.685,"end":50.765,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16008073091506958},{"word":"birth","start":50.765,"end":51.005,"confidence":0.98657227,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.15561732649803162},{"word":"and","start":51.005,"end":51.165,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1711477488279343},{"word":"address","start":51.165,"end":51.485,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.1521117091178894},{"word":"i","start":51.485,"end":51.565002,"confidence":0.81396484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1973460465669632},{"word":"should","start":51.565002,"end":51.805,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1961427330970764},{"word":"have","start":51.805,"end":51.965,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13887515664100647},{"word":"on","start":51.965,"end":52.125,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12621837854385376},{"word":"file","start":52.125,"end":52.625,"confidence":0.7753906,"punctuated_word":"file?","sentiment":"neutral","sentiment_score":0.11758588254451752},{"word":"yeah","start":56.845,"end":57.3,"confidence":0.78515625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018707487732172012},{"word":"yep","start":59.219997,"end":59.719997,"confidence":0.98583984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021100427955389023},{"word":"beautiful","start":61.94,"end":62.44,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.32510554790496826},{"word":"thank","start":62.579998,"end":62.899998,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3553338944911957},{"word":"you","start":62.899998,"end":63.399998,"confidence":0.97094727,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3276921212673187},{"word":"yep","start":64.34,"end":64.82,"confidence":0.94799805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14842261373996735},{"word":"beautiful","start":64.82,"end":65.32,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2329084873199463},{"word":"i'm","start":65.54,"end":65.78,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.077728271484375},{"word":"just","start":65.78,"end":66.02,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08506639301776886},{"word":"double","start":66.02,"end":66.26,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.10656514763832092},{"word":"checking","start":66.26,"end":66.58,"confidence":0.9785156,"punctuated_word":"checking.","sentiment":"neutral","sentiment_score":0.07502596080303192},{"word":"so","start":66.58,"end":66.82,"confidence":0.7207031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03609582036733627},{"word":"your","start":66.82,"end":67.22,"confidence":0.6147461,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.026672247797250748},{"word":"address","start":67.22,"end":67.54,"confidence":0.9770508,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.03732088953256607},{"word":"you","start":67.54,"end":67.78,"confidence":0.91015625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030856618657708168},{"word":"have","start":67.78,"end":68.02,"confidence":0.8203125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04214360564947128},{"word":"was","start":68.02,"end":68.26,"confidence":0.97509766,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05074002966284752},{"word":"to","start":68.26,"end":68.5,"confidence":0.94921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05221951752901077},{"word":"what","start":71.78,"end":72.02,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01976506970822811},{"word":"was","start":72.02,"end":72.26,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.022852720692753792},{"word":"the","start":72.26,"end":72.735,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02646656148135662},{"word":"street","start":72.735,"end":73.135,"confidence":1.0,"punctuated_word":"street","sentiment":"neutral","sentiment_score":0.03194078058004379},{"word":"address","start":73.135,"end":73.635,"confidence":1.0,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.02991526946425438},{"word":"yes","start":75.535,"end":75.935,"confidence":0.9604492,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.005368763580918312},{"word":"so","start":75.935,"end":76.175,"confidence":0.95410156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07062980532646179},{"word":"sorry","start":76.175,"end":76.575,"confidence":0.9875488,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.12265796959400176},{"word":"my","start":76.575,"end":76.735,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2234363853931427},{"word":"phone","start":76.735,"end":76.975,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.2348069399595261},{"word":"cut","start":76.975,"end":77.135,"confidence":0.98535156,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.27206388115882874},{"word":"out","start":77.135,"end":77.375,"confidence":0.9165039,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.24818328022956848},{"word":"i","start":77.375,"end":77.535,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.27901318669319153},{"word":"couldn't","start":77.535,"end":77.775,"confidence":1.0,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.23038047552108765},{"word":"quite","start":77.775,"end":77.935,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.22343021631240845},{"word":"hear","start":77.935,"end":78.175,"confidence":0.99902344,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.2042556554079056},{"word":"what","start":78.175,"end":78.335,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.21809488534927368},{"word":"you","start":78.335,"end":78.495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18928055465221405},{"word":"said","start":78.495,"end":78.895004,"confidence":0.99609375,"punctuated_word":"said.","sentiment":"neutral","sentiment_score":-0.16196689009666443},{"word":"my","start":78.895004,"end":79.135,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.22972777485847473},{"word":"apologies","start":79.135,"end":79.535,"confidence":0.9980469,"punctuated_word":"apologies.","sentiment":"neutral","sentiment_score":-0.23609524965286255},{"word":"just","start":79.535,"end":79.775,"confidence":0.98535156,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.0824737697839737},{"word":"making","start":79.775,"end":79.935,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.04559972137212753},{"word":"sure","start":79.935,"end":80.175,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.04747936129570007},{"word":"i","start":80.175,"end":80.255,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07745013386011124},{"word":"had","start":80.255,"end":80.335,"confidence":0.9902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04829644411802292},{"word":"it","start":80.335,"end":80.495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023482799530029297},{"word":"correctly","start":80.495,"end":80.975,"confidence":1.0,"punctuated_word":"correctly.","sentiment":"neutral","sentiment_score":-0.0185253769159317},{"word":"thank","start":80.975,"end":81.215,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.39981165528297424},{"word":"you","start":81.215,"end":81.375,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4916495680809021},{"word":"so","start":81.375,"end":81.535,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5138606429100037},{"word":"much","start":81.535,"end":81.775,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5636183023452759},{"word":"for","start":81.775,"end":82.015,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5087682008743286},{"word":"that","start":82.015,"end":82.515,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4146804213523865},{"word":"all","start":82.655,"end":82.895004,"confidence":0.9863281,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3727923631668091},{"word":"good","start":82.895004,"end":83.395004,"confidence":0.9616699,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.26532721519470215},{"word":"jack","start":83.695,"end":84.095,"confidence":0.94311523,"punctuated_word":"Jack,","sentiment":"neutral","sentiment_score":0.033024586737155914},{"word":"so","start":84.095,"end":84.335,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03399872034788132},{"word":"my","start":84.335,"end":84.575,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.034060701727867126},{"word":"colleague","start":84.575,"end":84.895004,"confidence":1.0,"punctuated_word":"colleague","sentiment":"neutral","sentiment_score":0.09502433240413666},{"word":"jack","start":84.895004,"end":85.215,"confidence":0.56933594,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":0.03990445658564568},{"word":"has","start":85.215,"end":85.375,"confidence":0.9716797,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.0038169994950294495},{"word":"booked","start":85.375,"end":85.615,"confidence":0.9970703,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.08417412638664246},{"word":"you","start":85.615,"end":85.775,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04602993652224541},{"word":"in","start":85.775,"end":85.935,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05374716594815254},{"word":"just","start":85.935,"end":86.175,"confidence":0.9838867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03379441797733307},{"word":"to","start":86.175,"end":86.255,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.043427497148513794},{"word":"kind","start":86.255,"end":86.415,"confidence":0.9604492,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.034266307950019836},{"word":"of","start":86.415,"end":86.575,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0392661988735199},{"word":"have","start":86.575,"end":86.735,"confidence":0.9790039,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06791799515485764},{"word":"a","start":86.735,"end":86.942505,"confidence":0.7138672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06575009971857071},{"word":"bit","start":86.942505,"end":87.15,"confidence":0.9370117,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.059631749987602234},{"word":"a","start":87.15,"end":87.23,"confidence":0.8100586,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08419778943061829},{"word":"catch","start":87.23,"end":87.39,"confidence":0.99902344,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.06094285845756531},{"word":"up","start":87.39,"end":87.71,"confidence":0.99658203,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.027760639786720276},{"word":"he","start":87.71,"end":88.03,"confidence":0.7084961,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.0063299089670181274},{"word":"may","start":88.03,"end":88.19,"confidence":0.9140625,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.039964158087968826},{"word":"have","start":88.19,"end":88.270004,"confidence":0.9770508,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0366218127310276},{"word":"mentioned","start":88.270004,"end":88.590004,"confidence":0.9902344,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":-0.010241657495498655},{"word":"that","start":88.590004,"end":88.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04327883571386337},{"word":"we'd","start":88.75,"end":88.91,"confidence":0.96606445,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.056439753621816635},{"word":"obviously","start":88.91,"end":89.31,"confidence":0.97998047,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.09376444667577744},{"word":"hold","start":89.31,"end":89.630005,"confidence":0.48657227,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.08617348968982697},{"word":"off","start":89.630005,"end":89.79,"confidence":0.9760742,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.08579422533512115},{"word":"on","start":89.79,"end":89.950005,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06327848881483078},{"word":"that","start":89.950005,"end":90.11,"confidence":0.9116211,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.034566543996334076},{"word":"investment","start":90.11,"end":90.590004,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.03672912716865539},{"word":"account","start":90.590004,"end":90.91,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.05543998628854752},{"word":"because","start":90.91,"end":91.15,"confidence":0.890625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09387864172458649},{"word":"you'd","start":91.15,"end":91.65,"confidence":0.9807129,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.0704251229763031},{"word":"purchased","start":91.71,"end":92.11,"confidence":0.90478516,"punctuated_word":"purchased","sentiment":"neutral","sentiment_score":-0.038975924253463745},{"word":"the","start":92.11,"end":92.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0289204865694046},{"word":"other","start":92.35,"end":92.590004,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.032606348395347595},{"word":"property","start":92.590004,"end":92.99,"confidence":0.99609375,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.009470514953136444},{"word":"there","start":92.99,"end":93.15,"confidence":0.904541,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.030046895146369938},{"word":"you","start":93.15,"end":93.31,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06986319273710251},{"word":"had","start":93.31,"end":93.55,"confidence":0.7426758,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.06936043500900269},{"word":"a","start":93.55,"end":93.630005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.060226891189813614},{"word":"lot","start":93.630005,"end":93.87,"confidence":0.9951172,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03464026004076004},{"word":"going","start":93.87,"end":94.11,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.03766709566116333},{"word":"on","start":94.11,"end":94.35,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04613305628299713},{"word":"at","start":94.35,"end":94.51,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09167619794607162},{"word":"the","start":94.51,"end":94.590004,"confidence":0.5576172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03078915923833847},{"word":"time","start":94.590004,"end":95.090004,"confidence":0.79125977,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.005086388438940048},{"word":"but","start":95.31,"end":95.55,"confidence":0.98828125,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01005600392818451},{"word":"he","start":95.55,"end":95.71,"confidence":0.9819336,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.01510995626449585},{"word":"may","start":95.71,"end":95.79,"confidence":0.9243164,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.02188358828425407},{"word":"have","start":95.79,"end":95.950005,"confidence":0.9560547,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.013840235769748688},{"word":"mentioned","start":95.950005,"end":96.270004,"confidence":0.9951172,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.010358281433582306},{"word":"to","start":96.270004,"end":96.35,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0010916367173194883},{"word":"me","start":96.35,"end":96.51,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03063952922821045},{"word":"that","start":96.51,"end":96.67,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00924742966890335},{"word":"you","start":96.67,"end":96.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01105937361717224},{"word":"are","start":96.83,"end":96.990005,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.020923957228660583},{"word":"wanting","start":96.990005,"end":97.31,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.037832170724868774},{"word":"to","start":97.31,"end":97.47,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07858280092477798},{"word":"maybe","start":97.47,"end":97.71,"confidence":0.9658203,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06021684408187866},{"word":"proceed","start":97.71,"end":98.11,"confidence":0.99609375,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.12015096098184586},{"word":"with","start":98.11,"end":98.270004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07860970497131348},{"word":"that","start":98.270004,"end":98.51,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09685871750116348},{"word":"now","start":98.51,"end":98.83,"confidence":0.99853516,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.05480359494686127},{"word":"is","start":98.83,"end":99.07,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05372694507241249},{"word":"that","start":99.07,"end":99.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05512363463640213},{"word":"right","start":99.31,"end":99.55,"confidence":0.7910156,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":0.04550674185156822},{"word":"or","start":99.55,"end":99.79,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04905356466770172},{"word":"how","start":99.79,"end":99.95,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.043115563690662384},{"word":"are","start":99.95,"end":100.11,"confidence":0.98291016,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0439140722155571},{"word":"your","start":100.11,"end":100.270004,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04210710525512695},{"word":"thoughts","start":100.270004,"end":100.695,"confidence":0.9980469,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.016430221498012543},{"word":"going","start":100.935,"end":101.175,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08018548041582108},{"word":"with","start":101.175,"end":101.335,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03173143416643143},{"word":"regards","start":101.335,"end":101.735,"confidence":0.8886719,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.02522389218211174},{"word":"to","start":101.735,"end":101.815,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01378045789897442},{"word":"the","start":101.815,"end":101.895,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013921987265348434},{"word":"investment","start":101.895,"end":102.395,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.02153351530432701},{"word":"account","start":102.455,"end":102.955,"confidence":0.9941406,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":0.016138354316353798},{"word":"yeah","start":104.854996,"end":105.015,"confidence":0.8833008,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059182170778512955},{"word":"yep","start":105.015,"end":105.415,"confidence":0.9448242,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07474832981824875},{"word":"that's","start":105.415,"end":105.655,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10074662417173386},{"word":"okay","start":105.655,"end":106.135,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.028990814462304115},{"word":"so","start":106.135,"end":106.375,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17725515365600586},{"word":"just","start":106.375,"end":106.615,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16539016366004944},{"word":"sort","start":106.615,"end":106.695,"confidence":0.9633789,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.16638489067554474},{"word":"of","start":106.695,"end":106.854996,"confidence":0.8618164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1800134927034378},{"word":"going","start":106.854996,"end":107.095,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12596312165260315},{"word":"back","start":107.095,"end":107.255,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15366171300411224},{"word":"over","start":107.255,"end":107.495,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.19371354579925537},{"word":"the","start":107.495,"end":107.735,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15135031938552856},{"word":"recommendation","start":107.735,"end":108.235,"confidence":0.9267578,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.14390352368354797},{"word":"just","start":108.534996,"end":108.695,"confidence":0.9614258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12566587328910828},{"word":"to","start":108.695,"end":108.854996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09621241688728333},{"word":"sort","start":108.854996,"end":109.095,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09152597934007645},{"word":"of","start":109.095,"end":109.415,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1400332897901535},{"word":"reconfigure","start":109.415,"end":109.915,"confidence":0.9951172,"punctuated_word":"reconfigure","sentiment":"neutral","sentiment_score":0.17119309306144714},{"word":"it","start":109.975,"end":110.135,"confidence":0.45324707,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.21226903796195984},{"word":"and","start":110.135,"end":110.295,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29238927364349365},{"word":"i'm","start":110.295,"end":110.455,"confidence":0.9855957,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6151456236839294},{"word":"more","start":110.455,"end":110.615,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.7369649410247803},{"word":"than","start":110.615,"end":110.695,"confidence":0.99902344,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.7075284123420715},{"word":"happy","start":110.695,"end":111.015,"confidence":0.984375,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7225866913795471},{"word":"to","start":111.015,"end":111.175,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.719225287437439},{"word":"email","start":111.175,"end":111.415,"confidence":1.0,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.6381126046180725},{"word":"you","start":111.415,"end":111.575,"confidence":0.99121094,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6751762628555298},{"word":"a","start":111.575,"end":111.735,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6721801161766052},{"word":"copy","start":111.735,"end":111.975,"confidence":1.0,"punctuated_word":"copy","sentiment":"positive","sentiment_score":0.7268459796905518},{"word":"of","start":111.975,"end":112.135,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6952939033508301},{"word":"the","start":112.135,"end":112.295,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5846378207206726},{"word":"advice","start":112.295,"end":112.695,"confidence":0.9267578,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.5472516417503357},{"word":"document","start":112.695,"end":113.095,"confidence":0.99902344,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.6092501282691956},{"word":"again","start":113.095,"end":113.335,"confidence":0.99121094,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.6123950481414795},{"word":"just","start":113.335,"end":113.575,"confidence":0.89990234,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5754963755607605},{"word":"so","start":113.575,"end":113.735,"confidence":0.9633789,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5188152194023132},{"word":"you're","start":113.735,"end":113.895,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5323175191879272},{"word":"able","start":113.895,"end":114.215,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5392460227012634},{"word":"to","start":114.215,"end":114.295,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6196377277374268},{"word":"kinda","start":114.295,"end":114.615,"confidence":0.8720703,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.488244891166687},{"word":"run","start":114.615,"end":114.775,"confidence":0.9970703,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.5250139832496643},{"word":"your","start":114.775,"end":115.015,"confidence":0.9326172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.575203001499176},{"word":"eyes","start":115.015,"end":115.415,"confidence":0.5620117,"punctuated_word":"eyes","sentiment":"positive","sentiment_score":0.6481138467788696},{"word":"back","start":115.415,"end":115.655,"confidence":0.9980469,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.6376597881317139},{"word":"over","start":115.655,"end":115.895,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6855084300041199},{"word":"it","start":115.895,"end":116.25,"confidence":0.9916992,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.4943527579307556},{"word":"but","start":116.65,"end":116.81,"confidence":0.9472656,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.2033575028181076},{"word":"essentially","start":116.81,"end":117.29,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.16222861409187317},{"word":"it","start":117.29,"end":117.37,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2001376897096634},{"word":"was","start":117.37,"end":117.69,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.20381246507167816},{"word":"establishing","start":117.69,"end":118.19,"confidence":0.9970703,"punctuated_word":"establishing","sentiment":"neutral","sentiment_score":0.25819605588912964},{"word":"a","start":118.25,"end":118.33,"confidence":0.75,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31221887469291687},{"word":"hub","start":118.33,"end":118.57,"confidence":0.46801758,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2832365036010742},{"word":"twenty","start":118.57,"end":118.89,"confidence":0.99609375,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2786441743373871},{"word":"four","start":118.89,"end":119.13,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.26724180579185486},{"word":"investment","start":119.13,"end":119.63,"confidence":0.9941406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2040180861949921},{"word":"account","start":119.69,"end":120.01,"confidence":0.7910156,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.27350595593452454},{"word":"a","start":120.01,"end":120.25,"confidence":0.57128906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31475919485092163},{"word":"personal","start":120.25,"end":120.57,"confidence":0.9980469,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.17811636626720428},{"word":"investment","start":120.57,"end":121.05,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.16349054872989657},{"word":"account","start":121.05,"end":121.29,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.24407891929149628},{"word":"within","start":121.29,"end":121.61,"confidence":0.9770508,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.2959270477294922},{"word":"hub","start":121.61,"end":121.85,"confidence":0.9790039,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.23240220546722412},{"word":"twenty","start":121.85,"end":122.17,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2814715504646301},{"word":"four","start":122.17,"end":122.41,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.3162015974521637},{"word":"there","start":122.41,"end":122.91,"confidence":0.9855957,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3453170657157898},{"word":"we","start":123.05,"end":123.21,"confidence":0.98535156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.3232678472995758},{"word":"can","start":123.21,"end":123.37,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3754992485046386},{"word":"link","start":123.37,"end":123.61,"confidence":1.0,"punctuated_word":"link","sentiment":"positive","sentiment_score":0.4158200025558472},{"word":"that","start":123.61,"end":123.77,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4136090278625488},{"word":"to","start":123.77,"end":123.93,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3705591857433319},{"word":"your","start":123.93,"end":124.09,"confidence":0.96777344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3663886487483978},{"word":"super","start":124.09,"end":124.41,"confidence":0.8041992,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4283410906791687},{"word":"there","start":124.41,"end":124.65,"confidence":0.99609375,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.43861472606658936},{"word":"as","start":124.65,"end":124.729996,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3925175964832306},{"word":"well","start":124.729996,"end":124.97,"confidence":0.97094727,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.36730724573135376},{"word":"that","start":124.97,"end":125.13,"confidence":1.0,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.35172757506370544},{"word":"way","start":125.13,"end":125.29,"confidence":0.767334,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.4682280123233795},{"word":"everything","start":125.29,"end":125.69,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.51041179895401},{"word":"is","start":125.69,"end":125.93,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4887484014034271},{"word":"linked","start":125.93,"end":126.17,"confidence":0.99902344,"punctuated_word":"linked","sentiment":"positive","sentiment_score":0.5791680812835693},{"word":"in","start":126.17,"end":126.33,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5431508421897888},{"word":"the","start":126.33,"end":126.41,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5494987368583679},{"word":"back","start":126.41,"end":126.65,"confidence":0.9633789,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5094611048698425},{"word":"end","start":126.65,"end":126.89,"confidence":0.8996582,"punctuated_word":"end,","sentiment":"positive","sentiment_score":0.5201288461685181},{"word":"and","start":126.89,"end":127.05,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4783771336078644},{"word":"it","start":127.05,"end":127.21,"confidence":0.9111328,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5810456871986389},{"word":"can","start":127.21,"end":127.45,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5651145577430725},{"word":"help","start":127.45,"end":127.69,"confidence":0.99902344,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.616212010383606},{"word":"to","start":127.69,"end":127.85,"confidence":0.74853516,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5582146048545837},{"word":"reduce","start":127.85,"end":128.35,"confidence":0.99902344,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.4027172029018402},{"word":"fees","start":128.49,"end":128.73,"confidence":0.9526367,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4269425868988037},{"word":"and","start":128.73,"end":128.97,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.677651047706604},{"word":"things","start":128.97,"end":129.21,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.6103430390357971},{"word":"like","start":129.21,"end":129.37,"confidence":0.99902344,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5615230798721313},{"word":"that","start":129.37,"end":129.53,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5936850309371948},{"word":"in","start":129.53,"end":129.69,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6206230521202087},{"word":"the","start":129.69,"end":129.77,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5360658168792725},{"word":"back","start":129.77,"end":129.93,"confidence":0.99609375,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.439198762178421},{"word":"end","start":129.93,"end":130.17,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.4305457472801209},{"word":"as","start":130.17,"end":130.33,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4822574257850647},{"word":"well","start":130.33,"end":130.83,"confidence":1.0,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3651017546653747},{"word":"the","start":131.385,"end":131.545,"confidence":0.98535156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.22043249011039737},{"word":"initial","start":131.545,"end":132.025,"confidence":1.0,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.17830142378807068},{"word":"deposit","start":132.025,"end":132.425,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.22252514958381653},{"word":"that","start":132.425,"end":132.58499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22250579297542572},{"word":"you","start":132.58499,"end":132.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20085152983665464},{"word":"were","start":132.825,"end":133.065,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.15393073856830597},{"word":"comfortable","start":133.065,"end":133.465,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.13971874117851257},{"word":"with","start":133.465,"end":133.965,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1747124344110489},{"word":"at","start":134.025,"end":134.185,"confidence":0.98291016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07152080535888672},{"word":"the","start":134.185,"end":134.345,"confidence":0.9580078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13863414525985718},{"word":"time","start":134.345,"end":134.58499,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.14858518540859222},{"word":"was","start":134.58499,"end":134.825,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1273341923952103},{"word":"about","start":134.825,"end":135.065,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12095774710178377},{"word":"25,000","start":135.065,"end":136.185,"confidence":0.9996745,"punctuated_word":"25,000.","sentiment":"neutral","sentiment_score":0.12861675024032593},{"word":"are","start":136.185,"end":136.345,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0955546423792839},{"word":"you","start":136.345,"end":136.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11847399175167084},{"word":"still","start":136.505,"end":136.665,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07037252932786942},{"word":"comfortable","start":136.665,"end":137.065,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.08727674186229706},{"word":"with","start":137.065,"end":137.305,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1144869700074196},{"word":"that","start":137.305,"end":137.465,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11446766555309296},{"word":"initial","start":137.465,"end":137.865,"confidence":1.0,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.08644615113735199},{"word":"deposit","start":137.865,"end":138.265,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.09299824386835098},{"word":"going","start":138.265,"end":138.58499,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.16245129704475403},{"word":"in","start":138.58499,"end":139.08499,"confidence":1.0,"punctuated_word":"in?","sentiment":"neutral","sentiment_score":0.11919930577278136},{"word":"yep","start":141.065,"end":141.385,"confidence":0.8117676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2399836629629135},{"word":"that's","start":141.385,"end":141.705,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.35470050573349},{"word":"okay","start":141.705,"end":142.185,"confidence":0.9909668,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.36497023701667786},{"word":"and","start":142.185,"end":142.425,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23158328235149384},{"word":"then","start":142.425,"end":142.58499,"confidence":0.9316406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.23023024201393127},{"word":"it","start":142.58499,"end":142.745,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23490044474601743},{"word":"was","start":142.745,"end":142.905,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.14232420921325684},{"word":"a","start":142.905,"end":143.065,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22357416152954104},{"word":"regular","start":143.065,"end":143.565,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.2505755126476288},{"word":"investment","start":143.625,"end":144.125,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1375316083431244},{"word":"of","start":144.90999,"end":144.98999,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17468975484371185},{"word":"$400","start":144.98999,"end":146.20999,"confidence":1.0,"punctuated_word":"$400","sentiment":"neutral","sentiment_score":0.26553988456726074},{"word":"on","start":146.26999,"end":146.43,"confidence":0.9658203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2142612189054489},{"word":"a","start":146.43,"end":146.59,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25928211212158203},{"word":"monthly","start":146.59,"end":146.98999,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.23183505237102509},{"word":"basis","start":146.98999,"end":147.47,"confidence":0.99902344,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.18495039641857147},{"word":"debited","start":147.47,"end":147.87,"confidence":0.9980469,"punctuated_word":"debited","sentiment":"neutral","sentiment_score":0.2318265289068222},{"word":"into","start":147.87,"end":148.11,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1979180872440338},{"word":"the","start":148.11,"end":148.34999,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2096112221479416},{"word":"account","start":148.34999,"end":148.67,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.15598034858703613},{"word":"for","start":148.67,"end":148.82999,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21516792476177216},{"word":"dollar","start":148.82999,"end":149.15,"confidence":0.99316406,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.2154881656169891},{"word":"cost","start":149.15,"end":149.39,"confidence":0.99902344,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.24630817770957947},{"word":"averaging","start":149.39,"end":149.87,"confidence":0.99853516,"punctuated_word":"averaging.","sentiment":"neutral","sentiment_score":0.2520295977592468},{"word":"are","start":149.87,"end":150.03,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.16664913296699524},{"word":"you","start":150.03,"end":150.18999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21709798276424408},{"word":"still","start":150.18999,"end":150.43,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11001181602478027},{"word":"fairly","start":150.43,"end":150.75,"confidence":0.9980469,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.19679832458496097},{"word":"comfortable","start":150.75,"end":151.15,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.14826293289661407},{"word":"with","start":151.15,"end":151.31,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1741230934858322},{"word":"that","start":151.31,"end":151.54999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22630470991134644},{"word":"amount","start":151.54999,"end":152.04999,"confidence":1.0,"punctuated_word":"amount?","sentiment":"neutral","sentiment_score":0.15608951449394226},{"word":"yeah","start":153.95,"end":154.34999,"confidence":0.85839844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29399991035461426},{"word":"beautiful","start":154.34999,"end":154.84999,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5776146650314331},{"word":"one","start":155.54999,"end":155.70999,"confidence":0.93603516,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.2545619606971741},{"word":"of","start":155.70999,"end":155.79,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2384241670370102},{"word":"the","start":155.79,"end":155.95,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22093594074249268},{"word":"things","start":155.95,"end":156.26999,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.28794756531715393},{"word":"he","start":156.26999,"end":156.43,"confidence":0.6821289,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.16433265805244446},{"word":"may","start":156.43,"end":156.59,"confidence":0.92822266,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.06530854851007462},{"word":"have","start":156.59,"end":156.67,"confidence":0.98535156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0524192750453949},{"word":"mentioned","start":156.67,"end":156.98999,"confidence":0.99609375,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.15447892248630524},{"word":"to","start":156.98999,"end":157.06999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08265937119722366},{"word":"me","start":157.06999,"end":157.31,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1620805263519287},{"word":"was","start":157.31,"end":157.39,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.09694350510835648},{"word":"that","start":157.39,"end":157.62999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10600242763757706},{"word":"you","start":157.62999,"end":157.70999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04081447422504425},{"word":"were","start":157.70999,"end":157.87,"confidence":0.9873047,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.004157818853855133},{"word":"just","start":157.87,"end":158.11,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05374835431575775},{"word":"wanting","start":158.11,"end":158.43,"confidence":0.83251953,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.026183366775512695},{"word":"to","start":158.43,"end":158.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12507258355617523},{"word":"kind","start":158.51,"end":158.75,"confidence":0.94189453,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.14555677771568298},{"word":"of","start":158.75,"end":158.82999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13725663721561432},{"word":"reevaluate","start":158.82999,"end":159.32999,"confidence":0.99853516,"punctuated_word":"reevaluate","sentiment":"neutral","sentiment_score":0.05205061659216881},{"word":"the","start":159.62999,"end":159.79,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09791989624500276},{"word":"investment","start":159.79,"end":160.29,"confidence":0.6503906,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.04973827302455902},{"word":"the","start":160.825,"end":161.065,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1763322800397873},{"word":"investments","start":161.065,"end":161.545,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0371878445148468},{"word":"within","start":161.545,"end":161.865,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.1348581314086914},{"word":"the","start":161.865,"end":162.105,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12436585873365402},{"word":"portfolio","start":162.105,"end":162.505,"confidence":0.6993408,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.10369168221950532},{"word":"it","start":162.505,"end":162.585,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.11823171377182008},{"word":"was","start":162.585,"end":162.825,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1318642944097519},{"word":"recommended","start":162.825,"end":163.30501,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.2368784099817276},{"word":"as","start":163.30501,"end":163.465,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18905937671661377},{"word":"well","start":163.465,"end":163.625,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.22295209765434265},{"word":"to","start":163.625,"end":163.785,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1743585467338562},{"word":"make","start":163.785,"end":163.945,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18100184202194217},{"word":"sure","start":163.945,"end":164.105,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2055013477802277},{"word":"that","start":164.105,"end":164.265,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2548650801181793},{"word":"they","start":164.265,"end":164.505,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2335711121559143},{"word":"were","start":164.505,"end":164.66501,"confidence":0.97998047,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.1956004500389099},{"word":"still","start":164.66501,"end":164.905,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1583232879638672},{"word":"appropriate","start":164.905,"end":165.405,"confidence":1.0,"punctuated_word":"appropriate.","sentiment":"neutral","sentiment_score":0.12258590757846832},{"word":"is","start":165.545,"end":165.705,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1150815337896347},{"word":"that","start":165.705,"end":165.945,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13686615228652954},{"word":"correct","start":165.945,"end":166.445,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.08817926049232483},{"word":"mhmm","start":176.32999,"end":176.82999,"confidence":0.9071045,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.002927240915596485},{"word":"yep","start":177.04999,"end":177.54999,"confidence":0.9785156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03126583993434906},{"word":"yeah","start":183.68999,"end":184.17,"confidence":0.7741699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07065774500370026},{"word":"yeah","start":184.17,"end":184.67,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09254497289657591},{"word":"yeah","start":184.89,"end":185.20999,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11663013696670532},{"word":"correct","start":185.20999,"end":185.70999,"confidence":0.9802246,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.1911066174507141},{"word":"yep","start":185.93,"end":186.32999,"confidence":0.94555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1758923977613449},{"word":"so","start":186.32999,"end":186.82999,"confidence":0.9338379,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.13822057843208313},{"word":"essentially","start":187.12999,"end":187.45,"confidence":0.8251953,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.1142447143793106},{"word":"we","start":187.45,"end":187.60999,"confidence":0.8984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09213001281023026},{"word":"were","start":187.60999,"end":187.875,"confidence":0.9526367,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.08335906267166138},{"word":"looking","start":187.875,"end":188.035,"confidence":0.99316406,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11501667648553848},{"word":"at","start":188.035,"end":188.115,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07756464928388596},{"word":"the","start":188.115,"end":188.275,"confidence":0.94628906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1481565684080124},{"word":"balanced","start":188.275,"end":188.755,"confidence":0.6538086,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.14909762144088745},{"word":"growth","start":188.755,"end":189.075,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.20387613773345947},{"word":"environment","start":189.075,"end":189.575,"confidence":0.8059082,"punctuated_word":"environment.","sentiment":"neutral","sentiment_score":0.20041775703430176},{"word":"so","start":189.715,"end":189.875,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14689722657203674},{"word":"that","start":189.875,"end":190.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1769690215587616},{"word":"technically","start":190.115,"end":190.615,"confidence":0.94384766,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":0.16743598878383636},{"word":"sees","start":190.755,"end":190.995,"confidence":0.8676758,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.15183627605438232},{"word":"or","start":190.995,"end":191.235,"confidence":0.9223633,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16479916870594025},{"word":"generally","start":191.235,"end":191.715,"confidence":0.99316406,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.14351195096969604},{"word":"sees","start":191.715,"end":191.955,"confidence":0.97998047,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.14779019355773926},{"word":"around","start":191.955,"end":192.275,"confidence":0.99121094,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.24500605463981628},{"word":"about","start":192.275,"end":192.595,"confidence":0.7783203,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18971940875053409},{"word":"70%","start":192.595,"end":193.315,"confidence":0.99853516,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.2782367765903473},{"word":"of","start":193.315,"end":193.475,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19989456236362457},{"word":"your","start":193.475,"end":193.975,"confidence":0.95947266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2221977263689041},{"word":"investment","start":194.115,"end":194.615,"confidence":0.9667969,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1190931648015976},{"word":"funds","start":194.675,"end":194.995,"confidence":0.9951172,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.15229862928390503},{"word":"invested","start":194.995,"end":195.395,"confidence":0.9980469,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.1989961862564087},{"word":"in","start":195.395,"end":195.635,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2609044313430786},{"word":"growth","start":195.635,"end":195.955,"confidence":0.98095703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2242395281791687},{"word":"assets","start":195.955,"end":196.275,"confidence":0.9135742,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.234301820397377},{"word":"so","start":196.275,"end":196.435,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16035068035125732},{"word":"you're","start":196.435,"end":196.595,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21297064423561096},{"word":"still","start":196.595,"end":196.755,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23131364583969116},{"word":"looking","start":196.755,"end":197.075,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.21588248014450073},{"word":"at","start":197.075,"end":197.235,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1731070727109909},{"word":"things","start":197.235,"end":197.475,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.25359612703323364},{"word":"like","start":197.475,"end":197.715,"confidence":0.90283203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1758423149585724},{"word":"australian","start":197.715,"end":198.195,"confidence":0.98828125,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.22909550368785855},{"word":"and","start":198.195,"end":198.355,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1807262897491455},{"word":"international","start":198.355,"end":198.855,"confidence":0.9838867,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.1783110797405243},{"word":"shares","start":198.995,"end":199.395,"confidence":0.77246094,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.2220653295516968},{"word":"listed","start":199.395,"end":199.795,"confidence":0.9980469,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.2416304647922516},{"word":"property","start":199.795,"end":200.195,"confidence":0.94628906,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.18078067898750305},{"word":"and","start":200.195,"end":200.355,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2351900339126587},{"word":"also","start":200.355,"end":200.675,"confidence":0.8857422,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2366134524345398},{"word":"commodities","start":200.675,"end":201.175,"confidence":0.99316406,"punctuated_word":"commodities","sentiment":"neutral","sentiment_score":0.2159821093082428},{"word":"like","start":201.235,"end":201.475,"confidence":0.76660156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23572826385498047},{"word":"gold","start":201.475,"end":201.715,"confidence":0.9951172,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.26429325342178345},{"word":"and","start":201.715,"end":201.875,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2886682152748108},{"word":"silver","start":201.875,"end":202.375,"confidence":0.80859375,"punctuated_word":"silver,","sentiment":"neutral","sentiment_score":0.2562258839607239},{"word":"and","start":202.95,"end":203.19,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28612619638442993},{"word":"then","start":203.19,"end":203.43001,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2776491641998291},{"word":"having","start":203.43001,"end":203.91,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.33792805671691895},{"word":"defensive","start":203.91,"end":204.41,"confidence":0.9980469,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.1463497132062912},{"word":"investments","start":204.47,"end":204.97,"confidence":0.98095703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1556854397058487},{"word":"around","start":205.11,"end":205.35,"confidence":0.9472656,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.3239153325557709},{"word":"about","start":205.35,"end":205.67,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2925505042076111},{"word":"30%","start":205.67,"end":206.39,"confidence":0.9995117,"punctuated_word":"30%","sentiment":"positive","sentiment_score":0.3617689609527588},{"word":"invested","start":206.39,"end":206.79001,"confidence":0.9892578,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.20745259523391724},{"word":"there","start":206.79001,"end":207.03,"confidence":0.9824219,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.21492373943328855},{"word":"so","start":207.03,"end":207.27,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2418053150177002},{"word":"it","start":207.27,"end":207.43001,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2887561023235321},{"word":"is","start":207.43001,"end":207.59,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26418882608413696},{"word":"a","start":207.59,"end":207.67,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.312130868434906},{"word":"lower","start":207.67,"end":208.07,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.1856855601072311},{"word":"risk","start":208.07,"end":208.31,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.11452123522758484},{"word":"profile","start":208.31,"end":208.71,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.11772671341896056},{"word":"than","start":208.71,"end":208.95,"confidence":0.9970703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.15618160367012024},{"word":"what","start":208.95,"end":209.11,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22114385664463043},{"word":"you","start":209.11,"end":209.27,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23838317394256592},{"word":"have","start":209.27,"end":209.51,"confidence":0.98291016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18947811424732208},{"word":"in","start":209.51,"end":209.59,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12210144102573396},{"word":"your","start":209.59,"end":209.83,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16573932766914368},{"word":"super","start":209.83,"end":210.33,"confidence":0.7182617,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.21038758754730225},{"word":"but","start":210.71,"end":210.95,"confidence":0.9707031,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15071263909339905},{"word":"i","start":210.95,"end":211.03,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14531905949115753},{"word":"do","start":211.03,"end":211.27,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19921168684959412},{"word":"tend","start":211.27,"end":211.51,"confidence":0.9970703,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.2598591446876526},{"word":"to","start":211.51,"end":211.67,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15321335196495056},{"word":"find","start":211.67,"end":211.99,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.19149230420589447},{"word":"that","start":211.99,"end":212.23,"confidence":0.78759766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10917629301548004},{"word":"when","start":212.23,"end":212.63,"confidence":0.95410156,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15686163306236267},{"word":"we","start":212.63,"end":212.79001,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17801064252853394},{"word":"talk","start":212.79001,"end":213.03,"confidence":0.9980469,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.14476442337036133},{"word":"about","start":213.03,"end":213.35,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12812131643295288},{"word":"personal","start":213.35,"end":213.83,"confidence":0.99902344,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.1103656440973282},{"word":"investments","start":213.83,"end":214.23,"confidence":0.9655762,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.14587411284446716},{"word":"we","start":214.23,"end":214.39,"confidence":0.9291992,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1770031899213791},{"word":"wanna","start":214.39,"end":214.71,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1997598558664322},{"word":"be","start":214.71,"end":214.79001,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10558532178401948},{"word":"a","start":214.79001,"end":214.87,"confidence":0.609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13373950123786926},{"word":"less","start":214.87,"end":215.11,"confidence":0.9980469,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.07998794317245483},{"word":"risky","start":215.11,"end":215.51,"confidence":0.9707031,"punctuated_word":"risky","sentiment":"neutral","sentiment_score":-0.10749545693397522},{"word":"in","start":215.51,"end":215.67,"confidence":0.58935547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14327752590179443},{"word":"those","start":215.67,"end":215.91,"confidence":0.98291016,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.24453610181808472},{"word":"sorts","start":215.91,"end":216.15,"confidence":0.46801758,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.08705705404281616},{"word":"of","start":216.15,"end":216.31,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16228944063186646},{"word":"areas","start":216.31,"end":216.79001,"confidence":0.96972656,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.21977801620960236},{"word":"just","start":216.79001,"end":217.03,"confidence":0.94189453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15885630249977112},{"word":"because","start":217.03,"end":217.515,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12024489790201189},{"word":"we're","start":217.515,"end":217.835,"confidence":0.91186523,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13305968046188354},{"word":"super","start":217.835,"end":218.235,"confidence":0.8208008,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.07470039278268814},{"word":"we","start":218.235,"end":218.395,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.04914718121290207},{"word":"can't","start":218.395,"end":218.715,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.059666574001312256},{"word":"access","start":218.715,"end":219.115,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.12697435915470123},{"word":"that","start":219.115,"end":219.355,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.032954439520835876},{"word":"money","start":219.355,"end":219.675,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.01287129521369934},{"word":"until","start":219.675,"end":220.175,"confidence":0.7841797,"punctuated_word":"until,","sentiment":"neutral","sentiment_score":-0.19617751240730288},{"word":"essentially","start":220.395,"end":220.795,"confidence":0.9980469,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.06475181877613068},{"word":"the","start":220.795,"end":220.955,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10842215269804},{"word":"age","start":220.955,"end":221.19499,"confidence":0.9951172,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.058692388236522675},{"word":"of","start":221.19499,"end":221.355,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03517335653305054},{"word":"60","start":221.355,"end":221.675,"confidence":0.9951172,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.05785122513771057},{"word":"at","start":221.675,"end":221.83499,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11196225881576538},{"word":"the","start":221.83499,"end":221.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03395360708236694},{"word":"earliest","start":221.995,"end":222.395,"confidence":0.99902344,"punctuated_word":"earliest","sentiment":"neutral","sentiment_score":-0.04819454997777939},{"word":"possible","start":222.395,"end":222.875,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":-0.08156570792198181},{"word":"point","start":222.875,"end":223.355,"confidence":0.9951172,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.05526535212993622},{"word":"so","start":223.355,"end":223.595,"confidence":0.9770508,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02877902984619141},{"word":"far","start":223.595,"end":223.83499,"confidence":0.99072266,"punctuated_word":"far.","sentiment":"neutral","sentiment_score":-0.04775495082139969},{"word":"so","start":223.83499,"end":224.075,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08366860449314117},{"word":"with","start":224.075,"end":224.315,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07700537145137787},{"word":"money","start":224.315,"end":224.555,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.09346024692058565},{"word":"that","start":224.555,"end":224.795,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09883683174848557},{"word":"is","start":224.795,"end":224.955,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08730694651603699},{"word":"in","start":224.955,"end":225.115,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09135621786117554},{"word":"our","start":225.115,"end":225.355,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0888853445649147},{"word":"personal","start":225.355,"end":225.83499,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.06977718323469162},{"word":"name","start":225.83499,"end":226.33499,"confidence":0.9941406,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.06532125174999237},{"word":"that","start":226.795,"end":227.035,"confidence":0.82128906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.052315764129161835},{"word":"tends","start":227.035,"end":227.355,"confidence":0.99902344,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.07867869734764099},{"word":"to","start":227.355,"end":227.515,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07870589196681976},{"word":"be","start":227.515,"end":227.595,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0956207439303398},{"word":"something","start":227.595,"end":227.915,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1063780039548874},{"word":"we","start":227.915,"end":227.995,"confidence":0.9003906,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10874117910861968},{"word":"wanna","start":227.995,"end":228.315,"confidence":0.9667969,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14120164513587952},{"word":"take","start":228.315,"end":228.475,"confidence":0.99609375,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12759777903556824},{"word":"a","start":228.475,"end":228.555,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09852052479982376},{"word":"bit","start":228.555,"end":228.715,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07928737998008728},{"word":"less","start":228.715,"end":228.955,"confidence":0.9970703,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.06905828416347504},{"word":"risk","start":228.955,"end":229.19499,"confidence":0.9941406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04242583364248276},{"word":"on","start":229.19499,"end":229.355,"confidence":0.984375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16219529509544373},{"word":"because","start":229.355,"end":229.595,"confidence":0.84765625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.14064566791057587},{"word":"we","start":229.595,"end":229.755,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1818745583295822},{"word":"can","start":229.755,"end":229.915,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2223728448152542},{"word":"access","start":229.915,"end":230.315,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.1574678122997284},{"word":"those","start":230.315,"end":230.555,"confidence":0.98828125,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.19678927958011627},{"word":"funds","start":230.555,"end":230.875,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.17526087164878845},{"word":"if","start":230.875,"end":231.115,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2509021759033203},{"word":"we","start":231.115,"end":231.19499,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14581865072250366},{"word":"need","start":231.19499,"end":231.435,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1836605966091156},{"word":"to","start":231.435,"end":231.595,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.149047389626503},{"word":"and","start":231.595,"end":231.755,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12304136157035828},{"word":"withdraw","start":231.755,"end":232.155,"confidence":0.9951172,"punctuated_word":"withdraw","sentiment":"neutral","sentiment_score":0.14986485242843628},{"word":"them","start":232.155,"end":232.65,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.21981242299079895},{"word":"at","start":232.65,"end":232.81,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17376960813999176},{"word":"an","start":232.81,"end":233.04999,"confidence":0.94628906,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19614559412002563},{"word":"earlier","start":233.04999,"end":233.37,"confidence":0.98095703,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.16681984066963196},{"word":"point","start":233.37,"end":233.68999,"confidence":0.99609375,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.13925014436244965},{"word":"if","start":233.68999,"end":233.84999,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15784665942192078},{"word":"we","start":233.84999,"end":234.01,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0989009439945221},{"word":"need","start":234.01,"end":234.17,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.11534184962511064},{"word":"to","start":234.17,"end":234.32999,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13179686665534973},{"word":"as","start":234.32999,"end":234.56999,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14258649945259094},{"word":"well","start":234.56999,"end":235.06999,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.16795536875724792},{"word":"does","start":235.37,"end":235.61,"confidence":0.7241211,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07379574328660965},{"word":"that","start":235.61,"end":235.84999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16690132021903992},{"word":"still","start":235.84999,"end":236.09,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05345101282000542},{"word":"feel","start":236.09,"end":236.25,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.08459338545799255},{"word":"like","start":236.25,"end":236.48999,"confidence":0.99316406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11174970865249634},{"word":"it's","start":236.48999,"end":236.65,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10155000537633896},{"word":"in","start":236.65,"end":236.73,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11951419711112976},{"word":"your","start":236.73,"end":236.97,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09445744752883913},{"word":"comfort","start":236.97,"end":237.37,"confidence":1.0,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.0755084827542305},{"word":"level","start":237.37,"end":237.61,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.09733768552541731},{"word":"there","start":237.61,"end":238.11,"confidence":0.99902344,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.09727916121482848},{"word":"yeah","start":240.32999,"end":240.82999,"confidence":0.74487305,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3675113320350647},{"word":"yeah","start":241.68999,"end":242.09,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4544295072555542},{"word":"beautiful","start":242.09,"end":242.59,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6855117082595825},{"word":"we're","start":242.73,"end":242.97,"confidence":0.78515625,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.37480998039245605},{"word":"just","start":242.97,"end":243.12999,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3121720552444458},{"word":"sort","start":243.12999,"end":243.37,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3529587984085083},{"word":"of","start":243.37,"end":243.53,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26747721433639526},{"word":"running","start":243.53,"end":243.76999,"confidence":1.0,"punctuated_word":"running","sentiment":"neutral","sentiment_score":0.24061435461044312},{"word":"my","start":243.76999,"end":243.93,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.23667339980602264},{"word":"eyes","start":243.93,"end":244.17,"confidence":1.0,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.2244100123643875},{"word":"over","start":244.17,"end":244.40999,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2916836142539978},{"word":"the","start":244.40999,"end":244.56999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2692987620830536},{"word":"investments","start":244.56999,"end":245.06999,"confidence":0.65234375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.16298776865005493},{"word":"recommended","start":245.12999,"end":245.62999,"confidence":0.9411621,"punctuated_word":"recommended.","sentiment":"neutral","sentiment_score":0.21901382505893707},{"word":"so","start":245.84999,"end":246.225,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23278263211250305},{"word":"we'd","start":246.38501,"end":246.705,"confidence":0.81469727,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.2658017575740814},{"word":"see","start":246.705,"end":246.865,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2750980257987976},{"word":"about","start":246.865,"end":247.18501,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21413759887218475},{"word":"4%","start":247.18501,"end":247.74501,"confidence":0.9995117,"punctuated_word":"4%","sentiment":"neutral","sentiment_score":0.2618218660354614},{"word":"invested","start":247.74501,"end":248.145,"confidence":0.9707031,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.21480892598629},{"word":"in","start":248.145,"end":248.30501,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29200220108032227},{"word":"cybersecurity","start":248.30501,"end":248.80501,"confidence":0.9577637,"punctuated_word":"cybersecurity.","sentiment":"neutral","sentiment_score":0.1816321462392807},{"word":"we're","start":249.10501,"end":249.345,"confidence":0.9980469,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.35082656145095825},{"word":"still","start":249.345,"end":249.66501,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.35466963052749634},{"word":"recommending","start":249.66501,"end":250.16501,"confidence":1.0,"punctuated_word":"recommending","sentiment":"positive","sentiment_score":0.4678540825843811},{"word":"cybersecurity","start":250.38501,"end":250.88501,"confidence":0.9951172,"punctuated_word":"cybersecurity","sentiment":"positive","sentiment_score":0.46049222350120544},{"word":"in","start":251.02501,"end":251.18501,"confidence":0.9921875,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4575353264808655},{"word":"our","start":251.18501,"end":251.425,"confidence":0.99902344,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.512129008769989},{"word":"portfolios","start":251.425,"end":251.925,"confidence":0.7849121,"punctuated_word":"portfolios,","sentiment":"positive","sentiment_score":0.4532993733882904},{"word":"and","start":251.985,"end":252.30501,"confidence":0.95703125,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5589271187782288},{"word":"it","start":252.30501,"end":252.46501,"confidence":0.9013672,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.722734272480011},{"word":"is","start":252.46501,"end":252.625,"confidence":0.92089844,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6631568670272827},{"word":"still","start":252.625,"end":252.865,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.6208468079566956},{"word":"a","start":252.865,"end":252.945,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7031939029693604},{"word":"great","start":252.945,"end":253.18501,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7560092210769653},{"word":"place","start":253.18501,"end":253.505,"confidence":1.0,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.6660058498382568},{"word":"to","start":253.505,"end":253.66501,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6032536029815674},{"word":"be","start":253.66501,"end":254.16501,"confidence":0.99316406,"punctuated_word":"be.","sentiment":"positive","sentiment_score":0.5253350734710693},{"word":"this","start":254.46501,"end":254.705,"confidence":0.9277344,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.5300318598747253},{"word":"beta","start":254.705,"end":255.02501,"confidence":0.6435547,"punctuated_word":"beta","sentiment":"positive","sentiment_score":0.47257936000823975},{"word":"share","start":255.02501,"end":255.425,"confidence":0.71972656,"punctuated_word":"share","sentiment":"positive","sentiment_score":0.4364682734012604},{"word":"of","start":255.425,"end":255.505,"confidence":0.39941406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4114323854446411},{"word":"cybersecurity","start":255.505,"end":256.005,"confidence":0.9760742,"punctuated_word":"cybersecurity","sentiment":"positive","sentiment_score":0.34351348876953125},{"word":"is","start":256.305,"end":256.385,"confidence":0.99121094,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3440052568912506},{"word":"still","start":256.385,"end":256.70502,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3340795636177063},{"word":"giving","start":256.70502,"end":256.945,"confidence":0.9980469,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.3731088936328888},{"word":"you","start":256.945,"end":257.185,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.370619535446167},{"word":"global","start":257.185,"end":257.665,"confidence":0.99902344,"punctuated_word":"global","sentiment":"positive","sentiment_score":0.40449899435043335},{"word":"exposure","start":257.665,"end":258.14502,"confidence":0.8430176,"punctuated_word":"exposure,","sentiment":"neutral","sentiment_score":0.3192055821418762},{"word":"so","start":258.14502,"end":258.385,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.32728931307792664},{"word":"it","start":258.385,"end":258.465,"confidence":0.89208984,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4226703345775604},{"word":"is","start":258.465,"end":258.945,"confidence":0.9013672,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3590264320373535},{"word":"global","start":258.945,"end":259.42502,"confidence":0.7426758,"punctuated_word":"global","sentiment":"positive","sentiment_score":0.3341962695121765},{"word":"cybersecurity","start":259.42502,"end":259.92502,"confidence":0.98291016,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.32652440667152405},{"word":"there","start":260.225,"end":260.465,"confidence":0.99902344,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3706757128238678},{"word":"as","start":260.465,"end":260.625,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3533264696598053},{"word":"well","start":260.625,"end":261.125,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.32022297382354736},{"word":"we","start":261.69,"end":261.93,"confidence":0.99316406,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.4087983965873718},{"word":"still","start":261.93,"end":262.25,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.31248435378074646},{"word":"see","start":262.25,"end":262.75,"confidence":0.9941406,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.38493242859840393},{"word":"7%","start":262.88998,"end":263.69,"confidence":0.9230957,"punctuated_word":"7%","sentiment":"positive","sentiment_score":0.4425508975982666},{"word":"in","start":263.69,"end":264.09,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4332906305789947},{"word":"the","start":264.09,"end":264.41,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4066085815429687},{"word":"european","start":264.41,"end":264.91,"confidence":0.99902344,"punctuated_word":"European","sentiment":"positive","sentiment_score":0.34232214093208313},{"word":"exposure","start":265.61,"end":266.09,"confidence":0.9863281,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.25628662109375},{"word":"with","start":266.09,"end":266.25,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3667469322681427},{"word":"the","start":266.25,"end":266.41,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4228224158287048},{"word":"ishares","start":266.41,"end":266.91,"confidence":0.97094727,"punctuated_word":"iShares","sentiment":"positive","sentiment_score":0.4250330328941345},{"word":"europe","start":267.05,"end":267.37,"confidence":0.86279297,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":0.3263697922229767},{"word":"etf","start":267.37,"end":267.87,"confidence":0.9445801,"punctuated_word":"ETF,","sentiment":"neutral","sentiment_score":0.3297804892063141},{"word":"and","start":268.00998,"end":268.16998,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.427678644657135},{"word":"that","start":268.16998,"end":268.33,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6848382949829102},{"word":"is","start":268.33,"end":268.49,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6201819181442261},{"word":"still","start":268.49,"end":268.72998,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5919697284698486},{"word":"good","start":268.72998,"end":268.97,"confidence":0.99609375,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5287154912948608},{"word":"it","start":268.97,"end":269.13,"confidence":0.9980469,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4570097327232361},{"word":"is","start":269.13,"end":269.28998,"confidence":0.9667969,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3960675895214081},{"word":"still","start":269.28998,"end":269.44998,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4185309112071991},{"word":"giving","start":269.44998,"end":269.77,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.4496053159236908},{"word":"you","start":269.77,"end":270.00998,"confidence":0.99316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4675060510635376},{"word":"exposure","start":270.00998,"end":270.49,"confidence":0.9980469,"punctuated_word":"exposure","sentiment":"positive","sentiment_score":0.3699290454387665},{"word":"to","start":270.49,"end":270.65,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4435761272907257},{"word":"all","start":270.65,"end":270.88998,"confidence":0.9980469,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4014979004859924},{"word":"16","start":270.88998,"end":271.37,"confidence":0.9838867,"punctuated_word":"16","sentiment":"positive","sentiment_score":0.3646664321422577},{"word":"european","start":271.37,"end":271.87,"confidence":0.99902344,"punctuated_word":"European","sentiment":"neutral","sentiment_score":0.32460564374923706},{"word":"countries","start":271.93,"end":272.41,"confidence":0.87231445,"punctuated_word":"countries,","sentiment":"positive","sentiment_score":0.3447539806365967},{"word":"so","start":272.41,"end":272.56998,"confidence":0.98828125,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.33451613783836365},{"word":"diversification","start":272.56998,"end":273.06998,"confidence":0.9995117,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.40904176235198975},{"word":"there","start":273.53,"end":273.93,"confidence":0.91748047,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3965826630592346},{"word":"and","start":273.93,"end":274.09,"confidence":0.9453125,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3665403723716736},{"word":"we're","start":274.09,"end":274.33,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.44539445638656616},{"word":"still","start":274.33,"end":274.56998,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3763465881347656},{"word":"seeing","start":274.56998,"end":274.88998,"confidence":1.0,"punctuated_word":"seeing","sentiment":"positive","sentiment_score":0.4636584520339966},{"word":"some","start":274.88998,"end":275.13,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4454473555088043},{"word":"good","start":275.13,"end":275.37,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5510677695274353},{"word":"growth","start":275.37,"end":275.61,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6032400727272034},{"word":"out","start":275.61,"end":275.84998,"confidence":0.99902344,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5778542160987854},{"word":"of","start":275.84998,"end":275.93,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4878017008304596},{"word":"that","start":275.93,"end":276.16998,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.49850165843963623},{"word":"area","start":276.16998,"end":276.66998,"confidence":0.9995117,"punctuated_word":"area.","sentiment":"positive","sentiment_score":0.3925553560256958},{"word":"this","start":277.845,"end":278.08502,"confidence":0.9770508,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.2813233733177185},{"word":"also","start":278.08502,"end":278.48502,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19133463501930237},{"word":"does","start":278.48502,"end":278.725,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.20184074342250824},{"word":"see","start":278.725,"end":278.965,"confidence":0.9375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2389918565750122},{"word":"about","start":278.965,"end":279.20502,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.19047297537326813},{"word":"3%","start":279.20502,"end":279.92502,"confidence":0.99853516,"punctuated_word":"3%","sentiment":"neutral","sentiment_score":0.19525453448295593},{"word":"invested","start":279.92502,"end":280.405,"confidence":0.99902344,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.13671541213989258},{"word":"in","start":280.405,"end":280.565,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2129177451133728},{"word":"the","start":280.565,"end":280.725,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2007082849740982},{"word":"japanese","start":280.725,"end":281.225,"confidence":1.0,"punctuated_word":"Japanese","sentiment":"neutral","sentiment_score":0.11685185879468918},{"word":"etf","start":281.605,"end":282.105,"confidence":0.96875,"punctuated_word":"ETF","sentiment":"neutral","sentiment_score":0.1344723403453827},{"word":"as","start":282.245,"end":282.48502,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16857348382472992},{"word":"well","start":282.48502,"end":282.98502,"confidence":0.87158203,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1517290472984314},{"word":"with","start":283.125,"end":283.36502,"confidence":0.97998047,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.2216871976852417},{"word":"everything","start":283.36502,"end":283.765,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.19980335235595703},{"word":"it","start":283.765,"end":283.92502,"confidence":0.49316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19027097523212433},{"word":"has","start":283.92502,"end":284.165,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1496204137802124},{"word":"gone","start":284.165,"end":284.405,"confidence":0.8310547,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.21944794058799744},{"word":"on","start":284.405,"end":284.725,"confidence":0.9838867,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1675480306148529},{"word":"over","start":284.725,"end":284.885,"confidence":0.9667969,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.16523276269435885},{"word":"the","start":284.885,"end":285.045,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16370055079460144},{"word":"past","start":285.045,"end":285.36502,"confidence":0.99902344,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.12490370124578476},{"word":"few","start":285.36502,"end":285.52502,"confidence":0.9941406,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.08729168772697449},{"word":"months","start":285.52502,"end":285.92502,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.08411096036434174},{"word":"with","start":285.92502,"end":286.42502,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09731942415237428},{"word":"the","start":286.565,"end":286.965,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06717284768819809},{"word":"iraq","start":286.965,"end":287.36502,"confidence":0.99121094,"punctuated_word":"Iraq","sentiment":"neutral","sentiment_score":-0.007375210523605347},{"word":"so","start":287.52502,"end":287.765,"confidence":0.93359375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10218711197376253},{"word":"the","start":287.765,"end":287.92502,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10637858510017396},{"word":"iran","start":287.92502,"end":288.245,"confidence":0.99902344,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":0.03586385399103165},{"word":"and","start":288.245,"end":288.48502,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04738933593034744},{"word":"the","start":288.48502,"end":288.64502,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07791009545326233},{"word":"us","start":288.64502,"end":288.9,"confidence":0.9873047,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.0010798722505569458},{"word":"war","start":288.97998,"end":289.3,"confidence":0.7788086,"punctuated_word":"war,","sentiment":"neutral","sentiment_score":0.11529558151960372},{"word":"plus","start":289.3,"end":289.46,"confidence":1.0,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.10746513307094574},{"word":"the","start":289.46,"end":289.62,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1047479286789894},{"word":"ups","start":289.62,"end":289.86,"confidence":0.99902344,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.0628146231174469},{"word":"and","start":289.86,"end":289.94,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10586094111204147},{"word":"downs","start":289.94,"end":290.25998,"confidence":0.9838867,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.06823001801967621},{"word":"we've","start":290.25998,"end":290.41998,"confidence":0.8786621,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.12190070003271104},{"word":"seen","start":290.41998,"end":290.58,"confidence":0.99121094,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.0817355141043663},{"word":"in","start":290.58,"end":290.74,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08620510250329971},{"word":"the","start":290.74,"end":290.82,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10756655037403108},{"word":"market","start":290.82,"end":291.22,"confidence":0.8388672,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.14903944730758667},{"word":"this","start":291.22,"end":291.46,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1539457142353058},{"word":"year","start":291.46,"end":291.94,"confidence":0.79418945,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.20382890105247495},{"word":"japan","start":291.94,"end":292.34,"confidence":1.0,"punctuated_word":"Japan","sentiment":"neutral","sentiment_score":0.28873538970947266},{"word":"is","start":292.34,"end":292.41998,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3741231262683869},{"word":"still","start":292.41998,"end":292.58,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3770766854286194},{"word":"a","start":292.58,"end":292.74,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4072435796260834},{"word":"good","start":292.74,"end":292.9,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.43778443336486816},{"word":"place","start":292.9,"end":293.13998,"confidence":1.0,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.41892147064208984},{"word":"to","start":293.13998,"end":293.3,"confidence":0.9350586,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4150627553462982},{"word":"be","start":293.3,"end":293.46,"confidence":0.99121094,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4168672561645508},{"word":"invested","start":293.46,"end":293.96,"confidence":0.69677734,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.2999374568462372},{"word":"i","start":294.02,"end":294.1,"confidence":0.54345703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23266099393367767},{"word":"know","start":294.1,"end":294.25998,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2147647887468338},{"word":"the","start":294.25998,"end":294.41998,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2541618049144745},{"word":"japanese","start":294.41998,"end":294.91998,"confidence":1.0,"punctuated_word":"Japanese","sentiment":"neutral","sentiment_score":0.2872110605239868},{"word":"actually","start":295.38,"end":295.78,"confidence":0.64746094,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.24751022458076477},{"word":"looked","start":295.78,"end":295.94,"confidence":0.9863281,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.25414448976516724},{"word":"after","start":295.94,"end":296.25998,"confidence":0.99316406,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.33841854333877563},{"word":"their","start":296.25998,"end":296.66,"confidence":0.9243164,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.20262056589126587},{"word":"citizens","start":296.66,"end":297.16,"confidence":0.8935547,"punctuated_word":"citizens","sentiment":"neutral","sentiment_score":0.20580554008483887},{"word":"very","start":297.3,"end":297.53998,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.3209860920906067},{"word":"well","start":297.53998,"end":297.86,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2874128222465515},{"word":"they","start":297.86,"end":298.1,"confidence":1.0,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.3504958152770996},{"word":"had","start":298.1,"end":298.25998,"confidence":0.9970703,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.39298322796821594},{"word":"a","start":298.25998,"end":298.34,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.408715307712555},{"word":"nice","start":298.34,"end":298.66,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.4810609817504883},{"word":"stockpile","start":298.66,"end":299.13998,"confidence":0.96240234,"punctuated_word":"stockpile","sentiment":"positive","sentiment_score":0.44504088163375854},{"word":"of","start":299.13998,"end":299.63998,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4000493586063385},{"word":"a","start":299.86,"end":299.94,"confidence":0.37036133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3042227625846863},{"word":"few","start":299.94,"end":300.25998,"confidence":0.9472656,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.294988751411438},{"word":"ready","start":300.25998,"end":300.58,"confidence":0.99121094,"punctuated_word":"ready","sentiment":"positive","sentiment_score":0.3473287522792816},{"word":"to","start":300.58,"end":300.74,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.273423969745636},{"word":"go","start":300.74,"end":300.9,"confidence":0.9580078,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.32885318994522095},{"word":"and","start":300.9,"end":301.06,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3154698312282562},{"word":"they","start":301.06,"end":301.22,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.45312345027923584},{"word":"were","start":301.22,"end":301.38,"confidence":0.9980469,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.4318726062774658},{"word":"one","start":301.38,"end":301.62,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.4837878048419952},{"word":"of","start":301.62,"end":301.69998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4551640450954437},{"word":"the","start":301.69998,"end":301.935,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4642462432384491},{"word":"best","start":302.01498,"end":302.335,"confidence":0.99902344,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4661707580089569},{"word":"well","start":302.335,"end":302.575,"confidence":0.9086914,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5052657127380371},{"word":"prepared","start":302.575,"end":303.075,"confidence":0.9902344,"punctuated_word":"prepared","sentiment":"positive","sentiment_score":0.4820955991744995},{"word":"countries","start":303.455,"end":303.955,"confidence":0.89746094,"punctuated_word":"countries","sentiment":"positive","sentiment_score":0.44759708642959595},{"word":"for","start":304.01498,"end":304.255,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4646666347980499},{"word":"what","start":304.255,"end":304.495,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.40917718410491943},{"word":"we","start":304.495,"end":304.735,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.36621952056884766},{"word":"just","start":304.735,"end":304.975,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.36487051844596863},{"word":"went","start":304.975,"end":305.475,"confidence":0.99902344,"punctuated_word":"went","sentiment":"positive","sentiment_score":0.35723239183425903},{"word":"through","start":305.855,"end":306.175,"confidence":0.9460449,"punctuated_word":"through.","sentiment":"positive","sentiment_score":0.33546096086502075},{"word":"so","start":306.175,"end":306.415,"confidence":0.9316406,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.35287460684776306},{"word":"it","start":306.415,"end":306.495,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.44777777791023254},{"word":"is","start":306.495,"end":306.735,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.37068670988082886},{"word":"still","start":306.735,"end":306.895,"confidence":0.9951172,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3992597460746765},{"word":"a","start":306.895,"end":306.975,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4701612591743469},{"word":"really","start":306.975,"end":307.215,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.49358898401260376},{"word":"good","start":307.215,"end":307.455,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5310089588165283},{"word":"place","start":307.455,"end":307.695,"confidence":0.9980469,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.5300993919372559},{"word":"to","start":307.695,"end":307.855,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4469771683216095},{"word":"be","start":307.855,"end":308.095,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4051881730556488},{"word":"invested","start":308.095,"end":308.575,"confidence":0.99902344,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.343086302280426},{"word":"there","start":308.575,"end":309.075,"confidence":0.9628906,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.38098421692848206},{"word":"and","start":309.455,"end":309.535,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1709865778684616},{"word":"then","start":309.535,"end":309.695,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1563553661108017},{"word":"we","start":309.695,"end":309.855,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15281924605369568},{"word":"do","start":309.855,"end":310.095,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19815593957901},{"word":"also","start":310.095,"end":310.335,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15735416114330292},{"word":"have","start":310.335,"end":310.495,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17720048129558563},{"word":"the","start":310.495,"end":310.655,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16182900965213776},{"word":"vanguard","start":310.655,"end":311.155,"confidence":0.9970703,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.12318215519189836},{"word":"all","start":311.29498,"end":311.455,"confidence":0.50878906,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.1537475883960724},{"word":"world","start":311.455,"end":311.855,"confidence":0.984375,"punctuated_word":"World","sentiment":"neutral","sentiment_score":0.16071419417858124},{"word":"ex","start":311.855,"end":312.175,"confidence":0.4724121,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":0.14710475504398346},{"word":"us","start":312.175,"end":312.655,"confidence":0.98095703,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.06811615824699402},{"word":"etf","start":312.655,"end":313.155,"confidence":0.9453125,"punctuated_word":"ETF,","sentiment":"neutral","sentiment_score":0.11389603465795516},{"word":"which","start":313.215,"end":313.455,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1242014467716217},{"word":"is","start":313.455,"end":313.775,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10273219645023346},{"word":"giving","start":313.775,"end":313.935,"confidence":0.9921875,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.12016534060239792},{"word":"you","start":313.935,"end":314.335,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12777474522590637},{"word":"the","start":314.335,"end":314.79,"confidence":0.4753418,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11454281955957411},{"word":"a","start":318.55002,"end":318.87,"confidence":0.6879883,"punctuated_word":"A.","sentiment":"neutral","sentiment_score":0.11439178884029388},{"word":"we","start":318.87,"end":319.11002,"confidence":0.88671875,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.11656728386878969},{"word":"would","start":319.11002,"end":319.35,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13877561688423157},{"word":"see","start":319.35,"end":319.67,"confidence":0.9941406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14637120068073273},{"word":"7%","start":319.67,"end":320.55002,"confidence":0.99560547,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.12795457243919373},{"word":"invested","start":320.55002,"end":321.03,"confidence":0.99902344,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.11393775790929794},{"word":"in","start":321.03,"end":321.19,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1595216989517212},{"word":"that","start":321.19,"end":321.59,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1452801376581192},{"word":"investment","start":321.59,"end":322.09,"confidence":0.9951172,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.09849318861961363},{"word":"again","start":322.15,"end":322.47,"confidence":0.99902344,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.14188359677791595},{"word":"we're","start":322.47,"end":322.63,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1390203833580017},{"word":"looking","start":322.63,"end":322.95,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1474418193101883},{"word":"at","start":322.95,"end":323.11002,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1370697319507599},{"word":"diversification","start":323.11002,"end":323.61002,"confidence":0.83121747,"punctuated_word":"diversification.","sentiment":"neutral","sentiment_score":0.13347920775413513},{"word":"so","start":323.99002,"end":324.49002,"confidence":0.7805176,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.16720256209373474},{"word":"essentially","start":325.03,"end":325.51,"confidence":0.97436523,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.14223089814186096},{"word":"spreading","start":325.51,"end":325.83002,"confidence":0.9902344,"punctuated_word":"spreading","sentiment":"neutral","sentiment_score":0.1899217665195465},{"word":"the","start":325.83002,"end":325.99002,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17930138111114502},{"word":"risk","start":325.99002,"end":326.23,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.1529737114906311},{"word":"of","start":326.23,"end":326.47,"confidence":0.40454102,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13640722632408142},{"word":"across","start":326.47,"end":326.87,"confidence":0.71484375,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.15222162008285522},{"word":"the","start":326.87,"end":327.03,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1349780261516571},{"word":"entire","start":327.03,"end":327.51,"confidence":1.0,"punctuated_word":"entire","sentiment":"neutral","sentiment_score":0.16553901135921478},{"word":"globe","start":327.51,"end":327.83002,"confidence":0.9506836,"punctuated_word":"globe,","sentiment":"neutral","sentiment_score":0.14647245407104492},{"word":"which","start":327.83002,"end":328.07,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13273489475250244},{"word":"is","start":328.07,"end":328.23,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1424732208251953},{"word":"appropriate","start":328.23,"end":328.73,"confidence":0.99902344,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.17106091976165771},{"word":"for","start":328.79,"end":329.205,"confidence":0.84716797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17783355712890625},{"word":"lowering","start":329.44498,"end":329.94498,"confidence":1.0,"punctuated_word":"lowering","sentiment":"neutral","sentiment_score":0.15538179874420166},{"word":"as","start":330.16498,"end":330.405,"confidence":0.8378906,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18869994580745697},{"word":"much","start":330.405,"end":330.56497,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.14846821129322052},{"word":"risk","start":330.56497,"end":330.88498,"confidence":0.9941406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.07602138817310333},{"word":"as","start":330.88498,"end":331.04498,"confidence":0.9428711,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17910590767860413},{"word":"market","start":331.205,"end":331.525,"confidence":0.9760742,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.10322175174951552},{"word":"risk","start":331.525,"end":331.76498,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.09418217837810516},{"word":"as","start":331.76498,"end":331.925,"confidence":0.9838867,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22536922991275787},{"word":"much","start":331.925,"end":332.16498,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2505972981452942},{"word":"as","start":332.16498,"end":332.32498,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24938754737377167},{"word":"possible","start":332.32498,"end":332.805,"confidence":0.90478516,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.19379070401191711},{"word":"but","start":332.805,"end":332.965,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.19418743252754211},{"word":"also","start":332.965,"end":333.28497,"confidence":0.9160156,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21486656367778775},{"word":"making","start":333.28497,"end":333.60498,"confidence":0.98828125,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2076088190078735},{"word":"sure","start":333.60498,"end":333.845,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2176346778869629},{"word":"we're","start":333.845,"end":334.085,"confidence":0.98095703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2168625295162201},{"word":"providing","start":334.085,"end":334.585,"confidence":1.0,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.2668365240097046},{"word":"getting","start":335.125,"end":335.525,"confidence":0.95703125,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.2699192464351654},{"word":"growth","start":335.525,"end":335.76498,"confidence":0.9863281,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2700483798980713},{"word":"from","start":335.76498,"end":336.085,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.23438698053359985},{"word":"as","start":336.085,"end":336.245,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23829177021980288},{"word":"many","start":336.245,"end":336.56497,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.24860423803329468},{"word":"different","start":336.56497,"end":336.88498,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.1896411180496216},{"word":"countries","start":336.88498,"end":337.365,"confidence":1.0,"punctuated_word":"countries","sentiment":"neutral","sentiment_score":0.21052952110767365},{"word":"as","start":337.365,"end":337.525,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.243937149643898},{"word":"possible","start":337.525,"end":338.025,"confidence":0.9995117,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.15102800726890564},{"word":"we","start":338.56497,"end":338.645,"confidence":0.9614258,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0805736631155014},{"word":"would","start":338.645,"end":338.88498,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10345744341611862},{"word":"also","start":338.88498,"end":339.125,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09595108032226562},{"word":"then","start":339.125,"end":339.44498,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10122913867235184},{"word":"see","start":339.44498,"end":339.685,"confidence":0.74560547,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.08908237516880035},{"word":"because","start":339.685,"end":340.00497,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07051907479763031},{"word":"that","start":340.00497,"end":340.245,"confidence":0.86865234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08033213764429092},{"word":"investment","start":340.245,"end":340.72498,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03843874856829643},{"word":"doesn't","start":340.72498,"end":341.04498,"confidence":0.99853516,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.06132576987147331},{"word":"include","start":341.04498,"end":341.525,"confidence":0.9980469,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.05241372808814049},{"word":"the","start":341.525,"end":341.76498,"confidence":0.9482422,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02998616173863411},{"word":"united","start":341.76498,"end":342.26498,"confidence":0.95703125,"punctuated_word":"United","sentiment":"neutral","sentiment_score":0.02730705961585045},{"word":"states","start":342.34998,"end":342.50998,"confidence":0.9902344,"punctuated_word":"States","sentiment":"neutral","sentiment_score":0.039155665785074234},{"word":"of","start":342.50998,"end":342.66998,"confidence":0.9980469,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.053619034588336945},{"word":"america","start":342.66998,"end":343.16998,"confidence":0.99609375,"punctuated_word":"America,","sentiment":"neutral","sentiment_score":0.04101836681365967},{"word":"the","start":343.22998,"end":343.47,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08095824718475342},{"word":"s","start":343.47,"end":343.62997,"confidence":0.8120117,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.07778813689947128},{"word":"and","start":343.62997,"end":343.78998,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0877007469534874},{"word":"p","start":343.78998,"end":344.03,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.07202586531639099},{"word":"500","start":344.03,"end":344.75,"confidence":0.9885254,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.08757497370243073},{"word":"which","start":344.75,"end":344.99,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07685820758342743},{"word":"is","start":344.99,"end":345.06998,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.062175408005714417},{"word":"giving","start":345.06998,"end":345.38998,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.07238054275512695},{"word":"you","start":345.38998,"end":345.71,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06388238072395325},{"word":"exposure","start":345.71,"end":346.11,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.05074899271130562},{"word":"to","start":346.11,"end":346.27,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07315795123577118},{"word":"the","start":346.27,"end":346.43,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06707523763179779},{"word":"top","start":346.43,"end":346.66998,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.09349124133586884},{"word":"500","start":346.66998,"end":347.31,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.09483274817466736},{"word":"companies","start":347.31,"end":347.78998,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.10297738760709764},{"word":"in","start":347.78998,"end":348.03,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04679355025291443},{"word":"the","start":348.03,"end":348.19,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0224514901638031},{"word":"us","start":348.19,"end":348.69,"confidence":0.7973633,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.0557810440659523},{"word":"as","start":349.31,"end":349.47,"confidence":0.94189453,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.1144968718290329},{"word":"much","start":349.47,"end":349.71,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06331197917461395},{"word":"as","start":349.71,"end":349.87,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09523984789848328},{"word":"we","start":349.87,"end":350.03,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09978478401899338},{"word":"still","start":350.03,"end":350.27,"confidence":0.9902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06005658209323883},{"word":"have","start":350.27,"end":350.50998,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05483385920524597},{"word":"seen","start":350.50998,"end":350.75,"confidence":0.9921875,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.037836529314517975},{"word":"the","start":350.75,"end":350.90997,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038574978709220886},{"word":"ups","start":350.90997,"end":351.15,"confidence":0.99902344,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.03703561052680016},{"word":"and","start":351.15,"end":351.22998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03574678301811218},{"word":"downs","start":351.22998,"end":351.55,"confidence":0.99902344,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.03715135157108307},{"word":"in","start":351.55,"end":351.71,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.019784338772296906},{"word":"the","start":351.71,"end":351.87,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0345015749335289},{"word":"market","start":351.87,"end":352.27,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.06073134392499924},{"word":"there","start":352.27,"end":352.77,"confidence":0.9975586,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05312398448586464},{"word":"it","start":353.06998,"end":353.15,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17293691635131836},{"word":"is","start":353.15,"end":353.38998,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16752251982688904},{"word":"still","start":353.38998,"end":353.71,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.16415709257125854},{"word":"appropriate","start":353.71,"end":354.21,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.15331479907035828},{"word":"to","start":354.315,"end":354.555,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1214211881160736},{"word":"be","start":354.555,"end":354.715,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07993276417255402},{"word":"invested","start":354.715,"end":355.115,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.1357157826423645},{"word":"in","start":355.115,"end":355.275,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10981296002864838},{"word":"that","start":355.275,"end":355.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11172299832105637},{"word":"area","start":355.515,"end":355.915,"confidence":0.9980469,"punctuated_word":"area.","sentiment":"neutral","sentiment_score":0.02892756648361683},{"word":"we","start":355.915,"end":356.075,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.5130570530891418},{"word":"have","start":356.075,"end":356.315,"confidence":0.9970703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5555868744850159},{"word":"still","start":356.315,"end":356.555,"confidence":0.99609375,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5074599981307983},{"word":"seen","start":356.555,"end":356.795,"confidence":0.984375,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.6424490809440613},{"word":"some","start":356.795,"end":356.95502,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.6425479650497437},{"word":"really","start":356.95502,"end":357.195,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7408836483955383},{"word":"good","start":357.195,"end":357.435,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7538499236106873},{"word":"growth","start":357.435,"end":357.755,"confidence":0.7314453,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.7063817977905273},{"word":"and","start":357.755,"end":357.915,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5960026979446411},{"word":"even","start":357.915,"end":358.155,"confidence":0.99902344,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.6191350221633911},{"word":"with","start":358.155,"end":358.395,"confidence":0.98291016,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.588575541973114},{"word":"everything","start":358.395,"end":358.875,"confidence":0.99609375,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.6009435057640076},{"word":"they've","start":358.875,"end":359.035,"confidence":0.8869629,"punctuated_word":"they've","sentiment":"positive","sentiment_score":0.5884509086608887},{"word":"gone","start":359.035,"end":359.275,"confidence":0.9970703,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.5775417685508728},{"word":"through","start":359.275,"end":359.595,"confidence":0.88842773,"punctuated_word":"through,","sentiment":"positive","sentiment_score":0.5548866391181946},{"word":"the","start":359.595,"end":359.835,"confidence":1.0,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.644910454750061},{"word":"us","start":359.835,"end":360.075,"confidence":1.0,"punctuated_word":"US","sentiment":"positive","sentiment_score":0.6594805717468262},{"word":"is","start":360.075,"end":360.155,"confidence":0.9526367,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7007496356964111},{"word":"still","start":360.155,"end":360.475,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.7510976195335388},{"word":"providing","start":360.475,"end":360.95502,"confidence":1.0,"punctuated_word":"providing","sentiment":"positive","sentiment_score":0.7919570207595825},{"word":"good","start":360.95502,"end":361.195,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7881304621696472},{"word":"returns","start":361.195,"end":361.695,"confidence":0.97387695,"punctuated_word":"returns.","sentiment":"positive","sentiment_score":0.6781340837478638},{"word":"so","start":362.315,"end":362.555,"confidence":0.92333984,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4641912281513214},{"word":"we've","start":362.555,"end":363.055,"confidence":0.81762695,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.5460442900657654},{"word":"would","start":363.275,"end":363.515,"confidence":0.96240234,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5543268918991089},{"word":"be","start":363.515,"end":363.675,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5553731322288513},{"word":"investing","start":363.675,"end":364.155,"confidence":1.0,"punctuated_word":"investing","sentiment":"positive","sentiment_score":0.39931848645210266},{"word":"25%","start":364.155,"end":365.115,"confidence":0.99869794,"punctuated_word":"25%","sentiment":"positive","sentiment_score":0.49388259649276733},{"word":"in","start":365.115,"end":365.355,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4538542330265045},{"word":"there","start":365.355,"end":365.855,"confidence":0.8479004,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4415169954299927},{"word":"and","start":366.23502,"end":366.395,"confidence":0.9770508,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.34036415815353394},{"word":"then","start":366.395,"end":366.555,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2828849256038666},{"word":"we've","start":366.555,"end":366.795,"confidence":0.99609375,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.37563055753707886},{"word":"also","start":366.795,"end":367.115,"confidence":0.99121094,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3318554162979126},{"word":"got","start":367.115,"end":367.355,"confidence":0.9970703,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.40740659832954407},{"word":"the","start":367.355,"end":367.515,"confidence":0.99316406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33780911564826965},{"word":"beta","start":367.515,"end":367.835,"confidence":0.5620117,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.26792246103286743},{"word":"shares","start":367.835,"end":368.335,"confidence":0.98095703,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.22613149881362915},{"word":"australian","start":368.72,"end":369.12003,"confidence":0.97314453,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.2608098089694977},{"word":"200","start":369.12003,"end":369.6,"confidence":0.8027954,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.26064249873161316},{"word":"so","start":369.6,"end":369.84003,"confidence":0.9536133,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3064335584640503},{"word":"giving","start":369.84003,"end":370.08002,"confidence":0.98535156,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.31627553701400757},{"word":"you","start":370.08002,"end":370.32,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3563993275165558},{"word":"exposure","start":370.32,"end":370.64,"confidence":0.9091797,"punctuated_word":"exposure","sentiment":"positive","sentiment_score":0.3377971947193146},{"word":"to","start":370.64,"end":370.80002,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4074893891811371},{"word":"the","start":370.80002,"end":370.96002,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38897505402565},{"word":"top","start":370.96002,"end":371.28003,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.308489590883255},{"word":"200","start":371.28003,"end":371.84003,"confidence":1.0,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.380215585231781},{"word":"companies","start":371.84003,"end":372.34003,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.2730664014816284},{"word":"on","start":372.40002,"end":372.56003,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.29931581020355225},{"word":"the","start":372.56003,"end":372.88,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3636239171028137},{"word":"asx","start":372.88,"end":373.38,"confidence":0.85514325,"punctuated_word":"ASX.","sentiment":"neutral","sentiment_score":0.2816901206970215},{"word":"and","start":373.84003,"end":374.0,"confidence":0.89453125,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4009086191654206},{"word":"that's","start":374.0,"end":374.24002,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5536219477653503},{"word":"a","start":374.24002,"end":374.32,"confidence":0.52441406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6221151351928711},{"word":"more","start":374.32,"end":374.56003,"confidence":0.9770508,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.46044686436653137},{"word":"of","start":374.56003,"end":374.64,"confidence":0.97802734,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5247344970703125},{"word":"a","start":374.64,"end":374.72,"confidence":0.9863281,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5902878046035767},{"word":"passively","start":374.72,"end":375.2,"confidence":0.9633789,"punctuated_word":"passively","sentiment":"positive","sentiment_score":0.508043646812439},{"word":"managed","start":375.2,"end":375.6,"confidence":0.9658203,"punctuated_word":"managed","sentiment":"positive","sentiment_score":0.4946639835834503},{"word":"fund","start":375.6,"end":375.84003,"confidence":0.8803711,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.5466330647468567},{"word":"which","start":375.84003,"end":376.08002,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7348671555519104},{"word":"is","start":376.08002,"end":376.24002,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.8259965777397156},{"word":"great","start":376.24002,"end":376.56003,"confidence":0.9975586,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.790661096572876},{"word":"we're","start":376.56003,"end":376.72,"confidence":0.99121094,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.7164903879165649},{"word":"still","start":376.72,"end":377.04,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.6917475461959839},{"word":"seeing","start":377.04,"end":377.36002,"confidence":0.99902344,"punctuated_word":"seeing","sentiment":"positive","sentiment_score":0.7686060070991516},{"word":"good","start":377.36002,"end":377.6,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7447876930236816},{"word":"returns","start":377.6,"end":378.08002,"confidence":0.99902344,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.7316094636917114},{"word":"from","start":378.08002,"end":378.32,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.7058696150779724},{"word":"that","start":378.32,"end":378.64,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.705014169216156},{"word":"investment","start":378.64,"end":379.14,"confidence":0.89575195,"punctuated_word":"investment,","sentiment":"positive","sentiment_score":0.5497363805770874},{"word":"and","start":379.92,"end":380.08002,"confidence":0.98291016,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5872136950492859},{"word":"we'd","start":380.08002,"end":380.32,"confidence":0.99609375,"punctuated_word":"we'd","sentiment":"positive","sentiment_score":0.5921861529350281},{"word":"hold","start":380.32,"end":380.64,"confidence":0.99609375,"punctuated_word":"hold","sentiment":"positive","sentiment_score":0.5366945862770081},{"word":"about","start":380.64,"end":380.88,"confidence":0.99121094,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.467955470085144},{"word":"20%","start":380.88,"end":381.6,"confidence":1.0,"punctuated_word":"20%","sentiment":"positive","sentiment_score":0.6029054522514343},{"word":"on","start":381.6,"end":381.84003,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.49529191851615906},{"word":"the","start":381.84003,"end":382.0,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5366508364677429},{"word":"australian","start":382.0,"end":382.5,"confidence":0.9892578,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.5300657749176025},{"word":"market","start":382.56003,"end":382.96002,"confidence":0.99902344,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.4446437358856201},{"word":"there","start":382.96002,"end":383.415,"confidence":0.9941406,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4462330937385559},{"word":"and","start":383.89502,"end":383.975,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23783811926841736},{"word":"then","start":383.975,"end":384.135,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19263955950737},{"word":"we'd","start":384.135,"end":384.45502,"confidence":0.9875488,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.2815450429916382},{"word":"also","start":384.45502,"end":384.855,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.22691303491592407},{"word":"have","start":384.855,"end":385.095,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23420350253582},{"word":"about","start":385.095,"end":385.33502,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18650546669960025},{"word":"10%","start":385.33502,"end":385.975,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.20601218938827515},{"word":"sitting","start":385.975,"end":386.295,"confidence":0.9863281,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.2464485764503479},{"word":"in","start":386.295,"end":386.61502,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20131967961788175},{"word":"a","start":386.61502,"end":386.775,"confidence":0.6381836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22865669429302216},{"word":"global","start":386.775,"end":387.255,"confidence":0.9951172,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.16686613857746124},{"word":"physical","start":387.575,"end":388.075,"confidence":0.6225586,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.14918898046016693},{"word":"gold","start":388.135,"end":388.635,"confidence":0.83984375,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.16833728551864624},{"word":"so","start":389.015,"end":389.17502,"confidence":0.79248047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2017451524734497},{"word":"giving","start":389.17502,"end":389.495,"confidence":0.9951172,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2448597252368927},{"word":"you","start":389.495,"end":389.655,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2655140161514282},{"word":"exposure","start":389.655,"end":390.05502,"confidence":0.9921875,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.24828054010868073},{"word":"to","start":390.05502,"end":390.295,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.295086145401001},{"word":"physical","start":390.295,"end":390.695,"confidence":0.99902344,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.17638054490089417},{"word":"gold","start":390.695,"end":390.935,"confidence":0.9682617,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.2657325863838196},{"word":"which","start":390.935,"end":391.17502,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.3271413743495941},{"word":"is","start":391.17502,"end":391.33502,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26874974370002747},{"word":"a","start":391.33502,"end":391.495,"confidence":0.9277344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34172797203063965},{"word":"growth","start":391.495,"end":391.815,"confidence":0.95410156,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.30052313208580017},{"word":"asset","start":391.815,"end":392.135,"confidence":0.9628906,"punctuated_word":"asset,","sentiment":"neutral","sentiment_score":0.2758173644542694},{"word":"but","start":392.135,"end":392.295,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2029595971107483},{"word":"it's","start":392.295,"end":392.45502,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.25495588779449463},{"word":"also","start":392.45502,"end":392.935,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.27061742544174194},{"word":"defensive","start":392.935,"end":393.435,"confidence":0.9980469,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.18633922934532168},{"word":"in","start":393.495,"end":393.655,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20261169970035553},{"word":"nature","start":393.655,"end":394.135,"confidence":0.9797363,"punctuated_word":"nature.","sentiment":"neutral","sentiment_score":0.18860603868961337},{"word":"so","start":394.135,"end":394.635,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22861361503601071},{"word":"gold","start":394.695,"end":395.015,"confidence":0.97265625,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.22531209886074063},{"word":"is","start":395.015,"end":395.17502,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23292294144630432},{"word":"it","start":395.255,"end":395.415,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2800167500972748},{"word":"always","start":395.415,"end":395.655,"confidence":0.9980469,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2870136499404907},{"word":"gets","start":395.655,"end":395.975,"confidence":0.98291016,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.29493823647499084},{"word":"growth","start":395.975,"end":396.215,"confidence":0.8391113,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.231469988822937},{"word":"we","start":396.215,"end":396.375,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.30846643447875977},{"word":"all","start":396.375,"end":396.535,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2978467047214508},{"word":"love","start":396.535,"end":396.775,"confidence":1.0,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.4026934504508972},{"word":"a","start":396.775,"end":396.855,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3770407438278198},{"word":"little","start":396.855,"end":397.095,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3555828034877777},{"word":"bit","start":397.095,"end":397.255,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.33739402890205383},{"word":"of","start":397.255,"end":397.33502,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3296385109424591},{"word":"gold","start":397.33502,"end":397.83,"confidence":0.8195801,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":0.31056034564971924},{"word":"but","start":398.38998,"end":398.55,"confidence":0.99316406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.17373591661453247},{"word":"then","start":398.55,"end":398.87,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15304093062877655},{"word":"whenever","start":398.87,"end":399.37,"confidence":0.69433594,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.12987110018730164},{"word":"equities","start":399.43,"end":399.90997,"confidence":0.99609375,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.13383102416992188},{"word":"have","start":399.90997,"end":400.06998,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07572242617607117},{"word":"a","start":400.06998,"end":400.15,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10640935599803925},{"word":"bit","start":400.15,"end":400.31,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0745035707950592},{"word":"of","start":400.31,"end":400.47,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11102540791034698},{"word":"a","start":400.47,"end":400.55,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11139674484729768},{"word":"downtime","start":400.55,"end":401.05,"confidence":0.9506836,"punctuated_word":"downtime,","sentiment":"neutral","sentiment_score":0.05721041560173035},{"word":"just","start":401.11,"end":401.50998,"confidence":0.9394531,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09937070310115814},{"word":"people","start":401.50998,"end":401.83,"confidence":0.75439453,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.087538942694664},{"word":"tend","start":401.83,"end":402.15,"confidence":0.7890625,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.12588930130004883},{"word":"to","start":402.15,"end":402.31,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12149262428283691},{"word":"use","start":402.31,"end":402.55,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.1025109589099884},{"word":"gold","start":402.55,"end":402.71,"confidence":0.99902344,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.12596361339092255},{"word":"as","start":402.71,"end":402.83,"confidence":0.67529297,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15722082555294037},{"word":"a","start":402.83,"end":402.94998,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20336367189884183},{"word":"bit","start":402.94998,"end":403.18997,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1867142468690872},{"word":"of","start":403.18997,"end":403.34998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24066832661628723},{"word":"a","start":403.34998,"end":403.43,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20210516452789307},{"word":"safe","start":403.43,"end":403.66998,"confidence":0.9892578,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":0.10905955731868744},{"word":"haven","start":403.66998,"end":404.16998,"confidence":0.8786621,"punctuated_word":"haven.","sentiment":"neutral","sentiment_score":0.18476581573486328},{"word":"so","start":404.22998,"end":404.62997,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31282901763916016},{"word":"it","start":404.62997,"end":404.78998,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35668379068374634},{"word":"can","start":404.78998,"end":404.94998,"confidence":0.9658203,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3481028974056244},{"word":"act","start":404.94998,"end":405.27,"confidence":0.9970703,"punctuated_word":"act","sentiment":"positive","sentiment_score":0.4181422293186188},{"word":"defensively","start":405.27,"end":405.77,"confidence":0.9223633,"punctuated_word":"defensively","sentiment":"positive","sentiment_score":0.37186604738235474},{"word":"when","start":405.99,"end":406.15,"confidence":0.99902344,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.4763166308403015},{"word":"it","start":406.15,"end":406.22998,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3859393298625946},{"word":"needs","start":406.22998,"end":406.55,"confidence":1.0,"punctuated_word":"needs","sentiment":"positive","sentiment_score":0.34499698877334595},{"word":"to","start":406.55,"end":406.71,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36535289883613586},{"word":"as","start":406.71,"end":406.87,"confidence":0.9863281,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3413701057434082},{"word":"well","start":406.87,"end":407.11,"confidence":0.9838867,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.4196455478668213},{"word":"which","start":407.11,"end":407.43,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5026565194129944},{"word":"is","start":407.43,"end":407.59,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.47668689489364624},{"word":"great","start":407.59,"end":408.09,"confidence":0.9904785,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.43677204847335815},{"word":"and","start":408.71,"end":408.94998,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1944873332977295},{"word":"then","start":408.94998,"end":409.44998,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2145465612411499},{"word":"we've","start":409.59,"end":409.83,"confidence":0.97143555,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2259274423122406},{"word":"just","start":409.83,"end":410.06998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24341228604316711},{"word":"got","start":410.06998,"end":410.31,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.22934839129447937},{"word":"the","start":410.31,"end":410.655,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19772444665431976},{"word":"defensive","start":410.895,"end":411.395,"confidence":0.98828125,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.11154437810182571},{"word":"investments","start":411.455,"end":411.855,"confidence":0.99316406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.12081193923950195},{"word":"within","start":411.855,"end":412.175,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.12591814994812012},{"word":"this","start":412.175,"end":412.335,"confidence":0.39331055,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1978830099105835},{"word":"sort","start":412.335,"end":412.495,"confidence":0.97802734,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13649044930934906},{"word":"of","start":412.495,"end":412.575,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17682413756847382},{"word":"portfolio","start":412.575,"end":413.075,"confidence":0.8930664,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1440735161304474},{"word":"so","start":413.215,"end":413.455,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23083703219890592},{"word":"core","start":413.455,"end":413.695,"confidence":0.6660156,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.1979840099811554},{"word":"composite","start":413.695,"end":414.195,"confidence":0.97802734,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.19361619651317596},{"word":"bonds","start":414.255,"end":414.655,"confidence":0.9013672,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.21741795539855957},{"word":"giving","start":414.655,"end":414.895,"confidence":0.8095703,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.18975992500782013},{"word":"you","start":414.895,"end":415.135,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20534630119800568},{"word":"exposure","start":415.135,"end":415.635,"confidence":0.99902344,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.17899809777736664},{"word":"to","start":415.695,"end":416.195,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22834764420986176},{"word":"the","start":417.535,"end":417.695,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17973671853542328},{"word":"bonds","start":417.695,"end":418.095,"confidence":0.99316406,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.17671015858650208},{"word":"within","start":418.095,"end":418.595,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.14094103872776031},{"word":"associate","start":418.655,"end":419.155,"confidence":0.48120117,"punctuated_word":"associate","sentiment":"neutral","sentiment_score":0.1450003981590271},{"word":"government","start":419.455,"end":419.855,"confidence":0.59814453,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.16707441210746765},{"word":"and","start":419.855,"end":420.095,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1709298938512802},{"word":"corporate","start":420.095,"end":420.495,"confidence":0.98291016,"punctuated_word":"corporate","sentiment":"neutral","sentiment_score":0.13412556052207947},{"word":"bonds","start":420.495,"end":420.895,"confidence":0.9165039,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.16392210125923157},{"word":"it's","start":420.895,"end":421.055,"confidence":0.9885254,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1965758502483368},{"word":"also","start":421.055,"end":421.375,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17717814445495603},{"word":"giving","start":421.375,"end":421.695,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.23010697960853577},{"word":"you","start":421.695,"end":421.855,"confidence":0.9716797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22304022312164307},{"word":"exposure","start":421.855,"end":422.355,"confidence":0.9970703,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.17684036493301392},{"word":"to","start":422.415,"end":422.76,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2598586678504944},{"word":"physical","start":423.32,"end":423.82,"confidence":0.99609375,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.12876707315444946},{"word":"notes","start":424.28,"end":424.44,"confidence":0.69628906,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.12122170627117156},{"word":"and","start":424.44,"end":424.68002,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21566371619701383},{"word":"other","start":424.68002,"end":425.18002,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.16600340604782104},{"word":"bank","start":425.80002,"end":426.2,"confidence":0.9951172,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.1670864224433899},{"word":"notes","start":426.2,"end":426.44,"confidence":0.8833008,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.1627008020877838},{"word":"and","start":426.44,"end":426.6,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24188470840454104},{"word":"fixed","start":426.6,"end":426.84,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.1935930103063583},{"word":"interest","start":426.84,"end":427.34,"confidence":0.9223633,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.19107896089553833},{"word":"across","start":427.40002,"end":427.64,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.212994322180748},{"word":"the","start":427.64,"end":427.80002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24137991666793823},{"word":"globe","start":427.80002,"end":428.12,"confidence":0.9970703,"punctuated_word":"globe","sentiment":"neutral","sentiment_score":0.20380829274654388},{"word":"as","start":428.12,"end":428.28,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2395898848772049},{"word":"well","start":428.28,"end":428.6,"confidence":0.9724121,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2315211445093155},{"word":"so","start":428.6,"end":428.92,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.37993860244750977},{"word":"it","start":428.92,"end":429.08002,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4312952756881714},{"word":"is","start":429.08002,"end":429.24002,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3864369392395019},{"word":"a","start":429.24002,"end":429.32,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45651835203170776},{"word":"good","start":429.32,"end":429.56,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.473735511302948},{"word":"investment","start":429.56,"end":429.96002,"confidence":0.984375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.28131797909736633},{"word":"to","start":429.96002,"end":430.12,"confidence":0.6582031,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4286074638366699},{"word":"still","start":430.12,"end":430.36002,"confidence":0.9970703,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.42043188214302063},{"word":"have","start":430.36002,"end":430.52002,"confidence":0.9526367,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4254887700080872},{"word":"in","start":430.52002,"end":430.68002,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.42570245265960693},{"word":"there","start":430.68002,"end":431.18002,"confidence":0.73095703,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.45124953985214233},{"word":"betashares","start":431.80002,"end":432.30002,"confidence":0.92871094,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.1259407252073288},{"word":"bank","start":432.52002,"end":432.76,"confidence":0.87597656,"punctuated_word":"Bank","sentiment":"neutral","sentiment_score":0.13216117024421692},{"word":"hybrid","start":432.76,"end":433.26,"confidence":0.6479492,"punctuated_word":"Hybrid,","sentiment":"neutral","sentiment_score":0.13595126569271088},{"word":"that","start":433.48,"end":433.64,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1373578906059265},{"word":"one","start":433.64,"end":433.88,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11765223741531372},{"word":"is","start":433.88,"end":434.04,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11084114760160446},{"word":"still","start":434.04,"end":434.28,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12588733434677124},{"word":"appropriate","start":434.28,"end":434.76,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.11988750100135805},{"word":"for","start":434.76,"end":435.0,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12059403955936432},{"word":"the","start":435.0,"end":435.16,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13395215570926666},{"word":"time","start":435.16,"end":435.40002,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1311967968940735},{"word":"being","start":435.40002,"end":435.90002,"confidence":0.9970703,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.1076331064105034},{"word":"down","start":435.96002,"end":436.28,"confidence":0.8510742,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11942373216152193},{"word":"the","start":436.28,"end":436.44,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10263615101575851},{"word":"track","start":436.44,"end":436.68002,"confidence":0.98535156,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.1085149273276329},{"word":"that","start":436.68002,"end":436.92,"confidence":0.8535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05475802347064018},{"word":"may","start":436.92,"end":437.16,"confidence":0.8574219,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.03269082307815552},{"word":"be","start":437.16,"end":437.24002,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08338302373886108},{"word":"worth","start":437.24002,"end":437.535,"confidence":0.94140625,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.050155676901340485},{"word":"removing","start":437.695,"end":438.015,"confidence":0.6513672,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.0625336691737175},{"word":"out","start":438.015,"end":438.415,"confidence":0.80493164,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.0502796545624733},{"word":"but","start":438.415,"end":438.575,"confidence":0.96972656,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07705984264612198},{"word":"at","start":438.575,"end":438.655,"confidence":0.96240234,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06433720141649246},{"word":"the","start":438.655,"end":438.815,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0832894891500473},{"word":"moment","start":438.815,"end":439.215,"confidence":0.9880371,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08579020202159882},{"word":"it's","start":439.215,"end":439.45502,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10015837848186492},{"word":"it's","start":440.015,"end":440.17502,"confidence":0.6452637,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17111945152282715},{"word":"seen","start":440.17502,"end":440.335,"confidence":0.62597656,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.1597878485918045},{"word":"as","start":440.335,"end":440.495,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16149410605430603},{"word":"a","start":440.495,"end":440.655,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19342277944087985},{"word":"defensive","start":440.655,"end":441.155,"confidence":0.9892578,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.10609521716833116},{"word":"asset","start":441.215,"end":441.535,"confidence":0.9472656,"punctuated_word":"asset,","sentiment":"neutral","sentiment_score":0.19242191314697263},{"word":"but","start":441.535,"end":441.695,"confidence":0.9921875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.219865083694458},{"word":"it","start":441.695,"end":442.015,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30628809332847595},{"word":"it","start":442.015,"end":442.095,"confidence":0.8457031,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3836271464824677},{"word":"does","start":442.095,"end":442.335,"confidence":0.99902344,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.46852177381515503},{"word":"get","start":442.335,"end":442.495,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5349498391151428},{"word":"really","start":442.495,"end":442.73502,"confidence":0.9921875,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5167841911315918},{"word":"good","start":442.73502,"end":442.975,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.49130550026893616},{"word":"growth","start":442.975,"end":443.295,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4779866933822632},{"word":"as","start":443.295,"end":443.45502,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4139599204063415},{"word":"well","start":443.45502,"end":443.775,"confidence":0.8833008,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.29743558168411255},{"word":"so","start":443.775,"end":443.935,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23295417428016665},{"word":"it","start":443.935,"end":444.095,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2596166729927063},{"word":"is","start":444.095,"end":444.255,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25045904517173767},{"word":"still","start":444.255,"end":444.495,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2648422122001648},{"word":"fairly","start":444.495,"end":444.895,"confidence":0.99609375,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.3153960108757019},{"word":"appropriate","start":444.895,"end":445.295,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.28568994998931885},{"word":"to","start":445.295,"end":445.45502,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2711993157863617},{"word":"have","start":445.45502,"end":445.615,"confidence":0.94140625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2729937434196472},{"word":"in","start":445.615,"end":445.695,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2084515690803528},{"word":"the","start":445.695,"end":445.855,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26438188552856445},{"word":"portfolio","start":445.855,"end":446.355,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1790703982114792},{"word":"currently","start":446.73502,"end":447.215,"confidence":0.99609375,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.2370382845401764},{"word":"there","start":447.215,"end":447.715,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.19262173771858215},{"word":"did","start":448.575,"end":448.73502,"confidence":0.8925781,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.014408450573682783},{"word":"you","start":448.73502,"end":449.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019820846617221832},{"word":"feel","start":449.215,"end":449.535,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.005484726279973984},{"word":"like","start":449.535,"end":449.775,"confidence":0.95410156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.021824322640895844},{"word":"any","start":449.775,"end":450.015,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03109057992696762},{"word":"of","start":450.015,"end":450.175,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01790178194642067},{"word":"those","start":450.175,"end":450.575,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0029253140091896057},{"word":"would","start":450.575,"end":450.73502,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.024716492742300034},{"word":"need","start":450.73502,"end":450.975,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0330350399017334},{"word":"to","start":450.975,"end":451.055,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.032280273735523224},{"word":"be","start":451.055,"end":451.215,"confidence":0.9873047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0246272012591362},{"word":"sorta","start":451.215,"end":451.65,"confidence":0.7595215,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.05420388653874397},{"word":"changed","start":451.72998,"end":452.13,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.05669888108968735},{"word":"out","start":452.13,"end":452.37,"confidence":0.9975586,"punctuated_word":"out?","sentiment":"neutral","sentiment_score":0.02713865786790848},{"word":"do","start":452.37,"end":452.53,"confidence":0.99316406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.004451435059309006},{"word":"you","start":452.53,"end":452.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011078812181949615},{"word":"have","start":452.69,"end":452.85,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.013763103634119034},{"word":"any","start":452.85,"end":453.09,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0022278018295764923},{"word":"concerns","start":453.09,"end":453.57,"confidence":0.9970703,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.02113097533583641},{"word":"about","start":453.57,"end":453.72998,"confidence":0.9790039,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.026606973260641095},{"word":"any","start":453.72998,"end":453.97,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.004438783973455429},{"word":"of","start":453.97,"end":454.05,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02208719030022621},{"word":"those","start":454.05,"end":454.37,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.00891173630952835},{"word":"investments","start":454.37,"end":454.85,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.04178492724895477},{"word":"or","start":454.85,"end":455.00998,"confidence":0.8701172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.014141328632831572},{"word":"any","start":455.00998,"end":455.33,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0009103678166866302},{"word":"questions","start":455.33,"end":455.81,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.0031086690723896027},{"word":"at","start":455.81,"end":455.97,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.011646948754787443},{"word":"all","start":455.97,"end":456.47,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.01523638516664505},{"word":"yeah","start":462.13,"end":462.63,"confidence":0.8540039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09141585230827332},{"word":"yeah","start":473.835,"end":474.315,"confidence":0.8078613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.027634775266051292},{"word":"no","start":474.315,"end":474.815,"confidence":0.92626953,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11073467880487442},{"word":"that","start":477.195,"end":477.435,"confidence":0.90527344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.009321756660938265},{"word":"sounds","start":477.435,"end":477.755,"confidence":0.90722656,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":-0.01851806044578552},{"word":"okay","start":477.755,"end":478.255,"confidence":0.7561035,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.01553396973758936},{"word":"of","start":479.675,"end":479.995,"confidence":0.66796875,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.004640009254217148},{"word":"course","start":479.995,"end":480.495,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.04666324704885483},{"word":"mhmm","start":488.97,"end":489.47,"confidence":0.95666504,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.031499505043029785},{"word":"yeah","start":489.53,"end":490.03,"confidence":0.8161621,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03247581422328949},{"word":"yeah","start":490.81,"end":491.31,"confidence":0.92407227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15458187460899353},{"word":"yeah","start":491.37,"end":491.69,"confidence":0.9147949,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3411591351032257},{"word":"absolutely","start":491.69,"end":492.19,"confidence":0.99560547,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.542819619178772},{"word":"so","start":492.33002,"end":492.57,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3957698345184326},{"word":"all","start":492.57,"end":492.73,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4210145771503449},{"word":"those","start":492.73,"end":493.05002,"confidence":0.9921875,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.39735516905784607},{"word":"investments","start":493.05002,"end":493.45,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.31612923741340637},{"word":"are","start":493.45,"end":493.815,"confidence":0.9838867,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3613663613796234},{"word":"etfs","start":493.895,"end":494.215,"confidence":0.81901044,"punctuated_word":"ETFs,","sentiment":"neutral","sentiment_score":0.3048856556415558},{"word":"so","start":494.215,"end":494.295,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2809475362300873},{"word":"they","start":494.295,"end":494.535,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.33789581060409546},{"word":"do","start":494.535,"end":494.775,"confidence":0.9951172,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3937188386917114},{"word":"all","start":494.775,"end":495.015,"confidence":0.96875,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3845236599445343},{"word":"pay","start":495.015,"end":495.175,"confidence":0.70458984,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.3387366831302643},{"word":"out","start":495.175,"end":495.335,"confidence":0.7783203,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4296293258666992},{"word":"dividends","start":495.335,"end":495.815,"confidence":1.0,"punctuated_word":"dividends","sentiment":"positive","sentiment_score":0.4004981219768524},{"word":"and","start":495.815,"end":496.055,"confidence":0.9667969,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4609352648258209},{"word":"income","start":496.055,"end":496.535,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.47567832469940186},{"word":"as","start":496.535,"end":496.775,"confidence":0.92089844,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3888411223888397},{"word":"well","start":496.775,"end":497.015,"confidence":0.99902344,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4297811686992645},{"word":"as","start":497.015,"end":497.415,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.42977094650268555},{"word":"as","start":497.415,"end":497.655,"confidence":0.96240234,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.38421228528022766},{"word":"well","start":497.655,"end":497.895,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3690665662288666},{"word":"as","start":497.895,"end":498.055,"confidence":0.99316406,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.34136325120925903},{"word":"getting","start":498.055,"end":498.375,"confidence":0.97509766,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.421169251203537},{"word":"growth","start":498.375,"end":498.875,"confidence":0.9758301,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.37383532524108887},{"word":"so","start":499.335,"end":499.575,"confidence":0.7519531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3122018575668335},{"word":"those","start":499.575,"end":499.815,"confidence":0.9970703,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.477014422416687},{"word":"dividends","start":499.815,"end":500.295,"confidence":0.99902344,"punctuated_word":"dividends","sentiment":"positive","sentiment_score":0.366543173789978},{"word":"will","start":500.295,"end":500.45502,"confidence":0.9404297,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2958364188671112},{"word":"be","start":500.45502,"end":500.615,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.30834323167800903},{"word":"paid","start":500.615,"end":500.855,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.3212021291255951},{"word":"out","start":500.855,"end":501.095,"confidence":0.99902344,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3670152723789215},{"word":"to","start":501.095,"end":501.595,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3593645989894867},{"word":"your","start":501.815,"end":501.975,"confidence":0.9760742,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29588350653648376},{"word":"cash","start":501.975,"end":502.215,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.30083781480789185},{"word":"account","start":502.215,"end":502.535,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.26438719034194946},{"word":"within","start":502.535,"end":502.935,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.28621572256088257},{"word":"the","start":502.935,"end":503.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30043861269950867},{"word":"investment","start":503.015,"end":503.495,"confidence":0.9616699,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.21055883169174192},{"word":"and","start":503.495,"end":503.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2948000431060791},{"word":"we'll","start":503.655,"end":503.895,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.3067341446876526},{"word":"have","start":503.895,"end":503.975,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3981931805610657},{"word":"those","start":503.975,"end":504.295,"confidence":0.98535156,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4166299700736999},{"word":"reinvested","start":504.295,"end":504.795,"confidence":0.9946289,"punctuated_word":"reinvested","sentiment":"neutral","sentiment_score":0.3155972957611084},{"word":"back","start":504.935,"end":505.095,"confidence":0.99902344,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.42687171697616577},{"word":"into","start":505.095,"end":505.415,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3365100026130676},{"word":"the","start":505.415,"end":505.655,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22021475434303284},{"word":"portfolio","start":505.655,"end":506.155,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.18816497921943665},{"word":"for","start":506.215,"end":506.45502,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24699969589710236},{"word":"compounding","start":506.45502,"end":506.95502,"confidence":0.9975586,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.3013308644294739},{"word":"effects","start":507.095,"end":507.495,"confidence":0.7783203,"punctuated_word":"effects.","sentiment":"neutral","sentiment_score":0.2537769675254822},{"word":"so","start":507.495,"end":507.84,"confidence":0.9904785,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.29500097036361694},{"word":"yeah","start":507.91998,"end":508.24,"confidence":0.99853516,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.4061582088470459},{"word":"dividends","start":508.24,"end":508.74,"confidence":0.99316406,"punctuated_word":"dividends","sentiment":"positive","sentiment_score":0.482411652803421},{"word":"are","start":508.8,"end":508.96,"confidence":0.94970703,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5764042735099792},{"word":"absolutely","start":508.96,"end":509.44,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.6057925224304199},{"word":"something","start":509.44,"end":509.68,"confidence":1.0,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.5391210913658142},{"word":"we'd","start":509.68,"end":509.91998,"confidence":0.77075195,"punctuated_word":"we'd","sentiment":"positive","sentiment_score":0.5445578098297119},{"word":"like","start":509.91998,"end":510.16,"confidence":1.0,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5573530197143555},{"word":"to","start":510.16,"end":510.24,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5609617233276367},{"word":"consider","start":510.24,"end":510.74,"confidence":0.97753906,"punctuated_word":"consider.","sentiment":"positive","sentiment_score":0.45939791202545166},{"word":"when","start":510.96,"end":511.19998,"confidence":1.0,"punctuated_word":"When","sentiment":"positive","sentiment_score":0.3614976406097412},{"word":"we","start":511.19998,"end":511.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.32946377992630005},{"word":"look","start":511.36,"end":511.52,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3461030125617981},{"word":"at","start":511.52,"end":511.68,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3689502775669098},{"word":"a","start":511.68,"end":511.84,"confidence":0.9350586,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40508684515953064},{"word":"portfolio","start":511.84,"end":512.33997,"confidence":0.9995117,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.31006819009780884},{"word":"we","start":512.48,"end":512.72,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3628956079483032},{"word":"wanna","start":512.72,"end":512.96,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4207201600074768},{"word":"make","start":512.96,"end":513.12,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.32212162017822266},{"word":"sure","start":513.12,"end":513.36,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3274906873703003},{"word":"you're","start":513.36,"end":513.52,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.43251118063926697},{"word":"getting","start":513.52,"end":514.02,"confidence":1.0,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.41616156697273254},{"word":"both","start":514.08,"end":514.4,"confidence":0.8354492,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.4004970788955689},{"word":"growth","start":514.4,"end":514.72,"confidence":0.9243164,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5134961009025574},{"word":"and","start":514.72,"end":515.12,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.48945045471191406},{"word":"income","start":515.12,"end":515.6,"confidence":0.9902344,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.459419310092926},{"word":"out","start":515.6,"end":515.76,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3998998701572418},{"word":"of","start":515.76,"end":515.92,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3772487044334411},{"word":"that","start":515.92,"end":516.42,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.30981916189193726},{"word":"the","start":516.96,"end":517.12,"confidence":0.7001953,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.12335042655467988},{"word":"other","start":517.12,"end":517.27997,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06118115037679672},{"word":"thing","start":517.27997,"end":517.52,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.0882655680179596},{"word":"i","start":517.52,"end":517.68,"confidence":0.67626953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07650358974933624},{"word":"just","start":517.68,"end":517.92,"confidence":0.77441406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07305938750505447},{"word":"like","start":517.92,"end":518.0,"confidence":0.9951172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0671786218881607},{"word":"to","start":518.0,"end":518.16,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.082020603120327},{"word":"make","start":518.16,"end":518.32,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06346464157104492},{"word":"sure","start":518.32,"end":518.56,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08037041127681732},{"word":"you","start":518.56,"end":518.72,"confidence":0.96972656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11800838261842728},{"word":"are","start":518.72,"end":518.88,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08907245099544525},{"word":"aware","start":518.88,"end":519.12,"confidence":0.6464844,"punctuated_word":"aware,","sentiment":"neutral","sentiment_score":0.097824826836586},{"word":"and","start":519.12,"end":519.36,"confidence":0.4970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10943511873483658},{"word":"then","start":519.36,"end":519.6,"confidence":0.84228516,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1487066000699997},{"word":"you","start":519.6,"end":519.76,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10063436627388},{"word":"invested","start":519.76,"end":520.24,"confidence":0.5932617,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.13208192586898804},{"word":"in","start":520.24,"end":520.4,"confidence":0.9770508,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11217805743217468},{"word":"your","start":520.4,"end":520.56,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10242681205272676},{"word":"own","start":520.56,"end":520.72,"confidence":0.97509766,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.1183692142367363},{"word":"name","start":520.72,"end":520.96,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.11719547212123872},{"word":"as","start":520.96,"end":521.12,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12679588794708252},{"word":"well","start":521.12,"end":521.36,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.15235720574855804},{"word":"anyways","start":521.36,"end":521.76,"confidence":0.5449219,"punctuated_word":"anyways,","sentiment":"neutral","sentiment_score":0.1325959861278534},{"word":"so","start":521.76,"end":521.83997,"confidence":0.84814453,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08946859836578369},{"word":"you're","start":521.83997,"end":522.0,"confidence":0.98950195,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10832202434539796},{"word":"probably","start":522.0,"end":522.32,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.11796735227108002},{"word":"aware","start":522.32,"end":522.72,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.04277963191270828},{"word":"of","start":522.72,"end":522.8,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06814271211624146},{"word":"the","start":522.8,"end":522.88,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06528878957033157},{"word":"tax","start":522.88,"end":523.185,"confidence":0.9741211,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09275569021701811},{"word":"side","start":523.185,"end":523.345,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.040443748235702515},{"word":"of","start":523.345,"end":523.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06637443602085114},{"word":"things","start":523.505,"end":523.585,"confidence":0.98706055,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.04930905997753143},{"word":"but","start":524.465,"end":524.705,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09692558646202087},{"word":"every","start":524.705,"end":525.025,"confidence":0.9970703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0935739278793335},{"word":"year","start":525.025,"end":525.425,"confidence":0.75341797,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.10426847636699677},{"word":"at","start":525.425,"end":525.665,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11282947659492493},{"word":"the","start":525.665,"end":525.745,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11246061325073242},{"word":"end","start":525.745,"end":525.985,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.11349432170391084},{"word":"of","start":525.985,"end":526.145,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12824147939682007},{"word":"the","start":526.145,"end":526.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1259540319442749},{"word":"tax","start":526.305,"end":526.545,"confidence":0.99316406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10582909733057022},{"word":"year","start":526.545,"end":526.865,"confidence":0.91503906,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.12955105304718018},{"word":"you","start":526.865,"end":527.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12400905787944794},{"word":"will","start":527.025,"end":527.265,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1352437436580658},{"word":"get","start":527.265,"end":527.425,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16161975264549255},{"word":"a","start":527.425,"end":527.585,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11431077122688292},{"word":"tax","start":527.585,"end":527.825,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11485249549150468},{"word":"statement","start":527.825,"end":528.305,"confidence":0.9970703,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.11442364752292632},{"word":"for","start":528.305,"end":528.465,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11621244251728058},{"word":"the","start":528.465,"end":528.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10747165977954865},{"word":"investment","start":528.625,"end":529.125,"confidence":0.9951172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.054076358675956726},{"word":"portfolio","start":529.185,"end":529.685,"confidence":0.8691406,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.11523839086294174},{"word":"and","start":530.065,"end":530.225,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17381474375724792},{"word":"that","start":530.225,"end":530.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18079844117164612},{"word":"will","start":530.385,"end":530.625,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1589670479297638},{"word":"outline","start":530.625,"end":531.025,"confidence":0.99902344,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.15938706696033478},{"word":"all","start":531.025,"end":531.185,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18153385818004608},{"word":"the","start":531.185,"end":531.345,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1630106270313263},{"word":"information","start":531.345,"end":531.745,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.14226174354553223},{"word":"that","start":531.745,"end":531.90497,"confidence":0.67871094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1659570336341858},{"word":"your","start":531.90497,"end":532.145,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.094121053814888},{"word":"account","start":532.145,"end":532.465,"confidence":0.71240234,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.14313657581806183},{"word":"needs","start":532.465,"end":532.705,"confidence":0.60253906,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.16921915113925934},{"word":"to","start":532.705,"end":532.865,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.144012913107872},{"word":"include","start":532.865,"end":533.265,"confidence":0.9760742,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.1614789515733719},{"word":"in","start":533.265,"end":533.345,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1132635772228241},{"word":"your","start":533.345,"end":533.585,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13530990481376648},{"word":"tax","start":533.585,"end":533.825,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.14157365262508392},{"word":"return","start":533.825,"end":534.145,"confidence":0.99609375,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.18670527637004852},{"word":"there","start":534.145,"end":534.385,"confidence":0.9892578,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15856847167015076},{"word":"for","start":534.385,"end":534.545,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16736815869808197},{"word":"you","start":534.545,"end":534.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16583311557769775},{"word":"as","start":534.705,"end":534.865,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13609252870082855},{"word":"well","start":534.865,"end":535.105,"confidence":0.90771484,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10554547607898712},{"word":"so","start":535.105,"end":535.345,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10151786357164384},{"word":"growth","start":535.345,"end":535.745,"confidence":0.58984375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.10658614337444304},{"word":"income","start":535.745,"end":536.245,"confidence":0.97265625,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.11978958547115326},{"word":"any","start":536.61,"end":536.93,"confidence":0.984375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10932845622301102},{"word":"overseas","start":536.93,"end":537.43,"confidence":0.99316406,"punctuated_word":"overseas","sentiment":"neutral","sentiment_score":0.14924636483192444},{"word":"income","start":537.49,"end":537.81,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11822347342967988},{"word":"that's","start":537.81,"end":538.05,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11373697221279144},{"word":"being","start":538.05,"end":538.29,"confidence":0.9614258,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.09398581087589264},{"word":"paid","start":538.29,"end":538.52997,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.08766305446624756},{"word":"out","start":538.52997,"end":538.77,"confidence":0.9604492,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13303764164447784},{"word":"that","start":538.77,"end":539.01,"confidence":0.69921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11635977029800416},{"word":"needs","start":539.01,"end":539.33,"confidence":0.9980469,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.10459844768047331},{"word":"to","start":539.33,"end":539.49,"confidence":0.96972656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12833046913146973},{"word":"kind","start":539.49,"end":539.65,"confidence":0.97265625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11095046997070312},{"word":"of","start":539.65,"end":539.81,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1063041239976883},{"word":"be","start":539.81,"end":540.31,"confidence":0.98413086,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.12121810019016266},{"word":"you","start":540.77,"end":540.93,"confidence":0.94384766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09206792712211607},{"word":"know","start":540.93,"end":541.17,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10880479216575624},{"word":"accounted","start":541.17,"end":541.65,"confidence":0.9980469,"punctuated_word":"accounted","sentiment":"neutral","sentiment_score":0.12364891916513444},{"word":"for","start":541.65,"end":541.97,"confidence":0.73876953,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.13982775807380676},{"word":"any","start":541.97,"end":542.21,"confidence":0.99609375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13662505149841309},{"word":"deductions","start":542.21,"end":542.69,"confidence":0.99902344,"punctuated_word":"deductions","sentiment":"neutral","sentiment_score":0.12713736295700073},{"word":"that","start":542.69,"end":543.01,"confidence":0.8967285,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11631526798009872},{"word":"you","start":543.01,"end":543.08997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10982869565486908},{"word":"know","start":543.08997,"end":543.57,"confidence":0.97265625,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13356873393058777},{"word":"within","start":543.57,"end":543.89,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.12708143889904022},{"word":"the","start":543.89,"end":544.13,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15506717562675476},{"word":"funds","start":544.13,"end":544.45,"confidence":0.5683594,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.116323783993721},{"word":"that","start":544.45,"end":544.95,"confidence":0.94189453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18952599167823792},{"word":"that","start":545.01,"end":545.25,"confidence":0.7871094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1787080466747284},{"word":"can","start":545.25,"end":545.41,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.128742516040802},{"word":"be","start":545.41,"end":545.57,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15627363324165344},{"word":"accounted","start":545.57,"end":545.97,"confidence":0.99902344,"punctuated_word":"accounted","sentiment":"neutral","sentiment_score":0.12224588543176652},{"word":"for","start":545.97,"end":546.21,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17625433206558228},{"word":"as","start":546.21,"end":546.37,"confidence":0.9506836,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1318492591381073},{"word":"well","start":546.37,"end":546.52997,"confidence":0.9172363,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.14168590307235718},{"word":"all","start":546.52997,"end":546.69,"confidence":0.99316406,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.12418104708194733},{"word":"that","start":546.69,"end":546.85,"confidence":0.98291016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17517486214637756},{"word":"is","start":546.85,"end":547.01,"confidence":0.7260742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13851624727249146},{"word":"provided","start":547.01,"end":547.41,"confidence":0.99121094,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.1687471717596054},{"word":"in","start":547.41,"end":547.57,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18138843774795532},{"word":"a","start":547.57,"end":547.65,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2133923172950745},{"word":"tax","start":547.65,"end":547.89,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.16711057722568512},{"word":"statement","start":547.89,"end":548.29,"confidence":0.9980469,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.17140084505081177},{"word":"at","start":548.29,"end":548.45,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1447438895702362},{"word":"the","start":548.45,"end":548.52997,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16855216026306152},{"word":"end","start":548.52997,"end":548.69,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.18088415265083313},{"word":"of","start":548.69,"end":548.77,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1661553531885147},{"word":"the","start":548.77,"end":548.93,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15922243893146515},{"word":"year","start":548.93,"end":549.255,"confidence":0.8823242,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.17490355670452118},{"word":"and","start":549.335,"end":549.415,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17689989507198334},{"word":"that","start":549.415,"end":549.655,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.204833060503006},{"word":"just","start":549.655,"end":549.815,"confidence":0.9375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18395133316516876},{"word":"gets","start":549.815,"end":550.135,"confidence":0.99316406,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.1863442361354828},{"word":"given","start":550.135,"end":550.375,"confidence":0.9980469,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.18047748506069183},{"word":"to","start":550.375,"end":550.53503,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19565320014953613},{"word":"your","start":550.53503,"end":550.695,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16305126249790192},{"word":"accountant","start":550.695,"end":551.09503,"confidence":0.5317383,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.18478751182556152},{"word":"and","start":551.09503,"end":551.255,"confidence":0.42358398,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20051182806491852},{"word":"they","start":551.255,"end":551.415,"confidence":0.9453125,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.22152705490589145},{"word":"can","start":551.415,"end":551.575,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2002459019422531},{"word":"include","start":551.575,"end":551.895,"confidence":0.99902344,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.20284752547740936},{"word":"that","start":551.895,"end":552.135,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19490066170692444},{"word":"in","start":552.135,"end":552.215,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15106919407844543},{"word":"your","start":552.215,"end":552.375,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16731508076190948},{"word":"personal","start":552.375,"end":552.695,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.1077311635017395},{"word":"tax","start":552.695,"end":553.015,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.19632408022880551},{"word":"return","start":553.015,"end":553.335,"confidence":0.99609375,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.22187718749046328},{"word":"as","start":553.335,"end":553.495,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14570055902004242},{"word":"well","start":553.495,"end":553.975,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12564204633235931},{"word":"okay","start":553.975,"end":554.475,"confidence":0.80688477,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.14101234078407288},{"word":"yep","start":556.295,"end":556.795,"confidence":0.9160156,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4497111737728119},{"word":"beautiful","start":557.015,"end":557.515,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7092298269271851},{"word":"the","start":557.895,"end":558.055,"confidence":0.8276367,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.324445515871048},{"word":"only","start":558.055,"end":558.295,"confidence":0.9921875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.14345939457416534},{"word":"other","start":558.295,"end":558.375,"confidence":0.93603516,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08098964393138885},{"word":"thing","start":558.375,"end":558.615,"confidence":0.99609375,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.12683892250061035},{"word":"to","start":558.615,"end":558.695,"confidence":0.9589844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08300435543060303},{"word":"sort","start":558.695,"end":558.935,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10431360453367232},{"word":"of","start":558.935,"end":559.015,"confidence":0.80322266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028453245759010315},{"word":"make","start":559.015,"end":559.175,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.005867011845111847},{"word":"mention","start":559.175,"end":559.575,"confidence":0.9863281,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.06302573531866074},{"word":"was","start":559.575,"end":559.975,"confidence":0.6750488,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.06632639467716217},{"word":"obviously","start":559.975,"end":560.455,"confidence":0.80078125,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.08551878482103348},{"word":"with","start":560.455,"end":560.695,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05355403944849968},{"word":"this","start":560.695,"end":560.855,"confidence":0.99316406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04766472056508064},{"word":"one","start":560.855,"end":561.175,"confidence":0.98291016,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06759314984083176},{"word":"here","start":561.175,"end":561.675,"confidence":0.96655273,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.06655515730381012},{"word":"we","start":561.975,"end":562.475,"confidence":0.70703125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06546306610107422},{"word":"essentially","start":562.79004,"end":563.19,"confidence":0.9453125,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.06502951681613922},{"word":"did","start":563.19,"end":563.35004,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.10591845214366911},{"word":"have","start":563.35004,"end":563.59,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0780143216252327},{"word":"the","start":563.59,"end":563.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06602054834365845},{"word":"ongoing","start":563.83,"end":564.31,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.11879120022058488},{"word":"remuneration","start":564.31,"end":564.81,"confidence":0.99902344,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.07748798280954361},{"word":"side","start":565.03,"end":565.27,"confidence":0.9970703,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.08806770294904709},{"word":"of","start":565.27,"end":565.43,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08425256609916687},{"word":"things","start":565.43,"end":565.91003,"confidence":0.91308594,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.08486123383045197},{"word":"so","start":565.91003,"end":566.41003,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06472279131412506},{"word":"we","start":566.63,"end":566.79004,"confidence":0.92333984,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08993227779865265},{"word":"do","start":566.79004,"end":566.95,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07493875920772552},{"word":"charge","start":566.95,"end":567.27,"confidence":0.99609375,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.19050511717796328},{"word":"1.10%","start":567.27,"end":568.95,"confidence":1.0,"punctuated_word":"1.10%","sentiment":"neutral","sentiment_score":0.13688436150550842},{"word":"from","start":568.95,"end":569.19,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1764131784439087},{"word":"the","start":569.19,"end":569.43,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15889187157154083},{"word":"investment","start":569.43,"end":569.93,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.08102162927389145},{"word":"account","start":569.99005,"end":570.47003,"confidence":0.9970703,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.11407027393579484},{"word":"based","start":570.47003,"end":570.79004,"confidence":0.6064453,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.11999921500682832},{"word":"on","start":570.79004,"end":571.11005,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14523044228553772},{"word":"the","start":571.11005,"end":571.43,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1509401500225067},{"word":"the","start":571.43,"end":571.67004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1524018794298172},{"word":"advice","start":571.67004,"end":572.07,"confidence":0.9760742,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1555621773004532},{"word":"and","start":572.07,"end":572.23004,"confidence":0.8364258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1183321475982666},{"word":"what","start":572.23004,"end":572.39,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1194678246974945},{"word":"we","start":572.39,"end":572.47003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1046908050775528},{"word":"had","start":572.47003,"end":572.71,"confidence":0.6542969,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.12075315415859222},{"word":"sort","start":572.71,"end":572.87,"confidence":0.97314453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09542308002710342},{"word":"of","start":572.87,"end":573.03,"confidence":0.8154297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1063830554485321},{"word":"looked","start":573.03,"end":573.35004,"confidence":0.99902344,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.10773857682943344},{"word":"at","start":573.35004,"end":573.59,"confidence":0.8249512,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.09216565638780594},{"word":"this","start":573.59,"end":573.83,"confidence":0.99902344,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1440483182668686},{"word":"year","start":573.83,"end":573.99005,"confidence":0.9538574,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2081100046634674},{"word":"we're","start":573.99005,"end":574.23004,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.21549080312252045},{"word":"expecting","start":574.23004,"end":574.71,"confidence":1.0,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.27191853523254395},{"word":"$313","start":574.71,"end":576.15,"confidence":0.9991455,"punctuated_word":"$313","sentiment":"neutral","sentiment_score":0.2816675305366516},{"word":"to","start":576.15,"end":576.31,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26810595393180847},{"word":"be","start":576.31,"end":576.47003,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.253546804189682},{"word":"paid","start":576.47003,"end":576.71,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.24677513539791107},{"word":"from","start":576.71,"end":577.03,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.24176731705665588},{"word":"that","start":577.03,"end":577.27,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19489143788814545},{"word":"account","start":577.27,"end":577.77,"confidence":0.98999023,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.1585645228624344},{"word":"that's","start":578.415,"end":578.575,"confidence":0.9724121,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17291246354579926},{"word":"for","start":578.575,"end":578.815,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17630314826965332},{"word":"looking","start":578.815,"end":579.135,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.19313116371631625},{"word":"after","start":579.135,"end":579.455,"confidence":0.9902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.26529425382614136},{"word":"the","start":579.455,"end":579.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2584019601345062},{"word":"investment","start":579.615,"end":580.015,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14120501279830933},{"word":"account","start":580.015,"end":580.335,"confidence":0.9182129,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.2090626955032349},{"word":"and","start":580.335,"end":580.495,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18504756689071655},{"word":"that","start":580.495,"end":580.65497,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19498775899410248},{"word":"only","start":580.65497,"end":580.895,"confidence":0.9941406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11887234449386597},{"word":"ever","start":580.895,"end":581.135,"confidence":0.9970703,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.15109536051750183},{"word":"gets","start":581.135,"end":581.375,"confidence":0.9951172,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.1157042682170868},{"word":"charged","start":581.375,"end":581.615,"confidence":0.9980469,"punctuated_word":"charged","sentiment":"neutral","sentiment_score":0.09002916514873505},{"word":"when","start":581.615,"end":581.775,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1580759882926941},{"word":"the","start":581.775,"end":581.935,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1626986265182495},{"word":"money","start":581.935,"end":582.175,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.17029152810573578},{"word":"goes","start":582.175,"end":582.495,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.1409415304660797},{"word":"in","start":582.495,"end":582.735,"confidence":0.9980469,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.118705153465271},{"word":"so","start":582.735,"end":582.975,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11500585079193117},{"word":"once","start":582.975,"end":583.215,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.15630464255809784},{"word":"the","start":583.215,"end":583.375,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15030883252620697},{"word":"money","start":583.375,"end":583.615,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1752673089504242},{"word":"goes","start":583.615,"end":583.855,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.18296167254447937},{"word":"into","start":583.855,"end":584.095,"confidence":0.9448242,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17077253758907318},{"word":"the","start":584.095,"end":584.175,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14103403687477112},{"word":"investment","start":584.175,"end":584.65497,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06647655367851257},{"word":"account","start":584.65497,"end":584.975,"confidence":0.98950195,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.1029786542057991},{"word":"then","start":584.975,"end":585.135,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1257401704788208},{"word":"we","start":585.135,"end":585.295,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08234943449497223},{"word":"start","start":585.295,"end":585.615,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.10401802510023116},{"word":"charging","start":585.615,"end":586.115,"confidence":0.9980469,"punctuated_word":"charging","sentiment":"neutral","sentiment_score":0.18007247149944303},{"word":"the","start":586.255,"end":586.415,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10643203556537628},{"word":"ongoing","start":586.415,"end":586.895,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1402548849582672},{"word":"service","start":586.895,"end":587.295,"confidence":0.98095703,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.06080181896686554},{"word":"fee","start":587.295,"end":587.535,"confidence":0.7080078,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.12160934507846832},{"word":"for","start":587.535,"end":587.615,"confidence":0.87158203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11875970661640169},{"word":"that","start":587.615,"end":588.115,"confidence":0.8461914,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10859157145023346},{"word":"and","start":588.495,"end":588.575,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1332215666770935},{"word":"we'll","start":588.575,"end":588.895,"confidence":0.99658203,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.12821081280708313},{"word":"review","start":588.895,"end":589.215,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1562892645597458},{"word":"that","start":589.215,"end":589.455,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1103232279419899},{"word":"with","start":589.455,"end":589.615,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14736416935920715},{"word":"you","start":589.615,"end":589.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2489202469587326},{"word":"on","start":589.855,"end":589.935,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18501800298690796},{"word":"a","start":589.935,"end":590.095,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17340195178985596},{"word":"yearly","start":590.095,"end":590.495,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.1523999571800232},{"word":"basis","start":590.495,"end":590.85,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.1747329831123352},{"word":"the","start":590.85,"end":591.00995,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14967474341392517},{"word":"same","start":591.00995,"end":591.17,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.16479843854904175},{"word":"as","start":591.17,"end":591.25,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20052260160446167},{"word":"we","start":591.25,"end":591.32996,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20901568233966827},{"word":"will","start":591.32996,"end":591.64996,"confidence":0.9472656,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.22567245364189148},{"word":"with","start":591.64996,"end":591.81,"confidence":0.9370117,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21025601029396057},{"word":"your","start":591.81,"end":592.05,"confidence":0.96533203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21867521107196808},{"word":"super","start":592.05,"end":592.37,"confidence":0.87890625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2378665804862976},{"word":"as","start":592.37,"end":592.52997,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1806458979845047},{"word":"well","start":592.52997,"end":592.85,"confidence":0.99658203,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.03916339203715325},{"word":"but","start":592.85,"end":593.08997,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.015009287744760512},{"word":"do","start":593.08997,"end":593.32996,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.009552042931318285},{"word":"you","start":593.32996,"end":593.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008065029978752136},{"word":"have","start":593.41,"end":593.64996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0029146894812583923},{"word":"any","start":593.64996,"end":593.88995,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.006554391235113144},{"word":"questions","start":593.88995,"end":594.29,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.0029156040400266647},{"word":"in","start":594.29,"end":594.44995,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004746565595269203},{"word":"relation","start":594.44995,"end":594.85,"confidence":0.99902344,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":-0.005468424409627914},{"word":"to","start":594.85,"end":595.08997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005304835736751556},{"word":"any","start":595.08997,"end":595.32996,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.010363107547163963},{"word":"of","start":595.32996,"end":595.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006139399483799934},{"word":"that","start":595.41,"end":595.64996,"confidence":0.9975586,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.0027651526033878326},{"word":"is","start":595.64996,"end":595.73,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.016604669392108917},{"word":"there","start":595.73,"end":595.97,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.02073770947754383},{"word":"any","start":595.97,"end":596.20996,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.024177107959985733},{"word":"concerns","start":596.20996,"end":596.69,"confidence":0.99609375,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.04629793018102646},{"word":"at","start":596.69,"end":596.93,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03438826650381088},{"word":"all","start":596.93,"end":597.17,"confidence":0.951416,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.016057994216680527},{"word":"or","start":597.17,"end":597.32996,"confidence":0.99121094,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.0026000067591667175},{"word":"yeah","start":600.37,"end":600.85,"confidence":0.967041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20656970143318176},{"word":"yep","start":600.85,"end":601.32996,"confidence":0.9765625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14228811860084534},{"word":"that's","start":601.32996,"end":601.82996,"confidence":0.9470215,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20198768377304077},{"word":"so","start":608.495,"end":608.735,"confidence":0.9589844,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04101245105266571},{"word":"when","start":608.735,"end":608.975,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03166014701128006},{"word":"we","start":608.975,"end":609.135,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03757788613438606},{"word":"kind","start":609.135,"end":609.295,"confidence":0.9589844,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04166916757822037},{"word":"of","start":609.295,"end":609.455,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04253431037068367},{"word":"had","start":609.455,"end":609.695,"confidence":0.7792969,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.002822708338499069},{"word":"the","start":609.695,"end":610.015,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016738880425691605},{"word":"projected","start":610.015,"end":610.515,"confidence":0.99902344,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.045003730803728104},{"word":"outcome","start":610.735,"end":611.235,"confidence":0.9946289,"punctuated_word":"outcome,","sentiment":"neutral","sentiment_score":0.02811749465763569},{"word":"we","start":612.015,"end":612.175,"confidence":0.92333984,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03508089855313301},{"word":"were","start":612.175,"end":612.415,"confidence":0.9980469,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0068299174308776855},{"word":"looking","start":612.415,"end":612.815,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.02085850015282631},{"word":"at","start":612.815,"end":612.975,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.013689529150724413},{"word":"so","start":613.135,"end":613.295,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04081356897950173},{"word":"the","start":613.295,"end":613.695,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.059659503400325775},{"word":"the","start":613.695,"end":614.195,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07406684011220932},{"word":"balanced","start":614.415,"end":614.915,"confidence":0.69873047,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.08374525606632233},{"word":"growth","start":614.975,"end":615.375,"confidence":0.99316406,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09178350865840912},{"word":"portfolio","start":615.375,"end":615.875,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06886635720729828},{"word":"at","start":616.09503,"end":616.335,"confidence":0.9301758,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04340707138180733},{"word":"the","start":616.335,"end":616.495,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06769596040248871},{"word":"time","start":616.495,"end":616.735,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.054244209080934525},{"word":"had","start":616.735,"end":616.975,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06538772583007812},{"word":"a","start":616.975,"end":617.055,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07516546547412872},{"word":"five","start":617.055,"end":617.295,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.06301362812519073},{"word":"year","start":617.295,"end":617.535,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06015711650252342},{"word":"rolling","start":617.535,"end":617.855,"confidence":1.0,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.07012848556041718},{"word":"average","start":617.855,"end":618.175,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.04995941370725632},{"word":"of","start":618.175,"end":618.335,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06432674825191498},{"word":"around","start":618.335,"end":618.735,"confidence":0.96533203,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.07175202667713165},{"word":"about","start":618.735,"end":619.055,"confidence":0.97509766,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04973273724317551},{"word":"sort","start":619.055,"end":619.215,"confidence":0.95947266,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04878336936235428},{"word":"of","start":619.215,"end":619.53,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04989853501319885},{"word":"16.55%","start":619.61005,"end":621.23004,"confidence":0.99785155,"punctuated_word":"16.55%.","sentiment":"neutral","sentiment_score":0.06827251613140106},{"word":"obviously","start":621.69,"end":622.09,"confidence":0.75024414,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.052404895424842834},{"word":"i","start":622.09,"end":622.25,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12502196431159973},{"word":"don't","start":622.25,"end":622.49005,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1572553664445877},{"word":"expect","start":622.49005,"end":622.73004,"confidence":0.9941406,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.199981689453125},{"word":"you","start":622.73004,"end":622.89,"confidence":0.8569336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10671228915452956},{"word":"to","start":622.89,"end":622.97003,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1749482303857803},{"word":"get","start":622.97003,"end":623.21,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.13793526589870453},{"word":"that","start":623.21,"end":623.37006,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04953693598508835},{"word":"percent","start":623.37006,"end":623.77,"confidence":0.99121094,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.04698152840137482},{"word":"every","start":623.77,"end":624.01,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.1134333834052086},{"word":"year","start":624.01,"end":624.25,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.10601147264242172},{"word":"because","start":624.25,"end":624.57,"confidence":0.9291992,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.16823390126228333},{"word":"markets","start":624.57,"end":625.05005,"confidence":0.9892578,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.22866694629192352},{"word":"do","start":625.05005,"end":625.21,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11867837607860564},{"word":"go","start":625.21,"end":625.37006,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.13198649883270264},{"word":"up","start":625.37006,"end":625.53,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.18943312764167783},{"word":"and","start":625.53,"end":626.03,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18819975852966309},{"word":"down","start":626.49005,"end":626.57,"confidence":0.8840332,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.15624654293060303},{"word":"but","start":626.57,"end":626.81006,"confidence":0.9123535,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.006903700530529022},{"word":"essentially","start":626.81006,"end":627.21,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.05232184752821922},{"word":"what","start":627.21,"end":627.37006,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13373230397701263},{"word":"we","start":627.37006,"end":627.53,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16793420910835266},{"word":"are","start":627.53,"end":627.69,"confidence":0.9604492,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10545913875102995},{"word":"sort","start":627.69,"end":627.93005,"confidence":0.9770508,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10191671550273897},{"word":"of","start":627.93005,"end":628.09,"confidence":0.9350586,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09933382272720336},{"word":"looking","start":628.09,"end":628.33,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.046285808086395264},{"word":"for","start":628.33,"end":628.57,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06284479796886444},{"word":"between","start":628.57,"end":628.97003,"confidence":0.9248047,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.06494531035423279},{"word":"the","start":628.97003,"end":629.13,"confidence":0.94628906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1079683154821396},{"word":"balanced","start":629.13,"end":629.53,"confidence":0.7631836,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.0728389173746109},{"word":"growth","start":629.53,"end":629.93005,"confidence":0.9951172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.108323335647583},{"word":"environment","start":629.93005,"end":630.43005,"confidence":0.9946289,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.1477758139371872},{"word":"we","start":630.73004,"end":630.89,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2561265528202057},{"word":"are","start":630.89,"end":631.05005,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1976751834154129},{"word":"sort","start":631.05005,"end":631.21,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.19165465235710144},{"word":"of","start":631.21,"end":631.37006,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16701683402061462},{"word":"wanting","start":631.37006,"end":631.69,"confidence":0.97802734,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.17915256321430206},{"word":"around","start":631.69,"end":632.01,"confidence":0.9863281,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.15142518281936646},{"word":"about","start":632.01,"end":632.17004,"confidence":0.97802734,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14185379445552826},{"word":"six","start":632.17004,"end":632.475,"confidence":0.93408203,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.20667555928230288},{"word":"to","start":632.475,"end":632.71497,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09116098284721376},{"word":"8%","start":632.71497,"end":633.035,"confidence":1.0,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.18708455562591553},{"word":"on","start":633.035,"end":633.19495,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20661050081253052},{"word":"a","start":633.19495,"end":633.435,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15984170138835907},{"word":"yearly","start":633.435,"end":633.755,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.16962788999080658},{"word":"basis","start":633.755,"end":634.15497,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.17938634753227234},{"word":"and","start":634.15497,"end":634.39496,"confidence":0.90625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15315893292427063},{"word":"having","start":634.39496,"end":634.71497,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.18258018791675568},{"word":"that","start":634.71497,"end":635.035,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19187650084495544},{"word":"compounded","start":635.035,"end":635.51495,"confidence":0.9951172,"punctuated_word":"compounded","sentiment":"neutral","sentiment_score":0.20465151965618136},{"word":"forward","start":635.51495,"end":635.995,"confidence":0.8786621,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.12105076014995576},{"word":"so","start":635.995,"end":636.475,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2956332266330719},{"word":"if","start":636.475,"end":636.555,"confidence":0.9970703,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3968234658241272},{"word":"you","start":636.555,"end":636.71497,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42299073934555054},{"word":"can","start":636.71497,"end":636.795,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31710535287857056},{"word":"get","start":636.795,"end":636.95496,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.34616684913635254},{"word":"in","start":636.95496,"end":637.115,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.30264005064964294},{"word":"between","start":637.115,"end":637.51495,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.27927443385124207},{"word":"that","start":637.51495,"end":637.675,"confidence":0.95947266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3290763199329376},{"word":"sort","start":637.675,"end":637.83496,"confidence":0.85839844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2816174030303955},{"word":"of","start":637.83496,"end":637.995,"confidence":0.9291992,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2577129304409027},{"word":"six","start":637.995,"end":638.39496,"confidence":0.99316406,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.22807198762893677},{"word":"to","start":638.39496,"end":638.555,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.147085040807724},{"word":"8%","start":638.555,"end":639.19495,"confidence":0.99902344,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.23872147500514984},{"word":"every","start":639.19495,"end":639.435,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.2848650813102722},{"word":"year","start":639.435,"end":639.935,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.27029576897621155},{"word":"and","start":640.39496,"end":640.63495,"confidence":0.54052734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24523036181926727},{"word":"compounding","start":640.63495,"end":641.115,"confidence":0.99658203,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.40957266092300415},{"word":"that","start":641.115,"end":641.355,"confidence":0.9863281,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39981454610824585},{"word":"over","start":641.355,"end":641.675,"confidence":0.9375,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.45334571599960327},{"word":"time","start":641.675,"end":641.915,"confidence":0.9916992,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.4931438267230987},{"word":"that","start":641.915,"end":642.15497,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5710808634757996},{"word":"provides","start":642.15497,"end":642.555,"confidence":0.9980469,"punctuated_word":"provides","sentiment":"positive","sentiment_score":0.5377545356750488},{"word":"you","start":642.555,"end":642.71497,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6178690791130066},{"word":"with","start":642.71497,"end":642.875,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5721709728240967},{"word":"a","start":642.875,"end":643.035,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5046467781066895},{"word":"really","start":643.035,"end":643.27496,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6719352602958679},{"word":"good","start":643.27496,"end":643.51495,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6745098233222961},{"word":"rate","start":643.51495,"end":643.755,"confidence":0.9980469,"punctuated_word":"rate","sentiment":"positive","sentiment_score":0.7366418838500977},{"word":"of","start":643.755,"end":643.915,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5489559173583984},{"word":"return","start":643.915,"end":644.39496,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.6048567891120911},{"word":"and","start":644.39496,"end":644.555,"confidence":0.99121094,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.47732675075531006},{"word":"a","start":644.555,"end":644.71497,"confidence":0.96875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.514702320098877},{"word":"good","start":644.71497,"end":644.95496,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5495845079421997},{"word":"amount","start":644.95496,"end":645.27496,"confidence":0.99609375,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.5611159205436707},{"word":"of","start":645.27496,"end":645.51495,"confidence":0.8911133,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.45533713698387146},{"word":"growth","start":645.51495,"end":646.01495,"confidence":0.98999023,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.4052177369594574},{"word":"however","start":646.58997,"end":646.99,"confidence":0.99853516,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.1251954436302185},{"word":"in","start":646.99,"end":647.14996,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.29151731729507446},{"word":"that","start":647.14996,"end":647.31,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2245827615261078},{"word":"balanced","start":647.31,"end":647.70996,"confidence":0.6123047,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":-0.11719641834497452},{"word":"growth","start":647.70996,"end":648.02997,"confidence":0.9863281,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.0958101600408554},{"word":"environment","start":648.02997,"end":648.52997,"confidence":0.99853516,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":-0.17175330221652985},{"word":"we","start":648.67,"end":648.75,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.27822232246398926},{"word":"do","start":648.75,"end":648.99,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2757350504398346},{"word":"expect","start":648.99,"end":649.31,"confidence":1.0,"punctuated_word":"expect","sentiment":"negative","sentiment_score":-0.33371269702911377},{"word":"a","start":649.31,"end":649.47,"confidence":0.8730469,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.37978267669677734},{"word":"negative","start":649.47,"end":649.95,"confidence":1.0,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.5744926333427429},{"word":"year","start":649.95,"end":650.19,"confidence":0.98828125,"punctuated_word":"year","sentiment":"negative","sentiment_score":-0.6492116451263428},{"word":"to","start":650.19,"end":650.26996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5645266175270081},{"word":"be","start":650.26996,"end":650.51,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5377901792526245},{"word":"likely","start":650.51,"end":650.91,"confidence":0.97265625,"punctuated_word":"likely","sentiment":"negative","sentiment_score":-0.5827924609184265},{"word":"around","start":650.91,"end":651.14996,"confidence":0.90625,"punctuated_word":"around","sentiment":"negative","sentiment_score":-0.4689337909221649},{"word":"about","start":651.14996,"end":651.39,"confidence":0.7211914,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.514089047908783},{"word":"whenever","start":651.39,"end":651.79,"confidence":0.6870117,"punctuated_word":"whenever","sentiment":"negative","sentiment_score":-0.38857483863830566},{"word":"every","start":651.87,"end":652.19,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.2700978219509125},{"word":"six","start":652.19,"end":652.43,"confidence":0.99316406,"punctuated_word":"six","sentiment":"negative","sentiment_score":-0.3615415394306183},{"word":"years","start":652.43,"end":652.67,"confidence":0.99902344,"punctuated_word":"years","sentiment":"negative","sentiment_score":-0.36135581135749817},{"word":"or","start":652.67,"end":652.82996,"confidence":0.9614258,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.43559730052948},{"word":"so","start":652.82996,"end":653.07,"confidence":0.9460449,"punctuated_word":"so.","sentiment":"negative","sentiment_score":-0.47210460901260376},{"word":"so","start":653.07,"end":653.31,"confidence":1.0,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.3623754680156708},{"word":"there","start":653.31,"end":653.47,"confidence":0.9951172,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.4174569249153137},{"word":"will","start":653.47,"end":653.70996,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2746793329715729},{"word":"be","start":653.70996,"end":653.95,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2632889449596405},{"word":"a","start":653.95,"end":654.02997,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3054942786693573},{"word":"time","start":654.02997,"end":654.26996,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.29591214656829834},{"word":"when","start":654.26996,"end":654.51,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.2150606065988541},{"word":"maybe","start":654.51,"end":654.82996,"confidence":0.7246094,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.2713789641857147},{"word":"the","start":654.82996,"end":654.91,"confidence":0.9921875,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3377158045768738},{"word":"investment","start":654.91,"end":655.39,"confidence":1.0,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.455451637506485},{"word":"doesn't","start":655.39,"end":655.70996,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.33306634426116943},{"word":"perform","start":655.70996,"end":656.19,"confidence":1.0,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.30592653155326843},{"word":"as","start":656.19,"end":656.35,"confidence":0.99902344,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3546416461467743},{"word":"well","start":656.35,"end":656.75,"confidence":1.0,"punctuated_word":"well","sentiment":"negative","sentiment_score":-0.36970043182373047},{"word":"or","start":656.75,"end":657.25,"confidence":0.7631836,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.26572921872138977},{"word":"there","start":657.39,"end":657.63,"confidence":0.70947266,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.2358260452747345},{"word":"there","start":657.63,"end":657.87,"confidence":0.85253906,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.18572255969047544},{"word":"there","start":657.87,"end":657.95,"confidence":0.55810547,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.2375032752752304},{"word":"is","start":657.95,"end":658.11,"confidence":0.96240234,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.26291531324386597},{"word":"a","start":658.11,"end":658.19,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2892879545688629},{"word":"negative","start":658.19,"end":658.58997,"confidence":1.0,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.4385404586791992},{"word":"return","start":658.58997,"end":659.08997,"confidence":1.0,"punctuated_word":"return","sentiment":"negative","sentiment_score":-0.4815634489059448},{"word":"or","start":659.23,"end":659.39,"confidence":0.9013672,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.38356196880340576},{"word":"the","start":659.39,"end":659.55,"confidence":0.99316406,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.39940327405929565},{"word":"returns","start":659.55,"end":660.02997,"confidence":0.9892578,"punctuated_word":"returns","sentiment":"negative","sentiment_score":-0.4557633101940155},{"word":"are","start":660.02997,"end":660.19,"confidence":0.9838867,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.32650062441825867},{"word":"a","start":660.19,"end":660.26996,"confidence":0.99316406,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.375124990940094},{"word":"bit","start":660.26996,"end":660.43,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3477665185928345},{"word":"lower","start":660.43,"end":660.67,"confidence":0.9980469,"punctuated_word":"lower","sentiment":"negative","sentiment_score":-0.4762305021286011},{"word":"than","start":660.67,"end":661.035,"confidence":0.9863281,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.376530796289444},{"word":"expected","start":661.115,"end":661.355,"confidence":0.8991699,"punctuated_word":"expected,","sentiment":"negative","sentiment_score":-0.3663226366043091},{"word":"and","start":661.355,"end":661.51495,"confidence":0.9980469,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.34759971499443054},{"word":"that's","start":661.51495,"end":661.675,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4012407064437866},{"word":"just","start":661.675,"end":661.995,"confidence":0.9980469,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3463703691959381},{"word":"due","start":661.995,"end":662.15497,"confidence":0.99902344,"punctuated_word":"due","sentiment":"negative","sentiment_score":-0.3938801288604736},{"word":"to","start":662.15497,"end":662.315,"confidence":0.9970703,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4354585111141205},{"word":"normal","start":662.315,"end":662.71497,"confidence":0.99902344,"punctuated_word":"normal","sentiment":"negative","sentiment_score":-0.4876137971878052},{"word":"market","start":662.71497,"end":663.035,"confidence":1.0,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.4887667298316955},{"word":"volatility","start":663.035,"end":663.535,"confidence":0.9675293,"punctuated_word":"volatility.","sentiment":"negative","sentiment_score":-0.4300376772880554},{"word":"but","start":664.39496,"end":664.63495,"confidence":0.53564453,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.20627403259277344},{"word":"we","start":664.63495,"end":664.795,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16912841796875},{"word":"will","start":664.795,"end":665.035,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.11582932621240616},{"word":"kinda","start":665.035,"end":665.355,"confidence":0.98095703,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.12627001106739044},{"word":"go","start":665.355,"end":665.595,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.12751895189285278},{"word":"through","start":665.595,"end":665.83496,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.1486591398715973},{"word":"things","start":665.83496,"end":666.15497,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.09998902678489684},{"word":"with","start":666.15497,"end":666.315,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04726298153400421},{"word":"you","start":666.315,"end":666.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027354910969734192},{"word":"each","start":666.875,"end":667.19495,"confidence":0.7324219,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.059591569006443024},{"word":"year","start":667.19495,"end":667.355,"confidence":0.9921875,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.03129098564386368},{"word":"and","start":667.355,"end":667.595,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07245057076215744},{"word":"revisit","start":667.595,"end":668.07495,"confidence":0.99902344,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.039752356708049774},{"word":"the","start":668.07495,"end":668.235,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019561097025871277},{"word":"portfolio","start":668.235,"end":668.735,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.06261992454528809},{"word":"and","start":668.95496,"end":669.19495,"confidence":0.88183594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07562151551246643},{"word":"update","start":669.19495,"end":669.51495,"confidence":0.9941406,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1666644811630249},{"word":"and","start":669.51495,"end":669.675,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07352656871080399},{"word":"make","start":669.675,"end":669.83496,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12876683473587036},{"word":"changes","start":669.83496,"end":670.315,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.11360649764537813},{"word":"when","start":670.315,"end":670.475,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04874258488416672},{"word":"we","start":670.475,"end":670.63495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0020266398787498474},{"word":"need","start":670.63495,"end":670.795,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.032784558832645416},{"word":"to","start":670.795,"end":671.035,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03863690793514252},{"word":"as","start":671.035,"end":671.19495,"confidence":0.91503906,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.027181215584278107},{"word":"well","start":671.19495,"end":671.355,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.010469011962413788},{"word":"if","start":671.355,"end":671.51495,"confidence":0.48120117,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.004649050533771515},{"word":"that","start":671.51495,"end":671.75494,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0778575912117958},{"word":"helps","start":671.75494,"end":672.25494,"confidence":0.99853516,"punctuated_word":"helps.","sentiment":"neutral","sentiment_score":-0.0013798736035823822},{"word":"yeah","start":673.995,"end":674.495,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006793452426791191},{"word":"so","start":677.57,"end":677.81,"confidence":0.49853516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03156176209449768},{"word":"this","start":677.81,"end":678.13,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.08946676552295685},{"word":"portfolio","start":678.13,"end":678.63,"confidence":0.98657227,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.10595573484897614},{"word":"the","start":679.01,"end":679.17,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1208139955997467},{"word":"last","start":679.17,"end":679.65,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.11897632479667664},{"word":"time","start":679.65,"end":679.97003,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.11265857517719267},{"word":"i","start":680.21,"end":680.29004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1040239930152893},{"word":"mean","start":680.29004,"end":680.61,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.07731577008962631},{"word":"we've","start":680.61,"end":680.85004,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.13009785115718842},{"word":"had","start":680.85004,"end":681.17,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.11596716195344924},{"word":"a","start":681.17,"end":681.33,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13268499076366425},{"word":"few","start":681.33,"end":681.57,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.15376339852809906},{"word":"downs","start":681.57,"end":681.97003,"confidence":0.9716797,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.1977471262216568},{"word":"this","start":681.97003,"end":682.29004,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2294773906469345},{"word":"year","start":682.29004,"end":682.53,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.20214954018592832},{"word":"as","start":682.53,"end":682.69,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.19192728400230408},{"word":"well","start":682.69,"end":683.19,"confidence":0.9433594,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.18416166305541992},{"word":"so","start":683.41003,"end":683.73,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1778196394443512},{"word":"the","start":683.73,"end":683.97003,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17131634056568146},{"word":"market","start":683.97003,"end":684.45,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.11258935183286668},{"word":"around","start":684.45,"end":684.77,"confidence":0.9316406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.17299892008304596},{"word":"about","start":684.77,"end":685.09,"confidence":0.9716797,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.19198711216449735},{"word":"sort","start":685.09,"end":685.33,"confidence":0.9135742,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1405448317527771},{"word":"of","start":685.33,"end":685.65,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15859074890613556},{"word":"a","start":685.65,"end":685.97003,"confidence":0.51904297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14418981969356537},{"word":"march","start":686.21,"end":686.45,"confidence":0.9838867,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.10700759291648863},{"word":"to","start":686.45,"end":686.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12944447994232178},{"word":"april","start":686.61,"end":686.93,"confidence":0.9909668,"punctuated_word":"April,","sentiment":"neutral","sentiment_score":-0.097179114818573},{"word":"we","start":686.93,"end":687.17,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08370641618967056},{"word":"saw","start":687.17,"end":687.49,"confidence":1.0,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.1073199138045311},{"word":"between","start":687.49,"end":687.81,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.17880664765834808},{"word":"a","start":687.81,"end":687.97003,"confidence":0.9243164,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13507086038589478},{"word":"two","start":687.97003,"end":688.13,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.14983204007148743},{"word":"to","start":688.13,"end":688.29004,"confidence":0.9267578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14960037171840668},{"word":"3%","start":688.29004,"end":688.85004,"confidence":1.0,"punctuated_word":"3%","sentiment":"neutral","sentiment_score":-0.11641174554824828},{"word":"dip","start":688.85004,"end":689.01,"confidence":0.9770508,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.1244879961013794},{"word":"in","start":689.01,"end":689.17,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16129401326179504},{"word":"the","start":689.17,"end":689.33,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1491648405790329},{"word":"market","start":689.33,"end":689.65,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.09739930927753448},{"word":"with","start":689.65,"end":689.81,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12883999943733215},{"word":"what","start":689.81,"end":689.97003,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14375010132789612},{"word":"was","start":689.97003,"end":690.21,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.16087312996387482},{"word":"happening","start":690.21,"end":690.71,"confidence":0.8708496,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":-0.12159200012683868},{"word":"but","start":691.28503,"end":691.445,"confidence":0.984375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07922285795211792},{"word":"since","start":691.445,"end":691.765,"confidence":0.99609375,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.14291192591190338},{"word":"then","start":691.765,"end":692.085,"confidence":0.98461914,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.15162450075149536},{"word":"the","start":692.085,"end":692.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24876058101654053},{"word":"market","start":692.245,"end":692.645,"confidence":1.0,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.35682442784309387},{"word":"has","start":692.645,"end":692.885,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.20817476511001587},{"word":"come","start":692.885,"end":693.125,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.32485097646713257},{"word":"out","start":693.125,"end":693.365,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.33147966861724854},{"word":"and","start":693.365,"end":693.525,"confidence":0.9838867,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34949854016304016},{"word":"actually","start":693.525,"end":693.84503,"confidence":0.97509766,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.3589968681335449},{"word":"showing","start":693.84503,"end":694.16504,"confidence":0.96777344,"punctuated_word":"showing","sentiment":"positive","sentiment_score":0.3894315361976623},{"word":"really","start":694.16504,"end":694.405,"confidence":0.99609375,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3619986474514008},{"word":"good","start":694.405,"end":694.645,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.45506206154823303},{"word":"growth","start":694.645,"end":695.125,"confidence":0.9169922,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.4808259308338166},{"word":"and","start":695.125,"end":695.28503,"confidence":0.9267578,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3661455512046814},{"word":"we","start":695.28503,"end":695.445,"confidence":0.99121094,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.48240017890930176},{"word":"are","start":695.445,"end":695.685,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.45888999104499817},{"word":"still","start":695.685,"end":695.925,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4732083976268768},{"word":"seeing","start":695.925,"end":696.16504,"confidence":0.99902344,"punctuated_word":"seeing","sentiment":"positive","sentiment_score":0.551436722278595},{"word":"positive","start":696.16504,"end":696.66504,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.6034055352210999},{"word":"returns","start":696.72504,"end":697.125,"confidence":0.99902344,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.4809811413288117},{"word":"from","start":697.125,"end":697.28503,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.42106175422668457},{"word":"that","start":697.28503,"end":697.78503,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2629215121269226},{"word":"other","start":698.325,"end":698.565,"confidence":0.9707031,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":-0.048600487411022186},{"word":"than","start":698.565,"end":698.805,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.12698721885681152},{"word":"that","start":698.805,"end":699.305,"confidence":0.9909668,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.12166601419448853},{"word":"'22","start":699.365,"end":699.925,"confidence":0.77075195,"punctuated_word":"'22","sentiment":"neutral","sentiment_score":-0.12580958008766174},{"word":"and","start":699.925,"end":700.16504,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1847383677959442},{"word":"'23","start":700.16504,"end":700.72504,"confidence":0.9935303,"punctuated_word":"'23,","sentiment":"neutral","sentiment_score":-0.10779017210006714},{"word":"we","start":700.72504,"end":700.965,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12032312154769896},{"word":"saw","start":700.965,"end":701.205,"confidence":0.9375,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.12856906652450562},{"word":"quite","start":701.205,"end":701.365,"confidence":0.9941406,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.21282893419265747},{"word":"a","start":701.365,"end":701.525,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18775352835655212},{"word":"bit","start":701.525,"end":701.685,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17122763395309448},{"word":"of","start":701.685,"end":701.765,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21271874010562897},{"word":"up","start":701.765,"end":702.005,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.28296372294425964},{"word":"and","start":702.005,"end":702.16504,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3054453730583191},{"word":"down","start":702.16504,"end":702.485,"confidence":0.94555664,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.2472115457057953},{"word":"and","start":702.485,"end":702.645,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16465584933757782},{"word":"then","start":702.645,"end":702.885,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.14826978743076324},{"word":"late","start":702.885,"end":703.125,"confidence":0.91259766,"punctuated_word":"late","sentiment":"neutral","sentiment_score":-0.19982707500457764},{"word":"last","start":703.125,"end":703.365,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.1630900502204895},{"word":"year","start":703.365,"end":703.525,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.16929538547992706},{"word":"in","start":703.525,"end":703.685,"confidence":0.72216797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1694105565547943},{"word":"2025","start":703.685,"end":704.485,"confidence":0.9995117,"punctuated_word":"2025,","sentiment":"neutral","sentiment_score":-0.150007426738739},{"word":"we","start":704.485,"end":704.645,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12009291350841522},{"word":"also","start":704.645,"end":704.965,"confidence":0.9863281,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.17069797217845917},{"word":"had","start":704.965,"end":705.21,"confidence":0.80908203,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1687624305486679},{"word":"pretty","start":705.21,"end":705.53,"confidence":0.89746094,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.25830185413360596},{"word":"heavy","start":705.53,"end":705.69,"confidence":0.99902344,"punctuated_word":"heavy","sentiment":"neutral","sentiment_score":-0.2632194757461548},{"word":"dip","start":705.69,"end":706.01,"confidence":0.93847656,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.258407860994339},{"word":"with","start":706.01,"end":706.33,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3103693127632141},{"word":"the","start":706.33,"end":706.41003,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.29407036304473877},{"word":"tariffs","start":706.41003,"end":706.89,"confidence":0.9526367,"punctuated_word":"tariffs","sentiment":"neutral","sentiment_score":-0.2870238423347473},{"word":"that","start":706.89,"end":706.97003,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.25794538855552673},{"word":"was","start":706.97003,"end":707.21,"confidence":0.9921875,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2541070282459259},{"word":"going","start":707.21,"end":707.45,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.29325342178344727},{"word":"into","start":707.45,"end":707.77,"confidence":0.9873047,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.26171940565109253},{"word":"place","start":707.77,"end":708.01,"confidence":0.9824219,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":-0.2038566619157791},{"word":"so","start":708.01,"end":708.51,"confidence":0.92456055,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.1436520516872406},{"word":"realistically","start":708.57,"end":709.07,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.18995285034179688},{"word":"overall","start":709.61005,"end":710.11005,"confidence":0.99658203,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":-0.15223988890647888},{"word":"these","start":710.97003,"end":711.29004,"confidence":0.546875,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.22658148407936096},{"word":"portfolios","start":711.29004,"end":711.79004,"confidence":0.9980469,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":-0.22635197639465332},{"word":"haven't","start":712.17004,"end":712.65,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.1364712417125702},{"word":"really","start":712.65,"end":712.97003,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1344696581363678},{"word":"had","start":712.97003,"end":713.47003,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.13022232055664062},{"word":"just","start":713.93,"end":714.17004,"confidence":0.53466797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.19729211926460263},{"word":"thinking","start":714.17004,"end":714.65,"confidence":0.93603516,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.1970139443874359},{"word":"the","start":714.65,"end":714.81,"confidence":0.8989258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23506739735603333},{"word":"last","start":714.81,"end":715.31,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.2790302038192749},{"word":"proper","start":715.69,"end":716.19,"confidence":1.0,"punctuated_word":"proper","sentiment":"neutral","sentiment_score":-0.3325556218624115},{"word":"negative","start":716.25,"end":716.75,"confidence":0.9658203,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.4242155849933624},{"word":"year","start":716.81,"end":717.13,"confidence":0.99316406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.3305998146533966},{"word":"was","start":717.13,"end":717.37,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.3130055069923401},{"word":"at","start":717.37,"end":717.45,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3143838047981262},{"word":"least","start":717.45,"end":717.77,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.3126462399959564},{"word":"about","start":717.77,"end":718.09,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2607090473175049},{"word":"three","start":718.09,"end":718.33,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.2504565715789795},{"word":"years","start":718.33,"end":718.57,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.19225652515888217},{"word":"ago","start":718.57,"end":719.07,"confidence":0.9980469,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.0999387428164482},{"word":"since","start":719.685,"end":719.925,"confidence":0.9667969,"punctuated_word":"Since","sentiment":"neutral","sentiment_score":0.2649242877960205},{"word":"then","start":719.925,"end":720.325,"confidence":0.9567871,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.2708398699760437},{"word":"every","start":720.325,"end":720.565,"confidence":1.0,"punctuated_word":"every","sentiment":"positive","sentiment_score":0.3699598014354706},{"word":"year","start":720.565,"end":720.805,"confidence":0.8925781,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.4230247735977173},{"word":"we","start":720.805,"end":720.965,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4991890788078308},{"word":"have","start":720.965,"end":721.205,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5841541886329651},{"word":"sort","start":721.205,"end":721.445,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.5258967280387878},{"word":"of","start":721.445,"end":721.84503,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6283982992172241},{"word":"generated","start":721.84503,"end":722.34503,"confidence":1.0,"punctuated_word":"generated","sentiment":"positive","sentiment_score":0.6205074787139893},{"word":"positive","start":722.72504,"end":723.205,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.692071795463562},{"word":"returns","start":723.205,"end":723.705,"confidence":0.99902344,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.5546020865440369},{"word":"overall","start":723.84503,"end":724.34503,"confidence":0.9001465,"punctuated_word":"overall,","sentiment":"positive","sentiment_score":0.5528610944747925},{"word":"although","start":724.48505,"end":724.805,"confidence":1.0,"punctuated_word":"although","sentiment":"neutral","sentiment_score":0.2868085503578186},{"word":"the","start":724.805,"end":724.965,"confidence":0.96533203,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.47230905294418335},{"word":"positive","start":724.965,"end":725.365,"confidence":0.99902344,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.4862429797649383},{"word":"returns","start":725.365,"end":725.765,"confidence":0.9951172,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.2571520209312439},{"word":"may","start":725.765,"end":726.005,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.01895236968994141},{"word":"have","start":726.005,"end":726.16504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15279477834701538},{"word":"been","start":726.16504,"end":726.405,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.19113823771476743},{"word":"a","start":726.405,"end":726.48505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15506726503372192},{"word":"little","start":726.48505,"end":726.645,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06797167658805847},{"word":"bit","start":726.645,"end":726.805,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.18853431940078735},{"word":"lower","start":726.805,"end":727.04504,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.17261256277561188},{"word":"than","start":727.04504,"end":727.28503,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.05512025952339173},{"word":"expected","start":727.28503,"end":727.765,"confidence":0.9980469,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.028439313173294067},{"word":"with","start":727.765,"end":727.925,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.20617415010929108},{"word":"the","start":727.925,"end":728.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05225612223148346},{"word":"amount","start":728.085,"end":728.325,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.14266079664230347},{"word":"of","start":728.325,"end":728.48505,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08575034141540527},{"word":"volatility","start":728.48505,"end":728.98505,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.14923782646656036},{"word":"in","start":729.04504,"end":729.125,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1836258769035339},{"word":"the","start":729.125,"end":729.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07281012833118439},{"word":"market","start":729.365,"end":729.84503,"confidence":0.99609375,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.1641388237476349},{"word":"so","start":729.84503,"end":730.34503,"confidence":0.91015625,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2440483719110489},{"word":"realistically","start":730.405,"end":730.905,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.3001396656036377},{"word":"if","start":731.125,"end":731.205,"confidence":0.7939453,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.47034138441085815},{"word":"this","start":731.205,"end":731.445,"confidence":0.9863281,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.48342806100845337},{"word":"sort","start":731.445,"end":731.60504,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3765605092048645},{"word":"of","start":731.60504,"end":731.765,"confidence":0.9873047,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.49507808685302734},{"word":"portfolio","start":731.765,"end":732.265,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.32558581233024597},{"word":"can","start":732.79,"end":733.03,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4471455514431},{"word":"generate","start":733.03,"end":733.43,"confidence":1.0,"punctuated_word":"generate","sentiment":"positive","sentiment_score":0.5120376348495483},{"word":"you","start":733.59,"end":733.75,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4695212244987488},{"word":"know","start":733.75,"end":734.15,"confidence":0.9433594,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4220349490642547},{"word":"can","start":734.15,"end":734.39,"confidence":0.99609375,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.49502649903297424},{"word":"show","start":734.39,"end":734.71,"confidence":0.9970703,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.5215677618980408},{"word":"by","start":734.71,"end":735.03,"confidence":0.9375,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.5346648693084717},{"word":"research","start":735.03,"end":735.51,"confidence":0.7871094,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.5403420925140381},{"word":"as","start":735.51,"end":735.83,"confidence":0.3984375,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.48746457695961},{"word":"average","start":735.83,"end":736.31,"confidence":0.9448242,"punctuated_word":"average","sentiment":"positive","sentiment_score":0.4874057471752167},{"word":"16.55%","start":736.31,"end":737.99,"confidence":0.9923828,"punctuated_word":"16.55%","sentiment":"positive","sentiment_score":0.5322632789611816},{"word":"over","start":737.99,"end":738.23,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5713886022567749},{"word":"the","start":738.23,"end":738.39,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.532715380191803},{"word":"past","start":738.39,"end":738.71,"confidence":1.0,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.4591793119907379},{"word":"five","start":738.71,"end":738.95,"confidence":0.99902344,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.4095514416694641},{"word":"years","start":738.95,"end":739.35,"confidence":0.81689453,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.4488517940044403},{"word":"even","start":739.35,"end":739.59,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.2455223053693771},{"word":"with","start":739.59,"end":739.83,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20076246559619904},{"word":"the","start":739.83,"end":739.91003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23313580453395844},{"word":"amount","start":739.91003,"end":740.15,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.041499510407447815},{"word":"of","start":740.15,"end":740.39,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1600436568260193},{"word":"volatility","start":740.39,"end":740.89,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.06537923216819763},{"word":"that","start":741.03,"end":741.19,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1675243377685547},{"word":"we","start":741.19,"end":741.35,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24983343482017517},{"word":"have","start":741.35,"end":741.59,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18698278069496155},{"word":"gone","start":741.59,"end":741.91003,"confidence":0.9970703,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.23740488290786743},{"word":"through","start":741.91003,"end":742.07,"confidence":0.98535156,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18727855384349823},{"word":"and","start":742.07,"end":742.31,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2417818009853363},{"word":"seen","start":742.31,"end":742.63,"confidence":0.9482422,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.2575131952762604},{"word":"in","start":742.63,"end":742.79,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20636963844299316},{"word":"the","start":742.79,"end":742.95,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36173489689826965},{"word":"past","start":742.95,"end":743.27,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.27627575397491455},{"word":"five","start":743.27,"end":743.51,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.22668811678886416},{"word":"years","start":743.51,"end":744.01,"confidence":0.9880371,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.279849648475647},{"word":"then","start":744.15,"end":744.31,"confidence":0.9941406,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3673555850982666},{"word":"it","start":744.31,"end":744.47003,"confidence":0.9941406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4115318655967712},{"word":"sort","start":744.47003,"end":744.63,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2510665953159332},{"word":"of","start":744.63,"end":744.87,"confidence":0.7709961,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.37691500782966614},{"word":"shows","start":744.87,"end":745.11,"confidence":0.9941406,"punctuated_word":"shows","sentiment":"positive","sentiment_score":0.3446338474750519},{"word":"you","start":745.11,"end":745.27,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5834981799125671},{"word":"that","start":745.27,"end":745.43,"confidence":0.98535156,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.44510579109191895},{"word":"this","start":745.43,"end":745.67,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.471798300743103},{"word":"portfolio","start":745.67,"end":746.17,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.281863272190094},{"word":"has","start":746.31,"end":746.81,"confidence":0.99902344,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4800773859024048},{"word":"withstood","start":747.785,"end":748.265,"confidence":0.982666,"punctuated_word":"withstood","sentiment":"positive","sentiment_score":0.37394091486930847},{"word":"those","start":748.265,"end":748.505,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.23204421997070312},{"word":"ups","start":748.505,"end":748.745,"confidence":0.9970703,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.10575252026319504},{"word":"and","start":748.745,"end":748.90497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22716760635375977},{"word":"downs","start":748.90497,"end":749.225,"confidence":0.87719727,"punctuated_word":"downs,","sentiment":"neutral","sentiment_score":0.22312158346176147},{"word":"and","start":749.225,"end":749.46497,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4681691825389862},{"word":"it","start":749.46497,"end":749.625,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5764095783233643},{"word":"can","start":749.625,"end":750.02496,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.47094905376434326},{"word":"generate","start":750.02496,"end":750.52496,"confidence":0.99902344,"punctuated_word":"generate","sentiment":"positive","sentiment_score":0.4996103346347809},{"word":"those","start":750.58496,"end":750.825,"confidence":0.99902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4182854592800141},{"word":"kinds","start":750.825,"end":751.065,"confidence":0.9790039,"punctuated_word":"kinds","sentiment":"neutral","sentiment_score":0.31957578659057617},{"word":"of","start":751.065,"end":751.225,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4928766191005707},{"word":"returns","start":751.225,"end":751.725,"confidence":0.9980469,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.4602133631706238},{"word":"moving","start":751.785,"end":752.105,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.5095610618591309},{"word":"forward","start":752.105,"end":752.58496,"confidence":1.0,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.5475597381591797},{"word":"if","start":752.58496,"end":752.825,"confidence":0.87060547,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4630875885486603},{"word":"given","start":752.825,"end":753.14496,"confidence":0.96533203,"punctuated_word":"given","sentiment":"positive","sentiment_score":0.42871618270874023},{"word":"the","start":753.14496,"end":753.305,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40441781282424927},{"word":"same","start":753.305,"end":753.625,"confidence":0.9970703,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.33911192417144775},{"word":"market","start":753.625,"end":754.02496,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.2418515980243683},{"word":"conditions","start":754.02496,"end":754.505,"confidence":0.99902344,"punctuated_word":"conditions","sentiment":"neutral","sentiment_score":0.2867302894592285},{"word":"in","start":754.505,"end":754.665,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25713807344436646},{"word":"the","start":754.665,"end":754.825,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2859655022621155},{"word":"past","start":754.825,"end":755.325,"confidence":0.9975586,"punctuated_word":"past.","sentiment":"neutral","sentiment_score":0.23170578479766848},{"word":"realistically","start":756.02496,"end":756.52496,"confidence":0.960612,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.13010843098163605},{"word":"i","start":756.745,"end":756.825,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16397994756698608},{"word":"just","start":756.825,"end":756.985,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1478929966688156},{"word":"wanna","start":756.985,"end":757.305,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.18948715925216675},{"word":"make","start":757.305,"end":757.46497,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1423332393169403},{"word":"sure","start":757.46497,"end":757.625,"confidence":0.9951172,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1195375844836235},{"word":"you","start":757.625,"end":757.785,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26223060488700867},{"word":"are","start":757.785,"end":757.945,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24329087138175964},{"word":"getting","start":757.945,"end":758.265,"confidence":0.9970703,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.24417084455490112},{"word":"at","start":758.265,"end":758.345,"confidence":0.95947266,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16600725054740906},{"word":"least","start":758.345,"end":758.665,"confidence":0.9921875,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.13764578104019165},{"word":"that","start":758.665,"end":759.0,"confidence":0.6142578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2766999304294586},{"word":"to","start":759.0,"end":759.24,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21038798987865448},{"word":"8%","start":759.24,"end":759.48,"confidence":0.9995117,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.28556644916534424},{"word":"on","start":759.48,"end":759.72,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17989453673362732},{"word":"a","start":759.72,"end":759.96,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14347413182258606},{"word":"yearly","start":759.96,"end":760.28,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.1405070275068283},{"word":"basis","start":760.28,"end":760.76,"confidence":0.93652344,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.10109251737594604},{"word":"but","start":760.76,"end":761.0,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.024957507848739624},{"word":"it","start":761.0,"end":761.08,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13159124553203583},{"word":"is","start":761.08,"end":761.32,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.156948983669281},{"word":"an","start":761.32,"end":761.48,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.13536489009857178},{"word":"expectation","start":761.48,"end":761.98,"confidence":1.0,"punctuated_word":"expectation","sentiment":"neutral","sentiment_score":-0.1348877251148224},{"word":"that","start":762.12,"end":762.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2300734221935272},{"word":"markets","start":762.28,"end":762.68,"confidence":0.94970703,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.33141282200813293},{"word":"will","start":762.68,"end":762.92,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.11997544765472412},{"word":"go","start":762.92,"end":763.08,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1570328325033188},{"word":"up","start":763.08,"end":763.24,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1614912748336792},{"word":"and","start":763.24,"end":763.4,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22826528549194336},{"word":"will","start":763.4,"end":763.56,"confidence":0.9707031,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2485169023275375},{"word":"go","start":763.56,"end":763.72,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.18285726010799408},{"word":"down","start":763.72,"end":764.22,"confidence":0.99316406,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.08913911134004593},{"word":"and","start":764.52,"end":764.76,"confidence":0.76831055,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.030552461743354797},{"word":"look","start":764.76,"end":765.0,"confidence":0.97021484,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.0739181786775589},{"word":"i","start":765.0,"end":765.16,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08891277760267258},{"word":"can","start":765.16,"end":765.32,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10489597916603088},{"word":"tell","start":765.32,"end":765.48,"confidence":0.9980469,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.13607659935951233},{"word":"you","start":765.48,"end":765.64,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10567616671323776},{"word":"what","start":765.64,"end":765.8,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08290029317140579},{"word":"what","start":765.8,"end":765.92,"confidence":0.40893555,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04423903673887253},{"word":"i","start":765.92,"end":766.04,"confidence":0.7915039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03296945244073868},{"word":"have","start":766.04,"end":766.2,"confidence":0.97265625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03145873546600342},{"word":"seen","start":766.2,"end":766.44,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.03506864607334137},{"word":"in","start":766.44,"end":766.52,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0018599554896354675},{"word":"the","start":766.52,"end":766.6,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0265120193362236},{"word":"past","start":766.6,"end":766.92,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.04826799035072327},{"word":"and","start":766.92,"end":767.08,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.027534551918506622},{"word":"where","start":767.08,"end":767.24,"confidence":0.9199219,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.021207794547080994},{"word":"the","start":767.24,"end":767.4,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05771276354789734},{"word":"volatility","start":767.4,"end":767.9,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.0349101722240448},{"word":"has","start":768.04,"end":768.28,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.08077911287546158},{"word":"kinda","start":768.28,"end":768.6,"confidence":0.9863281,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.07916148006916046},{"word":"hit","start":768.6,"end":768.76,"confidence":0.9790039,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.13803935050964355},{"word":"and","start":768.76,"end":768.92,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03610788285732269},{"word":"what","start":768.92,"end":769.16,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01970924437046051},{"word":"kind","start":769.16,"end":769.32,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0170137882232666},{"word":"of","start":769.32,"end":769.48,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03928476572036743},{"word":"average","start":769.48,"end":769.8,"confidence":0.9970703,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.0027686655521392822},{"word":"returns","start":769.8,"end":770.2,"confidence":0.9819336,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.12091073393821716},{"word":"we've","start":770.2,"end":770.44,"confidence":0.9577637,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.10623261332511902},{"word":"seen","start":770.44,"end":770.94,"confidence":0.8017578,"punctuated_word":"seen,","sentiment":"neutral","sentiment_score":0.1134738177061081},{"word":"but","start":771.285,"end":771.52496,"confidence":0.9892578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08819739520549774},{"word":"it","start":771.52496,"end":771.605,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03581012785434723},{"word":"also","start":771.605,"end":772.005,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.01952590048313141},{"word":"comes","start":772.005,"end":772.325,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.0163424015045166},{"word":"down","start":772.325,"end":772.64496,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.011615760624408722},{"word":"to","start":772.64496,"end":773.125,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021689534187316895},{"word":"what","start":773.125,"end":773.365,"confidence":0.9160156,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.006993189454078674},{"word":"happens","start":773.365,"end":773.76495,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.0024129897356033325},{"word":"with","start":773.76495,"end":774.08496,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.015531137585639954},{"word":"it","start":774.08496,"end":774.165,"confidence":0.97314453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.016164109110832214},{"word":"moving","start":774.165,"end":774.40497,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.024857237935066223},{"word":"forward","start":774.40497,"end":774.725,"confidence":0.9777832,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.02784876525402069},{"word":"so","start":774.725,"end":774.96497,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00022634118795394895},{"word":"just","start":774.96497,"end":775.125,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012338608503341677},{"word":"making","start":775.125,"end":775.445,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.02252101898193359},{"word":"sure","start":775.445,"end":775.685,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.015097111463546751},{"word":"that","start":775.685,"end":775.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024067118763923645},{"word":"we","start":775.925,"end":776.08496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01449604332447052},{"word":"do","start":776.08496,"end":776.325,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03401963412761688},{"word":"put","start":776.325,"end":776.825,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.06563377380371094},{"word":"the","start":777.285,"end":777.685,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05554409325122833},{"word":"sorry","start":778.08496,"end":778.40497,"confidence":0.9172363,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.14555123448371887},{"word":"just","start":778.40497,"end":778.565,"confidence":0.98828125,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.017753243446350098},{"word":"making","start":778.565,"end":778.805,"confidence":0.9970703,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.00594426691532135},{"word":"sure","start":778.805,"end":778.96497,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.023122578859329224},{"word":"that","start":778.96497,"end":779.045,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04991281032562256},{"word":"we","start":779.045,"end":779.20496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05423779785633087},{"word":"do","start":779.20496,"end":779.365,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06153665482997894},{"word":"obviously","start":779.365,"end":779.685,"confidence":0.68115234,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.1316870003938675},{"word":"put","start":779.685,"end":780.005,"confidence":0.98828125,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.10305484384298325},{"word":"the","start":780.005,"end":780.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10963837802410126},{"word":"the","start":781.045,"end":781.365,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06884615123271942},{"word":"the","start":781.365,"end":781.52496,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05377817153930664},{"word":"money","start":781.52496,"end":781.76495,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.08183253556489944},{"word":"in","start":781.76495,"end":782.005,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09228122234344482},{"word":"on","start":782.005,"end":782.165,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11373251676559448},{"word":"a","start":782.165,"end":782.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09289737045764924},{"word":"regular","start":782.245,"end":782.64496,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.1035485714673996},{"word":"basis","start":782.64496,"end":783.045,"confidence":0.79052734,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.0828438401222229},{"word":"the","start":783.045,"end":783.20496,"confidence":0.9135742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051661260426044464},{"word":"dollar","start":783.20496,"end":783.52496,"confidence":0.99902344,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.09748151153326036},{"word":"cost","start":783.52496,"end":783.845,"confidence":0.9970703,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.06566122174263},{"word":"averaging","start":783.845,"end":784.345,"confidence":0.99609375,"punctuated_word":"averaging","sentiment":"neutral","sentiment_score":0.12756654620170593},{"word":"even","start":784.885,"end":785.20496,"confidence":0.52197266,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.08637182414531708},{"word":"through","start":785.20496,"end":785.365,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10230663418769836},{"word":"the","start":785.365,"end":785.52496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08796365559101105},{"word":"down","start":785.52496,"end":785.76495,"confidence":0.4494629,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.10554346442222597},{"word":"times","start":785.76495,"end":786.08496,"confidence":0.87719727,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":-0.04255928844213486},{"word":"when","start":786.08496,"end":786.325,"confidence":0.9970703,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.04572319984436035},{"word":"the","start":786.325,"end":786.485,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09132350981235504},{"word":"market","start":786.485,"end":786.81,"confidence":0.5566406,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.05700157582759857},{"word":"aren't","start":786.97,"end":787.21,"confidence":0.99658203,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.1291123926639557},{"word":"performing","start":787.21,"end":787.61,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.17801427841186523},{"word":"really","start":787.61,"end":787.77,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.17649680376052856},{"word":"well","start":787.77,"end":788.09,"confidence":0.99853516,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.1777094006538391},{"word":"i","start":788.09,"end":788.17,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12978586554527283},{"word":"do","start":788.17,"end":788.41,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.008397772908210754},{"word":"find","start":788.41,"end":788.65,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.07673661410808563},{"word":"a","start":788.65,"end":788.73,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09864666312932968},{"word":"lot","start":788.73,"end":788.89,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.08195772767066956},{"word":"of","start":788.89,"end":788.97,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10343851894140244},{"word":"people","start":788.97,"end":789.29,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.10902120172977448},{"word":"ringing","start":789.29,"end":789.61,"confidence":0.7421875,"punctuated_word":"ringing","sentiment":"neutral","sentiment_score":-0.08319251984357834},{"word":"and","start":789.61,"end":789.69,"confidence":0.72314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11875580996274948},{"word":"go","start":789.69,"end":789.85,"confidence":0.9355469,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":-0.05358505621552467},{"word":"hey","start":789.85,"end":790.01,"confidence":0.9506836,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.12140563130378725},{"word":"i","start":790.01,"end":790.09,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1078786924481392},{"word":"wanna","start":790.09,"end":790.49,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0845707505941391},{"word":"kinda","start":790.49,"end":790.73,"confidence":0.8618164,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.12523986399173737},{"word":"stop","start":790.73,"end":790.97,"confidence":0.99609375,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.14019276201725006},{"word":"those","start":790.97,"end":791.29,"confidence":0.99609375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.18925973773002625},{"word":"contributions","start":791.29,"end":791.79,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.18062467873096463},{"word":"going","start":791.93,"end":792.25,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.0989297702908516},{"word":"in","start":792.25,"end":792.75,"confidence":0.9008789,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.13196945190429688},{"word":"but","start":792.81,"end":793.05,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03625194728374481},{"word":"in","start":793.05,"end":793.21,"confidence":0.94628906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02432512491941452},{"word":"all","start":793.21,"end":793.37,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0105830579996109},{"word":"honesty","start":793.37,"end":793.85,"confidence":0.9916992,"punctuated_word":"honesty,","sentiment":"neutral","sentiment_score":0.06422249972820282},{"word":"that's","start":793.85,"end":794.09,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1076563224196434},{"word":"the","start":794.09,"end":794.25,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09568504989147186},{"word":"best","start":794.25,"end":794.57,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.07880334556102753},{"word":"time","start":794.57,"end":795.07,"confidence":0.9848633,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1100449040532112},{"word":"if","start":795.29,"end":795.45,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.047018423676490784},{"word":"you","start":795.45,"end":795.61,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04277634620666504},{"word":"do","start":795.61,"end":795.85,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.042395442724227905},{"word":"see","start":795.85,"end":796.09,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03581817448139191},{"word":"a","start":796.09,"end":796.17,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009945183992385864},{"word":"bit","start":796.17,"end":796.33,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05449129641056061},{"word":"of","start":796.33,"end":796.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07765668630599976},{"word":"a","start":796.41,"end":796.57,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11052165925502776},{"word":"market","start":796.57,"end":796.89,"confidence":0.9951172,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.16550283133983612},{"word":"dip","start":796.89,"end":797.13,"confidence":0.99072266,"punctuated_word":"dip,","sentiment":"neutral","sentiment_score":-0.11740800738334656},{"word":"we","start":797.13,"end":797.29,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07904043793678284},{"word":"do","start":797.29,"end":797.52997,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04756040871143341},{"word":"have","start":797.52997,"end":797.69,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1098601445555687},{"word":"a","start":797.69,"end":797.77,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12063038349151611},{"word":"bit","start":797.77,"end":797.93,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11096938699483871},{"word":"of","start":797.93,"end":798.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09073828905820848},{"word":"a","start":798.01,"end":798.09,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15582534670829773},{"word":"downtime","start":798.09,"end":798.59,"confidence":0.80737305,"punctuated_word":"downtime.","sentiment":"neutral","sentiment_score":-0.19095346331596377},{"word":"just","start":798.825,"end":799.065,"confidence":0.9135742,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.06963711977005005},{"word":"keep","start":799.065,"end":799.22504,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.030584022402763367},{"word":"that","start":799.22504,"end":799.545,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04734176397323608},{"word":"money","start":799.545,"end":799.945,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.0012551546096801758},{"word":"going","start":799.945,"end":800.265,"confidence":0.9970703,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.103352390229702},{"word":"into","start":800.265,"end":800.66504,"confidence":0.96875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11575211584568024},{"word":"the","start":800.66504,"end":800.745,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07488710433244705},{"word":"portfolio","start":800.745,"end":801.245,"confidence":0.8171387,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.038212575018405914},{"word":"take","start":801.465,"end":801.78503,"confidence":0.99902344,"punctuated_word":"Take","sentiment":"neutral","sentiment_score":0.11987342685461044},{"word":"advantage","start":801.78503,"end":802.265,"confidence":1.0,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":0.1757529377937317},{"word":"of","start":802.265,"end":802.34503,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1434268057346344},{"word":"that","start":802.34503,"end":802.585,"confidence":0.94140625,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.14982496201992035},{"word":"and","start":802.585,"end":802.745,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21980267763137817},{"word":"you'll","start":802.745,"end":802.985,"confidence":0.9975586,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.199751541018486},{"word":"buy","start":802.985,"end":803.22504,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.15689140558242798},{"word":"more","start":803.22504,"end":803.545,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09186754375696182},{"word":"units","start":803.545,"end":803.945,"confidence":0.98828125,"punctuated_word":"units","sentiment":"neutral","sentiment_score":0.13419730961322784},{"word":"to","start":803.945,"end":804.025,"confidence":0.41992188,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16978740692138672},{"word":"those","start":804.025,"end":804.265,"confidence":0.97314453,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08170633763074875},{"word":"investments","start":804.265,"end":804.765,"confidence":0.99658203,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.0637834370136261},{"word":"everyone","start":805.625,"end":805.945,"confidence":0.99316406,"punctuated_word":"Everyone","sentiment":"neutral","sentiment_score":0.08934976905584335},{"word":"always","start":805.945,"end":806.265,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.03487826883792877},{"word":"says","start":806.265,"end":806.66504,"confidence":0.99609375,"punctuated_word":"says,","sentiment":"neutral","sentiment_score":0.08971551060676575},{"word":"you","start":806.66504,"end":806.825,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05678996443748474},{"word":"know","start":806.825,"end":807.065,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03297191858291626},{"word":"buy","start":807.065,"end":807.305,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.05072438716888428},{"word":"low","start":807.305,"end":807.625,"confidence":0.9753418,"punctuated_word":"low,","sentiment":"neutral","sentiment_score":0.044296491891145706},{"word":"sell","start":807.625,"end":807.945,"confidence":0.9873047,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.0596691220998764},{"word":"high","start":807.945,"end":808.445,"confidence":0.8972168,"punctuated_word":"high,","sentiment":"neutral","sentiment_score":0.05946673825383186},{"word":"but","start":808.905,"end":809.305,"confidence":0.96972656,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.012800067663192747},{"word":"it","start":809.305,"end":809.465,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03058210015296936},{"word":"is","start":809.465,"end":809.625,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05838353931903839},{"word":"the","start":809.625,"end":809.78503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02782614529132843},{"word":"hardest","start":809.78503,"end":810.265,"confidence":0.9980469,"punctuated_word":"hardest","sentiment":"neutral","sentiment_score":-0.12339392304420473},{"word":"time","start":810.265,"end":810.505,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.09031297266483308},{"word":"to","start":810.505,"end":810.66504,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15048116445541382},{"word":"convince","start":810.66504,"end":811.145,"confidence":1.0,"punctuated_word":"convince","sentiment":"neutral","sentiment_score":-0.12805725634098053},{"word":"yourself","start":811.145,"end":811.56,"confidence":0.9941406,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.08375914394855499},{"word":"to","start":811.56,"end":811.64,"confidence":0.9243164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017212390899658203},{"word":"do","start":811.64,"end":811.8,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.018879324197769165},{"word":"it","start":811.8,"end":811.96,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.02487943693995476},{"word":"but","start":811.96,"end":812.46,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06298965960741043},{"word":"if","start":812.52,"end":812.68,"confidence":0.84228516,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12587103247642517},{"word":"you","start":812.68,"end":812.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12684831023216248},{"word":"ring","start":812.84,"end":813.08,"confidence":0.9980469,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.1120443344116211},{"word":"me","start":813.08,"end":813.24,"confidence":0.9980469,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1252208948135376},{"word":"i'll","start":813.24,"end":813.48,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1802324503660202},{"word":"be","start":813.48,"end":813.56,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.186012402176857},{"word":"telling","start":813.56,"end":813.8,"confidence":1.0,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":0.2383859157562256},{"word":"you","start":813.8,"end":814.04,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2343873828649521},{"word":"to","start":814.04,"end":814.12,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18654748797416687},{"word":"keep","start":814.12,"end":814.36,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.22748802602291107},{"word":"going","start":814.36,"end":814.68,"confidence":0.99609375,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.32918253540992737},{"word":"and","start":814.68,"end":814.92,"confidence":0.7089844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26014944911003113},{"word":"keep","start":814.92,"end":815.24,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.294447660446167},{"word":"buying","start":815.24,"end":815.64,"confidence":0.7976074,"punctuated_word":"buying,","sentiment":"neutral","sentiment_score":0.22425368428230288},{"word":"keep","start":815.64,"end":815.88,"confidence":0.96533203,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3408711552619934},{"word":"investing","start":815.88,"end":816.38,"confidence":0.8952637,"punctuated_word":"investing,","sentiment":"neutral","sentiment_score":0.24151769280433655},{"word":"and","start":817.08,"end":817.24,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27605414390563965},{"word":"take","start":817.24,"end":817.48,"confidence":0.99902344,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.37829071283340454},{"word":"advantage","start":817.48,"end":817.88,"confidence":1.0,"punctuated_word":"advantage","sentiment":"positive","sentiment_score":0.34197983145713806},{"word":"of","start":817.88,"end":818.04,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3200157582759857},{"word":"those","start":818.04,"end":818.27997,"confidence":0.9819336,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.11834891140460968},{"word":"downtimes","start":818.27997,"end":818.77997,"confidence":0.7003174,"punctuated_word":"downtimes","sentiment":"neutral","sentiment_score":0.18299230933189392},{"word":"because","start":818.84,"end":819.08,"confidence":0.4880371,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1290639340877533},{"word":"in","start":819.08,"end":819.32,"confidence":0.62109375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19257430732250216},{"word":"all","start":819.32,"end":819.48,"confidence":0.94921875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1476944237947464},{"word":"honesty","start":819.48,"end":819.88,"confidence":0.9108887,"punctuated_word":"honesty,","sentiment":"neutral","sentiment_score":0.2705005407333374},{"word":"that's","start":819.88,"end":820.12,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3071415424346924},{"word":"what","start":820.12,"end":820.36,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2733002305030823},{"word":"i","start":820.36,"end":820.52,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3122897744178772},{"word":"do","start":820.52,"end":821.02,"confidence":0.9980469,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.2863422632217407},{"word":"i","start":822.36,"end":822.44,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3096301555633545},{"word":"see","start":822.44,"end":822.68,"confidence":0.95703125,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.45977625250816345},{"word":"a","start":822.68,"end":822.84,"confidence":0.89746094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42670202255249023},{"word":"downtime","start":822.84,"end":823.32,"confidence":0.80908203,"punctuated_word":"downtime,","sentiment":"positive","sentiment_score":0.3367350101470947},{"word":"and","start":823.32,"end":823.48,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25628137588500977},{"word":"i","start":823.48,"end":823.56,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2913918197154999},{"word":"get","start":823.56,"end":823.8,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.40338072180747986},{"word":"a","start":823.8,"end":823.88,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.240316241979599},{"word":"little","start":823.88,"end":824.12,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2663430869579315},{"word":"bit","start":824.12,"end":824.27997,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3185213506221771},{"word":"excited","start":824.27997,"end":824.77997,"confidence":0.95751953,"punctuated_word":"excited.","sentiment":"neutral","sentiment_score":0.2953534722328186},{"word":"so","start":824.84,"end":825.285,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.34158483147621155},{"word":"it","start":825.52496,"end":825.76495,"confidence":0.9921875,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4532239437103271},{"word":"gives","start":825.76495,"end":826.08496,"confidence":0.97509766,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.4041171669960022},{"word":"it's","start":826.165,"end":826.245,"confidence":0.8093262,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4144875705242157},{"word":"essentially","start":826.245,"end":826.565,"confidence":0.76464844,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.29694315791130066},{"word":"just","start":826.565,"end":826.685,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2457706332206726},{"word":"a","start":826.685,"end":826.805,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2929232120513916},{"word":"bit","start":826.805,"end":827.045,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3058871626853943},{"word":"of","start":827.045,"end":827.125,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2654784619808197},{"word":"a","start":827.125,"end":827.20496,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24331167340278623},{"word":"buying","start":827.20496,"end":827.605,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.21331292390823364},{"word":"opportunity","start":827.605,"end":828.105,"confidence":0.97802734,"punctuated_word":"opportunity.","sentiment":"neutral","sentiment_score":0.2210976630449295},{"word":"and","start":828.245,"end":828.485,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05414500832557678},{"word":"the","start":828.485,"end":828.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07973246276378632},{"word":"other","start":828.565,"end":828.725,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.12295635789632796},{"word":"thing","start":828.725,"end":828.96497,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.056828051805496216},{"word":"is","start":828.96497,"end":829.20496,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12084546685218812},{"word":"these","start":829.20496,"end":829.44495,"confidence":0.91503906,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.10167739540338516},{"word":"investments","start":829.44495,"end":829.925,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.042392268776893616},{"word":"have","start":829.925,"end":830.245,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1020686775445938},{"word":"always","start":830.245,"end":830.565,"confidence":0.9394531,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.06300097703933716},{"word":"stood","start":830.565,"end":830.805,"confidence":0.8598633,"punctuated_word":"stood","sentiment":"neutral","sentiment_score":-0.013779819011688232},{"word":"those","start":830.805,"end":831.045,"confidence":0.98535156,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.01590198278427124},{"word":"ups","start":831.045,"end":831.285,"confidence":0.9970703,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.10120187699794768},{"word":"and","start":831.285,"end":831.44495,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1405964493751526},{"word":"downs","start":831.44495,"end":831.76495,"confidence":0.9729004,"punctuated_word":"downs.","sentiment":"neutral","sentiment_score":-0.05541091039776802},{"word":"they've","start":831.76495,"end":832.00494,"confidence":0.8798828,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":0.00914865266531706},{"word":"been","start":832.00494,"end":832.245,"confidence":0.97802734,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.026259079575538635},{"word":"through","start":832.245,"end":832.485,"confidence":0.9770508,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07614447176456451},{"word":"times","start":832.485,"end":832.805,"confidence":0.9941406,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.0218963623046875},{"word":"like","start":832.805,"end":833.045,"confidence":0.8911133,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03041529655456543},{"word":"covid","start":833.045,"end":833.285,"confidence":0.9980469,"punctuated_word":"COVID","sentiment":"neutral","sentiment_score":-0.100883387029171},{"word":"and","start":833.285,"end":833.44495,"confidence":0.80908203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12997721135616302},{"word":"the","start":833.44495,"end":833.605,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1585158109664917},{"word":"gfc","start":833.605,"end":834.08496,"confidence":0.7023112,"punctuated_word":"GFC,","sentiment":"neutral","sentiment_score":-0.11524982750415802},{"word":"and","start":834.08496,"end":834.245,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10589870810508728},{"word":"they've","start":834.245,"end":834.485,"confidence":0.96606445,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.19881120324134827},{"word":"withstood","start":834.485,"end":834.96497,"confidence":0.92456055,"punctuated_word":"withstood","sentiment":"neutral","sentiment_score":-0.272874653339386},{"word":"that","start":834.96497,"end":835.20496,"confidence":0.98706055,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.18752650916576383},{"word":"so","start":835.20496,"end":835.70496,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20332831144332889},{"word":"we","start":836.00494,"end":836.165,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3303285539150238},{"word":"wanna","start":836.165,"end":836.40497,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5034111738204956},{"word":"make","start":836.40497,"end":836.565,"confidence":0.9980469,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3725836575031281},{"word":"sure","start":836.565,"end":836.805,"confidence":0.9970703,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.42893120646476746},{"word":"that","start":836.805,"end":836.96497,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5210785269737244},{"word":"you're","start":836.96497,"end":837.125,"confidence":0.9904785,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5390739440917969},{"word":"in","start":837.125,"end":837.365,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.43111303448677063},{"word":"quality","start":837.365,"end":837.76495,"confidence":0.99902344,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.2601512670516968},{"word":"investments","start":837.76495,"end":838.245,"confidence":0.9658203,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.364347904920578},{"word":"that","start":838.245,"end":838.59,"confidence":0.7836914,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4792043268680573},{"word":"are","start":838.59,"end":838.67004,"confidence":0.32543945,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4161320030689239},{"word":"being","start":838.67004,"end":838.83,"confidence":0.65966797,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.45457983016967773},{"word":"through","start":838.83,"end":838.99005,"confidence":0.79003906,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.39983969926834106},{"word":"the","start":838.99005,"end":839.07,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4471820890903473},{"word":"ups","start":839.07,"end":839.47003,"confidence":0.99902344,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.2972627580165863},{"word":"and","start":839.47003,"end":839.55005,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34195423126220703},{"word":"downs","start":839.55005,"end":840.03,"confidence":0.9921875,"punctuated_word":"downs","sentiment":"positive","sentiment_score":0.33748283982276917},{"word":"that","start":840.03,"end":840.19,"confidence":0.9633789,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2881796061992645},{"word":"can","start":840.19,"end":840.43005,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3494863510131836},{"word":"withstand","start":840.43005,"end":840.93005,"confidence":0.9970703,"punctuated_word":"withstand","sentiment":"positive","sentiment_score":0.3877537250518799},{"word":"that","start":840.99005,"end":841.49005,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3673059344291687},{"word":"and","start":841.55005,"end":841.71,"confidence":0.6303711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.332011342048645},{"word":"that","start":841.71,"end":841.87006,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4606456160545349},{"word":"you're","start":841.87006,"end":842.11005,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5781508684158325},{"word":"in","start":842.11005,"end":842.35004,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5301835536956787},{"word":"a","start":842.35004,"end":842.43005,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.524456799030304},{"word":"in","start":842.43005,"end":842.67004,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.48631131649017334},{"word":"a","start":842.67004,"end":842.91003,"confidence":0.96875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5177876949310303},{"word":"environment","start":842.91003,"end":843.41003,"confidence":0.99902344,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.5433035492897034},{"word":"that","start":843.47003,"end":843.63,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5334125757217407},{"word":"you're","start":843.63,"end":843.87006,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5453101992607117},{"word":"comfortable","start":843.87006,"end":844.37006,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.4836717247962952},{"word":"with","start":844.43005,"end":844.67004,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6194893717765808},{"word":"as","start":844.67004,"end":844.83,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5292075872421265},{"word":"well","start":844.83,"end":845.15,"confidence":0.9914551,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4336807429790497},{"word":"but","start":845.15,"end":845.39,"confidence":1.0,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.5909807682037354},{"word":"i'm","start":845.39,"end":845.55005,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7402340769767761},{"word":"more","start":845.55005,"end":845.71,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.7677934169769287},{"word":"than","start":845.71,"end":845.95,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.7982610464096069},{"word":"happy","start":845.95,"end":846.19,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.8351097106933594},{"word":"to","start":846.19,"end":846.35004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8644915223121643},{"word":"send","start":846.35004,"end":846.59,"confidence":1.0,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.8666027188301086},{"word":"this","start":846.59,"end":846.83,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.8573291897773743},{"word":"through","start":846.83,"end":847.15,"confidence":0.99902344,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.8255356550216675},{"word":"to","start":847.15,"end":847.31,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8530174493789673},{"word":"you","start":847.31,"end":847.47003,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8336184620857239},{"word":"as","start":847.47003,"end":847.71,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.7826644778251648},{"word":"well","start":847.71,"end":847.87006,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.750244140625},{"word":"if","start":847.87006,"end":848.03,"confidence":0.9140625,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.8149746656417847},{"word":"you","start":848.03,"end":848.11005,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7268927097320557},{"word":"like","start":848.11005,"end":848.35004,"confidence":0.9790039,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.7463454604148865},{"word":"just","start":848.35004,"end":848.51,"confidence":0.6230469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6819436550140381},{"word":"so","start":848.51,"end":848.67004,"confidence":0.9892578,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7084691524505615},{"word":"you","start":848.67004,"end":848.75,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7783080339431763},{"word":"can","start":848.75,"end":848.99005,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.8062412142753601},{"word":"run","start":848.99005,"end":849.15,"confidence":0.99902344,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.7737933397293091},{"word":"your","start":849.15,"end":849.31,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8269435167312622},{"word":"eyes","start":849.31,"end":849.63,"confidence":0.99902344,"punctuated_word":"eyes","sentiment":"positive","sentiment_score":0.8293646574020386},{"word":"over","start":849.63,"end":849.95,"confidence":0.9980469,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.8179025650024414},{"word":"that","start":849.95,"end":850.11005,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.821403443813324},{"word":"one","start":850.11005,"end":850.605,"confidence":0.98706055,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.715940535068512},{"word":"you","start":850.76495,"end":851.005,"confidence":0.9921875,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4983680546283722},{"word":"can","start":851.005,"end":851.08496,"confidence":0.9921875,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4405477046966553},{"word":"have","start":851.08496,"end":851.245,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.536121129989624},{"word":"a","start":851.245,"end":851.32495,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5095844864845276},{"word":"bit","start":851.32495,"end":851.565,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4694482386112213},{"word":"of","start":851.565,"end":851.725,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5358599424362183},{"word":"a","start":851.725,"end":851.805,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5184893608093262},{"word":"look","start":851.805,"end":852.045,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4461273550987244},{"word":"at","start":852.045,"end":852.20496,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5315808057785034},{"word":"it","start":852.20496,"end":852.52496,"confidence":0.8581543,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.4758024215698242},{"word":"and","start":852.52496,"end":852.685,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.39403021335601807},{"word":"let","start":852.685,"end":852.925,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.5107488632202148},{"word":"me","start":852.925,"end":853.005,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.50333571434021},{"word":"know","start":853.005,"end":853.245,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.5144364833831787},{"word":"if","start":853.245,"end":853.40497,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.5519982576370239},{"word":"there","start":853.40497,"end":853.64496,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.5336269736289978},{"word":"are","start":853.64496,"end":853.885,"confidence":0.9951172,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4663151502609253},{"word":"any","start":853.885,"end":854.20496,"confidence":0.99902344,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.38595104217529297},{"word":"additional","start":854.20496,"end":854.685,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.3251950442790985},{"word":"questions","start":854.685,"end":855.165,"confidence":1.0,"punctuated_word":"questions","sentiment":"positive","sentiment_score":0.33453816175460815},{"word":"there","start":855.165,"end":855.40497,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4297604262828827},{"word":"at","start":855.40497,"end":855.565,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4938679039478302},{"word":"all","start":855.565,"end":856.065,"confidence":0.98339844,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4260210394859314},{"word":"of","start":859.165,"end":859.245,"confidence":0.70214844,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.0969170331954956},{"word":"course","start":859.245,"end":859.745,"confidence":0.99658203,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.12544958293437958},{"word":"that's","start":863.64496,"end":863.96497,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17810267210006714},{"word":"okay","start":863.96497,"end":864.46497,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.18012215197086334},{"word":"yes","start":869.23,"end":869.73,"confidence":0.98217773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1246921494603157},{"word":"mhmm","start":871.95,"end":872.45,"confidence":0.9975586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.048400841653347015},{"word":"it's","start":878.135,"end":878.455,"confidence":0.8010254,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.12337428331375122},{"word":"really","start":878.455,"end":878.695,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.18800318241119385},{"word":"hard","start":878.695,"end":879.015,"confidence":0.99902344,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.2149455100297928},{"word":"to","start":879.015,"end":879.095,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15920090675354004},{"word":"kinda","start":879.095,"end":879.415,"confidence":0.97265625,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.2741336226463318},{"word":"tell","start":879.415,"end":879.575,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.2514881491661072},{"word":"you","start":879.575,"end":879.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3107505142688751},{"word":"that","start":879.735,"end":879.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.26439031958580017},{"word":"answer","start":879.975,"end":880.375,"confidence":0.99902344,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.2854090631008148},{"word":"just","start":880.375,"end":880.615,"confidence":0.95166016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03983242064714432},{"word":"because","start":880.615,"end":881.095,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07183714210987091},{"word":"when","start":881.095,"end":881.335,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.016213007271289825},{"word":"we're","start":881.335,"end":881.495,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.004152034875005484},{"word":"looking","start":881.495,"end":881.735,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.046281442046165466},{"word":"at","start":881.735,"end":881.975,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06952133774757385},{"word":"growth","start":881.975,"end":882.295,"confidence":0.9707031,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":-0.028772268444299694},{"word":"we're","start":882.295,"end":882.455,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.02043769508600235},{"word":"looking","start":882.455,"end":882.77496,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.049968332052230835},{"word":"at","start":882.77496,"end":882.855,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05563826858997345},{"word":"the","start":882.855,"end":883.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008368819952011108},{"word":"overall","start":883.015,"end":883.415,"confidence":0.71447754,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.02814154326915741},{"word":"so","start":883.415,"end":883.735,"confidence":0.9140625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.011923760175704956},{"word":"income","start":883.735,"end":884.21497,"confidence":0.9873047,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.008940845727920532},{"word":"plus","start":884.21497,"end":884.535,"confidence":0.9980469,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.02179332822561264},{"word":"growth","start":884.535,"end":885.035,"confidence":0.9851074,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":-0.01818014308810234},{"word":"the","start":885.335,"end":885.575,"confidence":0.68652344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.069644495844841},{"word":"research","start":885.575,"end":886.055,"confidence":0.9921875,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.06199049949645996},{"word":"we","start":886.055,"end":886.21497,"confidence":0.94970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04806612432003021},{"word":"get","start":886.21497,"end":886.455,"confidence":0.86621094,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":-0.07618987560272217},{"word":"unfortunately","start":886.455,"end":886.955,"confidence":0.9946289,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.21942034363746643},{"word":"doesn't","start":887.015,"end":887.335,"confidence":0.9980469,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.28134089708328247},{"word":"break","start":887.335,"end":887.575,"confidence":0.89746094,"punctuated_word":"break","sentiment":"neutral","sentiment_score":-0.2514142096042633},{"word":"down","start":887.575,"end":887.895,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1858171373605728},{"word":"income","start":887.895,"end":888.395,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.3298066258430481},{"word":"aside","start":888.455,"end":888.855,"confidence":0.9970703,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":-0.19964838027954104},{"word":"from","start":888.855,"end":889.175,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.19267429411411283},{"word":"growth","start":889.175,"end":889.495,"confidence":0.7873535,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":-0.14058174192905426},{"word":"and","start":889.495,"end":889.735,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17713040113449097},{"word":"dividends","start":889.735,"end":890.235,"confidence":0.9707031,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":-0.17297396063804626},{"word":"change","start":890.295,"end":890.695,"confidence":0.95751953,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":-0.15558716654777527},{"word":"so","start":890.695,"end":891.06,"confidence":0.9362793,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.038156770169734955},{"word":"essentially","start":891.3,"end":891.7,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.04303134232759476},{"word":"the","start":891.7,"end":892.18,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0965019315481186},{"word":"etfs","start":892.18,"end":892.68,"confidence":0.80810547,"punctuated_word":"ETFs","sentiment":"neutral","sentiment_score":0.04739709943532944},{"word":"every","start":892.74,"end":893.06,"confidence":0.72021484,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.03892432898283005},{"word":"couple","start":893.06,"end":893.38,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07129824161529541},{"word":"of","start":893.38,"end":893.54,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11243706196546556},{"word":"months","start":893.54,"end":893.86,"confidence":0.7141113,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.07794222235679626},{"word":"a","start":893.86,"end":893.94,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10760825872421265},{"word":"lot","start":893.94,"end":894.1,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.09717082977294922},{"word":"of","start":894.1,"end":894.26,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10158544778823853},{"word":"the","start":894.26,"end":894.5,"confidence":0.80810547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12192036956548692},{"word":"vanguard","start":894.5,"end":894.98,"confidence":0.6748047,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.11444813758134842},{"word":"and","start":894.98,"end":895.14,"confidence":0.9116211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08801081031560898},{"word":"ishares","start":895.14,"end":895.62,"confidence":0.7746582,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.12925589084625244},{"word":"etfs","start":895.62,"end":896.1,"confidence":0.92333984,"punctuated_word":"ETFs","sentiment":"neutral","sentiment_score":0.10993372648954391},{"word":"pay","start":896.1,"end":896.34,"confidence":0.8769531,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.12419082224369048},{"word":"dividends","start":896.34,"end":896.82,"confidence":0.9980469,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.10308660566806792},{"word":"on","start":896.82,"end":896.98,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09126518666744232},{"word":"a","start":896.98,"end":897.14,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10219506919384004},{"word":"biannually","start":897.14,"end":897.64,"confidence":0.9820964,"punctuated_word":"biannually","sentiment":"neutral","sentiment_score":0.10271944105625153},{"word":"or","start":897.86,"end":898.02,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08853207528591156},{"word":"quarterly","start":898.02,"end":898.5,"confidence":0.9980469,"punctuated_word":"quarterly","sentiment":"neutral","sentiment_score":0.16295063495635986},{"word":"basis","start":898.5,"end":899.0,"confidence":0.7792969,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.12069427967071532},{"word":"and","start":899.54,"end":899.7,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08488375693559647},{"word":"they","start":899.7,"end":899.86,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1335737556219101},{"word":"actually","start":899.86,"end":900.26,"confidence":0.9760742,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.14102324843406677},{"word":"all","start":900.26,"end":900.5,"confidence":0.9902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08333875238895416},{"word":"come","start":900.5,"end":900.74,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1312497854232788},{"word":"out","start":900.74,"end":900.9,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11104356497526167},{"word":"a","start":900.9,"end":901.06,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11337588727474213},{"word":"few","start":901.06,"end":901.38,"confidence":0.9980469,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.09348410367965698},{"word":"a","start":901.38,"end":901.46,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08510679751634598},{"word":"few","start":901.46,"end":901.7,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05045666918158531},{"word":"weeks","start":901.7,"end":902.1,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.08256012946367264},{"word":"prior","start":902.1,"end":902.5,"confidence":1.0,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.030488982796669006},{"word":"to","start":902.5,"end":902.58,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07836638391017914},{"word":"the","start":902.58,"end":902.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08277600258588791},{"word":"dividend","start":902.74,"end":903.24,"confidence":0.96972656,"punctuated_word":"dividend","sentiment":"neutral","sentiment_score":0.08704546093940735},{"word":"period","start":904.035,"end":904.515,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.08090697228908539},{"word":"to","start":904.515,"end":904.755,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06079467386007309},{"word":"say","start":904.755,"end":904.995,"confidence":0.9970703,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.07050855457782745},{"word":"how","start":904.995,"end":905.15497,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0624997615814209},{"word":"much","start":905.15497,"end":905.395,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0835062712430954},{"word":"they're","start":905.395,"end":905.635,"confidence":0.99609375,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.12984894216060638},{"word":"gonna","start":905.635,"end":905.875,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13680043816566467},{"word":"pay","start":905.875,"end":906.115,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.08264180272817612},{"word":"in","start":906.115,"end":906.27496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14316195249557495},{"word":"dividends","start":906.27496,"end":906.755,"confidence":0.94091797,"punctuated_word":"dividends.","sentiment":"neutral","sentiment_score":0.1574760526418686},{"word":"so","start":906.755,"end":906.915,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1823376715183258},{"word":"those","start":906.915,"end":907.235,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.19387051463127136},{"word":"dividends","start":907.235,"end":907.735,"confidence":0.99902344,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.137556254863739},{"word":"do","start":907.795,"end":908.115,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13950476050376892},{"word":"change","start":908.115,"end":908.515,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.18998947739601135},{"word":"on","start":908.515,"end":908.755,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12859979271888733},{"word":"a","start":908.755,"end":908.835,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15825743973255155},{"word":"regular","start":908.835,"end":909.315,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.16399207711219788},{"word":"basis","start":909.315,"end":909.71497,"confidence":0.9838867,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.1431555449962616},{"word":"you","start":909.71497,"end":909.875,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.207809716463089},{"word":"tend","start":909.875,"end":910.115,"confidence":0.99902344,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.20181870460510257},{"word":"to","start":910.115,"end":910.27496,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14807440340518951},{"word":"get","start":910.27496,"end":910.435,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.20166677236557007},{"word":"a","start":910.435,"end":910.595,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13294577598571777},{"word":"few","start":910.595,"end":910.755,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.1466018557548523},{"word":"cents","start":910.755,"end":911.075,"confidence":0.9980469,"punctuated_word":"cents","sentiment":"neutral","sentiment_score":0.1672927439212799},{"word":"or","start":911.075,"end":911.235,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.18891437351703644},{"word":"a","start":911.235,"end":911.315,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2006223499774933},{"word":"few","start":911.315,"end":911.475,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.15270379185676575},{"word":"dollars","start":911.475,"end":911.875,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.1450875997543335},{"word":"per","start":911.875,"end":912.195,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.1826338768005371},{"word":"share","start":912.195,"end":912.695,"confidence":0.7614746,"punctuated_word":"share.","sentiment":"neutral","sentiment_score":0.10603183507919312},{"word":"so","start":913.235,"end":913.475,"confidence":0.9194336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01296362280845642},{"word":"it","start":913.475,"end":913.635,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08087298274040222},{"word":"is","start":913.635,"end":913.875,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.24450410902500153},{"word":"very","start":913.875,"end":914.195,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.32817181944847107},{"word":"hard","start":914.195,"end":914.515,"confidence":1.0,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.2524166405200958},{"word":"to","start":914.515,"end":914.595,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04390715062618256},{"word":"kinda","start":914.595,"end":914.915,"confidence":0.9741211,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.19166363775730133},{"word":"confirm","start":914.915,"end":915.395,"confidence":0.6298828,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":-0.2629548907279968},{"word":"that","start":915.395,"end":915.71497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20253737270832065},{"word":"for","start":915.71497,"end":915.955,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15913215279579165},{"word":"you","start":915.955,"end":916.355,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0928625762462616},{"word":"just","start":916.355,"end":916.515,"confidence":0.92333984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.18256708979606628},{"word":"because","start":916.515,"end":916.915,"confidence":0.99316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1758332401514053},{"word":"it's","start":916.915,"end":917.075,"confidence":0.9682617,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0813201516866684},{"word":"it","start":917.235,"end":917.475,"confidence":0.82910156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.013476893305778503},{"word":"is","start":917.475,"end":917.71497,"confidence":0.5776367,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10340669751167296},{"word":"up","start":917.71497,"end":917.875,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0566735714673996},{"word":"to","start":917.875,"end":918.035,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007625073194503784},{"word":"the","start":918.035,"end":918.195,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015043362975120544},{"word":"investment","start":918.195,"end":918.695,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.006513640284538269},{"word":"company","start":919.2,"end":919.52,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.00785788893699646},{"word":"at","start":919.52,"end":919.76,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0019766688346862793},{"word":"the","start":919.76,"end":919.84,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06151267886161804},{"word":"time","start":919.84,"end":920.16003,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07032199203968048},{"word":"that","start":920.16003,"end":920.24005,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08250561356544495},{"word":"the","start":920.24005,"end":920.48004,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06180478632450104},{"word":"dividends","start":920.48004,"end":920.98004,"confidence":0.9980469,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.06441367417573929},{"word":"are","start":921.04004,"end":921.2,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03649444878101349},{"word":"due","start":921.2,"end":921.7,"confidence":0.9313965,"punctuated_word":"due.","sentiment":"neutral","sentiment_score":-0.044105127453804016},{"word":"but","start":922.16003,"end":922.4,"confidence":0.5053711,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.20457974076271057},{"word":"what","start":922.4,"end":922.56,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2575002908706665},{"word":"i'd","start":922.56,"end":922.80005,"confidence":0.98950195,"punctuated_word":"I'd","sentiment":"positive","sentiment_score":0.36226946115493774},{"word":"be","start":922.80005,"end":922.88,"confidence":0.99609375,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.37679463624954224},{"word":"probably","start":922.88,"end":923.2,"confidence":0.9902344,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.3886829912662506},{"word":"looking","start":923.2,"end":923.44,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3338930010795593},{"word":"at","start":923.44,"end":923.68,"confidence":0.9970703,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4183168411254883},{"word":"trying","start":923.68,"end":923.92004,"confidence":0.9658203,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.45798981189727783},{"word":"to","start":923.92004,"end":924.08,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.373239129781723},{"word":"do","start":924.08,"end":924.24005,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.37734994292259216},{"word":"for","start":924.24005,"end":924.4,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3870811462402344},{"word":"you","start":924.4,"end":924.64,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4500836431980133},{"word":"is","start":924.64,"end":924.88,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3471719026565552},{"word":"just","start":924.88,"end":925.04004,"confidence":0.99121094,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3609037399291992},{"word":"to","start":925.04004,"end":925.2,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3231508731842041},{"word":"kinda","start":925.2,"end":925.52,"confidence":0.6875,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.4078787565231323},{"word":"look","start":925.52,"end":925.84,"confidence":0.9091797,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3529723882675171},{"word":"get","start":926.16003,"end":926.32,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4435884952545166},{"word":"it","start":926.32,"end":926.48004,"confidence":0.6777344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4396657645702362},{"word":"started","start":926.48004,"end":926.88,"confidence":0.9980469,"punctuated_word":"started","sentiment":"positive","sentiment_score":0.46416497230529785},{"word":"for","start":926.88,"end":927.04004,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5278242230415344},{"word":"the","start":927.04004,"end":927.12,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4847894012928009},{"word":"first","start":927.12,"end":927.52,"confidence":0.99902344,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.4108664393424988},{"word":"year","start":927.52,"end":928.02,"confidence":0.9589844,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.5138102769851685},{"word":"have","start":928.16003,"end":928.32,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.599718451499939},{"word":"a","start":928.32,"end":928.4,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6124874949455261},{"word":"really","start":928.4,"end":928.64,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6967148184776306},{"word":"good","start":928.64,"end":928.88,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5772088170051575},{"word":"look","start":928.88,"end":929.12,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.7104297876358032},{"word":"at","start":929.12,"end":929.2,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.7228710055351257},{"word":"it","start":929.2,"end":929.36005,"confidence":0.95996094,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.024302739650011063},{"word":"we","start":929.36005,"end":929.52,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09014510363340378},{"word":"could","start":929.52,"end":929.68,"confidence":0.8330078,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.10451757907867432},{"word":"maybe","start":929.68,"end":930.0,"confidence":0.9902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.10272779315710068},{"word":"touch","start":930.0,"end":930.24005,"confidence":0.99902344,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.08520244061946869},{"word":"base","start":930.24005,"end":930.4,"confidence":0.9941406,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.0790879875421524},{"word":"in","start":930.4,"end":930.64,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07952779531478882},{"word":"six","start":930.64,"end":930.88,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.11080087721347807},{"word":"months'","start":930.88,"end":931.2,"confidence":0.7753906,"punctuated_word":"months'","sentiment":"neutral","sentiment_score":0.08280551433563232},{"word":"time","start":931.2,"end":931.36005,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10895413160324097},{"word":"and","start":931.36005,"end":931.52,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07545942068099976},{"word":"see","start":931.52,"end":931.68,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08298970758914948},{"word":"where","start":931.68,"end":931.92004,"confidence":0.9970703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10158713907003404},{"word":"things","start":931.92004,"end":932.24005,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.14584600925445557},{"word":"are","start":932.24005,"end":932.445,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09569551050662994},{"word":"tracking","start":932.525,"end":932.84503,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.11251570284366608},{"word":"and","start":932.84503,"end":932.925,"confidence":0.74316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09160258620977402},{"word":"then","start":932.925,"end":933.245,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07823319733142853},{"word":"do","start":933.245,"end":933.485,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0960043966770172},{"word":"a","start":933.485,"end":933.645,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12330841273069382},{"word":"full","start":933.645,"end":933.965,"confidence":0.97998047,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1532624065876007},{"word":"year","start":933.965,"end":934.365,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.10144712775945663},{"word":"kind","start":934.365,"end":934.605,"confidence":0.9707031,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08831122517585754},{"word":"of","start":934.605,"end":934.765,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10370815545320512},{"word":"review","start":934.765,"end":935.085,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.10085709393024445},{"word":"of","start":935.085,"end":935.245,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11572518944740295},{"word":"things","start":935.245,"end":935.745,"confidence":0.91259766,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.11720970273017885},{"word":"see","start":936.205,"end":936.365,"confidence":0.5776367,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08939594030380249},{"word":"if","start":936.365,"end":936.525,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08821211755275726},{"word":"there's","start":936.525,"end":936.685,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07290704548358917},{"word":"any","start":936.685,"end":936.925,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07390213757753372},{"word":"changes","start":936.925,"end":937.325,"confidence":0.9614258,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.06778453290462494},{"word":"that","start":937.325,"end":937.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06449232995510101},{"word":"needs","start":937.485,"end":937.72504,"confidence":0.53515625,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.05778736621141434},{"word":"to","start":937.72504,"end":937.805,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06742896884679794},{"word":"be","start":937.805,"end":937.965,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07550967484712601},{"word":"made","start":937.965,"end":938.445,"confidence":0.9885254,"punctuated_word":"made,","sentiment":"neutral","sentiment_score":0.07897625118494034},{"word":"look","start":938.445,"end":938.685,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0945935845375061},{"word":"at","start":938.685,"end":938.765,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07878942042589188},{"word":"what","start":938.765,"end":939.005,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10284678637981416},{"word":"the","start":939.005,"end":939.245,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0862543135881424},{"word":"income","start":939.245,"end":939.565,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10126851499080658},{"word":"is","start":939.565,"end":939.805,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06850173324346542},{"word":"that's","start":939.805,"end":939.965,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1035834178328514},{"word":"being","start":939.965,"end":940.365,"confidence":0.91845703,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.09978224337100984},{"word":"generated","start":940.365,"end":940.84503,"confidence":1.0,"punctuated_word":"generated","sentiment":"neutral","sentiment_score":0.12355463206768036},{"word":"on","start":940.84503,"end":941.005,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11259811371564864},{"word":"a","start":941.005,"end":941.085,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1559356451034546},{"word":"regular","start":941.085,"end":941.565,"confidence":0.99902344,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.15323594212532043},{"word":"basis","start":941.565,"end":942.045,"confidence":0.99902344,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.13989540934562683},{"word":"for","start":942.045,"end":942.28503,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14665846526622772},{"word":"you","start":942.28503,"end":942.78503,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13084663450717926},{"word":"just","start":943.325,"end":943.645,"confidence":0.50439453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1448163092136383},{"word":"with","start":943.645,"end":943.805,"confidence":0.94921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16835036873817444},{"word":"the","start":943.805,"end":943.965,"confidence":0.93359375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14152981340885162},{"word":"projection","start":943.965,"end":944.465,"confidence":0.99609375,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.08917392045259476},{"word":"table","start":944.525,"end":944.84503,"confidence":0.875,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.09820175170898438},{"word":"and","start":944.84503,"end":945.005,"confidence":0.9707031,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11615049839019775},{"word":"i","start":945.005,"end":945.085,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09612579643726347},{"word":"know","start":945.085,"end":945.325,"confidence":0.97509766,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.08829764276742935},{"word":"this","start":945.325,"end":945.565,"confidence":0.9838867,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09414580464363098},{"word":"is","start":945.565,"end":945.645,"confidence":0.9716797,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07168810069561005},{"word":"just","start":945.645,"end":945.695,"confidence":0.9370117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09152254462242126},{"word":"a","start":945.695,"end":945.745,"confidence":0.48950195,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07869985699653625},{"word":"projection","start":945.745,"end":945.795,"confidence":0.96533203,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.026628680527210236},{"word":"table","start":945.795,"end":945.845,"confidence":0.82421875,"punctuated_word":"table,","sentiment":"neutral","sentiment_score":0.03913119435310364},{"word":"but","start":945.845,"end":945.895,"confidence":0.56591797,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.051165301352739334},{"word":"that","start":945.895,"end":945.945,"confidence":0.6328125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07698285579681396},{"word":"does","start":945.945,"end":945.995,"confidence":0.6035156,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06632240116596222},{"word":"look","start":945.995,"end":946.045,"confidence":0.796875,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06580685079097748},{"word":"at","start":946.045,"end":946.1825,"confidence":0.6645508,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05910359695553779},{"word":"the","start":946.1825,"end":946.32,"confidence":0.56933594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0530959852039814},{"word":"but","start":947.04,"end":947.28,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09907475113868712},{"word":"that","start":947.28,"end":947.52,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14224116504192352},{"word":"does","start":947.52,"end":947.84,"confidence":0.99121094,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1147998571395874},{"word":"look","start":947.84,"end":948.16003,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09107421338558196},{"word":"at","start":948.16003,"end":948.4,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07648777216672897},{"word":"the","start":948.4,"end":948.72003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10024753212928772},{"word":"expected","start":948.72003,"end":949.22003,"confidence":1.0,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.13498573005199432},{"word":"with","start":949.76,"end":950.0,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12326216697692872},{"word":"the","start":950.0,"end":950.16003,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14680629968643188},{"word":"five","start":950.16003,"end":950.48,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1065223515033722},{"word":"year","start":950.48,"end":950.64,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.13279595971107483},{"word":"rolling","start":950.64,"end":951.04,"confidence":1.0,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.11001001298427582},{"word":"average","start":951.04,"end":951.36,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.11683617532253264},{"word":"and","start":951.36,"end":951.52,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14557790756225586},{"word":"the","start":951.52,"end":951.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1509266048669815},{"word":"fees","start":951.68,"end":952.0,"confidence":0.8339844,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.1501431167125702},{"word":"there","start":952.0,"end":952.5,"confidence":0.95214844,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.14508607983589172},{"word":"that","start":952.88,"end":953.2,"confidence":0.9589844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13854777812957764},{"word":"over","start":953.2,"end":953.44,"confidence":0.9941406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.14284417033195496},{"word":"the","start":953.44,"end":953.60004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12464575469493866},{"word":"next","start":953.60004,"end":953.84,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0968099683523178},{"word":"sort","start":953.84,"end":954.08,"confidence":0.91748047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1078128069639206},{"word":"of","start":954.08,"end":954.24,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16208414733409882},{"word":"five","start":954.24,"end":954.48,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.135429710149765},{"word":"years","start":954.48,"end":954.72003,"confidence":0.986084,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.1747952699661255},{"word":"you","start":954.72003,"end":954.88,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22880148887634277},{"word":"could","start":954.88,"end":955.12,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1799834966659546},{"word":"end","start":955.12,"end":955.28,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.21770815551280975},{"word":"up","start":955.28,"end":955.44,"confidence":0.9526367,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15070396661758423},{"word":"with","start":955.44,"end":955.60004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18106630444526672},{"word":"about","start":955.60004,"end":956.0,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17441749572753906},{"word":"73,000","start":956.0,"end":957.2,"confidence":0.99902344,"punctuated_word":"73,000","sentiment":"neutral","sentiment_score":0.22406694293022156},{"word":"sitting","start":957.2,"end":957.52,"confidence":0.98095703,"punctuated_word":"sitting","sentiment":"positive","sentiment_score":0.3815004229545593},{"word":"in","start":957.52,"end":957.68,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.252061128616333},{"word":"super","start":957.68,"end":958.18,"confidence":0.9658203,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.35230955481529236},{"word":"by","start":958.815,"end":959.135,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.18448342382907867},{"word":"considering","start":959.135,"end":959.635,"confidence":1.0,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.17981113493442535},{"word":"the","start":959.775,"end":960.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18183758854866028},{"word":"growth","start":960.015,"end":960.335,"confidence":0.93408203,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.1944423615932465},{"word":"the","start":960.335,"end":960.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1830948293209076},{"word":"income","start":960.575,"end":961.075,"confidence":0.99365234,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.15796712040901184},{"word":"and","start":961.215,"end":961.53503,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15570282936096191},{"word":"the","start":961.53503,"end":961.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16878412663936615},{"word":"additional","start":961.775,"end":962.255,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.14061829447746277},{"word":"cost","start":962.255,"end":962.495,"confidence":0.8774414,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.17955049872398376},{"word":"of","start":962.495,"end":962.655,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13488519191741943},{"word":"having","start":962.655,"end":962.895,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.18301941454410553},{"word":"the","start":962.895,"end":963.135,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.170546755194664},{"word":"investment","start":963.135,"end":963.61505,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1039481908082962},{"word":"account","start":963.61505,"end":964.015,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.08638308942317963},{"word":"open","start":964.015,"end":964.495,"confidence":0.9387207,"punctuated_word":"open.","sentiment":"neutral","sentiment_score":0.1440640538930893},{"word":"so","start":964.495,"end":964.97504,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21324360370635984},{"word":"that","start":964.97504,"end":965.135,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22678400576114657},{"word":"is","start":965.135,"end":965.29504,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16693906486034393},{"word":"the","start":965.29504,"end":965.455,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15567351877689362},{"word":"projected","start":965.455,"end":965.955,"confidence":1.0,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.23566758632659912},{"word":"outcome","start":966.015,"end":966.41504,"confidence":0.99902344,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.2738262414932251},{"word":"over","start":966.41504,"end":966.575,"confidence":0.9921875,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2440647929906845},{"word":"the","start":966.575,"end":966.73505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19854986667633057},{"word":"next","start":966.73505,"end":967.055,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.17632736265659332},{"word":"five","start":967.055,"end":967.29504,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.19655528664588928},{"word":"years","start":967.29504,"end":967.53503,"confidence":0.9946289,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.1742008626461029},{"word":"we","start":967.53503,"end":967.695,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1989457011222839},{"word":"can","start":967.695,"end":967.85504,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2156294584274292},{"word":"definitely","start":967.85504,"end":968.335,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.20754598081111908},{"word":"review","start":968.335,"end":968.655,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.16052885353565216},{"word":"that","start":968.655,"end":968.895,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17929767072200775},{"word":"to","start":968.895,"end":968.97504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17933081090450287},{"word":"see","start":968.97504,"end":969.135,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22867301106452945},{"word":"whether","start":969.135,"end":969.635,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.19106200337409973},{"word":"you're","start":969.935,"end":970.17505,"confidence":0.9682617,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2076888531446457},{"word":"on","start":970.17505,"end":970.335,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1672995537519455},{"word":"track","start":970.335,"end":970.575,"confidence":1.0,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.22816601395606995},{"word":"for","start":970.575,"end":970.73505,"confidence":0.9482422,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22590523958206177},{"word":"that","start":970.73505,"end":970.895,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18831530213356015},{"word":"or","start":970.895,"end":971.055,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1856351792812347},{"word":"whether","start":971.055,"end":971.29504,"confidence":0.99609375,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.1307438611984253},{"word":"changes","start":971.29504,"end":971.775,"confidence":0.99609375,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.11727812141180038},{"word":"need","start":971.775,"end":971.935,"confidence":0.9277344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.036094121634960175},{"word":"to","start":971.935,"end":972.015,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08706574141979218},{"word":"be","start":972.015,"end":972.17505,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08223986625671387},{"word":"made","start":972.17505,"end":972.495,"confidence":0.8015137,"punctuated_word":"made,","sentiment":"neutral","sentiment_score":0.07760704308748245},{"word":"but","start":972.495,"end":972.73505,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0780738890171051},{"word":"i","start":972.73505,"end":972.895,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.38516342639923096},{"word":"am","start":972.895,"end":973.055,"confidence":0.99902344,"punctuated_word":"am","sentiment":"negative","sentiment_score":-0.4167558550834656},{"word":"really","start":973.055,"end":973.375,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.4390424489974976},{"word":"sorry","start":973.375,"end":973.695,"confidence":0.9946289,"punctuated_word":"sorry,","sentiment":"negative","sentiment_score":-0.4193315804004669},{"word":"jack","start":973.695,"end":973.935,"confidence":0.96484375,"punctuated_word":"Jack.","sentiment":"negative","sentiment_score":-0.4950665831565857},{"word":"i","start":973.935,"end":974.1,"confidence":0.96435547,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5784908533096313},{"word":"can't","start":974.1,"end":974.33997,"confidence":1.0,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.5688321590423584},{"word":"break","start":974.33997,"end":974.57996,"confidence":0.9404297,"punctuated_word":"break","sentiment":"negative","sentiment_score":-0.5481144785881042},{"word":"down","start":974.57996,"end":974.81995,"confidence":0.99902344,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.516685962677002},{"word":"the","start":974.81995,"end":975.06,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5685908794403076},{"word":"income","start":975.06,"end":975.45996,"confidence":0.99902344,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.6453189253807068},{"word":"expectation","start":975.45996,"end":975.95996,"confidence":0.9838867,"punctuated_word":"expectation","sentiment":"negative","sentiment_score":-0.5152679085731506},{"word":"away","start":976.1,"end":976.33997,"confidence":1.0,"punctuated_word":"away","sentiment":"negative","sentiment_score":-0.4131869673728943},{"word":"from","start":976.33997,"end":976.57996,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.4730194509029389},{"word":"the","start":976.57996,"end":976.66,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4110300838947296},{"word":"growth","start":976.66,"end":977.16,"confidence":0.9975586,"punctuated_word":"growth.","sentiment":"negative","sentiment_score":-0.4671627879142761},{"word":"i'd","start":977.54,"end":977.69995,"confidence":1.0,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.4088596999645233},{"word":"love","start":977.69995,"end":977.94,"confidence":0.99902344,"punctuated_word":"love","sentiment":"neutral","sentiment_score":-0.18995127081871033},{"word":"to","start":977.94,"end":978.1,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.27484849095344543},{"word":"be","start":978.1,"end":978.25995,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.30472439527511597},{"word":"able","start":978.25995,"end":978.57996,"confidence":0.9770508,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.2761539816856384},{"word":"to","start":978.57996,"end":978.66,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23336291313171387},{"word":"do","start":978.66,"end":978.89996,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.14401233196258545},{"word":"that","start":978.89996,"end":979.06,"confidence":0.7849121,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.2031764984130859},{"word":"but","start":979.06,"end":979.22,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.23526453971862793},{"word":"if","start":979.22,"end":979.38,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2915867567062378},{"word":"i","start":979.38,"end":979.45996,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2895489037036896},{"word":"could","start":979.45996,"end":979.62,"confidence":1.0,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.3643830716609955},{"word":"do","start":979.62,"end":979.77997,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2899540066719055},{"word":"that","start":979.77997,"end":979.94,"confidence":0.98168945,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.2785455584526062},{"word":"i","start":979.94,"end":980.1,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.35227692127227783},{"word":"could","start":980.1,"end":980.25995,"confidence":0.9892578,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.3789478838443756},{"word":"probably","start":980.25995,"end":980.75995,"confidence":0.99560547,"punctuated_word":"probably,","sentiment":"neutral","sentiment_score":-0.29495716094970703},{"word":"you","start":981.3,"end":981.45996,"confidence":0.87597656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3003072142601013},{"word":"know","start":981.45996,"end":981.77997,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.29708418250083923},{"word":"be","start":981.77997,"end":982.01996,"confidence":0.7685547,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3197042942047119},{"word":"just","start":982.01996,"end":982.25995,"confidence":0.47314453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2686637043952942},{"word":"day","start":982.25995,"end":982.5,"confidence":0.99609375,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.2727506160736084},{"word":"trading","start":982.5,"end":982.89996,"confidence":0.9941406,"punctuated_word":"trading","sentiment":"neutral","sentiment_score":-0.2233876734972},{"word":"myself","start":982.89996,"end":983.39996,"confidence":0.9909668,"punctuated_word":"myself.","sentiment":"neutral","sentiment_score":-0.2878127098083496},{"word":"it","start":983.77997,"end":983.86,"confidence":0.67529297,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.17255322635173798},{"word":"wouldn't","start":983.86,"end":984.18,"confidence":0.99902344,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.13311588764190674},{"word":"have","start":984.18,"end":984.42,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10874636471271516},{"word":"to","start":984.42,"end":984.5,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1002517119050026},{"word":"work","start":984.5,"end":985.0,"confidence":0.9995117,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.11924540996551514},{"word":"yeah","start":990.415,"end":990.915,"confidence":0.94873047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06599150598049164},{"word":"no","start":991.45496,"end":991.855,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1221647411584854},{"word":"definitely","start":991.855,"end":992.355,"confidence":0.99560547,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":-0.030931714922189713},{"word":"i","start":992.495,"end":992.57495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.044454313814640045},{"word":"mean","start":992.57495,"end":992.815,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.04288581758737564},{"word":"you","start":992.815,"end":992.89496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002926543354988098},{"word":"guys","start":992.89496,"end":993.13495,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.04611840099096298},{"word":"have","start":993.13495,"end":993.295,"confidence":0.95166016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.012224137783050535},{"word":"got","start":993.295,"end":993.45496,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.04926053434610367},{"word":"another","start":993.45496,"end":993.77496,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.024746179580688477},{"word":"baby","start":993.77496,"end":994.175,"confidence":1.0,"punctuated_word":"baby","sentiment":"neutral","sentiment_score":0.02212222665548325},{"word":"coming","start":994.175,"end":994.495,"confidence":0.87109375,"punctuated_word":"coming,","sentiment":"neutral","sentiment_score":-0.03619806468486786},{"word":"don't","start":994.495,"end":994.735,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0053416406735777855},{"word":"you","start":994.735,"end":995.235,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.012813005596399307},{"word":"yeah","start":997.055,"end":997.555,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2523515224456787},{"word":"congratulations","start":999.13,"end":999.63,"confidence":0.86572266,"punctuated_word":"Congratulations","sentiment":"positive","sentiment_score":0.6632628440856934},{"word":"on","start":999.93,"end":1000.17,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6381703019142151},{"word":"that","start":1000.17,"end":1000.41,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6831740736961365},{"word":"as","start":1000.41,"end":1000.57,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4193191826343536},{"word":"well","start":1000.57,"end":1001.07,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.32398343086242676},{"word":"absolutely","start":1002.41,"end":1002.91,"confidence":0.9980469,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5136080980300903},{"word":"no","start":1003.85,"end":1004.17,"confidence":0.98706055,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.08988045901060104},{"word":"that's","start":1004.17,"end":1004.49,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13102686405181885},{"word":"okay","start":1004.49,"end":1004.81,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08453274518251419},{"word":"that's","start":1004.81,"end":1005.13,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.244635671377182},{"word":"not","start":1005.13,"end":1005.29,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.23455308377742767},{"word":"a","start":1005.29,"end":1005.37,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1878557801246643},{"word":"problem","start":1005.37,"end":1005.69,"confidence":1.0,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.23171955347061157},{"word":"did","start":1005.69,"end":1005.93,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.12033764272928238},{"word":"you","start":1005.93,"end":1006.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14039930701255798},{"word":"want","start":1006.01,"end":1006.17,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.15509597957134247},{"word":"me","start":1006.17,"end":1006.25,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15324610471725464},{"word":"to","start":1006.25,"end":1006.41,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17510643601417542},{"word":"re","start":1006.41,"end":1006.64996,"confidence":0.9790039,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.16416732966899872},{"word":"email","start":1006.64996,"end":1006.88995,"confidence":0.88964844,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.12901195883750916},{"word":"the","start":1006.88995,"end":1007.05,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15787307918071747},{"word":"document","start":1007.05,"end":1007.52997,"confidence":0.93359375,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.1963682323694229},{"word":"through","start":1007.52997,"end":1007.76996,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18720579147338867},{"word":"to","start":1007.76996,"end":1007.93,"confidence":0.9248047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18770423531532288},{"word":"you","start":1007.93,"end":1008.01,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15407347679138184},{"word":"so","start":1008.01,"end":1008.17,"confidence":0.94140625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1397869735956192},{"word":"you","start":1008.17,"end":1008.32996,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.127455472946167},{"word":"can","start":1008.32996,"end":1008.49,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14604921638965607},{"word":"run","start":1008.49,"end":1008.64996,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.16296574473381042},{"word":"your","start":1008.64996,"end":1008.88995,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16856345534324646},{"word":"eyes","start":1008.88995,"end":1009.13,"confidence":0.9941406,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.1895342618227005},{"word":"over","start":1009.13,"end":1009.44995,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20290499925613403},{"word":"it","start":1009.44995,"end":1009.61,"confidence":0.98217773,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.16097010672092438},{"word":"how","start":1009.61,"end":1009.76996,"confidence":0.99316406,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.08536321669816971},{"word":"would","start":1009.76996,"end":1010.01,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08926232159137726},{"word":"you","start":1010.01,"end":1010.08997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09836126863956451},{"word":"like","start":1010.08997,"end":1010.32996,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11552223563194276},{"word":"to","start":1010.32996,"end":1010.49,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10762673616409302},{"word":"proceed","start":1010.49,"end":1010.81,"confidence":0.79125977,"punctuated_word":"proceed?","sentiment":"neutral","sentiment_score":0.11230197548866272},{"word":"and","start":1010.81,"end":1010.88995,"confidence":0.9819336,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07688391208648682},{"word":"do","start":1010.88995,"end":1011.05,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06556501984596252},{"word":"you","start":1011.05,"end":1011.20996,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09630200266838074},{"word":"have","start":1011.20996,"end":1011.37,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0938582718372345},{"word":"any","start":1011.37,"end":1011.52997,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08619796484708786},{"word":"other","start":1011.52997,"end":1011.69,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07420894503593445},{"word":"questions","start":1011.69,"end":1012.17,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05364527553319931},{"word":"at","start":1012.17,"end":1012.32996,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05276826396584511},{"word":"all","start":1012.32996,"end":1012.82996,"confidence":0.98999023,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.06764881312847137},{"word":"yeah","start":1017.595,"end":1018.095,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05681067705154419},{"word":"yep","start":1022.075,"end":1022.575,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1041642650961876},{"word":"yeah","start":1026.6799,"end":1027.0,"confidence":0.8796387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14855003356933594},{"word":"correct","start":1027.0,"end":1027.5,"confidence":0.99902344,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.21669456362724304},{"word":"yes","start":1027.5599,"end":1027.96,"confidence":0.7536621,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.216955304145813},{"word":"so","start":1027.96,"end":1028.2,"confidence":0.95166016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1730460822582245},{"word":"starting","start":1028.2,"end":1028.44,"confidence":0.9980469,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.16947168111801147},{"word":"with","start":1028.44,"end":1028.6,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2329633831977844},{"word":"that","start":1028.6,"end":1028.84,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24607500433921817},{"word":"25","start":1028.84,"end":1029.32,"confidence":1.0,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.2098795622587204},{"word":"and","start":1029.32,"end":1029.48,"confidence":0.85595703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2000429779291153},{"word":"then","start":1029.48,"end":1029.64,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.25060927867889404},{"word":"dollar","start":1029.64,"end":1029.96,"confidence":0.98828125,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.23594871163368225},{"word":"cost","start":1029.96,"end":1030.28,"confidence":0.99121094,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.2680249512195587},{"word":"averaging","start":1030.28,"end":1030.76,"confidence":0.9902344,"punctuated_word":"averaging","sentiment":"neutral","sentiment_score":0.2855459153652191},{"word":"that","start":1030.76,"end":1031.0,"confidence":0.71972656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2638821601867676},{"word":"$100","start":1031.0,"end":1031.5599,"confidence":0.9736328,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.2461400032043457},{"word":"per","start":1031.5599,"end":1031.7999,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.23978929221630096},{"word":"week","start":1031.7999,"end":1032.0399,"confidence":0.99902344,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.22124572098255155},{"word":"or","start":1032.0399,"end":1032.36,"confidence":0.8984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2925057113170624},{"word":"essentially","start":1032.36,"end":1032.86,"confidence":0.73339844,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2963334918022156},{"word":"4,800","start":1032.9199,"end":1034.12,"confidence":0.9901123,"punctuated_word":"4,800","sentiment":"neutral","sentiment_score":0.26753291487693787},{"word":"over","start":1034.12,"end":1034.36,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.331096887588501},{"word":"the","start":1034.36,"end":1034.44,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3128577470779419},{"word":"course","start":1034.44,"end":1034.6799,"confidence":0.9980469,"punctuated_word":"course","sentiment":"neutral","sentiment_score":0.31234076619148254},{"word":"of","start":1034.6799,"end":1034.84,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3169225752353668},{"word":"the","start":1034.84,"end":1035.0,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2920219898223877},{"word":"year","start":1035.0,"end":1035.5,"confidence":0.92626953,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2912270128726959},{"word":"it","start":1035.5599,"end":1035.7999,"confidence":0.59375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.23312847316265103},{"word":"is","start":1035.7999,"end":1035.96,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2145402431488037},{"word":"also","start":1035.96,"end":1036.2,"confidence":0.99121094,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2125771790742874},{"word":"not","start":1036.2,"end":1036.36,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.17556628584861755},{"word":"limited","start":1036.36,"end":1036.6799,"confidence":0.99609375,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.10462330281734468},{"word":"to","start":1036.6799,"end":1036.76,"confidence":0.60498047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18966703116893768},{"word":"that","start":1036.76,"end":1036.9199,"confidence":0.85961914,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18659603595733645},{"word":"if","start":1036.9199,"end":1037.08,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.15846306085586548},{"word":"you","start":1037.08,"end":1037.24,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15820512175559998},{"word":"find","start":1037.24,"end":1037.48,"confidence":0.99609375,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.13099254667758942},{"word":"you","start":1037.48,"end":1037.64,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2074957937002182},{"word":"have","start":1037.64,"end":1037.7999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14045244455337524},{"word":"some","start":1037.7999,"end":1037.96,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10281597822904588},{"word":"extra","start":1037.96,"end":1038.28,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.03202834725379944},{"word":"money","start":1038.28,"end":1038.52,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.009144395589828491},{"word":"you","start":1038.52,"end":1038.6799,"confidence":0.86035156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0518120676279068},{"word":"wanna","start":1038.6799,"end":1039.0,"confidence":0.97265625,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.03728453069925308},{"word":"whack","start":1039.0,"end":1039.24,"confidence":0.8444824,"punctuated_word":"whack","sentiment":"neutral","sentiment_score":-0.215415820479393},{"word":"in","start":1039.24,"end":1039.32,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00311356782913208},{"word":"there","start":1039.32,"end":1039.5599,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09553739428520204},{"word":"at","start":1039.5599,"end":1039.815,"confidence":0.9580078,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09529108554124832},{"word":"any","start":1039.815,"end":1039.8949,"confidence":0.68603516,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2372974157333374},{"word":"point","start":1039.8949,"end":1040.0549,"confidence":0.98999023,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.125947505235672},{"word":"you","start":1040.0549,"end":1040.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2178860306739807},{"word":"can","start":1040.455,"end":1040.855,"confidence":0.7507324,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.0229918509721756},{"word":"unlike","start":1040.855,"end":1041.1749,"confidence":0.7519531,"punctuated_word":"Unlike","sentiment":"neutral","sentiment_score":0.03112730383872986},{"word":"your","start":1041.1749,"end":1041.4149,"confidence":0.48168945,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017003875225782394},{"word":"sleep","start":1041.4149,"end":1041.6549,"confidence":0.9057617,"punctuated_word":"sleep,","sentiment":"neutral","sentiment_score":0.01530380081385374},{"word":"you're","start":1041.6549,"end":1041.8949,"confidence":0.7480469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03056253120303154},{"word":"not","start":1041.8949,"end":1042.1349,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.00874798372387886},{"word":"limited","start":1042.1349,"end":1042.615,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.005909338593482971},{"word":"with","start":1042.615,"end":1042.7749,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.029773689806461338},{"word":"your","start":1042.7749,"end":1043.0149,"confidence":0.5341797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03922051936388016},{"word":"personal","start":1043.0149,"end":1043.4149,"confidence":0.9970703,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.024488575756549835},{"word":"investment","start":1043.4149,"end":1043.8949,"confidence":0.9941406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.01760617084801197},{"word":"account","start":1043.8949,"end":1044.215,"confidence":0.61621094,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.01502269133925438},{"word":"so","start":1044.215,"end":1044.2949,"confidence":0.9003906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03147197514772415},{"word":"you","start":1044.2949,"end":1044.455,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05133076757192612},{"word":"can","start":1044.455,"end":1044.615,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0424269400537014},{"word":"be","start":1044.615,"end":1044.695,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03871672600507736},{"word":"putting","start":1044.695,"end":1044.9349,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.0472462922334671},{"word":"in","start":1044.9349,"end":1045.095,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04218274354934693},{"word":"more","start":1045.095,"end":1045.335,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03768784552812576},{"word":"if","start":1045.335,"end":1045.495,"confidence":0.97509766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05469898134469986},{"word":"you","start":1045.495,"end":1045.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.054516442120075226},{"word":"want","start":1045.575,"end":1045.8949,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.041954465210437775},{"word":"to","start":1045.8949,"end":1045.975,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04463327676057816},{"word":"at","start":1045.975,"end":1046.1349,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03638029843568802},{"word":"any","start":1046.1349,"end":1046.375,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06566116958856583},{"word":"point","start":1046.375,"end":1046.615,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.055503204464912415},{"word":"in","start":1046.615,"end":1046.7749,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04591178894042969},{"word":"time","start":1046.7749,"end":1047.2749,"confidence":0.982666,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.04208827018737793},{"word":"but","start":1047.815,"end":1048.0549,"confidence":0.77319336,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.030479103326797485},{"word":"yeah","start":1048.0549,"end":1048.2949,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03392953425645828},{"word":"just","start":1048.2949,"end":1048.455,"confidence":0.9667969,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.023145083338022232},{"word":"for","start":1048.455,"end":1048.615,"confidence":0.6430664,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02433810941874981},{"word":"the","start":1048.615,"end":1048.7749,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04446016252040863},{"word":"projected","start":1048.7749,"end":1049.1749,"confidence":0.9970703,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.050919923931360245},{"word":"outcome","start":1049.1749,"end":1049.575,"confidence":0.9584961,"punctuated_word":"outcome,","sentiment":"neutral","sentiment_score":0.06260088086128235},{"word":"that's","start":1049.575,"end":1049.735,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05880600959062576},{"word":"what","start":1049.735,"end":1049.975,"confidence":0.43725586,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07522215694189072},{"word":"we","start":1049.975,"end":1050.215,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07057755440473557},{"word":"kinda","start":1050.215,"end":1050.5349,"confidence":0.9550781,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.07436850666999817},{"word":"have","start":1050.5349,"end":1050.695,"confidence":0.54541016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07898891717195511},{"word":"projected","start":1050.695,"end":1051.195,"confidence":0.9970703,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.07649019360542297},{"word":"with","start":1051.2549,"end":1051.4149,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09778792411088943},{"word":"the","start":1051.4149,"end":1051.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10047124326229095},{"word":"advice","start":1051.575,"end":1051.975,"confidence":0.86328125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.07385991513729095},{"word":"document","start":1051.975,"end":1052.475,"confidence":0.9025879,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.0523928664624691},{"word":"but","start":1053.11,"end":1053.27,"confidence":0.9873047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04590020328760147},{"word":"it","start":1053.27,"end":1053.43,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03563448786735535},{"word":"does","start":1053.43,"end":1053.75,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.024806134402751923},{"word":"come","start":1053.75,"end":1053.8301,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.04979157820343971},{"word":"down","start":1053.8301,"end":1054.0701,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04434995725750923},{"word":"to","start":1054.0701,"end":1054.23,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.047771356999874115},{"word":"how","start":1054.23,"end":1054.4701,"confidence":0.9863281,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.042656634002923965},{"word":"markets","start":1054.4701,"end":1054.87,"confidence":0.94384766,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.05036347359418869},{"word":"react","start":1054.87,"end":1055.27,"confidence":0.97265625,"punctuated_word":"react","sentiment":"neutral","sentiment_score":0.04624488949775696},{"word":"over","start":1055.27,"end":1055.43,"confidence":0.93115234,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.04749251529574394},{"word":"time","start":1055.43,"end":1055.67,"confidence":0.94873047,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.05645419657230377},{"word":"and","start":1055.67,"end":1055.8301,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06498830020427704},{"word":"we'll","start":1055.8301,"end":1056.0701,"confidence":0.99853516,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06561136245727539},{"word":"keep","start":1056.0701,"end":1056.31,"confidence":0.9941406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.07243777066469193},{"word":"kinda","start":1056.31,"end":1056.55,"confidence":0.95410156,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.0820147693157196},{"word":"reviewing","start":1056.55,"end":1057.03,"confidence":0.9951172,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.07920629531145096},{"word":"that","start":1057.03,"end":1057.1901,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.067713163793087},{"word":"with","start":1057.1901,"end":1057.3501,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07587401568889618},{"word":"you","start":1057.3501,"end":1057.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11794014275074004},{"word":"on","start":1057.51,"end":1057.67,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09637462347745895},{"word":"a","start":1057.67,"end":1057.8301,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10400055348873138},{"word":"regular","start":1057.8301,"end":1058.23,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.09248030930757524},{"word":"basis","start":1058.23,"end":1058.63,"confidence":0.9970703,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.1048433631658554},{"word":"and","start":1058.63,"end":1058.79,"confidence":0.91845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08879051357507706},{"word":"see","start":1058.79,"end":1058.9501,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0904439240694046},{"word":"where","start":1058.9501,"end":1059.1901,"confidence":0.97998047,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.06863581389188766},{"word":"we're","start":1059.1901,"end":1059.3501,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07969991862773895},{"word":"tracking","start":1059.3501,"end":1059.75,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.08212539553642273},{"word":"for","start":1059.75,"end":1060.25,"confidence":0.9916992,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.05646529048681259},{"word":"but","start":1060.63,"end":1060.79,"confidence":0.84887695,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.030989013612270355},{"word":"also","start":1060.79,"end":1061.03,"confidence":0.98291016,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.02003072202205658},{"word":"these","start":1061.03,"end":1061.3501,"confidence":0.9790039,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.04101131856441498},{"word":"investments","start":1061.3501,"end":1061.8501,"confidence":0.9970703,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.032267674803733826},{"word":"you","start":1061.91,"end":1061.99,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05107007175683975},{"word":"know","start":1061.99,"end":1062.15,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.061366043984889984},{"word":"they","start":1062.15,"end":1062.39,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11192889511585236},{"word":"work","start":1062.39,"end":1062.63,"confidence":0.9604492,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.13671466708183289},{"word":"really","start":1062.63,"end":1062.87,"confidence":0.99121094,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.09734869748353958},{"word":"well","start":1062.87,"end":1063.11,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.13263319432735443},{"word":"now","start":1063.11,"end":1063.3501,"confidence":0.9543457,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.09083762764930724},{"word":"but","start":1063.3501,"end":1063.51,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04948018491268158},{"word":"they","start":1063.51,"end":1063.67,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03849593549966812},{"word":"might","start":1063.67,"end":1063.91,"confidence":0.78808594,"punctuated_word":"might,","sentiment":"neutral","sentiment_score":0.022584982216358185},{"word":"in","start":1063.91,"end":1064.0701,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01794547587633133},{"word":"a","start":1064.0701,"end":1064.23,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016833769157528877},{"word":"year","start":1064.23,"end":1064.39,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0279584601521492},{"word":"or","start":1064.39,"end":1064.55,"confidence":0.9741211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.012448828667402267},{"word":"two","start":1064.55,"end":1064.7101,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.01203862577676773},{"word":"or","start":1064.7101,"end":1064.87,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.008103393018245697},{"word":"three's","start":1064.87,"end":1065.1901,"confidence":0.8312988,"punctuated_word":"three's","sentiment":"neutral","sentiment_score":0.024256356060504913},{"word":"time","start":1065.1901,"end":1065.43,"confidence":0.98217773,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.026195751503109932},{"word":"need","start":1065.43,"end":1065.5901,"confidence":0.8925781,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.02985355257987976},{"word":"to","start":1065.5901,"end":1065.75,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.043466005474328995},{"word":"be","start":1065.75,"end":1065.91,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0568009689450264},{"word":"updated","start":1065.91,"end":1066.39,"confidence":0.8317871,"punctuated_word":"updated,","sentiment":"neutral","sentiment_score":0.06890638172626495},{"word":"in","start":1066.39,"end":1066.63,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04345962405204773},{"word":"which","start":1066.63,"end":1066.87,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.046111784875392914},{"word":"case","start":1066.87,"end":1067.11,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.051032904535532},{"word":"we'll","start":1067.11,"end":1067.565,"confidence":0.8654785,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0747707411646843},{"word":"probably","start":1067.725,"end":1067.965,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.107030026614666},{"word":"do","start":1067.965,"end":1068.0049,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08633755892515182},{"word":"a","start":1068.0049,"end":1068.0449,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10125227272510529},{"word":"bit","start":1068.0449,"end":1068.2849,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07646125555038452},{"word":"of","start":1068.2849,"end":1068.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1255820095539093},{"word":"a","start":1068.445,"end":1068.605,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.117475263774395},{"word":"switch","start":1068.605,"end":1068.9249,"confidence":0.9902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.07680853456258774},{"word":"out","start":1068.9249,"end":1069.085,"confidence":0.5317383,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04941106587648392},{"word":"and","start":1069.085,"end":1069.245,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08746957778930664},{"word":"see","start":1069.245,"end":1069.4049,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09712457656860352},{"word":"where","start":1069.4049,"end":1069.6449,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.05563723295927048},{"word":"that","start":1069.6449,"end":1069.8849,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09227730333805084},{"word":"tracks","start":1069.8849,"end":1070.205,"confidence":0.9863281,"punctuated_word":"tracks","sentiment":"neutral","sentiment_score":0.059614554047584534},{"word":"for","start":1070.205,"end":1070.445,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05808388069272041},{"word":"as","start":1070.445,"end":1070.6849,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.061821598559618},{"word":"well","start":1070.6849,"end":1071.1849,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06704733520746231},{"word":"yeah","start":1071.325,"end":1071.825,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05497348308563232},{"word":"beautiful","start":1073.485,"end":1073.985,"confidence":0.96875,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3637687861919403},{"word":"fantastic","start":1075.085,"end":1075.585,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4651165008544922},{"word":"yeah","start":1078.2849,"end":1078.7849,"confidence":0.9074707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03738604858517647},{"word":"that's","start":1079.245,"end":1079.745,"confidence":0.98999023,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.003639847040176392},{"word":"okay","start":1082.22,"end":1082.72,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.24623940885066983},{"word":"fantastic","start":1082.94,"end":1083.44,"confidence":0.9980469,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5126917362213135},{"word":"well","start":1083.58,"end":1084.0599,"confidence":0.99853516,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.3718089461326599},{"word":"i'm","start":1084.0599,"end":1084.2999,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5260259509086609},{"word":"happy","start":1084.2999,"end":1084.62,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6061489582061768},{"word":"to","start":1084.62,"end":1084.7,"confidence":0.95410156,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5671339631080627},{"word":"i'll","start":1084.7799,"end":1085.0199,"confidence":0.9748535,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5258779525756836},{"word":"take","start":1085.0199,"end":1085.2599,"confidence":0.9838867,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.6283343434333801},{"word":"this","start":1085.2599,"end":1085.4199,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.6205385327339172},{"word":"document","start":1085.4199,"end":1085.82,"confidence":0.8564453,"punctuated_word":"document,","sentiment":"positive","sentiment_score":0.532219648361206},{"word":"and","start":1085.82,"end":1085.8999,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.46845290064811707},{"word":"i'll","start":1085.8999,"end":1086.1399,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4900643229484558},{"word":"email","start":1086.1399,"end":1086.38,"confidence":0.9980469,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.5441685318946838},{"word":"it","start":1086.38,"end":1086.46,"confidence":0.63671875,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5148104429244995},{"word":"through","start":1086.46,"end":1086.7,"confidence":0.9921875,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.4918572008609772},{"word":"to","start":1086.7,"end":1086.7799,"confidence":0.97509766,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5190778374671936},{"word":"you","start":1086.7799,"end":1086.86,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5009408593177795},{"word":"now","start":1086.86,"end":1087.0199,"confidence":0.9506836,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.5125359296798706},{"word":"that","start":1087.0199,"end":1087.1799,"confidence":1.0,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.3629595041275024},{"word":"way","start":1087.1799,"end":1087.34,"confidence":0.8474121,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.44026321172714233},{"word":"you","start":1087.34,"end":1087.58,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4534160792827606},{"word":"do","start":1087.58,"end":1087.74,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4156067371368408},{"word":"have","start":1087.74,"end":1087.8999,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4591189920902252},{"word":"a","start":1087.8999,"end":1087.98,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4196881055831909},{"word":"copy","start":1087.98,"end":1088.38,"confidence":1.0,"punctuated_word":"copy","sentiment":"positive","sentiment_score":0.4193289577960968},{"word":"there","start":1088.38,"end":1088.86,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.48792991042137146},{"word":"it","start":1088.86,"end":1089.0199,"confidence":0.55029297,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.38165533542633057},{"word":"is","start":1089.0199,"end":1089.1799,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3659597039222718},{"word":"the","start":1089.1799,"end":1089.34,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37559041380882263},{"word":"one","start":1089.34,"end":1089.5,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3713001608848572},{"word":"that","start":1089.5,"end":1089.6599,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43327000737190247},{"word":"you","start":1089.6599,"end":1089.82,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4455859065055847},{"word":"signed","start":1089.82,"end":1090.1399,"confidence":0.96533203,"punctuated_word":"signed","sentiment":"positive","sentiment_score":0.4138037264347077},{"word":"as","start":1090.1399,"end":1090.22,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4187264740467071},{"word":"well","start":1090.22,"end":1090.46,"confidence":0.89990234,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.45085757970809937},{"word":"so","start":1090.46,"end":1090.62,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4518093466758728},{"word":"you","start":1090.62,"end":1090.7799,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5372744798660278},{"word":"can","start":1090.7799,"end":1090.94,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5365613698959351},{"word":"definitely","start":1090.94,"end":1091.34,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.50615394115448},{"word":"see","start":1091.34,"end":1091.6599,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.6195586323738098},{"word":"everything","start":1091.6599,"end":1092.1599,"confidence":1.0,"punctuated_word":"everything.","sentiment":"positive","sentiment_score":0.5040546655654907},{"word":"let","start":1092.805,"end":1092.9651,"confidence":0.99609375,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.27776944637298584},{"word":"me","start":1092.9651,"end":1093.045,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2927570641040802},{"word":"know","start":1093.045,"end":1093.2051,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.3289519250392914},{"word":"if","start":1093.2051,"end":1093.365,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2970513105392456},{"word":"you","start":1093.365,"end":1093.4451,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3241630792617798},{"word":"do","start":1093.4451,"end":1093.605,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2683652937412262},{"word":"happen","start":1093.605,"end":1093.925,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.29367566108703613},{"word":"to","start":1093.925,"end":1094.0851,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31572970747947693},{"word":"have","start":1094.0851,"end":1094.245,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2701859176158905},{"word":"any","start":1094.245,"end":1094.405,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2355482578277588},{"word":"questions","start":1094.405,"end":1094.905,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.234659343957901},{"word":"there","start":1094.9651,"end":1095.365,"confidence":0.9807129,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2772831916809082},{"word":"and","start":1095.365,"end":1095.765,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19951793551445007},{"word":"are","start":1095.765,"end":1096.005,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14575760066509247},{"word":"you","start":1096.005,"end":1096.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2320488393306732},{"word":"happy","start":1096.245,"end":1096.645,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2246004045009613},{"word":"if","start":1096.645,"end":1096.885,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.27389708161354065},{"word":"i","start":1096.885,"end":1096.9651,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2466953694820404},{"word":"get","start":1096.9651,"end":1097.365,"confidence":0.98583984,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.2637133002281189},{"word":"jack","start":1097.685,"end":1098.005,"confidence":0.9970703,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":0.2447695434093475},{"word":"to","start":1098.005,"end":1098.165,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32164493203163147},{"word":"maybe","start":1098.165,"end":1098.645,"confidence":0.9404297,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":0.22750602662563324},{"word":"organize","start":1099.125,"end":1099.525,"confidence":0.9453125,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.2472672313451767},{"word":"and","start":1099.525,"end":1099.765,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21494294703006744},{"word":"send","start":1099.765,"end":1100.0851,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2603796422481537},{"word":"you","start":1100.0851,"end":1100.485,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24239149689674375},{"word":"the","start":1100.485,"end":1100.725,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24507279694080353},{"word":"bank","start":1100.725,"end":1101.125,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"positive","sentiment_score":0.3380606174468994},{"word":"the","start":1101.4451,"end":1101.605,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2561858594417572},{"word":"the","start":1101.605,"end":1101.765,"confidence":0.8305664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24388571083545685},{"word":"details","start":1101.765,"end":1102.165,"confidence":0.9580078,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.2762496769428253},{"word":"to","start":1102.165,"end":1102.3251,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2494489550590515},{"word":"have","start":1102.3251,"end":1102.5651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2602898180484772},{"word":"the","start":1102.5651,"end":1102.725,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27686429023742676},{"word":"transfer","start":1102.725,"end":1103.2051,"confidence":0.99609375,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.2615599036216736},{"word":"done","start":1103.2051,"end":1103.4451,"confidence":0.9970703,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.22688451409339905},{"word":"in","start":1103.4451,"end":1103.685,"confidence":0.9321289,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.21367058157920835},{"word":"or","start":1103.685,"end":1103.845,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14108611643314362},{"word":"did","start":1103.845,"end":1104.005,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.11635306477546692},{"word":"you","start":1104.005,"end":1104.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13879750669002533},{"word":"wanna","start":1104.165,"end":1104.485,"confidence":0.984375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1700605750083923},{"word":"set","start":1104.485,"end":1104.645,"confidence":0.9970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.1983124613761902},{"word":"it","start":1104.645,"end":1104.805,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17183369398117063},{"word":"up","start":1104.805,"end":1104.9651,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15356850624084473},{"word":"direct","start":1104.9651,"end":1105.285,"confidence":0.95703125,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.14363233745098114},{"word":"debit","start":1105.285,"end":1105.74,"confidence":0.9897461,"punctuated_word":"debit?","sentiment":"neutral","sentiment_score":0.14423203468322754},{"word":"how","start":1105.98,"end":1106.14,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.04881168156862259},{"word":"would","start":1106.14,"end":1106.22,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05921587347984314},{"word":"you","start":1106.22,"end":1106.46,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06354440748691559},{"word":"like","start":1106.46,"end":1106.7,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06743677705526352},{"word":"to","start":1106.7,"end":1106.94,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07296933978796005},{"word":"kind","start":1106.94,"end":1107.1,"confidence":0.96777344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07261848449707031},{"word":"of","start":1107.1,"end":1107.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07378090918064117},{"word":"proceed","start":1107.26,"end":1107.58,"confidence":0.9892578,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.08571895211935043},{"word":"with","start":1107.58,"end":1107.82,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07482130080461502},{"word":"the","start":1107.82,"end":1108.0599,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0736519917845726},{"word":"deposits","start":1108.0599,"end":1108.5599,"confidence":0.9970703,"punctuated_word":"deposits?","sentiment":"neutral","sentiment_score":0.07034245133399963},{"word":"okay","start":1116.94,"end":1117.44,"confidence":0.99316406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06758318096399307},{"word":"yep","start":1126.695,"end":1127.015,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19804434478282928},{"word":"beautiful","start":1127.015,"end":1127.515,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.41227075457572937},{"word":"not","start":1127.575,"end":1127.735,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.31041809916496277},{"word":"a","start":1127.735,"end":1127.895,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27405601739883423},{"word":"problem","start":1127.895,"end":1128.135,"confidence":0.9980469,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.3373578190803528},{"word":"at","start":1128.135,"end":1128.295,"confidence":0.6665039,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1963503062725067},{"word":"all","start":1128.295,"end":1128.455,"confidence":0.9975586,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.27897605299949646},{"word":"i'll","start":1128.455,"end":1128.615,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3167489171028137},{"word":"let","start":1128.615,"end":1128.775,"confidence":0.9902344,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.34203892946243286},{"word":"jack","start":1128.775,"end":1129.015,"confidence":0.9716797,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":0.28330355882644653},{"word":"know","start":1129.015,"end":1129.1749,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3558225631713867},{"word":"that","start":1129.1749,"end":1129.335,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.356362521648407},{"word":"we've","start":1129.335,"end":1129.575,"confidence":0.9399414,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.3773636817932129},{"word":"spoken","start":1129.575,"end":1130.075,"confidence":0.9736328,"punctuated_word":"spoken,","sentiment":"positive","sentiment_score":0.400386244058609},{"word":"that","start":1130.375,"end":1130.535,"confidence":0.60791016,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4372837245464325},{"word":"you're","start":1130.535,"end":1130.775,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4727652966976166},{"word":"happy","start":1130.775,"end":1131.015,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4822429418563843},{"word":"to","start":1131.015,"end":1131.1749,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5217923521995544},{"word":"proceed","start":1131.1749,"end":1131.575,"confidence":0.91259766,"punctuated_word":"proceed,","sentiment":"positive","sentiment_score":0.4736766815185547},{"word":"and","start":1131.575,"end":1131.735,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4325165450572967},{"word":"i'll","start":1131.735,"end":1131.895,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3822396695613861},{"word":"get","start":1131.895,"end":1132.135,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3542865216732025},{"word":"him","start":1132.135,"end":1132.295,"confidence":1.0,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.2901017367839813},{"word":"just","start":1132.295,"end":1132.535,"confidence":0.9819336,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3874291479587555},{"word":"to","start":1132.535,"end":1132.695,"confidence":0.97802734,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3424604833126068},{"word":"follow-up","start":1132.695,"end":1133.195,"confidence":0.9733887,"punctuated_word":"follow-up,","sentiment":"neutral","sentiment_score":0.32078397274017334},{"word":"let","start":1133.55,"end":1133.7101,"confidence":0.9980469,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.37460294365882874},{"word":"you","start":1133.7101,"end":1133.79,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3249432146549225},{"word":"know","start":1133.79,"end":1134.03,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3366066515445709},{"word":"if","start":1134.03,"end":1134.27,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.30488449335098267},{"word":"there's","start":1134.27,"end":1134.43,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2676737904548645},{"word":"anything","start":1134.43,"end":1134.75,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.28134238719940186},{"word":"else","start":1134.75,"end":1134.9901,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.2695466876029968},{"word":"that","start":1134.9901,"end":1135.0701,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2118228375911713},{"word":"needs","start":1135.0701,"end":1135.23,"confidence":1.0,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.2433694005012512},{"word":"to","start":1135.23,"end":1135.39,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27780431509017944},{"word":"be","start":1135.39,"end":1135.63,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.263464093208313},{"word":"signed","start":1135.63,"end":1136.03,"confidence":1.0,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.26495909690856934},{"word":"and","start":1136.03,"end":1136.27,"confidence":0.7182617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30656540393829346},{"word":"to","start":1136.27,"end":1136.3501,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.359887033700943},{"word":"have","start":1136.3501,"end":1136.5901,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3457491397857666},{"word":"that","start":1136.5901,"end":1136.8301,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3783248960971832},{"word":"deposit","start":1136.8301,"end":1137.31,"confidence":0.99902344,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.292011022567749},{"word":"organized","start":1137.31,"end":1137.7101,"confidence":0.9921875,"punctuated_word":"organized","sentiment":"positive","sentiment_score":0.35488009452819824},{"word":"there","start":1137.7101,"end":1137.9501,"confidence":0.98828125,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3442288935184479},{"word":"for","start":1137.9501,"end":1138.1101,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3698059320449829},{"word":"you","start":1138.1101,"end":1138.27,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.24143412709236145},{"word":"is","start":1138.27,"end":1138.43,"confidence":0.99609375,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1785006821155548},{"word":"that","start":1138.43,"end":1138.5901,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23661014437675476},{"word":"okay","start":1138.5901,"end":1139.0901,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.15030768513679504},{"word":"yep","start":1140.8301,"end":1141.31,"confidence":0.7883301,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.48485490679740906},{"word":"let","start":1141.31,"end":1141.63,"confidence":0.4597168,"punctuated_word":"Let","sentiment":"positive","sentiment_score":0.7236407995223999},{"word":"him","start":1141.63,"end":1141.79,"confidence":0.40454102,"punctuated_word":"him","sentiment":"positive","sentiment_score":0.6871406435966492},{"word":"thank","start":1141.79,"end":1142.03,"confidence":0.29711914,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.8019341826438904},{"word":"you","start":1142.03,"end":1142.27,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8567897081375122},{"word":"so","start":1142.27,"end":1142.51,"confidence":0.9970703,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8368837833404541},{"word":"much","start":1142.51,"end":1142.75,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8957807421684265},{"word":"for","start":1142.75,"end":1142.91,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8841601014137268},{"word":"that","start":1142.91,"end":1143.15,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.8446284532546997},{"word":"do","start":1143.15,"end":1143.31,"confidence":1.0,"punctuated_word":"Do","sentiment":"positive","sentiment_score":0.42667239904403687},{"word":"you","start":1143.31,"end":1143.39,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4311941266059875},{"word":"have","start":1143.39,"end":1143.63,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3076014220714569},{"word":"any","start":1143.63,"end":1143.79,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2185172289609909},{"word":"other","start":1143.79,"end":1144.03,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.25067761540412903},{"word":"questions","start":1144.03,"end":1144.51,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.172823965549469},{"word":"or","start":1144.51,"end":1144.67,"confidence":0.984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.24237510561943057},{"word":"anything","start":1144.67,"end":1144.9901,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.21805888414382937},{"word":"else","start":1144.9901,"end":1145.15,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.282321572303772},{"word":"you","start":1145.15,"end":1145.31,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22937369346618652},{"word":"need","start":1145.31,"end":1145.4701,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.2367532104253769},{"word":"from","start":1145.4701,"end":1145.63,"confidence":0.74365234,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.20880825817584991},{"word":"me","start":1145.63,"end":1145.79,"confidence":0.98291016,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.26935437321662903},{"word":"at","start":1145.79,"end":1145.8701,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2115432471036911},{"word":"the","start":1145.8701,"end":1146.03,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34268918633461},{"word":"moment","start":1146.03,"end":1146.43,"confidence":0.99902344,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.2263340950012207},{"word":"at","start":1146.43,"end":1146.5901,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2651582360267639},{"word":"all","start":1146.5901,"end":1146.75,"confidence":0.9975586,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.30302995443344116},{"word":"you're","start":1146.75,"end":1146.91,"confidence":1.0,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.3196215033531189},{"word":"welcome","start":1146.91,"end":1147.39,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.4752275943756103},{"word":"to","start":1147.39,"end":1147.63,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35260075330734253},{"word":"ask","start":1147.63,"end":1147.8701,"confidence":0.9980469,"punctuated_word":"ask","sentiment":"positive","sentiment_score":0.3587086498737335},{"word":"me","start":1147.8701,"end":1147.9501,"confidence":0.9716797,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3333728313446045},{"word":"anything","start":1147.9501,"end":1148.3501,"confidence":1.0,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.367748886346817},{"word":"you","start":1148.3501,"end":1148.51,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31381431221961975},{"word":"like","start":1148.51,"end":1148.745,"confidence":0.9951172,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.21287187933921817},{"word":"no","start":1158.025,"end":1158.265,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11055150628089903},{"word":"that's","start":1158.265,"end":1158.505,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12560848891735077},{"word":"okay","start":1158.505,"end":1159.005,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.12026023864746094},{"word":"i'm","start":1159.065,"end":1159.225,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2583697438240051},{"word":"just","start":1159.225,"end":1159.545,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20672044157981873},{"word":"emailing","start":1159.545,"end":1159.945,"confidence":1.0,"punctuated_word":"emailing","sentiment":"neutral","sentiment_score":0.2392871230840683},{"word":"you","start":1159.945,"end":1160.105,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2961370646953583},{"word":"the","start":1160.105,"end":1160.1849,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2156573235988617},{"word":"document","start":1160.1849,"end":1160.665,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.27116620540618896},{"word":"now","start":1160.665,"end":1160.905,"confidence":0.8605957,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.24986158311367035},{"word":"so","start":1160.905,"end":1161.065,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.24978424608707428},{"word":"it","start":1161.065,"end":1161.225,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3642106354236603},{"word":"should","start":1161.225,"end":1161.465,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.40934962034225464},{"word":"come","start":1161.465,"end":1161.705,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.3537205457687378},{"word":"through","start":1161.705,"end":1161.945,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.32434093952178955},{"word":"very","start":1161.945,"end":1162.1849,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.368041068315506},{"word":"shortly","start":1162.1849,"end":1162.6849,"confidence":0.88061523,"punctuated_word":"shortly.","sentiment":"neutral","sentiment_score":0.3150036931037903},{"word":"when","start":1163.02,"end":1163.26,"confidence":0.98535156,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.30283123254776},{"word":"you","start":1163.26,"end":1163.34,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42758822441101074},{"word":"do","start":1163.34,"end":1163.5,"confidence":0.8984375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2236834168434143},{"word":"get","start":1163.5,"end":1163.74,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.33644989132881165},{"word":"a","start":1163.74,"end":1163.82,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3707275390625},{"word":"hold","start":1163.82,"end":1163.98,"confidence":0.66552734,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.31299084424972534},{"word":"of","start":1163.98,"end":1164.0599,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3947097957134247},{"word":"it","start":1164.0599,"end":1164.2999,"confidence":0.99902344,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.30792397260665894},{"word":"you're","start":1164.2999,"end":1164.46,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3855453133583069},{"word":"welcome","start":1164.46,"end":1164.7,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.5069341659545898},{"word":"to","start":1164.7,"end":1164.86,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5458242893218994},{"word":"run","start":1164.86,"end":1165.1,"confidence":1.0,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.4803234934806824},{"word":"your","start":1165.1,"end":1165.26,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.46258407831192017},{"word":"eyes","start":1165.26,"end":1165.5,"confidence":1.0,"punctuated_word":"eyes","sentiment":"positive","sentiment_score":0.5357856154441833},{"word":"over","start":1165.5,"end":1165.66,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5853461623191833},{"word":"it","start":1165.66,"end":1166.16,"confidence":0.8444824,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.3903239667415619},{"word":"and","start":1166.46,"end":1166.54,"confidence":0.93359375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4063607156276703},{"word":"i'll","start":1166.54,"end":1166.78,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5164220333099365},{"word":"let","start":1166.78,"end":1166.94,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.5140960216522217},{"word":"jack","start":1166.94,"end":1167.1799,"confidence":0.9790039,"punctuated_word":"Jack","sentiment":"positive","sentiment_score":0.4367589354515076},{"word":"know","start":1167.1799,"end":1167.34,"confidence":0.9980469,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.47235187888145447},{"word":"that","start":1167.34,"end":1167.42,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5052924752235413},{"word":"you're","start":1167.42,"end":1167.58,"confidence":0.9941406,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5447036027908325},{"word":"happy","start":1167.58,"end":1167.82,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.577071487903595},{"word":"to","start":1167.82,"end":1167.98,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5792729258537292},{"word":"proceed","start":1167.98,"end":1168.2999,"confidence":1.0,"punctuated_word":"proceed","sentiment":"positive","sentiment_score":0.5741746425628662},{"word":"and","start":1168.2999,"end":1168.38,"confidence":0.91748047,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5221064686775208},{"word":"move","start":1168.38,"end":1168.62,"confidence":0.99902344,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.6524971723556519},{"word":"forward","start":1168.62,"end":1168.94,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.6353327631950378},{"word":"with","start":1168.94,"end":1169.02,"confidence":0.95703125,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6031805276870728},{"word":"that","start":1169.02,"end":1169.42,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4429185390472412},{"word":"okay","start":1169.42,"end":1169.92,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5439279079437256},{"word":"my","start":1172.2999,"end":1172.46,"confidence":0.9941406,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.8657704591751099},{"word":"pleasure","start":1172.46,"end":1172.94,"confidence":0.99902344,"punctuated_word":"pleasure,","sentiment":"positive","sentiment_score":0.8915448188781738},{"word":"jack","start":1172.94,"end":1173.1799,"confidence":0.9995117,"punctuated_word":"Jack.","sentiment":"positive","sentiment_score":0.8335569500923157},{"word":"i","start":1173.1799,"end":1173.26,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8854235410690308},{"word":"hope","start":1173.26,"end":1173.5,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.8731864094734192},{"word":"you","start":1173.5,"end":1173.58,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8609806895256042},{"word":"have","start":1173.58,"end":1173.82,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.8237312436103821},{"word":"a","start":1173.82,"end":1173.9,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8306275010108948},{"word":"great","start":1173.9,"end":1174.14,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.866599440574646},{"word":"day","start":1174.14,"end":1174.64,"confidence":0.9995117,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.8206008672714233},{"word":"thanks","start":1176.94,"end":1177.26,"confidence":0.6035156,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.5268800854682922},{"word":"for","start":1177.26,"end":1177.5,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4334850311279297},{"word":"taking","start":1177.5,"end":1177.82,"confidence":1.0,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.6022522449493408},{"word":"my","start":1177.82,"end":1178.1869,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.09824791550636292},{"word":"call","start":1178.2668,"end":1178.6669,"confidence":0.9890137,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.3130844831466675},{"word":"will","start":1178.6669,"end":1178.9069,"confidence":0.92089844,"punctuated_word":"Will","sentiment":"positive","sentiment_score":0.413287878036499},{"word":"do","start":1178.9069,"end":1179.2269,"confidence":0.99658203,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.4375690519809723},{"word":"thank","start":1179.2269,"end":1179.4669,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7327009439468384},{"word":"you","start":1179.4669,"end":1179.6268,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7976524829864502},{"word":"so","start":1179.6268,"end":1179.7869,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7812716364860535},{"word":"much","start":1179.7869,"end":1180.0269,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7842254638671875},{"word":"i'll","start":1180.0269,"end":1180.1869,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.37043261528015137},{"word":"talk","start":1180.1869,"end":1180.4269,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.4702579081058502},{"word":"to","start":1180.4269,"end":1180.5068,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4619915187358856},{"word":"you","start":1180.5068,"end":1180.5869,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4434207081794739},{"word":"soon","start":1180.5869,"end":1180.9869,"confidence":0.9970703,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.37611526250839233},{"word":"see","start":1180.9869,"end":1181.1469,"confidence":0.99316406,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.30975639820098877},{"word":"you","start":1181.1469,"end":1181.3069,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3788760006427765},{"word":"later","start":1181.3069,"end":1181.8069,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.3410501480102539},{"word":"bye","start":1183.3069,"end":1183.8069,"confidence":0.98706055,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10702979564666748}],"paragraphs":{"transcript":"\nHi, Jack. It's Dana from Oakley Financial. How are you this afternoon? I'm very well. Thank you.\n\nHow's everything been going for yourself at the moment? Fantastic. I sorry. Yep. Yep.\n\nWorking hard as always. Excellent. Jack, I had you booked in just for a bit of a quick catch up in relation to the investment account that we had provided advice on earlier in the year. Is now still a good time there for you? Fantastic.\n\nAnd just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. And just to do a quick security check, just because I am discussing your personal information, if I can get you to confirm your full name, your date of birth, and address I should have on file? Yeah.\n\nYep. Beautiful. Thank you. Yep. Beautiful.\n\nI'm just double checking. So your address you have was to what was the street address? Yes. So sorry. My phone cut out.\n\nI couldn't quite hear what you said. My apologies. Just making sure I had it correctly. Thank you so much for that. All good.\n\nJack, so my colleague Jack has booked you in just to kind of have a bit a catch up. He may have mentioned that we'd obviously hold off on that investment account because you'd purchased the other property there. You had a lot going on at the time, but he may have mentioned to me that you are wanting to maybe proceed with that now. Is that right, or how are your thoughts going with regards to the investment account? Yeah.\n\nYep. That's okay. So just sort of going back over the recommendation just to sort of reconfigure it, and I'm more than happy to email you a copy of the advice document again just so you're able to kinda run your eyes back over it. But, essentially, it was establishing a Hub twenty four investment account, a personal investment account within Hub twenty four there. We can link that to your super there as well.\n\nThat way, everything is linked in the back end, and it can help to reduce fees and things like that in the back end as well. The initial deposit that you were comfortable with at the time was about 25,000. Are you still comfortable with that initial deposit going in? Yep. That's okay.\n\nAnd then it was a regular investment of $400 on a monthly basis debited into the account for dollar cost averaging. Are you still fairly comfortable with that amount? Yeah. Beautiful. One of the things he may have mentioned to me was that you were just wanting to kind of reevaluate the investment, the investments within the portfolio.\n\nIt was recommended as well to make sure that they were still appropriate. Is that correct? Mhmm. Yep. Yeah.\n\nYeah. Yeah. Correct. Yep. So, essentially, we were looking at the balanced growth environment.\n\nSo that technically sees or generally sees around about 70% of your investment funds invested in growth assets. So you're still looking at things like Australian and international shares, listed property, and also commodities like gold and silver, and then having defensive investments around about 30% invested there. So it is a lower risk profile than what you have in your super, but I do tend to find that when we talk about personal investments, we wanna be a less risky in those sorts of areas just because we're super. We can't access that money until, essentially, the age of 60 at the earliest possible point so far. So with money that is in our personal name, that tends to be something we wanna take a bit less risk on because we can access those funds if we need to and withdraw them at an earlier point if we need to as well.\n\nDoes that still feel like it's in your comfort level there? Yeah. Yeah. Beautiful. We're just sort of running my eyes over the investments recommended.\n\nSo we'd see about 4% invested in cybersecurity. We're still recommending cybersecurity in our portfolios, and it is still a great place to be. This beta share of cybersecurity is still giving you global exposure, so it is global cybersecurity there as well. We still see 7% in the European exposure with the iShares Europe ETF, and that is still good. It is still giving you exposure to all 16 European countries, so diversification there.\n\nAnd we're still seeing some good growth out of that area. This also does see about 3% invested in the Japanese ETF as well. With everything it has gone on over the past few months with the Iraq so the Iran and the US war, plus the ups and downs we've seen in the market this year, Japan is still a good place to be invested. I know the Japanese actually looked after their citizens very well. They had a nice stockpile of a few ready to go, and they were one of the best well prepared countries for what we just went through.\n\nSo it is still a really good place to be invested there. And then we do also have the Vanguard All World ex US ETF, which is giving you the A. We would see 7% invested in that investment. Again, we're looking at diversification. So, essentially, spreading the risk of across the entire globe, which is appropriate for lowering as much risk as market risk as much as possible, but also making sure we're providing getting growth from as many different countries as possible.\n\nWe would also then see, because that investment doesn't include The United States Of America, the S and P 500, which is giving you exposure to the top 500 companies in The US. As much as we still have seen the ups and downs in the market there, it is still appropriate to be invested in that area. We have still seen some really good growth, and even with everything they've gone through, The US is still providing good returns. So we've would be investing 25% in there. And then we've also got the beta shares Australian 200, so giving you exposure to the top 200 companies on the ASX.\n\nAnd that's a more of a passively managed fund, which is great. We're still seeing good returns from that investment, and we'd hold about 20% on the Australian market there. And then we'd also have about 10% sitting in a global physical gold, so giving you exposure to physical gold, which is a growth asset, but it's also defensive in nature. So gold is it always gets growth. We all love a little bit of gold.\n\nBut then whenever equities have a bit of a downtime, just people tend to use gold as a bit of a safe haven. So it can act defensively when it needs to as well, which is great. And then we've just got the defensive investments within this sort of portfolio. So core composite bonds giving you exposure to the bonds within associate government and corporate bonds. It's also giving you exposure to physical notes and other bank notes and fixed interest across the globe as well.\n\nSo it is a good investment to still have in there. BetaShares Bank Hybrid, that one is still appropriate for the time being down the track that may be worth removing out. But at the moment, it's it's seen as a defensive asset, but it it does get really good growth as well. So it is still fairly appropriate to have in the portfolio currently there. Did you feel like any of those would need to be sorta changed out?\n\nDo you have any concerns about any of those investments or any questions at all? Yeah. Yeah. No. That sounds okay.\n\nOf course. Mhmm. Yeah. Yeah. Yeah.\n\nAbsolutely. So all those investments are ETFs, so they do all pay out dividends and income as well as as well as getting growth. So those dividends will be paid out to your cash account within the investment, and we'll have those reinvested back into the portfolio for compounding effects. So, yeah, dividends are absolutely something we'd like to consider. When we look at a portfolio, we wanna make sure you're getting both growth and income out of that.\n\nThe other thing I just like to make sure you are aware, and then you invested in your own name as well anyways, so you're probably aware of the tax side of things. But every year, at the end of the tax year, you will get a tax statement for the investment portfolio, and that will outline all the information that your account needs to include in your tax return there for you as well. So growth income, any overseas income that's being paid out that needs to kind of be, you know, accounted for, any deductions that, you know, within the funds that that can be accounted for as well. All that is provided in a tax statement at the end of the year, and that just gets given to your accountant and they can include that in your personal tax return as well. Okay?\n\nYep. Beautiful. The only other thing to sort of make mention was, obviously, with this one here, we essentially did have the ongoing remuneration side of things. So we do charge 1.10% from the investment account based on the the advice and what we had sort of looked at. This year, we're expecting $313 to be paid from that account.\n\nThat's for looking after the investment account, and that only ever gets charged when the money goes in. So once the money goes into the investment account, then we start charging the ongoing service fee for that, and we'll review that with you on a yearly basis the same as we will with your super as well. But do you have any questions in relation to any of that? Is there any concerns at all? Or Yeah.\n\nYep. That's so when we kind of had the projected outcome, we were looking at so the the balanced growth portfolio at the time had a five year rolling average of around about sort of 16.55%. Obviously, I don't expect you to get that percent every year because markets do go up and down. But, essentially, what we are sort of looking for between the balanced growth environment, we are sort of wanting around about six to 8% on a yearly basis and having that compounded forward. So if you can get in between that sort of six to 8% every year and compounding that over time, that provides you with a really good rate of return and a good amount of growth.\n\nHowever, in that balanced growth environment, we do expect a negative year to be likely around about whenever every six years or so. So there will be a time when maybe the investment doesn't perform as well or there there there is a negative return or the returns are a bit lower than expected, and that's just due to normal market volatility. But we will kinda go through things with you each year and revisit the portfolio and update and make changes when we need to as well if that helps. Yeah. So this portfolio, the last time I mean, we've had a few downs this year as well.\n\nSo the market around about sort of a March to April, we saw between a two to 3% dip in the market with what was happening. But since then, the market has come out and actually showing really good growth, and we are still seeing positive returns from that. Other than that, '22 and '23, we saw quite a bit of up and down. And then late last year in 2025, we also had pretty heavy dip with the tariffs that was going into place. So, realistically, overall, these portfolios haven't really had just thinking the last proper negative year was at least about three years ago.\n\nSince then, every year, we have sort of generated positive returns overall, although the positive returns may have been a little bit lower than expected with the amount of volatility in the market. So, realistically, if this sort of portfolio can generate you know, can show by research as average 16.55% over the past five years, even with the amount of volatility that we have gone through and seen in the past five years, then it sort of shows you that this portfolio has withstood those ups and downs, and it can generate those kinds of returns moving forward if given the same market conditions in the past. Realistically, I just wanna make sure you are getting at least that to 8% on a yearly basis, but it is an expectation that markets will go up and will go down. And, look, I can tell you what what I have seen in the past and where the volatility has kinda hit and what kind of average returns we've seen, but it also comes down to what happens with it moving forward. So just making sure that we do put the sorry.\n\nJust making sure that we do obviously put the the the money in on a regular basis, the dollar cost averaging even through the down times. When the market aren't performing really well, I do find a lot of people ringing and go, hey. I wanna kinda stop those contributions going in. But in all honesty, that's the best time. If you do see a bit of a market dip, we do have a bit of a downtime.\n\nJust keep that money going into the portfolio. Take advantage of that, and you'll buy more units to those investments. Everyone always says, you know, buy low, sell high, but it is the hardest time to convince yourself to do it. But if you ring me, I'll be telling you to keep going and keep buying, keep investing, and take advantage of those downtimes because in all honesty, that's what I do. I see a downtime, and I get a little bit excited.\n\nSo it gives it's essentially just a bit of a buying opportunity. And the other thing is these investments have always stood those ups and downs. They've been through times like COVID and the GFC, and they've withstood that. So we wanna make sure that you're in quality investments that are being through the ups and downs that can withstand that and that you're in a in a environment that you're comfortable with as well. But I'm more than happy to send this through to you as well if you like just so you can run your eyes over that one.\n\nYou can have a bit of a look at it, and let me know if there are any additional questions there at all. Of course. That's okay. Yes. Mhmm.\n\nIt's really hard to kinda tell you that answer just because when we're looking at growth, we're looking at the overall, so income plus growth. The research we get, unfortunately, doesn't break down income aside from growth, and dividends change. So, essentially, the ETFs every couple of months, a lot of the Vanguard and iShares ETFs pay dividends on a biannually or quarterly basis, and they actually all come out a few a few weeks prior to the dividend period to say how much they're gonna pay in dividends. So those dividends do change on a regular basis. You tend to get a few cents or a few dollars per share.\n\nSo it is very hard to kinda confirm that for you just because it's it is up to the investment company at the time that the dividends are due. But what I'd be probably looking at trying to do for you is just to kinda look get it started for the first year, have a really good look at it. We could maybe touch base in six months' time and see where things are tracking and then do a full year kind of review of things, see if there's any changes that needs to be made, look at what the income is that's being generated on a regular basis for you just with the projection table. And I know this is just a projection table, but that does look at the but that does look at the expected with the five year rolling average and the fees there, that over the next sort of five years, you could end up with about 73,000 sitting in super by considering the growth, the income, and the additional cost of having the investment account open. So that is the projected outcome over the next five years.\n\nWe can definitely review that to see whether you're on track for that or whether changes need to be made, but I am really sorry, Jack. I can't break down the income expectation away from the growth. I'd love to be able to do that, but if I could do that, I could probably, you know, be just day trading myself. It wouldn't have to work. Yeah.\n\nNo. Definitely. I mean, you guys have got another baby coming, don't you? Yeah. Congratulations on that as well.\n\nAbsolutely. No. That's okay. That's not a problem. Did you want me to re email the document through to you so you can run your eyes over it?\n\nHow would you like to proceed? And do you have any other questions at all? Yeah. Yep. Yeah.\n\nCorrect. Yes. So starting with that 25 and then dollar cost averaging that $100 per week or essentially 4,800 over the course of the year. It is also not limited to that. If you find you have some extra money you wanna whack in there at any point, you can.\n\nUnlike your sleep, you're not limited with your personal investment account. So you can be putting in more if you want to at any point in time. But, yeah, just for the projected outcome, that's what we kinda have projected with the advice document. But it does come down to how markets react over time, and we'll keep kinda reviewing that with you on a regular basis and see where we're tracking for. But, also, these investments, you know, they work really well now, but they might, in a year or two or three's time, need to be updated, in which case we'll probably do a bit of a switch out and see where that tracks for as well.\n\nYeah. Beautiful. Fantastic. Yeah. That's okay.\n\nFantastic. Well, I'm happy to I'll take this document, and I'll email it through to you now. That way, you do have a copy there. It is the one that you signed as well, so you can definitely see everything. Let me know if you do happen to have any questions there.\n\nAnd are you happy if I get, Jack to maybe, organize and send you the bank the the details to have the transfer done in, or did you wanna set it up direct debit? How would you like to kind of proceed with the deposits? Okay. Yep. Beautiful.\n\nNot a problem at all. I'll let Jack know that we've spoken, that you're happy to proceed, and I'll get him just to follow-up, let you know if there's anything else that needs to be signed and to have that deposit organized there for you. Is that okay? Yep. Let him thank you so much for that.\n\nDo you have any other questions or anything else you need from me at the moment at all? You're welcome to ask me anything you like. No. That's okay. I'm just emailing you the document now, so it should come through very shortly.\n\nWhen you do get a hold of it, you're welcome to run your eyes over it, and I'll let Jack know that you're happy to proceed and move forward with that. Okay. My pleasure, Jack. I hope you have a great day. Thanks for taking my call.\n\nWill do. Thank you so much. I'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jack.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.20048632472753525},{"text":"It's Dana from Oakley Financial.","start":3.1999998,"end":4.9,"sentiment":"neutral","sentiment_score":0.22841846346855163},{"text":"How are you this afternoon?","start":4.96,"end":6.1,"sentiment":"neutral","sentiment_score":0.29565314650535585},{"text":"I'm very well.","start":7.7599998,"end":8.72,"sentiment":"positive","sentiment_score":0.662377119064331},{"text":"Thank you.","start":8.72,"end":9.28,"sentiment":"positive","sentiment_score":0.698027640581131}],"sentiment":"positive","sentiment_score":0.3767363139811684,"num_words":17,"start":2.6399999,"end":9.28},{"sentences":[{"text":"How's everything been going for yourself at the moment?","start":9.28,"end":11.94,"sentiment":"positive","sentiment_score":0.3365943133831024},{"text":"Fantastic.","start":14.16,"end":14.66,"sentiment":"positive","sentiment_score":0.5315548777580261},{"text":"I sorry.","start":14.96,"end":18.075,"sentiment":"neutral","sentiment_score":0.04003381729125975},{"text":"Yep.","start":19.415,"end":19.915,"sentiment":"neutral","sentiment_score":0.05232170224189758},{"text":"Yep.","start":20.295,"end":20.795,"sentiment":"neutral","sentiment_score":0.1000170037150383}],"sentiment":"neutral","sentiment_score":0.2709507170532431,"num_words":14,"start":9.28,"end":20.795},{"sentences":[{"text":"Working hard as always.","start":21.015,"end":22.315,"sentiment":"positive","sentiment_score":0.3696717321872711},{"text":"Excellent.","start":24.215,"end":24.715,"sentiment":"positive","sentiment_score":0.5516144037246704},{"text":"Jack, I had you booked in just for a bit of a quick catch up in relation to the investment account that we had provided advice on earlier in the year.","start":25.015,"end":31.380001,"sentiment":"neutral","sentiment_score":0.24495608383609402},{"text":"Is now still a good time there for you?","start":31.380001,"end":33.3,"sentiment":"neutral","sentiment_score":0.28897204664018417},{"text":"Fantastic.","start":33.3,"end":33.8,"sentiment":"positive","sentiment_score":0.46178263425827026}],"sentiment":"neutral","sentiment_score":0.27579284750896954,"num_words":46,"start":21.015,"end":33.8},{"sentences":[{"text":"And just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":35.62,"end":40.34,"sentiment":"neutral","sentiment_score":0.18642190811426743},{"text":"Are you happy for me to proceed with that moving forward?","start":40.34,"end":43.0,"sentiment":"positive","sentiment_score":0.34511159089478577},{"text":"Fantastic.","start":44.525,"end":45.005,"sentiment":"positive","sentiment_score":0.4254904985427856},{"text":"And just to do a quick security check, just because I am discussing your personal information, if I can get you to confirm your full name, your date of birth, and address I should have on file?","start":45.005,"end":52.625,"sentiment":"neutral","sentiment_score":0.16270396536266482},{"text":"Yeah.","start":56.845,"end":57.3,"sentiment":"neutral","sentiment_score":0.018707487732172012}],"sentiment":"neutral","sentiment_score":0.19929008344060753,"num_words":73,"start":35.62,"end":57.3},{"sentences":[{"text":"Yep.","start":59.219997,"end":59.719997,"sentiment":"neutral","sentiment_score":0.021100427955389023},{"text":"Beautiful.","start":61.94,"end":62.44,"sentiment":"neutral","sentiment_score":0.32510554790496826},{"text":"Thank you.","start":62.579998,"end":63.399998,"sentiment":"positive","sentiment_score":0.3415130078792572},{"text":"Yep.","start":64.34,"end":64.82,"sentiment":"neutral","sentiment_score":0.14842261373996735},{"text":"Beautiful.","start":64.82,"end":65.32,"sentiment":"neutral","sentiment_score":0.2329084873199463}],"sentiment":"neutral","sentiment_score":0.23509384877979755,"num_words":6,"start":59.219997,"end":65.32},{"sentences":[{"text":"I'm just double checking.","start":65.54,"end":66.58,"sentiment":"neutral","sentiment_score":0.08609644323587418},{"text":"So your address you have was to what was the street address?","start":66.58,"end":73.635,"sentiment":"neutral","sentiment_score":0.033915760926902294},{"text":"Yes.","start":75.535,"end":75.935,"sentiment":"neutral","sentiment_score":0.005368763580918312},{"text":"So sorry.","start":75.935,"end":76.575,"sentiment":"neutral","sentiment_score":-0.09664388746023178},{"text":"My phone cut out.","start":76.575,"end":77.375,"sentiment":"neutral","sentiment_score":-0.2446226216852665}],"sentiment":"neutral","sentiment_score":-0.01804498234844726,"num_words":23,"start":65.54,"end":77.375},{"sentences":[{"text":"I couldn't quite hear what you said.","start":77.375,"end":78.895004,"sentiment":"neutral","sentiment_score":-0.21520312343324935},{"text":"My apologies.","start":78.895004,"end":79.535,"sentiment":"neutral","sentiment_score":-0.23291151225566864},{"text":"Just making sure I had it correctly.","start":79.535,"end":80.975,"sentiment":"neutral","sentiment_score":-0.04904394383941378},{"text":"Thank you so much for that.","start":80.975,"end":82.515,"sentiment":"positive","sentiment_score":0.48206479847431183},{"text":"All good.","start":82.655,"end":83.395004,"sentiment":"neutral","sentiment_score":0.3190597891807556}],"sentiment":"neutral","sentiment_score":0.05062316140780846,"num_words":24,"start":77.375,"end":83.395004},{"sentences":[{"text":"Jack, so my colleague Jack has booked you in just to kind of have a bit a catch up.","start":83.695,"end":87.71,"sentiment":"neutral","sentiment_score":0.04951245161263566},{"text":"He may have mentioned that we'd obviously hold off on that investment account because you'd purchased the other property there.","start":87.71,"end":93.15,"sentiment":"neutral","sentiment_score":-0.04701432753354311},{"text":"You had a lot going on at the time, but he may have mentioned to me that you are wanting to maybe proceed with that now.","start":93.15,"end":98.83,"sentiment":"neutral","sentiment_score":0.005079968474232233},{"text":"Is that right, or how are your thoughts going with regards to the investment account?","start":98.83,"end":102.955,"sentiment":"neutral","sentiment_score":0.03492880364259084},{"text":"Yeah.","start":104.854996,"end":105.015,"sentiment":"neutral","sentiment_score":0.059182170778512955}],"sentiment":"neutral","sentiment_score":0.008835104144649742,"num_words":81,"start":83.695,"end":105.015},{"sentences":[{"text":"Yep.","start":105.015,"end":105.415,"sentiment":"neutral","sentiment_score":0.07474832981824875},{"text":"That's okay.","start":105.415,"end":106.135,"sentiment":"neutral","sentiment_score":0.03587790485471487},{"text":"So just sort of going back over the recommendation just to sort of reconfigure it, and I'm more than happy to email you a copy of the advice document again just so you're able to kinda run your eyes back over it.","start":106.135,"end":116.25,"sentiment":"positive","sentiment_score":0.4449792598329839},{"text":"But, essentially, it was establishing a Hub twenty four investment account, a personal investment account within Hub twenty four there.","start":116.65,"end":122.91,"sentiment":"neutral","sentiment_score":0.250918111205101},{"text":"We can link that to your super there as well.","start":123.05,"end":124.97,"sentiment":"positive","sentiment_score":0.38919246196746826}],"sentiment":"positive","sentiment_score":0.36994559861719606,"num_words":75,"start":105.015,"end":124.97},{"sentences":[{"text":"That way, everything is linked in the back end, and it can help to reduce fees and things like that in the back end as well.","start":124.97,"end":130.83,"sentiment":"positive","sentiment_score":0.5179285361216619},{"text":"The initial deposit that you were comfortable with at the time was about 25,000.","start":131.385,"end":136.185,"sentiment":"neutral","sentiment_score":0.1606162233012063},{"text":"Are you still comfortable with that initial deposit going in?","start":136.185,"end":139.08499,"sentiment":"neutral","sentiment_score":0.10617275387048722},{"text":"Yep.","start":141.065,"end":141.385,"sentiment":"neutral","sentiment_score":0.2399836629629135},{"text":"That's okay.","start":141.385,"end":142.185,"sentiment":"positive","sentiment_score":0.3598353713750839}],"sentiment":"positive","sentiment_score":0.3346443586754349,"num_words":53,"start":124.97,"end":142.185},{"sentences":[{"text":"And then it was a regular investment of $400 on a monthly basis debited into the account for dollar cost averaging.","start":142.185,"end":149.87,"sentiment":"neutral","sentiment_score":0.21455275870504834},{"text":"Are you still fairly comfortable with that amount?","start":149.87,"end":152.04999,"sentiment":"neutral","sentiment_score":0.17441718839108944},{"text":"Yeah.","start":153.95,"end":154.34999,"sentiment":"neutral","sentiment_score":0.29399991035461426},{"text":"Beautiful.","start":154.34999,"end":154.84999,"sentiment":"positive","sentiment_score":0.5776146650314331},{"text":"One of the things he may have mentioned to me was that you were just wanting to kind of reevaluate the investment, the investments within the portfolio.","start":155.54999,"end":162.505,"sentiment":"neutral","sentiment_score":0.11802643799671421}],"sentiment":"neutral","sentiment_score":0.1717116179522769,"num_words":58,"start":142.185,"end":162.505},{"sentences":[{"text":"It was recommended as well to make sure that they were still appropriate.","start":162.505,"end":165.405,"sentiment":"neutral","sentiment_score":0.1865225743788939},{"text":"Is that correct?","start":165.545,"end":166.445,"sentiment":"neutral","sentiment_score":0.11337564885616302},{"text":"Mhmm.","start":176.32999,"end":176.82999,"sentiment":"neutral","sentiment_score":0.002927240915596485},{"text":"Yep.","start":177.04999,"end":177.54999,"sentiment":"neutral","sentiment_score":0.03126583993434906},{"text":"Yeah.","start":183.68999,"end":184.17,"sentiment":"neutral","sentiment_score":0.07065774500370026}],"sentiment":"neutral","sentiment_score":0.15104059154461874,"num_words":19,"start":162.505,"end":184.17},{"sentences":[{"text":"Yeah.","start":184.17,"end":184.67,"sentiment":"neutral","sentiment_score":0.09254497289657591},{"text":"Yeah.","start":184.89,"end":185.20999,"sentiment":"neutral","sentiment_score":0.11663013696670532},{"text":"Correct.","start":185.20999,"end":185.70999,"sentiment":"neutral","sentiment_score":0.1911066174507141},{"text":"Yep.","start":185.93,"end":186.32999,"sentiment":"neutral","sentiment_score":0.1758923977613449},{"text":"So, essentially, we were looking at the balanced growth environment.","start":186.32999,"end":189.575,"sentiment":"neutral","sentiment_score":0.1322083778679371}],"sentiment":"neutral","sentiment_score":0.13558985026819365,"num_words":14,"start":184.17,"end":189.575},{"sentences":[{"text":"So that technically sees or generally sees around about 70% of your investment funds invested in growth assets.","start":189.715,"end":196.275,"sentiment":"neutral","sentiment_score":0.19022933973206413},{"text":"So you're still looking at things like Australian and international shares, listed property, and also commodities like gold and silver, and then having defensive investments around about 30% invested there.","start":196.275,"end":207.03,"sentiment":"neutral","sentiment_score":0.23309077421824137},{"text":"So it is a lower risk profile than what you have in your super, but I do tend to find that when we talk about personal investments, we wanna be a less risky in those sorts of areas just because we're super.","start":207.03,"end":218.235,"sentiment":"neutral","sentiment_score":0.15725117318686985},{"text":"We can't access that money until, essentially, the age of 60 at the earliest possible point so far.","start":218.235,"end":223.83499,"sentiment":"neutral","sentiment_score":-0.06723098663820161},{"text":"So with money that is in our personal name, that tends to be something we wanna take a bit less risk on because we can access those funds if we need to and withdraw them at an earlier point if we need to as well.","start":223.83499,"end":235.06999,"sentiment":"neutral","sentiment_score":0.1285181528992123}],"sentiment":"neutral","sentiment_score":0.14114091331078335,"num_words":153,"start":189.715,"end":235.06999},{"sentences":[{"text":"Does that still feel like it's in your comfort level there?","start":235.37,"end":238.11,"sentiment":"neutral","sentiment_score":0.09783074090426619},{"text":"Yeah.","start":240.32999,"end":240.82999,"sentiment":"positive","sentiment_score":0.3675113320350647},{"text":"Yeah.","start":241.68999,"end":242.09,"sentiment":"positive","sentiment_score":0.4544295072555542},{"text":"Beautiful.","start":242.09,"end":242.59,"sentiment":"positive","sentiment_score":0.6855117082595825},{"text":"We're just sort of running my eyes over the investments recommended.","start":242.73,"end":245.62999,"sentiment":"neutral","sentiment_score":0.26837270774624566}],"sentiment":"neutral","sentiment_score":0.22142761930823326,"num_words":25,"start":235.37,"end":245.62999},{"sentences":[{"text":"So we'd see about 4% invested in cybersecurity.","start":245.84999,"end":248.80501,"sentiment":"neutral","sentiment_score":0.24226064421236515},{"text":"We're still recommending cybersecurity in our portfolios, and it is still a great place to be.","start":249.10501,"end":254.16501,"sentiment":"positive","sentiment_score":0.554766807705164},{"text":"This beta share of cybersecurity is still giving you global exposure, so it is global cybersecurity there as well.","start":254.46501,"end":261.125,"sentiment":"positive","sentiment_score":0.3764986897769727},{"text":"We still see 7% in the European exposure with the iShares Europe ETF, and that is still good.","start":261.69,"end":268.97,"sentiment":"positive","sentiment_score":0.4284117105934355},{"text":"It is still giving you exposure to all 16 European countries, so diversification there.","start":268.97,"end":273.93,"sentiment":"positive","sentiment_score":0.39842066381658825}],"sentiment":"positive","sentiment_score":0.41676172355810803,"num_words":75,"start":245.84999,"end":273.93},{"sentences":[{"text":"And we're still seeing some good growth out of that area.","start":273.93,"end":276.66998,"sentiment":"positive","sentiment_score":0.4734916361895474},{"text":"This also does see about 3% invested in the Japanese ETF as well.","start":277.845,"end":282.98502,"sentiment":"neutral","sentiment_score":0.1862450992831817},{"text":"With everything it has gone on over the past few months with the Iraq so the Iran and the US war, plus the ups and downs we've seen in the market this year, Japan is still a good place to be invested.","start":283.125,"end":293.96,"sentiment":"neutral","sentiment_score":0.17151838221720286},{"text":"I know the Japanese actually looked after their citizens very well.","start":294.02,"end":297.86,"sentiment":"neutral","sentiment_score":0.25869972055608575},{"text":"They had a nice stockpile of a few ready to go, and they were one of the best well prepared countries for what we just went through.","start":297.86,"end":306.175,"sentiment":"positive","sentiment_score":0.40109567951273034}],"sentiment":"neutral","sentiment_score":0.2741216020658612,"num_words":104,"start":273.93,"end":306.175},{"sentences":[{"text":"So it is still a really good place to be invested there.","start":306.175,"end":309.075,"sentiment":"positive","sentiment_score":0.43097444127003354},{"text":"And then we do also have the Vanguard All World ex US ETF, which is giving you the A.","start":309.455,"end":318.87,"sentiment":"neutral","sentiment_score":0.1392247370983425},{"text":"We would see 7% invested in that investment.","start":318.87,"end":322.09,"sentiment":"neutral","sentiment_score":0.13086268212646246},{"text":"Again, we're looking at diversification.","start":322.15,"end":323.61002,"sentiment":"neutral","sentiment_score":0.1397789478302002},{"text":"So, essentially, spreading the risk of across the entire globe, which is appropriate for lowering as much risk as market risk as much as possible, but also making sure we're providing getting growth from as many different countries as possible.","start":323.99002,"end":338.025,"sentiment":"neutral","sentiment_score":0.18574900422245263}],"sentiment":"neutral","sentiment_score":0.2022942817282109,"num_words":84,"start":306.175,"end":338.025},{"sentences":[{"text":"We would also then see, because that investment doesn't include The United States Of America, the S and P 500, which is giving you exposure to the top 500 companies in The US.","start":338.56497,"end":348.69,"sentiment":"neutral","sentiment_score":0.06827465456091997},{"text":"As much as we still have seen the ups and downs in the market there, it is still appropriate to be invested in that area.","start":349.31,"end":355.915,"sentiment":"neutral","sentiment_score":0.0835070002824068},{"text":"We have still seen some really good growth, and even with everything they've gone through, The US is still providing good returns.","start":355.915,"end":361.695,"sentiment":"positive","sentiment_score":0.6455551033670252},{"text":"So we've would be investing 25% in there.","start":362.315,"end":365.855,"sentiment":"positive","sentiment_score":0.4885634817183018},{"text":"And then we've also got the beta shares Australian 200, so giving you exposure to the top 200 companies on the ASX.","start":366.23502,"end":373.38,"sentiment":"neutral","sentiment_score":0.32323766025629913}],"sentiment":"neutral","sentiment_score":0.2687517023730007,"num_words":110,"start":338.56497,"end":373.38},{"sentences":[{"text":"And that's a more of a passively managed fund, which is great.","start":373.84003,"end":376.56003,"sentiment":"positive","sentiment_score":0.5877483660976092},{"text":"We're still seeing good returns from that investment, and we'd hold about 20% on the Australian market there.","start":376.56003,"end":383.415,"sentiment":"positive","sentiment_score":0.6029834432734383},{"text":"And then we'd also have about 10% sitting in a global physical gold, so giving you exposure to physical gold, which is a growth asset, but it's also defensive in nature.","start":383.89502,"end":394.135,"sentiment":"neutral","sentiment_score":0.23368136921236593},{"text":"So gold is it always gets growth.","start":394.135,"end":396.215,"sentiment":"neutral","sentiment_score":0.25432675438267843},{"text":"We all love a little bit of gold.","start":396.215,"end":397.83,"sentiment":"positive","sentiment_score":0.3399028778076172}],"sentiment":"positive","sentiment_score":0.3901357252738978,"num_words":76,"start":373.84003,"end":397.83},{"sentences":[{"text":"But then whenever equities have a bit of a downtime, just people tend to use gold as a bit of a safe haven.","start":398.38998,"end":404.16998,"sentiment":"neutral","sentiment_score":0.1336265497881433},{"text":"So it can act defensively when it needs to as well, which is great.","start":404.22998,"end":408.09,"sentiment":"positive","sentiment_score":0.3969543533665793},{"text":"And then we've just got the defensive investments within this sort of portfolio.","start":408.71,"end":413.075,"sentiment":"neutral","sentiment_score":0.17838400315779906},{"text":"So core composite bonds giving you exposure to the bonds within associate government and corporate bonds.","start":413.215,"end":420.895,"sentiment":"neutral","sentiment_score":0.18254671525210142},{"text":"It's also giving you exposure to physical notes and other bank notes and fixed interest across the globe as well.","start":420.895,"end":428.6,"sentiment":"neutral","sentiment_score":0.19904467985033988}],"sentiment":"neutral","sentiment_score":0.20757447295757228,"num_words":86,"start":398.38998,"end":428.6},{"sentences":[{"text":"So it is a good investment to still have in there.","start":428.6,"end":431.18002,"sentiment":"positive","sentiment_score":0.41461116075515747},{"text":"BetaShares Bank Hybrid, that one is still appropriate for the time being down the track that may be worth removing out.","start":431.80002,"end":438.415,"sentiment":"neutral","sentiment_score":0.10302052629135904},{"text":"But at the moment, it's it's seen as a defensive asset, but it it does get really good growth as well.","start":438.415,"end":443.775,"sentiment":"neutral","sentiment_score":0.2621762025214377},{"text":"So it is still fairly appropriate to have in the portfolio currently there.","start":443.775,"end":447.715,"sentiment":"neutral","sentiment_score":0.24882423075345847},{"text":"Did you feel like any of those would need to be sorta changed out?","start":448.575,"end":452.37,"sentiment":"neutral","sentiment_score":0.025370500183531215}],"sentiment":"neutral","sentiment_score":0.19774695094674827,"num_words":80,"start":428.6,"end":452.37},{"sentences":[{"text":"Do you have any concerns about any of those investments or any questions at all?","start":452.37,"end":456.47,"sentiment":"neutral","sentiment_score":-0.009334498395522436},{"text":"Yeah.","start":462.13,"end":462.63,"sentiment":"neutral","sentiment_score":-0.09141585230827332},{"text":"Yeah.","start":473.835,"end":474.315,"sentiment":"neutral","sentiment_score":-0.027634775266051292},{"text":"No.","start":474.315,"end":474.815,"sentiment":"neutral","sentiment_score":-0.11073467880487442},{"text":"That sounds okay.","start":477.195,"end":478.255,"sentiment":"neutral","sentiment_score":-0.014457928948104382}],"sentiment":"neutral","sentiment_score":-0.01967507472173089,"num_words":21,"start":452.37,"end":478.255},{"sentences":[{"text":"Of course.","start":479.675,"end":480.495,"sentiment":"neutral","sentiment_score":-0.025651628151535988},{"text":"Mhmm.","start":488.97,"end":489.47,"sentiment":"neutral","sentiment_score":0.031499505043029785},{"text":"Yeah.","start":489.53,"end":490.03,"sentiment":"neutral","sentiment_score":0.03247581422328949},{"text":"Yeah.","start":490.81,"end":491.31,"sentiment":"neutral","sentiment_score":0.15458187460899353},{"text":"Yeah.","start":491.37,"end":491.69,"sentiment":"positive","sentiment_score":0.3411591351032257}],"sentiment":"neutral","sentiment_score":0.08473551211257775,"num_words":6,"start":479.675,"end":491.69},{"sentences":[{"text":"Absolutely.","start":491.69,"end":492.19,"sentiment":"positive","sentiment_score":0.542819619178772},{"text":"So all those investments are ETFs, so they do all pay out dividends and income as well as as well as getting growth.","start":492.33002,"end":498.875,"sentiment":"positive","sentiment_score":0.3842227964297585},{"text":"So those dividends will be paid out to your cash account within the investment, and we'll have those reinvested back into the portfolio for compounding effects.","start":499.335,"end":507.495,"sentiment":"neutral","sentiment_score":0.3142948614863249},{"text":"So, yeah, dividends are absolutely something we'd like to consider.","start":507.495,"end":510.74,"sentiment":"positive","sentiment_score":0.5027159184217453},{"text":"When we look at a portfolio, we wanna make sure you're getting both growth and income out of that.","start":510.96,"end":516.42,"sentiment":"positive","sentiment_score":0.3869948026381041}],"sentiment":"positive","sentiment_score":0.3788819084816341,"num_words":79,"start":491.69,"end":516.42},{"sentences":[{"text":"The other thing I just like to make sure you are aware, and then you invested in your own name as well anyways, so you're probably aware of the tax side of things.","start":516.96,"end":523.585,"sentiment":"neutral","sentiment_score":0.09436147727749565},{"text":"But every year, at the end of the tax year, you will get a tax statement for the investment portfolio, and that will outline all the information that your account needs to include in your tax return there for you as well.","start":524.465,"end":535.105,"sentiment":"neutral","sentiment_score":0.13401299413470996},{"text":"So growth income, any overseas income that's being paid out that needs to kind of be, you know, accounted for, any deductions that, you know, within the funds that that can be accounted for as well.","start":535.105,"end":546.52997,"sentiment":"neutral","sentiment_score":0.12590164504945278},{"text":"All that is provided in a tax statement at the end of the year, and that just gets given to your accountant and they can include that in your personal tax return as well.","start":546.52997,"end":553.975,"sentiment":"neutral","sentiment_score":0.174884215435561},{"text":"Okay?","start":553.975,"end":554.475,"sentiment":"neutral","sentiment_score":0.14101234078407288}],"sentiment":"neutral","sentiment_score":0.1326165026793741,"num_words":146,"start":516.96,"end":554.475},{"sentences":[{"text":"Yep.","start":556.295,"end":556.795,"sentiment":"positive","sentiment_score":0.4497111737728119},{"text":"Beautiful.","start":557.015,"end":557.515,"sentiment":"positive","sentiment_score":0.7092298269271851},{"text":"The only other thing to sort of make mention was, obviously, with this one here, we essentially did have the ongoing remuneration side of things.","start":557.895,"end":565.91003,"sentiment":"neutral","sentiment_score":0.08726065069437026},{"text":"So we do charge 1.10% from the investment account based on the the advice and what we had sort of looked at.","start":565.91003,"end":573.59,"sentiment":"neutral","sentiment_score":0.12165765565904704},{"text":"This year, we're expecting $313 to be paid from that account.","start":573.59,"end":577.77,"sentiment":"neutral","sentiment_score":0.22589876028624448}],"sentiment":"neutral","sentiment_score":0.1416968675951163,"num_words":60,"start":556.295,"end":577.77},{"sentences":[{"text":"That's for looking after the investment account, and that only ever gets charged when the money goes in.","start":578.415,"end":582.735,"sentiment":"neutral","sentiment_score":0.16793111049466664},{"text":"So once the money goes into the investment account, then we start charging the ongoing service fee for that, and we'll review that with you on a yearly basis the same as we will with your super as well.","start":582.735,"end":592.85,"sentiment":"neutral","sentiment_score":0.15015160894164672},{"text":"But do you have any questions in relation to any of that?","start":592.85,"end":595.64996,"sentiment":"neutral","sentiment_score":0.0008303991829355555},{"text":"Is there any concerns at all?","start":595.64996,"end":597.17,"sentiment":"neutral","sentiment_score":-0.02637727962185939},{"text":"Or Yeah.","start":597.17,"end":600.85,"sentiment":"neutral","sentiment_score":0.10198484733700752}],"sentiment":"neutral","sentiment_score":0.11603043564631567,"num_words":77,"start":578.415,"end":600.85},{"sentences":[{"text":"Yep.","start":600.85,"end":601.32996,"sentiment":"neutral","sentiment_score":0.14228811860084534},{"text":"That's so when we kind of had the projected outcome, we were looking at so the the balanced growth portfolio at the time had a five year rolling average of around about sort of 16.55%.","start":601.32996,"end":621.23004,"sentiment":"neutral","sentiment_score":0.05389838138861316},{"text":"Obviously, I don't expect you to get that percent every year because markets do go up and down.","start":621.69,"end":626.57,"sentiment":"neutral","sentiment_score":-0.13098361757066515},{"text":"But, essentially, what we are sort of looking for between the balanced growth environment, we are sort of wanting around about six to 8% on a yearly basis and having that compounded forward.","start":626.57,"end":635.995,"sentiment":"neutral","sentiment_score":0.1394965708481543},{"text":"So if you can get in between that sort of six to 8% every year and compounding that over time, that provides you with a really good rate of return and a good amount of growth.","start":635.995,"end":646.01495,"sentiment":"positive","sentiment_score":0.4278581531511413}],"sentiment":"neutral","sentiment_score":0.15997810327122367,"num_words":123,"start":600.85,"end":646.01495},{"sentences":[{"text":"However, in that balanced growth environment, we do expect a negative year to be likely around about whenever every six years or so.","start":646.58997,"end":653.07,"sentiment":"negative","sentiment_score":-0.36846158459134726},{"text":"So there will be a time when maybe the investment doesn't perform as well or there there there is a negative return or the returns are a bit lower than expected, and that's just due to normal market volatility.","start":653.07,"end":663.535,"sentiment":"negative","sentiment_score":-0.35377973318099976},{"text":"But we will kinda go through things with you each year and revisit the portfolio and update and make changes when we need to as well if that helps.","start":664.39496,"end":672.25494,"sentiment":"neutral","sentiment_score":-0.007457555496487124},{"text":"Yeah.","start":673.995,"end":674.495,"sentiment":"neutral","sentiment_score":0.006793452426791191},{"text":"So this portfolio, the last time I mean, we've had a few downs this year as well.","start":677.57,"end":683.19,"sentiment":"neutral","sentiment_score":-0.13522054868585923}],"sentiment":"neutral","sentiment_score":-0.22734175251643046,"num_words":109,"start":646.58997,"end":683.19},{"sentences":[{"text":"So the market around about sort of a March to April, we saw between a two to 3% dip in the market with what was happening.","start":683.41003,"end":690.71,"sentiment":"neutral","sentiment_score":-0.13891605144509903},{"text":"But since then, the market has come out and actually showing really good growth, and we are still seeing positive returns from that.","start":691.28503,"end":697.78503,"sentiment":"positive","sentiment_score":0.36261365530283557},{"text":"Other than that, '22 and '23, we saw quite a bit of up and down.","start":698.325,"end":702.485,"sentiment":"neutral","sentiment_score":-0.1723089004556338},{"text":"And then late last year in 2025, we also had pretty heavy dip with the tariffs that was going into place.","start":702.485,"end":708.01,"sentiment":"neutral","sentiment_score":-0.2174468601033801},{"text":"So, realistically, overall, these portfolios haven't really had just thinking the last proper negative year was at least about three years ago.","start":708.01,"end":719.07,"sentiment":"neutral","sentiment_score":-0.23086875440044838}],"sentiment":"neutral","sentiment_score":-0.07011059281703468,"num_words":107,"start":683.41003,"end":719.07},{"sentences":[{"text":"Since then, every year, we have sort of generated positive returns overall, although the positive returns may have been a little bit lower than expected with the amount of volatility in the market.","start":719.685,"end":729.84503,"sentiment":"neutral","sentiment_score":0.19996828518130563},{"text":"So, realistically, if this sort of portfolio can generate you know, can show by research as average 16.55% over the past five years, even with the amount of volatility that we have gone through and seen in the past five years, then it sort of shows you that this portfolio has withstood those ups and downs, and it can generate those kinds of returns moving forward if given the same market conditions in the past.","start":729.84503,"end":755.325,"sentiment":"positive","sentiment_score":0.36359640310208},{"text":"Realistically, I just wanna make sure you are getting at least that to 8% on a yearly basis, but it is an expectation that markets will go up and will go down.","start":756.02496,"end":764.22,"sentiment":"neutral","sentiment_score":0.029743518214672804},{"text":"And, look, I can tell you what what I have seen in the past and where the volatility has kinda hit and what kind of average returns we've seen, but it also comes down to what happens with it moving forward.","start":764.52,"end":774.725,"sentiment":"neutral","sentiment_score":0.027596256718402955},{"text":"So just making sure that we do put the sorry.","start":774.725,"end":778.40497,"sentiment":"neutral","sentiment_score":-0.02860366180539131}],"sentiment":"neutral","sentiment_score":0.1867323881356504,"num_words":191,"start":719.685,"end":778.40497},{"sentences":[{"text":"Just making sure that we do obviously put the the the money in on a regular basis, the dollar cost averaging even through the down times.","start":778.40497,"end":786.08496,"sentiment":"neutral","sentiment_score":0.050058107250011884},{"text":"When the market aren't performing really well, I do find a lot of people ringing and go, hey.","start":786.08496,"end":790.01,"sentiment":"neutral","sentiment_score":-0.1013060553620259},{"text":"I wanna kinda stop those contributions going in.","start":790.01,"end":792.75,"sentiment":"neutral","sentiment_score":-0.13233321346342564},{"text":"But in all honesty, that's the best time.","start":792.81,"end":795.07,"sentiment":"neutral","sentiment_score":0.05721948575228453},{"text":"If you do see a bit of a market dip, we do have a bit of a downtime.","start":795.29,"end":798.59,"sentiment":"neutral","sentiment_score":-0.06962248724367884}],"sentiment":"neutral","sentiment_score":-0.030462984616557758,"num_words":78,"start":778.40497,"end":798.59},{"sentences":[{"text":"Just keep that money going into the portfolio.","start":798.825,"end":801.245,"sentiment":"neutral","sentiment_score":0.023237054236233234},{"text":"Take advantage of that, and you'll buy more units to those investments.","start":801.465,"end":804.765,"sentiment":"neutral","sentiment_score":0.14222214929759502},{"text":"Everyone always says, you know, buy low, sell high, but it is the hardest time to convince yourself to do it.","start":805.625,"end":811.96,"sentiment":"neutral","sentiment_score":-0.011843109237296241},{"text":"But if you ring me, I'll be telling you to keep going and keep buying, keep investing, and take advantage of those downtimes because in all honesty, that's what I do.","start":811.96,"end":821.02,"sentiment":"neutral","sentiment_score":0.2268722179916597},{"text":"I see a downtime, and I get a little bit excited.","start":822.36,"end":824.77997,"sentiment":"neutral","sentiment_score":0.3276755918156017}],"sentiment":"neutral","sentiment_score":0.1479677975806127,"num_words":83,"start":798.825,"end":824.77997},{"sentences":[{"text":"So it gives it's essentially just a bit of a buying opportunity.","start":824.84,"end":828.105,"sentiment":"neutral","sentiment_score":0.30817820007602376},{"text":"And the other thing is these investments have always stood those ups and downs.","start":828.245,"end":831.76495,"sentiment":"neutral","sentiment_score":-0.07646697892674378},{"text":"They've been through times like COVID and the GFC, and they've withstood that.","start":831.76495,"end":835.20496,"sentiment":"neutral","sentiment_score":-0.08506718829560739},{"text":"So we wanna make sure that you're in quality investments that are being through the ups and downs that can withstand that and that you're in a in a environment that you're comfortable with as well.","start":835.20496,"end":845.15,"sentiment":"positive","sentiment_score":0.4343981643517812},{"text":"But I'm more than happy to send this through to you as well if you like just so you can run your eyes over that one.","start":845.15,"end":850.605,"sentiment":"positive","sentiment_score":0.7851694455513587}],"sentiment":"positive","sentiment_score":0.37202442325836066,"num_words":101,"start":824.84,"end":850.605},{"sentences":[{"text":"You can have a bit of a look at it, and let me know if there are any additional questions there at all.","start":850.76495,"end":856.065,"sentiment":"positive","sentiment_score":0.4709458597328352},{"text":"Of course.","start":859.165,"end":859.745,"sentiment":"neutral","sentiment_score":0.11118330806493759},{"text":"That's okay.","start":863.64496,"end":864.46497,"sentiment":"neutral","sentiment_score":0.17911241203546524},{"text":"Yes.","start":869.23,"end":869.73,"sentiment":"neutral","sentiment_score":0.1246921494603157},{"text":"Mhmm.","start":871.95,"end":872.45,"sentiment":"neutral","sentiment_score":0.048400841653347015}],"sentiment":"positive","sentiment_score":0.3994979036265406,"num_words":29,"start":850.76495,"end":872.45},{"sentences":[{"text":"It's really hard to kinda tell you that answer just because when we're looking at growth, we're looking at the overall, so income plus growth.","start":878.135,"end":885.035,"sentiment":"neutral","sentiment_score":-0.09687179664149881},{"text":"The research we get, unfortunately, doesn't break down income aside from growth, and dividends change.","start":885.335,"end":890.695,"sentiment":"neutral","sentiment_score":-0.1708190768957138},{"text":"So, essentially, the ETFs every couple of months, a lot of the Vanguard and iShares ETFs pay dividends on a biannually or quarterly basis, and they actually all come out a few a few weeks prior to the dividend period to say how much they're gonna pay in dividends.","start":890.695,"end":906.755,"sentiment":"neutral","sentiment_score":0.09567704667546312},{"text":"So those dividends do change on a regular basis.","start":906.755,"end":909.71497,"sentiment":"neutral","sentiment_score":0.1596959481636683},{"text":"You tend to get a few cents or a few dollars per share.","start":909.71497,"end":912.695,"sentiment":"neutral","sentiment_score":0.16786183072970465}],"sentiment":"neutral","sentiment_score":0.029941995951204416,"num_words":111,"start":878.135,"end":912.695},{"sentences":[{"text":"So it is very hard to kinda confirm that for you just because it's it is up to the investment company at the time that the dividends are due.","start":913.235,"end":921.7,"sentiment":"neutral","sentiment_score":-0.07981348731394472},{"text":"But what I'd be probably looking at trying to do for you is just to kinda look get it started for the first year, have a really good look at it.","start":922.16003,"end":929.36005,"sentiment":"positive","sentiment_score":0.43095791952744605},{"text":"We could maybe touch base in six months' time and see where things are tracking and then do a full year kind of review of things, see if there's any changes that needs to be made, look at what the income is that's being generated on a regular basis for you just with the projection table.","start":929.36005,"end":944.84503,"sentiment":"neutral","sentiment_score":0.10186331413154091},{"text":"And I know this is just a projection table, but that does look at the but that does look at the expected with the five year rolling average and the fees there, that over the next sort of five years, you could end up with about 73,000 sitting in super by considering the growth, the income, and the additional cost of having the investment account open.","start":944.84503,"end":964.495,"sentiment":"neutral","sentiment_score":0.13843139808512095},{"text":"So that is the projected outcome over the next five years.","start":964.495,"end":967.53503,"sentiment":"neutral","sentiment_score":0.20562110841274261}],"sentiment":"neutral","sentiment_score":0.1458432872060667,"num_words":193,"start":913.235,"end":967.53503},{"sentences":[{"text":"We can definitely review that to see whether you're on track for that or whether changes need to be made, but I am really sorry, Jack.","start":967.53503,"end":973.935,"sentiment":"neutral","sentiment_score":0.0408314847602294},{"text":"I can't break down the income expectation away from the growth.","start":973.935,"end":977.16,"sentiment":"negative","sentiment_score":-0.5187000415541909},{"text":"I'd love to be able to do that, but if I could do that, I could probably, you know, be just day trading myself.","start":977.54,"end":983.39996,"sentiment":"neutral","sentiment_score":-0.2825110324968894},{"text":"It wouldn't have to work.","start":983.77997,"end":985.0,"sentiment":"neutral","sentiment_score":-0.12678252011537552},{"text":"Yeah.","start":990.415,"end":990.915,"sentiment":"neutral","sentiment_score":-0.06599150598049164}],"sentiment":"neutral","sentiment_score":-0.18095896626586344,"num_words":67,"start":967.53503,"end":990.915},{"sentences":[{"text":"No.","start":991.45496,"end":991.855,"sentiment":"neutral","sentiment_score":-0.1221647411584854},{"text":"Definitely.","start":991.855,"end":992.355,"sentiment":"neutral","sentiment_score":-0.030931714922189713},{"text":"I mean, you guys have got another baby coming, don't you?","start":992.495,"end":995.235,"sentiment":"neutral","sentiment_score":-0.014250593005933544},{"text":"Yeah.","start":997.055,"end":997.555,"sentiment":"neutral","sentiment_score":0.2523515224456787},{"text":"Congratulations on that as well.","start":999.13,"end":1001.07,"sentiment":"positive","sentiment_score":0.5455819666385651}],"sentiment":"neutral","sentiment_score":0.1405478092890821,"num_words":19,"start":991.45496,"end":1001.07},{"sentences":[{"text":"Absolutely.","start":1002.41,"end":1002.91,"sentiment":"positive","sentiment_score":0.5136080980300903},{"text":"No.","start":1003.85,"end":1004.17,"sentiment":"neutral","sentiment_score":0.08988045901060104},{"text":"That's okay.","start":1004.17,"end":1004.81,"sentiment":"neutral","sentiment_score":0.10777980461716652},{"text":"That's not a problem.","start":1004.81,"end":1005.69,"sentiment":"neutral","sentiment_score":0.2246910221874714},{"text":"Did you want me to re email the document through to you so you can run your eyes over it?","start":1005.69,"end":1009.61,"sentiment":"neutral","sentiment_score":0.16094099022448063}],"sentiment":"neutral","sentiment_score":0.17630828783980437,"num_words":28,"start":1002.41,"end":1009.61},{"sentences":[{"text":"How would you like to proceed?","start":1009.61,"end":1010.81,"sentiment":"neutral","sentiment_score":0.10140629236896832},{"text":"And do you have any other questions at all?","start":1010.81,"end":1012.82996,"sentiment":"neutral","sentiment_score":0.07411982988317807},{"text":"Yeah.","start":1017.595,"end":1018.095,"sentiment":"neutral","sentiment_score":0.05681067705154419},{"text":"Yep.","start":1022.075,"end":1022.575,"sentiment":"neutral","sentiment_score":0.1041642650961876},{"text":"Yeah.","start":1026.6799,"end":1027.0,"sentiment":"neutral","sentiment_score":0.14855003356933594}],"sentiment":"neutral","sentiment_score":0.08805784438219336,"num_words":18,"start":1009.61,"end":1027.0},{"sentences":[{"text":"Correct.","start":1027.0,"end":1027.5,"sentiment":"neutral","sentiment_score":0.21669456362724304},{"text":"Yes.","start":1027.5599,"end":1027.96,"sentiment":"neutral","sentiment_score":0.216955304145813},{"text":"So starting with that 25 and then dollar cost averaging that $100 per week or essentially 4,800 over the course of the year.","start":1027.96,"end":1035.5,"sentiment":"neutral","sentiment_score":0.2589349487553472},{"text":"It is also not limited to that.","start":1035.5599,"end":1036.9199,"sentiment":"neutral","sentiment_score":0.1880997930254255},{"text":"If you find you have some extra money you wanna whack in there at any point, you can.","start":1036.9199,"end":1040.855,"sentiment":"neutral","sentiment_score":0.08045564633276728}],"sentiment":"neutral","sentiment_score":0.18308107748627664,"num_words":50,"start":1027.0,"end":1040.855},{"sentences":[{"text":"Unlike your sleep, you're not limited with your personal investment account.","start":1040.855,"end":1044.215,"sentiment":"neutral","sentiment_score":0.021342407319356094},{"text":"So you can be putting in more if you want to at any point in time.","start":1044.215,"end":1047.2749,"sentiment":"neutral","sentiment_score":0.04577569919638336},{"text":"But, yeah, just for the projected outcome, that's what we kinda have projected with the advice document.","start":1047.815,"end":1052.475,"sentiment":"neutral","sentiment_score":0.06051988735356752},{"text":"But it does come down to how markets react over time, and we'll keep kinda reviewing that with you on a regular basis and see where we're tracking for.","start":1053.11,"end":1060.25,"sentiment":"neutral","sentiment_score":0.06831417078601904},{"text":"But, also, these investments, you know, they work really well now, but they might, in a year or two or three's time, need to be updated, in which case we'll probably do a bit of a switch out and see where that tracks for as well.","start":1060.63,"end":1071.1849,"sentiment":"neutral","sentiment_score":0.060790776072636894}],"sentiment":"neutral","sentiment_score":0.056920188275643255,"num_words":119,"start":1040.855,"end":1071.1849},{"sentences":[{"text":"Yeah.","start":1071.325,"end":1071.825,"sentiment":"neutral","sentiment_score":0.05497348308563232},{"text":"Beautiful.","start":1073.485,"end":1073.985,"sentiment":"positive","sentiment_score":0.3637687861919403},{"text":"Fantastic.","start":1075.085,"end":1075.585,"sentiment":"positive","sentiment_score":0.4651165008544922},{"text":"Yeah.","start":1078.2849,"end":1078.7849,"sentiment":"neutral","sentiment_score":0.03738604858517647},{"text":"That's okay.","start":1079.245,"end":1082.72,"sentiment":"neutral","sentiment_score":0.12129978090524672}],"sentiment":"neutral","sentiment_score":0.19397406342128912,"num_words":6,"start":1071.325,"end":1082.72},{"sentences":[{"text":"Fantastic.","start":1082.94,"end":1083.44,"sentiment":"positive","sentiment_score":0.5126917362213135},{"text":"Well, I'm happy to I'll take this document, and I'll email it through to you now.","start":1083.58,"end":1087.0199,"sentiment":"positive","sentiment_score":0.5262497700750828},{"text":"That way, you do have a copy there.","start":1087.0199,"end":1088.86,"sentiment":"positive","sentiment_score":0.4322889372706413},{"text":"It is the one that you signed as well, so you can definitely see everything.","start":1088.86,"end":1092.1599,"sentiment":"positive","sentiment_score":0.45414411624272666},{"text":"Let me know if you do happen to have any questions there.","start":1092.805,"end":1095.365,"sentiment":"neutral","sentiment_score":0.2846783498922984}],"sentiment":"positive","sentiment_score":0.4349865672680048,"num_words":52,"start":1082.94,"end":1095.365},{"sentences":[{"text":"And are you happy if I get, Jack to maybe, organize and send you the bank the the details to have the transfer done in, or did you wanna set it up direct debit?","start":1095.365,"end":1105.74,"sentiment":"neutral","sentiment_score":0.222681805053178},{"text":"How would you like to kind of proceed with the deposits?","start":1105.98,"end":1108.5599,"sentiment":"neutral","sentiment_score":0.06935565173625946},{"text":"Okay.","start":1116.94,"end":1117.44,"sentiment":"neutral","sentiment_score":0.06758318096399307},{"text":"Yep.","start":1126.695,"end":1127.015,"sentiment":"neutral","sentiment_score":0.19804434478282928},{"text":"Beautiful.","start":1127.015,"end":1127.515,"sentiment":"positive","sentiment_score":0.41227075457572937}],"sentiment":"neutral","sentiment_score":0.18774982960894704,"num_words":48,"start":1095.365,"end":1127.515},{"sentences":[{"text":"Not a problem at all.","start":1127.575,"end":1128.455,"sentiment":"neutral","sentiment_score":0.2794316589832306},{"text":"I'll let Jack know that we've spoken, that you're happy to proceed, and I'll get him just to follow-up, let you know if there's anything else that needs to be signed and to have that deposit organized there for you.","start":1128.455,"end":1138.27,"sentiment":"positive","sentiment_score":0.3435877986252308},{"text":"Is that okay?","start":1138.27,"end":1139.0901,"sentiment":"neutral","sentiment_score":0.18847283720970154},{"text":"Yep.","start":1140.8301,"end":1141.31,"sentiment":"positive","sentiment_score":0.48485490679740906},{"text":"Let him thank you so much for that.","start":1141.31,"end":1143.15,"sentiment":"positive","sentiment_score":0.8163698017597198}],"sentiment":"positive","sentiment_score":0.39862986091981856,"num_words":57,"start":1127.575,"end":1143.15},{"sentences":[{"text":"Do you have any other questions or anything else you need from me at the moment at all?","start":1143.15,"end":1146.75,"sentiment":"neutral","sentiment_score":0.2690714763270484},{"text":"You're welcome to ask me anything you like.","start":1146.75,"end":1148.745,"sentiment":"positive","sentiment_score":0.3417458012700081},{"text":"No.","start":1158.025,"end":1158.265,"sentiment":"neutral","sentiment_score":-0.11055150628089903},{"text":"That's okay.","start":1158.265,"end":1159.005,"sentiment":"neutral","sentiment_score":0.12293436378240585},{"text":"I'm just emailing you the document now, so it should come through very shortly.","start":1159.065,"end":1162.6849,"sentiment":"neutral","sentiment_score":0.2944035881331989}],"sentiment":"neutral","sentiment_score":0.2752144288185031,"num_words":43,"start":1143.15,"end":1162.6849},{"sentences":[{"text":"When you do get a hold of it, you're welcome to run your eyes over it, and I'll let Jack know that you're happy to proceed and move forward with that.","start":1163.02,"end":1169.42,"sentiment":"positive","sentiment_score":0.46942297393275845},{"text":"Okay.","start":1169.42,"end":1169.92,"sentiment":"positive","sentiment_score":0.5439279079437256},{"text":"My pleasure, Jack.","start":1172.2999,"end":1173.1799,"sentiment":"positive","sentiment_score":0.8636240760485331},{"text":"I hope you have a great day.","start":1173.1799,"end":1174.64,"sentiment":"positive","sentiment_score":0.8515928132193429},{"text":"Thanks for taking my call.","start":1176.94,"end":1178.6669,"sentiment":"positive","sentiment_score":0.3947899520397186}],"sentiment":"positive","sentiment_score":0.5451491868242304,"num_words":47,"start":1163.02,"end":1178.6669},{"sentences":[{"text":"Will do.","start":1178.6669,"end":1179.2269,"sentiment":"positive","sentiment_score":0.42542846500873566},{"text":"Thank you so much.","start":1179.2269,"end":1180.0269,"sentiment":"positive","sentiment_score":0.7739626318216324},{"text":"I'll talk to you soon.","start":1180.0269,"end":1180.9869,"sentiment":"positive","sentiment_score":0.4244436025619507},{"text":"See you later.","start":1180.9869,"end":1181.8069,"sentiment":"positive","sentiment_score":0.3432275156180064},{"text":"Bye.","start":1183.3069,"end":1183.8069,"sentiment":"neutral","sentiment_score":-0.10702979564666748}],"sentiment":"positive","sentiment_score":0.46610521475474037,"num_words":15,"start":1178.6669,"end":1183.8069}]}}]},{"alternatives":[{"transcript":"Hello. Jack speaking. Good. Yourself? Yeah. Not too bad. Yeah. It's probably on back of the back of work sort of thing. So yeah. Yep. Yep. Jack Russell Klinky. Twentieth of the fifth ninety six. 275 Mount Douglas Road. 75. Mount Saltwood. Yeah. Yeah. That's what we're thinking. Yeah. Yeah. Yeah. Yeah. So I think when we talked about it, it was like, this was gonna be a little bit more defensive than a super fund investment. And that yeah. Like, that way, they just yeah. It's a bit less volatile. Yeah. Yeah. It sounds sounds pretty good. No. No concerns, to be honest. That's I'm doing too bad. I mean, yeah, I did hear stories the start of the year with people that were heavily invested in oil and lost. Yeah, a third of their super and stuff like that. But no. That sounds alright. And I just wanted to just ask the question is, like, with the with the 25,000, that will is that enough to, like will it get it'll get paid out dividend a couple times a year or something? Is that how they work? Yep. Yep. Yep. Perfect. No. That sounds pretty good. And so of that 25,000, roughly about 6% growth. Is that what you're saying? And Yep. When was the last day on the Yep. I The last question will be so just let us know how much about this sort of stuff. So all of the of the 25,000 we put in first up, in a in a year's time, how much money in debt dividends would we be expected to be paid and then reinvested? Yeah. Yep. Yeah. No. So I was just like, what how long until I can quit my day job? That's what I was thinking too. Yeah. Yeah. I want the dividends to start paying me some money. Thank you. I already said the $70.70 odd thousand just then. That was this this account, yeah, in five years' time with this plan could potentially have, yeah, 70,000 instead of 25. Yep. Yep. No. That that sounds pretty good, though, to be honest. Yeah. It's sorta. Been a while since I looked at the documents, but, yeah, that all sounds I'm trying to see why why I was on board. I think I gave him the I gave him the bank account last week. And I think I think he was gonna take it out, like, this Friday or Thursday. He just he's already just waiting for you to give me a call, and then he said he was gonna do it. I think. Yeah. It's fine. No. That's about the extent. Oh, boy. Yeah. There's no way. I got nothing else to that. Awesome. Thank you. You too. We'll talk to you soon. Hang on.","confidence":0.9785156,"words":[{"word":"hello","start":0.96,"end":1.36,"confidence":0.9182129,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.043589334934949875},{"word":"jack","start":1.36,"end":1.5999999,"confidence":0.79248047,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":0.04067452251911163},{"word":"speaking","start":1.5999999,"end":2.1,"confidence":0.9926758,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.04373667016625405},{"word":"good","start":6.3999996,"end":6.8799996,"confidence":0.80688477,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.52851402759552},{"word":"yourself","start":6.8799996,"end":7.3799996,"confidence":0.8737793,"punctuated_word":"Yourself?","sentiment":"positive","sentiment_score":0.37704670429229736},{"word":"yeah","start":12.4,"end":12.719999,"confidence":0.89453125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16636759042739868},{"word":"not","start":12.719999,"end":12.88,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.22747471928596497},{"word":"too","start":12.88,"end":13.04,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.12720096111297607},{"word":"bad","start":13.04,"end":13.54,"confidence":0.9975586,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.2713082432746887},{"word":"yeah","start":16.715,"end":17.035,"confidence":0.8718262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16342884302139282},{"word":"it's","start":17.035,"end":17.355,"confidence":0.71728516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.021322187036275864},{"word":"probably","start":17.355,"end":17.595,"confidence":0.3815918,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1278495043516159},{"word":"on","start":17.595,"end":17.755,"confidence":0.38427734,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.14498628675937653},{"word":"back","start":17.755,"end":17.994999,"confidence":0.8520508,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.131329745054245},{"word":"of","start":17.994999,"end":18.074999,"confidence":0.63183594,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15883231163024902},{"word":"the","start":18.074999,"end":18.154999,"confidence":0.65722656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16366200149059296},{"word":"back","start":18.154999,"end":18.314999,"confidence":0.90478516,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.14276409149169922},{"word":"of","start":18.314999,"end":18.395,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16020694375038147},{"word":"work","start":18.395,"end":18.895,"confidence":0.99609375,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.09747759252786636},{"word":"sort","start":18.955,"end":19.115,"confidence":0.77441406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07636139541864395},{"word":"of","start":19.115,"end":19.195,"confidence":0.9404297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09269292652606964},{"word":"thing","start":19.195,"end":19.695,"confidence":0.89941406,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.04284058138728142},{"word":"so","start":20.955,"end":21.455,"confidence":0.57128906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1856227070093155},{"word":"yeah","start":23.115,"end":23.615,"confidence":0.9638672,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.30432403087615967},{"word":"yep","start":33.65,"end":34.15,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2507704496383667},{"word":"yep","start":43.545,"end":44.045,"confidence":0.8703613,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19595488905906677},{"word":"jack","start":55.329998,"end":55.57,"confidence":0.9404297,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":0.013240987434983252},{"word":"russell","start":55.57,"end":55.89,"confidence":0.7988281,"punctuated_word":"Russell","sentiment":"neutral","sentiment_score":0.011811407282948494},{"word":"klinky","start":55.89,"end":56.39,"confidence":0.5860901,"punctuated_word":"Klinky.","sentiment":"neutral","sentiment_score":0.007317283656448126},{"word":"twentieth","start":56.69,"end":57.19,"confidence":0.8680013,"punctuated_word":"Twentieth","sentiment":"neutral","sentiment_score":0.014346979558467863},{"word":"of","start":57.25,"end":57.41,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011834386736154556},{"word":"the","start":57.41,"end":57.57,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016472073271870613},{"word":"fifth","start":57.57,"end":57.809998,"confidence":0.9902344,"punctuated_word":"fifth","sentiment":"neutral","sentiment_score":0.020543621852993965},{"word":"ninety","start":57.809998,"end":58.21,"confidence":0.94921875,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.027314363047480583},{"word":"six","start":58.21,"end":58.71,"confidence":0.9577637,"punctuated_word":"six.","sentiment":"neutral","sentiment_score":0.018823573365807533},{"word":"275","start":59.25,"end":60.21,"confidence":0.9929199,"punctuated_word":"275","sentiment":"neutral","sentiment_score":0.017353184521198273},{"word":"mount","start":60.21,"end":60.449997,"confidence":0.8305664,"punctuated_word":"Mount","sentiment":"neutral","sentiment_score":0.03150432929396629},{"word":"douglas","start":60.449997,"end":60.85,"confidence":0.32421875,"punctuated_word":"Douglas","sentiment":"neutral","sentiment_score":0.03125378116965294},{"word":"road","start":60.85,"end":61.35,"confidence":0.9926758,"punctuated_word":"Road.","sentiment":"neutral","sentiment_score":0.03624926507472992},{"word":"75","start":69.649994,"end":70.545,"confidence":0.99450684,"punctuated_word":"75.","sentiment":"neutral","sentiment_score":0.04276487976312637},{"word":"mount","start":74.225,"end":74.545,"confidence":0.86572266,"punctuated_word":"Mount","sentiment":"neutral","sentiment_score":0.01627882942557335},{"word":"saltwood","start":74.545,"end":75.045,"confidence":0.6931966,"punctuated_word":"Saltwood.","sentiment":"neutral","sentiment_score":0.009469859302043917},{"word":"yeah","start":101.625,"end":102.125,"confidence":0.96362305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016333037987351418},{"word":"yeah","start":103.305,"end":103.705,"confidence":0.77441406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0247181486338377},{"word":"that's","start":103.705,"end":103.865005,"confidence":0.9289551,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.018558567389845848},{"word":"what","start":103.865005,"end":104.105,"confidence":0.93847656,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01637667417526245},{"word":"we're","start":104.105,"end":104.185005,"confidence":0.8312988,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03750989958643913},{"word":"thinking","start":104.185005,"end":104.685005,"confidence":0.9980469,"punctuated_word":"thinking.","sentiment":"neutral","sentiment_score":0.04393789917230606},{"word":"yeah","start":140.065,"end":140.37,"confidence":0.7529297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17438161373138428},{"word":"yeah","start":152.84999,"end":153.195,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.154463529586792},{"word":"yeah","start":167.51999,"end":167.92,"confidence":0.7531738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02058614231646061},{"word":"yeah","start":167.92,"end":168.23999,"confidence":0.9638672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012612482532858849},{"word":"so","start":168.23999,"end":168.48,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.022831708192825317},{"word":"i","start":168.48,"end":168.56,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01961366832256317},{"word":"think","start":168.56,"end":169.04,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.029667548835277557},{"word":"when","start":169.04,"end":169.36,"confidence":0.95947266,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.029158204793930057},{"word":"we","start":169.36,"end":169.51999,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.013180777430534365},{"word":"talked","start":169.51999,"end":169.76,"confidence":0.9873047,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.016557462513446808},{"word":"about","start":169.76,"end":169.92,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.015928171575069427},{"word":"it","start":169.92,"end":170.07999,"confidence":0.96777344,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.03983798250555992},{"word":"it","start":170.07999,"end":170.23999,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06831260770559311},{"word":"was","start":170.23999,"end":170.48,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06987803429365158},{"word":"like","start":170.48,"end":170.98,"confidence":0.65405273,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.011842682957649233},{"word":"this","start":171.43999,"end":171.76,"confidence":0.984375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1203371211886406},{"word":"was","start":171.76,"end":171.92,"confidence":0.96972656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1080600768327713},{"word":"gonna","start":171.92,"end":172.15999,"confidence":0.9658203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1241544857621193},{"word":"be","start":172.15999,"end":172.23999,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1335013508796692},{"word":"a","start":172.23999,"end":172.31999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12653493881225586},{"word":"little","start":172.31999,"end":172.56,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09310908615589142},{"word":"bit","start":172.56,"end":172.64,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.15542829036712646},{"word":"more","start":172.64,"end":173.12,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1682303249835968},{"word":"defensive","start":173.12,"end":173.62,"confidence":0.7915039,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.18784889578819275},{"word":"than","start":173.92,"end":174.42,"confidence":0.9941406,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.20796646177768707},{"word":"a","start":174.48,"end":174.71999,"confidence":0.57128906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.266036719083786},{"word":"super","start":174.71999,"end":175.12,"confidence":0.7006836,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.3325989246368408},{"word":"fund","start":175.12,"end":175.51999,"confidence":0.69091797,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.2389083206653595},{"word":"investment","start":175.51999,"end":176.01999,"confidence":0.8684082,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.1401660442352295},{"word":"and","start":177.28,"end":177.51999,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.028733953833580017},{"word":"that","start":177.51999,"end":177.68,"confidence":0.92089844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025401413440704346},{"word":"yeah","start":177.84,"end":178.15999,"confidence":0.96850586,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04482845589518547},{"word":"like","start":178.15999,"end":178.65999,"confidence":0.95825195,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.0452411063015461},{"word":"that","start":178.71999,"end":178.87999,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05237342417240143},{"word":"way","start":178.87999,"end":179.12,"confidence":0.7167969,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.044156961143016815},{"word":"they","start":179.12,"end":179.28,"confidence":0.98535156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.010080486536026},{"word":"just","start":179.28,"end":179.78,"confidence":0.71875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.038453519344329834},{"word":"yeah","start":180.95999,"end":181.395,"confidence":0.9897461,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05700399726629257},{"word":"it's","start":181.395,"end":181.795,"confidence":0.73779297,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.005468040704727173},{"word":"a","start":181.795,"end":182.27501,"confidence":0.5883789,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.017315633594989777},{"word":"bit","start":182.27501,"end":182.595,"confidence":0.99121094,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0790785476565361},{"word":"less","start":182.595,"end":182.91501,"confidence":0.97998047,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.045302748680114746},{"word":"volatile","start":182.91501,"end":183.41501,"confidence":0.9785156,"punctuated_word":"volatile.","sentiment":"neutral","sentiment_score":-0.14946666359901428},{"word":"yeah","start":239.265,"end":239.585,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1307070553302765},{"word":"yeah","start":239.585,"end":239.825,"confidence":0.9916992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14428694546222687},{"word":"it","start":239.825,"end":239.985,"confidence":0.3635254,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.18819038569927216},{"word":"sounds","start":239.985,"end":240.30501,"confidence":0.99316406,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.1758764386177063},{"word":"sounds","start":240.30501,"end":240.705,"confidence":0.9526367,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.1625654101371765},{"word":"pretty","start":240.705,"end":240.945,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6108986139297485},{"word":"good","start":240.945,"end":241.445,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5407279133796692},{"word":"no","start":459.63,"end":459.87,"confidence":0.97753906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02371601201593876},{"word":"no","start":459.87,"end":460.11002,"confidence":0.95410156,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.028446044772863388},{"word":"concerns","start":460.11002,"end":460.59,"confidence":0.77490234,"punctuated_word":"concerns,","sentiment":"neutral","sentiment_score":-0.054738182574510574},{"word":"to","start":460.59,"end":460.67,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05764731764793396},{"word":"be","start":460.67,"end":460.83002,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07501038163900375},{"word":"honest","start":460.83002,"end":461.15,"confidence":0.9367676,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.07784082740545273},{"word":"that's","start":461.15,"end":461.65,"confidence":0.70336914,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0507434718310833},{"word":"i'm","start":462.11002,"end":462.19,"confidence":0.40997314,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04355010390281677},{"word":"doing","start":462.19,"end":462.51,"confidence":0.28955078,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.17051538825035095},{"word":"too","start":462.51,"end":462.67,"confidence":0.96972656,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.18134832382202148},{"word":"bad","start":462.67,"end":462.87,"confidence":0.98706055,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.1685635894536972},{"word":"i","start":462.87,"end":463.07,"confidence":0.38378906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10198228061199188},{"word":"mean","start":463.07,"end":463.39,"confidence":0.78564453,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0933798998594284},{"word":"yeah","start":463.39,"end":463.63,"confidence":0.90063477,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.05334010720252991},{"word":"i","start":463.63,"end":463.79,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05933622270822525},{"word":"did","start":463.79,"end":463.95,"confidence":0.99121094,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.015918973833322525},{"word":"hear","start":463.95,"end":464.19,"confidence":0.9951172,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.06208205223083496},{"word":"stories","start":464.19,"end":464.51,"confidence":0.9604492,"punctuated_word":"stories","sentiment":"neutral","sentiment_score":-0.06558650732040405},{"word":"the","start":464.51,"end":464.67,"confidence":0.39624023,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08306977152824402},{"word":"start","start":464.67,"end":464.91,"confidence":0.77001953,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.06973540037870407},{"word":"of","start":464.91,"end":464.99002,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05951914936304093},{"word":"the","start":464.99002,"end":465.07,"confidence":0.6850586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.061092253774404526},{"word":"year","start":465.07,"end":465.23,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.05922853201627731},{"word":"with","start":465.23,"end":465.39,"confidence":0.34814453,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0684434175491333},{"word":"people","start":465.39,"end":465.71002,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.06276091933250427},{"word":"that","start":465.71002,"end":465.87,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05339445918798447},{"word":"were","start":465.87,"end":466.37,"confidence":0.98535156,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.06900527328252792},{"word":"heavily","start":466.67,"end":467.07,"confidence":1.0,"punctuated_word":"heavily","sentiment":"neutral","sentiment_score":-0.07061107456684113},{"word":"invested","start":467.07,"end":467.55002,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.09069107472896576},{"word":"in","start":467.55002,"end":467.79,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16138207912445068},{"word":"oil","start":467.79,"end":468.19,"confidence":0.9951172,"punctuated_word":"oil","sentiment":"neutral","sentiment_score":-0.0844859927892685},{"word":"and","start":468.19,"end":468.43,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16395653784275055},{"word":"lost","start":468.43,"end":468.795,"confidence":0.57958984,"punctuated_word":"lost.","sentiment":"neutral","sentiment_score":-0.111317440867424},{"word":"yeah","start":469.195,"end":469.695,"confidence":0.99853516,"punctuated_word":"Yeah,","sentiment":"neutral","sentiment_score":-0.03850531205534935},{"word":"a","start":469.83502,"end":469.99503,"confidence":0.8120117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07183824479579926},{"word":"third","start":469.99503,"end":470.315,"confidence":0.9970703,"punctuated_word":"third","sentiment":"neutral","sentiment_score":-0.04257301241159439},{"word":"of","start":470.315,"end":470.475,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06951837241649628},{"word":"their","start":470.475,"end":470.975,"confidence":0.8798828,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.04725971072912216},{"word":"super","start":471.11502,"end":471.43503,"confidence":0.90527344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.032122768461704254},{"word":"and","start":471.43503,"end":471.67502,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.062293216586112976},{"word":"stuff","start":471.67502,"end":471.915,"confidence":1.0,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.06420009583234787},{"word":"like","start":471.915,"end":472.155,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.044690296053886414},{"word":"that","start":472.155,"end":472.655,"confidence":0.96850586,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.04822219908237457},{"word":"but","start":473.595,"end":474.095,"confidence":0.99121094,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01816815882921219},{"word":"no","start":475.515,"end":475.755,"confidence":0.9589844,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.09392304718494417},{"word":"that","start":475.755,"end":475.915,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.06978987902402878},{"word":"sounds","start":475.915,"end":476.23502,"confidence":0.99609375,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":-0.047054413706064224},{"word":"alright","start":476.23502,"end":476.55502,"confidence":0.920166,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.03902764618396759},{"word":"and","start":476.55502,"end":476.71503,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.009072888642549517},{"word":"i","start":476.71503,"end":476.875,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.007671253755688667},{"word":"just","start":476.875,"end":477.195,"confidence":0.9560547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00460248626768589},{"word":"wanted","start":477.195,"end":477.515,"confidence":0.83203125,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.012858837842941284},{"word":"to","start":477.515,"end":477.67502,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016070712357759476},{"word":"just","start":477.67502,"end":478.155,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01479003205895424},{"word":"ask","start":478.155,"end":478.39502,"confidence":0.9707031,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.01637817919254303},{"word":"the","start":478.39502,"end":478.475,"confidence":0.9038086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026047639548778537},{"word":"question","start":478.475,"end":478.95502,"confidence":0.99609375,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.006006792187690735},{"word":"is","start":478.95502,"end":479.11502,"confidence":0.8208008,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.024255644530057907},{"word":"like","start":479.11502,"end":479.61502,"confidence":0.99316406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.013031383976340294},{"word":"with","start":480.23502,"end":480.475,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04531017318367958},{"word":"the","start":480.475,"end":480.71503,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03494282066822052},{"word":"with","start":480.71503,"end":480.875,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.040012773126363754},{"word":"the","start":480.875,"end":481.11502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0681760385632515},{"word":"25,000","start":481.11502,"end":482.17502,"confidence":0.9946289,"punctuated_word":"25,000,","sentiment":"neutral","sentiment_score":0.051553308963775635},{"word":"that","start":483.25998,"end":483.41998,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05307605117559433},{"word":"will","start":483.41998,"end":483.66,"confidence":0.9921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05079140514135361},{"word":"is","start":483.74,"end":483.97998,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0578729622066021},{"word":"that","start":483.97998,"end":484.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.059534020721912384},{"word":"enough","start":484.22,"end":484.53998,"confidence":0.9980469,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.056396953761577606},{"word":"to","start":484.53998,"end":484.78,"confidence":0.7409668,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.05886705219745636},{"word":"like","start":484.78,"end":485.28,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04213801026344299},{"word":"will","start":485.5,"end":485.74,"confidence":0.9941406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.040388863533735275},{"word":"it","start":485.74,"end":485.9,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07636919617652893},{"word":"get","start":485.9,"end":486.3,"confidence":0.98535156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10339315235614777},{"word":"it'll","start":486.53998,"end":486.78,"confidence":0.98095703,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.05975797399878502},{"word":"get","start":486.78,"end":487.1,"confidence":0.9941406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08549442142248154},{"word":"paid","start":487.1,"end":487.34,"confidence":0.9892578,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.10830212384462357},{"word":"out","start":487.34,"end":487.58,"confidence":0.73095703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0917181745171547},{"word":"dividend","start":487.58,"end":488.08,"confidence":0.6513672,"punctuated_word":"dividend","sentiment":"neutral","sentiment_score":0.07092119753360748},{"word":"a","start":488.69998,"end":488.86,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06487980484962463},{"word":"couple","start":488.86,"end":489.1,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.03962608426809311},{"word":"times","start":489.1,"end":489.41998,"confidence":0.7001953,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.01482218038290739},{"word":"a","start":489.41998,"end":489.5,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014037211425602436},{"word":"year","start":489.5,"end":489.74,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.014298947528004646},{"word":"or","start":489.74,"end":489.81998,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.030189868062734604},{"word":"something","start":489.81998,"end":490.06,"confidence":0.97631836,"punctuated_word":"something?","sentiment":"neutral","sentiment_score":0.033954326063394547},{"word":"is","start":490.06,"end":490.13998,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05701748281717301},{"word":"that","start":490.13998,"end":490.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08782973140478134},{"word":"how","start":490.38,"end":490.53998,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03716468811035156},{"word":"they","start":490.53998,"end":490.69998,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04063345491886139},{"word":"work","start":490.69998,"end":491.19998,"confidence":0.99560547,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":0.058936670422554016},{"word":"yep","start":505.145,"end":505.645,"confidence":0.80493164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2023884505033493},{"word":"yep","start":508.585,"end":508.71,"confidence":0.7548828,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.567616879940033},{"word":"yep","start":555.175,"end":555.675,"confidence":0.7729492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25981736183166504},{"word":"perfect","start":555.735,"end":556.235,"confidence":0.9741211,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5846297740936279},{"word":"no","start":598.57,"end":598.81,"confidence":0.8959961,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10584647953510284},{"word":"that","start":598.81,"end":598.97,"confidence":0.9404297,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.25387686491012573},{"word":"sounds","start":598.97,"end":599.47,"confidence":0.9667969,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.33614209294319153},{"word":"pretty","start":599.52997,"end":599.85,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3305150866508484},{"word":"good","start":599.85,"end":600.35,"confidence":0.98657227,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2411550730466843},{"word":"and","start":600.49,"end":600.81,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15090589225292206},{"word":"so","start":600.81,"end":601.31,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1648184210062027},{"word":"of","start":601.61,"end":601.77,"confidence":0.87060547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19307467341423035},{"word":"that","start":601.77,"end":602.25,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2579914331436157},{"word":"25,000","start":602.25,"end":603.31,"confidence":0.96573895,"punctuated_word":"25,000,","sentiment":"neutral","sentiment_score":0.2162892520427704},{"word":"roughly","start":604.08997,"end":604.58997,"confidence":1.0,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.1831266283988953},{"word":"about","start":604.64996,"end":605.14996,"confidence":0.8925781,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16383489966392517},{"word":"6%","start":605.485,"end":606.205,"confidence":0.98657227,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":0.24291518330574036},{"word":"growth","start":606.205,"end":606.525,"confidence":0.9572754,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.2147970199584961},{"word":"is","start":606.525,"end":606.685,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1594155579805374},{"word":"that","start":606.685,"end":606.84503,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1806218922138214},{"word":"what","start":606.84503,"end":607.005,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1101837083697319},{"word":"you're","start":607.005,"end":607.16504,"confidence":0.82421875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1290770024061203},{"word":"saying","start":607.16504,"end":607.66504,"confidence":0.99658203,"punctuated_word":"saying?","sentiment":"neutral","sentiment_score":0.11551246792078018},{"word":"and","start":608.685,"end":609.185,"confidence":0.5239258,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04560332745313645},{"word":"yep","start":672.73004,"end":673.23004,"confidence":0.7470703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021669765934348103},{"word":"when","start":674.09,"end":674.33,"confidence":0.6899414,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.02425343543291092},{"word":"was","start":674.33,"end":674.49,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0345483124256134},{"word":"the","start":674.49,"end":674.65,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03282445669174194},{"word":"last","start":674.65,"end":674.97003,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0383012592792511},{"word":"day","start":674.97003,"end":675.21,"confidence":0.9838867,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.028235863894224167},{"word":"on","start":675.21,"end":675.37,"confidence":0.9838867,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.023525524884462357},{"word":"the","start":675.37,"end":675.87,"confidence":0.31176758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012660368345677853},{"word":"yep","start":730.96,"end":731.46,"confidence":0.8334961,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29322177171707153},{"word":"i","start":856.34503,"end":856.53,"confidence":0.69677734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12747369706630707},{"word":"the","start":857.01,"end":857.09,"confidence":0.6425781,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06819120794534683},{"word":"last","start":857.09,"end":857.41003,"confidence":0.9667969,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06833475828170776},{"word":"question","start":857.41003,"end":857.81006,"confidence":0.9980469,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.12443702667951584},{"word":"will","start":857.81006,"end":858.05005,"confidence":0.9941406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09481778740882874},{"word":"be","start":858.05005,"end":858.55005,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06562700122594833},{"word":"so","start":860.21,"end":860.71,"confidence":0.97314453,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1139284148812294},{"word":"just","start":860.85004,"end":861.17004,"confidence":0.8984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11174623668193816},{"word":"let","start":861.17004,"end":861.41003,"confidence":0.19592285,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11025571078062056},{"word":"us","start":861.41003,"end":861.49005,"confidence":0.9863281,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.09594422578811646},{"word":"know","start":861.49005,"end":861.73004,"confidence":0.9741211,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.11164143681526184},{"word":"how","start":861.73004,"end":861.89,"confidence":0.4189453,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05368930101394653},{"word":"much","start":861.89,"end":862.05005,"confidence":0.99316406,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0761970579624176},{"word":"about","start":862.05005,"end":862.37006,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10048146545886992},{"word":"this","start":862.37006,"end":862.61005,"confidence":0.9921875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13461290299892426},{"word":"sort","start":862.61005,"end":862.69,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0485951229929924},{"word":"of","start":862.69,"end":862.77,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12410695850849152},{"word":"stuff","start":862.77,"end":863.27,"confidence":0.9675293,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.16752788424491882},{"word":"so","start":863.81006,"end":864.13,"confidence":0.7758789,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2166014462709427},{"word":"all","start":864.13,"end":864.21,"confidence":0.6274414,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1209084689617157},{"word":"of","start":864.21,"end":864.61005,"confidence":0.71240234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13036146759986875},{"word":"the","start":864.61005,"end":864.77,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12739798426628113},{"word":"of","start":864.77,"end":865.09,"confidence":0.56933594,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11217215657234192},{"word":"the","start":865.09,"end":865.25,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1564171016216278},{"word":"25,000","start":865.25,"end":866.37006,"confidence":0.9983724,"punctuated_word":"25,000","sentiment":"neutral","sentiment_score":0.17928597331047058},{"word":"we","start":866.37006,"end":866.53,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1521827131509781},{"word":"put","start":866.53,"end":866.77,"confidence":0.91015625,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1724742352962494},{"word":"in","start":866.77,"end":867.27,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17954440414905548},{"word":"first","start":867.97003,"end":868.29004,"confidence":0.6503906,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.15158364176750183},{"word":"up","start":868.29004,"end":868.79004,"confidence":0.8166504,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.12606501579284668},{"word":"in","start":869.49005,"end":869.73004,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04743972048163414},{"word":"a","start":869.73004,"end":869.97003,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07925371825695038},{"word":"in","start":869.97003,"end":870.21,"confidence":0.63427734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05580351874232292},{"word":"a","start":870.21,"end":870.37006,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08666897565126419},{"word":"year's","start":870.37006,"end":870.69,"confidence":0.9921875,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.06562164425849915},{"word":"time","start":870.69,"end":871.19,"confidence":0.99609375,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.058196060359478},{"word":"how","start":871.41003,"end":871.65,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02253268286585808},{"word":"much","start":871.65,"end":871.905,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03858666494488716},{"word":"money","start":872.22504,"end":872.705,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.05474040284752846},{"word":"in","start":872.705,"end":873.025,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03171362727880478},{"word":"debt","start":873.025,"end":873.265,"confidence":0.3347168,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.07203806191682816},{"word":"dividends","start":873.34503,"end":873.825,"confidence":0.9941406,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.043537627905607224},{"word":"would","start":873.825,"end":873.98505,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03975291550159454},{"word":"we","start":873.98505,"end":874.22504,"confidence":0.98095703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05624816194176674},{"word":"be","start":874.22504,"end":874.385,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02661050856113434},{"word":"expected","start":874.385,"end":874.885,"confidence":1.0,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.07774849981069565},{"word":"to","start":875.66504,"end":875.825,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.047042421996593475},{"word":"be","start":875.825,"end":875.98505,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04023754596710205},{"word":"paid","start":875.98505,"end":876.30505,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.0783124789595604},{"word":"and","start":876.30505,"end":876.385,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06564904749393463},{"word":"then","start":876.385,"end":876.705,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05612623691558838},{"word":"reinvested","start":876.705,"end":877.205,"confidence":0.9944661,"punctuated_word":"reinvested?","sentiment":"neutral","sentiment_score":0.0924825668334961},{"word":"yeah","start":880.30505,"end":880.80505,"confidence":0.8757324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02453656867146492},{"word":"yep","start":900.32,"end":900.795,"confidence":0.9770508,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13411343097686768},{"word":"yeah","start":984.225,"end":984.725,"confidence":0.782959,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0822649747133255},{"word":"no","start":985.825,"end":986.305,"confidence":0.90966797,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2680208683013916},{"word":"so","start":986.305,"end":986.46497,"confidence":0.77685547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.24169494211673737},{"word":"i","start":986.46497,"end":986.545,"confidence":0.8984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.29858869314193726},{"word":"was","start":986.545,"end":986.70496,"confidence":0.97998047,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2766898274421692},{"word":"just","start":986.70496,"end":986.865,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2640194296836853},{"word":"like","start":986.865,"end":987.105,"confidence":0.736084,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.24032193422317505},{"word":"what","start":987.105,"end":987.26495,"confidence":0.39819336,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.3015865385532379},{"word":"how","start":987.345,"end":987.505,"confidence":0.96533203,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.2921060025691986},{"word":"long","start":987.505,"end":987.665,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.2541842758655548},{"word":"until","start":987.665,"end":987.985,"confidence":0.8959961,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.25366127490997314},{"word":"i","start":987.985,"end":988.14496,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3295327425003052},{"word":"can","start":988.14496,"end":988.305,"confidence":0.4399414,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.3719133138656616},{"word":"quit","start":988.305,"end":988.545,"confidence":0.44140625,"punctuated_word":"quit","sentiment":"neutral","sentiment_score":-0.2442674934864044},{"word":"my","start":988.545,"end":988.70496,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.3177632689476013},{"word":"day","start":988.70496,"end":988.865,"confidence":0.9741211,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.27853909134864807},{"word":"job","start":988.865,"end":989.105,"confidence":0.9453125,"punctuated_word":"job?","sentiment":"neutral","sentiment_score":-0.2456211894750595},{"word":"that's","start":989.105,"end":989.26495,"confidence":0.9902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.231331467628479},{"word":"what","start":989.26495,"end":989.425,"confidence":0.6147461,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.22080367803573608},{"word":"i","start":989.425,"end":989.505,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1829972267150879},{"word":"was","start":989.505,"end":989.58496,"confidence":0.98095703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1906507313251495},{"word":"thinking","start":989.58496,"end":989.985,"confidence":0.9301758,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.22168046236038208},{"word":"too","start":989.985,"end":990.485,"confidence":0.9797363,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":-0.1753443330526352},{"word":"yeah","start":995.73,"end":996.20996,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07462023198604584},{"word":"yeah","start":996.20996,"end":996.70996,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1503983438014984},{"word":"i","start":998.85,"end":998.93,"confidence":0.44628906,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3715507090091706},{"word":"want","start":998.93,"end":999.17,"confidence":0.53271484,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.43733125925064087},{"word":"the","start":999.17,"end":999.32996,"confidence":0.60253906,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7692059278488159},{"word":"dividends","start":999.32996,"end":999.82996,"confidence":0.59521484,"punctuated_word":"dividends","sentiment":"positive","sentiment_score":0.7194195985794067},{"word":"to","start":999.88995,"end":999.97,"confidence":0.84472656,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5923935770988464},{"word":"start","start":999.97,"end":1000.44995,"confidence":0.6801758,"punctuated_word":"start","sentiment":"positive","sentiment_score":0.647200345993042},{"word":"paying","start":1000.44995,"end":1000.69,"confidence":0.9350586,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.4429853558540344},{"word":"me","start":1000.69,"end":1000.76996,"confidence":0.9892578,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17913639545440674},{"word":"some","start":1000.76996,"end":1000.93,"confidence":0.984375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2940043807029724},{"word":"money","start":1000.93,"end":1001.43,"confidence":0.99853516,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.30823707580566406},{"word":"thank","start":1002.76996,"end":1003.00995,"confidence":0.64208984,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5948418378829956},{"word":"you","start":1003.00995,"end":1003.425,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4991171360015869},{"word":"i","start":1014.225,"end":1014.305,"confidence":0.3005371,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0027524493634700775},{"word":"already","start":1014.305,"end":1014.625,"confidence":0.15856934,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.02151502296328545},{"word":"said","start":1014.625,"end":1014.785,"confidence":0.9448242,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.010774949565529823},{"word":"the","start":1014.785,"end":1014.945,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012173250317573547},{"word":"$70.70","start":1014.945,"end":1015.825,"confidence":0.9904785,"punctuated_word":"$70.70","sentiment":"neutral","sentiment_score":0.026209186762571335},{"word":"odd","start":1015.825,"end":1015.985,"confidence":0.94140625,"punctuated_word":"odd","sentiment":"neutral","sentiment_score":0.01999761164188385},{"word":"thousand","start":1015.985,"end":1016.385,"confidence":0.9873047,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.029007859528064728},{"word":"just","start":1016.385,"end":1016.625,"confidence":0.7265625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0025492385029792786},{"word":"then","start":1016.625,"end":1017.125,"confidence":0.9499512,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.019683167338371277},{"word":"that","start":1017.345,"end":1017.505,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.04146190732717514},{"word":"was","start":1017.505,"end":1017.745,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.026441773399710655},{"word":"this","start":1017.90497,"end":1018.225,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.038983795791864395},{"word":"this","start":1018.225,"end":1018.705,"confidence":0.97509766,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.060339365154504776},{"word":"account","start":1018.705,"end":1019.07,"confidence":0.66625977,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.07567410171031952},{"word":"yeah","start":1019.63,"end":1020.03,"confidence":0.9230957,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06284882873296738},{"word":"in","start":1020.03,"end":1020.27,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03686432167887688},{"word":"five","start":1020.27,"end":1020.51,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.05166624113917351},{"word":"years'","start":1020.51,"end":1020.83,"confidence":0.8466797,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":0.050575099885463715},{"word":"time","start":1020.83,"end":1021.33,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06141754239797592},{"word":"with","start":1022.11,"end":1022.43,"confidence":0.52246094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1071842834353447},{"word":"this","start":1022.43,"end":1022.67,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11538919061422348},{"word":"plan","start":1022.67,"end":1022.99,"confidence":0.9770508,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.12740950286388397},{"word":"could","start":1022.99,"end":1023.31,"confidence":0.8256836,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.11875876784324646},{"word":"potentially","start":1023.31,"end":1023.71,"confidence":0.96972656,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.10209205001592636},{"word":"have","start":1023.71,"end":1023.95,"confidence":0.8737793,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.05693690851330757},{"word":"yeah","start":1023.95,"end":1024.27,"confidence":0.95996094,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06963521242141724},{"word":"70,000","start":1024.27,"end":1024.99,"confidence":0.9995117,"punctuated_word":"70,000","sentiment":"neutral","sentiment_score":0.09508567303419112},{"word":"instead","start":1024.99,"end":1025.23,"confidence":0.9970703,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.019566737115383148},{"word":"of","start":1025.23,"end":1025.47,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03647815063595772},{"word":"25","start":1025.47,"end":1026.29,"confidence":0.998291,"punctuated_word":"25.","sentiment":"neutral","sentiment_score":0.06095978245139122},{"word":"yep","start":1027.87,"end":1028.37,"confidence":0.7956543,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2075645625591278},{"word":"yep","start":1071.7051,"end":1072.2051,"confidence":0.8347168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0625222772359848},{"word":"no","start":1072.3451,"end":1072.5851,"confidence":0.7783203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0635276734828949},{"word":"that","start":1072.5851,"end":1072.985,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.11952561140060423},{"word":"that","start":1072.985,"end":1073.145,"confidence":0.7060547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22842177748680115},{"word":"sounds","start":1073.145,"end":1073.645,"confidence":0.96435547,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.2143077254295349},{"word":"pretty","start":1073.785,"end":1074.105,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.43628278374671936},{"word":"good","start":1074.105,"end":1074.3451,"confidence":0.7915039,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.43239790201187134},{"word":"though","start":1074.3451,"end":1074.5851,"confidence":0.53808594,"punctuated_word":"though,","sentiment":"positive","sentiment_score":0.34461599588394165},{"word":"to","start":1074.5851,"end":1074.665,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3197852671146393},{"word":"be","start":1074.665,"end":1074.745,"confidence":0.98095703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2586219906806946},{"word":"honest","start":1074.745,"end":1074.985,"confidence":0.7397461,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":0.273212730884552},{"word":"yeah","start":1074.985,"end":1075.2251,"confidence":0.97802734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25184381008148193},{"word":"it's","start":1075.2251,"end":1075.385,"confidence":0.6571045,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19941017031669617},{"word":"sorta","start":1075.385,"end":1075.77,"confidence":0.8092448,"punctuated_word":"sorta.","sentiment":"neutral","sentiment_score":0.2710197865962982},{"word":"been","start":1075.93,"end":1076.09,"confidence":0.9707031,"punctuated_word":"Been","sentiment":"neutral","sentiment_score":0.06778880953788757},{"word":"a","start":1076.09,"end":1076.17,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053276177495718},{"word":"while","start":1076.17,"end":1076.25,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.04261978715658188},{"word":"since","start":1076.25,"end":1076.49,"confidence":0.9951172,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.056666579097509384},{"word":"i","start":1076.49,"end":1076.65,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.049692533910274506},{"word":"looked","start":1076.65,"end":1076.81,"confidence":0.9770508,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.0631796270608902},{"word":"at","start":1076.81,"end":1076.89,"confidence":0.984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06434638053178787},{"word":"the","start":1076.89,"end":1077.05,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06892836093902588},{"word":"documents","start":1077.05,"end":1077.37,"confidence":0.5534668,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.06077205389738083},{"word":"but","start":1077.37,"end":1077.53,"confidence":0.9453125,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.09216392785310744},{"word":"yeah","start":1077.53,"end":1077.77,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.11511553078889848},{"word":"that","start":1077.77,"end":1077.85,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1269410401582718},{"word":"all","start":1077.85,"end":1078.09,"confidence":0.97802734,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.151299387216568},{"word":"sounds","start":1078.09,"end":1078.59,"confidence":0.93603516,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.10371175408363342},{"word":"i'm","start":1078.97,"end":1079.21,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.010425811633467674},{"word":"trying","start":1079.21,"end":1079.4501,"confidence":0.49414062,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.009946413338184357},{"word":"to","start":1079.4501,"end":1079.53,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01378919556736946},{"word":"see","start":1079.53,"end":1079.77,"confidence":0.8774414,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.012157589197158812},{"word":"why","start":1079.77,"end":1080.01,"confidence":0.9716797,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.0008684173226356506},{"word":"why","start":1080.01,"end":1080.25,"confidence":0.90527344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.004624843597412109},{"word":"i","start":1080.25,"end":1080.41,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009306445717811584},{"word":"was","start":1080.41,"end":1080.65,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.032920196652412415},{"word":"on","start":1080.65,"end":1080.73,"confidence":0.55371094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06239815056324005},{"word":"board","start":1080.73,"end":1081.23,"confidence":0.99560547,"punctuated_word":"board.","sentiment":"neutral","sentiment_score":0.06630628556013107},{"word":"i","start":1110.8401,"end":1111.0,"confidence":0.5488281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03470921888947487},{"word":"think","start":1111.0,"end":1111.24,"confidence":0.99121094,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.021911246702075005},{"word":"i","start":1111.24,"end":1111.4,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04195187985897064},{"word":"gave","start":1111.4,"end":1111.64,"confidence":0.9980469,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.03391354903578758},{"word":"him","start":1111.64,"end":1111.9601,"confidence":0.9980469,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.0374663770198822},{"word":"the","start":1111.9601,"end":1112.445,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02860146760940552},{"word":"i","start":1114.0449,"end":1114.205,"confidence":0.73828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028811015188694},{"word":"gave","start":1114.205,"end":1114.445,"confidence":1.0,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.044990427792072296},{"word":"him","start":1114.445,"end":1114.605,"confidence":1.0,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.04474472254514694},{"word":"the","start":1114.605,"end":1114.7649,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047929540276527405},{"word":"bank","start":1114.7649,"end":1115.085,"confidence":0.9819336,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.0649591013789177},{"word":"account","start":1115.085,"end":1115.485,"confidence":0.99609375,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.04032766073942184},{"word":"last","start":1115.485,"end":1115.725,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03687924146652222},{"word":"week","start":1115.725,"end":1116.225,"confidence":0.873291,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.05626814067363739},{"word":"and","start":1117.1649,"end":1117.325,"confidence":0.5161133,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05781641975045204},{"word":"i","start":1117.325,"end":1117.4049,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.050392329692840576},{"word":"think","start":1117.4049,"end":1117.6449,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04641314223408699},{"word":"i","start":1117.6449,"end":1117.8049,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.050462573766708374},{"word":"think","start":1117.8049,"end":1118.0449,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05184397101402283},{"word":"he","start":1118.0449,"end":1118.205,"confidence":0.9980469,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.0916866809129715},{"word":"was","start":1118.205,"end":1118.445,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07858041673898697},{"word":"gonna","start":1118.445,"end":1118.6849,"confidence":0.98828125,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10531016439199448},{"word":"take","start":1118.6849,"end":1118.845,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.10079622268676758},{"word":"it","start":1118.845,"end":1119.005,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08967378735542297},{"word":"out","start":1119.005,"end":1119.1649,"confidence":0.9362793,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.076202392578125},{"word":"like","start":1119.1649,"end":1119.4049,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08047857880592346},{"word":"this","start":1119.4049,"end":1119.6449,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1120600476861},{"word":"friday","start":1119.6449,"end":1120.0449,"confidence":1.0,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":0.10170529037714005},{"word":"or","start":1120.0449,"end":1120.2849,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08642944693565369},{"word":"thursday","start":1120.2849,"end":1120.7649,"confidence":0.9921875,"punctuated_word":"Thursday.","sentiment":"neutral","sentiment_score":0.09285932779312134},{"word":"he","start":1120.7649,"end":1120.9249,"confidence":0.9970703,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.10971616953611374},{"word":"just","start":1120.9249,"end":1121.1649,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08960916101932526},{"word":"he's","start":1121.245,"end":1121.565,"confidence":0.8598633,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.10994824767112732},{"word":"already","start":1121.565,"end":1121.965,"confidence":0.31518555,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.14939036965370178},{"word":"just","start":1121.965,"end":1122.205,"confidence":0.7631836,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11037541925907136},{"word":"waiting","start":1122.205,"end":1122.705,"confidence":0.99121094,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.11047175526618958},{"word":"for","start":1123.565,"end":1123.8049,"confidence":0.9604492,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1151963621377945},{"word":"you","start":1123.8049,"end":1123.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13683807849884033},{"word":"to","start":1123.965,"end":1124.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13043254613876343},{"word":"give","start":1124.125,"end":1124.2849,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.10966438055038452},{"word":"me","start":1124.2849,"end":1124.365,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10597239434719086},{"word":"a","start":1124.365,"end":1124.445,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1021788939833641},{"word":"call","start":1124.445,"end":1124.605,"confidence":0.9116211,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.10064204037189484},{"word":"and","start":1124.605,"end":1124.7649,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09103228896856308},{"word":"then","start":1124.7649,"end":1124.9249,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10602623969316484},{"word":"he","start":1124.9249,"end":1125.005,"confidence":0.99609375,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.10231272876262663},{"word":"said","start":1125.005,"end":1125.1649,"confidence":0.9892578,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.07978654652833939},{"word":"he","start":1125.1649,"end":1125.325,"confidence":0.71875,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.09538065642118454},{"word":"was","start":1125.325,"end":1125.565,"confidence":0.9472656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08971719443798065},{"word":"gonna","start":1125.565,"end":1125.8049,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11280709505081175},{"word":"do","start":1125.8049,"end":1125.8849,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13085614144802094},{"word":"it","start":1125.8849,"end":1126.14,"confidence":0.61987305,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12100400030612946},{"word":"i","start":1126.14,"end":1126.64,"confidence":0.89746094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11477787047624588},{"word":"think","start":1127.98,"end":1128.48,"confidence":0.88256836,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.3000109791755676},{"word":"yeah","start":1139.66,"end":1139.9,"confidence":0.8964844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06881371140480042},{"word":"it's","start":1139.9,"end":1140.14,"confidence":0.7459717,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.49482282996177673},{"word":"fine","start":1140.14,"end":1140.555,"confidence":0.80981445,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.43966490030288696},{"word":"no","start":1151.5951,"end":1151.8351,"confidence":0.96313477,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13777384161949158},{"word":"that's","start":1151.8351,"end":1152.0751,"confidence":0.8330078,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10954615473747252},{"word":"about","start":1152.0751,"end":1152.5751,"confidence":0.9633789,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07776787132024765},{"word":"the","start":1152.7151,"end":1152.875,"confidence":0.88720703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04979078471660614},{"word":"extent","start":1152.875,"end":1153.375,"confidence":0.921875,"punctuated_word":"extent.","sentiment":"neutral","sentiment_score":-0.029770106077194217},{"word":"oh","start":1153.515,"end":1153.755,"confidence":0.91748047,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.1186915636062622},{"word":"boy","start":1153.755,"end":1154.22,"confidence":0.8449707,"punctuated_word":"boy.","sentiment":"neutral","sentiment_score":0.06095825880765915},{"word":"yeah","start":1155.58,"end":1155.82,"confidence":0.7890625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06265439093112946},{"word":"there's","start":1155.82,"end":1155.98,"confidence":0.67211914,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.06285198777914047},{"word":"no","start":1155.98,"end":1156.14,"confidence":0.7011719,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.13374195992946625},{"word":"way","start":1156.14,"end":1156.38,"confidence":0.4296875,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.1323997676372528},{"word":"i","start":1156.38,"end":1156.46,"confidence":0.47314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12510621547698977},{"word":"got","start":1156.46,"end":1156.62,"confidence":0.5390625,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.048235341906547546},{"word":"nothing","start":1156.62,"end":1156.94,"confidence":0.99609375,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.05738066881895065},{"word":"else","start":1156.94,"end":1157.1799,"confidence":0.5283203,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.04218701273202896},{"word":"to","start":1157.1799,"end":1157.4299,"confidence":0.18774414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.048800162971019745},{"word":"that","start":1157.4299,"end":1157.9299,"confidence":0.64123535,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.025821294635534286},{"word":"awesome","start":1171.035,"end":1171.115,"confidence":0.89990234,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.8458430171012878},{"word":"thank","start":1171.115,"end":1171.355,"confidence":0.9589844,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8404875993728638},{"word":"you","start":1171.355,"end":1171.855,"confidence":0.97631836,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.8267661333084106},{"word":"you","start":1175.3269,"end":1175.6469,"confidence":0.8540039,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5615819692611694},{"word":"too","start":1175.6469,"end":1176.1469,"confidence":0.98657227,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.49379295110702515},{"word":"we'll","start":1177.0868,"end":1177.3269,"confidence":0.87280273,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.424213171005249},{"word":"talk","start":1177.3269,"end":1177.5669,"confidence":0.546875,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.5083078742027283},{"word":"to","start":1177.5669,"end":1177.6469,"confidence":0.9707031,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4637763798236847},{"word":"you","start":1177.6469,"end":1177.8069,"confidence":0.97998047,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4196972250938415},{"word":"soon","start":1177.8069,"end":1178.3069,"confidence":0.986084,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.3200562596321106},{"word":"hang","start":1182.2068,"end":1182.4469,"confidence":0.61083984,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":0.17604586482048035},{"word":"on","start":1182.4469,"end":1182.9469,"confidence":0.96972656,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.24631088972091675}],"paragraphs":{"transcript":"\nHello. Jack speaking. Good. Yourself? Yeah.\n\nNot too bad. Yeah. It's probably on back of the back of work sort of thing. So yeah. Yep.\n\nYep. Jack Russell Klinky. Twentieth of the fifth ninety six. 275 Mount Douglas Road. 75.\n\nMount Saltwood. Yeah. Yeah. That's what we're thinking. Yeah.\n\nYeah. Yeah. Yeah. So I think when we talked about it, it was like, this was gonna be a little bit more defensive than a super fund investment. And that yeah.\n\nLike, that way, they just yeah. It's a bit less volatile. Yeah. Yeah. It sounds sounds pretty good.\n\nNo. No concerns, to be honest. That's I'm doing too bad. I mean, yeah, I did hear stories the start of the year with people that were heavily invested in oil and lost. Yeah, a third of their super and stuff like that.\n\nBut no. That sounds alright. And I just wanted to just ask the question is, like, with the with the 25,000, that will is that enough to, like will it get it'll get paid out dividend a couple times a year or something? Is that how they work? Yep.\n\nYep. Yep. Perfect. No. That sounds pretty good.\n\nAnd so of that 25,000, roughly about 6% growth. Is that what you're saying? And Yep. When was the last day on the Yep. I The last question will be so just let us know how much about this sort of stuff.\n\nSo all of the of the 25,000 we put in first up, in a in a year's time, how much money in debt dividends would we be expected to be paid and then reinvested? Yeah. Yep. Yeah. No.\n\nSo I was just like, what how long until I can quit my day job? That's what I was thinking too. Yeah. Yeah. I want the dividends to start paying me some money.\n\nThank you. I already said the $70.70 odd thousand just then. That was this this account, yeah, in five years' time with this plan could potentially have, yeah, 70,000 instead of 25. Yep. Yep.\n\nNo. That that sounds pretty good, though, to be honest. Yeah. It's sorta. Been a while since I looked at the documents, but, yeah, that all sounds I'm trying to see why why I was on board.\n\nI think I gave him the I gave him the bank account last week. And I think I think he was gonna take it out, like, this Friday or Thursday. He just he's already just waiting for you to give me a call, and then he said he was gonna do it. I think. Yeah.\n\nIt's fine. No. That's about the extent. Oh, boy. Yeah.\n\nThere's no way. I got nothing else to that. Awesome. Thank you. You too.\n\nWe'll talk to you soon. Hang on.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.043589334934949875},{"text":"Jack speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.04220559634268284},{"text":"Good.","start":6.3999996,"end":6.8799996,"sentiment":"positive","sentiment_score":0.52851402759552},{"text":"Yourself?","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.37704670429229736},{"text":"Yeah.","start":12.4,"end":12.719999,"sentiment":"neutral","sentiment_score":0.16636759042739868}],"sentiment":"neutral","sentiment_score":0.19998814165592194,"num_words":6,"start":0.96,"end":12.719999},{"sentences":[{"text":"Not too bad.","start":12.719999,"end":13.54,"sentiment":"neutral","sentiment_score":0.20866130789120993},{"text":"Yeah.","start":16.715,"end":17.035,"sentiment":"neutral","sentiment_score":0.16342884302139282},{"text":"It's probably on back of the back of work sort of thing.","start":17.035,"end":19.695,"sentiment":"neutral","sentiment_score":-0.11336046395202477},{"text":"So yeah.","start":20.955,"end":23.615,"sentiment":"neutral","sentiment_score":0.24497336894273758},{"text":"Yep.","start":33.65,"end":34.15,"sentiment":"neutral","sentiment_score":0.2507704496383667}],"sentiment":"neutral","sentiment_score":0.008937072989187743,"num_words":19,"start":12.719999,"end":34.15},{"sentences":[{"text":"Yep.","start":43.545,"end":44.045,"sentiment":"neutral","sentiment_score":0.19595488905906677},{"text":"Jack Russell Klinky.","start":55.329998,"end":56.39,"sentiment":"neutral","sentiment_score":0.010789892791459957},{"text":"Twentieth of the fifth ninety six.","start":56.69,"end":58.71,"sentiment":"neutral","sentiment_score":0.018222499638795853},{"text":"275 Mount Douglas Road.","start":59.25,"end":61.35,"sentiment":"neutral","sentiment_score":0.029090140014886856},{"text":"75.","start":69.649994,"end":70.545,"sentiment":"neutral","sentiment_score":0.04276487976312637}],"sentiment":"neutral","sentiment_score":0.033119000339259706,"num_words":15,"start":43.545,"end":70.545},{"sentences":[{"text":"Mount Saltwood.","start":74.225,"end":75.045,"sentiment":"neutral","sentiment_score":0.012874344363808632},{"text":"Yeah.","start":101.625,"end":102.125,"sentiment":"neutral","sentiment_score":0.016333037987351418},{"text":"Yeah.","start":103.305,"end":103.705,"sentiment":"neutral","sentiment_score":0.0247181486338377},{"text":"That's what we're thinking.","start":103.705,"end":104.685005,"sentiment":"neutral","sentiment_score":0.029095760080963373},{"text":"Yeah.","start":140.065,"end":140.37,"sentiment":"neutral","sentiment_score":0.17438161373138428}],"sentiment":"neutral","sentiment_score":0.039729392156004906,"num_words":9,"start":74.225,"end":140.37},{"sentences":[{"text":"Yeah.","start":152.84999,"end":153.195,"sentiment":"neutral","sentiment_score":0.154463529586792},{"text":"Yeah.","start":167.51999,"end":167.92,"sentiment":"neutral","sentiment_score":0.02058614231646061},{"text":"Yeah.","start":167.92,"end":168.23999,"sentiment":"neutral","sentiment_score":0.012612482532858849},{"text":"So I think when we talked about it, it was like, this was gonna be a little bit more defensive than a super fund investment.","start":168.23999,"end":176.01999,"sentiment":"neutral","sentiment_score":-0.10698874488472938},{"text":"And that yeah.","start":177.28,"end":178.15999,"sentiment":"neutral","sentiment_score":0.032987941056489944}],"sentiment":"neutral","sentiment_score":-0.07703524659718236,"num_words":31,"start":152.84999,"end":178.15999},{"sentences":[{"text":"Like, that way, they just yeah.","start":178.15999,"end":181.395,"sentiment":"neutral","sentiment_score":0.04121824912726879},{"text":"It's a bit less volatile.","start":181.395,"end":183.41501,"sentiment":"neutral","sentiment_score":-0.057139110565185544},{"text":"Yeah.","start":239.265,"end":239.585,"sentiment":"neutral","sentiment_score":0.1307070553302765},{"text":"Yeah.","start":239.585,"end":239.825,"sentiment":"neutral","sentiment_score":0.14428694546222687},{"text":"It sounds sounds pretty good.","start":239.825,"end":241.445,"sentiment":"positive","sentiment_score":0.33565175235271455}],"sentiment":"neutral","sentiment_score":0.10638148358298673,"num_words":18,"start":178.15999,"end":241.445},{"sentences":[{"text":"No.","start":459.63,"end":459.87,"sentiment":"neutral","sentiment_score":-0.02371601201593876},{"text":"No concerns, to be honest.","start":459.87,"end":461.15,"sentiment":"neutral","sentiment_score":-0.058736550807952884},{"text":"That's I'm doing too bad.","start":461.15,"end":462.87,"sentiment":"neutral","sentiment_score":-0.12294417545199395},{"text":"I mean, yeah, I did hear stories the start of the year with people that were heavily invested in oil and lost.","start":462.87,"end":468.795,"sentiment":"neutral","sentiment_score":-0.07819633727723901},{"text":"Yeah, a third of their super and stuff like that.","start":469.195,"end":472.655,"sentiment":"neutral","sentiment_score":-0.05212232284247875}],"sentiment":"neutral","sentiment_score":-0.07380609981022603,"num_words":43,"start":459.63,"end":472.655},{"sentences":[{"text":"But no.","start":473.595,"end":475.755,"sentiment":"neutral","sentiment_score":-0.05604560300707818},{"text":"That sounds alright.","start":475.755,"end":476.55502,"sentiment":"neutral","sentiment_score":-0.05195731297135353},{"text":"And I just wanted to just ask the question is, like, with the with the 25,000, that will is that enough to, like will it get it'll get paid out dividend a couple times a year or something?","start":476.55502,"end":490.06,"sentiment":"neutral","sentiment_score":0.03463261172567543},{"text":"Is that how they work?","start":490.06,"end":491.19998,"sentiment":"neutral","sentiment_score":0.05631640553474426},{"text":"Yep.","start":505.145,"end":505.645,"sentiment":"neutral","sentiment_score":0.2023884505033493}],"sentiment":"neutral","sentiment_score":0.031266256710704494,"num_words":49,"start":473.595,"end":505.645},{"sentences":[{"text":"Yep.","start":508.585,"end":508.71,"sentiment":"positive","sentiment_score":0.567616879940033},{"text":"Yep.","start":555.175,"end":555.675,"sentiment":"neutral","sentiment_score":0.25981736183166504},{"text":"Perfect.","start":555.735,"end":556.235,"sentiment":"positive","sentiment_score":0.5846297740936279},{"text":"No.","start":598.57,"end":598.81,"sentiment":"neutral","sentiment_score":-0.10584647953510284},{"text":"That sounds pretty good.","start":598.81,"end":600.35,"sentiment":"neutral","sentiment_score":0.2904222793877125}],"sentiment":"neutral","sentiment_score":0.3084883317351341,"num_words":8,"start":508.585,"end":600.35},{"sentences":[{"text":"And so of that 25,000, roughly about 6% growth.","start":600.49,"end":606.525,"sentiment":"neutral","sentiment_score":0.19863926702075535},{"text":"Is that what you're saying?","start":606.525,"end":607.66504,"sentiment":"neutral","sentiment_score":0.13896212577819825},{"text":"And Yep.","start":608.685,"end":673.23004,"sentiment":"neutral","sentiment_score":0.033636546693742275},{"text":"When was the last day on the Yep.","start":674.09,"end":731.46,"sentiment":"neutral","sentiment_score":0.012359068845398724},{"text":"I The last question will be so just let us know how much about this sort of stuff.","start":856.34503,"end":863.27,"sentiment":"neutral","sentiment_score":0.09986712204085456}],"sentiment":"neutral","sentiment_score":0.10586471126104395,"num_words":42,"start":600.49,"end":863.27},{"sentences":[{"text":"So all of the of the 25,000 we put in first up, in a in a year's time, how much money in debt dividends would we be expected to be paid and then reinvested?","start":863.81006,"end":877.205,"sentiment":"neutral","sentiment_score":0.09003934406620615},{"text":"Yeah.","start":880.30505,"end":880.80505,"sentiment":"neutral","sentiment_score":-0.02453656867146492},{"text":"Yep.","start":900.32,"end":900.795,"sentiment":"neutral","sentiment_score":0.13411343097686768},{"text":"Yeah.","start":984.225,"end":984.725,"sentiment":"neutral","sentiment_score":-0.0822649747133255},{"text":"No.","start":985.825,"end":986.305,"sentiment":"neutral","sentiment_score":-0.2680208683013916}],"sentiment":"neutral","sentiment_score":0.07422707151425512,"num_words":38,"start":863.81006,"end":986.305},{"sentences":[{"text":"So I was just like, what how long until I can quit my day job?","start":986.305,"end":989.105,"sentiment":"neutral","sentiment_score":-0.28069933454195656},{"text":"That's what I was thinking too.","start":989.105,"end":990.485,"sentiment":"neutral","sentiment_score":-0.2038013165195783},{"text":"Yeah.","start":995.73,"end":996.20996,"sentiment":"neutral","sentiment_score":0.07462023198604584},{"text":"Yeah.","start":996.20996,"end":996.70996,"sentiment":"neutral","sentiment_score":0.1503983438014984},{"text":"I want the dividends to start paying me some money.","start":998.85,"end":1001.43,"sentiment":"positive","sentiment_score":0.4761464625597}],"sentiment":"neutral","sentiment_score":-0.013539839874614368,"num_words":33,"start":986.305,"end":1001.43},{"sentences":[{"text":"Thank you.","start":1002.76996,"end":1003.425,"sentiment":"positive","sentiment_score":0.5469794869422913},{"text":"I already said the $70.70 odd thousand just then.","start":1014.225,"end":1017.125,"sentiment":"neutral","sentiment_score":0.014895484472314516},{"text":"That was this this account, yeah, in five years' time with this plan could potentially have, yeah, 70,000 instead of 25.","start":1017.345,"end":1026.29,"sentiment":"neutral","sentiment_score":0.06741758267439547},{"text":"Yep.","start":1027.87,"end":1028.37,"sentiment":"neutral","sentiment_score":0.2075645625591278},{"text":"Yep.","start":1071.7051,"end":1072.2051,"sentiment":"neutral","sentiment_score":0.0625222772359848}],"sentiment":"neutral","sentiment_score":0.08570218853214208,"num_words":34,"start":1002.76996,"end":1072.2051},{"sentences":[{"text":"No.","start":1072.3451,"end":1072.5851,"sentiment":"neutral","sentiment_score":0.0635276734828949},{"text":"That that sounds pretty good, though, to be honest.","start":1072.5851,"end":1074.985,"sentiment":"neutral","sentiment_score":0.29190797607103985},{"text":"Yeah.","start":1074.985,"end":1075.2251,"sentiment":"neutral","sentiment_score":0.25184381008148193},{"text":"It's sorta.","start":1075.2251,"end":1075.77,"sentiment":"neutral","sentiment_score":0.2352149784564972},{"text":"Been a while since I looked at the documents, but, yeah, that all sounds I'm trying to see why why I was on board.","start":1075.93,"end":1081.23,"sentiment":"neutral","sentiment_score":0.053181883646175265}],"sentiment":"neutral","sentiment_score":0.1267388765574307,"num_words":37,"start":1072.3451,"end":1081.23},{"sentences":[{"text":"I think I gave him the I gave him the bank account last week.","start":1110.8401,"end":1116.225,"sentiment":"neutral","sentiment_score":0.0402473992268954},{"text":"And I think I think he was gonna take it out, like, this Friday or Thursday.","start":1117.1649,"end":1120.7649,"sentiment":"neutral","sentiment_score":0.07954442454501987},{"text":"He just he's already just waiting for you to give me a call, and then he said he was gonna do it.","start":1120.7649,"end":1126.14,"sentiment":"neutral","sentiment_score":0.10951630500229922},{"text":"I think.","start":1126.14,"end":1128.48,"sentiment":"neutral","sentiment_score":0.20739442482590675},{"text":"Yeah.","start":1139.66,"end":1139.9,"sentiment":"neutral","sentiment_score":0.06881371140480042}],"sentiment":"neutral","sentiment_score":0.08598428460007364,"num_words":55,"start":1110.8401,"end":1139.9},{"sentences":[{"text":"It's fine.","start":1139.9,"end":1140.555,"sentiment":"positive","sentiment_score":0.46724386513233185},{"text":"No.","start":1151.5951,"end":1151.8351,"sentiment":"neutral","sentiment_score":-0.13777384161949158},{"text":"That's about the extent.","start":1151.8351,"end":1153.375,"sentiment":"neutral","sentiment_score":-0.06671872921288013},{"text":"Oh, boy.","start":1153.515,"end":1154.22,"sentiment":"neutral","sentiment_score":0.08982491120696068},{"text":"Yeah.","start":1155.58,"end":1155.82,"sentiment":"neutral","sentiment_score":0.06265439093112946}],"sentiment":"neutral","sentiment_score":0.07721431851387024,"num_words":10,"start":1139.9,"end":1155.82},{"sentences":[{"text":"There's no way.","start":1155.82,"end":1156.38,"sentiment":"neutral","sentiment_score":-0.10966457178195317},{"text":"I got nothing else to that.","start":1156.38,"end":1157.9299,"sentiment":"neutral","sentiment_score":-0.057921782756845154},{"text":"Awesome.","start":1171.035,"end":1171.115,"sentiment":"positive","sentiment_score":0.8458430171012878},{"text":"Thank you.","start":1171.115,"end":1171.855,"sentiment":"positive","sentiment_score":0.8336268663406372},{"text":"You too.","start":1175.3269,"end":1176.1469,"sentiment":"positive","sentiment_score":0.5276874601840973}],"sentiment":"neutral","sentiment_score":0.20656766130455903,"num_words":14,"start":1155.82,"end":1176.1469},{"sentences":[{"text":"We'll talk to you soon.","start":1177.0868,"end":1178.3069,"sentiment":"positive","sentiment_score":0.4272101819515228},{"text":"Hang on.","start":1182.2068,"end":1182.9469,"sentiment":"neutral","sentiment_score":0.21117837727069855}],"sentiment":"positive","sentiment_score":0.365486809185573,"num_words":7,"start":1177.0868,"end":1182.9469}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jack speaking.\n\nChannel 0: Hi, Jack. It's Dana from Oakley Financial. How are you this afternoon?\n\nChannel 1: Good. Yourself?\n\nChannel 0: I'm very well. Thank you. How's everything been going for yourself at the moment?\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: Fantastic. I\n\nChannel 1: Yeah. It's probably\n\nChannel 0: sorry.\n\nChannel 1: on back of the back of work sort of thing.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So\n\nChannel 0: Working hard as always.\n\nChannel 1: yeah.\n\nChannel 0: Excellent. Jack, I had you booked in just for a bit of a quick catch up in relation to the investment account that we had provided advice on earlier in the year. Is now still a good time there for you? Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do a quick security check, just because I am discussing your personal information, if I can get you to confirm your full name, your date of birth, and address I should have on file?\n\nChannel 1: Jack Russell Klinky. Twentieth\n\nChannel 0: Yeah.\n\nChannel 1: of the fifth ninety six.\n\nChannel 0: Yep.\n\nChannel 1: 275 Mount Douglas Road.\n\nChannel 0: Beautiful. Thank you. Yep. Beautiful. I'm just double checking.\n\nSo your address you have was to\n\nChannel 1: 75.\n\nChannel 0: what was the street address?\n\nChannel 1: Mount Saltwood.\n\nChannel 0: Yes. So sorry. My phone cut out. I couldn't quite hear what you said. My apologies.\n\nJust making sure I had it correctly. Thank you so much for that. All good. Jack, so my colleague Jack has booked you in just to kind of have a bit a catch up. He may have mentioned that we'd obviously hold off on that investment account because you'd purchased the other property there.\n\nYou had a lot going on at the time, but he may have mentioned to me that you are wanting to maybe proceed with that now. Is that right, or how are your thoughts going with regards\n\nChannel 1: Yeah.\n\nChannel 0: to the investment account?\n\nChannel 1: Yeah. That's what we're thinking.\n\nChannel 0: Yeah. Yep. That's okay. So just sort of going back over the recommendation just to sort of reconfigure it, and I'm more than happy to email you a copy of the advice document again just so you're able to kinda run your eyes back over it. But, essentially, it was establishing a Hub twenty four investment account, a personal investment account within Hub twenty four there.\n\nWe can link that to your super there as well. That way, everything is linked in the back end, and it can help to reduce fees and things like that in the back end as well. The initial deposit that you were comfortable with at the time was about 25,000. Are you still comfortable with that initial deposit going in?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. That's okay. And then it was a regular investment of $400 on a monthly basis debited into the account for dollar cost averaging. Are you still fairly comfortable with that amount?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. One of the things he may have mentioned to me was that you were just wanting to kind of reevaluate the investment, the investments within the portfolio. It was recommended as well to make sure that they were still appropriate. Is that correct?\n\nChannel 1: Yeah. Yeah. So I think when we talked about it, it was like, this was gonna be a little bit more defensive than a super fund investment.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: And that yeah. Like, that way, they just yeah. It's a bit less volatile.\n\nChannel 0: Yeah. Yeah. Yeah. Correct. Yep.\n\nSo, essentially, we were looking at the balanced growth environment. So that technically sees or generally sees around about 70% of your investment funds invested in growth assets. So you're still looking at things like Australian and international shares, listed property, and also commodities like gold and silver, and then having defensive investments around about 30% invested there. So it is a lower risk profile than what you have in your super, but I do tend to find that when we talk about personal investments, we wanna be a less risky in those sorts of areas just because we're super. We can't access that money until, essentially, the age of 60 at the earliest possible point so far.\n\nSo with money that is in our personal name, that tends to be something we wanna take a bit less risk on because we can access those funds if we need to and withdraw them at an earlier point if we need to as well. Does that still feel like it's in your comfort level there?\n\nChannel 1: Yeah. Yeah. It sounds sounds\n\nChannel 0: Yeah.\n\nChannel 1: pretty good.\n\nChannel 0: Yeah. Beautiful. We're just sort of running my eyes over the investments recommended. So we'd see about 4% invested in cybersecurity. We're still recommending cybersecurity in our portfolios, and it is still a great place to be.\n\nThis beta share of cybersecurity is still giving you global exposure, so it is global cybersecurity there as well. We still see 7% in the European exposure with the iShares Europe ETF, and that is still good. It is still giving you exposure to all 16 European countries, so diversification there. And we're still seeing some good growth out of that area. This also does see about 3% invested in the Japanese ETF as well.\n\nWith everything it has gone on over the past few months with the Iraq so the Iran and the US war, plus the ups and downs we've seen in the market this year, Japan is still a good place to be invested. I know the Japanese actually looked after their citizens very well. They had a nice stockpile of a few ready to go, and they were one of the best well prepared countries for what we just went through. So it is still a really good place to be invested there. And then we do also have the Vanguard All World ex US ETF, which is giving you the A.\n\nWe would see 7% invested in that investment. Again, we're looking at diversification. So, essentially, spreading the risk of across the entire globe, which is appropriate for lowering as much risk as market risk as much as possible, but also making sure we're providing getting growth from as many different countries as possible. We would also then see, because that investment doesn't include The United States Of America, the S and P 500, which is giving you exposure to the top 500 companies in The US. As much as we still have seen the ups and downs in the market there, it is still appropriate to be invested in that area.\n\nWe have still seen some really good growth, and even with everything they've gone through, The US is still providing good returns. So we've would be investing 25% in there. And then we've also got the beta shares Australian 200, so giving you exposure to the top 200 companies on the ASX. And that's a more of a passively managed fund, which is great. We're still seeing good returns from that investment, and we'd hold about 20% on the Australian market there.\n\nAnd then we'd also have about 10% sitting in a global physical gold, so giving you exposure to physical gold, which is a growth asset, but it's also defensive in nature. So gold is it always gets growth. We all love a little bit of gold. But then whenever equities have a bit of a downtime, just people tend to use gold as a bit of a safe haven. So it can act defensively when it needs to as well, which is great.\n\nAnd then we've just got the defensive investments within this sort of portfolio. So core composite bonds giving you exposure to the bonds within associate government and corporate bonds. It's also giving you exposure to physical notes and other bank notes and fixed interest across the globe as well. So it is a good investment to still have in there. BetaShares Bank Hybrid, that one is still appropriate for the time being down the track that may be worth removing out.\n\nBut at the moment, it's it's seen as a defensive asset, but it it does get really good growth as well. So it is still fairly appropriate to have in the portfolio currently there. Did you feel like any of those would need to be sorta changed out? Do you have any concerns about any of those investments or any questions at all?\n\nChannel 1: No. No concerns, to be honest. That's I'm\n\nChannel 0: Yeah.\n\nChannel 1: doing too bad. I mean, yeah, I did hear stories the start of the year with people that were heavily invested in oil and lost. Yeah, a third of their super and stuff like that. But\n\nChannel 0: Yeah. No.\n\nChannel 1: no. That sounds alright. And I just wanted\n\nChannel 0: That sounds\n\nChannel 1: to just\n\nChannel 0: okay.\n\nChannel 1: ask the question is, like,\n\nChannel 0: Of course.\n\nChannel 1: with the with the 25,000, that will is that enough to, like will it get it'll get paid out dividend a couple\n\nChannel 0: Mhmm.\n\nChannel 1: times a year\n\nChannel 0: Yeah.\n\nChannel 1: or something? Is that how they work?\n\nChannel 0: Yeah. Yeah. Absolutely. So all those investments are ETFs, so they do all pay out dividends and income as well as as well as getting growth. So those dividends will be paid out to your cash account within the investment, and we'll have those reinvested back into\n\nChannel 1: Yep.\n\nChannel 0: the portfolio for compounding effects. So, yeah, dividends\n\nChannel 1: Yep.\n\nChannel 0: are absolutely something we'd like to consider. When we look at a portfolio, we wanna make sure you're getting both growth and income out of that. The other thing I just like to make sure you are aware, and then you invested in your own name as well anyways, so you're probably aware of the tax side of things. But every year, at the end of the tax year, you will get a tax statement for the investment portfolio, and that will outline all the information that your account needs to include in your tax return there for you as well. So growth income, any overseas income that's being paid out that needs to kind of be, you know, accounted for, any deductions that, you know, within the funds that that can be accounted for as well.\n\nAll that is provided in a tax statement at the end of the year, and that just gets given to your accountant and they can include that in your personal tax return as well. Okay?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep. Beautiful. The only other thing to sort of make mention was, obviously, with this one here, we essentially did have the ongoing remuneration side of things. So we do charge 1.10% from the investment account based on the the advice and what we had sort of looked at. This year, we're expecting $313 to be paid from that account.\n\nThat's for looking after the investment account, and that only ever gets charged when the money goes in. So once the money goes into the investment account, then we start charging the ongoing service fee for that, and we'll review that with you on a yearly basis the same as we will with your super as well. But do you have any questions in relation to any of that? Is there any concerns at all? Or\n\nChannel 1: No. That sounds pretty good.\n\nChannel 0: Yeah.\n\nChannel 1: And so\n\nChannel 0: Yep. That's\n\nChannel 1: of that 25,000, roughly about 6% growth. Is that what you're saying?\n\nChannel 0: so\n\nChannel 1: And\n\nChannel 0: when we kind of had the projected outcome, we were looking at so the the balanced growth portfolio at the time had a five year rolling average of around about sort of 16.55%. Obviously, I don't expect you to get that percent every year because markets do go up and down. But, essentially, what we are sort of looking for between the balanced growth environment, we are sort of wanting around about six to 8% on a yearly basis and having that compounded forward. So if you can get in between that sort of six to 8% every year and compounding that over time, that provides you with a really good rate of return and a good amount of growth. However, in that balanced growth environment, we do expect a negative year to be likely around about whenever every six years or so.\n\nSo there will be a time when maybe the investment doesn't perform as well or there there there is a negative return or the returns are a bit lower than expected, and that's just due to normal market volatility. But we will kinda go through things with you each year and revisit the portfolio and update and make changes when we need to as well if that helps.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: When was the last day on the\n\nChannel 0: So this portfolio, the last time I mean, we've had a few downs this year as well. So the market around about sort of a March to April, we saw between a two to 3% dip in the market with what was happening. But since then, the market has come out and actually showing really good growth, and we are still seeing positive returns from that. Other than that, '22 and '23, we saw quite a bit of up and down. And then late last year in 2025, we also had pretty heavy dip with the tariffs that was going into place.\n\nSo, realistically, overall, these portfolios haven't really had just thinking the last proper negative year was at least about three years ago. Since then, every year, we have sort of generated positive returns overall, although the positive returns may have been a little bit lower than expected with the amount of volatility in the market. So, realistically,\n\nChannel 1: Yep.\n\nChannel 0: if this sort of portfolio can generate you know, can show by research as average 16.55% over the past five years, even with the amount of volatility that we have gone through and seen in the past five years, then it sort of shows you that this portfolio has withstood those ups and downs, and it can generate those kinds of returns moving forward if given the same market conditions in the past. Realistically, I just wanna make sure you are getting at least that to 8% on a yearly basis, but it is an expectation that markets will go up and will go down. And, look, I can tell you what what I have seen in the past and where the volatility has kinda hit and what kind of average returns we've seen, but it also comes down to what happens with it moving forward. So just making sure that we do put the sorry. Just making sure that we do obviously put the the the money in on a regular basis, the dollar cost averaging even through the down times.\n\nWhen the market aren't performing really well, I do find a lot of people ringing and go, hey. I wanna kinda stop those contributions going in. But in all honesty, that's the best time. If you do see a bit of a market dip, we do have a bit of a downtime. Just keep that money going into the portfolio.\n\nTake advantage of that, and you'll buy more units to those investments. Everyone always says, you know, buy low, sell high, but it is the hardest time to convince yourself to do it. But if you ring me, I'll be telling you to keep going and keep buying, keep investing, and take advantage of those downtimes because in all honesty, that's what I do. I see a downtime, and I get a little bit excited. So it gives it's essentially just a bit of a buying opportunity.\n\nAnd the other thing is these investments have always stood those ups and downs. They've been through times like COVID and the GFC, and they've withstood that. So we wanna make sure that you're in quality investments that are being through the ups and downs that can withstand that and that you're in a in a environment that you're comfortable with as well. But I'm more than happy to send this through to you as well if you like just so you can run your eyes over that one. You can have a bit of a look at it, and let me know if there are any additional questions there at all.\n\nChannel 1: I The last question will be\n\nChannel 0: Of course.\n\nChannel 1: so just let us know how much about this sort of stuff.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: all of the of the 25,000 we put in first up,\n\nChannel 0: Yes.\n\nChannel 1: in a in a year's time, how much\n\nChannel 0: Mhmm.\n\nChannel 1: money in debt dividends would we be expected to be paid and then reinvested?\n\nChannel 0: It's really hard to kinda tell you that answer\n\nChannel 1: Yeah.\n\nChannel 0: just because when we're looking at growth, we're looking at the overall, so income plus growth. The research we get, unfortunately, doesn't break down income aside from growth, and dividends change. So, essentially, the ETFs every couple of months, a lot of the Vanguard and iShares ETFs pay dividends on a biannually or quarterly basis, and they actually all\n\nChannel 1: Yep.\n\nChannel 0: come out a few a few weeks prior to the dividend period to say how much they're gonna pay in dividends. So those dividends do change on a regular basis. You tend to get a few cents or a few dollars per share. So it is very hard to kinda confirm that for you just because it's it is up to the investment company at the time that the dividends are due. But what I'd be probably looking at trying to do for you is just to kinda look get it started for the first year, have a really good look at it.\n\nWe could maybe touch base in six months' time and see where things are tracking and then do a full year kind of review of things, see if there's any changes that needs to be made, look at what the income is that's being generated on a regular basis for you just with the projection table. And I know this is just a projection table, but that does look at the but that does look at the expected with the five year rolling average and the fees there, that over the next sort of five years, you could end up with about 73,000 sitting in super by considering the growth, the income, and the additional cost of having the investment account open. So that is the projected outcome over the next five years. We can definitely review that to see whether you're on track for that or whether changes need to be made, but I am really sorry, Jack. I can't break down the income expectation away from the growth.\n\nI'd love to be able to do that, but if I could do that, I could probably, you know, be just day trading myself. It wouldn't have\n\nChannel 1: Yeah.\n\nChannel 0: to work.\n\nChannel 1: No. So I was just like, what how long until I can quit my day job? That's what I was thinking too.\n\nChannel 0: Yeah. No. Definitely. I mean, you guys have got another baby coming, don't you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I want\n\nChannel 0: Congratulations\n\nChannel 1: the dividends to\n\nChannel 0: on\n\nChannel 1: start\n\nChannel 0: that as\n\nChannel 1: paying\n\nChannel 0: well.\n\nChannel 1: me some money.\n\nChannel 0: Absolutely.\n\nChannel 1: Thank you.\n\nChannel 0: No. That's okay. That's not a problem. Did you want me to re email the document through to you so you can run your eyes over it? How would you like to proceed?\n\nAnd do you have any other questions at all?\n\nChannel 1: I already said the $70.70 odd thousand just then. That was\n\nChannel 0: Yeah.\n\nChannel 1: this this account, yeah, in five years' time\n\nChannel 0: Yep.\n\nChannel 1: with this plan could potentially have, yeah, 70,000 instead of 25.\n\nChannel 0: Yeah. Correct. Yes.\n\nChannel 1: Yep.\n\nChannel 0: So starting with that 25 and then dollar cost averaging that $100 per week or essentially 4,800 over the course of the year. It is also not limited to that. If you find you have some extra money you wanna whack in there at any point, you can. Unlike your sleep, you're not limited with your personal investment account. So you can be putting in more if you want to at any point in time.\n\nBut, yeah, just for the projected outcome, that's what we kinda have projected with the advice document. But it does come down to how markets react over time, and we'll keep kinda reviewing that with you on a regular basis and see where we're tracking for. But, also, these investments, you know, they work really well now, but they might, in a year or two or three's time, need to be updated, in which case we'll probably do a bit of a switch out and see where that tracks for as well. Yeah.\n\nChannel 1: Yep. No. That that sounds\n\nChannel 0: Beautiful.\n\nChannel 1: pretty good, though, to be honest. Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: It's sorta. Been a while since I looked at the documents, but, yeah, that all sounds\n\nChannel 0: Yeah.\n\nChannel 1: I'm trying\n\nChannel 0: That's\n\nChannel 1: to see why why I was on board.\n\nChannel 0: okay. Fantastic. Well, I'm happy to I'll take this document, and I'll email it through to you now. That way, you do have a copy there. It is the one that you signed as well, so you can definitely see everything.\n\nLet me know if you do happen to have any questions there. And are you happy if I get, Jack to maybe, organize and send you the bank the the details to have the transfer done in, or did you wanna set it up direct debit? How would you like to kind of proceed with the deposits?\n\nChannel 1: I think I gave him the I gave him the bank account last week.\n\nChannel 0: Okay.\n\nChannel 1: And I think I think he was gonna take it out, like, this Friday or Thursday. He just he's already just waiting for you to give me a call, and then he said he was gonna do it. I\n\nChannel 0: Yep. Beautiful. Not a problem\n\nChannel 1: think.\n\nChannel 0: at all. I'll let Jack know that we've spoken, that you're happy to proceed, and I'll get him just to follow-up, let you know if there's anything else that needs to be signed and to have that deposit organized there for you. Is that okay?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Yep. Let him thank you so much for that. Do you have any other questions or anything else you need from me at the moment at all? You're welcome to ask me anything you like.\n\nChannel 1: No. That's about the extent. Oh, boy. Yeah. There's no way.\n\nI got nothing else to that.\n\nChannel 0: No. That's okay. I'm just emailing you the document now, so it should come through very shortly. When you do get a hold of it, you're welcome to run your eyes over it, and I'll let Jack know that you're happy to proceed and move forward with that. Okay.\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: My pleasure, Jack. I hope you have a great day.\n\nChannel 1: You too.\n\nChannel 0: Thanks\n\nChannel 1: We'll\n\nChannel 0: for\n\nChannel 1: talk\n\nChannel 0: taking\n\nChannel 1: to you soon.\n\nChannel 0: my call. Will do. Thank you so much. I'll talk to you soon. See you later.\n\nChannel 1: Hang on.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.043589334934949875},{"text":"Jack speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.04220559634268284}],"sentiment":"neutral","sentiment_score":0.042666842540105186,"channel":1,"num_words":3,"start":0.96,"end":2.1},{"sentences":[{"text":"Hi, Jack.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.20048632472753525},{"text":"It's Dana from Oakley Financial.","start":3.1999998,"end":4.9,"sentiment":"neutral","sentiment_score":0.22841846346855163},{"text":"How are you this afternoon?","start":4.96,"end":6.1,"sentiment":"neutral","sentiment_score":0.29565314650535585}],"sentiment":"neutral","sentiment_score":0.2517775582770507,"channel":0,"num_words":12,"start":2.6399999,"end":6.1},{"sentences":[{"text":"Good.","start":6.3999996,"end":6.8799996,"sentiment":"positive","sentiment_score":0.52851402759552},{"text":"Yourself?","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.37704670429229736}],"sentiment":"positive","sentiment_score":0.4527803659439087,"channel":1,"num_words":2,"start":6.3999996,"end":7.3799996},{"sentences":[{"text":"I'm very well.","start":7.7599998,"end":8.72,"sentiment":"positive","sentiment_score":0.662377119064331},{"text":"Thank you.","start":8.72,"end":9.28,"sentiment":"positive","sentiment_score":0.698027640581131},{"text":"How's everything been going for yourself at the moment?","start":9.28,"end":11.94,"sentiment":"positive","sentiment_score":0.3365943133831024}],"sentiment":"positive","sentiment_score":0.4580382470573698,"channel":0,"num_words":14,"start":7.7599998,"end":11.94},{"sentences":[{"text":"Yeah.","start":12.4,"end":12.719999,"sentiment":"neutral","sentiment_score":0.16636759042739868},{"text":"Not too bad.","start":12.719999,"end":13.54,"sentiment":"neutral","sentiment_score":0.20866130789120993}],"sentiment":"neutral","sentiment_score":0.1980878785252571,"channel":1,"num_words":4,"start":12.4,"end":13.54},{"sentences":[{"text":"Fantastic.","start":14.16,"end":14.66,"sentiment":"positive","sentiment_score":0.5315548777580261},{"text":"I","start":14.96,"end":15.255,"sentiment":"neutral","sentiment_score":0.23707348108291623}],"sentiment":"positive","sentiment_score":0.3843141794204712,"channel":0,"num_words":2,"start":14.16,"end":15.255},{"sentences":[{"text":"Yeah.","start":16.715,"end":17.035,"sentiment":"neutral","sentiment_score":0.16342884302139282},{"text":"It's probably","start":17.035,"end":17.595,"sentiment":"neutral","sentiment_score":-0.07458584569394588}],"sentiment":"neutral","sentiment_score":0.004752383877833684,"channel":1,"num_words":3,"start":16.715,"end":17.595},{"sentences":[{"text":"sorry.","start":17.575,"end":18.075,"sentiment":"neutral","sentiment_score":-0.15700584650039673}],"sentiment":"neutral","sentiment_score":-0.15700584650039673,"channel":0,"num_words":1,"start":17.575,"end":18.075},{"sentences":[{"text":"on back of the back of work sort of thing.","start":17.595,"end":19.695,"sentiment":"neutral","sentiment_score":-0.12111538760364056}],"sentiment":"neutral","sentiment_score":-0.12111538760364056,"channel":1,"num_words":10,"start":17.595,"end":19.695},{"sentences":[{"text":"Yep.","start":19.415,"end":19.915,"sentiment":"neutral","sentiment_score":0.05232170224189758},{"text":"Yep.","start":20.295,"end":20.795,"sentiment":"neutral","sentiment_score":0.1000170037150383}],"sentiment":"neutral","sentiment_score":0.07616935297846794,"channel":0,"num_words":2,"start":19.415,"end":20.795},{"sentences":[{"text":"So","start":20.955,"end":21.455,"sentiment":"neutral","sentiment_score":0.1856227070093155}],"sentiment":"neutral","sentiment_score":0.1856227070093155,"channel":1,"num_words":1,"start":20.955,"end":21.455},{"sentences":[{"text":"Working hard as always.","start":21.015,"end":22.315,"sentiment":"positive","sentiment_score":0.3696717321872711}],"sentiment":"positive","sentiment_score":0.3696717321872711,"channel":0,"num_words":4,"start":21.015,"end":22.315},{"sentences":[{"text":"yeah.","start":23.115,"end":23.615,"sentiment":"neutral","sentiment_score":0.30432403087615967}],"sentiment":"neutral","sentiment_score":0.30432403087615967,"channel":1,"num_words":1,"start":23.115,"end":23.615},{"sentences":[{"text":"Excellent.","start":24.215,"end":24.715,"sentiment":"positive","sentiment_score":0.5516144037246704},{"text":"Jack, I had you booked in just for a bit of a quick catch up in relation to the investment account that we had provided advice on earlier in the year.","start":25.015,"end":31.380001,"sentiment":"neutral","sentiment_score":0.24495608383609402},{"text":"Is now still a good time there for you?","start":31.380001,"end":33.3,"sentiment":"neutral","sentiment_score":0.28897204664018417},{"text":"Fantastic.","start":33.3,"end":33.8,"sentiment":"positive","sentiment_score":0.46178263425827026}],"sentiment":"neutral","sentiment_score":0.2668520013491313,"channel":0,"num_words":42,"start":24.215,"end":33.8},{"sentences":[{"text":"Yep.","start":33.65,"end":34.15,"sentiment":"neutral","sentiment_score":0.2507704496383667}],"sentiment":"neutral","sentiment_score":0.2507704496383667,"channel":1,"num_words":1,"start":33.65,"end":34.15},{"sentences":[{"text":"And just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":35.62,"end":40.34,"sentiment":"neutral","sentiment_score":0.18642190811426743},{"text":"Are you happy for me to proceed with that moving forward?","start":40.34,"end":43.0,"sentiment":"positive","sentiment_score":0.34511159089478577}],"sentiment":"neutral","sentiment_score":0.2377626878373763,"channel":0,"num_words":34,"start":35.62,"end":43.0},{"sentences":[{"text":"Yep.","start":43.545,"end":44.045,"sentiment":"neutral","sentiment_score":0.19595488905906677}],"sentiment":"neutral","sentiment_score":0.19595488905906677,"channel":1,"num_words":1,"start":43.545,"end":44.045},{"sentences":[{"text":"Fantastic.","start":44.525,"end":45.005,"sentiment":"positive","sentiment_score":0.4254904985427856},{"text":"And just to do a quick security check, just because I am discussing your personal information, if I can get you to confirm your full name, your date of birth, and address I should have on file?","start":45.005,"end":52.625,"sentiment":"neutral","sentiment_score":0.16270396536266482}],"sentiment":"neutral","sentiment_score":0.1696194004463522,"channel":0,"num_words":38,"start":44.525,"end":52.625},{"sentences":[{"text":"Jack Russell Klinky.","start":55.329998,"end":56.39,"sentiment":"neutral","sentiment_score":0.010789892791459957},{"text":"Twentieth","start":56.69,"end":57.19,"sentiment":"neutral","sentiment_score":0.014346979558467863}],"sentiment":"neutral","sentiment_score":0.011679164483211935,"channel":1,"num_words":4,"start":55.329998,"end":57.19},{"sentences":[{"text":"Yeah.","start":56.845,"end":57.3,"sentiment":"neutral","sentiment_score":0.018707487732172012}],"sentiment":"neutral","sentiment_score":0.018707487732172012,"channel":0,"num_words":1,"start":56.845,"end":57.3},{"sentences":[{"text":"of the fifth ninety six.","start":57.25,"end":58.71,"sentiment":"neutral","sentiment_score":0.01899760365486145}],"sentiment":"neutral","sentiment_score":0.01899760365486145,"channel":1,"num_words":5,"start":57.25,"end":58.71},{"sentences":[{"text":"Yep.","start":59.219997,"end":59.719997,"sentiment":"neutral","sentiment_score":0.021100427955389023}],"sentiment":"neutral","sentiment_score":0.021100427955389023,"channel":0,"num_words":1,"start":59.219997,"end":59.719997},{"sentences":[{"text":"275 Mount Douglas Road.","start":59.25,"end":61.35,"sentiment":"neutral","sentiment_score":0.029090140014886856}],"sentiment":"neutral","sentiment_score":0.029090140014886856,"channel":1,"num_words":4,"start":59.25,"end":61.35},{"sentences":[{"text":"Beautiful.","start":61.94,"end":62.44,"sentiment":"neutral","sentiment_score":0.32510554790496826},{"text":"Thank you.","start":62.579998,"end":63.399998,"sentiment":"positive","sentiment_score":0.3415130078792572},{"text":"Yep.","start":64.34,"end":64.82,"sentiment":"neutral","sentiment_score":0.14842261373996735},{"text":"Beautiful.","start":64.82,"end":65.32,"sentiment":"neutral","sentiment_score":0.2329084873199463},{"text":"I'm just double checking.","start":65.54,"end":66.58,"sentiment":"neutral","sentiment_score":0.08609644323587418}],"sentiment":"neutral","sentiment_score":0.19264982640743256,"channel":0,"num_words":9,"start":61.94,"end":66.58},{"sentences":[{"text":"So your address you have was to","start":66.58,"end":68.5,"sentiment":"neutral","sentiment_score":0.03943553274231298}],"sentiment":"neutral","sentiment_score":0.03943553274231298,"channel":0,"num_words":7,"start":66.58,"end":68.5},{"sentences":[{"text":"75.","start":69.649994,"end":70.545,"sentiment":"neutral","sentiment_score":0.04276487976312637}],"sentiment":"neutral","sentiment_score":0.04276487976312637,"channel":1,"num_words":1,"start":69.649994,"end":70.545},{"sentences":[{"text":"what was the street address?","start":71.78,"end":73.635,"sentiment":"neutral","sentiment_score":0.02618808038532734}],"sentiment":"neutral","sentiment_score":0.02618808038532734,"channel":0,"num_words":5,"start":71.78,"end":73.635},{"sentences":[{"text":"Mount Saltwood.","start":74.225,"end":75.045,"sentiment":"neutral","sentiment_score":0.012874344363808632}],"sentiment":"neutral","sentiment_score":0.012874344363808632,"channel":1,"num_words":2,"start":74.225,"end":75.045},{"sentences":[{"text":"Yes.","start":75.535,"end":75.935,"sentiment":"neutral","sentiment_score":0.005368763580918312},{"text":"So sorry.","start":75.935,"end":76.575,"sentiment":"neutral","sentiment_score":-0.09664388746023178},{"text":"My phone cut out.","start":76.575,"end":77.375,"sentiment":"neutral","sentiment_score":-0.2446226216852665},{"text":"I couldn't quite hear what you said.","start":77.375,"end":78.895004,"sentiment":"neutral","sentiment_score":-0.21520312343324935},{"text":"My apologies.","start":78.895004,"end":79.535,"sentiment":"neutral","sentiment_score":-0.23291151225566864}],"sentiment":"neutral","sentiment_score":-0.19616589916404337,"channel":0,"num_words":16,"start":75.535,"end":79.535},{"sentences":[{"text":"Just making sure I had it correctly.","start":79.535,"end":80.975,"sentiment":"neutral","sentiment_score":-0.04904394383941378},{"text":"Thank you so much for that.","start":80.975,"end":82.515,"sentiment":"positive","sentiment_score":0.48206479847431183},{"text":"All good.","start":82.655,"end":83.395004,"sentiment":"neutral","sentiment_score":0.3190597891807556},{"text":"Jack, so my colleague Jack has booked you in just to kind of have a bit a catch up.","start":83.695,"end":87.71,"sentiment":"neutral","sentiment_score":0.04951245161263566},{"text":"He may have mentioned that we'd obviously hold off on that investment account because you'd purchased the other property there.","start":87.71,"end":93.15,"sentiment":"neutral","sentiment_score":-0.04701432753354311}],"sentiment":"neutral","sentiment_score":0.05903057022779076,"channel":0,"num_words":54,"start":79.535,"end":93.15},{"sentences":[{"text":"You had a lot going on at the time, but he may have mentioned to me that you are wanting to maybe proceed with that now.","start":93.15,"end":98.83,"sentiment":"neutral","sentiment_score":0.005079968474232233},{"text":"Is that right, or how are your thoughts going with regards","start":98.83,"end":101.735,"sentiment":"neutral","sentiment_score":0.044192605059255256}],"sentiment":"neutral","sentiment_score":0.01670804962113097,"channel":0,"num_words":37,"start":93.15,"end":101.735},{"sentences":[{"text":"Yeah.","start":101.625,"end":102.125,"sentiment":"neutral","sentiment_score":0.016333037987351418}],"sentiment":"neutral","sentiment_score":0.016333037987351418,"channel":1,"num_words":1,"start":101.625,"end":102.125},{"sentences":[{"text":"to the investment account?","start":101.735,"end":102.955,"sentiment":"neutral","sentiment_score":0.009453349746763706}],"sentiment":"neutral","sentiment_score":0.009453349746763706,"channel":0,"num_words":4,"start":101.735,"end":102.955},{"sentences":[{"text":"Yeah.","start":103.305,"end":103.705,"sentiment":"neutral","sentiment_score":0.0247181486338377},{"text":"That's what we're thinking.","start":103.705,"end":104.685005,"sentiment":"neutral","sentiment_score":0.029095760080963373}],"sentiment":"neutral","sentiment_score":0.02822023779153824,"channel":1,"num_words":5,"start":103.305,"end":104.685005},{"sentences":[{"text":"Yeah.","start":104.854996,"end":105.015,"sentiment":"neutral","sentiment_score":0.059182170778512955},{"text":"Yep.","start":105.015,"end":105.415,"sentiment":"neutral","sentiment_score":0.07474832981824875},{"text":"That's okay.","start":105.415,"end":106.135,"sentiment":"neutral","sentiment_score":0.03587790485471487},{"text":"So just sort of going back over the recommendation just to sort of reconfigure it, and I'm more than happy to email you a copy of the advice document again just so you're able to kinda run your eyes back over it.","start":106.135,"end":116.25,"sentiment":"positive","sentiment_score":0.4449792598329839},{"text":"But, essentially, it was establishing a Hub twenty four investment account, a personal investment account within Hub twenty four there.","start":116.65,"end":122.91,"sentiment":"neutral","sentiment_score":0.250918111205101}],"sentiment":"positive","sentiment_score":0.36232087041505356,"channel":0,"num_words":66,"start":104.854996,"end":122.91},{"sentences":[{"text":"We can link that to your super there as well.","start":123.05,"end":124.97,"sentiment":"positive","sentiment_score":0.38919246196746826},{"text":"That way, everything is linked in the back end, and it can help to reduce fees and things like that in the back end as well.","start":124.97,"end":130.83,"sentiment":"positive","sentiment_score":0.5179285361216619},{"text":"The initial deposit that you were comfortable with at the time was about 25,000.","start":131.385,"end":136.185,"sentiment":"neutral","sentiment_score":0.1606162233012063},{"text":"Are you still comfortable with that initial deposit going in?","start":136.185,"end":139.08499,"sentiment":"neutral","sentiment_score":0.10617275387048722}],"sentiment":"positive","sentiment_score":0.34447368706266085,"channel":0,"num_words":60,"start":123.05,"end":139.08499},{"sentences":[{"text":"Yeah.","start":140.065,"end":140.37,"sentiment":"neutral","sentiment_score":0.17438161373138428}],"sentiment":"neutral","sentiment_score":0.17438161373138428,"channel":1,"num_words":1,"start":140.065,"end":140.37},{"sentences":[{"text":"Yep.","start":141.065,"end":141.385,"sentiment":"neutral","sentiment_score":0.2399836629629135},{"text":"That's okay.","start":141.385,"end":142.185,"sentiment":"positive","sentiment_score":0.3598353713750839},{"text":"And then it was a regular investment of $400 on a monthly basis debited into the account for dollar cost averaging.","start":142.185,"end":149.87,"sentiment":"neutral","sentiment_score":0.21455275870504834},{"text":"Are you still fairly comfortable with that amount?","start":149.87,"end":152.04999,"sentiment":"neutral","sentiment_score":0.17441718839108944}],"sentiment":"neutral","sentiment_score":0.21439374517649412,"channel":0,"num_words":32,"start":141.065,"end":152.04999},{"sentences":[{"text":"Yeah.","start":152.84999,"end":153.195,"sentiment":"neutral","sentiment_score":0.154463529586792}],"sentiment":"neutral","sentiment_score":0.154463529586792,"channel":1,"num_words":1,"start":152.84999,"end":153.195},{"sentences":[{"text":"Yeah.","start":153.95,"end":154.34999,"sentiment":"neutral","sentiment_score":0.29399991035461426},{"text":"Beautiful.","start":154.34999,"end":154.84999,"sentiment":"positive","sentiment_score":0.5776146650314331},{"text":"One of the things he may have mentioned to me was that you were just wanting to kind of reevaluate the investment, the investments within the portfolio.","start":155.54999,"end":162.505,"sentiment":"neutral","sentiment_score":0.11802643799671421},{"text":"It was recommended as well to make sure that they were still appropriate.","start":162.505,"end":165.405,"sentiment":"neutral","sentiment_score":0.1865225743788939},{"text":"Is that correct?","start":165.545,"end":166.445,"sentiment":"neutral","sentiment_score":0.11337564885616302}],"sentiment":"neutral","sentiment_score":0.1516277514398098,"channel":0,"num_words":45,"start":153.95,"end":166.445},{"sentences":[{"text":"Yeah.","start":167.51999,"end":167.92,"sentiment":"neutral","sentiment_score":0.02058614231646061},{"text":"Yeah.","start":167.92,"end":168.23999,"sentiment":"neutral","sentiment_score":0.012612482532858849},{"text":"So I think when we talked about it, it was like, this was gonna be a little bit more defensive than a super fund investment.","start":168.23999,"end":176.01999,"sentiment":"neutral","sentiment_score":-0.10698874488472938}],"sentiment":"neutral","sentiment_score":-0.09783407397292278,"channel":1,"num_words":27,"start":167.51999,"end":176.01999},{"sentences":[{"text":"Mhmm.","start":176.32999,"end":176.82999,"sentiment":"neutral","sentiment_score":0.002927240915596485},{"text":"Yep.","start":177.04999,"end":177.54999,"sentiment":"neutral","sentiment_score":0.03126583993434906}],"sentiment":"neutral","sentiment_score":0.017096540424972773,"channel":0,"num_words":2,"start":176.32999,"end":177.54999},{"sentences":[{"text":"And that yeah.","start":177.28,"end":178.15999,"sentiment":"neutral","sentiment_score":0.032987941056489944},{"text":"Like, that way, they just yeah.","start":178.15999,"end":181.395,"sentiment":"neutral","sentiment_score":0.04121824912726879},{"text":"It's a bit less volatile.","start":181.395,"end":183.41501,"sentiment":"neutral","sentiment_score":-0.057139110565185544}],"sentiment":"neutral","sentiment_score":0.004326983221939632,"channel":1,"num_words":14,"start":177.28,"end":183.41501},{"sentences":[{"text":"Yeah.","start":183.68999,"end":184.17,"sentiment":"neutral","sentiment_score":0.07065774500370026},{"text":"Yeah.","start":184.17,"end":184.67,"sentiment":"neutral","sentiment_score":0.09254497289657591},{"text":"Yeah.","start":184.89,"end":185.20999,"sentiment":"neutral","sentiment_score":0.11663013696670532},{"text":"Correct.","start":185.20999,"end":185.70999,"sentiment":"neutral","sentiment_score":0.1911066174507141},{"text":"Yep.","start":185.93,"end":186.32999,"sentiment":"neutral","sentiment_score":0.1758923977613449}],"sentiment":"neutral","sentiment_score":0.1293663740158081,"channel":0,"num_words":5,"start":183.68999,"end":186.32999},{"sentences":[{"text":"So, essentially, we were looking at the balanced growth environment.","start":186.32999,"end":189.575,"sentiment":"neutral","sentiment_score":0.1322083778679371},{"text":"So that technically sees or generally sees around about 70% of your investment funds invested in growth assets.","start":189.715,"end":196.275,"sentiment":"neutral","sentiment_score":0.19022933973206413},{"text":"So you're still looking at things like Australian and international shares, listed property, and also commodities like gold and silver, and then having defensive investments around about 30% invested there.","start":196.275,"end":207.03,"sentiment":"neutral","sentiment_score":0.23309077421824137},{"text":"So it is a lower risk profile than what you have in your super, but I do tend to find that when we talk about personal investments, we wanna be a less risky in those sorts of areas just because we're super.","start":207.03,"end":218.235,"sentiment":"neutral","sentiment_score":0.15725117318686985},{"text":"We can't access that money until, essentially, the age of 60 at the earliest possible point so far.","start":218.235,"end":223.83499,"sentiment":"neutral","sentiment_score":-0.06723098663820161}],"sentiment":"neutral","sentiment_score":0.14519768334546332,"channel":0,"num_words":118,"start":186.32999,"end":223.83499},{"sentences":[{"text":"So with money that is in our personal name, that tends to be something we wanna take a bit less risk on because we can access those funds if we need to and withdraw them at an earlier point if we need to as well.","start":223.83499,"end":235.06999,"sentiment":"neutral","sentiment_score":0.1285181528992123},{"text":"Does that still feel like it's in your comfort level there?","start":235.37,"end":238.11,"sentiment":"neutral","sentiment_score":0.09783074090426619}],"sentiment":"neutral","sentiment_score":0.12249026840020504,"channel":0,"num_words":56,"start":223.83499,"end":238.11},{"sentences":[{"text":"Yeah.","start":239.265,"end":239.585,"sentiment":"neutral","sentiment_score":0.1307070553302765},{"text":"Yeah.","start":239.585,"end":239.825,"sentiment":"neutral","sentiment_score":0.14428694546222687},{"text":"It sounds sounds","start":239.825,"end":240.705,"sentiment":"neutral","sentiment_score":0.17554407815138498}],"sentiment":"neutral","sentiment_score":0.16032524704933165,"channel":1,"num_words":5,"start":239.265,"end":240.705},{"sentences":[{"text":"Yeah.","start":240.32999,"end":240.82999,"sentiment":"positive","sentiment_score":0.3675113320350647}],"sentiment":"positive","sentiment_score":0.3675113320350647,"channel":0,"num_words":1,"start":240.32999,"end":240.82999},{"sentences":[{"text":"pretty good.","start":240.705,"end":241.445,"sentiment":"positive","sentiment_score":0.5758132636547089}],"sentiment":"positive","sentiment_score":0.5758132636547089,"channel":1,"num_words":2,"start":240.705,"end":241.445},{"sentences":[{"text":"Yeah.","start":241.68999,"end":242.09,"sentiment":"positive","sentiment_score":0.4544295072555542},{"text":"Beautiful.","start":242.09,"end":242.59,"sentiment":"positive","sentiment_score":0.6855117082595825},{"text":"We're just sort of running my eyes over the investments recommended.","start":242.73,"end":245.62999,"sentiment":"neutral","sentiment_score":0.26837270774624566},{"text":"So we'd see about 4% invested in cybersecurity.","start":245.84999,"end":248.80501,"sentiment":"neutral","sentiment_score":0.24226064421236515},{"text":"We're still recommending cybersecurity in our portfolios, and it is still a great place to be.","start":249.10501,"end":254.16501,"sentiment":"positive","sentiment_score":0.554766807705164}],"sentiment":"positive","sentiment_score":0.40287554264068604,"channel":0,"num_words":37,"start":241.68999,"end":254.16501},{"sentences":[{"text":"This beta share of cybersecurity is still giving you global exposure, so it is global cybersecurity there as well.","start":254.46501,"end":261.125,"sentiment":"positive","sentiment_score":0.3764986897769727},{"text":"We still see 7% in the European exposure with the iShares Europe ETF, and that is still good.","start":261.69,"end":268.97,"sentiment":"positive","sentiment_score":0.4284117105934355},{"text":"It is still giving you exposure to all 16 European countries, so diversification there.","start":268.97,"end":273.93,"sentiment":"positive","sentiment_score":0.39842066381658825},{"text":"And we're still seeing some good growth out of that area.","start":273.93,"end":276.66998,"sentiment":"positive","sentiment_score":0.4734916361895474},{"text":"This also does see about 3% invested in the Japanese ETF as well.","start":277.845,"end":282.98502,"sentiment":"neutral","sentiment_score":0.1862450992831817}],"sentiment":"positive","sentiment_score":0.3742982597152392,"channel":0,"num_words":75,"start":254.46501,"end":282.98502},{"sentences":[{"text":"With everything it has gone on over the past few months with the Iraq so the Iran and the US war, plus the ups and downs we've seen in the market this year, Japan is still a good place to be invested.","start":283.125,"end":293.96,"sentiment":"neutral","sentiment_score":0.17151838221720286},{"text":"I know the Japanese actually looked after their citizens very well.","start":294.02,"end":297.86,"sentiment":"neutral","sentiment_score":0.25869972055608575},{"text":"They had a nice stockpile of a few ready to go, and they were one of the best well prepared countries for what we just went through.","start":297.86,"end":306.175,"sentiment":"positive","sentiment_score":0.40109567951273034},{"text":"So it is still a really good place to be invested there.","start":306.175,"end":309.075,"sentiment":"positive","sentiment_score":0.43097444127003354},{"text":"And then we do also have the Vanguard All World ex US ETF, which is giving you the A.","start":309.455,"end":318.87,"sentiment":"neutral","sentiment_score":0.1392247370983425}],"sentiment":"neutral","sentiment_score":0.25852266329902784,"channel":0,"num_words":111,"start":283.125,"end":318.87},{"sentences":[{"text":"We would see 7% invested in that investment.","start":318.87,"end":322.09,"sentiment":"neutral","sentiment_score":0.13086268212646246},{"text":"Again, we're looking at diversification.","start":322.15,"end":323.61002,"sentiment":"neutral","sentiment_score":0.1397789478302002},{"text":"So, essentially, spreading the risk of across the entire globe, which is appropriate for lowering as much risk as market risk as much as possible, but also making sure we're providing getting growth from as many different countries as possible.","start":323.99002,"end":338.025,"sentiment":"neutral","sentiment_score":0.18574900422245263},{"text":"We would also then see, because that investment doesn't include The United States Of America, the S and P 500, which is giving you exposure to the top 500 companies in The US.","start":338.56497,"end":348.69,"sentiment":"neutral","sentiment_score":0.06827465456091997},{"text":"As much as we still have seen the ups and downs in the market there, it is still appropriate to be invested in that area.","start":349.31,"end":355.915,"sentiment":"neutral","sentiment_score":0.0835070002824068}],"sentiment":"neutral","sentiment_score":0.12177022497866068,"channel":0,"num_words":111,"start":318.87,"end":355.915},{"sentences":[{"text":"We have still seen some really good growth, and even with everything they've gone through, The US is still providing good returns.","start":355.915,"end":361.695,"sentiment":"positive","sentiment_score":0.6455551033670252},{"text":"So we've would be investing 25% in there.","start":362.315,"end":365.855,"sentiment":"positive","sentiment_score":0.4885634817183018},{"text":"And then we've also got the beta shares Australian 200, so giving you exposure to the top 200 companies on the ASX.","start":366.23502,"end":373.38,"sentiment":"neutral","sentiment_score":0.32323766025629913},{"text":"And that's a more of a passively managed fund, which is great.","start":373.84003,"end":376.56003,"sentiment":"positive","sentiment_score":0.5877483660976092},{"text":"We're still seeing good returns from that investment, and we'd hold about 20% on the Australian market there.","start":376.56003,"end":383.415,"sentiment":"positive","sentiment_score":0.6029834432734383}],"sentiment":"positive","sentiment_score":0.5259589149457652,"channel":0,"num_words":82,"start":355.915,"end":383.415},{"sentences":[{"text":"And then we'd also have about 10% sitting in a global physical gold, so giving you exposure to physical gold, which is a growth asset, but it's also defensive in nature.","start":383.89502,"end":394.135,"sentiment":"neutral","sentiment_score":0.23368136921236593},{"text":"So gold is it always gets growth.","start":394.135,"end":396.215,"sentiment":"neutral","sentiment_score":0.25432675438267843},{"text":"We all love a little bit of gold.","start":396.215,"end":397.83,"sentiment":"positive","sentiment_score":0.3399028778076172},{"text":"But then whenever equities have a bit of a downtime, just people tend to use gold as a bit of a safe haven.","start":398.38998,"end":404.16998,"sentiment":"neutral","sentiment_score":0.1336265497881433},{"text":"So it can act defensively when it needs to as well, which is great.","start":404.22998,"end":408.09,"sentiment":"positive","sentiment_score":0.3969543533665793}],"sentiment":"neutral","sentiment_score":0.24547475109617395,"channel":0,"num_words":83,"start":383.89502,"end":408.09},{"sentences":[{"text":"And then we've just got the defensive investments within this sort of portfolio.","start":408.71,"end":413.075,"sentiment":"neutral","sentiment_score":0.17838400315779906},{"text":"So core composite bonds giving you exposure to the bonds within associate government and corporate bonds.","start":413.215,"end":420.895,"sentiment":"neutral","sentiment_score":0.18254671525210142},{"text":"It's also giving you exposure to physical notes and other bank notes and fixed interest across the globe as well.","start":420.895,"end":428.6,"sentiment":"neutral","sentiment_score":0.19904467985033988},{"text":"So it is a good investment to still have in there.","start":428.6,"end":431.18002,"sentiment":"positive","sentiment_score":0.41461116075515747},{"text":"BetaShares Bank Hybrid, that one is still appropriate for the time being down the track that may be worth removing out.","start":431.80002,"end":438.415,"sentiment":"neutral","sentiment_score":0.10302052629135904}],"sentiment":"neutral","sentiment_score":0.1968492210187294,"channel":0,"num_words":81,"start":408.71,"end":438.415},{"sentences":[{"text":"But at the moment, it's it's seen as a defensive asset, but it it does get really good growth as well.","start":438.415,"end":443.775,"sentiment":"neutral","sentiment_score":0.2621762025214377},{"text":"So it is still fairly appropriate to have in the portfolio currently there.","start":443.775,"end":447.715,"sentiment":"neutral","sentiment_score":0.24882423075345847},{"text":"Did you feel like any of those would need to be sorta changed out?","start":448.575,"end":452.37,"sentiment":"neutral","sentiment_score":0.025370500183531215},{"text":"Do you have any concerns about any of those investments or any questions at all?","start":452.37,"end":456.47,"sentiment":"neutral","sentiment_score":-0.009334498395522436}],"sentiment":"neutral","sentiment_score":0.1421521393552659,"channel":0,"num_words":63,"start":438.415,"end":456.47},{"sentences":[{"text":"No.","start":459.63,"end":459.87,"sentiment":"neutral","sentiment_score":-0.02371601201593876},{"text":"No concerns, to be honest.","start":459.87,"end":461.15,"sentiment":"neutral","sentiment_score":-0.058736550807952884},{"text":"That's I'm","start":461.15,"end":462.19,"sentiment":"neutral","sentiment_score":-0.047146787866950035}],"sentiment":"neutral","sentiment_score":-0.051461542723700404,"channel":1,"num_words":8,"start":459.63,"end":462.19},{"sentences":[{"text":"Yeah.","start":462.13,"end":462.63,"sentiment":"neutral","sentiment_score":-0.09141585230827332}],"sentiment":"neutral","sentiment_score":-0.09141585230827332,"channel":0,"num_words":1,"start":462.13,"end":462.63},{"sentences":[{"text":"doing too bad.","start":462.19,"end":462.87,"sentiment":"neutral","sentiment_score":-0.17347576717535654},{"text":"I mean, yeah, I did hear stories the start of the year with people that were heavily invested in oil and lost.","start":462.87,"end":468.795,"sentiment":"neutral","sentiment_score":-0.07819633727723901},{"text":"Yeah, a third of their super and stuff like that.","start":469.195,"end":472.655,"sentiment":"neutral","sentiment_score":-0.05212232284247875},{"text":"But","start":473.595,"end":474.095,"sentiment":"neutral","sentiment_score":-0.01816815882921219}],"sentiment":"neutral","sentiment_score":-0.07722605857998133,"channel":1,"num_words":36,"start":462.19,"end":474.095},{"sentences":[{"text":"Yeah.","start":473.835,"end":474.315,"sentiment":"neutral","sentiment_score":-0.027634775266051292},{"text":"No.","start":474.315,"end":474.815,"sentiment":"neutral","sentiment_score":-0.11073467880487442}],"sentiment":"neutral","sentiment_score":-0.06918472703546286,"channel":0,"num_words":2,"start":473.835,"end":474.815},{"sentences":[{"text":"no.","start":475.515,"end":475.755,"sentiment":"neutral","sentiment_score":-0.09392304718494417},{"text":"That sounds alright.","start":475.755,"end":476.55502,"sentiment":"neutral","sentiment_score":-0.05195731297135353},{"text":"And I just wanted","start":476.55502,"end":477.515,"sentiment":"neutral","sentiment_score":-0.008551366627216339}],"sentiment":"neutral","sentiment_score":-0.03550005657598376,"channel":1,"num_words":8,"start":475.515,"end":477.515},{"sentences":[{"text":"That sounds","start":477.195,"end":477.755,"sentiment":"neutral","sentiment_score":-0.013919908553361893}],"sentiment":"neutral","sentiment_score":-0.013919908553361893,"channel":0,"num_words":2,"start":477.195,"end":477.755},{"sentences":[{"text":"to just","start":477.515,"end":478.155,"sentiment":"neutral","sentiment_score":-0.015430372208356857}],"sentiment":"neutral","sentiment_score":-0.015430372208356857,"channel":1,"num_words":2,"start":477.515,"end":478.155},{"sentences":[{"text":"okay.","start":477.755,"end":478.255,"sentiment":"neutral","sentiment_score":-0.01553396973758936}],"sentiment":"neutral","sentiment_score":-0.01553396973758936,"channel":0,"num_words":1,"start":477.755,"end":478.255},{"sentences":[{"text":"ask the question is, like,","start":478.155,"end":479.61502,"sentiment":"neutral","sentiment_score":-0.0171439278870821}],"sentiment":"neutral","sentiment_score":-0.0171439278870821,"channel":1,"num_words":5,"start":478.155,"end":479.61502},{"sentences":[{"text":"Of course.","start":479.675,"end":480.495,"sentiment":"neutral","sentiment_score":-0.025651628151535988}],"sentiment":"neutral","sentiment_score":-0.025651628151535988,"channel":0,"num_words":2,"start":479.675,"end":480.495},{"sentences":[{"text":"with the with the 25,000, that will is that enough to, like will it get it'll get paid out dividend a couple","start":480.23502,"end":489.1,"sentiment":"neutral","sentiment_score":0.06179648011245511}],"sentiment":"neutral","sentiment_score":0.06179648011245511,"channel":1,"num_words":22,"start":480.23502,"end":489.1},{"sentences":[{"text":"Mhmm.","start":488.97,"end":489.47,"sentiment":"neutral","sentiment_score":0.031499505043029785}],"sentiment":"neutral","sentiment_score":0.031499505043029785,"channel":0,"num_words":1,"start":488.97,"end":489.47},{"sentences":[{"text":"times a year","start":489.1,"end":489.74,"sentiment":"neutral","sentiment_score":0.014386113112171492}],"sentiment":"neutral","sentiment_score":0.014386113112171492,"channel":1,"num_words":3,"start":489.1,"end":489.74},{"sentences":[{"text":"Yeah.","start":489.53,"end":490.03,"sentiment":"neutral","sentiment_score":0.03247581422328949}],"sentiment":"neutral","sentiment_score":0.03247581422328949,"channel":0,"num_words":1,"start":489.53,"end":490.03},{"sentences":[{"text":"or something?","start":489.74,"end":490.06,"sentiment":"neutral","sentiment_score":0.032072097063064575},{"text":"Is that how they work?","start":490.06,"end":491.19998,"sentiment":"neutral","sentiment_score":0.05631640553474426}],"sentiment":"neutral","sentiment_score":0.049389460257121494,"channel":1,"num_words":7,"start":489.74,"end":491.19998},{"sentences":[{"text":"Yeah.","start":490.81,"end":491.31,"sentiment":"neutral","sentiment_score":0.15458187460899353},{"text":"Yeah.","start":491.37,"end":491.69,"sentiment":"positive","sentiment_score":0.3411591351032257},{"text":"Absolutely.","start":491.69,"end":492.19,"sentiment":"positive","sentiment_score":0.542819619178772},{"text":"So all those investments are ETFs, so they do all pay out dividends and income as well as as well as getting growth.","start":492.33002,"end":498.875,"sentiment":"positive","sentiment_score":0.3842227964297585},{"text":"So those dividends will be paid out to your cash account within the investment, and we'll have those reinvested back into","start":499.335,"end":505.415,"sentiment":"neutral","sentiment_score":0.33148472082047237}],"sentiment":"positive","sentiment_score":0.3582311507235182,"channel":0,"num_words":47,"start":490.81,"end":505.415},{"sentences":[{"text":"Yep.","start":505.145,"end":505.645,"sentiment":"neutral","sentiment_score":0.2023884505033493}],"sentiment":"neutral","sentiment_score":0.2023884505033493,"channel":1,"num_words":1,"start":505.145,"end":505.645},{"sentences":[{"text":"the portfolio for compounding effects.","start":505.415,"end":507.495,"sentiment":"neutral","sentiment_score":0.24209745228290558},{"text":"So, yeah, dividends","start":507.495,"end":508.74,"sentiment":"positive","sentiment_score":0.39452361067136127}],"sentiment":"neutral","sentiment_score":0.29925726167857647,"channel":0,"num_words":8,"start":505.415,"end":508.74},{"sentences":[{"text":"Yep.","start":508.585,"end":508.71,"sentiment":"positive","sentiment_score":0.567616879940033}],"sentiment":"positive","sentiment_score":0.567616879940033,"channel":1,"num_words":1,"start":508.585,"end":508.71},{"sentences":[{"text":"are absolutely something we'd like to consider.","start":508.8,"end":510.74,"sentiment":"positive","sentiment_score":0.549084050314767},{"text":"When we look at a portfolio, we wanna make sure you're getting both growth and income out of that.","start":510.96,"end":516.42,"sentiment":"positive","sentiment_score":0.3869948026381041},{"text":"The other thing I just like to make sure you are aware, and then you invested in your own name as well anyways, so you're probably aware of the tax side of things.","start":516.96,"end":523.585,"sentiment":"neutral","sentiment_score":0.09436147727749565},{"text":"But every year, at the end of the tax year, you will get a tax statement for the investment portfolio, and that will outline all the information that your account needs to include in your tax return there for you as well.","start":524.465,"end":535.105,"sentiment":"neutral","sentiment_score":0.13401299413470996},{"text":"So growth income, any overseas income that's being paid out that needs to kind of be, you know, accounted for, any deductions that, you know, within the funds that that can be accounted for as well.","start":535.105,"end":546.52997,"sentiment":"neutral","sentiment_score":0.12590164504945278}],"sentiment":"neutral","sentiment_score":0.1786235279410425,"channel":0,"num_words":137,"start":508.8,"end":546.52997},{"sentences":[{"text":"All that is provided in a tax statement at the end of the year, and that just gets given to your accountant and they can include that in your personal tax return as well.","start":546.52997,"end":553.975,"sentiment":"neutral","sentiment_score":0.174884215435561},{"text":"Okay?","start":553.975,"end":554.475,"sentiment":"neutral","sentiment_score":0.14101234078407288}],"sentiment":"neutral","sentiment_score":0.17391644758837563,"channel":0,"num_words":35,"start":546.52997,"end":554.475},{"sentences":[{"text":"Yep.","start":555.175,"end":555.675,"sentiment":"neutral","sentiment_score":0.25981736183166504},{"text":"Perfect.","start":555.735,"end":556.235,"sentiment":"positive","sentiment_score":0.5846297740936279}],"sentiment":"positive","sentiment_score":0.4222235679626465,"channel":1,"num_words":2,"start":555.175,"end":556.235},{"sentences":[{"text":"Yep.","start":556.295,"end":556.795,"sentiment":"positive","sentiment_score":0.4497111737728119},{"text":"Beautiful.","start":557.015,"end":557.515,"sentiment":"positive","sentiment_score":0.7092298269271851},{"text":"The only other thing to sort of make mention was, obviously, with this one here, we essentially did have the ongoing remuneration side of things.","start":557.895,"end":565.91003,"sentiment":"neutral","sentiment_score":0.08726065069437026},{"text":"So we do charge 1.10% from the investment account based on the the advice and what we had sort of looked at.","start":565.91003,"end":573.59,"sentiment":"neutral","sentiment_score":0.12165765565904704},{"text":"This year, we're expecting $313 to be paid from that account.","start":573.59,"end":577.77,"sentiment":"neutral","sentiment_score":0.22589876028624448}],"sentiment":"neutral","sentiment_score":0.1416968675951163,"channel":0,"num_words":60,"start":556.295,"end":577.77},{"sentences":[{"text":"That's for looking after the investment account, and that only ever gets charged when the money goes in.","start":578.415,"end":582.735,"sentiment":"neutral","sentiment_score":0.16793111049466664},{"text":"So once the money goes into the investment account, then we start charging the ongoing service fee for that, and we'll review that with you on a yearly basis the same as we will with your super as well.","start":582.735,"end":592.85,"sentiment":"neutral","sentiment_score":0.15015160894164672},{"text":"But do you have any questions in relation to any of that?","start":592.85,"end":595.64996,"sentiment":"neutral","sentiment_score":0.0008303991829355555},{"text":"Is there any concerns at all?","start":595.64996,"end":597.17,"sentiment":"neutral","sentiment_score":-0.02637727962185939},{"text":"Or","start":597.17,"end":597.32996,"sentiment":"neutral","sentiment_score":-0.0026000067591667175}],"sentiment":"neutral","sentiment_score":0.11483912951754112,"channel":0,"num_words":76,"start":578.415,"end":597.32996},{"sentences":[{"text":"No.","start":598.57,"end":598.81,"sentiment":"neutral","sentiment_score":-0.10584647953510284},{"text":"That sounds pretty good.","start":598.81,"end":600.35,"sentiment":"neutral","sentiment_score":0.2904222793877125}],"sentiment":"neutral","sentiment_score":0.21116852760314941,"channel":1,"num_words":5,"start":598.57,"end":600.35},{"sentences":[{"text":"Yeah.","start":600.37,"end":600.85,"sentiment":"neutral","sentiment_score":0.20656970143318176}],"sentiment":"neutral","sentiment_score":0.20656970143318176,"channel":0,"num_words":1,"start":600.37,"end":600.85},{"sentences":[{"text":"And so","start":600.49,"end":601.31,"sentiment":"neutral","sentiment_score":0.15786215662956238}],"sentiment":"neutral","sentiment_score":0.15786215662956238,"channel":1,"num_words":2,"start":600.49,"end":601.31},{"sentences":[{"text":"Yep.","start":600.85,"end":601.32996,"sentiment":"neutral","sentiment_score":0.14228811860084534},{"text":"That's","start":601.32996,"end":601.82996,"sentiment":"neutral","sentiment_score":0.20198768377304077}],"sentiment":"neutral","sentiment_score":0.17213790118694305,"channel":0,"num_words":2,"start":600.85,"end":601.82996},{"sentences":[{"text":"of that 25,000, roughly about 6% growth.","start":601.61,"end":606.525,"sentiment":"neutral","sentiment_score":0.21028986998966762},{"text":"Is that what you're saying?","start":606.525,"end":607.66504,"sentiment":"neutral","sentiment_score":0.13896212577819825}],"sentiment":"neutral","sentiment_score":0.18056997656822205,"channel":1,"num_words":12,"start":601.61,"end":607.66504},{"sentences":[{"text":"so","start":608.495,"end":608.735,"sentiment":"neutral","sentiment_score":0.04101245105266571}],"sentiment":"neutral","sentiment_score":0.04101245105266571,"channel":0,"num_words":1,"start":608.495,"end":608.735},{"sentences":[{"text":"And","start":608.685,"end":609.185,"sentiment":"neutral","sentiment_score":0.04560332745313645}],"sentiment":"neutral","sentiment_score":0.04560332745313645,"channel":1,"num_words":1,"start":608.685,"end":609.185},{"sentences":[{"text":"when we kind of had the projected outcome, we were looking at so the the balanced growth portfolio at the time had a five year rolling average of around about sort of 16.55%.","start":608.735,"end":621.23004,"sentiment":"neutral","sentiment_score":0.04980130950835618},{"text":"Obviously, I don't expect you to get that percent every year because markets do go up and down.","start":621.69,"end":626.57,"sentiment":"neutral","sentiment_score":-0.13098361757066515},{"text":"But, essentially, what we are sort of looking for between the balanced growth environment, we are sort of wanting around about six to 8% on a yearly basis and having that compounded forward.","start":626.57,"end":635.995,"sentiment":"neutral","sentiment_score":0.1394965708481543},{"text":"So if you can get in between that sort of six to 8% every year and compounding that over time, that provides you with a really good rate of return and a good amount of growth.","start":635.995,"end":646.01495,"sentiment":"positive","sentiment_score":0.4278581531511413},{"text":"However, in that balanced growth environment, we do expect a negative year to be likely around about whenever every six years or so.","start":646.58997,"end":653.07,"sentiment":"negative","sentiment_score":-0.36846158459134726}],"sentiment":"neutral","sentiment_score":0.07564616785547533,"channel":0,"num_words":143,"start":608.735,"end":653.07},{"sentences":[{"text":"So there will be a time when maybe the investment doesn't perform as well or there there there is a negative return or the returns are a bit lower than expected, and that's just due to normal market volatility.","start":653.07,"end":663.535,"sentiment":"negative","sentiment_score":-0.35377973318099976},{"text":"But we will kinda go through things with you each year and revisit the portfolio and update and make changes when we need to as well if that helps.","start":664.39496,"end":672.25494,"sentiment":"neutral","sentiment_score":-0.007457555496487124}],"sentiment":"neutral","sentiment_score":-0.20608351034495762,"channel":0,"num_words":68,"start":653.07,"end":672.25494},{"sentences":[{"text":"Yep.","start":672.73004,"end":673.23004,"sentiment":"neutral","sentiment_score":0.021669765934348103}],"sentiment":"neutral","sentiment_score":0.021669765934348103,"channel":1,"num_words":1,"start":672.73004,"end":673.23004},{"sentences":[{"text":"Yeah.","start":673.995,"end":674.495,"sentiment":"neutral","sentiment_score":0.006793452426791191}],"sentiment":"neutral","sentiment_score":0.006793452426791191,"channel":0,"num_words":1,"start":673.995,"end":674.495},{"sentences":[{"text":"When was the last day on the","start":674.09,"end":675.87,"sentiment":"neutral","sentiment_score":-0.027764174421983107}],"sentiment":"neutral","sentiment_score":-0.027764174421983107,"channel":1,"num_words":7,"start":674.09,"end":675.87},{"sentences":[{"text":"So this portfolio, the last time I mean, we've had a few downs this year as well.","start":677.57,"end":683.19,"sentiment":"neutral","sentiment_score":-0.13522054868585923},{"text":"So the market around about sort of a March to April, we saw between a two to 3% dip in the market with what was happening.","start":683.41003,"end":690.71,"sentiment":"neutral","sentiment_score":-0.13891605144509903},{"text":"But since then, the market has come out and actually showing really good growth, and we are still seeing positive returns from that.","start":691.28503,"end":697.78503,"sentiment":"positive","sentiment_score":0.36261365530283557},{"text":"Other than that, '22 and '23, we saw quite a bit of up and down.","start":698.325,"end":702.485,"sentiment":"neutral","sentiment_score":-0.1723089004556338},{"text":"And then late last year in 2025, we also had pretty heavy dip with the tariffs that was going into place.","start":702.485,"end":708.01,"sentiment":"neutral","sentiment_score":-0.2174468601033801}],"sentiment":"neutral","sentiment_score":-0.046288923159533854,"channel":0,"num_words":102,"start":677.57,"end":708.01},{"sentences":[{"text":"So, realistically, overall, these portfolios haven't really had just thinking the last proper negative year was at least about three years ago.","start":708.01,"end":719.07,"sentiment":"neutral","sentiment_score":-0.23086875440044838},{"text":"Since then, every year, we have sort of generated positive returns overall, although the positive returns may have been a little bit lower than expected with the amount of volatility in the market.","start":719.685,"end":729.84503,"sentiment":"neutral","sentiment_score":0.19996828518130563},{"text":"So, realistically,","start":729.84503,"end":730.905,"sentiment":"neutral","sentiment_score":0.2720940187573433}],"sentiment":"neutral","sentiment_score":0.036211032485752775,"channel":0,"num_words":57,"start":708.01,"end":730.905},{"sentences":[{"text":"Yep.","start":730.96,"end":731.46,"sentiment":"neutral","sentiment_score":0.29322177171707153}],"sentiment":"neutral","sentiment_score":0.29322177171707153,"channel":1,"num_words":1,"start":730.96,"end":731.46},{"sentences":[{"text":"if this sort of portfolio can generate you know, can show by research as average 16.55% over the past five years, even with the amount of volatility that we have gone through and seen in the past five years, then it sort of shows you that this portfolio has withstood those ups and downs, and it can generate those kinds of returns moving forward if given the same market conditions in the past.","start":731.125,"end":755.325,"sentiment":"positive","sentiment_score":0.3661033177416619},{"text":"Realistically, I just wanna make sure you are getting at least that to 8% on a yearly basis, but it is an expectation that markets will go up and will go down.","start":756.02496,"end":764.22,"sentiment":"neutral","sentiment_score":0.029743518214672804},{"text":"And, look, I can tell you what what I have seen in the past and where the volatility has kinda hit and what kind of average returns we've seen, but it also comes down to what happens with it moving forward.","start":764.52,"end":774.725,"sentiment":"neutral","sentiment_score":0.027596256718402955},{"text":"So just making sure that we do put the sorry.","start":774.725,"end":778.40497,"sentiment":"neutral","sentiment_score":-0.02860366180539131},{"text":"Just making sure that we do obviously put the the the money in on a regular basis, the dollar cost averaging even through the down times.","start":778.40497,"end":786.08496,"sentiment":"neutral","sentiment_score":0.050058107250011884}],"sentiment":"neutral","sentiment_score":0.16386953557094375,"channel":0,"num_words":182,"start":731.125,"end":786.08496},{"sentences":[{"text":"When the market aren't performing really well, I do find a lot of people ringing and go, hey.","start":786.08496,"end":790.01,"sentiment":"neutral","sentiment_score":-0.1013060553620259},{"text":"I wanna kinda stop those contributions going in.","start":790.01,"end":792.75,"sentiment":"neutral","sentiment_score":-0.13233321346342564},{"text":"But in all honesty, that's the best time.","start":792.81,"end":795.07,"sentiment":"neutral","sentiment_score":0.05721948575228453},{"text":"If you do see a bit of a market dip, we do have a bit of a downtime.","start":795.29,"end":798.59,"sentiment":"neutral","sentiment_score":-0.06962248724367884},{"text":"Just keep that money going into the portfolio.","start":798.825,"end":801.245,"sentiment":"neutral","sentiment_score":0.023237054236233234}],"sentiment":"neutral","sentiment_score":-0.0581954525783658,"channel":0,"num_words":60,"start":786.08496,"end":801.245},{"sentences":[{"text":"Take advantage of that, and you'll buy more units to those investments.","start":801.465,"end":804.765,"sentiment":"neutral","sentiment_score":0.14222214929759502},{"text":"Everyone always says, you know, buy low, sell high, but it is the hardest time to convince yourself to do it.","start":805.625,"end":811.96,"sentiment":"neutral","sentiment_score":-0.011843109237296241},{"text":"But if you ring me, I'll be telling you to keep going and keep buying, keep investing, and take advantage of those downtimes because in all honesty, that's what I do.","start":811.96,"end":821.02,"sentiment":"neutral","sentiment_score":0.2268722179916597},{"text":"I see a downtime, and I get a little bit excited.","start":822.36,"end":824.77997,"sentiment":"neutral","sentiment_score":0.3276755918156017},{"text":"So it gives it's essentially just a bit of a buying opportunity.","start":824.84,"end":828.105,"sentiment":"neutral","sentiment_score":0.30817820007602376}],"sentiment":"neutral","sentiment_score":0.18153527777256637,"channel":0,"num_words":87,"start":801.465,"end":828.105},{"sentences":[{"text":"And the other thing is these investments have always stood those ups and downs.","start":828.245,"end":831.76495,"sentiment":"neutral","sentiment_score":-0.07646697892674378},{"text":"They've been through times like COVID and the GFC, and they've withstood that.","start":831.76495,"end":835.20496,"sentiment":"neutral","sentiment_score":-0.08506718829560739},{"text":"So we wanna make sure that you're in quality investments that are being through the ups and downs that can withstand that and that you're in a in a environment that you're comfortable with as well.","start":835.20496,"end":845.15,"sentiment":"positive","sentiment_score":0.4343981643517812},{"text":"But I'm more than happy to send this through to you as well if you like just so you can run your eyes over that one.","start":845.15,"end":850.605,"sentiment":"positive","sentiment_score":0.7851694455513587},{"text":"You can have a bit of a look at it, and let me know if there are any additional questions there at all.","start":850.76495,"end":856.065,"sentiment":"positive","sentiment_score":0.4709458597328352}],"sentiment":"positive","sentiment_score":0.3991793135896192,"channel":0,"num_words":112,"start":828.245,"end":856.065},{"sentences":[{"text":"I The last question will be","start":856.34503,"end":858.55005,"sentiment":"neutral","sentiment_score":0.0914802464346091}],"sentiment":"neutral","sentiment_score":0.0914802464346091,"channel":1,"num_words":6,"start":856.34503,"end":858.55005},{"sentences":[{"text":"Of course.","start":859.165,"end":859.745,"sentiment":"neutral","sentiment_score":0.11118330806493759}],"sentiment":"neutral","sentiment_score":0.11118330806493759,"channel":0,"num_words":2,"start":859.165,"end":859.745},{"sentences":[{"text":"so just let us know how much about this sort of stuff.","start":860.21,"end":863.27,"sentiment":"neutral","sentiment_score":0.10406055984397729}],"sentiment":"neutral","sentiment_score":0.10406055984397729,"channel":1,"num_words":12,"start":860.21,"end":863.27},{"sentences":[{"text":"That's","start":863.64496,"end":863.96497,"sentiment":"neutral","sentiment_score":0.17810267210006714}],"sentiment":"neutral","sentiment_score":0.17810267210006714,"channel":0,"num_words":1,"start":863.64496,"end":863.96497},{"sentences":[{"text":"So","start":863.81006,"end":864.13,"sentiment":"neutral","sentiment_score":0.2166014462709427}],"sentiment":"neutral","sentiment_score":0.2166014462709427,"channel":1,"num_words":1,"start":863.81006,"end":864.13},{"sentences":[{"text":"okay.","start":863.96497,"end":864.46497,"sentiment":"neutral","sentiment_score":0.18012215197086334}],"sentiment":"neutral","sentiment_score":0.18012215197086334,"channel":0,"num_words":1,"start":863.96497,"end":864.46497},{"sentences":[{"text":"all of the of the 25,000 we put in first up,","start":864.13,"end":868.79004,"sentiment":"neutral","sentiment_score":0.14621756022626703}],"sentiment":"neutral","sentiment_score":0.14621756022626703,"channel":1,"num_words":11,"start":864.13,"end":868.79004},{"sentences":[{"text":"Yes.","start":869.23,"end":869.73,"sentiment":"neutral","sentiment_score":0.1246921494603157}],"sentiment":"neutral","sentiment_score":0.1246921494603157,"channel":0,"num_words":1,"start":869.23,"end":869.73},{"sentences":[{"text":"in a in a year's time, how much","start":869.49005,"end":871.905,"sentiment":"neutral","sentiment_score":0.05676287319511175}],"sentiment":"neutral","sentiment_score":0.05676287319511175,"channel":1,"num_words":8,"start":869.49005,"end":871.905},{"sentences":[{"text":"Mhmm.","start":871.95,"end":872.45,"sentiment":"neutral","sentiment_score":0.048400841653347015}],"sentiment":"neutral","sentiment_score":0.048400841653347015,"channel":0,"num_words":1,"start":871.95,"end":872.45},{"sentences":[{"text":"money in debt dividends would we be expected to be paid and then reinvested?","start":872.22504,"end":877.205,"sentiment":"neutral","sentiment_score":0.05587429313787392}],"sentiment":"neutral","sentiment_score":0.05587429313787392,"channel":1,"num_words":14,"start":872.22504,"end":877.205},{"sentences":[{"text":"It's really hard to kinda tell you that answer","start":878.135,"end":880.375,"sentiment":"neutral","sentiment_score":-0.2301883945862452}],"sentiment":"neutral","sentiment_score":-0.2301883945862452,"channel":0,"num_words":9,"start":878.135,"end":880.375},{"sentences":[{"text":"Yeah.","start":880.30505,"end":880.80505,"sentiment":"neutral","sentiment_score":-0.02453656867146492}],"sentiment":"neutral","sentiment_score":-0.02453656867146492,"channel":1,"num_words":1,"start":880.30505,"end":880.80505},{"sentences":[{"text":"just because when we're looking at growth, we're looking at the overall, so income plus growth.","start":880.375,"end":885.035,"sentiment":"neutral","sentiment_score":-0.021881210297578946},{"text":"The research we get, unfortunately, doesn't break down income aside from growth, and dividends change.","start":885.335,"end":890.695,"sentiment":"neutral","sentiment_score":-0.1708190768957138},{"text":"So, essentially, the ETFs every couple of months, a lot of the Vanguard and iShares ETFs pay dividends on a biannually or quarterly basis, and they actually all","start":890.695,"end":900.5,"sentiment":"neutral","sentiment_score":0.0976455749145576}],"sentiment":"neutral","sentiment_score":-0.003022193569311146,"channel":0,"num_words":59,"start":880.375,"end":900.5},{"sentences":[{"text":"Yep.","start":900.32,"end":900.795,"sentiment":"neutral","sentiment_score":0.13411343097686768}],"sentiment":"neutral","sentiment_score":0.13411343097686768,"channel":1,"num_words":1,"start":900.32,"end":900.795},{"sentences":[{"text":"come out a few a few weeks prior to the dividend period to say how much they're gonna pay in dividends.","start":900.5,"end":906.755,"sentiment":"neutral","sentiment_score":0.09305234235667047},{"text":"So those dividends do change on a regular basis.","start":906.755,"end":909.71497,"sentiment":"neutral","sentiment_score":0.1596959481636683},{"text":"You tend to get a few cents or a few dollars per share.","start":909.71497,"end":912.695,"sentiment":"neutral","sentiment_score":0.16786183072970465},{"text":"So it is very hard to kinda confirm that for you just because it's it is up to the investment company at the time that the dividends are due.","start":913.235,"end":921.7,"sentiment":"neutral","sentiment_score":-0.07981348731394472},{"text":"But what I'd be probably looking at trying to do for you is just to kinda look get it started for the first year, have a really good look at it.","start":922.16003,"end":929.36005,"sentiment":"positive","sentiment_score":0.43095791952744605}],"sentiment":"neutral","sentiment_score":0.16134631937568628,"channel":0,"num_words":103,"start":900.5,"end":929.36005},{"sentences":[{"text":"We could maybe touch base in six months' time and see where things are tracking and then do a full year kind of review of things, see if there's any changes that needs to be made, look at what the income is that's being generated on a regular basis for you just with the projection table.","start":929.36005,"end":944.84503,"sentiment":"neutral","sentiment_score":0.10186331413154091},{"text":"And I know this is just a projection table, but that does look at the but that does look at the expected with the five year rolling average and the fees there, that over the next sort of five years, you could end up with about 73,000 sitting in super by considering the growth, the income, and the additional cost of having the investment account open.","start":944.84503,"end":964.495,"sentiment":"neutral","sentiment_score":0.13843139808512095},{"text":"So that is the projected outcome over the next five years.","start":964.495,"end":967.53503,"sentiment":"neutral","sentiment_score":0.20562110841274261},{"text":"We can definitely review that to see whether you're on track for that or whether changes need to be made, but I am really sorry, Jack.","start":967.53503,"end":973.935,"sentiment":"neutral","sentiment_score":0.0408314847602294},{"text":"I can't break down the income expectation away from the growth.","start":973.935,"end":977.16,"sentiment":"negative","sentiment_score":-0.5187000415541909}],"sentiment":"neutral","sentiment_score":0.07328569531879005,"channel":0,"num_words":170,"start":929.36005,"end":977.16},{"sentences":[{"text":"I'd love to be able to do that, but if I could do that, I could probably, you know, be just day trading myself.","start":977.54,"end":983.39996,"sentiment":"neutral","sentiment_score":-0.2825110324968894},{"text":"It wouldn't have","start":983.77997,"end":984.42,"sentiment":"neutral","sentiment_score":-0.13813849290211996}],"sentiment":"neutral","sentiment_score":-0.2664696392085817,"channel":0,"num_words":27,"start":977.54,"end":984.42},{"sentences":[{"text":"Yeah.","start":984.225,"end":984.725,"sentiment":"neutral","sentiment_score":-0.0822649747133255}],"sentiment":"neutral","sentiment_score":-0.0822649747133255,"channel":1,"num_words":1,"start":984.225,"end":984.725},{"sentences":[{"text":"to work.","start":984.42,"end":985.0,"sentiment":"neutral","sentiment_score":-0.10974856093525887}],"sentiment":"neutral","sentiment_score":-0.10974856093525887,"channel":0,"num_words":2,"start":984.42,"end":985.0},{"sentences":[{"text":"No.","start":985.825,"end":986.305,"sentiment":"neutral","sentiment_score":-0.2680208683013916},{"text":"So I was just like, what how long until I can quit my day job?","start":986.305,"end":989.105,"sentiment":"neutral","sentiment_score":-0.28069933454195656},{"text":"That's what I was thinking too.","start":989.105,"end":990.485,"sentiment":"neutral","sentiment_score":-0.2038013165195783}],"sentiment":"neutral","sentiment_score":-0.259150853888555,"channel":1,"num_words":22,"start":985.825,"end":990.485},{"sentences":[{"text":"Yeah.","start":990.415,"end":990.915,"sentiment":"neutral","sentiment_score":-0.06599150598049164},{"text":"No.","start":991.45496,"end":991.855,"sentiment":"neutral","sentiment_score":-0.1221647411584854},{"text":"Definitely.","start":991.855,"end":992.355,"sentiment":"neutral","sentiment_score":-0.030931714922189713},{"text":"I mean, you guys have got another baby coming, don't you?","start":992.495,"end":995.235,"sentiment":"neutral","sentiment_score":-0.014250593005933544}],"sentiment":"neutral","sentiment_score":-0.026846034651888267,"channel":0,"num_words":14,"start":990.415,"end":995.235},{"sentences":[{"text":"Yeah.","start":995.73,"end":996.20996,"sentiment":"neutral","sentiment_score":0.07462023198604584},{"text":"Yeah.","start":996.20996,"end":996.70996,"sentiment":"neutral","sentiment_score":0.1503983438014984}],"sentiment":"neutral","sentiment_score":0.11250928789377213,"channel":1,"num_words":2,"start":995.73,"end":996.70996},{"sentences":[{"text":"Yeah.","start":997.055,"end":997.555,"sentiment":"neutral","sentiment_score":0.2523515224456787}],"sentiment":"neutral","sentiment_score":0.2523515224456787,"channel":0,"num_words":1,"start":997.055,"end":997.555},{"sentences":[{"text":"I want","start":998.85,"end":999.17,"sentiment":"positive","sentiment_score":0.4044409841299057}],"sentiment":"positive","sentiment_score":0.4044409841299057,"channel":1,"num_words":2,"start":998.85,"end":999.17},{"sentences":[{"text":"Congratulations","start":999.13,"end":999.63,"sentiment":"positive","sentiment_score":0.6632628440856934}],"sentiment":"positive","sentiment_score":0.6632628440856934,"channel":0,"num_words":1,"start":999.13,"end":999.63},{"sentences":[{"text":"the dividends to","start":999.17,"end":999.97,"sentiment":"positive","sentiment_score":0.6936730345090231}],"sentiment":"positive","sentiment_score":0.6936730345090231,"channel":1,"num_words":3,"start":999.17,"end":999.97},{"sentences":[{"text":"on","start":999.93,"end":1000.17,"sentiment":"positive","sentiment_score":0.6381703019142151}],"sentiment":"positive","sentiment_score":0.6381703019142151,"channel":0,"num_words":1,"start":999.93,"end":1000.17},{"sentences":[{"text":"start","start":999.97,"end":1000.44995,"sentiment":"positive","sentiment_score":0.647200345993042}],"sentiment":"positive","sentiment_score":0.647200345993042,"channel":1,"num_words":1,"start":999.97,"end":1000.44995},{"sentences":[{"text":"that as","start":1000.17,"end":1000.57,"sentiment":"positive","sentiment_score":0.5512466281652451}],"sentiment":"positive","sentiment_score":0.5512466281652451,"channel":0,"num_words":2,"start":1000.17,"end":1000.57},{"sentences":[{"text":"paying","start":1000.44995,"end":1000.69,"sentiment":"positive","sentiment_score":0.4429853558540344}],"sentiment":"positive","sentiment_score":0.4429853558540344,"channel":1,"num_words":1,"start":1000.44995,"end":1000.69},{"sentences":[{"text":"well.","start":1000.57,"end":1001.07,"sentiment":"neutral","sentiment_score":0.32398343086242676}],"sentiment":"neutral","sentiment_score":0.32398343086242676,"channel":0,"num_words":1,"start":1000.57,"end":1001.07},{"sentences":[{"text":"me some money.","start":1000.69,"end":1001.43,"sentiment":"neutral","sentiment_score":0.2604592839876811}],"sentiment":"neutral","sentiment_score":0.2604592839876811,"channel":1,"num_words":3,"start":1000.69,"end":1001.43},{"sentences":[{"text":"Absolutely.","start":1002.41,"end":1002.91,"sentiment":"positive","sentiment_score":0.5136080980300903}],"sentiment":"positive","sentiment_score":0.5136080980300903,"channel":0,"num_words":1,"start":1002.41,"end":1002.91},{"sentences":[{"text":"Thank you.","start":1002.76996,"end":1003.425,"sentiment":"positive","sentiment_score":0.5469794869422913}],"sentiment":"positive","sentiment_score":0.5469794869422913,"channel":1,"num_words":2,"start":1002.76996,"end":1003.425},{"sentences":[{"text":"No.","start":1003.85,"end":1004.17,"sentiment":"neutral","sentiment_score":0.08988045901060104},{"text":"That's okay.","start":1004.17,"end":1004.81,"sentiment":"neutral","sentiment_score":0.10777980461716652},{"text":"That's not a problem.","start":1004.81,"end":1005.69,"sentiment":"neutral","sentiment_score":0.2246910221874714},{"text":"Did you want me to re email the document through to you so you can run your eyes over it?","start":1005.69,"end":1009.61,"sentiment":"neutral","sentiment_score":0.16094099022448063},{"text":"How would you like to proceed?","start":1009.61,"end":1010.81,"sentiment":"neutral","sentiment_score":0.10140629236896832}],"sentiment":"neutral","sentiment_score":0.15246853683934067,"channel":0,"num_words":33,"start":1003.85,"end":1010.81},{"sentences":[{"text":"And do you have any other questions at all?","start":1010.81,"end":1012.82996,"sentiment":"neutral","sentiment_score":0.07411982988317807}],"sentiment":"neutral","sentiment_score":0.07411982988317807,"channel":0,"num_words":9,"start":1010.81,"end":1012.82996},{"sentences":[{"text":"I already said the $70.70 odd thousand just then.","start":1014.225,"end":1017.125,"sentiment":"neutral","sentiment_score":0.014895484472314516},{"text":"That was","start":1017.345,"end":1017.745,"sentiment":"neutral","sentiment_score":0.0339518403634429}],"sentiment":"neutral","sentiment_score":0.018360276452519676,"channel":1,"num_words":11,"start":1014.225,"end":1017.745},{"sentences":[{"text":"Yeah.","start":1017.595,"end":1018.095,"sentiment":"neutral","sentiment_score":0.05681067705154419}],"sentiment":"neutral","sentiment_score":0.05681067705154419,"channel":0,"num_words":1,"start":1017.595,"end":1018.095},{"sentences":[{"text":"this this account, yeah, in five years' time","start":1017.90497,"end":1021.33,"sentiment":"neutral","sentiment_score":0.05479616206139326}],"sentiment":"neutral","sentiment_score":0.05479616206139326,"channel":1,"num_words":8,"start":1017.90497,"end":1021.33},{"sentences":[{"text":"Yep.","start":1022.075,"end":1022.575,"sentiment":"neutral","sentiment_score":0.1041642650961876}],"sentiment":"neutral","sentiment_score":0.1041642650961876,"channel":0,"num_words":1,"start":1022.075,"end":1022.575},{"sentences":[{"text":"with this plan could potentially have, yeah, 70,000 instead of 25.","start":1022.11,"end":1026.29,"sentiment":"neutral","sentiment_score":0.082681478085843}],"sentiment":"neutral","sentiment_score":0.082681478085843,"channel":1,"num_words":11,"start":1022.11,"end":1026.29},{"sentences":[{"text":"Yeah.","start":1026.6799,"end":1027.0,"sentiment":"neutral","sentiment_score":0.14855003356933594},{"text":"Correct.","start":1027.0,"end":1027.5,"sentiment":"neutral","sentiment_score":0.21669456362724304},{"text":"Yes.","start":1027.5599,"end":1027.96,"sentiment":"neutral","sentiment_score":0.216955304145813}],"sentiment":"neutral","sentiment_score":0.19406663378079733,"channel":0,"num_words":3,"start":1026.6799,"end":1027.96},{"sentences":[{"text":"Yep.","start":1027.87,"end":1028.37,"sentiment":"neutral","sentiment_score":0.2075645625591278}],"sentiment":"neutral","sentiment_score":0.2075645625591278,"channel":1,"num_words":1,"start":1027.87,"end":1028.37},{"sentences":[{"text":"So starting with that 25 and then dollar cost averaging that $100 per week or essentially 4,800 over the course of the year.","start":1027.96,"end":1035.5,"sentiment":"neutral","sentiment_score":0.2589349487553472},{"text":"It is also not limited to that.","start":1035.5599,"end":1036.9199,"sentiment":"neutral","sentiment_score":0.1880997930254255},{"text":"If you find you have some extra money you wanna whack in there at any point, you can.","start":1036.9199,"end":1040.855,"sentiment":"neutral","sentiment_score":0.08045564633276728},{"text":"Unlike your sleep, you're not limited with your personal investment account.","start":1040.855,"end":1044.215,"sentiment":"neutral","sentiment_score":0.021342407319356094},{"text":"So you can be putting in more if you want to at any point in time.","start":1044.215,"end":1047.2749,"sentiment":"neutral","sentiment_score":0.04577569919638336}],"sentiment":"neutral","sentiment_score":0.12916775565594435,"channel":0,"num_words":75,"start":1027.96,"end":1047.2749},{"sentences":[{"text":"But, yeah, just for the projected outcome, that's what we kinda have projected with the advice document.","start":1047.815,"end":1052.475,"sentiment":"neutral","sentiment_score":0.06051988735356752},{"text":"But it does come down to how markets react over time, and we'll keep kinda reviewing that with you on a regular basis and see where we're tracking for.","start":1053.11,"end":1060.25,"sentiment":"neutral","sentiment_score":0.06831417078601904},{"text":"But, also, these investments, you know, they work really well now, but they might, in a year or two or three's time, need to be updated, in which case we'll probably do a bit of a switch out and see where that tracks for as well.","start":1060.63,"end":1071.1849,"sentiment":"neutral","sentiment_score":0.060790776072636894},{"text":"Yeah.","start":1071.325,"end":1071.825,"sentiment":"neutral","sentiment_score":0.05497348308563232}],"sentiment":"neutral","sentiment_score":0.06302471204550676,"channel":0,"num_words":93,"start":1047.815,"end":1071.825},{"sentences":[{"text":"Yep.","start":1071.7051,"end":1072.2051,"sentiment":"neutral","sentiment_score":0.0625222772359848},{"text":"No.","start":1072.3451,"end":1072.5851,"sentiment":"neutral","sentiment_score":0.0635276734828949},{"text":"That that sounds","start":1072.5851,"end":1073.645,"sentiment":"neutral","sentiment_score":0.1874183714389801}],"sentiment":"neutral","sentiment_score":0.137661013007164,"channel":1,"num_words":5,"start":1071.7051,"end":1073.645},{"sentences":[{"text":"Beautiful.","start":1073.485,"end":1073.985,"sentiment":"positive","sentiment_score":0.3637687861919403}],"sentiment":"positive","sentiment_score":0.3637687861919403,"channel":0,"num_words":1,"start":1073.485,"end":1073.985},{"sentences":[{"text":"pretty good, though, to be honest.","start":1073.785,"end":1074.985,"sentiment":"positive","sentiment_score":0.3441527783870697},{"text":"Yeah.","start":1074.985,"end":1075.2251,"sentiment":"neutral","sentiment_score":0.25184381008148193}],"sentiment":"neutral","sentiment_score":0.33096578291484285,"channel":1,"num_words":7,"start":1073.785,"end":1075.2251},{"sentences":[{"text":"Fantastic.","start":1075.085,"end":1075.585,"sentiment":"positive","sentiment_score":0.4651165008544922}],"sentiment":"positive","sentiment_score":0.4651165008544922,"channel":0,"num_words":1,"start":1075.085,"end":1075.585},{"sentences":[{"text":"It's sorta.","start":1075.2251,"end":1075.77,"sentiment":"neutral","sentiment_score":0.2352149784564972},{"text":"Been a while since I looked at the documents, but, yeah, that all sounds","start":1075.93,"end":1078.59,"sentiment":"neutral","sentiment_score":0.07975013926625252}],"sentiment":"neutral","sentiment_score":0.0991832441650331,"channel":1,"num_words":16,"start":1075.2251,"end":1078.59},{"sentences":[{"text":"Yeah.","start":1078.2849,"end":1078.7849,"sentiment":"neutral","sentiment_score":0.03738604858517647}],"sentiment":"neutral","sentiment_score":0.03738604858517647,"channel":0,"num_words":1,"start":1078.2849,"end":1078.7849},{"sentences":[{"text":"I'm trying","start":1078.97,"end":1079.4501,"sentiment":"neutral","sentiment_score":0.010186112485826015}],"sentiment":"neutral","sentiment_score":0.010186112485826015,"channel":1,"num_words":2,"start":1078.97,"end":1079.4501},{"sentences":[{"text":"That's","start":1079.245,"end":1079.745,"sentiment":"neutral","sentiment_score":-0.003639847040176392}],"sentiment":"neutral","sentiment_score":-0.003639847040176392,"channel":0,"num_words":1,"start":1079.245,"end":1079.745},{"sentences":[{"text":"to see why why I was on board.","start":1079.4501,"end":1081.23,"sentiment":"neutral","sentiment_score":0.017436379101127386}],"sentiment":"neutral","sentiment_score":0.017436379101127386,"channel":1,"num_words":8,"start":1079.4501,"end":1081.23},{"sentences":[{"text":"okay.","start":1082.22,"end":1082.72,"sentiment":"neutral","sentiment_score":0.24623940885066983},{"text":"Fantastic.","start":1082.94,"end":1083.44,"sentiment":"positive","sentiment_score":0.5126917362213135},{"text":"Well, I'm happy to I'll take this document, and I'll email it through to you now.","start":1083.58,"end":1087.0199,"sentiment":"positive","sentiment_score":0.5262497700750828},{"text":"That way, you do have a copy there.","start":1087.0199,"end":1088.86,"sentiment":"positive","sentiment_score":0.4322889372706413},{"text":"It is the one that you signed as well, so you can definitely see everything.","start":1088.86,"end":1092.1599,"sentiment":"positive","sentiment_score":0.45414411624272666}],"sentiment":"positive","sentiment_score":0.4743756270263253,"channel":0,"num_words":41,"start":1082.22,"end":1092.1599},{"sentences":[{"text":"Let me know if you do happen to have any questions there.","start":1092.805,"end":1095.365,"sentiment":"neutral","sentiment_score":0.2846783498922984},{"text":"And are you happy if I get, Jack to maybe, organize and send you the bank the the details to have the transfer done in, or did you wanna set it up direct debit?","start":1095.365,"end":1105.74,"sentiment":"neutral","sentiment_score":0.222681805053178},{"text":"How would you like to kind of proceed with the deposits?","start":1105.98,"end":1108.5599,"sentiment":"neutral","sentiment_score":0.06935565173625946}],"sentiment":"neutral","sentiment_score":0.20614445157218397,"channel":0,"num_words":57,"start":1092.805,"end":1108.5599},{"sentences":[{"text":"I think I gave him the I gave him the bank account last week.","start":1110.8401,"end":1116.225,"sentiment":"neutral","sentiment_score":0.0402473992268954}],"sentiment":"neutral","sentiment_score":0.0402473992268954,"channel":1,"num_words":14,"start":1110.8401,"end":1116.225},{"sentences":[{"text":"Okay.","start":1116.94,"end":1117.44,"sentiment":"neutral","sentiment_score":0.06758318096399307}],"sentiment":"neutral","sentiment_score":0.06758318096399307,"channel":0,"num_words":1,"start":1116.94,"end":1117.44},{"sentences":[{"text":"And I think I think he was gonna take it out, like, this Friday or Thursday.","start":1117.1649,"end":1120.7649,"sentiment":"neutral","sentiment_score":0.07954442454501987},{"text":"He just he's already just waiting for you to give me a call, and then he said he was gonna do it.","start":1120.7649,"end":1126.14,"sentiment":"neutral","sentiment_score":0.10951630500229922},{"text":"I","start":1126.14,"end":1126.64,"sentiment":"neutral","sentiment_score":0.11477787047624588}],"sentiment":"neutral","sentiment_score":0.09735506085249093,"channel":1,"num_words":39,"start":1117.1649,"end":1126.64},{"sentences":[{"text":"Yep.","start":1126.695,"end":1127.015,"sentiment":"neutral","sentiment_score":0.19804434478282928},{"text":"Beautiful.","start":1127.015,"end":1127.515,"sentiment":"positive","sentiment_score":0.41227075457572937},{"text":"Not a problem","start":1127.575,"end":1128.135,"sentiment":"neutral","sentiment_score":0.30727731188138324}],"sentiment":"neutral","sentiment_score":0.30642940700054166,"channel":0,"num_words":5,"start":1126.695,"end":1128.135},{"sentences":[{"text":"think.","start":1127.98,"end":1128.48,"sentiment":"neutral","sentiment_score":0.3000109791755676}],"sentiment":"neutral","sentiment_score":0.3000109791755676,"channel":1,"num_words":1,"start":1127.98,"end":1128.48},{"sentences":[{"text":"at all.","start":1128.135,"end":1128.455,"sentiment":"neutral","sentiment_score":0.2376631796360016},{"text":"I'll let Jack know that we've spoken, that you're happy to proceed, and I'll get him just to follow-up, let you know if there's anything else that needs to be signed and to have that deposit organized there for you.","start":1128.455,"end":1138.27,"sentiment":"positive","sentiment_score":0.3435877986252308},{"text":"Is that okay?","start":1138.27,"end":1139.0901,"sentiment":"neutral","sentiment_score":0.18847283720970154}],"sentiment":"neutral","sentiment_score":0.32853904035356307,"channel":0,"num_words":45,"start":1128.135,"end":1139.0901},{"sentences":[{"text":"Yeah.","start":1139.66,"end":1139.9,"sentiment":"neutral","sentiment_score":0.06881371140480042},{"text":"It's fine.","start":1139.9,"end":1140.555,"sentiment":"positive","sentiment_score":0.46724386513233185}],"sentiment":"positive","sentiment_score":0.33443381388982135,"channel":1,"num_words":3,"start":1139.66,"end":1140.555},{"sentences":[{"text":"Yep.","start":1140.8301,"end":1141.31,"sentiment":"positive","sentiment_score":0.48485490679740906},{"text":"Let him thank you so much for that.","start":1141.31,"end":1143.15,"sentiment":"positive","sentiment_score":0.8163698017597198},{"text":"Do you have any other questions or anything else you need from me at the moment at all?","start":1143.15,"end":1146.75,"sentiment":"neutral","sentiment_score":0.2690714763270484},{"text":"You're welcome to ask me anything you like.","start":1146.75,"end":1148.745,"sentiment":"positive","sentiment_score":0.3417458012700081}],"sentiment":"positive","sentiment_score":0.41694475156920296,"channel":0,"num_words":35,"start":1140.8301,"end":1148.745},{"sentences":[{"text":"No.","start":1151.5951,"end":1151.8351,"sentiment":"neutral","sentiment_score":-0.13777384161949158},{"text":"That's about the extent.","start":1151.8351,"end":1153.375,"sentiment":"neutral","sentiment_score":-0.06671872921288013},{"text":"Oh, boy.","start":1153.515,"end":1154.22,"sentiment":"neutral","sentiment_score":0.08982491120696068},{"text":"Yeah.","start":1155.58,"end":1155.82,"sentiment":"neutral","sentiment_score":0.06265439093112946},{"text":"There's no way.","start":1155.82,"end":1156.38,"sentiment":"neutral","sentiment_score":-0.10966457178195317}],"sentiment":"neutral","sentiment_score":-0.04466711458834735,"channel":1,"num_words":11,"start":1151.5951,"end":1156.38},{"sentences":[{"text":"I got nothing else to that.","start":1156.38,"end":1157.9299,"sentiment":"neutral","sentiment_score":-0.057921782756845154}],"sentiment":"neutral","sentiment_score":-0.057921782756845154,"channel":1,"num_words":6,"start":1156.38,"end":1157.9299},{"sentences":[{"text":"No.","start":1158.025,"end":1158.265,"sentiment":"neutral","sentiment_score":-0.11055150628089903},{"text":"That's okay.","start":1158.265,"end":1159.005,"sentiment":"neutral","sentiment_score":0.12293436378240585},{"text":"I'm just emailing you the document now, so it should come through very shortly.","start":1159.065,"end":1162.6849,"sentiment":"neutral","sentiment_score":0.2944035881331989},{"text":"When you do get a hold of it, you're welcome to run your eyes over it, and I'll let Jack know that you're happy to proceed and move forward with that.","start":1163.02,"end":1169.42,"sentiment":"positive","sentiment_score":0.46942297393275845},{"text":"Okay.","start":1169.42,"end":1169.92,"sentiment":"positive","sentiment_score":0.5439279079437256}],"sentiment":"positive","sentiment_score":0.3949593378573048,"channel":0,"num_words":49,"start":1158.025,"end":1169.92},{"sentences":[{"text":"Awesome.","start":1171.035,"end":1171.115,"sentiment":"positive","sentiment_score":0.8458430171012878},{"text":"Thank you.","start":1171.115,"end":1171.855,"sentiment":"positive","sentiment_score":0.8336268663406372}],"sentiment":"positive","sentiment_score":0.8376989165941874,"channel":1,"num_words":3,"start":1171.035,"end":1171.855},{"sentences":[{"text":"My pleasure, Jack.","start":1172.2999,"end":1173.1799,"sentiment":"positive","sentiment_score":0.8636240760485331},{"text":"I hope you have a great day.","start":1173.1799,"end":1174.64,"sentiment":"positive","sentiment_score":0.8515928132193429}],"sentiment":"positive","sentiment_score":0.8552021920681,"channel":0,"num_words":10,"start":1172.2999,"end":1174.64},{"sentences":[{"text":"You too.","start":1175.3269,"end":1176.1469,"sentiment":"positive","sentiment_score":0.5276874601840973}],"sentiment":"positive","sentiment_score":0.5276874601840973,"channel":1,"num_words":2,"start":1175.3269,"end":1176.1469},{"sentences":[{"text":"Thanks","start":1176.94,"end":1177.26,"sentiment":"positive","sentiment_score":0.5268800854682922}],"sentiment":"positive","sentiment_score":0.5268800854682922,"channel":0,"num_words":1,"start":1176.94,"end":1177.26},{"sentences":[{"text":"We'll","start":1177.0868,"end":1177.3269,"sentiment":"positive","sentiment_score":0.424213171005249}],"sentiment":"positive","sentiment_score":0.424213171005249,"channel":1,"num_words":1,"start":1177.0868,"end":1177.3269},{"sentences":[{"text":"for","start":1177.26,"end":1177.5,"sentiment":"positive","sentiment_score":0.4334850311279297}],"sentiment":"positive","sentiment_score":0.4334850311279297,"channel":0,"num_words":1,"start":1177.26,"end":1177.5},{"sentences":[{"text":"talk","start":1177.3269,"end":1177.5669,"sentiment":"positive","sentiment_score":0.5083078742027283}],"sentiment":"positive","sentiment_score":0.5083078742027283,"channel":1,"num_words":1,"start":1177.3269,"end":1177.5669},{"sentences":[{"text":"taking","start":1177.5,"end":1177.82,"sentiment":"positive","sentiment_score":0.6022522449493408}],"sentiment":"positive","sentiment_score":0.6022522449493408,"channel":0,"num_words":1,"start":1177.5,"end":1177.82},{"sentences":[{"text":"to you soon.","start":1177.5669,"end":1178.3069,"sentiment":"positive","sentiment_score":0.4011766215165456}],"sentiment":"positive","sentiment_score":0.4011766215165456,"channel":1,"num_words":3,"start":1177.5669,"end":1178.3069},{"sentences":[{"text":"my call.","start":1177.82,"end":1178.6669,"sentiment":"neutral","sentiment_score":0.2056661993265152},{"text":"Will do.","start":1178.6669,"end":1179.2269,"sentiment":"positive","sentiment_score":0.42542846500873566},{"text":"Thank you so much.","start":1179.2269,"end":1180.0269,"sentiment":"positive","sentiment_score":0.7739626318216324},{"text":"I'll talk to you soon.","start":1180.0269,"end":1180.9869,"sentiment":"positive","sentiment_score":0.4244436025619507},{"text":"See you later.","start":1180.9869,"end":1181.8069,"sentiment":"positive","sentiment_score":0.3432275156180064}],"sentiment":"positive","sentiment_score":0.46937127597630024,"channel":0,"num_words":16,"start":1177.82,"end":1181.8069},{"sentences":[{"text":"Hang on.","start":1182.2068,"end":1182.9469,"sentiment":"neutral","sentiment_score":0.21117837727069855}],"sentiment":"neutral","sentiment_score":0.21117837727069855,"channel":1,"num_words":2,"start":1182.2068,"end":1182.9469},{"sentences":[{"text":"Bye.","start":1183.3069,"end":1183.8069,"sentiment":"neutral","sentiment_score":-0.10702979564666748}],"sentiment":"neutral","sentiment_score":-0.10702979564666748,"channel":0,"num_words":1,"start":1183.3069,"end":1183.8069}]},"summary":{"result":"success","short":"The representative from Oakley Financial discusses Jack's investment account with him and recommends a balanced growth environment with a lower risk profile. They also discuss personal investments, including gold and physical gold, and the importance of diversification across multiple countries. The speaker emphasizes the need for growth and income in the portfolio and provides information on ongoing fees and ongoing service fees. They also mention the possibility of dividends and growth income from investments and the importance of maintaining the money in the portfolio and investing in quality investments. They suggest reviewing the plan in six months and updating the investment account if necessary, as well as arranging a deposit for the customer."},"intents":{"segments":[{"text":"And just to do a quick security check, just because I am discussing your personal information, if I can get you to confirm your full name, your date of birth, and address I should have on file? Jack Russell Klinky.","start_word":138,"end_word":177,"intents":[{"intent":"Confirm address and date of birth","confidence_score":0.00078778836},{"intent":"Check security check","confidence_score":0.17984198}]},{"text":"Jack, so my colleague Jack has booked you in just to kind of have a bit a catch up. He may have mentioned that we'd obviously hold off on that investment account because you'd purchased the other property there. You had a lot going on at the time, but he may have mentioned to me that you are wanting to maybe proceed with that now. Is that right, or how are your thoughts going with regards Yeah. to the investment account?","start_word":245,"end_word":325,"intents":[{"intent":"Confirm property purchase","confidence_score":0.0026943155}]},{"text":"One of the things he may have mentioned to me was that you were just wanting to kind of reevaluate the investment, the investments within the portfolio. It was recommended as well to make sure that they were still appropriate. Is that correct? Yeah.","start_word":493,"end_word":536,"intents":[{"intent":"Educate about investment options","confidence_score":0.0010208022}]},{"text":"We're just sort of running my eyes over the investments recommended. So we'd see about 4% invested in cybersecurity.","start_word":768,"end_word":786,"intents":[{"intent":"Discuss cybersecurity investments","confidence_score":0.05306046}]},{"text":"Do you have any concerns about any of those investments or any questions at all?","start_word":1394,"end_word":1408,"intents":[{"intent":"Address investment concerns","confidence_score":0.034516506}]},{"text":"So all those investments are ETFs, so they do all pay out dividends and income as well as as well as getting growth. So those dividends will be paid out to your cash account within the investment, and we'll have those reinvested back into Yep. the portfolio for compounding effects.","start_word":1513,"end_word":1562,"intents":[{"intent":"Educate about dividends","confidence_score":0.0036292404}]},{"text":"That's of that 25,000, roughly about 6% growth. Is that what you're saying? so And when we kind of had the projected outcome, we were looking at so the the balanced growth portfolio at the time had a five year rolling average of around about sort of 16.55%.","start_word":1886,"end_word":1933,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.09454686}]},{"text":"if this sort of portfolio can generate you know, can show by research as average 16.55% over the past five years, even with the amount of volatility that we have gone through and seen in the past five years, then it sort of shows you that this portfolio has withstood those ups and downs, and it can generate those kinds of returns moving forward if given the same market conditions in the past.","start_word":2281,"end_word":2353,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.42538032}]},{"text":"in a in a year's time, how much Mhmm. money in debt dividends would we be expected to be paid and then reinvested?","start_word":2757,"end_word":2779,"intents":[{"intent":"Evaluate finances","confidence_score":0.000002081359}]},{"text":"We could maybe touch base in six months' time and see where things are tracking and then do a full year kind of review of things, see if there's any changes that needs to be made, look at what the income is that's being generated on a regular basis for you just with the projection table.","start_word":2954,"end_word":3009,"intents":[{"intent":"Check project progress","confidence_score":0.0005212315},{"intent":"Report income projection","confidence_score":0.0025309585}]},{"text":"I want Congratulations the dividends to on start that as paying well. me some money.","start_word":3192,"end_word":3206,"intents":[{"intent":"Congratulate on dividends","confidence_score":0.08858601}]},{"text":"So starting with that 25 and then dollar cost averaging that $100 per week or essentially 4,800 over the course of the year. It is also not limited to that. If you find you have some extra money you wanna whack in there at any point, you can.","start_word":3288,"end_word":3335,"intents":[{"intent":"Discuss cost savings","confidence_score":0.000067912006}]},{"text":"But, also, these investments, you know, they work really well now, but they might, in a year or two or three's time, need to be updated, in which case we'll probably do a bit of a switch out and see where that tracks for as well. Yeah.","start_word":3409,"end_word":3455,"intents":[{"intent":"Update and review investment portfolio","confidence_score":0.00021921423}]},{"text":"How would you like to kind of proceed with the deposits?","start_word":3585,"end_word":3595,"intents":[{"intent":"Proceed with deposits","confidence_score":0.0036977406}]}]},"sentiments":{"segments":[{"text":"Hello. Jack speaking. Hi, Jack. It's Dana from Oakley Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.2030346691608429},{"text":"Good. Yourself? I'm very well. Thank you. How's everything been going for yourself at the moment?","start_word":15,"end_word":30,"sentiment":"positive","sentiment_score":0.4722442328929901},{"text":"Yeah. Not too bad.","start_word":31,"end_word":34,"sentiment":"neutral","sentiment_score":0.20500457286834717},{"text":"Fantastic.","start_word":35,"end_word":35,"sentiment":"positive","sentiment_score":0.5315548777580261},{"text":"I Yeah. It's probably sorry. on back of the back of work sort of thing. Yep. Yep.","start_word":36,"end_word":52,"sentiment":"neutral","sentiment_score":-0.028418267145752907},{"text":"So Working hard as always.","start_word":53,"end_word":57,"sentiment":"positive","sentiment_score":0.3412545621395111},{"text":"yeah.","start_word":58,"end_word":58,"sentiment":"neutral","sentiment_score":0.30432403087615967},{"text":"Excellent.","start_word":59,"end_word":59,"sentiment":"positive","sentiment_score":0.5516144037246704},{"text":"Jack, I had you booked in just for a bit of a quick catch up in relation to the investment account that we had provided advice on earlier in the year. Is now still a good time there for you?","start_word":60,"end_word":99,"sentiment":"neutral","sentiment_score":0.25721609592437744},{"text":"Fantastic.","start_word":100,"end_word":100,"sentiment":"positive","sentiment_score":0.46178263425827026},{"text":"Yep. And just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start_word":101,"end_word":124,"sentiment":"neutral","sentiment_score":0.19321466982364657},{"text":"Are you happy for me to proceed with that moving forward?","start_word":125,"end_word":135,"sentiment":"positive","sentiment_score":0.34111306071281433},{"text":"Yep.","start_word":136,"end_word":136,"sentiment":"neutral","sentiment_score":0.19595488905906677},{"text":"Fantastic.","start_word":137,"end_word":137,"sentiment":"positive","sentiment_score":0.4254904985427856},{"text":"And just to do a quick security check, just because I am discussing your personal information, if I can get you to confirm your full name, your date of birth, and address I should have on file? Jack Russell Klinky. Twentieth Yeah. of the fifth ninety six. Yep. 275 Mount Douglas Road. Beautiful.","start_word":138,"end_word":190,"sentiment":"neutral","sentiment_score":0.11064735054969788},{"text":"Thank you.","start_word":191,"end_word":192,"sentiment":"positive","sentiment_score":0.3369060456752777},{"text":"Yep. Beautiful. I'm just double checking. So your address you have was to 75. what was the street address? Mount Saltwood. Yes. So sorry. My phone cut out. I couldn't quite hear what you said. My apologies. Just making sure I had it correctly.","start_word":193,"end_word":236,"sentiment":"neutral","sentiment_score":-0.0547892190515995},{"text":"Thank you so much for that.","start_word":237,"end_word":242,"sentiment":"positive","sentiment_score":0.4724384844303131},{"text":"All good. Jack, so my colleague Jack has booked you in just to kind of have a bit a catch up. He may have mentioned that we'd obviously hold off on that investment account because you'd purchased the other property there. You had a lot going on at the time, but he may have mentioned to me that you are wanting to maybe proceed with that now. Is that right, or how are your thoughts going with regards Yeah. to the investment account? Yeah. That's what we're thinking. Yeah. Yep. That's okay.","start_word":243,"end_word":334,"sentiment":"neutral","sentiment_score":0.023824596777558327},{"text":"So just sort of going back over the recommendation just to sort of reconfigure it, and I'm more than happy to email you a copy of the advice document again just so you're able to kinda run your eyes back over it.","start_word":335,"end_word":376,"sentiment":"positive","sentiment_score":0.44778746366500854},{"text":"But, essentially, it was establishing a Hub twenty four investment account, a personal investment account within Hub twenty four there.","start_word":377,"end_word":396,"sentiment":"neutral","sentiment_score":0.25179192423820496},{"text":"We can link that to your super there as well. That way, everything is linked in the back end, and it can help to reduce fees and things like that in the back end as well.","start_word":397,"end_word":432,"sentiment":"positive","sentiment_score":0.4769708216190338},{"text":"The initial deposit that you were comfortable with at the time was about 25,000. Are you still comfortable with that initial deposit going in? Yeah. Yep.","start_word":433,"end_word":458,"sentiment":"neutral","sentiment_score":0.1486094295978546},{"text":"That's okay.","start_word":459,"end_word":460,"sentiment":"positive","sentiment_score":0.35880839824676514},{"text":"And then it was a regular investment of $400 on a monthly basis debited into the account for dollar cost averaging. Are you still fairly comfortable with that amount? Yeah. Yeah.","start_word":461,"end_word":491,"sentiment":"neutral","sentiment_score":0.211135596036911},{"text":"Beautiful.","start_word":492,"end_word":492,"sentiment":"positive","sentiment_score":0.5776146650314331},{"text":"One of the things he may have mentioned to me was that you were just wanting to kind of reevaluate the investment, the investments within the portfolio. It was recommended as well to make sure that they were still appropriate. Is that correct? Yeah. Yeah. So I think when we talked about it, it was like, this was gonna be a little bit more defensive than a super fund investment. Mhmm. Yep. And that yeah. Like, that way, they just yeah. It's a bit less volatile. Yeah. Yeah. Yeah. Correct. Yep. So, essentially, we were looking at the balanced growth environment. So that technically sees or generally sees around about 70% of your investment funds invested in growth assets. So you're still looking at things like Australian and international shares, listed property, and also commodities like gold and silver, and then having defensive investments around about 30% invested there. So it is a lower risk profile than what you have in your super, but I do tend to find that when we talk about personal investments, we wanna be a less risky in those sorts of areas just because we're super. We can't access that money until, essentially, the age of 60 at the earliest possible point so far. So with money that is in our personal name, that tends to be something we wanna take a bit less risk on because we can access those funds if we need to and withdraw them at an earlier point if we need to as well. Does that still feel like it's in your comfort level there? Yeah. Yeah. It sounds sounds Yeah.","start_word":493,"end_word":763,"sentiment":"neutral","sentiment_score":0.10154974334134388},{"text":"pretty good. Yeah. Beautiful.","start_word":764,"end_word":767,"sentiment":"positive","sentiment_score":0.5674624443054199},{"text":"We're just sort of running my eyes over the investments recommended. So we'd see about 4% invested in cybersecurity.","start_word":768,"end_word":786,"sentiment":"neutral","sentiment_score":0.2628414034843445},{"text":"We're still recommending cybersecurity in our portfolios, and it is still a great place to be. This beta share of cybersecurity is still giving you global exposure, so it is global cybersecurity there as well. We still see 7% in the European exposure with the iShares Europe ETF, and that is still good. It is still giving you exposure to all 16 European countries, so diversification there. And we're still seeing some good growth out of that area.","start_word":787,"end_word":864,"sentiment":"positive","sentiment_score":0.4381116330623626},{"text":"This also does see about 3% invested in the Japanese ETF as well. With everything it has gone on over the past few months with the Iraq so the Iran and the US war, plus the ups and downs we've seen in the market this year, Japan is still a good place to be invested. I know the Japanese actually looked after their citizens very well.","start_word":865,"end_word":930,"sentiment":"neutral","sentiment_score":0.18770097196102145},{"text":"They had a nice stockpile of a few ready to go, and they were one of the best well prepared countries for what we just went through. So it is still a really good place to be invested there.","start_word":931,"end_word":969,"sentiment":"positive","sentiment_score":0.4068032801151275},{"text":"And then we do also have the Vanguard All World ex US ETF, which is giving you the A. We would see 7% invested in that investment. Again, we're looking at diversification. So, essentially, spreading the risk of across the entire globe, which is appropriate for lowering as much risk as market risk as much as possible, but also making sure we're providing getting growth from as many different countries as possible. We would also then see, because that investment doesn't include The United States Of America, the S and P 500, which is giving you exposure to the top 500 companies in The US. As much as we still have seen the ups and downs in the market there, it is still appropriate to be invested in that area.","start_word":970,"end_word":1099,"sentiment":"neutral","sentiment_score":0.1234906241297722},{"text":"We have still seen some really good growth, and even with everything they've gone through, The US is still providing good returns. So we've would be investing 25% in there.","start_word":1100,"end_word":1129,"sentiment":"positive","sentiment_score":0.5989639163017273},{"text":"And then we've also got the beta shares Australian 200, so giving you exposure to the top 200 companies on the ASX.","start_word":1130,"end_word":1151,"sentiment":"neutral","sentiment_score":0.3217226564884186},{"text":"And that's a more of a passively managed fund, which is great. We're still seeing good returns from that investment, and we'd hold about 20% on the Australian market there.","start_word":1152,"end_word":1181,"sentiment":"positive","sentiment_score":0.597325325012207},{"text":"And then we'd also have about 10% sitting in a global physical gold, so giving you exposure to physical gold, which is a growth asset, but it's also defensive in nature. So gold is it always gets growth.","start_word":1182,"end_word":1219,"sentiment":"neutral","sentiment_score":0.2407706081867218},{"text":"We all love a little bit of gold.","start_word":1220,"end_word":1227,"sentiment":"positive","sentiment_score":0.34068241715431213},{"text":"But then whenever equities have a bit of a downtime, just people tend to use gold as a bit of a safe haven.","start_word":1228,"end_word":1250,"sentiment":"neutral","sentiment_score":0.1347685605287552},{"text":"So it can act defensively when it needs to as well, which is great.","start_word":1251,"end_word":1264,"sentiment":"positive","sentiment_score":0.39915555715560913},{"text":"And then we've just got the defensive investments within this sort of portfolio. So core composite bonds giving you exposure to the bonds within associate government and corporate bonds. It's also giving you exposure to physical notes and other bank notes and fixed interest across the globe as well.","start_word":1265,"end_word":1313,"sentiment":"neutral","sentiment_score":0.1893777996301651},{"text":"So it is a good investment to still have in there.","start_word":1314,"end_word":1324,"sentiment":"positive","sentiment_score":0.4206531345844269},{"text":"BetaShares Bank Hybrid, that one is still appropriate for the time being down the track that may be worth removing out. But at the moment, it's it's seen as a defensive asset, but it it does get really good growth as well. So it is still fairly appropriate to have in the portfolio currently there. Did you feel like any of those would need to be sorta changed out? Do you have any concerns about any of those investments or any questions at all? No. No concerns, to be honest. That's I'm Yeah. doing too bad. I mean, yeah, I did hear stories the start of the year with people that were heavily invested in oil and lost. Yeah, a third of their super and stuff like that. But Yeah. No. no. That sounds alright. And I just That wanted sounds to just okay. ask the question is, like, Of course. with the with the 25,000, that will is that enough to, like will it get it'll get paid out dividend a couple Mhmm. times a year Yeah. or something? Is that how they work? Yeah.","start_word":1325,"end_word":1510,"sentiment":"neutral","sentiment_score":0.04482745405246494},{"text":"Yeah. Absolutely. So all those investments are ETFs, so they do all pay out dividends and income as well as as well as getting growth.","start_word":1511,"end_word":1535,"sentiment":"positive","sentiment_score":0.38418978452682495},{"text":"So those dividends will be paid out to your cash account within the investment, and we'll have those reinvested back into Yep. the portfolio for compounding effects.","start_word":1536,"end_word":1562,"sentiment":"neutral","sentiment_score":0.30150550603866577},{"text":"So, yeah, dividends Yep. are absolutely something we'd like to consider. When we look at a portfolio, we wanna make sure you're getting both growth and income out of that.","start_word":1563,"end_word":1592,"sentiment":"positive","sentiment_score":0.43467530608177185},{"text":"The other thing I just like to make sure you are aware, and then you invested in your own name as well anyways, so you're probably aware of the tax side of things. But every year, at the end of the tax year, you will get a tax statement for the investment portfolio, and that will outline all the information that your account needs to include in your tax return there for you as well. So growth income, any overseas income that's being paid out that needs to kind of be, you know, accounted for, any deductions that, you know, within the funds that that can be accounted for as well. All that is provided in a tax statement at the end of the year, and that just gets given to your accountant and they can include that in your personal tax return as well. Okay? Yep.","start_word":1593,"end_word":1739,"sentiment":"neutral","sentiment_score":0.13338644802570343},{"text":"Perfect. Yep. Beautiful.","start_word":1740,"end_word":1742,"sentiment":"positive","sentiment_score":0.5624075531959534},{"text":"The only other thing to sort of make mention was, obviously, with this one here, we essentially did have the ongoing remuneration side of things. So we do charge 1.10% from the investment account based on the the advice and what we had sort of looked at. This year, we're expecting $313 to be paid from that account. That's for looking after the investment account, and that only ever gets charged when the money goes in. So once the money goes into the investment account, then we start charging the ongoing service fee for that, and we'll review that with you on a yearly basis the same as we will with your super as well. But do you have any questions in relation to any of that? Is there any concerns at all? Or No. That sounds pretty good. Yeah. And so Yep. That's of that 25,000, roughly about 6% growth. Is that what you're saying? so And when we kind of had the projected outcome, we were looking at so the the balanced growth portfolio at the time had a five year rolling average of around about sort of 16.55%. Obviously, I don't expect you to get that percent every year because markets do go up and down. But, essentially, what we are sort of looking for between the balanced growth environment, we are sort of wanting around about six to 8% on a yearly basis and having that compounded forward.","start_word":1743,"end_word":1984,"sentiment":"neutral","sentiment_score":0.10264519759076686},{"text":"So if you can get in between that sort of six to 8% every year and compounding that over time, that provides you with a really good rate of return and a good amount of growth.","start_word":1985,"end_word":2020,"sentiment":"positive","sentiment_score":0.42710983753204346},{"text":"However, in that balanced growth environment, we do expect a negative year to be likely around about whenever every six years or so. So there will be a time when maybe the investment doesn't perform as well or there there there is a negative return or the returns are a bit lower than expected, and that's just due to normal market volatility.","start_word":2021,"end_word":2082,"sentiment":"negative","sentiment_score":-0.3554099202156067},{"text":"But we will kinda go through things with you each year and revisit the portfolio and update and make changes when we need to as well if that helps. Yep. Yeah. When was the last day on the So this portfolio, the last time I mean, we've had a few downs this year as well. So the market around about sort of a March to April, we saw between a two to 3% dip in the market with what was happening.","start_word":2083,"end_word":2163,"sentiment":"neutral","sentiment_score":-0.08027669042348862},{"text":"But since then, the market has come out and actually showing really good growth, and we are still seeing positive returns from that.","start_word":2164,"end_word":2186,"sentiment":"positive","sentiment_score":0.3552110195159912},{"text":"Other than that, '22 and '23, we saw quite a bit of up and down. And then late last year in 2025, we also had pretty heavy dip with the tariffs that was going into place. So, realistically, overall, these portfolios haven't really had just thinking the last proper negative year was at least about three years ago. Since then, every year, we have sort of generated positive returns overall, although the positive returns may have been a little bit lower than expected with the amount of volatility in the market. So, realistically, Yep.","start_word":2187,"end_word":2280,"sentiment":"neutral","sentiment_score":-0.03901259315774796},{"text":"if this sort of portfolio can generate you know, can show by research as average 16.55% over the past five years, even with the amount of volatility that we have gone through and seen in the past five years, then it sort of shows you that this portfolio has withstood those ups and downs, and it can generate those kinds of returns moving forward if given the same market conditions in the past.","start_word":2281,"end_word":2353,"sentiment":"positive","sentiment_score":0.36538299918174744},{"text":"Realistically, I just wanna make sure you are getting at least that to 8% on a yearly basis, but it is an expectation that markets will go up and will go down. And, look, I can tell you what what I have seen in the past and where the volatility has kinda hit and what kind of average returns we've seen, but it also comes down to what happens with it moving forward. So just making sure that we do put the sorry. Just making sure that we do obviously put the the the money in on a regular basis, the dollar cost averaging even through the down times. When the market aren't performing really well, I do find a lot of people ringing and go, hey. I wanna kinda stop those contributions going in. But in all honesty, that's the best time. If you do see a bit of a market dip, we do have a bit of a downtime. Just keep that money going into the portfolio. Take advantage of that, and you'll buy more units to those investments. Everyone always says, you know, buy low, sell high, but it is the hardest time to convince yourself to do it. But if you ring me, I'll be telling you to keep going and keep buying, keep investing, and take advantage of those downtimes because in all honesty, that's what I do. I see a downtime, and I get a little bit excited. So it gives it's essentially just a bit of a buying opportunity. And the other thing is these investments have always stood those ups and downs. They've been through times like COVID and the GFC, and they've withstood that.","start_word":2354,"end_word":2636,"sentiment":"neutral","sentiment_score":0.05063152500155115},{"text":"So we wanna make sure that you're in quality investments that are being through the ups and downs that can withstand that and that you're in a in a environment that you're comfortable with as well. But I'm more than happy to send this through to you as well if you like just so you can run your eyes over that one. You can have a bit of a look at it, and let me know if there are any additional questions there at all.","start_word":2637,"end_word":2721,"sentiment":"positive","sentiment_score":0.5486418604850769},{"text":"I The last question will be Of course. so just let us know how much about this sort of stuff. That's So okay. all of the of the 25,000 we put in first up, Yes. in a in a year's time, how much Mhmm. money in debt dividends would we be expected to be paid and then reinvested? It's really hard to kinda tell you that answer Yeah. just because when we're looking at growth, we're looking at the overall, so income plus growth. The research we get, unfortunately, doesn't break down income aside from growth, and dividends change. So, essentially, the ETFs every couple of months, a lot of the Vanguard and iShares ETFs pay dividends on a biannually or quarterly basis, and they actually all Yep. come out a few a few weeks prior to the dividend period to say how much they're gonna pay in dividends. So those dividends do change on a regular basis. You tend to get a few cents or a few dollars per share. So it is very hard to kinda confirm that for you just because it's it is up to the investment company at the time that the dividends are due.","start_word":2722,"end_word":2921,"sentiment":"neutral","sentiment_score":0.03767483308911323},{"text":"But what I'd be probably looking at trying to do for you is just to kinda look get it started for the first year, have a really good look at it.","start_word":2922,"end_word":2952,"sentiment":"positive","sentiment_score":0.4587343633174896},{"text":"We could maybe touch base in six months' time and see where things are tracking and then do a full year kind of review of things, see if there's any changes that needs to be made, look at what the income is that's being generated on a regular basis for you just with the projection table. And I know this is just a projection table, but that does look at the but that does look at the expected with the five year rolling average and the fees there, that over the next sort of five years, you could end up with about 73,000 sitting in super by considering the growth, the income, and the additional cost of having the investment account open. So that is the projected outcome over the next five years. We can definitely review that to see whether you're on track for that or whether changes need to be made, but I am really sorry, Jack.","start_word":2953,"end_word":3111,"sentiment":"neutral","sentiment_score":0.10963553935289384},{"text":"I can't break down the income expectation away from the growth.","start_word":3112,"end_word":3122,"sentiment":"negative","sentiment_score":-0.5221805572509766},{"text":"I'd love to be able to do that, but if I could do that, I could probably, you know, be just day trading myself. It wouldn't have Yeah. to work. No. So I was just like, what how long until I can quit my day job? That's what I was thinking too. Yeah. No. Definitely. I mean, you guys have got another baby coming, don't you? Yeah. Yeah. Yeah.","start_word":3123,"end_word":3191,"sentiment":"neutral","sentiment_score":-0.17578214406967163},{"text":"I want Congratulations the dividends to on start that as paying well.","start_word":3192,"end_word":3203,"sentiment":"positive","sentiment_score":0.5536714792251587},{"text":"me some money.","start_word":3204,"end_word":3206,"sentiment":"neutral","sentiment_score":0.2724037170410156},{"text":"Absolutely. Thank you.","start_word":3207,"end_word":3209,"sentiment":"positive","sentiment_score":0.5240585207939148},{"text":"No. That's okay. That's not a problem. Did you want me to re email the document through to you so you can run your eyes over it? How would you like to proceed? And do you have any other questions at all? I already said the $70.70 odd thousand just then. That was Yeah. this this account, yeah, in five years' time Yep. with this plan could potentially have, yeah, 70,000 instead of 25. Yeah. Correct. Yes. Yep. So starting with that 25 and then dollar cost averaging that $100 per week or essentially 4,800 over the course of the year. It is also not limited to that. If you find you have some extra money you wanna whack in there at any point, you can. Unlike your sleep, you're not limited with your personal investment account. So you can be putting in more if you want to at any point in time. But, yeah, just for the projected outcome, that's what we kinda have projected with the advice document. But it does come down to how markets react over time, and we'll keep kinda reviewing that with you on a regular basis and see where we're tracking for. But, also, these investments, you know, they work really well now, but they might, in a year or two or three's time, need to be updated, in which case we'll probably do a bit of a switch out and see where that tracks for as well. Yeah. Yep. No. That that sounds Beautiful.","start_word":3210,"end_word":3461,"sentiment":"neutral","sentiment_score":0.09738421067595482},{"text":"pretty good, though, to be honest.","start_word":3462,"end_word":3467,"sentiment":"positive","sentiment_score":0.3461270332336426},{"text":"Yeah.","start_word":3468,"end_word":3468,"sentiment":"neutral","sentiment_score":0.25184381008148193},{"text":"Fantastic.","start_word":3469,"end_word":3469,"sentiment":"positive","sentiment_score":0.4651165008544922},{"text":"It's sorta. Been a while since I looked at the documents, but, yeah, that all sounds Yeah. I'm trying That's to see why why I was on board. okay.","start_word":3470,"end_word":3498,"sentiment":"neutral","sentiment_score":0.08267246186733246},{"text":"Fantastic. Well, I'm happy to I'll take this document, and I'll email it through to you now. That way, you do have a copy there. It is the one that you signed as well, so you can definitely see everything.","start_word":3499,"end_word":3538,"sentiment":"positive","sentiment_score":0.4821663200855255},{"text":"Let me know if you do happen to have any questions there. And are you happy if I get, Jack to maybe, organize and send you the bank the the details to have the transfer done in, or did you wanna set it up direct debit? How would you like to kind of proceed with the deposits? I think I gave him the I gave him the bank account last week. Okay. And I think I think he was gonna take it out, like, this Friday or Thursday. He just he's already just waiting for you to give me a call, and then he said he was gonna do it. I Yep.","start_word":3539,"end_word":3650,"sentiment":"neutral","sentiment_score":0.1456444263458252},{"text":"Beautiful.","start_word":3651,"end_word":3651,"sentiment":"positive","sentiment_score":0.41227075457572937},{"text":"Not a problem think. at all.","start_word":3652,"end_word":3657,"sentiment":"neutral","sentiment_score":0.2833569347858429},{"text":"I'll let Jack know that we've spoken, that you're happy to proceed, and I'll get him just to follow-up, let you know if there's anything else that needs to be signed and to have that deposit organized there for you.","start_word":3658,"end_word":3697,"sentiment":"positive","sentiment_score":0.3466636538505554},{"text":"Is that okay? Yeah.","start_word":3698,"end_word":3701,"sentiment":"neutral","sentiment_score":0.15724366903305054},{"text":"It's fine. Yep. Let him thank you so much for that.","start_word":3702,"end_word":3712,"sentiment":"positive","sentiment_score":0.658467710018158},{"text":"Do you have any other questions or anything else you need from me at the moment at all? You're welcome to ask me anything you like. No. That's about the extent. Oh, boy. Yeah. There's no way. I got nothing else to that. No. That's okay. I'm just emailing you the document now, so it should come through very shortly.","start_word":3713,"end_word":3772,"sentiment":"neutral","sentiment_score":0.1583816260099411},{"text":"When you do get a hold of it, you're welcome to run your eyes over it, and I'll let Jack know that you're happy to proceed and move forward with that. Okay. Awesome. Thank you. My pleasure, Jack. I hope you have a great day. You too. Thanks We'll for talk taking to you soon.","start_word":3773,"end_word":3827,"sentiment":"positive","sentiment_score":0.5602049827575684},{"text":"my call.","start_word":3828,"end_word":3829,"sentiment":"neutral","sentiment_score":0.2414722889661789},{"text":"Will do. Thank you so much. I'll talk to you soon. See you later.","start_word":3830,"end_word":3843,"sentiment":"positive","sentiment_score":0.4889216423034668},{"text":"Hang on. Bye.","start_word":3844,"end_word":3846,"sentiment":"neutral","sentiment_score":0.20629099011421204}],"average":{"sentiment":"neutral","sentiment_score":0.159492395486042}}}}