{"metadata":{"transaction_key":"deprecated","request_id":"019ef805-e1a4-7df1-b450-846049b80f1a","sha256":"c28a4980e2553453e9bdb26fb6df2ec977479a94d297f811d19bd4b4b5e2ba95","created":"2026-06-24T05:06:37.796Z","duration":789.62396,"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":3081,"output_tokens":98},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3460,"output_tokens":3467},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3460,"output_tokens":216}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. Good afternoon, Douglas. How are you? You're all good. You've had a busy day. Yeah. No. That's okay. That's not a problem at all. So because you're on the track, dad, you don't have access to your emails at the moment. No. That's okay. That's not a problem at all. If you like what I'll do, I'll run you through the recommendations. I'll try not to overcomplicate it. And then I've emailed you the document as well, so you're welcome to have a bit of a look at it, run your eyes over it. Let me know if you do happen to have any questions, and if you're happy to take those recommendations on board for your investments, please, then we can I'll get you to sign, return it back, and we'll process it for you nice and quickly. Okay? Excellent. So what I'll do is I'll run you through these. If you do find you have any questions as we're going through it, let me know. I'll try not to overcomplicate it, and then I'll let you go back and have a really good read of it. Okay? Easy. So with the document here, when you do receive it, it has been dated for yourself as of the 06/15/2026. Our documents are valid for sixty days. So in all honesty, if you get busy and you need a bit more time, absolutely fine. Just let me know. We'll just double check if circumstances haven't changed majorly. Okay? On the bottom of the document, it has noted that has been prepared by myself and my beautiful team here at OKIE Financial. My registration number with ASIC is 1304394. Okay. Sorry. What was that? With regards to the advice, we have disturbed in superannuation. So as we kinda went through your annual review, we had a bit of a chat about some of the underperforming investments. I'm just having a look at where you're sort of tracking with regards to your goals there. You do have an investment property, and you're sort of hoping in the next five years, if this is still the same, that you're wanting to sell that property and utilize the the growth to pay off your mortgage. Is that still what you're hoping to do with your investment property there? Oh, yes. Sorry. And you're hoping to pay that down beforehand? Before retirement? Yes. Beautiful. Can you hear me okay? Sorry. The phone's a little bit crackly. Yeah. That's okay. Can you hear me better now? Yeah. Beautiful. Awesome. Let me know if it does sort of break up a little bit because I'll just keep talking and you won't even I won't even know. I only noticed before because it was sort of breaking into that a little bit. So, essentially, with this one here, we are looking at scoping your superannuation and just making sure that your super is working harder for you. So I did have a look at your net wealth super fund as well as all the other ones out there. Having you look at how everything has been performing and realistically moving out of net worth. Net wealth is not preferable as of now. We're gonna look at retaining Netwealth Super for you. It is a great fund, and I wanna see moving into any other funds now would increase the capital gains consequences for you. Okay? So I'm recommending you a stay within Netwealth there, but we're gonna do a bit of an investment switch here. So we're gonna sell off some of your investments. We're gonna keep essentially, just to break this down, make it nice and easy for you because we don't wanna make it too overcomplicated, but the Bennelong Australian Equities has been underperforming, so we're removing all of that from your portfolio and then just doing a bit of a quick rebalance there for you. Because Bennelong has been underperforming, we're gonna replace that with the BetaShares a 200. That's essentially increasing your exposure into the Australian equities and having you as greater providing greater diversification. So instead of having exposure to 15 to 25 different Australian equities, you're gonna have exposure to over 200. So it helps to lower the risk of your portfolio and gives you greater diversification. And the Australian two 100 is a cheaper investment as well, so it helps to lower your fees within the super fund. Okay? Within that, just rebalancing a couple of the other investments. So you've got some bank hybrids there. We're retaining and buying a few more in there just to bring your level back up to 12% because you are in that growth exposure. We wanna make sure you've got some defensive assets and lower risk investments. We're gonna rebalance and buy into the beta shares rapid 200 as well, just making sure you've got some exposure to mid cap stocks there. We've got some cybersecurity. So the S and P 500 and the iShares deal plus, so just buying a bit more into that to rebalance you a little bit and selling off some global infrastructure there as well. And physical gold has done really well, but you're a bit overexposed there. So we're just gonna bring that back down to 8%. So, essentially, rebalancing your portfolio just to make sure that you stay in line with your growth risk profile. Does that make sense? Yeah. Beautiful. Now because you are in that kind of growth area, we're actually sort of making sure your your balance growth, sorry, is more around that sort of seventy thirty split and making sure we have that is keeping it. So you've got about 70% growth assets wanting to make sure you're getting good growth and returns out of your portfolio, but then 30% in those defensive assets and making sure that you are also protecting your capital and, you know, having some of those low risk investments as well. Does that make sense? Does that still feel fairly comfortable for where you're at? Yep. Beautiful. Now having a look because then along has been underperforming pretty significantly here, we had a good look at the capital gains consequences because your super fund, like you, does a tax return every year, and there are taxes involved with buying and selling investments. Your super fund will have no CGT consequences there, so that is a benefit for you. And by making the switch, the investment fees are expected to reduce by $243 per year. So that is sorry. That is also another benefit for you. Okay? We also noted that the five year rolling average, when we compare your current portfolio with the recommended, the newer portfolio has has seen a greater past sorry, greater past performance. So when we project that forward over the next sort of five to eight years towards your goal of accessing super at 67, we can see this portfolio as long as it performs the same way, putting you in a much greater position, which is a benefit as well. Okay? I did sort of have a look at projecting to age 67 just to see where we were tracking there, having a bit of a look based on your current circumstances. We also wanted to look at whether you were gonna be eligible for age pension there. Having a look at your circumstances, you should have no problem with that getting some age pension and then supplementing some of your super. We are sort of looking at trying to get an income of about $1,000 per week in retirement there. Having a look at where we are projected, it looks like at the moment, we are a little bit under projected. So we're able to average at the moment, an income per year is about $43,001.63. So it is essentially 8,000 less than your target income there. But moving forward, we can look at other areas and other, you know, other advice around additional contributions, maybe looking at putting some more into super. When you turn 60, look at other strategies like that transfer retirement strategy as well. So you can increase your contributions in, and we try to pull a little bit out to, you know, even at your income as well as making more contributions to super there. But all these strategies do sort of have to be factored in a bit more down the track. At the moment, you weren't able to sort of make any more additional contributions to super over and above what you are. Your mortgage is important to pay down there as well. And then also just making sure that, you know, things are working harder for you. So we'll start by just doing the investment switch for you, then we'll sort of track forward and look at how the performance is, how everything's going over the next sort of six to twelve months, and then look at whether there's any new strategies we can put in place to help boost this super moving forward. Does that sound okay? Yep. Beautiful. Do you have any questions at the moment? Try not to overcomplicate those investments switches. Is there anything you wanted to kinda ask? Yeah. I mean, at the end of the day, making sure that the investments are working harder and investments that you were in when you first came on board or even last year do need to be updated on a regular basis, and the investments in what you in now might need to be changed in the future there as well. So it's just about involving the advice and involving your strategy as we work towards your goals. And then as we get closer and closer, we'll look at other strategies to help boost your super and put you in a better position to give you the best possible retirement. Yeah. How does that sound? Yeah. All good. Do you have any questions or anything? Sorry? It does. Doesn't it? It does. And look. You're getting closer to it. It absolutely is. It is. I swear, as we get older, the years go faster and faster and faster. But, no, honestly, look, you're 59 this year. So, essentially, when you do hit that, yeah, so when you do hit sort of 60 and beyond, we can look at other strategies. You're not quite there yet, so we can't sort of factor in the TTR at the moment. But when you do get to 60, we can factor in additional advice. As I kinda mentioned, the trends to your time strategy is great because it allows you to put more money into super, basically trying to maximize that your contributions caps as much as possible, but you're able to access a little bit of that money as well. So you can draw down, keep your take home pay as close as possible to what you've got whilst increasing contributions then. And that kinda works quite well, but not quite there yet. You're only 59, so, you know, don't wanna push too hard and make you feel older than you actually are. Only for another month. We'll enjoy. Are you gonna do anything fun for your birthday? Do you have anything planned at all? Or yeah. You're gonna go out for dinner or do anything? No? Not quite one. No. All good. We'll we'll put this in place there for you if you're happy to go ahead with it. We'll review it. Did you want me to review it in about six or twelve months with you? What would you like to see moving forward? Six months? Yeah. Beautiful. And then we can have a bit of a look at what else we can do put in place, and how we can kind of boost your super there. So you've realistically only got about, you know, seven and a half, not even not even quite eight years there before you're accessing your super at 67 and being able to apply for age pension. So we'll look at what we can do to kind of boost that in that time frame. Okay? All good. All of our advice is updated for you because you're an ongoing service client. You do pay the ongoing service fee to our services there. It is 1.65% per annum. That's all being factored into the advice and the projections there as well. There's no implementation costing for this advice. It's all complimentary. It's been a client of ours and making sure it's all working harder for you. This is a nice, fairly simple document. It's a bit of an investment switch in looking at the current outcome projected in retirement there at age 57 based on your current scenario. But is there anything else that you kind of wanted to ask or needed me to sort of work on for you while you've got me here, or you're just sort of happy to take that and have a bit of a look at it? Yeah. Beautiful. If you do find you have any questions, let me know. If you're happy just to take on those recommendations, I'll get you to sign the document, return it back, and we'll have that implemented nice and quickly. It'll be good to get you out of that along that investment has been underperforming pretty significantly. So moving you out of that and moving you into another portfolio that's been working better, we'll hopefully see that perform nicer and yeah. Hopefully, Marcus work in our favor this year. It'd be nice if we saw some stability out of it instead of the ups and downs we're being all noticing. All good. Well, that's basically everything I needed to go through with you. I'll let you go. Have a bit of a read through that one, and then do let me know if you do happen to have the additional questions. We've outlined the advantages, disadvantages, and the risks involved in there for you as well. Okay? Easy. Give me a call if you do have any questions or concerns there, Doug. But you have a good afternoon. Are you finished now, or you got a bit more work to do? Yeah. Yeah. Beautiful. Well, you enjoy that. Have a good day, and I'll talk to you very soon. Thanks for your time. See you later. Bye.","confidence":0.9970703,"words":[{"word":"hi","start":1.76,"end":2.0,"confidence":0.93603516,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.20303907990455627},{"word":"good","start":2.0,"end":2.24,"confidence":1.0,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.3916603624820709},{"word":"afternoon","start":2.24,"end":2.6399999,"confidence":0.9946289,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.34720829129219055},{"word":"douglas","start":2.6399999,"end":3.04,"confidence":0.9904785,"punctuated_word":"Douglas.","sentiment":"positive","sentiment_score":0.4129136800765991},{"word":"how","start":3.04,"end":3.1999998,"confidence":1.0,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.466528594493866},{"word":"are","start":3.1999998,"end":3.4399998,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.37996846437454224},{"word":"you","start":3.4399998,"end":3.9399998,"confidence":1.0,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.360959529876709},{"word":"you're","start":7.9199996,"end":8.24,"confidence":0.99560547,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.5665135383605957},{"word":"all","start":8.24,"end":8.48,"confidence":0.9790039,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6042845845222473},{"word":"good","start":8.48,"end":8.72,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5224753618240356},{"word":"you've","start":8.72,"end":8.88,"confidence":0.9946289,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.12502312660217285},{"word":"had","start":8.88,"end":9.12,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09577370434999466},{"word":"a","start":9.12,"end":9.2,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020436011254787445},{"word":"busy","start":9.2,"end":9.599999,"confidence":1.0,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":0.02681951224803925},{"word":"day","start":9.599999,"end":10.099999,"confidence":1.0,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.017132505774497986},{"word":"yeah","start":17.135,"end":17.535,"confidence":0.9658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06738084554672241},{"word":"no","start":17.535,"end":17.775,"confidence":0.9926758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11023637652397156},{"word":"that's","start":17.775,"end":18.015,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.031167924404144287},{"word":"okay","start":18.015,"end":18.415,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03344022110104561},{"word":"that's","start":18.415,"end":18.655,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17134210467338562},{"word":"not","start":18.655,"end":18.815,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.18444746732711792},{"word":"a","start":18.815,"end":18.975,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16600856184959412},{"word":"problem","start":18.975,"end":19.295,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.15951506793498993},{"word":"at","start":19.295,"end":19.455,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1735016256570816},{"word":"all","start":19.455,"end":19.615,"confidence":0.9980469,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.18734043836593628},{"word":"so","start":19.615,"end":19.855,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.027418702840805057},{"word":"because","start":19.855,"end":20.255001,"confidence":0.95166016,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.002323970198631286},{"word":"you're","start":20.255001,"end":20.755001,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.013813190162181854},{"word":"on","start":21.295,"end":21.535,"confidence":0.9394531,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03218250721693039},{"word":"the","start":21.535,"end":21.695,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05139728635549545},{"word":"track","start":21.695,"end":21.935001,"confidence":0.44726562,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.01259448565542698},{"word":"dad","start":21.935001,"end":22.255001,"confidence":0.8186035,"punctuated_word":"dad,","sentiment":"neutral","sentiment_score":-0.02841300331056118},{"word":"you","start":22.255001,"end":22.415,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0870567336678505},{"word":"don't","start":22.415,"end":22.654999,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06128722056746483},{"word":"have","start":22.654999,"end":22.815,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07005321979522705},{"word":"access","start":22.815,"end":23.135,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.1293458640575409},{"word":"to","start":23.135,"end":23.295,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1109958067536354},{"word":"your","start":23.295,"end":23.455,"confidence":0.9819336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07705220580101013},{"word":"emails","start":23.455,"end":23.855,"confidence":0.91845703,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.0330481193959713},{"word":"at","start":23.855,"end":24.015,"confidence":0.48217773,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1043752133846283},{"word":"the","start":24.015,"end":24.175,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0375918485224247},{"word":"moment","start":24.175,"end":24.675,"confidence":0.9790039,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.06738816201686859},{"word":"no","start":26.24,"end":26.56,"confidence":0.71032715,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09758944809436798},{"word":"that's","start":26.56,"end":26.8,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.00375318038277328},{"word":"okay","start":26.8,"end":27.119999,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07645107060670853},{"word":"that's","start":27.119999,"end":27.279999,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2625300884246826},{"word":"not","start":27.279999,"end":27.399998,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2700834274291992},{"word":"a","start":27.399998,"end":27.519999,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2924407720565796},{"word":"problem","start":27.519999,"end":27.839998,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.2770520746707916},{"word":"at","start":27.839998,"end":28.0,"confidence":0.9970703,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3381321430206299},{"word":"all","start":28.0,"end":28.16,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.27371281385421753},{"word":"if","start":28.16,"end":28.32,"confidence":0.9980469,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3349497318267822},{"word":"you","start":28.32,"end":28.4,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2561498284339905},{"word":"like","start":28.4,"end":28.64,"confidence":0.9941406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.27327609062194824},{"word":"what","start":28.64,"end":28.8,"confidence":0.5410156,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3429037928581238},{"word":"i'll","start":28.8,"end":28.96,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.30843183398246765},{"word":"do","start":28.96,"end":29.199999,"confidence":0.99609375,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.3058323860168457},{"word":"i'll","start":29.199999,"end":29.439999,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.28483229875564575},{"word":"run","start":29.439999,"end":29.599998,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.27848461270332336},{"word":"you","start":29.599998,"end":29.759998,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2190549522638321},{"word":"through","start":29.759998,"end":29.919998,"confidence":0.7114258,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2305137813091278},{"word":"the","start":29.919998,"end":30.16,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2482951283454895},{"word":"recommendations","start":30.16,"end":30.66,"confidence":0.9707031,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.17052942514419556},{"word":"i'll","start":30.96,"end":31.119999,"confidence":0.984375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2137916535139084},{"word":"try","start":31.119999,"end":31.279999,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.24078071117401123},{"word":"not","start":31.279999,"end":31.439999,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13468988239765167},{"word":"to","start":31.439999,"end":31.679998,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20725451409816745},{"word":"overcomplicate","start":31.679998,"end":32.18,"confidence":0.9586589,"punctuated_word":"overcomplicate","sentiment":"neutral","sentiment_score":0.05025991424918175},{"word":"it","start":32.32,"end":32.82,"confidence":0.8376465,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12867258489131927},{"word":"and","start":33.04,"end":33.199997,"confidence":0.59277344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24084948003292084},{"word":"then","start":33.199997,"end":33.44,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.26914921402931213},{"word":"i've","start":33.44,"end":33.6,"confidence":0.9885254,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2853771150112152},{"word":"emailed","start":33.6,"end":34.0,"confidence":0.97265625,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.2742210030555725},{"word":"you","start":34.0,"end":34.16,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25556087493896484},{"word":"the","start":34.16,"end":34.32,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2277875393629074},{"word":"document","start":34.32,"end":34.72,"confidence":0.9921875,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.1902183294296265},{"word":"as","start":34.72,"end":34.879997,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24195533990859985},{"word":"well","start":34.879997,"end":35.04,"confidence":0.8234863,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.22269251942634585},{"word":"so","start":35.04,"end":35.199997,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2098939418792725},{"word":"you're","start":35.199997,"end":35.36,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.25604063272476196},{"word":"welcome","start":35.36,"end":35.68,"confidence":0.9970703,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.3607798516750336},{"word":"to","start":35.68,"end":35.84,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3542093336582184},{"word":"have","start":35.84,"end":36.0,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3413064181804657},{"word":"a","start":36.0,"end":36.079998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3142745792865753},{"word":"bit","start":36.079998,"end":36.239998,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2927617132663727},{"word":"of","start":36.239998,"end":36.32,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3277301490306854},{"word":"a","start":36.32,"end":36.399998,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27345240116119385},{"word":"look","start":36.399998,"end":36.559998,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.23894459009170532},{"word":"at","start":36.559998,"end":36.719997,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3082745373249054},{"word":"it","start":36.719997,"end":36.879997,"confidence":0.875,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2670603394508362},{"word":"run","start":36.879997,"end":37.04,"confidence":0.9941406,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.25211790204048157},{"word":"your","start":37.04,"end":37.199997,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2546023428440094},{"word":"eyes","start":37.199997,"end":37.519997,"confidence":1.0,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.24133551120758057},{"word":"over","start":37.519997,"end":37.68,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.32961004972457886},{"word":"it","start":37.68,"end":38.055,"confidence":0.9946289,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.23383989930152893},{"word":"let","start":38.295002,"end":38.455,"confidence":0.99121094,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.2458876222372055},{"word":"me","start":38.455,"end":38.535,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2899926006793976},{"word":"know","start":38.535,"end":38.695,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.28118690848350525},{"word":"if","start":38.695,"end":38.775,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2797330915927887},{"word":"you","start":38.775,"end":38.935,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28755632042884827},{"word":"do","start":38.935,"end":39.095,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28085240721702576},{"word":"happen","start":39.095,"end":39.335,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.2702551782131195},{"word":"to","start":39.335,"end":39.495,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25524240732192993},{"word":"have","start":39.495,"end":39.655,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.234287828207016},{"word":"any","start":39.655,"end":39.815,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2197137027978897},{"word":"questions","start":39.815,"end":40.215,"confidence":0.75268555,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.27036935091018677},{"word":"and","start":40.215,"end":40.375,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27750980854034424},{"word":"if","start":40.375,"end":40.455,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2774354815483093},{"word":"you're","start":40.455,"end":40.615,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.25191158056259155},{"word":"happy","start":40.615,"end":40.855,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.281036376953125},{"word":"to","start":40.855,"end":41.015,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.323036789894104},{"word":"take","start":41.015,"end":41.255,"confidence":0.99902344,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.3552981913089752},{"word":"those","start":41.255,"end":41.575,"confidence":0.9902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.38399866223335266},{"word":"recommendations","start":41.575,"end":42.075,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.2657586932182312},{"word":"on","start":42.295,"end":42.375,"confidence":0.7841797,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.36273813247680664},{"word":"board","start":42.375,"end":42.615,"confidence":0.99316406,"punctuated_word":"board","sentiment":"positive","sentiment_score":0.37595289945602417},{"word":"for","start":42.615,"end":42.775,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3004821240901947},{"word":"your","start":42.775,"end":42.935,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25930893421173096},{"word":"investments","start":42.935,"end":43.435,"confidence":0.6394043,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.20406025648117063},{"word":"please","start":43.975,"end":44.215,"confidence":0.83862305,"punctuated_word":"please,","sentiment":"neutral","sentiment_score":0.2262943834066391},{"word":"then","start":44.215,"end":44.455,"confidence":0.9658203,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2641492187976837},{"word":"we","start":44.455,"end":44.615,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24883699417114255},{"word":"can","start":44.615,"end":44.855003,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2695468068122864},{"word":"i'll","start":45.095,"end":45.255,"confidence":0.96118164,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2603784203529358},{"word":"get","start":45.255,"end":45.415,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24265682697296145},{"word":"you","start":45.415,"end":45.575,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20907197892665863},{"word":"to","start":45.575,"end":45.655,"confidence":0.88134766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23530806601047516},{"word":"sign","start":45.655,"end":45.975,"confidence":0.96362305,"punctuated_word":"sign,","sentiment":"neutral","sentiment_score":0.14851364493370056},{"word":"return","start":45.975,"end":46.215,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.17445345222949982},{"word":"it","start":46.215,"end":46.375,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2027309685945511},{"word":"back","start":46.375,"end":46.535,"confidence":0.99316406,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.18631190061569217},{"word":"and","start":46.535,"end":46.614998,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2599436938762665},{"word":"we'll","start":46.614998,"end":46.855,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.30668172240257263},{"word":"process","start":46.855,"end":47.255,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.29849693179130554},{"word":"it","start":47.255,"end":47.415,"confidence":0.9863281,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3519480228424072},{"word":"for","start":47.415,"end":47.575,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3193279802799225},{"word":"you","start":47.575,"end":47.735,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2131604254245758},{"word":"nice","start":47.735,"end":47.895,"confidence":0.78466797,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.3994110822677612},{"word":"and","start":47.895,"end":48.055,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30189672112464905},{"word":"quickly","start":48.055,"end":48.555,"confidence":0.9716797,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.225213423371315},{"word":"okay","start":48.695,"end":49.195,"confidence":0.98046875,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11919257044792177},{"word":"excellent","start":51.11,"end":51.61,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5469681024551392},{"word":"so","start":51.67,"end":51.829998,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.40439602732658386},{"word":"what","start":51.829998,"end":51.989998,"confidence":0.99609375,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.39400291442871094},{"word":"i'll","start":51.989998,"end":52.15,"confidence":0.97680664,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.37670284509658813},{"word":"do","start":52.15,"end":52.23,"confidence":0.65234375,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.411847859621048},{"word":"is","start":52.23,"end":52.39,"confidence":0.8413086,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.32611069083213806},{"word":"i'll","start":52.39,"end":52.47,"confidence":0.9614258,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.30115219950675964},{"word":"run","start":52.47,"end":52.71,"confidence":0.9970703,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.3009108304977417},{"word":"you","start":52.71,"end":52.87,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29114389419555664},{"word":"through","start":52.87,"end":53.03,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2892930209636688},{"word":"these","start":53.03,"end":53.51,"confidence":0.9831543,"punctuated_word":"these.","sentiment":"neutral","sentiment_score":0.2528449296951294},{"word":"if","start":53.51,"end":53.75,"confidence":0.8354492,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.27733051776885986},{"word":"you","start":53.75,"end":53.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2263866662979126},{"word":"do","start":53.91,"end":54.07,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2560745179653168},{"word":"find","start":54.07,"end":54.309998,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.24634745717048645},{"word":"you","start":54.309998,"end":54.47,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24149170517921448},{"word":"have","start":54.47,"end":54.55,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2381795644760132},{"word":"any","start":54.55,"end":54.79,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2025974690914154},{"word":"questions","start":54.79,"end":55.19,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1447220742702484},{"word":"as","start":55.19,"end":55.43,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25048109889030457},{"word":"we're","start":55.43,"end":55.51,"confidence":0.98339844,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2547928988933563},{"word":"going","start":55.51,"end":55.75,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.27835017442703247},{"word":"through","start":55.75,"end":55.91,"confidence":0.9838867,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.256648987531662},{"word":"it","start":55.91,"end":56.15,"confidence":0.99560547,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.22860068082809448},{"word":"let","start":56.15,"end":56.309998,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2381407916545868},{"word":"me","start":56.309998,"end":56.47,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.21782568097114563},{"word":"know","start":56.47,"end":56.63,"confidence":1.0,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.2137531340122223},{"word":"i'll","start":56.63,"end":56.87,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19894033670425415},{"word":"try","start":56.87,"end":57.03,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.21521133184432983},{"word":"not","start":57.03,"end":57.27,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.14570310711860657},{"word":"to","start":57.27,"end":57.43,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1992417275905609},{"word":"overcomplicate","start":57.43,"end":57.93,"confidence":0.96028644,"punctuated_word":"overcomplicate","sentiment":"neutral","sentiment_score":0.07097025215625763},{"word":"it","start":58.15,"end":58.55,"confidence":0.935791,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.15193882584571838},{"word":"and","start":58.55,"end":58.71,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15873368084430697},{"word":"then","start":58.71,"end":58.87,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21517209708690643},{"word":"i'll","start":58.87,"end":58.95,"confidence":0.98583984,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21316806972026825},{"word":"let","start":58.95,"end":59.11,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2558641731739044},{"word":"you","start":59.11,"end":59.27,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22703781723976135},{"word":"go","start":59.27,"end":59.43,"confidence":0.7421875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23437626659870148},{"word":"back","start":59.43,"end":59.59,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.22957515716552737},{"word":"and","start":59.59,"end":59.75,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22454369068145752},{"word":"have","start":59.75,"end":59.91,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22723284363746643},{"word":"a","start":59.91,"end":59.989998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25762054324150085},{"word":"really","start":59.989998,"end":60.23,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2910359799861908},{"word":"good","start":60.23,"end":60.39,"confidence":0.9921875,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2593628466129303},{"word":"read","start":60.39,"end":60.55,"confidence":0.9428711,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.3603249192237854},{"word":"of","start":60.55,"end":60.629997,"confidence":0.7675781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31592994928359985},{"word":"it","start":60.629997,"end":61.03,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.22217810153961184},{"word":"okay","start":61.03,"end":61.53,"confidence":0.93408203,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.12583661079406738},{"word":"easy","start":63.445,"end":63.945,"confidence":0.9675293,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.2143466919660568},{"word":"so","start":64.005,"end":64.325,"confidence":0.47802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13152554631233215},{"word":"with","start":64.325,"end":64.485,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1526118814945221},{"word":"the","start":64.485,"end":64.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16378286480903623},{"word":"document","start":64.725,"end":65.045,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.13939125835895538},{"word":"here","start":65.045,"end":65.365,"confidence":0.9880371,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.16070646047592163},{"word":"when","start":65.365,"end":65.525,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1441534161567688},{"word":"you","start":65.525,"end":65.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12346819043159483},{"word":"do","start":65.685,"end":65.845,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10047027468681335},{"word":"receive","start":65.845,"end":66.165,"confidence":1.0,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.07128211855888367},{"word":"it","start":66.165,"end":66.245,"confidence":0.9970703,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.09429760277271272},{"word":"it","start":66.245,"end":66.485,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10627054423093796},{"word":"has","start":66.485,"end":66.885,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.09463877975940704},{"word":"been","start":66.885,"end":67.045,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.12347187846899033},{"word":"dated","start":67.045,"end":67.445,"confidence":0.99902344,"punctuated_word":"dated","sentiment":"neutral","sentiment_score":0.10064071416854858},{"word":"for","start":67.445,"end":67.605,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08830000460147858},{"word":"yourself","start":67.605,"end":68.005,"confidence":1.0,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.09311172366142272},{"word":"as","start":68.005,"end":68.245,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1291242092847824},{"word":"of","start":68.245,"end":68.405,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10058530420064926},{"word":"the","start":68.405,"end":68.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10373781621456146},{"word":"06/15/2026","start":68.485,"end":70.325,"confidence":0.99454755,"punctuated_word":"06/15/2026.","sentiment":"neutral","sentiment_score":0.09152736514806747},{"word":"our","start":70.325,"end":70.565,"confidence":0.9951172,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":0.10974902659654616},{"word":"documents","start":70.565,"end":71.045,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1046421006321907},{"word":"are","start":71.045,"end":71.205,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14152416586875916},{"word":"valid","start":71.205,"end":71.525,"confidence":0.99609375,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.13480082154273987},{"word":"for","start":71.525,"end":71.685,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12074629217386246},{"word":"sixty","start":71.685,"end":72.005,"confidence":0.9970703,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.16382133960723877},{"word":"days","start":72.005,"end":72.165,"confidence":0.85253906,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.13185963034629822},{"word":"so","start":72.165,"end":72.405,"confidence":0.9614258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17341624200344086},{"word":"in","start":72.405,"end":72.485,"confidence":0.70166016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1847086101770401},{"word":"all","start":72.485,"end":72.725,"confidence":0.92578125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16702616214752197},{"word":"honesty","start":72.725,"end":73.125,"confidence":0.95825195,"punctuated_word":"honesty,","sentiment":"neutral","sentiment_score":0.18079370260238647},{"word":"if","start":73.125,"end":73.285,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2666246294975281},{"word":"you","start":73.285,"end":73.365,"confidence":0.9741211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17375540733337402},{"word":"get","start":73.365,"end":73.525,"confidence":0.99121094,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04664762318134308},{"word":"busy","start":73.525,"end":73.925,"confidence":0.96435547,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":0.06084100902080536},{"word":"and","start":73.925,"end":74.165,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04101216793060303},{"word":"you","start":74.165,"end":74.245,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07607400417327881},{"word":"need","start":74.245,"end":74.565,"confidence":0.9770508,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0002104341983795166},{"word":"a","start":74.565,"end":74.725,"confidence":0.60498047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07360516488552094},{"word":"bit","start":74.725,"end":74.885,"confidence":0.94970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08052633702754974},{"word":"more","start":74.885,"end":75.125,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10380961000919342},{"word":"time","start":75.125,"end":75.445,"confidence":0.9951172,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.15262335538864136},{"word":"absolutely","start":75.445,"end":75.945,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.21249890327453613},{"word":"fine","start":76.085,"end":76.325,"confidence":0.99121094,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2240234911441803},{"word":"just","start":76.325,"end":76.565,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.11955757439136504},{"word":"let","start":76.565,"end":76.725,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08858972787857056},{"word":"me","start":76.725,"end":76.885,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10482752323150636},{"word":"know","start":76.885,"end":77.045,"confidence":0.9926758,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.09691984951496124},{"word":"we'll","start":77.045,"end":77.205,"confidence":0.99853516,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.06368157267570496},{"word":"just","start":77.205,"end":77.705,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.062135837972164154},{"word":"double","start":78.42,"end":78.74,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.011212632060050964},{"word":"check","start":78.74,"end":78.9,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.021465115249156952},{"word":"if","start":78.9,"end":78.979996,"confidence":0.8588867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.008488468825817108},{"word":"circumstances","start":78.979996,"end":79.479996,"confidence":0.7993164,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":-0.04125522822141647},{"word":"haven't","start":79.939995,"end":80.259995,"confidence":0.9970703,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.010003033094108105},{"word":"changed","start":80.259995,"end":80.58,"confidence":0.99609375,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.0708567202091217},{"word":"majorly","start":80.58,"end":81.08,"confidence":0.9947917,"punctuated_word":"majorly.","sentiment":"neutral","sentiment_score":0.023779643699526787},{"word":"okay","start":81.299995,"end":81.799995,"confidence":0.83154297,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05441095679998398},{"word":"on","start":83.22,"end":83.38,"confidence":0.7705078,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.08852749317884445},{"word":"the","start":83.38,"end":83.54,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0957271009683609},{"word":"bottom","start":83.54,"end":84.02,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.09710226953029633},{"word":"of","start":84.02,"end":84.18,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11741840839385986},{"word":"the","start":84.18,"end":84.34,"confidence":0.5029297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1022319346666336},{"word":"document","start":84.34,"end":84.82,"confidence":0.9812012,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.08637075126171112},{"word":"it","start":84.82,"end":84.9,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08843857795000076},{"word":"has","start":84.9,"end":85.14,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07276184111833572},{"word":"noted","start":85.14,"end":85.38,"confidence":0.9951172,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.0993734672665596},{"word":"that","start":85.38,"end":85.54,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1079367995262146},{"word":"has","start":85.54,"end":85.78,"confidence":0.60058594,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08568931370973587},{"word":"been","start":85.78,"end":85.939995,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0984145924448967},{"word":"prepared","start":85.939995,"end":86.259995,"confidence":0.9970703,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.15219512581825256},{"word":"by","start":86.259995,"end":86.42,"confidence":0.9951172,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.17532697319984436},{"word":"myself","start":86.42,"end":86.82,"confidence":0.99902344,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.2262590229511261},{"word":"and","start":86.82,"end":86.979996,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2220596969127655},{"word":"my","start":86.979996,"end":87.14,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.25077781081199646},{"word":"beautiful","start":87.14,"end":87.54,"confidence":1.0,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.4126926064491272},{"word":"team","start":87.54,"end":87.7,"confidence":1.0,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.34926658868789673},{"word":"here","start":87.7,"end":87.939995,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2688157260417938},{"word":"at","start":87.939995,"end":88.1,"confidence":0.97314453,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2347228080034256},{"word":"okie","start":88.1,"end":88.42,"confidence":0.6251221,"punctuated_word":"OKIE","sentiment":"neutral","sentiment_score":0.14641481637954712},{"word":"financial","start":88.42,"end":88.92,"confidence":0.9875488,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.14330515265464783},{"word":"my","start":89.619995,"end":89.86,"confidence":0.98535156,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.10918505489826202},{"word":"registration","start":89.86,"end":90.36,"confidence":1.0,"punctuated_word":"registration","sentiment":"neutral","sentiment_score":0.1335946023464203},{"word":"number","start":90.5,"end":90.82,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.10510283708572388},{"word":"with","start":90.82,"end":91.06,"confidence":0.9741211,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13606444001197815},{"word":"asic","start":91.06,"end":91.38,"confidence":0.43847656,"punctuated_word":"ASIC","sentiment":"neutral","sentiment_score":0.09442408382892609},{"word":"is","start":91.38,"end":91.54,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10530171543359756},{"word":"1304394","start":91.54,"end":93.735,"confidence":0.9990932,"punctuated_word":"1304394.","sentiment":"neutral","sentiment_score":0.11017082631587982},{"word":"okay","start":93.735,"end":94.235,"confidence":0.9526367,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2974012494087219},{"word":"sorry","start":97.494995,"end":97.895,"confidence":0.9042969,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.018513351678848267},{"word":"what","start":97.895,"end":98.055,"confidence":0.9970703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.01492328941822052},{"word":"was","start":98.055,"end":98.295,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.013647399842739103},{"word":"that","start":98.295,"end":98.795,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.030734889209270477},{"word":"with","start":102.935,"end":103.174995,"confidence":0.49047852,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.08174934983253479},{"word":"regards","start":103.174995,"end":103.575,"confidence":0.7553711,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.05093749240040779},{"word":"to","start":103.575,"end":103.655,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07402405887842178},{"word":"the","start":103.655,"end":103.735,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09696093201637268},{"word":"advice","start":103.735,"end":104.134995,"confidence":0.986084,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":-0.10000791400671004},{"word":"we","start":104.134995,"end":104.295,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13634487986564636},{"word":"have","start":104.295,"end":104.534996,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18653179705142975},{"word":"disturbed","start":104.534996,"end":104.935,"confidence":0.47143555,"punctuated_word":"disturbed","sentiment":"neutral","sentiment_score":-0.15924231708049774},{"word":"in","start":104.935,"end":105.174995,"confidence":0.9550781,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.29357391595840454},{"word":"superannuation","start":105.174995,"end":105.674995,"confidence":0.9725342,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":-0.2692016363143921},{"word":"so","start":105.975,"end":106.215,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12297998368740082},{"word":"as","start":106.215,"end":106.454994,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.16009511053562164},{"word":"we","start":106.454994,"end":106.615,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16832825541496277},{"word":"kinda","start":106.615,"end":106.854996,"confidence":0.8105469,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.1787855625152588},{"word":"went","start":106.854996,"end":107.095,"confidence":0.99902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.11729836463928224},{"word":"through","start":107.095,"end":107.255,"confidence":0.984375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10453185439109802},{"word":"your","start":107.255,"end":107.41499,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08032570034265518},{"word":"annual","start":107.41499,"end":107.735,"confidence":0.86279297,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":-0.07872389256954193},{"word":"review","start":107.735,"end":108.05499,"confidence":0.9995117,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":-0.07036954164505005},{"word":"we","start":108.05499,"end":108.215,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09294985234737396},{"word":"had","start":108.215,"end":108.375,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.09419873356819151},{"word":"a","start":108.375,"end":108.454994,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11633718013763428},{"word":"bit","start":108.454994,"end":108.615,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09781329333782196},{"word":"of","start":108.615,"end":108.81,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12796859443187714},{"word":"a","start":108.81,"end":108.89,"confidence":0.5185547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1338859796524048},{"word":"chat","start":108.89,"end":108.97,"confidence":0.97509766,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":-0.06516486406326294},{"word":"about","start":108.97,"end":109.21,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.10237565636634828},{"word":"some","start":109.21,"end":109.25,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1313081979751587},{"word":"of","start":109.25,"end":109.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18231020867824552},{"word":"the","start":109.29,"end":109.53,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22213077545166016},{"word":"underperforming","start":109.53,"end":110.03,"confidence":0.9951172,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.216414213180542},{"word":"investments","start":110.409996,"end":110.81,"confidence":0.76171875,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.21060100197792053},{"word":"i'm","start":110.81,"end":110.89,"confidence":0.7961426,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09382730722427368},{"word":"just","start":110.89,"end":111.13,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11048439145088196},{"word":"having","start":111.13,"end":111.369995,"confidence":0.9892578,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.06749708950519562},{"word":"a","start":111.369995,"end":111.45,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06464210152626038},{"word":"look","start":111.45,"end":111.61,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03429196774959564},{"word":"at","start":111.61,"end":111.77,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03881063312292099},{"word":"where","start":111.77,"end":111.93,"confidence":0.99121094,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.047816235572099686},{"word":"you're","start":111.93,"end":112.09,"confidence":0.96875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.04650910943746567},{"word":"sort","start":112.09,"end":112.329994,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.08471867442131042},{"word":"of","start":112.329994,"end":112.409996,"confidence":0.9135742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.058115214109420776},{"word":"tracking","start":112.409996,"end":112.81,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":-0.04900483787059784},{"word":"with","start":112.81,"end":113.049995,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.012633651494979858},{"word":"regards","start":113.049995,"end":113.369995,"confidence":0.8125,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.028941333293914795},{"word":"to","start":113.369995,"end":113.45,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021151244640350345},{"word":"your","start":113.45,"end":113.61,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.002756275236606598},{"word":"goals","start":113.61,"end":113.93,"confidence":0.9199219,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":-0.02010695263743401},{"word":"there","start":113.93,"end":114.43,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.04691131412982941},{"word":"you","start":114.729996,"end":114.89,"confidence":0.58984375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06804801523685455},{"word":"do","start":114.89,"end":115.13,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0410693883895874},{"word":"have","start":115.13,"end":115.29,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07082606852054596},{"word":"an","start":115.29,"end":115.45,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.10651659220457076},{"word":"investment","start":115.45,"end":115.93,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08142462372779846},{"word":"property","start":115.93,"end":116.329994,"confidence":0.9016113,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.10506372898817062},{"word":"and","start":116.329994,"end":116.49,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06680303812026978},{"word":"you're","start":116.49,"end":116.729996,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05867092311382294},{"word":"sort","start":116.729996,"end":116.97,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.12317262589931488},{"word":"of","start":116.97,"end":117.049995,"confidence":0.75634766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10753588378429411},{"word":"hoping","start":117.049995,"end":117.369995,"confidence":0.9892578,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.109509214758873},{"word":"in","start":117.369995,"end":117.53,"confidence":0.9790039,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11717776954174042},{"word":"the","start":117.53,"end":117.689995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13680578768253326},{"word":"next","start":117.689995,"end":117.93,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.12762221693992615},{"word":"five","start":117.93,"end":118.17,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.0979359969496727},{"word":"years","start":118.17,"end":118.49,"confidence":0.890625,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.09014008939266203},{"word":"if","start":118.49,"end":118.649994,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12597496807575226},{"word":"this","start":118.649994,"end":118.89,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.16847507655620575},{"word":"is","start":118.89,"end":118.97,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1650896817445755},{"word":"still","start":118.97,"end":119.21,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.197320893406868},{"word":"the","start":119.21,"end":119.369995,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15866297483444214},{"word":"same","start":119.369995,"end":119.869995,"confidence":0.9499512,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":-0.13141891360282898},{"word":"that","start":120.17,"end":120.329994,"confidence":0.8618164,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08591394126415253},{"word":"you're","start":120.329994,"end":120.49,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.17920522391796112},{"word":"wanting","start":120.49,"end":120.81,"confidence":0.9980469,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.13972729444503784},{"word":"to","start":120.81,"end":120.97,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15396572649478912},{"word":"sell","start":120.97,"end":121.21,"confidence":0.9980469,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.1726561188697815},{"word":"that","start":121.21,"end":121.45,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10166776925325394},{"word":"property","start":121.45,"end":121.93,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.171999990940094},{"word":"and","start":121.93,"end":122.17,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2709434926509857},{"word":"utilize","start":122.17,"end":122.67,"confidence":0.99902344,"punctuated_word":"utilize","sentiment":"neutral","sentiment_score":-0.1338704228401184},{"word":"the","start":122.81,"end":123.13,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05892026424407959},{"word":"the","start":123.13,"end":123.28999,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05892185866832733},{"word":"growth","start":123.28999,"end":123.78999,"confidence":0.984375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.02315711975097656},{"word":"to","start":123.915,"end":123.995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07226096093654633},{"word":"pay","start":123.995,"end":124.155,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.10911424458026886},{"word":"off","start":124.155,"end":124.315,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.10434131324291228},{"word":"your","start":124.315,"end":124.555,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0540195032954216},{"word":"mortgage","start":124.555,"end":125.035,"confidence":0.9108887,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":-0.05648701265454292},{"word":"is","start":125.035,"end":125.195,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.03395796939730644},{"word":"that","start":125.195,"end":125.435,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0009732842445373536},{"word":"still","start":125.435,"end":125.595,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.06682559847831726},{"word":"what","start":125.595,"end":125.755,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.031171180307865143},{"word":"you're","start":125.755,"end":125.915,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02466067485511303},{"word":"hoping","start":125.915,"end":126.235,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.00368707999587059},{"word":"to","start":126.235,"end":126.315,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01288103312253952},{"word":"do","start":126.315,"end":126.475,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.00929899513721466},{"word":"with","start":126.475,"end":126.635,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01583406701683998},{"word":"your","start":126.635,"end":126.795,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.010604407638311386},{"word":"investment","start":126.795,"end":127.195,"confidence":0.9941406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.02405858039855957},{"word":"property","start":127.195,"end":127.595,"confidence":0.9970703,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.015588197857141496},{"word":"there","start":127.595,"end":128.095,"confidence":0.8769531,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.005353420972824097},{"word":"oh","start":133.435,"end":133.675,"confidence":0.97021484,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.002571442164480686},{"word":"yes","start":133.675,"end":133.91501,"confidence":0.8469238,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.00154192466288805},{"word":"sorry","start":133.91501,"end":134.155,"confidence":0.99853516,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.04530828073620796},{"word":"and","start":134.155,"end":134.315,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.036258455365896225},{"word":"you're","start":134.315,"end":134.555,"confidence":0.9914551,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03560393676161766},{"word":"hoping","start":134.555,"end":134.875,"confidence":0.99902344,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.037008389830589294},{"word":"to","start":134.875,"end":134.955,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.037106841802597046},{"word":"pay","start":134.955,"end":135.115,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.021203605458140373},{"word":"that","start":135.115,"end":135.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01734946481883526},{"word":"down","start":135.275,"end":135.515,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.016778944060206413},{"word":"beforehand","start":135.515,"end":136.015,"confidence":0.7097168,"punctuated_word":"beforehand?","sentiment":"neutral","sentiment_score":-0.042922887951135635},{"word":"before","start":136.45,"end":136.76999,"confidence":0.9970703,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":-0.030941257253289223},{"word":"retirement","start":136.76999,"end":137.26999,"confidence":0.9926758,"punctuated_word":"retirement?","sentiment":"neutral","sentiment_score":-0.023288408294320107},{"word":"yes","start":138.04999,"end":138.45,"confidence":0.727417,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07966182380914688},{"word":"beautiful","start":138.45,"end":138.95,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.28065165877342224},{"word":"can","start":140.93,"end":141.17,"confidence":0.7290039,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.03345075622200966},{"word":"you","start":141.17,"end":141.32999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029079020023345947},{"word":"hear","start":141.32999,"end":141.48999,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.03162393346428871},{"word":"me","start":141.48999,"end":141.65,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.001751672476530075},{"word":"okay","start":141.65,"end":142.12999,"confidence":0.9975586,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.03565921634435654},{"word":"sorry","start":142.12999,"end":142.37,"confidence":0.99316406,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.08870334923267365},{"word":"the","start":142.37,"end":142.53,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.2836114168167114},{"word":"phone's","start":142.53,"end":142.84999,"confidence":0.9562988,"punctuated_word":"phone's","sentiment":"neutral","sentiment_score":-0.3127844035625458},{"word":"a","start":142.84999,"end":142.93,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32683515548706055},{"word":"little","start":142.93,"end":143.17,"confidence":1.0,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.3380528688430786},{"word":"bit","start":143.17,"end":143.67,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.4012092053890228},{"word":"crackly","start":144.29,"end":144.79,"confidence":0.98128253,"punctuated_word":"crackly.","sentiment":"neutral","sentiment_score":-0.2761761546134949},{"word":"yeah","start":146.53,"end":146.84999,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020450981333851814},{"word":"that's","start":146.84999,"end":147.17,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.026205873116850853},{"word":"okay","start":147.17,"end":147.67,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.010871293023228644},{"word":"can","start":149.98499,"end":150.22499,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.032453007996082306},{"word":"you","start":150.22499,"end":150.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.035655051469802856},{"word":"hear","start":150.385,"end":150.545,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.04358096048235893},{"word":"me","start":150.545,"end":150.625,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.05608288198709488},{"word":"better","start":150.625,"end":150.94499,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.052261292934417725},{"word":"now","start":150.94499,"end":151.44499,"confidence":1.0,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.018929149955511093},{"word":"yeah","start":153.185,"end":153.58499,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12060333043336868},{"word":"beautiful","start":153.58499,"end":154.06499,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4391131401062012},{"word":"awesome","start":154.06499,"end":154.545,"confidence":0.96972656,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.4252907931804657},{"word":"let","start":154.545,"end":154.70499,"confidence":1.0,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.1186748817563057},{"word":"me","start":154.70499,"end":154.86499,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09783044457435608},{"word":"know","start":154.86499,"end":155.025,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09661899507045746},{"word":"if","start":155.025,"end":155.105,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08775219321250916},{"word":"it","start":155.105,"end":155.185,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016939736902713776},{"word":"does","start":155.185,"end":155.50499,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.02195306122303009},{"word":"sort","start":155.50499,"end":155.665,"confidence":0.97265625,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.03014768660068512},{"word":"of","start":155.665,"end":155.745,"confidence":0.8769531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05729549378156662},{"word":"break","start":155.745,"end":155.905,"confidence":0.99609375,"punctuated_word":"break","sentiment":"neutral","sentiment_score":-0.03996754437685013},{"word":"up","start":155.905,"end":156.06499,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05473838746547699},{"word":"a","start":156.06499,"end":156.22499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07811564207077026},{"word":"little","start":156.22499,"end":156.385,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06272131204605103},{"word":"bit","start":156.385,"end":156.625,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06878025084733963},{"word":"because","start":156.625,"end":157.025,"confidence":0.7192383,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.035264067351818085},{"word":"i'll","start":157.025,"end":157.265,"confidence":0.98657227,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.006113998591899872},{"word":"just","start":157.265,"end":157.58499,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.003348834812641144},{"word":"keep","start":157.58499,"end":157.825,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.02962324768304825},{"word":"talking","start":157.825,"end":158.14499,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.01612965762615204},{"word":"and","start":158.14499,"end":158.465,"confidence":0.57910156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01483876258134842},{"word":"you","start":158.465,"end":158.70499,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025794848799705505},{"word":"won't","start":158.70499,"end":158.86499,"confidence":0.9848633,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.05438842624425888},{"word":"even","start":158.86499,"end":159.105,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.06074321269989014},{"word":"i","start":159.265,"end":159.34499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07250969111919403},{"word":"won't","start":159.34499,"end":159.58499,"confidence":0.9904785,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.08013322204351425},{"word":"even","start":159.58499,"end":159.825,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.07085081934928894},{"word":"know","start":159.825,"end":160.325,"confidence":0.9995117,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.036129262298345566},{"word":"i","start":160.70499,"end":160.86499,"confidence":0.80371094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005847856402397156},{"word":"only","start":160.86499,"end":161.36499,"confidence":0.8925781,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.04021666571497917},{"word":"noticed","start":161.42499,"end":161.825,"confidence":0.7993164,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":-0.04488819092512131},{"word":"before","start":161.825,"end":162.14499,"confidence":0.8305664,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.08793561160564423},{"word":"because","start":162.14499,"end":162.385,"confidence":0.88427734,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09277594834566116},{"word":"it","start":162.385,"end":162.465,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09868206828832626},{"word":"was","start":162.465,"end":162.625,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1039833202958107},{"word":"sort","start":162.625,"end":162.78499,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.12106066942214966},{"word":"of","start":162.78499,"end":162.94499,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12248708307743073},{"word":"breaking","start":162.94499,"end":163.265,"confidence":0.99902344,"punctuated_word":"breaking","sentiment":"neutral","sentiment_score":-0.1095859631896019},{"word":"into","start":163.265,"end":163.50499,"confidence":0.97509766,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.08207158744335175},{"word":"that","start":163.50499,"end":163.665,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1007775366306305},{"word":"a","start":163.665,"end":163.745,"confidence":0.9135742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13063572347164154},{"word":"little","start":163.745,"end":163.905,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08648337423801422},{"word":"bit","start":163.905,"end":164.19,"confidence":0.9995117,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.06978718191385269},{"word":"so","start":164.67,"end":165.07,"confidence":0.9577637,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.04704590886831283},{"word":"essentially","start":165.07,"end":165.39,"confidence":0.99902344,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.03666798770427704},{"word":"with","start":165.39,"end":165.55,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.013468146324157717},{"word":"this","start":165.55,"end":165.71,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0031655728816986084},{"word":"one","start":165.71,"end":165.87,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.006443843245506287},{"word":"here","start":165.87,"end":166.03,"confidence":0.9970703,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.013465357944369316},{"word":"we","start":166.03,"end":166.27,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.019895434379577637},{"word":"are","start":166.27,"end":166.43001,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03373008966445923},{"word":"looking","start":166.43001,"end":166.75,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.021627888083457947},{"word":"at","start":166.75,"end":167.15001,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.007295437157154083},{"word":"scoping","start":167.15001,"end":167.55,"confidence":0.8881836,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.025312505662441257},{"word":"your","start":167.55,"end":167.71,"confidence":0.73339844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.038731686770915985},{"word":"superannuation","start":167.71,"end":168.21,"confidence":0.9977214,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.011770416982471945},{"word":"and","start":168.35,"end":168.51001,"confidence":0.9135742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010554268956184387},{"word":"just","start":168.51001,"end":168.67,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01625905930995941},{"word":"making","start":168.67,"end":168.99,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.033610016107559204},{"word":"sure","start":168.99,"end":169.15001,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.028032436966896057},{"word":"that","start":169.15001,"end":169.31,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.011106863617897034},{"word":"your","start":169.31,"end":169.47,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08079324662685394},{"word":"super","start":169.47,"end":169.79001,"confidence":0.9892578,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.05924785137176514},{"word":"is","start":169.79001,"end":169.95,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05241338908672333},{"word":"working","start":169.95,"end":170.27,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.046322301030159},{"word":"harder","start":170.27,"end":170.67,"confidence":0.99902344,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.03292208909988403},{"word":"for","start":170.67,"end":170.83,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07050567865371704},{"word":"you","start":170.83,"end":171.07,"confidence":0.98657227,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.04360048472881317},{"word":"so","start":171.07,"end":171.47,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.017602264881134033},{"word":"i","start":171.47,"end":171.63,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03378249704837799},{"word":"did","start":171.63,"end":171.79001,"confidence":0.93115234,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.021145768463611603},{"word":"have","start":171.79001,"end":171.95,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.017021238803863525},{"word":"a","start":171.95,"end":172.03,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004785202443599701},{"word":"look","start":172.03,"end":172.19,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.006911098957061768},{"word":"at","start":172.19,"end":172.27,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02655438333749771},{"word":"your","start":172.27,"end":172.43001,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015658967196941376},{"word":"net","start":172.43001,"end":172.67,"confidence":0.50097656,"punctuated_word":"net","sentiment":"neutral","sentiment_score":-0.011264361441135406},{"word":"wealth","start":172.67,"end":172.99,"confidence":0.8959961,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":-0.013522043824195862},{"word":"super","start":172.99,"end":173.23,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.00229499489068985},{"word":"fund","start":173.23,"end":173.55,"confidence":0.8828125,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.014722898602485657},{"word":"as","start":173.55,"end":173.71,"confidence":0.93603516,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.014865845441818236},{"word":"well","start":173.71,"end":173.87,"confidence":0.9951172,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.022714443504810333},{"word":"as","start":173.87,"end":173.95,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.004440821707248688},{"word":"all","start":173.95,"end":174.11,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.013496525585651398},{"word":"the","start":174.11,"end":174.19,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.002167820930480957},{"word":"other","start":174.19,"end":174.43001,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.026531442999839783},{"word":"ones","start":174.43001,"end":174.67,"confidence":0.99902344,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.00463470071554184},{"word":"out","start":174.67,"end":174.91,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.01645791530609131},{"word":"there","start":174.91,"end":175.41,"confidence":0.82543945,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0011665374040603638},{"word":"having","start":175.55,"end":175.87,"confidence":0.71972656,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":-0.04572562873363495},{"word":"you","start":175.87,"end":176.03,"confidence":0.5048828,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024563685059547424},{"word":"look","start":176.03,"end":176.19,"confidence":0.9892578,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04025036841630936},{"word":"at","start":176.19,"end":176.35,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06070927530527115},{"word":"how","start":176.35,"end":176.51001,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.06465569883584976},{"word":"everything","start":176.51001,"end":176.91,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.060504019260406494},{"word":"has","start":176.91,"end":177.15001,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.0907568484544754},{"word":"been","start":177.15001,"end":177.47,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.10781905055046082},{"word":"performing","start":177.47,"end":177.97,"confidence":0.9980469,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.06641422212123871},{"word":"and","start":178.59,"end":179.09,"confidence":0.60791016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12917807698249817},{"word":"realistically","start":179.94499,"end":180.44499,"confidence":0.99316406,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":-0.14495868980884552},{"word":"moving","start":180.50499,"end":180.905,"confidence":0.86865234,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.11444245278835297},{"word":"out","start":180.905,"end":181.06499,"confidence":0.8378906,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.14660698175430298},{"word":"of","start":181.06499,"end":181.22499,"confidence":0.8833008,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16230721771717072},{"word":"net","start":181.22499,"end":181.305,"confidence":0.9291992,"punctuated_word":"net","sentiment":"neutral","sentiment_score":-0.13303405046463013},{"word":"worth","start":181.305,"end":181.705,"confidence":0.6489258,"punctuated_word":"worth.","sentiment":"neutral","sentiment_score":-0.16514357924461365},{"word":"net","start":181.705,"end":181.94499,"confidence":0.90234375,"punctuated_word":"Net","sentiment":"neutral","sentiment_score":-0.3236314356327057},{"word":"wealth","start":181.94499,"end":182.185,"confidence":0.83740234,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":-0.3195916414260864},{"word":"is","start":182.185,"end":182.345,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.27983880043029785},{"word":"not","start":182.345,"end":182.58499,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2991402745246887},{"word":"preferable","start":182.58499,"end":183.06499,"confidence":0.9980469,"punctuated_word":"preferable","sentiment":"neutral","sentiment_score":-0.2606801986694336},{"word":"as","start":183.06499,"end":183.305,"confidence":0.8457031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.278675377368927},{"word":"of","start":183.305,"end":183.385,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29660356044769287},{"word":"now","start":183.385,"end":183.885,"confidence":0.7504883,"punctuated_word":"now.","sentiment":"negative","sentiment_score":-0.3657374978065491},{"word":"we're","start":184.50499,"end":184.745,"confidence":0.92041016,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.03176534175872803},{"word":"gonna","start":184.745,"end":184.985,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.009430762380361555},{"word":"look","start":184.985,"end":185.14499,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01845935732126236},{"word":"at","start":185.14499,"end":185.305,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.003139808773994446},{"word":"retaining","start":185.305,"end":185.78499,"confidence":0.99609375,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.05713406205177307},{"word":"netwealth","start":185.78499,"end":186.265,"confidence":0.76831055,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.10235424339771272},{"word":"super","start":186.265,"end":186.665,"confidence":0.54833984,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.239445298910141},{"word":"for","start":186.665,"end":186.825,"confidence":0.9614258,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13203050196170807},{"word":"you","start":186.825,"end":187.14499,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11363831907510756},{"word":"it","start":187.14499,"end":187.22499,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4861730933189392},{"word":"is","start":187.22499,"end":187.465,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4450457692146301},{"word":"a","start":187.465,"end":187.545,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4621351957321167},{"word":"great","start":187.545,"end":187.86499,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5245864987373352},{"word":"fund","start":187.86499,"end":188.36499,"confidence":0.78125,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.38642674684524536},{"word":"and","start":188.58499,"end":188.745,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3025955259799957},{"word":"i","start":188.745,"end":188.825,"confidence":0.5571289,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3129503130912781},{"word":"wanna","start":188.825,"end":189.22499,"confidence":0.6821289,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.36847928166389465},{"word":"see","start":189.22499,"end":189.465,"confidence":0.9902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.40637239813804626},{"word":"moving","start":189.465,"end":189.86499,"confidence":0.92333984,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.170365571975708},{"word":"into","start":189.86499,"end":190.36499,"confidence":0.9091797,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.14153124392032623},{"word":"any","start":190.42499,"end":190.665,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.27735576033592224},{"word":"other","start":190.665,"end":190.985,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09621712565422058},{"word":"funds","start":190.985,"end":191.385,"confidence":0.9921875,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.07408121228218079},{"word":"now","start":191.385,"end":191.70499,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.07932665944099426},{"word":"would","start":191.70499,"end":192.025,"confidence":0.98828125,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.038728952407836914},{"word":"increase","start":192.025,"end":192.525,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.14228354394435885},{"word":"the","start":192.58499,"end":192.985,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02240282297134399},{"word":"capital","start":192.985,"end":193.385,"confidence":0.9980469,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.02973620593547821},{"word":"gains","start":193.385,"end":193.78499,"confidence":0.9770508,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.007676646113395691},{"word":"consequences","start":193.78499,"end":194.28499,"confidence":0.9760742,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.1614036113023758},{"word":"for","start":194.58499,"end":194.825,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17458286881446838},{"word":"you","start":194.825,"end":195.24,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.19440005719661713},{"word":"okay","start":195.48001,"end":195.88,"confidence":0.9345703,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0819893628358841},{"word":"so","start":195.88,"end":196.38,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.041078753769397736},{"word":"i'm","start":196.44,"end":196.68001,"confidence":0.98413086,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0777038037776947},{"word":"recommending","start":196.68001,"end":197.16,"confidence":0.99609375,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.12376802414655684},{"word":"you","start":197.16,"end":197.32,"confidence":0.95947266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0597037747502327},{"word":"a","start":197.32,"end":197.40001,"confidence":0.19677734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10022035986185074},{"word":"stay","start":197.40001,"end":197.64,"confidence":0.3154297,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.06186651438474655},{"word":"within","start":197.64,"end":197.96,"confidence":0.9902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.07249036431312561},{"word":"netwealth","start":197.96,"end":198.36,"confidence":0.89282227,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.038010984659194946},{"word":"there","start":198.36,"end":198.44,"confidence":0.9350586,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04423395916819573},{"word":"but","start":198.44,"end":198.6,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.008829683065414429},{"word":"we're","start":198.6,"end":198.76001,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.030656790360808372},{"word":"gonna","start":198.76001,"end":198.92,"confidence":0.98095703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.029344618320465088},{"word":"do","start":198.92,"end":199.04001,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03259950876235962},{"word":"a","start":199.04001,"end":199.16,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03968071937561035},{"word":"bit","start":199.16,"end":199.32,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03665576130151749},{"word":"of","start":199.32,"end":199.40001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01060488075017929},{"word":"an","start":199.40001,"end":199.56,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0454614982008934},{"word":"investment","start":199.56,"end":200.04001,"confidence":0.9560547,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.05917955935001373},{"word":"switch","start":200.04001,"end":200.28,"confidence":0.96435547,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.04185035824775696},{"word":"here","start":200.28,"end":200.6,"confidence":0.99072266,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":-0.01435672864317894},{"word":"so","start":200.6,"end":201.0,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04271339625120163},{"word":"we're","start":201.0,"end":201.24,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0745486244559288},{"word":"gonna","start":201.24,"end":201.56,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.10689160227775574},{"word":"sell","start":201.56,"end":201.8,"confidence":0.9970703,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.15987549722194672},{"word":"off","start":201.8,"end":201.96,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.1293639838695526},{"word":"some","start":201.96,"end":202.12001,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.14924560487270355},{"word":"of","start":202.12001,"end":202.20001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1316494643688202},{"word":"your","start":202.20001,"end":202.52,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0920427143573761},{"word":"investments","start":202.52,"end":203.02,"confidence":0.9941406,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.043613214045763016},{"word":"we're","start":203.72,"end":203.96,"confidence":0.89086914,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.10589687526226044},{"word":"gonna","start":203.96,"end":204.28,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1471797525882721},{"word":"keep","start":204.28,"end":204.78,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11281262338161469},{"word":"essentially","start":205.32,"end":205.82,"confidence":0.96606445,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.10098745673894882},{"word":"just","start":205.88,"end":206.12001,"confidence":0.92578125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13368697464466095},{"word":"to","start":206.12001,"end":206.28,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.142830029129982},{"word":"break","start":206.28,"end":206.52,"confidence":0.9790039,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.20445486903190613},{"word":"this","start":206.52,"end":206.68001,"confidence":0.9741211,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.20602290332317352},{"word":"down","start":206.68001,"end":206.92,"confidence":0.96606445,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.1817664206027985},{"word":"make","start":206.92,"end":207.08,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2899944484233856},{"word":"it","start":207.08,"end":207.24,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3054933547973633},{"word":"nice","start":207.24,"end":207.48001,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.4696464240550995},{"word":"and","start":207.48001,"end":207.64,"confidence":0.9902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4106310307979584},{"word":"easy","start":207.64,"end":207.88,"confidence":1.0,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.4443204998970032},{"word":"for","start":207.88,"end":207.96,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.40364140272140503},{"word":"you","start":207.96,"end":208.12001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29933878779411316},{"word":"because","start":208.12001,"end":208.36,"confidence":0.734375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.22469031810760495},{"word":"we","start":208.36,"end":208.44,"confidence":0.62402344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21808026731014252},{"word":"don't","start":208.44,"end":208.68001,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.13819625973701477},{"word":"wanna","start":208.68001,"end":208.92,"confidence":0.9370117,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1344222128391266},{"word":"make","start":208.92,"end":209.08,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05417092889547348},{"word":"it","start":209.08,"end":209.24,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08378854393959045},{"word":"too","start":209.24,"end":209.40001,"confidence":0.98095703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.05390807241201401},{"word":"overcomplicated","start":209.40001,"end":209.90001,"confidence":0.85424805,"punctuated_word":"overcomplicated,","sentiment":"neutral","sentiment_score":0.04359115287661552},{"word":"but","start":210.28,"end":210.645,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03279658406972885},{"word":"the","start":210.80501,"end":210.96501,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0713743045926094},{"word":"bennelong","start":210.96501,"end":211.46501,"confidence":0.70666504,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.0912702977657318},{"word":"australian","start":211.52501,"end":211.845,"confidence":0.6152344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.034305885434150696},{"word":"equities","start":211.845,"end":212.325,"confidence":0.7915039,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":-0.11980579793453217},{"word":"has","start":212.325,"end":212.405,"confidence":0.95703125,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.19760780036449432},{"word":"been","start":212.405,"end":212.645,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.26024436950683594},{"word":"underperforming","start":212.645,"end":213.145,"confidence":0.9012044,"punctuated_word":"underperforming,","sentiment":"neutral","sentiment_score":-0.22300240397453308},{"word":"so","start":213.445,"end":213.60501,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12630605697631836},{"word":"we're","start":213.60501,"end":213.845,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.1213219091296196},{"word":"removing","start":213.845,"end":214.24501,"confidence":1.0,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.09815460443496704},{"word":"all","start":214.24501,"end":214.405,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1361096203327179},{"word":"of","start":214.405,"end":214.565,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14423152804374695},{"word":"that","start":214.565,"end":214.725,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2334185540676117},{"word":"from","start":214.725,"end":214.88501,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.15468856692314148},{"word":"your","start":214.88501,"end":215.125,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07787026464939117},{"word":"portfolio","start":215.125,"end":215.625,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.2043158113956451},{"word":"and","start":216.005,"end":216.16501,"confidence":0.62158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.050167493522167206},{"word":"then","start":216.16501,"end":216.325,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.023334570229053497},{"word":"just","start":216.325,"end":216.565,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04355937987565994},{"word":"doing","start":216.565,"end":216.80501,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.08462148904800415},{"word":"a","start":216.80501,"end":216.88501,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06310489773750305},{"word":"bit","start":216.88501,"end":217.045,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07764510065317154},{"word":"of","start":217.045,"end":217.205,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1035199835896492},{"word":"a","start":217.205,"end":217.285,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07386645674705505},{"word":"quick","start":217.285,"end":217.60501,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.06049299985170365},{"word":"rebalance","start":217.60501,"end":218.10501,"confidence":0.99332684,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.012812711298465729},{"word":"there","start":218.24501,"end":218.565,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04898902773857117},{"word":"for","start":218.565,"end":218.725,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11839912831783296},{"word":"you","start":218.725,"end":219.225,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04474447667598725},{"word":"because","start":219.845,"end":220.24501,"confidence":0.60302734,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.07770645618438721},{"word":"bennelong","start":220.24501,"end":220.725,"confidence":0.9970703,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.07380957901477814},{"word":"has","start":220.725,"end":220.80501,"confidence":0.5229492,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.057891495525836945},{"word":"been","start":220.80501,"end":221.045,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0364086776971817},{"word":"underperforming","start":221.045,"end":221.545,"confidence":0.9977214,"punctuated_word":"underperforming,","sentiment":"neutral","sentiment_score":0.02136290073394775},{"word":"we're","start":221.765,"end":221.925,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.038162440061569214},{"word":"gonna","start":221.925,"end":222.325,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.031378891319036484},{"word":"replace","start":222.325,"end":222.725,"confidence":0.99609375,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.07495979964733124},{"word":"that","start":222.725,"end":222.88501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02740098536014557},{"word":"with","start":222.88501,"end":223.045,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07562344521284103},{"word":"the","start":223.045,"end":223.205,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10060720145702362},{"word":"betashares","start":223.205,"end":223.705,"confidence":0.7866211,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.10636107623577118},{"word":"a","start":224.085,"end":224.24501,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1245935782790184},{"word":"200","start":224.24501,"end":224.965,"confidence":0.87023926,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.11385757476091383},{"word":"that's","start":224.965,"end":225.285,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.28252092003822327},{"word":"essentially","start":225.285,"end":225.765,"confidence":0.9921875,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2770802080631256},{"word":"increasing","start":225.765,"end":226.24501,"confidence":0.99316406,"punctuated_word":"increasing","sentiment":"positive","sentiment_score":0.3571155369281769},{"word":"your","start":226.24501,"end":226.62,"confidence":0.97998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.33030053973197937},{"word":"exposure","start":226.78,"end":227.09999,"confidence":0.9921875,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.3011925518512726},{"word":"into","start":227.09999,"end":227.59999,"confidence":0.85058594,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.30325812101364136},{"word":"the","start":228.14,"end":228.29999,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25720879435539246},{"word":"australian","start":228.29999,"end":228.79999,"confidence":0.80126953,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.21735739707946777},{"word":"equities","start":229.09999,"end":229.59999,"confidence":0.95581055,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.29680728912353516},{"word":"and","start":229.81999,"end":230.31999,"confidence":0.88134766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2564113736152649},{"word":"having","start":230.62,"end":231.01999,"confidence":0.9902344,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.360522598028183},{"word":"you","start":231.01999,"end":231.42,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3436768352985382},{"word":"as","start":231.42,"end":231.5,"confidence":0.5385742,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.368634432554245},{"word":"greater","start":231.5,"end":231.98,"confidence":0.6894531,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.33089783787727356},{"word":"providing","start":232.29999,"end":232.78,"confidence":1.0,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.32464534044265747},{"word":"greater","start":232.78,"end":233.09999,"confidence":0.9951172,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.3156712055206299},{"word":"diversification","start":233.09999,"end":233.59999,"confidence":0.99576825,"punctuated_word":"diversification.","sentiment":"positive","sentiment_score":0.33955997228622437},{"word":"so","start":234.06,"end":234.29999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21370838582515717},{"word":"instead","start":234.29999,"end":234.62,"confidence":0.99902344,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.2334654331207275},{"word":"of","start":234.62,"end":234.7,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1786525994539261},{"word":"having","start":234.7,"end":235.09999,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.18174469470977783},{"word":"exposure","start":235.09999,"end":235.58,"confidence":0.9819336,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.11642859876155852},{"word":"to","start":235.58,"end":235.73999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27679938077926636},{"word":"15","start":235.73999,"end":236.14,"confidence":0.9980469,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.21724234521389008},{"word":"to","start":236.14,"end":236.29999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1776912361383438},{"word":"25","start":236.29999,"end":236.78,"confidence":1.0,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.1225060448050499},{"word":"different","start":236.78,"end":237.18,"confidence":0.9941406,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.08619456738233566},{"word":"australian","start":237.18,"end":237.58,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.10695943981409071},{"word":"equities","start":237.58,"end":238.08,"confidence":0.9983724,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":0.18090152740478516},{"word":"you're","start":238.22,"end":238.37999,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.33165058493614197},{"word":"gonna","start":238.37999,"end":238.7,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3569726347923279},{"word":"have","start":238.7,"end":238.86,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3692772388458252},{"word":"exposure","start":238.86,"end":239.34,"confidence":0.9921875,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.23714394867420197},{"word":"to","start":239.34,"end":239.5,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3244899809360504},{"word":"over","start":239.5,"end":239.805,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3861033320426941},{"word":"200","start":239.805,"end":240.525,"confidence":0.98291016,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.2575637400150299},{"word":"so","start":240.525,"end":240.92499,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.42724278569221497},{"word":"it","start":240.92499,"end":241.08499,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4741609394550323},{"word":"helps","start":241.08499,"end":241.325,"confidence":1.0,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.4944247007369995},{"word":"to","start":241.325,"end":241.48499,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4839497208595276},{"word":"lower","start":241.48499,"end":241.72499,"confidence":1.0,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.4993312656879425},{"word":"the","start":241.72499,"end":241.805,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5418878197669983},{"word":"risk","start":241.805,"end":242.045,"confidence":1.0,"punctuated_word":"risk","sentiment":"positive","sentiment_score":0.39729395508766174},{"word":"of","start":242.045,"end":242.20499,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5154675245285034},{"word":"your","start":242.20499,"end":242.44499,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.49623310565948486},{"word":"portfolio","start":242.44499,"end":242.94499,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.29521429538726807},{"word":"and","start":243.08499,"end":243.245,"confidence":0.99121094,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4765397310256958},{"word":"gives","start":243.245,"end":243.48499,"confidence":0.97802734,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.5179598331451416},{"word":"you","start":243.48499,"end":243.64499,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4517006576061249},{"word":"greater","start":243.64499,"end":244.045,"confidence":0.97314453,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.418777197599411},{"word":"diversification","start":244.045,"end":244.545,"confidence":0.82682294,"punctuated_word":"diversification.","sentiment":"positive","sentiment_score":0.42089205980300903},{"word":"and","start":245.325,"end":245.56499,"confidence":0.9980469,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4342582821846008},{"word":"the","start":245.56499,"end":245.72499,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5754114389419556},{"word":"australian","start":245.72499,"end":246.125,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.5527183413505554},{"word":"two","start":246.125,"end":246.28499,"confidence":0.99902344,"punctuated_word":"two","sentiment":"positive","sentiment_score":0.49529704451560974},{"word":"100","start":246.28499,"end":246.605,"confidence":1.0,"punctuated_word":"100","sentiment":"positive","sentiment_score":0.5748835206031799},{"word":"is","start":246.605,"end":246.84499,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5706998109817505},{"word":"a","start":246.84499,"end":246.92499,"confidence":0.9770508,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5894458889961243},{"word":"cheaper","start":246.92499,"end":247.325,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.5936984419822693},{"word":"investment","start":247.325,"end":247.825,"confidence":1.0,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3792724609375},{"word":"as","start":247.965,"end":248.125,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6116994023323059},{"word":"well","start":248.125,"end":248.36499,"confidence":0.8618164,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.6043304800987244},{"word":"so","start":248.36499,"end":248.525,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5663703680038452},{"word":"it","start":248.525,"end":248.685,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6018891334533691},{"word":"helps","start":248.685,"end":249.00499,"confidence":0.9980469,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.549125611782074},{"word":"to","start":249.00499,"end":249.08499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5397123098373413},{"word":"lower","start":249.08499,"end":249.405,"confidence":1.0,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.4805261194705963},{"word":"your","start":249.405,"end":249.64499,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4251411855220794},{"word":"fees","start":249.64499,"end":249.885,"confidence":0.984375,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4826643764972687},{"word":"within","start":249.885,"end":250.125,"confidence":0.99609375,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.41509705781936646},{"word":"the","start":250.125,"end":250.36499,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4212774634361267},{"word":"super","start":250.36499,"end":250.765,"confidence":0.80908203,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4711454212665558},{"word":"fund","start":250.765,"end":251.265,"confidence":0.76538086,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.3001469075679779},{"word":"okay","start":251.405,"end":251.905,"confidence":0.9411621,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.21765559911727905},{"word":"within","start":254.09,"end":254.41,"confidence":0.90478516,"punctuated_word":"Within","sentiment":"neutral","sentiment_score":0.1544238179922104},{"word":"that","start":254.41,"end":254.73,"confidence":0.9592285,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.12802264094352722},{"word":"just","start":254.73,"end":254.97,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14261631667613983},{"word":"rebalancing","start":254.97,"end":255.47,"confidence":0.99365234,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.13177932798862457},{"word":"a","start":255.61,"end":255.69,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16194427013397217},{"word":"couple","start":255.69,"end":256.01,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.14683085680007937},{"word":"of","start":256.01,"end":256.09,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1663571298122406},{"word":"the","start":256.09,"end":256.17,"confidence":0.90478516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17668397724628448},{"word":"other","start":256.17,"end":256.49,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.13608591258525848},{"word":"investments","start":256.49,"end":256.99,"confidence":0.96240234,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.09279507398605348},{"word":"so","start":257.13,"end":257.29,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15434105694293976},{"word":"you've","start":257.29,"end":257.61002,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.17213015258312225},{"word":"got","start":257.61002,"end":257.85,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1762012392282486},{"word":"some","start":257.85,"end":258.01,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.13858184218406677},{"word":"bank","start":258.01,"end":258.33002,"confidence":0.97509766,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.09769920259714128},{"word":"hybrids","start":258.33002,"end":258.73,"confidence":0.9453125,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":0.11867424845695496},{"word":"there","start":258.73,"end":258.97,"confidence":0.7495117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.12512466311454773},{"word":"we're","start":258.97,"end":259.13,"confidence":0.9975586,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.17436084151268005},{"word":"retaining","start":259.13,"end":259.61002,"confidence":0.9970703,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.20078301429748535},{"word":"and","start":259.61002,"end":259.85,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20556488633155823},{"word":"buying","start":259.85,"end":260.09,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.1791151463985443},{"word":"a","start":260.09,"end":260.25,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2191472053527832},{"word":"few","start":260.25,"end":260.49,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.23007580637931824},{"word":"more","start":260.49,"end":260.73,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16945591568946838},{"word":"in","start":260.73,"end":260.89,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17731556296348572},{"word":"there","start":260.89,"end":261.05,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20608049631118777},{"word":"just","start":261.05,"end":261.29,"confidence":0.9716797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2375459223985672},{"word":"to","start":261.29,"end":261.45,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2292005717754364},{"word":"bring","start":261.45,"end":261.61002,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.25044718384742737},{"word":"your","start":261.61002,"end":261.85,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26336780190467834},{"word":"level","start":261.85,"end":262.09,"confidence":0.99902344,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.22953030467033383},{"word":"back","start":262.09,"end":262.41,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3029528260231018},{"word":"up","start":262.41,"end":262.49,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2739304006099701},{"word":"to","start":262.49,"end":262.65,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3164003789424896},{"word":"12%","start":262.65,"end":263.29,"confidence":0.9995117,"punctuated_word":"12%","sentiment":"positive","sentiment_score":0.3608528971672058},{"word":"because","start":263.29,"end":263.53,"confidence":0.88671875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18261153995990753},{"word":"you","start":263.53,"end":263.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17243725061416626},{"word":"are","start":263.69,"end":263.77,"confidence":0.95410156,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20595437288284305},{"word":"in","start":263.77,"end":263.93,"confidence":0.8613281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2003020942211151},{"word":"that","start":263.93,"end":264.09,"confidence":0.9165039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15140436589717865},{"word":"growth","start":264.09,"end":264.465,"confidence":0.7573242,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.15455956757068634},{"word":"exposure","start":264.785,"end":265.285,"confidence":0.9875488,"punctuated_word":"exposure.","sentiment":"neutral","sentiment_score":0.1216866970062256},{"word":"we","start":265.425,"end":265.665,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1889818012714386},{"word":"wanna","start":265.665,"end":265.82498,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.25403153896331787},{"word":"make","start":265.82498,"end":265.985,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17397768795490265},{"word":"sure","start":265.985,"end":266.145,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.21090099215507507},{"word":"you've","start":266.145,"end":266.385,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2201703041791916},{"word":"got","start":266.385,"end":266.54498,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.21585120260715485},{"word":"some","start":266.54498,"end":266.785,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2075997292995453},{"word":"defensive","start":266.785,"end":267.285,"confidence":0.9941406,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.20442473888397217},{"word":"assets","start":267.345,"end":267.745,"confidence":0.984375,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.17802709341049194},{"word":"and","start":267.745,"end":267.985,"confidence":0.66796875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25586679577827454},{"word":"lower","start":267.985,"end":268.305,"confidence":0.9970703,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2020072340965271},{"word":"risk","start":268.305,"end":268.705,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.07360382378101349},{"word":"investments","start":268.705,"end":269.205,"confidence":0.92749023,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.15628516674041748},{"word":"we're","start":269.82498,"end":270.065,"confidence":0.83569336,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.19571030139923096},{"word":"gonna","start":270.065,"end":270.385,"confidence":0.9873047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.23183900117874143},{"word":"rebalance","start":270.385,"end":270.885,"confidence":0.99641925,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.16310188174247742},{"word":"and","start":270.945,"end":271.185,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17925213277339935},{"word":"buy","start":271.185,"end":271.425,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.17166028916835785},{"word":"into","start":271.425,"end":271.745,"confidence":0.9277344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.21186712384223935},{"word":"the","start":271.745,"end":271.905,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19066926836967468},{"word":"beta","start":271.905,"end":272.225,"confidence":0.58203125,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.12614178657531738},{"word":"shares","start":272.225,"end":272.54498,"confidence":0.9267578,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.14241425693035126},{"word":"rapid","start":272.54498,"end":272.865,"confidence":0.2421875,"punctuated_word":"rapid","sentiment":"neutral","sentiment_score":0.2036995440721512},{"word":"200","start":272.865,"end":273.425,"confidence":0.99902344,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.2194424569606781},{"word":"as","start":273.425,"end":273.585,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1856992393732071},{"word":"well","start":273.585,"end":273.745,"confidence":0.7373047,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.19678793847560885},{"word":"just","start":273.745,"end":273.985,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2048138678073883},{"word":"making","start":273.985,"end":274.225,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.18922430276870728},{"word":"sure","start":274.225,"end":274.385,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.15610672533512115},{"word":"you've","start":274.385,"end":274.625,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.14863738417625427},{"word":"got","start":274.625,"end":274.785,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14598655700683594},{"word":"some","start":274.785,"end":275.025,"confidence":0.40820312,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08481465280056},{"word":"exposure","start":275.025,"end":275.345,"confidence":0.9790039,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.05813215672969818},{"word":"to","start":275.345,"end":275.585,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10016047954559326},{"word":"mid","start":275.585,"end":275.745,"confidence":0.9091797,"punctuated_word":"mid","sentiment":"neutral","sentiment_score":0.07279261201620102},{"word":"cap","start":275.745,"end":276.065,"confidence":0.90283203,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":0.09276538342237473},{"word":"stocks","start":276.065,"end":276.385,"confidence":0.9873047,"punctuated_word":"stocks","sentiment":"neutral","sentiment_score":0.07425271719694138},{"word":"there","start":276.385,"end":276.885,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08974961936473846},{"word":"we've","start":277.06,"end":277.3,"confidence":0.99609375,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.07448463141918182},{"word":"got","start":277.3,"end":277.38,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07780711352825165},{"word":"some","start":277.38,"end":277.86,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05413505807518959},{"word":"cybersecurity","start":277.86,"end":278.36,"confidence":0.48486328,"punctuated_word":"cybersecurity.","sentiment":"neutral","sentiment_score":0.05227045714855194},{"word":"so","start":278.74,"end":278.9,"confidence":0.81347656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08529654145240784},{"word":"the","start":278.9,"end":279.06,"confidence":0.46240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09828441590070724},{"word":"s","start":279.06,"end":279.22,"confidence":0.8203125,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.08033942431211472},{"word":"and","start":279.22,"end":279.3,"confidence":0.9658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0696907490491867},{"word":"p","start":279.3,"end":279.54,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.05840394273400307},{"word":"500","start":279.54,"end":280.36,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.11464260518550871},{"word":"and","start":280.5,"end":281.0,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0930425375699997},{"word":"the","start":281.54,"end":281.62,"confidence":0.7871094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10082867741584778},{"word":"ishares","start":281.62,"end":282.12,"confidence":0.8076172,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.10037371516227722},{"word":"deal","start":282.18,"end":282.5,"confidence":0.24377441,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.11338838934898376},{"word":"plus","start":282.5,"end":282.9,"confidence":0.75146484,"punctuated_word":"plus,","sentiment":"neutral","sentiment_score":0.1014976128935814},{"word":"so","start":282.9,"end":283.06,"confidence":0.7739258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.131458580493927},{"word":"just","start":283.06,"end":283.3,"confidence":0.9707031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13672953844070437},{"word":"buying","start":283.3,"end":283.54,"confidence":0.9892578,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.08754303306341171},{"word":"a","start":283.54,"end":283.69998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11485093832015993},{"word":"bit","start":283.69998,"end":283.86,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09167829900979996},{"word":"more","start":283.86,"end":284.02,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08989004790782928},{"word":"into","start":284.02,"end":284.25998,"confidence":0.9707031,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1324564814567566},{"word":"that","start":284.25998,"end":284.41998,"confidence":0.9116211,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11900824308395386},{"word":"to","start":284.41998,"end":284.58,"confidence":0.38476562,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11800777167081831},{"word":"rebalance","start":284.58,"end":285.08,"confidence":0.91552734,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.1063758134841919},{"word":"you","start":285.13998,"end":285.38,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1253226101398468},{"word":"a","start":285.38,"end":285.46,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11833738535642624},{"word":"little","start":285.46,"end":285.62,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08441299945116043},{"word":"bit","start":285.62,"end":286.12,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09121514856815338},{"word":"and","start":286.82,"end":287.13998,"confidence":0.68603516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05489727109670639},{"word":"selling","start":287.13998,"end":287.53998,"confidence":0.9980469,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.08522772043943405},{"word":"off","start":287.53998,"end":287.78,"confidence":0.9892578,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.017337292432785034},{"word":"some","start":287.78,"end":288.28,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.018316999077796936},{"word":"global","start":288.66,"end":289.16,"confidence":0.9941406,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.015488795936107635},{"word":"infrastructure","start":289.3,"end":289.8,"confidence":1.0,"punctuated_word":"infrastructure","sentiment":"neutral","sentiment_score":0.08708390593528748},{"word":"there","start":289.94,"end":290.18,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0722234770655632},{"word":"as","start":290.18,"end":290.34,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07903096079826355},{"word":"well","start":290.34,"end":290.58,"confidence":0.88623047,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06056070327758789},{"word":"and","start":290.58,"end":290.865,"confidence":0.9658203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03060752898454666},{"word":"physical","start":291.025,"end":291.425,"confidence":0.9741211,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":-0.00007586926221847534},{"word":"gold","start":291.425,"end":291.745,"confidence":0.96533203,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.02373947948217392},{"word":"has","start":291.745,"end":291.82498,"confidence":0.8378906,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.001258641481399536},{"word":"done","start":291.82498,"end":292.065,"confidence":0.9970703,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.05486452579498291},{"word":"really","start":292.065,"end":292.22498,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.07296605408191681},{"word":"well","start":292.22498,"end":292.38498,"confidence":0.9794922,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.06913590431213379},{"word":"but","start":292.38498,"end":292.54498,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0303896963596344},{"word":"you're","start":292.54498,"end":292.705,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05667551979422569},{"word":"a","start":292.705,"end":292.785,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05039907619357109},{"word":"bit","start":292.785,"end":293.025,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09550848603248596},{"word":"overexposed","start":293.025,"end":293.525,"confidence":0.9609375,"punctuated_word":"overexposed","sentiment":"neutral","sentiment_score":-0.08288276940584183},{"word":"there","start":293.745,"end":293.905,"confidence":0.87646484,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.07909975945949554},{"word":"so","start":293.905,"end":294.145,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04023665189743042},{"word":"we're","start":294.145,"end":294.305,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06919659674167633},{"word":"just","start":294.305,"end":294.465,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11490825563669203},{"word":"gonna","start":294.465,"end":294.705,"confidence":0.9873047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17769603431224823},{"word":"bring","start":294.705,"end":294.94498,"confidence":0.99902344,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.1554926335811615},{"word":"that","start":294.94498,"end":295.10498,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06079372763633728},{"word":"back","start":295.10498,"end":295.425,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0784284770488739},{"word":"down","start":295.425,"end":295.66498,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.10117395967245102},{"word":"to","start":295.66498,"end":295.82498,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08073324710130692},{"word":"8%","start":295.82498,"end":296.565,"confidence":0.9473877,"punctuated_word":"8%.","sentiment":"neutral","sentiment_score":0.1182532161474228},{"word":"so","start":296.625,"end":297.10498,"confidence":0.80810547,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.12620142102241516},{"word":"essentially","start":297.10498,"end":297.60498,"confidence":0.9980469,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.13587749004364014},{"word":"rebalancing","start":297.66498,"end":298.16498,"confidence":0.9951172,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.14219939708709717},{"word":"your","start":298.305,"end":298.54498,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1445131003856659},{"word":"portfolio","start":298.54498,"end":299.04498,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.043763160705566406},{"word":"just","start":299.185,"end":299.425,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24538035690784457},{"word":"to","start":299.425,"end":299.505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21825948357582092},{"word":"make","start":299.505,"end":299.66498,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.20560571551322937},{"word":"sure","start":299.66498,"end":299.905,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.23211465775966644},{"word":"that","start":299.905,"end":300.145,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17426887154579165},{"word":"you","start":300.145,"end":300.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14681307971477509},{"word":"stay","start":300.305,"end":300.625,"confidence":0.99609375,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.18822616338729856},{"word":"in","start":300.625,"end":300.865,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15693649649620056},{"word":"line","start":300.865,"end":301.10498,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.2161719650030136},{"word":"with","start":301.10498,"end":301.26498,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20487242937088013},{"word":"your","start":301.26498,"end":301.585,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18142130970954895},{"word":"growth","start":301.585,"end":301.905,"confidence":0.7626953,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.11691350489854813},{"word":"risk","start":301.905,"end":302.22498,"confidence":0.97314453,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.07925588637590408},{"word":"profile","start":302.22498,"end":302.72498,"confidence":0.9794922,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.07880261540412903},{"word":"does","start":302.785,"end":302.94498,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.1330641508102417},{"word":"that","start":302.94498,"end":303.10498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1419478803873062},{"word":"make","start":303.10498,"end":303.345,"confidence":0.99316406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0930774137377739},{"word":"sense","start":303.345,"end":303.81,"confidence":0.9995117,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.08784426748752594},{"word":"yeah","start":305.65,"end":305.97,"confidence":0.9790039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2992114722728729},{"word":"beautiful","start":305.97,"end":306.47,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4574614763259888},{"word":"now","start":307.01,"end":307.51,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2588227391242981},{"word":"because","start":307.57,"end":307.88998,"confidence":0.9326172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2140398770570755},{"word":"you","start":307.88998,"end":308.05,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22696799039840695},{"word":"are","start":308.05,"end":308.21,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23215234279632568},{"word":"in","start":308.21,"end":308.29,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2491679340600967},{"word":"that","start":308.29,"end":308.53,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2440484464168549},{"word":"kind","start":308.53,"end":308.69,"confidence":0.7138672,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13009154796600342},{"word":"of","start":308.69,"end":308.85,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14970113337039948},{"word":"growth","start":308.85,"end":309.09,"confidence":0.9902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.15897496044635773},{"word":"area","start":309.09,"end":309.41,"confidence":0.9980469,"punctuated_word":"area,","sentiment":"neutral","sentiment_score":0.21305233240127563},{"word":"we're","start":309.41,"end":309.73,"confidence":0.97436523,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2320342063903809},{"word":"actually","start":309.73,"end":310.13,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.21590450406074524},{"word":"sort","start":310.13,"end":310.37,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.19843411445617676},{"word":"of","start":310.37,"end":310.53,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2420058399438858},{"word":"making","start":310.53,"end":310.85,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.17375363409519196},{"word":"sure","start":310.85,"end":311.01,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.19854269921779633},{"word":"your","start":311.01,"end":311.51,"confidence":0.93408203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22185511887073517},{"word":"your","start":311.88998,"end":312.21,"confidence":0.98291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1778510808944702},{"word":"balance","start":312.21,"end":312.61,"confidence":0.96875,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.12803809344768524},{"word":"growth","start":312.61,"end":313.09,"confidence":0.6949463,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.19914592802524567},{"word":"sorry","start":313.09,"end":313.57,"confidence":0.9511719,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.11787158250808716},{"word":"is","start":313.57,"end":313.73,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1367519497871399},{"word":"more","start":313.73,"end":313.97,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.137251079082489},{"word":"around","start":313.97,"end":314.21,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1719899624586105},{"word":"that","start":314.21,"end":314.45,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15326686203479767},{"word":"sort","start":314.45,"end":314.69,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09702770411968233},{"word":"of","start":314.69,"end":314.85,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12874406576156616},{"word":"seventy","start":314.85,"end":315.25,"confidence":0.9941406,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":0.14599302411079407},{"word":"thirty","start":315.25,"end":315.65,"confidence":0.89453125,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.10699187219142914},{"word":"split","start":315.65,"end":316.005,"confidence":0.8647461,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.1521506309509277},{"word":"and","start":316.085,"end":316.245,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20222412049770355},{"word":"making","start":316.245,"end":316.48502,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.22008535265922544},{"word":"sure","start":316.48502,"end":316.725,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2122597098350525},{"word":"we","start":316.725,"end":316.965,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19995659589767456},{"word":"have","start":316.965,"end":317.20502,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1817558854818344},{"word":"that","start":317.20502,"end":317.365,"confidence":0.9589844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1905643492937088},{"word":"is","start":317.365,"end":317.605,"confidence":0.8232422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1356871873140335},{"word":"keeping","start":317.605,"end":317.845,"confidence":0.95166016,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.17209278047084808},{"word":"it","start":317.845,"end":318.005,"confidence":0.7722168,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05453931167721749},{"word":"so","start":318.005,"end":318.165,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26223835349082947},{"word":"you've","start":318.165,"end":318.405,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.3097890317440033},{"word":"got","start":318.405,"end":318.565,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3318023979663849},{"word":"about","start":318.565,"end":318.725,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2675943076610565},{"word":"70%","start":318.725,"end":319.525,"confidence":0.9975586,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.33109280467033386},{"word":"growth","start":319.525,"end":319.845,"confidence":0.9873047,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.30901917815208435},{"word":"assets","start":319.845,"end":320.245,"confidence":0.9770508,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.2881419360637665},{"word":"wanting","start":320.245,"end":320.565,"confidence":0.8286133,"punctuated_word":"wanting","sentiment":"positive","sentiment_score":0.34760814905166626},{"word":"to","start":320.565,"end":320.64502,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32618072628974915},{"word":"make","start":320.64502,"end":320.805,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3737088143825531},{"word":"sure","start":320.805,"end":320.965,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.34740692377090454},{"word":"you're","start":320.965,"end":321.125,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4296070039272308},{"word":"getting","start":321.125,"end":321.625,"confidence":1.0,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.47909075021743774},{"word":"good","start":322.085,"end":322.405,"confidence":0.7573242,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5058870911598206},{"word":"growth","start":322.405,"end":322.805,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5665698647499084},{"word":"and","start":322.805,"end":323.305,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5362774133682251},{"word":"returns","start":323.525,"end":323.92502,"confidence":0.9941406,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.5619519352912903},{"word":"out","start":323.92502,"end":324.085,"confidence":0.9980469,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5124420523643494},{"word":"of","start":324.085,"end":324.165,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.42286235094070435},{"word":"your","start":324.165,"end":324.48502,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35533082485198975},{"word":"portfolio","start":324.48502,"end":324.98502,"confidence":0.9436035,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.30520856380462646},{"word":"but","start":325.045,"end":325.20502,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.252891480922699},{"word":"then","start":325.20502,"end":325.445,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1646917462348938},{"word":"30%","start":325.445,"end":326.005,"confidence":0.9951172,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.2663241922855377},{"word":"in","start":326.005,"end":326.165,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3098829686641693},{"word":"those","start":326.165,"end":326.405,"confidence":0.98535156,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.31572744250297546},{"word":"defensive","start":326.405,"end":326.885,"confidence":0.97509766,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.19002820551395416},{"word":"assets","start":326.885,"end":327.285,"confidence":0.99609375,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.17351189255714417},{"word":"and","start":327.285,"end":327.445,"confidence":0.88720703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2269999384880066},{"word":"making","start":327.445,"end":327.765,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.28189677000045776},{"word":"sure","start":327.765,"end":328.005,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3355381190776825},{"word":"that","start":328.005,"end":328.165,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31375887989997864},{"word":"you","start":328.165,"end":328.325,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35657522082328796},{"word":"are","start":328.325,"end":328.71,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3097919225692749},{"word":"also","start":328.94998,"end":329.35,"confidence":1.0,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.34600546956062317},{"word":"protecting","start":329.35,"end":329.85,"confidence":0.9819336,"punctuated_word":"protecting","sentiment":"neutral","sentiment_score":0.27340075373649597},{"word":"your","start":329.91,"end":330.06998,"confidence":0.99121094,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.33476582169532776},{"word":"capital","start":330.06998,"end":330.47,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.30622512102127075},{"word":"and","start":330.47,"end":330.78998,"confidence":0.99121094,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.33367204666137695},{"word":"you","start":330.78998,"end":330.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31303873658180237},{"word":"know","start":330.87,"end":331.19,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.35002654790878296},{"word":"having","start":331.19,"end":331.43,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.35020047426223755},{"word":"some","start":331.43,"end":331.66998,"confidence":0.9980469,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.34525150060653687},{"word":"of","start":331.66998,"end":331.75,"confidence":0.96875,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.44333916902542114},{"word":"those","start":331.75,"end":331.91,"confidence":0.9970703,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.48968830704689026},{"word":"low","start":331.91,"end":332.15,"confidence":0.59521484,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.23783494532108307},{"word":"risk","start":332.15,"end":332.47,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.09889550507068634},{"word":"investments","start":332.47,"end":332.97,"confidence":0.97314453,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.2438163161277771},{"word":"as","start":333.03,"end":333.19,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3563089370727539},{"word":"well","start":333.19,"end":333.50998,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3187680244445801},{"word":"does","start":333.50998,"end":333.66998,"confidence":0.9941406,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.16726282238960266},{"word":"that","start":333.66998,"end":333.83,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31100696325302124},{"word":"make","start":333.83,"end":334.06998,"confidence":0.97802734,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2958652675151825},{"word":"sense","start":334.06998,"end":334.31,"confidence":0.9650879,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.27462267875671387},{"word":"does","start":334.31,"end":334.47,"confidence":0.9194336,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.19082285463809967},{"word":"that","start":334.47,"end":334.63,"confidence":0.87890625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3280843198299408},{"word":"still","start":334.63,"end":334.87,"confidence":0.99316406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21285508573055267},{"word":"feel","start":334.87,"end":335.03,"confidence":0.9863281,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.3037339746952057},{"word":"fairly","start":335.03,"end":335.27,"confidence":0.9667969,"punctuated_word":"fairly","sentiment":"positive","sentiment_score":0.35385018587112427},{"word":"comfortable","start":335.27,"end":335.77,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.25057947635650635},{"word":"for","start":335.83,"end":335.99,"confidence":0.7397461,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2623712718486786},{"word":"where","start":335.99,"end":336.15,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.22729149460792544},{"word":"you're","start":336.15,"end":336.31,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.27995744347572327},{"word":"at","start":336.31,"end":336.81,"confidence":0.9995117,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":0.20669712126255035},{"word":"yep","start":338.31,"end":338.71,"confidence":0.88964844,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3404960334300995},{"word":"beautiful","start":338.71,"end":339.21,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6457353830337524},{"word":"now","start":339.75,"end":340.06998,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.358297735452652},{"word":"having","start":340.06998,"end":340.38998,"confidence":0.98535156,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.19716376066207889},{"word":"a","start":340.38998,"end":340.47,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18057572841644287},{"word":"look","start":340.47,"end":340.71,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10200248658657074},{"word":"because","start":340.71,"end":341.03,"confidence":0.6142578,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11243373900651932},{"word":"then","start":341.03,"end":341.27,"confidence":0.47094727,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0687764585018158},{"word":"along","start":341.27,"end":341.50998,"confidence":0.82177734,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.0469173789024353},{"word":"has","start":341.50998,"end":341.66998,"confidence":0.97265625,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.005564406514167786},{"word":"been","start":341.66998,"end":341.91,"confidence":0.9667969,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.07163567841053009},{"word":"underperforming","start":341.91,"end":342.41,"confidence":0.98876953,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.0924099013209343},{"word":"pretty","start":342.63,"end":342.94998,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.06808722019195557},{"word":"significantly","start":342.94998,"end":343.44998,"confidence":0.99902344,"punctuated_word":"significantly","sentiment":"neutral","sentiment_score":-0.09975804388523102},{"word":"here","start":343.66998,"end":343.83,"confidence":0.8886719,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.004767898470163345},{"word":"we","start":343.83,"end":343.91,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.032556429505348206},{"word":"had","start":343.91,"end":344.15,"confidence":0.99316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.08463551104068756},{"word":"a","start":344.15,"end":344.22998,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15828043222427368},{"word":"good","start":344.22998,"end":344.38998,"confidence":0.99316406,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2421308159828186},{"word":"look","start":344.38998,"end":344.55,"confidence":0.98828125,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07187296450138092},{"word":"at","start":344.55,"end":344.685,"confidence":0.86572266,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0819760411977768},{"word":"the","start":344.76498,"end":344.925,"confidence":0.9223633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12155134975910188},{"word":"capital","start":344.925,"end":345.085,"confidence":0.9838867,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.057017356157302856},{"word":"gains","start":345.085,"end":345.585,"confidence":0.92578125,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.20911014080047607},{"word":"consequences","start":345.645,"end":346.145,"confidence":0.99609375,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.09192632138729095},{"word":"because","start":346.205,"end":346.605,"confidence":0.88134766,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.19037777185440063},{"word":"your","start":346.605,"end":346.76498,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2867759168148041},{"word":"super","start":346.76498,"end":347.085,"confidence":0.82714844,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.38361620903015137},{"word":"fund","start":347.085,"end":347.325,"confidence":0.78515625,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.2660059928894043},{"word":"like","start":347.325,"end":347.645,"confidence":0.9633789,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2930203080177307},{"word":"you","start":347.645,"end":347.805,"confidence":0.9597168,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.24435342848300937},{"word":"does","start":347.805,"end":347.965,"confidence":0.9902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.27928653359413147},{"word":"a","start":347.965,"end":348.04498,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30316686630249023},{"word":"tax","start":348.04498,"end":348.365,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.20280225574970245},{"word":"return","start":348.365,"end":348.685,"confidence":0.9980469,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.22958151996135712},{"word":"every","start":348.685,"end":349.005,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.13643911480903623},{"word":"year","start":349.005,"end":349.505,"confidence":0.90234375,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.14632107317447662},{"word":"and","start":349.805,"end":350.125,"confidence":0.61035156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1816813349723816},{"word":"there","start":350.125,"end":350.365,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1545446813106537},{"word":"are","start":350.365,"end":350.525,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1329030692577362},{"word":"taxes","start":350.525,"end":351.005,"confidence":0.99121094,"punctuated_word":"taxes","sentiment":"neutral","sentiment_score":0.237090528011322},{"word":"involved","start":351.005,"end":351.405,"confidence":0.9970703,"punctuated_word":"involved","sentiment":"neutral","sentiment_score":0.17513009905815125},{"word":"with","start":351.405,"end":351.565,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.26662132143974304},{"word":"buying","start":351.565,"end":351.805,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.2767874300479889},{"word":"and","start":351.805,"end":351.965,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23028972744941711},{"word":"selling","start":351.965,"end":352.365,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.23741108179092407},{"word":"investments","start":352.365,"end":352.865,"confidence":0.94506836,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.14987580478191376},{"word":"your","start":353.725,"end":353.965,"confidence":0.94384766,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.3721626400947571},{"word":"super","start":353.965,"end":354.285,"confidence":0.9902344,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5664443373680115},{"word":"fund","start":354.285,"end":354.525,"confidence":0.9892578,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.4999224543571472},{"word":"will","start":354.525,"end":354.685,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.45257145166397095},{"word":"have","start":354.685,"end":354.925,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4152325391769409},{"word":"no","start":354.925,"end":355.165,"confidence":1.0,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.3719046413898468},{"word":"cgt","start":355.165,"end":355.665,"confidence":0.9123535,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.20919278264045715},{"word":"consequences","start":355.805,"end":356.305,"confidence":0.9921875,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.14153458178043363},{"word":"there","start":356.525,"end":356.685,"confidence":0.91625977,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.36084210872650146},{"word":"so","start":356.685,"end":356.76498,"confidence":0.99121094,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.40334224700927734},{"word":"that","start":356.76498,"end":356.925,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4844721853733063},{"word":"is","start":356.925,"end":357.085,"confidence":0.9941406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4700440168380738},{"word":"a","start":357.085,"end":357.245,"confidence":0.9560547,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5572528839111328},{"word":"benefit","start":357.245,"end":357.725,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5507376790046692},{"word":"for","start":357.725,"end":357.965,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5774321556091309},{"word":"you","start":357.965,"end":358.465,"confidence":0.96850586,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4095894694328308},{"word":"and","start":358.685,"end":358.925,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2193259596824646},{"word":"by","start":358.925,"end":359.165,"confidence":0.9472656,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2582673728466034},{"word":"making","start":359.165,"end":359.565,"confidence":0.9970703,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.32072392106056213},{"word":"the","start":359.565,"end":359.725,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29956769943237305},{"word":"switch","start":359.725,"end":360.15,"confidence":1.0,"punctuated_word":"switch,","sentiment":"neutral","sentiment_score":0.27283456921577454},{"word":"the","start":360.47,"end":360.63,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3874763548374176},{"word":"investment","start":360.63,"end":361.11,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13440394401550293},{"word":"fees","start":361.11,"end":361.43,"confidence":0.98828125,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.2845006287097931},{"word":"are","start":361.43,"end":361.59,"confidence":0.7817383,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2616118788719177},{"word":"expected","start":361.59,"end":361.99,"confidence":0.99902344,"punctuated_word":"expected","sentiment":"positive","sentiment_score":0.3385241627693176},{"word":"to","start":361.99,"end":362.07,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23095926642417908},{"word":"reduce","start":362.07,"end":362.47,"confidence":0.83935547,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.19088472425937653},{"word":"by","start":362.47,"end":362.71,"confidence":0.99609375,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.19406306743621823},{"word":"$243","start":362.71,"end":364.31,"confidence":0.9998047,"punctuated_word":"$243","sentiment":"neutral","sentiment_score":0.1955743134021759},{"word":"per","start":364.31,"end":364.55,"confidence":0.9980469,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.19569574296474457},{"word":"year","start":364.55,"end":364.94998,"confidence":0.9411621,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.12158828228712082},{"word":"so","start":364.94998,"end":365.44998,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.050067491829395294},{"word":"that","start":365.59,"end":365.83,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2517140507698059},{"word":"is","start":365.83,"end":366.15,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2544262707233429},{"word":"sorry","start":366.31,"end":366.81,"confidence":0.95996094,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.14032870531082153},{"word":"that","start":367.35,"end":367.50998,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.009797543287277222},{"word":"is","start":367.50998,"end":367.66998,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05235680937767029},{"word":"also","start":367.66998,"end":367.99,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13116666674613953},{"word":"another","start":367.99,"end":368.31,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.03728079795837402},{"word":"benefit","start":368.31,"end":368.81,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.12173095345497131},{"word":"for","start":368.87,"end":369.03,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1669497191905975},{"word":"you","start":369.03,"end":369.43,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1466512680053711},{"word":"okay","start":369.43,"end":369.93,"confidence":0.9472656,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1268019825220108},{"word":"we","start":371.75,"end":372.07,"confidence":0.9394531,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2079726904630661},{"word":"also","start":372.07,"end":372.55,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.22414401173591617},{"word":"noted","start":372.55,"end":373.03,"confidence":0.9980469,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.16281142830848694},{"word":"that","start":373.03,"end":373.53,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29487499594688416},{"word":"the","start":373.75,"end":374.235,"confidence":0.97265625,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3739514648914337},{"word":"five","start":374.31497,"end":374.47498,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.28628724813461304},{"word":"year","start":374.47498,"end":374.715,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.24881404638290405},{"word":"rolling","start":374.715,"end":374.955,"confidence":0.99902344,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.296745628118515},{"word":"average","start":374.955,"end":375.275,"confidence":0.84155273,"punctuated_word":"average,","sentiment":"neutral","sentiment_score":0.2580094039440155},{"word":"when","start":375.275,"end":375.51498,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2296209931373596},{"word":"we","start":375.51498,"end":375.675,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18511050939559937},{"word":"compare","start":375.675,"end":376.07498,"confidence":0.9970703,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":0.2028370201587677},{"word":"your","start":376.07498,"end":376.235,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2372215241193771},{"word":"current","start":376.235,"end":376.63498,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.1665533185005188},{"word":"portfolio","start":376.63498,"end":377.13498,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11398529261350632},{"word":"with","start":377.19498,"end":377.35498,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2023499459028244},{"word":"the","start":377.35498,"end":377.59497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17005778849124908},{"word":"recommended","start":377.59497,"end":378.09497,"confidence":0.9916992,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":0.2294950634241104},{"word":"the","start":378.63498,"end":378.79498,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.325899600982666},{"word":"newer","start":378.79498,"end":379.19498,"confidence":0.99121094,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":0.17955785989761353},{"word":"portfolio","start":379.19498,"end":379.69498,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.15627562999725342},{"word":"has","start":379.835,"end":380.155,"confidence":0.9951172,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.21060869097709656},{"word":"has","start":380.155,"end":380.655,"confidence":0.4169922,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1794271022081375},{"word":"seen","start":380.79498,"end":381.115,"confidence":0.82128906,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.1751439869403839},{"word":"a","start":381.115,"end":381.35498,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17548832297325134},{"word":"greater","start":381.35498,"end":381.85498,"confidence":0.9951172,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.061142563819885254},{"word":"past","start":382.07498,"end":382.395,"confidence":0.85546875,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.035452961921691895},{"word":"sorry","start":383.115,"end":383.435,"confidence":0.8029785,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.03169792890548706},{"word":"greater","start":383.435,"end":383.75497,"confidence":0.9404297,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.058347657322883606},{"word":"past","start":383.75497,"end":383.995,"confidence":0.99902344,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.11741161346435548},{"word":"performance","start":383.995,"end":384.47498,"confidence":0.9382324,"punctuated_word":"performance.","sentiment":"neutral","sentiment_score":0.12878252565860748},{"word":"so","start":384.47498,"end":384.63498,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28765878081321716},{"word":"when","start":384.63498,"end":384.79498,"confidence":0.99609375,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.42372679710388184},{"word":"we","start":384.79498,"end":385.03497,"confidence":0.9980469,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.346577525138855},{"word":"project","start":385.03497,"end":385.35498,"confidence":0.7285156,"punctuated_word":"project","sentiment":"positive","sentiment_score":0.38984349370002747},{"word":"that","start":385.35498,"end":385.59497,"confidence":0.9941406,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3886118531227112},{"word":"forward","start":385.59497,"end":385.91498,"confidence":0.9428711,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.3491198420524597},{"word":"over","start":385.91498,"end":386.155,"confidence":0.9951172,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4183589518070221},{"word":"the","start":386.155,"end":386.235,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35228270292282104},{"word":"next","start":386.235,"end":386.555,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.27074187994003296},{"word":"sort","start":386.555,"end":386.715,"confidence":0.9741211,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2623818516731262},{"word":"of","start":386.715,"end":386.875,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2885851562023163},{"word":"five","start":386.875,"end":387.115,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.27863872051239014},{"word":"to","start":387.115,"end":387.35498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2509240508079529},{"word":"eight","start":387.35498,"end":387.51498,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.26366177201271057},{"word":"years","start":387.51498,"end":388.01498,"confidence":0.9980469,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.26083290576934814},{"word":"towards","start":388.27,"end":388.43,"confidence":0.9970703,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.36919644474983215},{"word":"your","start":388.43,"end":388.59,"confidence":0.984375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.39225223660469055},{"word":"goal","start":388.59,"end":388.99,"confidence":1.0,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.3356378376483917},{"word":"of","start":388.99,"end":389.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3261878192424774},{"word":"accessing","start":389.15,"end":389.55,"confidence":0.5234375,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.30841249227523804},{"word":"super","start":389.55,"end":389.87,"confidence":0.48706055,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.45067155361175537},{"word":"at","start":389.87,"end":390.03,"confidence":0.72216797,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.37195733189582825},{"word":"67","start":390.03,"end":390.66998,"confidence":0.99316406,"punctuated_word":"67,","sentiment":"positive","sentiment_score":0.4092181324958801},{"word":"we","start":390.66998,"end":390.90997,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4818907678127289},{"word":"can","start":390.90997,"end":391.15,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.532213568687439},{"word":"see","start":391.15,"end":391.38998,"confidence":0.97509766,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5216012597084045},{"word":"this","start":391.38998,"end":391.71,"confidence":0.9951172,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5253954529762268},{"word":"portfolio","start":391.71,"end":392.21,"confidence":0.9941406,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4397631287574768},{"word":"as","start":392.50998,"end":392.75,"confidence":0.52783203,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5573703050613403},{"word":"long","start":392.75,"end":392.90997,"confidence":0.9863281,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.5292201042175293},{"word":"as","start":392.90997,"end":392.99,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5991361141204834},{"word":"it","start":392.99,"end":393.15,"confidence":0.99316406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5354675650596619},{"word":"performs","start":393.15,"end":393.55,"confidence":0.98535156,"punctuated_word":"performs","sentiment":"positive","sentiment_score":0.5515084266662598},{"word":"the","start":393.55,"end":393.71,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4951446056365967},{"word":"same","start":393.71,"end":393.94998,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.5409743785858154},{"word":"way","start":393.94998,"end":394.11,"confidence":0.8635254,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.5157658457756042},{"word":"putting","start":394.11,"end":394.34998,"confidence":0.99902344,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.5455489158630371},{"word":"you","start":394.34998,"end":394.50998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6126421689987183},{"word":"in","start":394.50998,"end":394.66998,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6368341445922852},{"word":"a","start":394.66998,"end":394.75,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6029859781265259},{"word":"much","start":394.75,"end":394.99,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5865942239761353},{"word":"greater","start":394.99,"end":395.38998,"confidence":0.99609375,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.5443177223205566},{"word":"position","start":395.38998,"end":395.78998,"confidence":0.9812012,"punctuated_word":"position,","sentiment":"positive","sentiment_score":0.5722060203552246},{"word":"which","start":395.78998,"end":395.94998,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5351778268814087},{"word":"is","start":395.94998,"end":396.11,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4921705424785614},{"word":"a","start":396.11,"end":396.27,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5273007154464722},{"word":"benefit","start":396.27,"end":396.75,"confidence":1.0,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5473719835281372},{"word":"as","start":396.75,"end":396.90997,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5763609409332275},{"word":"well","start":396.90997,"end":397.38998,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4224379062652588},{"word":"okay","start":397.38998,"end":397.88998,"confidence":0.9033203,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1520850956439972},{"word":"i","start":399.78998,"end":399.94998,"confidence":0.51464844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1779132783412933},{"word":"did","start":399.94998,"end":400.18997,"confidence":0.9614258,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.17061534523963928},{"word":"sort","start":400.18997,"end":400.43,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1582339107990265},{"word":"of","start":400.43,"end":400.50998,"confidence":0.8203125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14022842049598694},{"word":"have","start":400.50998,"end":400.66998,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1304507553577423},{"word":"a","start":400.66998,"end":400.75,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1064901351928711},{"word":"look","start":400.75,"end":400.90997,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06055106595158577},{"word":"at","start":400.90997,"end":400.99,"confidence":0.92578125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09344973415136336},{"word":"projecting","start":400.99,"end":401.49,"confidence":0.98828125,"punctuated_word":"projecting","sentiment":"neutral","sentiment_score":0.13329914212226868},{"word":"to","start":401.55,"end":401.62997,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11758782714605331},{"word":"age","start":401.62997,"end":401.87,"confidence":0.9326172,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.08062981069087982},{"word":"67","start":401.87,"end":402.50998,"confidence":0.7895508,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.11914285272359848},{"word":"just","start":402.50998,"end":402.66998,"confidence":0.9375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13308745622634888},{"word":"to","start":402.66998,"end":402.83,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10074909031391144},{"word":"see","start":402.83,"end":402.99,"confidence":0.9921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12617254257202148},{"word":"where","start":402.99,"end":403.15,"confidence":0.9902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07891466468572617},{"word":"we","start":403.15,"end":403.22998,"confidence":0.96875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08116089552640915},{"word":"were","start":403.22998,"end":403.725,"confidence":0.94384766,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0763041228055954},{"word":"tracking","start":403.725,"end":404.125,"confidence":0.5253906,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.1293947845697403},{"word":"there","start":404.125,"end":404.525,"confidence":0.7067871,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11958228051662444},{"word":"having","start":404.525,"end":404.765,"confidence":0.91503906,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1937343031167984},{"word":"a","start":404.765,"end":404.845,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17452861368656158},{"word":"bit","start":404.845,"end":405.085,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16622474789619446},{"word":"of","start":405.085,"end":405.16498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1698235720396042},{"word":"a","start":405.16498,"end":405.245,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1278136819601059},{"word":"look","start":405.245,"end":405.565,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08904126286506653},{"word":"based","start":405.565,"end":405.805,"confidence":0.9448242,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.09590812772512436},{"word":"on","start":405.805,"end":406.045,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1337706595659256},{"word":"your","start":406.045,"end":406.125,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12059494853019714},{"word":"current","start":406.125,"end":406.525,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.09750742465257645},{"word":"circumstances","start":406.525,"end":407.025,"confidence":0.9914551,"punctuated_word":"circumstances.","sentiment":"neutral","sentiment_score":0.11470648646354677},{"word":"we","start":407.565,"end":407.725,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.16016334295272827},{"word":"also","start":407.725,"end":407.965,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11882492899894714},{"word":"wanted","start":407.965,"end":408.285,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.13653883337974548},{"word":"to","start":408.285,"end":408.36502,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12307889759540558},{"word":"look","start":408.36502,"end":408.605,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1038203313946724},{"word":"at","start":408.605,"end":408.685,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1168612539768219},{"word":"whether","start":408.685,"end":409.005,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.13206440210342407},{"word":"you","start":409.005,"end":409.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16494815051555634},{"word":"were","start":409.165,"end":409.325,"confidence":0.48657227,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.11686281859874724},{"word":"gonna","start":409.325,"end":409.565,"confidence":0.9760742,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.15777063369750977},{"word":"be","start":409.565,"end":409.725,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14182966947555542},{"word":"eligible","start":409.725,"end":410.20502,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.18792398273944855},{"word":"for","start":410.20502,"end":410.445,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1838631182909012},{"word":"age","start":410.445,"end":410.685,"confidence":0.88183594,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.13443630933761597},{"word":"pension","start":410.685,"end":411.005,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1731167733669281},{"word":"there","start":411.005,"end":411.505,"confidence":0.9428711,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14952543377876282},{"word":"having","start":411.725,"end":412.125,"confidence":0.98291016,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":0.2665880024433136},{"word":"a","start":412.125,"end":412.20502,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2645171284675598},{"word":"look","start":412.20502,"end":412.365,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.27234458923339844},{"word":"at","start":412.365,"end":412.445,"confidence":0.9980469,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3513410985469818},{"word":"your","start":412.445,"end":412.685,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34049421548843384},{"word":"circumstances","start":412.685,"end":413.185,"confidence":0.99560547,"punctuated_word":"circumstances,","sentiment":"positive","sentiment_score":0.379598081111908},{"word":"you","start":413.405,"end":413.565,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5327627062797546},{"word":"should","start":413.565,"end":413.805,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.476848840713501},{"word":"have","start":413.805,"end":414.045,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4537155330181122},{"word":"no","start":414.045,"end":414.20502,"confidence":0.99902344,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.34052103757858276},{"word":"problem","start":414.20502,"end":414.605,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.44109851121902466},{"word":"with","start":414.605,"end":414.845,"confidence":0.96875,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.432506799697876},{"word":"that","start":414.845,"end":415.005,"confidence":0.9951172,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.45068299770355225},{"word":"getting","start":415.005,"end":415.505,"confidence":0.42163086,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.4513290822505951},{"word":"some","start":415.64502,"end":415.805,"confidence":0.9707031,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3634275197982788},{"word":"age","start":415.805,"end":416.045,"confidence":0.99316406,"punctuated_word":"age","sentiment":"positive","sentiment_score":0.34485703706741333},{"word":"pension","start":416.045,"end":416.445,"confidence":1.0,"punctuated_word":"pension","sentiment":"positive","sentiment_score":0.340029776096344},{"word":"and","start":416.445,"end":416.605,"confidence":0.9472656,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3574273884296417},{"word":"then","start":416.605,"end":416.845,"confidence":0.99902344,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3518673777580261},{"word":"supplementing","start":416.845,"end":417.345,"confidence":0.9995117,"punctuated_word":"supplementing","sentiment":"positive","sentiment_score":0.4035037159919739},{"word":"some","start":417.405,"end":417.64502,"confidence":0.9980469,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3938524127006531},{"word":"of","start":417.64502,"end":417.805,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.375918984413147},{"word":"your","start":417.805,"end":418.045,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.37862464785575867},{"word":"super","start":418.045,"end":418.545,"confidence":0.9562988,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.36110377311706543},{"word":"we","start":419.06,"end":419.22,"confidence":0.99316406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1693211942911148},{"word":"are","start":419.22,"end":419.46,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1473427712917328},{"word":"sort","start":419.46,"end":419.62,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.18877819180488584},{"word":"of","start":419.62,"end":419.78,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1664985865354538},{"word":"looking","start":419.78,"end":420.09998,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1429157555103302},{"word":"at","start":420.09998,"end":420.34,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17470595240592957},{"word":"trying","start":420.34,"end":420.66,"confidence":0.97998047,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.20013633370399475},{"word":"to","start":420.66,"end":420.74,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1778910905122757},{"word":"get","start":420.74,"end":420.97998,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17500948905944824},{"word":"an","start":420.97998,"end":421.13998,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16205260157585144},{"word":"income","start":421.13998,"end":421.38,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.19348788261413577},{"word":"of","start":421.38,"end":421.62,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14875079691410065},{"word":"about","start":421.62,"end":421.94,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.171066015958786},{"word":"$1,000","start":421.94,"end":422.9,"confidence":0.99731445,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.2848493158817291},{"word":"per","start":422.9,"end":423.06,"confidence":0.99609375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.19958415627479553},{"word":"week","start":423.06,"end":423.38,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.16763293743133545},{"word":"in","start":423.38,"end":423.62,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18073886632919312},{"word":"retirement","start":423.62,"end":424.12,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1786307990550995},{"word":"there","start":424.34,"end":424.84,"confidence":0.9499512,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1051301509141922},{"word":"having","start":425.13998,"end":425.38,"confidence":0.9716797,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":0.0711224228143692},{"word":"a","start":425.38,"end":425.53998,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09398612380027772},{"word":"look","start":425.53998,"end":425.69998,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0683913603425026},{"word":"at","start":425.69998,"end":425.86,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09930318593978882},{"word":"where","start":425.86,"end":426.09998,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.06992208957672119},{"word":"we","start":426.09998,"end":426.25998,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04130229353904724},{"word":"are","start":426.25998,"end":426.5,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0414871871471405},{"word":"projected","start":426.5,"end":426.97998,"confidence":0.97143555,"punctuated_word":"projected,","sentiment":"neutral","sentiment_score":0.09653063118457794},{"word":"it","start":426.97998,"end":427.13998,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.061908185482025146},{"word":"looks","start":427.13998,"end":427.38,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.052536964416503906},{"word":"like","start":427.38,"end":427.53998,"confidence":0.9892578,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0313183069229126},{"word":"at","start":427.53998,"end":427.62,"confidence":0.8496094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03303080052137375},{"word":"the","start":427.62,"end":427.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0023891478776931763},{"word":"moment","start":427.78,"end":428.09998,"confidence":0.8149414,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.013051748275756836},{"word":"we","start":428.09998,"end":428.25998,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12167741358280182},{"word":"are","start":428.25998,"end":428.5,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1376650631427765},{"word":"a","start":428.5,"end":428.58,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07671085000038147},{"word":"little","start":428.58,"end":428.81998,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1076866090297699},{"word":"bit","start":428.81998,"end":429.06,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11808058619499208},{"word":"under","start":429.06,"end":429.3,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.0443299263715744},{"word":"projected","start":429.3,"end":429.8,"confidence":0.875,"punctuated_word":"projected.","sentiment":"neutral","sentiment_score":-0.01324038952589035},{"word":"so","start":429.86,"end":430.02,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07013154029846191},{"word":"we're","start":430.02,"end":430.34,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.118771493434906},{"word":"able","start":430.34,"end":430.66,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.23464620113372803},{"word":"to","start":430.66,"end":430.81998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18220585584640503},{"word":"average","start":430.81998,"end":431.31998,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.21586090326309204},{"word":"at","start":431.555,"end":431.715,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1587390899658203},{"word":"the","start":431.715,"end":431.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.277996689081192},{"word":"moment","start":431.875,"end":432.375,"confidence":0.9904785,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.2494465410709381},{"word":"an","start":432.67502,"end":432.835,"confidence":0.5361328,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.30760353803634644},{"word":"income","start":432.835,"end":433.23502,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1821105033159256},{"word":"per","start":433.23502,"end":433.475,"confidence":0.9970703,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.1454245150089264},{"word":"year","start":433.475,"end":433.715,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.16800379753112793},{"word":"is","start":433.715,"end":433.795,"confidence":0.7739258,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14594151079654694},{"word":"about","start":433.795,"end":434.11502,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17271378636360168},{"word":"$43,001.63","start":434.11502,"end":436.035,"confidence":0.99243164,"punctuated_word":"$43,001.63.","sentiment":"neutral","sentiment_score":0.15108151733875275},{"word":"so","start":436.035,"end":436.275,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.058078184723854065},{"word":"it","start":436.275,"end":436.435,"confidence":0.97802734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04041510820388794},{"word":"is","start":436.435,"end":436.67502,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007130458950996399},{"word":"essentially","start":436.67502,"end":437.17502,"confidence":0.98828125,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.03847268596291542},{"word":"8,000","start":437.23502,"end":437.875,"confidence":0.99902344,"punctuated_word":"8,000","sentiment":"neutral","sentiment_score":0.05453510954976082},{"word":"less","start":437.875,"end":438.11502,"confidence":0.9951172,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.07391037046909332},{"word":"than","start":438.11502,"end":438.355,"confidence":0.9970703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.10373787581920624},{"word":"your","start":438.355,"end":438.595,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10266532003879549},{"word":"target","start":438.595,"end":439.075,"confidence":0.99902344,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.1153215318918228},{"word":"income","start":439.075,"end":439.475,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12991981208324432},{"word":"there","start":439.475,"end":439.975,"confidence":0.8618164,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.03114926815032959},{"word":"but","start":440.355,"end":440.595,"confidence":0.98535156,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.069008007645607},{"word":"moving","start":440.595,"end":440.915,"confidence":0.99609375,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.0834987461566925},{"word":"forward","start":440.915,"end":441.23502,"confidence":0.9995117,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.10124610364437105},{"word":"we","start":441.23502,"end":441.39502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10514973104000092},{"word":"can","start":441.39502,"end":441.555,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09188175201416016},{"word":"look","start":441.555,"end":441.795,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07214586436748505},{"word":"at","start":441.795,"end":441.95502,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06302574276924133},{"word":"other","start":441.95502,"end":442.195,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08018238842487335},{"word":"areas","start":442.195,"end":442.67502,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.06687920540571213},{"word":"and","start":442.67502,"end":442.915,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.060427479445934296},{"word":"other","start":442.915,"end":443.415,"confidence":0.9675293,"punctuated_word":"other,","sentiment":"neutral","sentiment_score":0.06279642134904861},{"word":"you","start":444.34998,"end":444.50998,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051973991096019745},{"word":"know","start":444.50998,"end":445.00998,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07779528200626373},{"word":"other","start":445.38998,"end":445.47,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.055878303945064545},{"word":"advice","start":445.47,"end":445.97,"confidence":0.9902344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06068441644310951},{"word":"around","start":446.03,"end":446.50998,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.05392926558852196},{"word":"additional","start":446.50998,"end":447.00998,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.024729479104280472},{"word":"contributions","start":447.06998,"end":447.56998,"confidence":0.87524414,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.04476938024163246},{"word":"maybe","start":447.87,"end":448.19,"confidence":0.9980469,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.060300372540950775},{"word":"looking","start":448.19,"end":448.50998,"confidence":0.9951172,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.055280834436416626},{"word":"at","start":448.50998,"end":448.66998,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03963382542133331},{"word":"putting","start":448.66998,"end":448.99,"confidence":0.9980469,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.061330292373895645},{"word":"some","start":448.99,"end":449.15,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.06090216338634491},{"word":"more","start":449.15,"end":449.31,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05610790103673935},{"word":"into","start":449.31,"end":449.71,"confidence":0.8041992,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.054351769387722015},{"word":"super","start":449.71,"end":450.19,"confidence":0.90527344,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.06980764120817184},{"word":"when","start":450.19,"end":450.43,"confidence":0.9316406,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.0701327994465828},{"word":"you","start":450.43,"end":450.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06839027255773544},{"word":"turn","start":450.59,"end":450.91,"confidence":0.98291016,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.06427372992038727},{"word":"60","start":450.91,"end":451.31,"confidence":0.98461914,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.058754388242959976},{"word":"look","start":451.31,"end":451.47,"confidence":0.8769531,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07142381370067596},{"word":"at","start":451.47,"end":451.62997,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07555610686540604},{"word":"other","start":451.62997,"end":451.94998,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.058684032410383224},{"word":"strategies","start":451.94998,"end":452.43,"confidence":0.99902344,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.055783458054065704},{"word":"like","start":452.43,"end":452.59,"confidence":0.9614258,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07354864478111267},{"word":"that","start":452.59,"end":452.83,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10712213814258575},{"word":"transfer","start":452.83,"end":453.31,"confidence":0.4050293,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.0797918364405632},{"word":"retirement","start":453.31,"end":453.81,"confidence":0.67626953,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.049213070422410965},{"word":"strategy","start":453.87,"end":454.37,"confidence":0.99609375,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.07187481224536896},{"word":"as","start":454.50998,"end":454.99,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07879830151796341},{"word":"well","start":454.99,"end":455.15,"confidence":0.92163086,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08364170789718628},{"word":"so","start":455.15,"end":455.65,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10811752080917358},{"word":"you","start":455.71,"end":455.87,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1427251398563385},{"word":"can","start":455.87,"end":456.11,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14410164952278137},{"word":"increase","start":456.11,"end":456.43,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.11997703462839128},{"word":"your","start":456.43,"end":456.66998,"confidence":0.8520508,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1466825306415558},{"word":"contributions","start":456.66998,"end":457.16998,"confidence":0.99609375,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.11642654240131378},{"word":"in","start":457.31,"end":457.55,"confidence":0.890625,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.13720738887786865},{"word":"and","start":457.55,"end":457.71,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14700888097286224},{"word":"we","start":457.71,"end":457.94998,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17276199162006378},{"word":"try","start":457.94998,"end":458.11,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.15492011606693268},{"word":"to","start":458.11,"end":458.27,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14401894807815552},{"word":"pull","start":458.27,"end":458.50998,"confidence":0.9980469,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.17709806561470032},{"word":"a","start":458.50998,"end":458.59,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11802907288074492},{"word":"little","start":458.59,"end":458.83,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12176629900932312},{"word":"bit","start":458.83,"end":459.06998,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11010029911994934},{"word":"out","start":459.06998,"end":459.31,"confidence":0.9741211,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12044820189476012},{"word":"to","start":459.31,"end":459.675,"confidence":0.9238281,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.0985230952501297},{"word":"you","start":459.75497,"end":459.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0917297899723053},{"word":"know","start":459.835,"end":460.07498,"confidence":0.9904785,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09429962933063508},{"word":"even","start":460.07498,"end":460.395,"confidence":0.9980469,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.1123446375131607},{"word":"at","start":460.395,"end":460.555,"confidence":0.59521484,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07591734081506729},{"word":"your","start":460.555,"end":460.79498,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09587882459163666},{"word":"income","start":460.79498,"end":461.29498,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08330190181732178},{"word":"as","start":461.595,"end":461.835,"confidence":0.71777344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06488516926765442},{"word":"well","start":461.835,"end":462.07498,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.08743800222873688},{"word":"as","start":462.07498,"end":462.235,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09172715991735458},{"word":"making","start":462.235,"end":462.555,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.10732780396938324},{"word":"more","start":462.555,"end":462.875,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0844670906662941},{"word":"contributions","start":462.875,"end":463.375,"confidence":0.9707031,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.07141546905040741},{"word":"to","start":463.595,"end":463.75497,"confidence":0.7363281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07916474342346191},{"word":"super","start":463.75497,"end":464.235,"confidence":0.46704102,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0741686224937439},{"word":"there","start":464.235,"end":464.395,"confidence":0.939209,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.060448285192251205},{"word":"but","start":464.395,"end":464.875,"confidence":0.9892578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03400152176618576},{"word":"all","start":464.875,"end":465.19498,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.018047843128442764},{"word":"these","start":465.19498,"end":465.435,"confidence":0.60253906,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.026160217821598053},{"word":"strategies","start":465.435,"end":465.935,"confidence":0.99902344,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.036751411855220795},{"word":"do","start":465.995,"end":466.235,"confidence":0.9716797,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01463809609413147},{"word":"sort","start":466.235,"end":466.395,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02858401834964752},{"word":"of","start":466.395,"end":466.555,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021744918078184128},{"word":"have","start":466.555,"end":466.715,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023951038718223572},{"word":"to","start":466.715,"end":466.875,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03248119354248047},{"word":"be","start":466.875,"end":467.03497,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.029310546815395355},{"word":"factored","start":467.03497,"end":467.35498,"confidence":0.99902344,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.03456979990005493},{"word":"in","start":467.35498,"end":467.51498,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03510070592164993},{"word":"a","start":467.51498,"end":467.595,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022949200123548508},{"word":"bit","start":467.595,"end":467.75497,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02041630819439888},{"word":"more","start":467.75497,"end":468.07498,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.009998589754104614},{"word":"down","start":468.07498,"end":468.315,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.017222344875335693},{"word":"the","start":468.315,"end":468.47498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0282314233481884},{"word":"track","start":468.47498,"end":468.97498,"confidence":0.9892578,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.020559869706630707},{"word":"at","start":469.275,"end":469.435,"confidence":0.9448242,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.001691814512014389},{"word":"the","start":469.435,"end":469.595,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006025511771440506},{"word":"moment","start":469.595,"end":470.095,"confidence":0.9980469,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.0067930519580841064},{"word":"you","start":470.235,"end":470.395,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007337816059589386},{"word":"weren't","start":470.395,"end":470.63498,"confidence":0.9921875,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.011623760685324667},{"word":"able","start":470.63498,"end":470.875,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.03553279489278793},{"word":"to","start":470.875,"end":471.03497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04825467616319656},{"word":"sort","start":471.03497,"end":471.275,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.051409799605607986},{"word":"of","start":471.275,"end":471.435,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.045824822038412094},{"word":"make","start":471.435,"end":471.675,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.0578857846558094},{"word":"any","start":471.675,"end":471.91498,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.037838730961084366},{"word":"more","start":471.91498,"end":472.155,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0410696342587471},{"word":"additional","start":472.155,"end":472.655,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.032361552119255066},{"word":"contributions","start":472.715,"end":473.215,"confidence":0.9326172,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.019068025052547455},{"word":"to","start":473.435,"end":473.51498,"confidence":0.43530273,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04340480268001557},{"word":"super","start":473.51498,"end":473.91498,"confidence":0.91015625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.005137726664543152},{"word":"over","start":473.91498,"end":474.07498,"confidence":0.95166016,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.011223852634429932},{"word":"and","start":474.07498,"end":474.235,"confidence":0.78759766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.015858404338359833},{"word":"above","start":474.235,"end":474.63498,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":-0.02649705857038498},{"word":"what","start":474.63498,"end":474.79498,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.013187743723392488},{"word":"you","start":474.79498,"end":474.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01207166537642479},{"word":"are","start":474.955,"end":475.455,"confidence":0.98706055,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.019586285576224327},{"word":"your","start":475.72,"end":475.96,"confidence":0.96875,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.03203762695193291},{"word":"mortgage","start":475.96,"end":476.36,"confidence":0.99316406,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.007825620472431183},{"word":"is","start":476.36,"end":476.6,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0031965896487236023},{"word":"important","start":476.6,"end":477.08,"confidence":0.99609375,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.007172435522079468},{"word":"to","start":477.08,"end":477.24,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.011455602943897247},{"word":"pay","start":477.24,"end":477.56,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.020292960107326508},{"word":"down","start":477.56,"end":477.8,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.004856616258621216},{"word":"there","start":477.8,"end":478.12,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.01483646035194397},{"word":"as","start":478.12,"end":478.2,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.003012418746948242},{"word":"well","start":478.2,"end":478.7,"confidence":0.7480469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.0036490559577941895},{"word":"and","start":479.16,"end":479.4,"confidence":0.8984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01400764286518097},{"word":"then","start":479.4,"end":479.63998,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.032625485211610794},{"word":"also","start":479.63998,"end":480.04,"confidence":0.74365234,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.018192417919635773},{"word":"just","start":480.04,"end":480.36,"confidence":0.92578125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.032095056027173996},{"word":"making","start":480.36,"end":480.68,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.03663427382707596},{"word":"sure","start":480.68,"end":481.0,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03953278064727783},{"word":"that","start":481.0,"end":481.48,"confidence":0.9790039,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.036296941339969635},{"word":"you","start":481.48,"end":481.63998,"confidence":0.9472656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01755741983652115},{"word":"know","start":481.63998,"end":481.88,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02833377942442894},{"word":"things","start":481.88,"end":482.12,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.019071660935878754},{"word":"are","start":482.12,"end":482.28,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.009745694696903229},{"word":"working","start":482.28,"end":482.6,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.010754451155662537},{"word":"harder","start":482.6,"end":483.0,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.009334631264209747},{"word":"for","start":483.0,"end":483.16,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01858986914157867},{"word":"you","start":483.16,"end":483.4,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.01975344866514206},{"word":"so","start":483.4,"end":483.56,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07376839220523834},{"word":"we'll","start":483.56,"end":483.8,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.10411205887794496},{"word":"start","start":483.8,"end":484.04,"confidence":0.98095703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.11384773254394533},{"word":"by","start":484.04,"end":484.28,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.11914423108100893},{"word":"just","start":484.28,"end":484.44,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15129175782203674},{"word":"doing","start":484.44,"end":484.68,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.13141845166683197},{"word":"the","start":484.68,"end":484.84,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15775781869888306},{"word":"investment","start":484.84,"end":485.32,"confidence":0.7470703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06537270545959473},{"word":"switch","start":485.32,"end":485.63998,"confidence":0.9301758,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.0698680505156517},{"word":"for","start":485.63998,"end":485.88,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1157185286283493},{"word":"you","start":485.88,"end":486.38,"confidence":0.7668457,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.11319155991077424},{"word":"then","start":486.68,"end":486.84,"confidence":0.98535156,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11416761577129364},{"word":"we'll","start":486.84,"end":487.08,"confidence":0.9975586,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.11275318264961244},{"word":"sort","start":487.08,"end":487.32,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12225157767534256},{"word":"of","start":487.32,"end":487.4,"confidence":0.94921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13079464435577393},{"word":"track","start":487.4,"end":487.63998,"confidence":0.97314453,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.09491927921772005},{"word":"forward","start":487.63998,"end":487.96,"confidence":0.74316406,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.1296587735414505},{"word":"and","start":487.96,"end":488.12,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12008105218410492},{"word":"look","start":488.12,"end":488.36,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1166200339794159},{"word":"at","start":488.36,"end":488.715,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11174700409173964},{"word":"how","start":488.875,"end":489.115,"confidence":0.9921875,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11346638947725296},{"word":"the","start":489.115,"end":489.195,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10373204201459885},{"word":"performance","start":489.195,"end":489.695,"confidence":0.95703125,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.11112198233604433},{"word":"is","start":489.755,"end":490.07498,"confidence":0.986084,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.12545673549175262},{"word":"how","start":490.07498,"end":490.395,"confidence":0.99609375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1226416528224945},{"word":"everything's","start":490.395,"end":490.79498,"confidence":0.9641113,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.10932036489248276},{"word":"going","start":490.79498,"end":491.115,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.15967631340026855},{"word":"over","start":491.115,"end":491.355,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1265636384487152},{"word":"the","start":491.355,"end":491.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07687407732009888},{"word":"next","start":491.435,"end":491.675,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07884051650762558},{"word":"sort","start":491.675,"end":491.915,"confidence":0.96875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07552772015333176},{"word":"of","start":491.915,"end":491.995,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0735490694642067},{"word":"six","start":491.995,"end":492.235,"confidence":0.9970703,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.07430427521467209},{"word":"to","start":492.235,"end":492.395,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06886114180088043},{"word":"twelve","start":492.395,"end":492.635,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.07634066045284271},{"word":"months","start":492.635,"end":493.135,"confidence":0.8979492,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.10570330917835236},{"word":"and","start":493.51498,"end":493.675,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1082790419459343},{"word":"then","start":493.675,"end":493.835,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10790961980819702},{"word":"look","start":493.835,"end":494.07498,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1148129552602768},{"word":"at","start":494.07498,"end":494.235,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10646981745958328},{"word":"whether","start":494.235,"end":494.475,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.12308476120233536},{"word":"there's","start":494.475,"end":494.715,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.12933942675590515},{"word":"any","start":494.715,"end":495.035,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1209559440612793},{"word":"new","start":495.035,"end":495.195,"confidence":0.9980469,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.09714375436306},{"word":"strategies","start":495.195,"end":495.675,"confidence":0.99902344,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.12910038232803345},{"word":"we","start":495.675,"end":495.755,"confidence":0.9038086,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18318723142147064},{"word":"can","start":495.755,"end":495.915,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20542339980602264},{"word":"put","start":495.915,"end":496.155,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2362537831068039},{"word":"in","start":496.155,"end":496.235,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21194010972976685},{"word":"place","start":496.235,"end":496.555,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.32850557565689087},{"word":"to","start":496.555,"end":496.635,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2347208112478256},{"word":"help","start":496.635,"end":496.875,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2575123906135559},{"word":"boost","start":496.875,"end":497.195,"confidence":0.9111328,"punctuated_word":"boost","sentiment":"neutral","sentiment_score":0.2926107943058014},{"word":"this","start":497.195,"end":497.275,"confidence":0.7397461,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23731625080108645},{"word":"super","start":497.275,"end":497.775,"confidence":0.13208008,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.26960480213165283},{"word":"moving","start":497.915,"end":498.07498,"confidence":0.94921875,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.26813408732414246},{"word":"forward","start":498.07498,"end":498.395,"confidence":0.99902344,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.2036471962928772},{"word":"does","start":498.395,"end":498.635,"confidence":0.99609375,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.17405793070793152},{"word":"that","start":498.635,"end":498.79498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2504386901855469},{"word":"sound","start":498.79498,"end":499.115,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.13875408470630646},{"word":"okay","start":499.115,"end":499.615,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.14772918820381165},{"word":"yep","start":501.37003,"end":501.77002,"confidence":0.8027344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17133180797100067},{"word":"beautiful","start":501.77002,"end":502.27002,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.41492509841918945},{"word":"do","start":502.33002,"end":502.49002,"confidence":0.7397461,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.1270848661661148},{"word":"you","start":502.49002,"end":502.65002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12950442731380463},{"word":"have","start":502.65002,"end":502.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11926086246967316},{"word":"any","start":502.81,"end":503.05002,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1185382828116417},{"word":"questions","start":503.05002,"end":503.37003,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.11966978758573532},{"word":"at","start":503.37003,"end":503.53,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0791008397936821},{"word":"the","start":503.53,"end":503.61002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06706388294696808},{"word":"moment","start":503.61002,"end":503.93002,"confidence":0.9875488,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.07957594096660614},{"word":"try","start":503.93002,"end":504.25,"confidence":0.94970703,"punctuated_word":"Try","sentiment":"neutral","sentiment_score":0.0068015046417713165},{"word":"not","start":504.25,"end":504.41,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.040497735142707825},{"word":"to","start":504.41,"end":504.57,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03496555984020233},{"word":"overcomplicate","start":504.57,"end":505.07,"confidence":0.9588216,"punctuated_word":"overcomplicate","sentiment":"neutral","sentiment_score":-0.07567065954208374},{"word":"those","start":505.29,"end":505.61002,"confidence":0.9760742,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.04738403111696243},{"word":"investments","start":505.61002,"end":506.11002,"confidence":0.5649414,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.050532057881355286},{"word":"switches","start":506.65002,"end":507.15002,"confidence":0.6164551,"punctuated_word":"switches.","sentiment":"neutral","sentiment_score":-0.017126014456152916},{"word":"is","start":507.45,"end":507.61002,"confidence":0.7260742,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.004458462819457054},{"word":"there","start":507.61002,"end":507.77002,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04055813327431679},{"word":"anything","start":507.77002,"end":508.17,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.022149059921503067},{"word":"you","start":508.17,"end":508.33002,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012711051851511002},{"word":"wanted","start":508.33002,"end":508.65002,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.02215317264199257},{"word":"to","start":508.65002,"end":508.73,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023321617394685745},{"word":"kinda","start":508.73,"end":509.13,"confidence":0.96435547,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.017059162259101868},{"word":"ask","start":509.13,"end":509.61002,"confidence":0.9980469,"punctuated_word":"ask?","sentiment":"neutral","sentiment_score":0.02436552755534649},{"word":"yeah","start":509.61002,"end":510.11002,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08328032493591309},{"word":"i","start":510.17,"end":510.33002,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08075492084026337},{"word":"mean","start":510.33002,"end":510.49002,"confidence":0.99316406,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.08993026614189148},{"word":"at","start":510.49002,"end":510.65002,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08126084506511688},{"word":"the","start":510.65002,"end":510.73,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10116826742887496},{"word":"end","start":510.73,"end":510.89,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.09767107665538788},{"word":"of","start":510.89,"end":510.97,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10182425379753111},{"word":"the","start":510.97,"end":511.13,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1152852177619934},{"word":"day","start":511.13,"end":511.37,"confidence":0.9926758,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.12570439279079437},{"word":"making","start":511.37,"end":511.69,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.09875714033842088},{"word":"sure","start":511.69,"end":512.09,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10362280905246736},{"word":"that","start":512.09,"end":512.33,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11636590212583542},{"word":"the","start":512.33,"end":512.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08395253121852875},{"word":"investments","start":512.57,"end":513.05,"confidence":0.98535156,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.04429475963115692},{"word":"are","start":513.05,"end":513.21,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03768685460090637},{"word":"working","start":513.21,"end":513.53,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.09708865731954576},{"word":"harder","start":513.53,"end":513.85004,"confidence":0.8359375,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.06544122844934464},{"word":"and","start":513.85004,"end":514.09,"confidence":0.6894531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04188122600317001},{"word":"investments","start":514.09,"end":514.57,"confidence":0.9658203,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.032940514385700226},{"word":"that","start":514.57,"end":514.73,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07516192644834518},{"word":"you","start":514.73,"end":514.97003,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07521861791610718},{"word":"were","start":514.97003,"end":515.13,"confidence":0.9819336,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.05115853250026703},{"word":"in","start":515.13,"end":515.63,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0820053219795227},{"word":"when","start":515.73505,"end":515.815,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05630737543106079},{"word":"you","start":515.815,"end":516.05505,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0641775131225586},{"word":"first","start":516.05505,"end":516.215,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.041089318692684174},{"word":"came","start":516.215,"end":516.53503,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.06965476274490356},{"word":"on","start":516.53503,"end":516.695,"confidence":0.8310547,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0616823248565197},{"word":"board","start":516.695,"end":516.93506,"confidence":0.9980469,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.07368025928735733},{"word":"or","start":516.93506,"end":517.09503,"confidence":0.9790039,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05153697729110718},{"word":"even","start":517.09503,"end":517.41504,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.05040992423892021},{"word":"last","start":517.41504,"end":517.655,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.034362081438302994},{"word":"year","start":517.655,"end":518.05505,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0662466436624527},{"word":"do","start":518.05505,"end":518.215,"confidence":0.90625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02338845282793045},{"word":"need","start":518.215,"end":518.375,"confidence":0.9902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05140949785709381},{"word":"to","start":518.375,"end":518.53503,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04615503549575806},{"word":"be","start":518.53503,"end":518.695,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.046000003814697266},{"word":"updated","start":518.695,"end":519.17505,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.046891339123249054},{"word":"on","start":519.17505,"end":519.335,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05953828990459442},{"word":"a","start":519.335,"end":519.41504,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06726954877376556},{"word":"regular","start":519.41504,"end":519.815,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.059605974704027176},{"word":"basis","start":519.815,"end":520.215,"confidence":0.8293457,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.07031939923763275},{"word":"and","start":520.215,"end":520.375,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06226260960102081},{"word":"the","start":520.375,"end":520.61505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06652000546455383},{"word":"investments","start":520.61505,"end":521.015,"confidence":0.91503906,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.025878041982650757},{"word":"in","start":521.015,"end":521.17505,"confidence":0.2824707,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04427227005362511},{"word":"what","start":521.17505,"end":521.335,"confidence":0.81152344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.043536923825740814},{"word":"you","start":521.335,"end":521.49506,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039446331560611725},{"word":"in","start":521.49506,"end":521.73505,"confidence":0.45239258,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023555133491754532},{"word":"now","start":521.73505,"end":521.97504,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.021104976534843445},{"word":"might","start":521.97504,"end":522.135,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.044951386749744415},{"word":"need","start":522.135,"end":522.29504,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05369911342859268},{"word":"to","start":522.29504,"end":522.455,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.044341523200273514},{"word":"be","start":522.455,"end":522.53503,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04257961735129357},{"word":"changed","start":522.53503,"end":522.85504,"confidence":0.99316406,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.0501682423055172},{"word":"in","start":522.85504,"end":523.015,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.040058963000774384},{"word":"the","start":523.015,"end":523.17505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042527876794338226},{"word":"future","start":523.17505,"end":523.49506,"confidence":1.0,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.03959483653306961},{"word":"there","start":523.49506,"end":523.73505,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03873957693576813},{"word":"as","start":523.73505,"end":523.97504,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05584951862692833},{"word":"well","start":523.97504,"end":524.29504,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06032557412981987},{"word":"so","start":524.29504,"end":524.775,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08495835959911346},{"word":"it's","start":524.775,"end":524.93506,"confidence":0.9555664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14306141436100006},{"word":"just","start":524.93506,"end":525.17505,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1670750379562378},{"word":"about","start":525.17505,"end":525.49506,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14892874658107758},{"word":"involving","start":525.49506,"end":525.97504,"confidence":0.5,"punctuated_word":"involving","sentiment":"neutral","sentiment_score":0.16165798902511597},{"word":"the","start":525.97504,"end":526.135,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13727737963199615},{"word":"advice","start":526.135,"end":526.53503,"confidence":0.99316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1376989781856537},{"word":"and","start":526.53503,"end":526.695,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14563751220703125},{"word":"involving","start":526.695,"end":527.195,"confidence":0.60302734,"punctuated_word":"involving","sentiment":"neutral","sentiment_score":0.15213210880756378},{"word":"your","start":527.49506,"end":527.73505,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14468421041965485},{"word":"strategy","start":527.73505,"end":528.215,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.13129964470863342},{"word":"as","start":528.215,"end":528.375,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1673882156610489},{"word":"we","start":528.375,"end":528.53503,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16968172788619995},{"word":"work","start":528.53503,"end":528.775,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.20059455931186676},{"word":"towards","start":528.775,"end":529.255,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.1878778040409088},{"word":"your","start":529.255,"end":529.41504,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14572542905807495},{"word":"goals","start":529.41504,"end":529.91504,"confidence":0.9370117,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.1214645504951477},{"word":"and","start":530.05505,"end":530.215,"confidence":0.7949219,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12728875875473022},{"word":"then","start":530.215,"end":530.61505,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16470825672149658},{"word":"as","start":530.61505,"end":530.775,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17517058551311493},{"word":"we","start":530.775,"end":530.93506,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1656235307455063},{"word":"get","start":530.93506,"end":531.12,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16262464225292206},{"word":"closer","start":531.2,"end":531.44,"confidence":0.9902344,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.14770449697971344},{"word":"and","start":531.44,"end":531.52,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13727053999900818},{"word":"closer","start":531.52,"end":532.0,"confidence":0.99316406,"punctuated_word":"closer,","sentiment":"neutral","sentiment_score":0.13754543662071228},{"word":"we'll","start":532.0,"end":532.16,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1515698283910751},{"word":"look","start":532.16,"end":532.32,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1493825614452362},{"word":"at","start":532.32,"end":532.48,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1412854045629501},{"word":"other","start":532.48,"end":532.8,"confidence":0.99121094,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1381169557571411},{"word":"strategies","start":532.8,"end":533.12,"confidence":0.99121094,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.16881829500198364},{"word":"to","start":533.12,"end":533.27997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2339954972267151},{"word":"help","start":533.27997,"end":533.6,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.31034746766090393},{"word":"boost","start":533.6,"end":533.83997,"confidence":0.93408203,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.397179514169693},{"word":"your","start":533.83997,"end":534.08,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3292716443538666},{"word":"super","start":534.08,"end":534.32,"confidence":0.9140625,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.46655404567718506},{"word":"and","start":534.32,"end":534.82,"confidence":0.9453125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32066234946250916},{"word":"put","start":535.04,"end":535.2,"confidence":0.9819336,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.38914409279823303},{"word":"you","start":535.2,"end":535.36,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34471437335014343},{"word":"in","start":535.36,"end":535.52,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4193947315216065},{"word":"a","start":535.52,"end":535.6,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.277260959148407},{"word":"better","start":535.6,"end":535.83997,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2210753858089447},{"word":"position","start":535.83997,"end":536.16,"confidence":1.0,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.3850632905960083},{"word":"to","start":536.16,"end":536.32,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2610185444355011},{"word":"give","start":536.32,"end":536.48,"confidence":0.9921875,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2667734622955322},{"word":"you","start":536.48,"end":536.56,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.213607519865036},{"word":"the","start":536.56,"end":536.72,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2022007405757904},{"word":"best","start":536.72,"end":536.96,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.1953144371509552},{"word":"possible","start":536.96,"end":537.46,"confidence":0.99609375,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.22986850142478943},{"word":"retirement","start":537.52,"end":538.02,"confidence":0.984375,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.198228120803833},{"word":"yeah","start":538.64,"end":538.96,"confidence":0.8405762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2316407561302185},{"word":"how","start":538.96,"end":539.12,"confidence":0.9970703,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2093559503555298},{"word":"does","start":539.12,"end":539.27997,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1831360012292862},{"word":"that","start":539.27997,"end":539.44,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36858028173446655},{"word":"sound","start":539.44,"end":539.94,"confidence":0.99902344,"punctuated_word":"sound?","sentiment":"neutral","sentiment_score":0.2500159740447998},{"word":"yeah","start":542.0,"end":542.5,"confidence":0.91674805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23786453902721405},{"word":"all","start":542.64,"end":542.96,"confidence":0.6269531,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3944177925586701},{"word":"good","start":542.96,"end":543.46,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.28205764293670654},{"word":"do","start":543.83997,"end":544.0,"confidence":0.99121094,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.10406538099050522},{"word":"you","start":544.0,"end":544.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10364874452352524},{"word":"have","start":544.16,"end":544.4,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1078326627612114},{"word":"any","start":544.4,"end":544.64,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1083896830677986},{"word":"questions","start":544.64,"end":545.12,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1023910641670227},{"word":"or","start":545.12,"end":545.36,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07247244566679001},{"word":"anything","start":545.36,"end":545.86,"confidence":0.99365234,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.09018057584762572},{"word":"sorry","start":546.725,"end":547.225,"confidence":0.89331055,"punctuated_word":"Sorry?","sentiment":"neutral","sentiment_score":0.14288920164108276},{"word":"it","start":550.96497,"end":551.285,"confidence":0.9941406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.22830213606357577},{"word":"does","start":551.285,"end":551.685,"confidence":0.75561523,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.22466528415679932},{"word":"doesn't","start":551.685,"end":552.005,"confidence":0.9975586,"punctuated_word":"Doesn't","sentiment":"neutral","sentiment_score":0.11848363280296326},{"word":"it","start":552.005,"end":552.485,"confidence":0.9975586,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.1265425682067871},{"word":"it","start":552.485,"end":552.725,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1235777959227562},{"word":"does","start":552.725,"end":553.20496,"confidence":0.98535156,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.17534711956977844},{"word":"and","start":553.20496,"end":553.52496,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15080471336841583},{"word":"look","start":553.52496,"end":553.685,"confidence":0.6516113,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.18479561805725095},{"word":"you're","start":553.685,"end":553.925,"confidence":0.9951172,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2647394835948944},{"word":"getting","start":553.925,"end":554.165,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.2475755363702774},{"word":"closer","start":554.165,"end":554.665,"confidence":0.9970703,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.27099475264549255},{"word":"to","start":554.725,"end":554.88495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3614627122879028},{"word":"it","start":554.88495,"end":555.38495,"confidence":0.9970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.29221534729003906},{"word":"it","start":559.62,"end":559.86,"confidence":0.9370117,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5020855069160461},{"word":"absolutely","start":559.86,"end":560.36,"confidence":0.99121094,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.5828264951705933},{"word":"is","start":560.74,"end":561.06,"confidence":0.9946289,"punctuated_word":"is.","sentiment":"positive","sentiment_score":0.4735040664672851},{"word":"it","start":561.06,"end":561.3,"confidence":0.99609375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3100740313529968},{"word":"is","start":561.3,"end":561.54,"confidence":0.9350586,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.18702030181884768},{"word":"i","start":561.54,"end":561.62,"confidence":0.7426758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08937626332044601},{"word":"swear","start":561.62,"end":561.86,"confidence":0.7739258,"punctuated_word":"swear,","sentiment":"neutral","sentiment_score":0.06306883692741394},{"word":"as","start":561.86,"end":562.02,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10041122883558272},{"word":"we","start":562.02,"end":562.18,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0955863744020462},{"word":"get","start":562.18,"end":562.33997,"confidence":0.99316406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08548592031002045},{"word":"older","start":562.33997,"end":562.66,"confidence":0.9550781,"punctuated_word":"older,","sentiment":"neutral","sentiment_score":0.09319831430912018},{"word":"the","start":562.66,"end":562.74,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11564794182777403},{"word":"years","start":562.74,"end":562.98,"confidence":0.9770508,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07618118822574615},{"word":"go","start":562.98,"end":563.22,"confidence":0.92089844,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12712177634239197},{"word":"faster","start":563.22,"end":563.54,"confidence":0.99902344,"punctuated_word":"faster","sentiment":"neutral","sentiment_score":0.12643645703792572},{"word":"and","start":563.54,"end":563.7,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08437841385602951},{"word":"faster","start":563.7,"end":563.94,"confidence":1.0,"punctuated_word":"faster","sentiment":"neutral","sentiment_score":0.13360457122325897},{"word":"and","start":563.94,"end":564.1,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09083105623722076},{"word":"faster","start":564.1,"end":564.6,"confidence":0.9890137,"punctuated_word":"faster.","sentiment":"neutral","sentiment_score":0.1257340908050537},{"word":"but","start":567.62,"end":567.86,"confidence":0.7727051,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.02374009415507317},{"word":"no","start":567.86,"end":568.02,"confidence":0.85253906,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":-0.055717673152685165},{"word":"honestly","start":568.02,"end":568.5,"confidence":0.93481445,"punctuated_word":"honestly,","sentiment":"neutral","sentiment_score":-0.047419071197509766},{"word":"look","start":568.5,"end":568.66,"confidence":0.7944336,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.05220242589712143},{"word":"you're","start":568.66,"end":568.98,"confidence":0.91308594,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.025334760546684265},{"word":"59","start":568.98,"end":569.54,"confidence":0.986084,"punctuated_word":"59","sentiment":"neutral","sentiment_score":-0.021378442645072937},{"word":"this","start":569.54,"end":569.86,"confidence":0.7661133,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02563534677028656},{"word":"year","start":569.86,"end":570.02,"confidence":0.86816406,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.03552521765232086},{"word":"so","start":570.02,"end":570.26,"confidence":0.94433594,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.001088373363018036},{"word":"essentially","start":570.26,"end":570.76,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.010152074508368967},{"word":"when","start":570.89996,"end":571.14,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.038098737597465515},{"word":"you","start":571.14,"end":571.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025779031217098236},{"word":"do","start":571.3,"end":571.8,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.022549942135810852},{"word":"hit","start":572.02,"end":572.26,"confidence":0.8886719,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.026139017194509503},{"word":"that","start":572.26,"end":572.76,"confidence":0.91064453,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.00023704767227172852},{"word":"yeah","start":573.795,"end":574.195,"confidence":0.9916992,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03667221590876579},{"word":"so","start":574.195,"end":574.35504,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.041385337710380554},{"word":"when","start":574.35504,"end":574.59503,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07124675065279007},{"word":"you","start":574.59503,"end":574.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05836230888962746},{"word":"do","start":574.675,"end":574.91504,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0568963885307312},{"word":"hit","start":574.91504,"end":575.155,"confidence":0.9980469,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.07543915510177612},{"word":"sort","start":575.155,"end":575.395,"confidence":0.95947266,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01473640650510788},{"word":"of","start":575.395,"end":575.555,"confidence":0.96972656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02820873260498047},{"word":"60","start":575.555,"end":575.875,"confidence":0.984375,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.04261782020330429},{"word":"and","start":575.875,"end":576.115,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02303137630224228},{"word":"beyond","start":576.115,"end":576.35504,"confidence":0.9970703,"punctuated_word":"beyond,","sentiment":"neutral","sentiment_score":0.03254313766956329},{"word":"we","start":576.35504,"end":576.515,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06367897987365723},{"word":"can","start":576.515,"end":576.755,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0646461620926857},{"word":"look","start":576.755,"end":576.91504,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04467010870575905},{"word":"at","start":576.91504,"end":577.155,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04857449233531952},{"word":"other","start":577.155,"end":577.395,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0296500064432621},{"word":"strategies","start":577.395,"end":577.895,"confidence":0.98999023,"punctuated_word":"strategies.","sentiment":"neutral","sentiment_score":0.037211790680885315},{"word":"you're","start":577.955,"end":578.115,"confidence":0.99560547,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.03146206960082054},{"word":"not","start":578.115,"end":578.275,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.051126930862665176},{"word":"quite","start":578.275,"end":578.515,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.0787874236702919},{"word":"there","start":578.515,"end":578.835,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.05245889723300934},{"word":"yet","start":578.835,"end":579.075,"confidence":0.93310547,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":-0.14709964394569397},{"word":"so","start":579.075,"end":579.235,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.08277760446071625},{"word":"we","start":579.235,"end":579.395,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03607591986656189},{"word":"can't","start":579.395,"end":579.715,"confidence":0.93725586,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.049376122653484344},{"word":"sort","start":579.715,"end":579.875,"confidence":0.97802734,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06080564111471176},{"word":"of","start":579.875,"end":579.955,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.031341552734375},{"word":"factor","start":579.955,"end":580.275,"confidence":0.9921875,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":-0.030445460230112076},{"word":"in","start":580.275,"end":580.435,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04946219548583031},{"word":"the","start":580.435,"end":580.59503,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04412868618965149},{"word":"ttr","start":580.59503,"end":580.995,"confidence":0.82543945,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":-0.022517401725053787},{"word":"at","start":580.995,"end":581.155,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07938981056213379},{"word":"the","start":581.155,"end":581.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.053203776478767395},{"word":"moment","start":581.315,"end":581.815,"confidence":0.9785156,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.0554436556994915},{"word":"but","start":582.275,"end":582.435,"confidence":0.9536133,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.041950661689043045},{"word":"when","start":582.435,"end":582.59503,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07369877398014069},{"word":"you","start":582.59503,"end":582.755,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11498480290174484},{"word":"do","start":582.755,"end":582.91504,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10492748022079468},{"word":"get","start":582.91504,"end":583.155,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0785282701253891},{"word":"to","start":583.155,"end":583.315,"confidence":0.96777344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06515491008758545},{"word":"60","start":583.315,"end":583.715,"confidence":0.9921875,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.08442945778369904},{"word":"we","start":583.715,"end":583.875,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1372404843568802},{"word":"can","start":583.875,"end":584.03503,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1434878408908844},{"word":"factor","start":584.03503,"end":584.435,"confidence":0.99609375,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.14906629920005798},{"word":"in","start":584.435,"end":584.675,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15039582550525665},{"word":"additional","start":584.675,"end":585.155,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.1051553636789322},{"word":"advice","start":585.155,"end":585.635,"confidence":0.5559082,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.13142549991607666},{"word":"as","start":585.635,"end":585.875,"confidence":0.86572266,"punctuated_word":"As","sentiment":"positive","sentiment_score":0.33604153990745544},{"word":"i","start":585.875,"end":586.03503,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.33030369877815247},{"word":"kinda","start":586.03503,"end":586.35504,"confidence":0.67041016,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3856597542762756},{"word":"mentioned","start":586.35504,"end":586.85504,"confidence":0.9975586,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.3062323331832886},{"word":"the","start":586.94,"end":587.1,"confidence":0.98535156,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5132929682731628},{"word":"trends","start":587.1,"end":587.33997,"confidence":0.48657227,"punctuated_word":"trends","sentiment":"positive","sentiment_score":0.48587125539779663},{"word":"to","start":587.33997,"end":587.42,"confidence":0.6064453,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5350353121757507},{"word":"your","start":587.42,"end":587.74,"confidence":0.7783203,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.483858197927475},{"word":"time","start":587.74,"end":587.98,"confidence":0.9326172,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.396316260099411},{"word":"strategy","start":587.98,"end":588.45996,"confidence":0.63427734,"punctuated_word":"strategy","sentiment":"positive","sentiment_score":0.4562392234802246},{"word":"is","start":588.45996,"end":588.62,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6150830388069153},{"word":"great","start":588.62,"end":588.77997,"confidence":0.9741211,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7016292810440063},{"word":"because","start":588.77997,"end":589.01996,"confidence":0.6098633,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.4058363139629364},{"word":"it","start":589.01996,"end":589.1,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5206325650215149},{"word":"allows","start":589.1,"end":589.42,"confidence":0.9980469,"punctuated_word":"allows","sentiment":"positive","sentiment_score":0.500604510307312},{"word":"you","start":589.42,"end":589.57996,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5974408984184265},{"word":"to","start":589.57996,"end":589.66,"confidence":0.91503906,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5575494766235352},{"word":"put","start":589.66,"end":589.82,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.6373870372772217},{"word":"more","start":589.82,"end":590.06,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5475051999092102},{"word":"money","start":590.06,"end":590.3,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4868970811367035},{"word":"into","start":590.3,"end":590.62,"confidence":0.7890625,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.5616179704666138},{"word":"super","start":590.62,"end":591.12,"confidence":0.70288086,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.5297936201095581},{"word":"basically","start":592.45996,"end":592.94,"confidence":0.69921875,"punctuated_word":"basically","sentiment":"positive","sentiment_score":0.39594361186027527},{"word":"trying","start":592.94,"end":593.18,"confidence":0.75146484,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.5249012112617493},{"word":"to","start":593.18,"end":593.26,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47233930230140686},{"word":"maximize","start":593.26,"end":593.76,"confidence":0.99902344,"punctuated_word":"maximize","sentiment":"positive","sentiment_score":0.5369351506233215},{"word":"that","start":593.82,"end":593.98,"confidence":0.53466797,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.559577465057373},{"word":"your","start":593.98,"end":594.14,"confidence":0.65966797,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5308169722557068},{"word":"contributions","start":594.14,"end":594.64,"confidence":0.9350586,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.4320949018001557},{"word":"caps","start":594.86,"end":595.18,"confidence":0.49609375,"punctuated_word":"caps","sentiment":"positive","sentiment_score":0.5563600659370422},{"word":"as","start":595.18,"end":595.33997,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.48377785086631775},{"word":"much","start":595.33997,"end":595.5,"confidence":0.99902344,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5289497375488281},{"word":"as","start":595.5,"end":595.74,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4257272183895111},{"word":"possible","start":595.74,"end":596.24,"confidence":0.7998047,"punctuated_word":"possible,","sentiment":"positive","sentiment_score":0.4204682409763336},{"word":"but","start":596.45996,"end":596.62,"confidence":0.9267578,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.4101833403110504},{"word":"you're","start":596.62,"end":596.86,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4736454486846924},{"word":"able","start":596.86,"end":597.1,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.49091407656669617},{"word":"to","start":597.1,"end":597.26,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4865941107273102},{"word":"access","start":597.26,"end":597.66,"confidence":1.0,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.5416922569274902},{"word":"a","start":597.66,"end":597.74,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.49545204639434814},{"word":"little","start":597.74,"end":597.98,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4527744650840759},{"word":"bit","start":597.98,"end":598.14,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4745083153247833},{"word":"of","start":598.14,"end":598.3,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5218321681022644},{"word":"that","start":598.3,"end":598.54,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5561148524284363},{"word":"money","start":598.54,"end":598.77997,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4751785099506378},{"word":"as","start":598.77997,"end":598.94,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5029597282409668},{"word":"well","start":598.94,"end":599.18,"confidence":0.9482422,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.48190128803253174},{"word":"so","start":599.18,"end":599.33997,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3956103026866913},{"word":"you","start":599.33997,"end":599.42,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4603128433227539},{"word":"can","start":599.42,"end":599.66,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.457705020904541},{"word":"draw","start":599.66,"end":599.89996,"confidence":0.7519531,"punctuated_word":"draw","sentiment":"positive","sentiment_score":0.5404832363128662},{"word":"down","start":599.89996,"end":600.14,"confidence":0.8811035,"punctuated_word":"down,","sentiment":"positive","sentiment_score":0.4310842752456665},{"word":"keep","start":600.14,"end":600.3,"confidence":0.99121094,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4938432276248932},{"word":"your","start":600.3,"end":600.45996,"confidence":0.95947266,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5769182443618774},{"word":"take","start":600.45996,"end":600.7,"confidence":0.97314453,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.4625111222267151},{"word":"home","start":600.7,"end":600.94,"confidence":0.97265625,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.3069310486316681},{"word":"pay","start":600.94,"end":601.26,"confidence":0.94628906,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.4171279370784759},{"word":"as","start":601.26,"end":601.42,"confidence":0.99121094,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3877333104610443},{"word":"close","start":601.42,"end":601.74,"confidence":0.9448242,"punctuated_word":"close","sentiment":"positive","sentiment_score":0.5541942119598389},{"word":"as","start":601.74,"end":601.98,"confidence":0.9970703,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.33819830417633057},{"word":"possible","start":601.98,"end":602.45996,"confidence":1.0,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.43232136964797974},{"word":"to","start":602.45996,"end":602.835,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5435795783996582},{"word":"what","start":603.315,"end":603.395,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5353201031684875},{"word":"you've","start":603.395,"end":603.635,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4070206880569458},{"word":"got","start":603.635,"end":604.135,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4377903938293457},{"word":"whilst","start":604.755,"end":605.155,"confidence":0.83984375,"punctuated_word":"whilst","sentiment":"positive","sentiment_score":0.3831152319908142},{"word":"increasing","start":605.155,"end":605.655,"confidence":0.9951172,"punctuated_word":"increasing","sentiment":"positive","sentiment_score":0.3981657028198242},{"word":"contributions","start":605.79504,"end":606.29504,"confidence":0.9941406,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.3501768112182617},{"word":"then","start":606.435,"end":606.935,"confidence":0.7468262,"punctuated_word":"then.","sentiment":"positive","sentiment_score":0.3971272110939026},{"word":"and","start":607.315,"end":607.395,"confidence":0.96777344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.30955779552459717},{"word":"that","start":607.395,"end":607.635,"confidence":0.96972656,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36446645855903625},{"word":"kinda","start":607.635,"end":607.955,"confidence":0.6225586,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.3292982876300812},{"word":"works","start":607.955,"end":608.195,"confidence":0.9404297,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.3214395344257355},{"word":"quite","start":608.195,"end":608.435,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.21851301193237305},{"word":"well","start":608.435,"end":608.755,"confidence":0.9658203,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.271293044090271},{"word":"but","start":608.755,"end":609.155,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12023533880710602},{"word":"not","start":609.155,"end":609.315,"confidence":0.8364258,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.002902686595916748},{"word":"quite","start":609.315,"end":609.635,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.01441727578639984},{"word":"there","start":609.635,"end":609.79504,"confidence":0.99316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-9.98377799987793e-6},{"word":"yet","start":609.79504,"end":610.03503,"confidence":0.99658203,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":0.04951450973749161},{"word":"you're","start":610.03503,"end":610.275,"confidence":0.9995117,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0011885762214660645},{"word":"only","start":610.275,"end":610.515,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.008982636034488678},{"word":"59","start":610.515,"end":611.155,"confidence":0.92578125,"punctuated_word":"59,","sentiment":"neutral","sentiment_score":0.015449791215360165},{"word":"so","start":611.155,"end":611.395,"confidence":0.9885254,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.02294805273413658},{"word":"you","start":611.395,"end":611.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02996957302093506},{"word":"know","start":611.555,"end":611.875,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.009699329733848572},{"word":"don't","start":611.875,"end":612.11505,"confidence":0.99194336,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.020455189049243927},{"word":"wanna","start":612.11505,"end":612.59503,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.04704387113451958},{"word":"push","start":612.59503,"end":612.91504,"confidence":1.0,"punctuated_word":"push","sentiment":"neutral","sentiment_score":-0.04597239941358566},{"word":"too","start":612.91504,"end":613.075,"confidence":0.98095703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.09760040044784546},{"word":"hard","start":613.075,"end":613.315,"confidence":0.9970703,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.05713648349046707},{"word":"and","start":613.315,"end":613.47504,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04719675332307816},{"word":"make","start":613.47504,"end":613.635,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.024838067591190335},{"word":"you","start":613.635,"end":613.875,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.038436613976955414},{"word":"feel","start":613.875,"end":614.11505,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.0042333900928497314},{"word":"older","start":614.11505,"end":614.35504,"confidence":1.0,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.015451453626155852},{"word":"than","start":614.35504,"end":614.515,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.030855372548103333},{"word":"you","start":614.515,"end":614.67505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04278313368558884},{"word":"actually","start":614.67505,"end":614.995,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.02676045149564743},{"word":"are","start":614.995,"end":615.42,"confidence":0.8718262,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.01772315800189972},{"word":"only","start":616.13995,"end":616.38,"confidence":0.87841797,"punctuated_word":"Only","sentiment":"neutral","sentiment_score":0.01348620280623436},{"word":"for","start":616.38,"end":616.62,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04444805905222893},{"word":"another","start":616.62,"end":616.94,"confidence":0.9921875,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.06818497180938721},{"word":"month","start":616.94,"end":617.1,"confidence":0.767334,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.13072814047336578},{"word":"we'll","start":617.1,"end":617.33997,"confidence":0.69421387,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.44497379660606384},{"word":"enjoy","start":617.33997,"end":617.74,"confidence":0.7529297,"punctuated_word":"enjoy.","sentiment":"positive","sentiment_score":0.4997968673706054},{"word":"are","start":617.74,"end":617.89996,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.21976670622825625},{"word":"you","start":617.89996,"end":617.98,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3710080683231354},{"word":"gonna","start":617.98,"end":618.22,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.35902902483940125},{"word":"do","start":618.22,"end":618.3,"confidence":0.99316406,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4748208820819855},{"word":"anything","start":618.3,"end":618.62,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.43756067752838135},{"word":"fun","start":618.62,"end":618.86,"confidence":0.89208984,"punctuated_word":"fun","sentiment":"positive","sentiment_score":0.35426023602485657},{"word":"for","start":618.86,"end":618.94,"confidence":0.98828125,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3622929751873016},{"word":"your","start":618.94,"end":619.1,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3569369316101074},{"word":"birthday","start":619.1,"end":619.5,"confidence":0.9975586,"punctuated_word":"birthday?","sentiment":"positive","sentiment_score":0.3601723313331604},{"word":"do","start":619.5,"end":619.66,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.1547641158103943},{"word":"you","start":619.66,"end":619.82,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2245161533355713},{"word":"have","start":619.82,"end":619.98,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25191056728363037},{"word":"anything","start":619.98,"end":620.38,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.20965783298015592},{"word":"planned","start":620.38,"end":620.7,"confidence":0.99609375,"punctuated_word":"planned","sentiment":"neutral","sentiment_score":0.26358941197395325},{"word":"at","start":620.7,"end":620.77997,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1728522926568985},{"word":"all","start":620.77997,"end":621.1,"confidence":0.8718262,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.1478002369403839},{"word":"or","start":621.1,"end":621.6,"confidence":0.9658203,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.13011787831783295},{"word":"yeah","start":624.77997,"end":625.27997,"confidence":0.80444336,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06300832331180573},{"word":"you're","start":625.66,"end":625.82,"confidence":0.8869629,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.05112042278051376},{"word":"gonna","start":625.82,"end":626.13995,"confidence":0.9277344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0541561134159565},{"word":"go","start":626.13995,"end":626.3,"confidence":0.97265625,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06620921939611435},{"word":"out","start":626.3,"end":626.38,"confidence":0.88720703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06690210103988647},{"word":"for","start":626.38,"end":626.54,"confidence":0.921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.016241412609815598},{"word":"dinner","start":626.54,"end":626.86,"confidence":1.0,"punctuated_word":"dinner","sentiment":"neutral","sentiment_score":-0.026510927826166153},{"word":"or","start":626.86,"end":627.01996,"confidence":0.97998047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03316977992653847},{"word":"do","start":627.01996,"end":627.18,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03909488394856453},{"word":"anything","start":627.18,"end":627.68,"confidence":0.857666,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":-0.05826767906546593},{"word":"no","start":627.82,"end":628.3,"confidence":0.8276367,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.09037137031555176},{"word":"not","start":628.3,"end":628.62,"confidence":0.5151367,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2164326012134552},{"word":"quite","start":628.62,"end":628.86,"confidence":0.9448242,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.16301998496055603},{"word":"one","start":628.86,"end":629.235,"confidence":0.9926758,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.18648865818977356},{"word":"no","start":632.515,"end":632.915,"confidence":0.9758301,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1032937839627266},{"word":"all","start":632.915,"end":633.075,"confidence":0.9326172,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.05455298721790314},{"word":"good","start":633.075,"end":633.39496,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.08971989899873734},{"word":"we'll","start":633.39496,"end":633.795,"confidence":0.8076172,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.13523933291435242},{"word":"we'll","start":633.795,"end":634.035,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.22616958618164065},{"word":"put","start":634.035,"end":634.195,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2637578845024109},{"word":"this","start":634.195,"end":634.355,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23250430822372437},{"word":"in","start":634.355,"end":634.515,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2254300117492676},{"word":"place","start":634.515,"end":634.83496,"confidence":0.9970703,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.24249592423439023},{"word":"there","start":634.83496,"end":634.995,"confidence":0.59375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2670755982398987},{"word":"for","start":634.995,"end":635.15497,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25065183639526367},{"word":"you","start":635.15497,"end":635.235,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22408515214920044},{"word":"if","start":635.235,"end":635.315,"confidence":0.9301758,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.222965270280838},{"word":"you're","start":635.315,"end":635.39496,"confidence":0.9477539,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.24002015590667725},{"word":"happy","start":635.39496,"end":635.71497,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.29077327251434326},{"word":"to","start":635.71497,"end":635.795,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3112223148345947},{"word":"go","start":635.795,"end":636.035,"confidence":0.890625,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3104556202888489},{"word":"ahead","start":636.035,"end":636.115,"confidence":0.9707031,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.27427247166633606},{"word":"with","start":636.115,"end":636.435,"confidence":0.98828125,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.33885493874549866},{"word":"it","start":636.435,"end":636.595,"confidence":0.94970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1797083616256714},{"word":"we'll","start":636.595,"end":636.755,"confidence":0.99365234,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.13226906955242157},{"word":"review","start":636.755,"end":637.075,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.19639632105827332},{"word":"it","start":637.075,"end":637.235,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13372209668159485},{"word":"did","start":637.235,"end":637.39496,"confidence":0.9951172,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.061143405735492706},{"word":"you","start":637.39496,"end":637.555,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08747632801532745},{"word":"want","start":637.555,"end":637.71497,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07191866636276245},{"word":"me","start":637.71497,"end":637.795,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10297231376171112},{"word":"to","start":637.795,"end":637.95496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08124232292175293},{"word":"review","start":637.95496,"end":638.195,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.08957856893539429},{"word":"it","start":638.195,"end":638.355,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09097327291965485},{"word":"in","start":638.355,"end":638.435,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05399595946073532},{"word":"about","start":638.435,"end":638.755,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.054374370723962784},{"word":"six","start":638.755,"end":638.915,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.07172995060682297},{"word":"or","start":638.915,"end":639.075,"confidence":0.9472656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.058290448039770126},{"word":"twelve","start":639.075,"end":639.39496,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.07769227772951126},{"word":"months","start":639.39496,"end":639.635,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.07119404524564743},{"word":"with","start":639.635,"end":639.795,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07038518041372299},{"word":"you","start":639.795,"end":639.95496,"confidence":0.9980469,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.06552779674530029},{"word":"what","start":639.95496,"end":640.115,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.08963024616241455},{"word":"would","start":640.115,"end":640.355,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09054256230592728},{"word":"you","start":640.355,"end":640.515,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08333448320627213},{"word":"like","start":640.515,"end":640.755,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09117165207862854},{"word":"to","start":640.755,"end":640.915,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09625250101089478},{"word":"see","start":640.915,"end":641.075,"confidence":0.98535156,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07312285155057907},{"word":"moving","start":641.075,"end":641.475,"confidence":0.9951172,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.08305066078901291},{"word":"forward","start":641.475,"end":641.975,"confidence":0.9995117,"punctuated_word":"forward?","sentiment":"neutral","sentiment_score":0.09873175621032716},{"word":"six","start":645.1,"end":645.42,"confidence":0.99316406,"punctuated_word":"Six","sentiment":"neutral","sentiment_score":0.06985672563314438},{"word":"months","start":645.42,"end":645.9,"confidence":0.95288086,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.17085623741149902},{"word":"yeah","start":645.9,"end":646.14,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.41305994987487793},{"word":"beautiful","start":646.14,"end":646.64,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.586288332939148},{"word":"and","start":646.94,"end":647.1,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.31640326976776123},{"word":"then","start":647.1,"end":647.34,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3089841306209564},{"word":"we","start":647.34,"end":647.42,"confidence":0.9970703,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3785105347633362},{"word":"can","start":647.42,"end":647.58,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3799176216125488},{"word":"have","start":647.58,"end":647.74,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.38715860247612},{"word":"a","start":647.74,"end":647.82,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3273584246635437},{"word":"bit","start":647.82,"end":647.98,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3050997257232666},{"word":"of","start":647.98,"end":648.06,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30492857098579407},{"word":"a","start":648.06,"end":648.14,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30484676361083984},{"word":"look","start":648.14,"end":648.38,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.35490140318870544},{"word":"at","start":648.38,"end":648.54,"confidence":0.98828125,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.397865355014801},{"word":"what","start":648.54,"end":648.7,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4148456156253814},{"word":"else","start":648.7,"end":648.86,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.4063660502433777},{"word":"we","start":648.86,"end":649.02,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3247443735599518},{"word":"can","start":649.02,"end":649.26,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.36735084652900696},{"word":"do","start":649.26,"end":649.42,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4026720523834229},{"word":"put","start":649.42,"end":649.58,"confidence":0.5864258,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.3477230668067932},{"word":"in","start":649.58,"end":649.74,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31106269359588623},{"word":"place","start":649.74,"end":650.14,"confidence":0.7546387,"punctuated_word":"place,","sentiment":"positive","sentiment_score":0.36582666635513306},{"word":"and","start":650.3,"end":650.54,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3721230924129486},{"word":"how","start":650.54,"end":650.77997,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.38694602251052856},{"word":"we","start":650.77997,"end":650.86,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4330893158912658},{"word":"can","start":650.86,"end":651.02,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.46771183609962463},{"word":"kind","start":651.02,"end":651.26,"confidence":0.75927734,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.42014244198799133},{"word":"of","start":651.26,"end":651.42,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4590414762496948},{"word":"boost","start":651.42,"end":651.66,"confidence":0.88964844,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.4794755280017853},{"word":"your","start":651.66,"end":651.82,"confidence":0.8256836,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.47754448652267456},{"word":"super","start":651.82,"end":652.22,"confidence":0.8774414,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5096532702445984},{"word":"there","start":652.22,"end":652.46,"confidence":0.95654297,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.30575472116470337},{"word":"so","start":652.46,"end":652.77997,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17782554030418396},{"word":"you've","start":652.77997,"end":653.02,"confidence":0.9597168,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1927305907011032},{"word":"realistically","start":653.02,"end":653.52,"confidence":0.48535156,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.17635852098464966},{"word":"only","start":653.66,"end":653.82,"confidence":0.8671875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0861966609954834},{"word":"got","start":653.82,"end":653.98,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1444750726222992},{"word":"about","start":653.98,"end":654.22,"confidence":0.9975586,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.1418299674987793},{"word":"you","start":654.22,"end":654.3,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15341418981552124},{"word":"know","start":654.3,"end":654.62,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.16176648437976837},{"word":"seven","start":654.62,"end":654.94,"confidence":0.99902344,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.145814910531044},{"word":"and","start":654.94,"end":655.02,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08961006253957748},{"word":"a","start":655.02,"end":655.1,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16270801424980164},{"word":"half","start":655.1,"end":655.42,"confidence":0.88671875,"punctuated_word":"half,","sentiment":"neutral","sentiment_score":0.14251980185508728},{"word":"not","start":655.42,"end":655.66,"confidence":0.98828125,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.14272141456604004},{"word":"even","start":655.66,"end":656.055,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.13296326994895935},{"word":"not","start":656.135,"end":656.295,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.12862244248390198},{"word":"even","start":656.295,"end":656.535,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.16369296610355377},{"word":"quite","start":656.535,"end":656.77496,"confidence":0.9970703,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.13969507813453674},{"word":"eight","start":656.77496,"end":657.015,"confidence":0.96533203,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.09979193657636642},{"word":"years","start":657.015,"end":657.255,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07473330199718475},{"word":"there","start":657.255,"end":657.65497,"confidence":0.82666016,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12302298843860626},{"word":"before","start":657.65497,"end":657.975,"confidence":0.91503906,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.1001533567905426},{"word":"you're","start":657.975,"end":658.21497,"confidence":0.9836426,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17466163635253906},{"word":"accessing","start":658.21497,"end":658.71497,"confidence":1.0,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.2503820061683655},{"word":"your","start":659.095,"end":659.415,"confidence":0.7602539,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3175615668296814},{"word":"super","start":659.415,"end":659.915,"confidence":0.9716797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.32542479038238525},{"word":"at","start":660.055,"end":660.21497,"confidence":0.9667969,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2798035740852356},{"word":"67","start":660.21497,"end":660.935,"confidence":0.9995117,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.30962586402893066},{"word":"and","start":660.935,"end":661.095,"confidence":0.9472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21815796196460724},{"word":"being","start":661.095,"end":661.335,"confidence":0.8491211,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.23667529225349423},{"word":"able","start":661.335,"end":661.575,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2685111165046692},{"word":"to","start":661.575,"end":661.735,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26973676681518555},{"word":"apply","start":661.735,"end":661.975,"confidence":0.98828125,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.23786069452762604},{"word":"for","start":661.975,"end":662.135,"confidence":0.96972656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.223177507519722},{"word":"age","start":662.135,"end":662.375,"confidence":0.9350586,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.1582983285188675},{"word":"pension","start":662.375,"end":662.695,"confidence":0.9074707,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":0.06011716648936272},{"word":"so","start":662.695,"end":662.935,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07061174511909485},{"word":"we'll","start":662.935,"end":663.095,"confidence":0.97924805,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06695987284183502},{"word":"look","start":663.095,"end":663.255,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07152452319860458},{"word":"at","start":663.255,"end":663.335,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0674048364162445},{"word":"what","start":663.335,"end":663.495,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05809897929430008},{"word":"we","start":663.495,"end":663.575,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07183530926704407},{"word":"can","start":663.575,"end":663.735,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0665508285164833},{"word":"do","start":663.735,"end":663.895,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.109867662191391},{"word":"to","start":663.895,"end":664.055,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09399325400590897},{"word":"kind","start":664.055,"end":664.295,"confidence":0.9536133,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08568376302719116},{"word":"of","start":664.295,"end":664.375,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11522883176803587},{"word":"boost","start":664.375,"end":664.615,"confidence":0.9873047,"punctuated_word":"boost","sentiment":"neutral","sentiment_score":0.11171790957450868},{"word":"that","start":664.615,"end":664.77496,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12562619149684906},{"word":"in","start":664.77496,"end":664.935,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09195879101753236},{"word":"that","start":664.935,"end":665.175,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1128491684794426},{"word":"time","start":665.175,"end":665.415,"confidence":0.97509766,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07430893182754517},{"word":"frame","start":665.415,"end":665.915,"confidence":0.99853516,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":0.08077514171600342},{"word":"okay","start":666.055,"end":666.555,"confidence":0.7871094,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07792837917804718},{"word":"all","start":667.895,"end":668.21497,"confidence":0.7026367,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5158429145812988},{"word":"good","start":668.21497,"end":668.71497,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4843853712081909},{"word":"all","start":669.29,"end":669.52997,"confidence":0.92089844,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3615818321704865},{"word":"of","start":669.52997,"end":669.76996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3197995722293854},{"word":"our","start":669.76996,"end":670.01,"confidence":0.98291016,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.24267132580280304},{"word":"advice","start":670.01,"end":670.51,"confidence":0.9790039,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.317157119512558},{"word":"is","start":671.05,"end":671.20996,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28056737780570984},{"word":"updated","start":671.20996,"end":671.69,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2669009268283844},{"word":"for","start":671.69,"end":671.85,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3001835346221924},{"word":"you","start":671.85,"end":672.08997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2541758120059967},{"word":"because","start":672.08997,"end":672.25,"confidence":0.91748047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.21626479923725128},{"word":"you're","start":672.25,"end":672.41,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19341859221458435},{"word":"an","start":672.41,"end":672.57,"confidence":0.9873047,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2085446864366531},{"word":"ongoing","start":672.57,"end":672.97,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.21557284891605377},{"word":"service","start":672.97,"end":673.37,"confidence":0.9941406,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.15984821319580078},{"word":"client","start":673.37,"end":673.69,"confidence":0.9675293,"punctuated_word":"client.","sentiment":"neutral","sentiment_score":0.1733095794916153},{"word":"you","start":673.69,"end":673.85,"confidence":0.7050781,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12292566150426865},{"word":"do","start":673.85,"end":674.01,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12757952511310575},{"word":"pay","start":674.01,"end":674.25,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.14721840620040894},{"word":"the","start":674.25,"end":674.32996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15927913784980774},{"word":"ongoing","start":674.32996,"end":674.81,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10020880401134492},{"word":"service","start":674.81,"end":675.13,"confidence":0.9941406,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.09912370145320892},{"word":"fee","start":675.13,"end":675.37,"confidence":0.98095703,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.17597605288028717},{"word":"to","start":675.37,"end":675.44995,"confidence":0.49853516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14070414006710052},{"word":"our","start":675.44995,"end":675.69,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1230856031179428},{"word":"services","start":675.69,"end":676.19,"confidence":0.93603516,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.09417396038770676},{"word":"there","start":676.25,"end":676.41,"confidence":0.8989258,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15684407949447632},{"word":"it","start":676.41,"end":676.57,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.12089675664901732},{"word":"is","start":676.57,"end":676.73,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11358901113271712},{"word":"1.65%","start":676.73,"end":678.01,"confidence":0.9902344,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.11665324866771698},{"word":"per","start":678.01,"end":678.17,"confidence":0.9658203,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.0960574820637703},{"word":"annum","start":678.17,"end":678.67,"confidence":0.99104816,"punctuated_word":"annum.","sentiment":"neutral","sentiment_score":0.1143321841955185},{"word":"that's","start":678.88995,"end":679.13,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1639517843723297},{"word":"all","start":679.13,"end":679.29,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1620241105556488},{"word":"being","start":679.29,"end":679.44995,"confidence":0.95703125,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.19480851292610168},{"word":"factored","start":679.44995,"end":679.85,"confidence":0.9746094,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.2076808214187622},{"word":"into","start":679.85,"end":680.08997,"confidence":0.8413086,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1736079305410385},{"word":"the","start":680.08997,"end":680.25,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19659461081027985},{"word":"advice","start":680.25,"end":680.57,"confidence":0.8984375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.15840265154838562},{"word":"and","start":680.57,"end":680.73,"confidence":0.8305664,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23259638249874115},{"word":"the","start":680.73,"end":680.88995,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2365603148937225},{"word":"projections","start":680.88995,"end":681.38995,"confidence":0.9741211,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.20203626155853271},{"word":"there","start":681.52997,"end":681.76996,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.24925759434700012},{"word":"as","start":681.76996,"end":682.01,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2143844962120056},{"word":"well","start":682.01,"end":682.485,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.20815399289131165},{"word":"there's","start":682.64496,"end":682.96497,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.17672184109687805},{"word":"no","start":682.96497,"end":683.125,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.13785120844841003},{"word":"implementation","start":683.125,"end":683.625,"confidence":1.0,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.12363579124212264},{"word":"costing","start":684.40497,"end":684.805,"confidence":0.9086914,"punctuated_word":"costing","sentiment":"neutral","sentiment_score":0.13016274571418762},{"word":"for","start":684.805,"end":685.045,"confidence":0.7729492,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.156140074133873},{"word":"this","start":685.045,"end":685.20496,"confidence":0.98291016,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23178014159202576},{"word":"advice","start":685.20496,"end":685.605,"confidence":0.91674805,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.182676762342453},{"word":"it's","start":685.605,"end":685.765,"confidence":0.97875977,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4180646538734436},{"word":"all","start":685.765,"end":686.005,"confidence":0.9980469,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4337228834629059},{"word":"complimentary","start":686.005,"end":686.505,"confidence":0.69750977,"punctuated_word":"complimentary.","sentiment":"positive","sentiment_score":0.4207521677017212},{"word":"it's","start":686.565,"end":686.725,"confidence":0.9851074,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3675546646118164},{"word":"been","start":686.725,"end":686.96497,"confidence":0.9604492,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.3223224878311157},{"word":"a","start":686.96497,"end":687.125,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33493393659591675},{"word":"client","start":687.125,"end":687.445,"confidence":0.99316406,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.3096858263015747},{"word":"of","start":687.445,"end":687.605,"confidence":0.98095703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34368935227394104},{"word":"ours","start":687.605,"end":687.765,"confidence":0.99609375,"punctuated_word":"ours","sentiment":"neutral","sentiment_score":0.3138759732246399},{"word":"and","start":687.765,"end":687.925,"confidence":0.7363281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2535775899887085},{"word":"making","start":687.925,"end":688.165,"confidence":0.9970703,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.3045063614845276},{"word":"sure","start":688.165,"end":688.40497,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3846692144870758},{"word":"it's","start":688.40497,"end":688.485,"confidence":0.98339844,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.31350311636924744},{"word":"all","start":688.485,"end":688.725,"confidence":0.8359375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24113643169403076},{"word":"working","start":688.725,"end":688.96497,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2394150346517563},{"word":"harder","start":688.96497,"end":689.365,"confidence":0.98535156,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.26800888776779175},{"word":"for","start":689.365,"end":689.52496,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27564987540245056},{"word":"you","start":689.52496,"end":690.02496,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2634153366088867},{"word":"this","start":690.245,"end":690.565,"confidence":0.984375,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.5229521989822388},{"word":"is","start":690.565,"end":690.64496,"confidence":0.97802734,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6192481517791748},{"word":"a","start":690.64496,"end":690.725,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6367894411087036},{"word":"nice","start":690.725,"end":691.045,"confidence":0.9157715,"punctuated_word":"nice,","sentiment":"positive","sentiment_score":0.6836737394332886},{"word":"fairly","start":691.045,"end":691.365,"confidence":0.8803711,"punctuated_word":"fairly","sentiment":"positive","sentiment_score":0.6442391872406006},{"word":"simple","start":691.365,"end":691.685,"confidence":0.9760742,"punctuated_word":"simple","sentiment":"positive","sentiment_score":0.5750188231468201},{"word":"document","start":691.685,"end":692.165,"confidence":0.97998047,"punctuated_word":"document.","sentiment":"positive","sentiment_score":0.6359976530075073},{"word":"it's","start":692.165,"end":692.325,"confidence":0.9260254,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3746052384376526},{"word":"a","start":692.325,"end":692.40497,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3303844928741455},{"word":"bit","start":692.40497,"end":692.565,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.30645906925201416},{"word":"of","start":692.565,"end":692.725,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31122833490371704},{"word":"an","start":692.725,"end":692.885,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.29281696677207947},{"word":"investment","start":692.885,"end":693.365,"confidence":0.9951172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2021422982215881},{"word":"switch","start":693.365,"end":693.605,"confidence":0.9223633,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.16112957894802094},{"word":"in","start":693.605,"end":693.845,"confidence":0.91503906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20140379667282104},{"word":"looking","start":693.845,"end":694.345,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.229434996843338},{"word":"at","start":694.485,"end":694.725,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22990594804286957},{"word":"the","start":694.725,"end":694.885,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22433531284332275},{"word":"current","start":694.885,"end":695.285,"confidence":0.99609375,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.18961122632026672},{"word":"outcome","start":695.285,"end":695.785,"confidence":1.0,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.189336359500885},{"word":"projected","start":695.845,"end":696.345,"confidence":1.0,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.2870903015136719},{"word":"in","start":696.77997,"end":697.01996,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2124699056148529},{"word":"retirement","start":697.01996,"end":697.51996,"confidence":0.9741211,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.20632237195968628},{"word":"there","start":697.54,"end":698.04,"confidence":0.6743164,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22980071604251864},{"word":"at","start":698.06,"end":698.22,"confidence":0.94921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18994641304016113},{"word":"age","start":698.22,"end":698.45996,"confidence":0.9560547,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.17950502038002014},{"word":"57","start":698.45996,"end":699.1,"confidence":0.7512207,"punctuated_word":"57","sentiment":"neutral","sentiment_score":0.25603723526000977},{"word":"based","start":699.1,"end":699.42,"confidence":0.9760742,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.22463783621788025},{"word":"on","start":699.42,"end":699.57996,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2051171362400055},{"word":"your","start":699.57996,"end":699.74,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17953169345855713},{"word":"current","start":699.74,"end":700.13995,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.1313575804233551},{"word":"scenario","start":700.13995,"end":700.63995,"confidence":0.9379883,"punctuated_word":"scenario.","sentiment":"neutral","sentiment_score":0.18500462174415588},{"word":"but","start":700.77997,"end":701.27997,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1099262237548828},{"word":"is","start":701.57996,"end":701.74,"confidence":0.93408203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.075759656727314},{"word":"there","start":701.74,"end":701.89996,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11638354510068892},{"word":"anything","start":701.89996,"end":702.3,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.12336502224206924},{"word":"else","start":702.3,"end":702.54,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.11458095163106918},{"word":"that","start":702.54,"end":702.69995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0903145596385002},{"word":"you","start":702.69995,"end":702.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0922250598669052},{"word":"kind","start":702.94,"end":703.1,"confidence":0.96240234,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08247050642967224},{"word":"of","start":703.1,"end":703.25995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09924474358558656},{"word":"wanted","start":703.25995,"end":703.57996,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11304895579814912},{"word":"to","start":703.57996,"end":703.74,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.100195050239563},{"word":"ask","start":703.74,"end":704.06,"confidence":0.9970703,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.12329009175300598},{"word":"or","start":704.06,"end":704.45996,"confidence":0.9091797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10097458958625792},{"word":"needed","start":704.45996,"end":704.77997,"confidence":0.99902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.09494443982839584},{"word":"me","start":704.77997,"end":704.94,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10594674944877625},{"word":"to","start":704.94,"end":705.1,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11314011365175249},{"word":"sort","start":705.1,"end":705.25995,"confidence":0.9790039,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12308629602193832},{"word":"of","start":705.25995,"end":705.42,"confidence":0.84277344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13585025072097778},{"word":"work","start":705.42,"end":705.66,"confidence":0.9941406,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.13538120687007904},{"word":"on","start":705.66,"end":705.82,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17632955312728882},{"word":"for","start":705.82,"end":705.98,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1635236144065857},{"word":"you","start":705.98,"end":706.13995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1979747861623764},{"word":"while","start":706.13995,"end":706.38,"confidence":0.9580078,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.16541513800621033},{"word":"you've","start":706.38,"end":706.62,"confidence":0.99365234,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1920197457075119},{"word":"got","start":706.62,"end":706.77997,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1940918117761612},{"word":"me","start":706.77997,"end":706.94,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16382218897342682},{"word":"here","start":706.94,"end":707.18,"confidence":0.7998047,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1874854862689972},{"word":"or","start":707.18,"end":707.25995,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.20864811539649963},{"word":"you're","start":707.25995,"end":707.42,"confidence":0.8105469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21632614731788635},{"word":"just","start":707.42,"end":707.66,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2853667140007019},{"word":"sort","start":707.66,"end":707.82,"confidence":0.9667969,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2924308478832245},{"word":"of","start":707.82,"end":707.98,"confidence":0.77001953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32805299758911133},{"word":"happy","start":707.98,"end":708.22,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2607693374156952},{"word":"to","start":708.22,"end":708.38,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3405693471431732},{"word":"take","start":708.38,"end":708.54,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.4069351255893707},{"word":"that","start":708.54,"end":708.69995,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3499085605144501},{"word":"and","start":708.69995,"end":708.77997,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2495989054441452},{"word":"have","start":708.77997,"end":708.94,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3207210302352905},{"word":"a","start":708.94,"end":709.01996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3196139335632324},{"word":"bit","start":709.01996,"end":709.25995,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2021188735961914},{"word":"of","start":709.25995,"end":709.33997,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2718936800956726},{"word":"a","start":709.33997,"end":709.42,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24802911281585693},{"word":"look","start":709.42,"end":709.66,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.22807428240776065},{"word":"at","start":709.66,"end":709.74,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2432699203491211},{"word":"it","start":709.74,"end":710.145,"confidence":0.99853516,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.2237614095211029},{"word":"yeah","start":713.42505,"end":713.825,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27485689520835876},{"word":"beautiful","start":713.825,"end":714.305,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5207947492599487},{"word":"if","start":714.305,"end":714.465,"confidence":0.95703125,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3765517771244049},{"word":"you","start":714.465,"end":714.625,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2768367528915405},{"word":"do","start":714.625,"end":714.78503,"confidence":0.8798828,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2484508603811264},{"word":"find","start":714.78503,"end":715.10504,"confidence":0.96972656,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.28441157937049866},{"word":"you","start":715.10504,"end":715.265,"confidence":0.91015625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2451326847076416},{"word":"have","start":715.265,"end":715.42505,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2241882681846619},{"word":"any","start":715.42505,"end":715.585,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16740143299102783},{"word":"questions","start":715.585,"end":716.065,"confidence":0.99902344,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.14747852087020874},{"word":"let","start":716.065,"end":716.305,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20706024765968323},{"word":"me","start":716.305,"end":716.465,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17289569973945618},{"word":"know","start":716.465,"end":716.965,"confidence":0.9790039,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.17539630830287933},{"word":"if","start":717.10504,"end":717.265,"confidence":0.78271484,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.22910110652446747},{"word":"you're","start":717.265,"end":717.42505,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23981891572475433},{"word":"happy","start":717.42505,"end":717.66504,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.3361928462982178},{"word":"just","start":717.66504,"end":717.905,"confidence":0.92822266,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.33716437220573425},{"word":"to","start":717.905,"end":717.98505,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31220942735671997},{"word":"take","start":717.98505,"end":718.145,"confidence":0.99902344,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.3776804804801941},{"word":"on","start":718.145,"end":718.305,"confidence":0.98095703,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.42719507217407227},{"word":"those","start":718.305,"end":718.54504,"confidence":0.99121094,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.42350026965141296},{"word":"recommendations","start":718.54504,"end":719.04504,"confidence":0.9838867,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":0.3290904760360718},{"word":"i'll","start":719.905,"end":719.98505,"confidence":0.9379883,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3695792853832245},{"word":"get","start":719.98505,"end":720.145,"confidence":0.9941406,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.40854060649871826},{"word":"you","start":720.145,"end":720.305,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3751128613948822},{"word":"to","start":720.305,"end":720.385,"confidence":0.9863281,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3763047456741333},{"word":"sign","start":720.385,"end":720.625,"confidence":0.98291016,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.2285854369401932},{"word":"the","start":720.625,"end":720.705,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2937532067298889},{"word":"document","start":720.705,"end":721.185,"confidence":0.9880371,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.25591787695884705},{"word":"return","start":721.185,"end":721.505,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.39599332213401794},{"word":"it","start":721.505,"end":721.66504,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.317025750875473},{"word":"back","start":721.66504,"end":721.825,"confidence":0.9975586,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.2914898097515106},{"word":"and","start":721.825,"end":721.98505,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4189967215061188},{"word":"we'll","start":721.98505,"end":722.22504,"confidence":1.0,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.46329694986343384},{"word":"have","start":722.22504,"end":722.385,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.49190133810043335},{"word":"that","start":722.385,"end":722.54504,"confidence":0.9941406,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4833718538284302},{"word":"implemented","start":722.54504,"end":723.04504,"confidence":0.99316406,"punctuated_word":"implemented","sentiment":"positive","sentiment_score":0.4040924608707428},{"word":"nice","start":723.10504,"end":723.265,"confidence":0.95410156,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6640031933784485},{"word":"and","start":723.265,"end":723.42505,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5561866164207458},{"word":"quickly","start":723.42505,"end":723.92505,"confidence":0.99902344,"punctuated_word":"quickly.","sentiment":"positive","sentiment_score":0.4241253137588501},{"word":"it'll","start":724.32,"end":724.56,"confidence":0.98461914,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.24001812934875488},{"word":"be","start":724.56,"end":724.72003,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2685104310512543},{"word":"good","start":724.72003,"end":724.96,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3557805120944977},{"word":"to","start":724.96,"end":725.04004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2651289999485016},{"word":"get","start":725.04004,"end":725.2,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2614692449569702},{"word":"you","start":725.2,"end":725.36005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1872011125087738},{"word":"out","start":725.36005,"end":725.52,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.320945143699646},{"word":"of","start":725.52,"end":725.68,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2674507796764374},{"word":"that","start":725.68,"end":725.84,"confidence":0.17651367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19532495737075808},{"word":"along","start":725.84,"end":726.16003,"confidence":0.7314453,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.244091272354126},{"word":"that","start":726.16003,"end":726.64,"confidence":0.7871094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1131925955414772},{"word":"investment","start":726.64,"end":727.12,"confidence":0.9482422,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.12446051836013794},{"word":"has","start":727.12,"end":727.36005,"confidence":0.90771484,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.22332528233528137},{"word":"been","start":727.36005,"end":727.60004,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.20726323127746585},{"word":"underperforming","start":727.60004,"end":728.10004,"confidence":0.9916992,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.0132550448179245},{"word":"pretty","start":728.4,"end":728.72003,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.065792515873909},{"word":"significantly","start":728.72003,"end":729.22003,"confidence":0.84521484,"punctuated_word":"significantly.","sentiment":"neutral","sentiment_score":0.030137784779071808},{"word":"so","start":729.44,"end":729.76,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13544365763664246},{"word":"moving","start":729.76,"end":730.08,"confidence":0.9526367,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.16929394006729126},{"word":"you","start":730.08,"end":730.24,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16367575526237488},{"word":"out","start":730.24,"end":730.4,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1600954830646515},{"word":"of","start":730.4,"end":730.48004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1340218037366867},{"word":"that","start":730.48004,"end":730.72003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15737032890319824},{"word":"and","start":730.72003,"end":730.88,"confidence":0.6308594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15456047654151917},{"word":"moving","start":730.88,"end":731.12,"confidence":0.9790039,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.18771302700042725},{"word":"you","start":731.12,"end":731.28,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2290767133235931},{"word":"into","start":731.28,"end":731.78,"confidence":0.9863281,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.24779219925403595},{"word":"another","start":731.92004,"end":732.32,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.2167232930660248},{"word":"portfolio","start":732.32,"end":732.82,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.18949714303016665},{"word":"that's","start":732.96,"end":733.28,"confidence":0.9880371,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.28578364849090576},{"word":"been","start":733.28,"end":733.44,"confidence":0.9902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2797674536705017},{"word":"working","start":733.44,"end":733.84,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.3873048722743988},{"word":"better","start":733.84,"end":734.34,"confidence":0.81225586,"punctuated_word":"better,","sentiment":"positive","sentiment_score":0.3352624177932739},{"word":"we'll","start":734.64,"end":734.72003,"confidence":0.9416504,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.4041419625282288},{"word":"hopefully","start":734.72003,"end":735.22003,"confidence":0.9790039,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.4653516411781311},{"word":"see","start":735.28,"end":735.44,"confidence":0.9863281,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.46528416872024536},{"word":"that","start":735.44,"end":735.94,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.44402459263801575},{"word":"perform","start":736.785,"end":737.265,"confidence":0.9194336,"punctuated_word":"perform","sentiment":"positive","sentiment_score":0.40322145819664},{"word":"nicer","start":737.265,"end":737.665,"confidence":0.9633789,"punctuated_word":"nicer","sentiment":"positive","sentiment_score":0.4978141784667969},{"word":"and","start":737.665,"end":737.865,"confidence":0.4567871,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35161665081977844},{"word":"yeah","start":738.065,"end":738.385,"confidence":0.9316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.3049409091472626},{"word":"hopefully","start":738.385,"end":738.785,"confidence":0.9921875,"punctuated_word":"Hopefully,","sentiment":"neutral","sentiment_score":0.3088933229446411},{"word":"marcus","start":738.785,"end":739.185,"confidence":0.34399414,"punctuated_word":"Marcus","sentiment":"positive","sentiment_score":0.35589906573295593},{"word":"work","start":739.185,"end":739.425,"confidence":0.359375,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.4264763593673706},{"word":"in","start":739.425,"end":739.505,"confidence":0.99121094,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4631500244140625},{"word":"our","start":739.505,"end":739.665,"confidence":0.99121094,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.40847015380859375},{"word":"favor","start":739.665,"end":739.985,"confidence":0.9980469,"punctuated_word":"favor","sentiment":"positive","sentiment_score":0.5246793627738953},{"word":"this","start":739.985,"end":740.145,"confidence":0.9980469,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.42755383253097534},{"word":"year","start":740.145,"end":740.385,"confidence":0.99609375,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.34178096055984497},{"word":"it'd","start":740.385,"end":740.46497,"confidence":0.93652344,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":0.2816469073295593},{"word":"be","start":740.46497,"end":740.545,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2770155966281891},{"word":"nice","start":740.545,"end":740.785,"confidence":0.9892578,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.3756006956100464},{"word":"if","start":740.785,"end":741.02496,"confidence":0.9790039,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3686580955982208},{"word":"we","start":741.02496,"end":741.105,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2629861533641815},{"word":"saw","start":741.105,"end":741.345,"confidence":0.9863281,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":0.28082337975502014},{"word":"some","start":741.345,"end":741.585,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.23837003111839297},{"word":"stability","start":741.585,"end":741.985,"confidence":1.0,"punctuated_word":"stability","sentiment":"neutral","sentiment_score":0.23161569237709043},{"word":"out","start":741.985,"end":742.145,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.31418195366859436},{"word":"of","start":742.145,"end":742.225,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2906266152858734},{"word":"it","start":742.225,"end":742.385,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2836790978908539},{"word":"instead","start":742.385,"end":742.625,"confidence":0.94921875,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.13801372051239014},{"word":"of","start":742.625,"end":742.705,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15383252501487732},{"word":"the","start":742.705,"end":742.865,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027029991149902344},{"word":"ups","start":742.865,"end":743.02496,"confidence":0.98095703,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.022287309169769287},{"word":"and","start":743.02496,"end":743.185,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.055933959782123566},{"word":"downs","start":743.185,"end":743.425,"confidence":0.9902344,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.02449629455804825},{"word":"we're","start":743.425,"end":743.585,"confidence":0.5916748,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.12023214995861052},{"word":"being","start":743.585,"end":743.825,"confidence":0.5307617,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.15440088510513306},{"word":"all","start":743.825,"end":743.90497,"confidence":0.9790039,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16694146394729614},{"word":"noticing","start":743.90497,"end":744.40497,"confidence":0.99658203,"punctuated_word":"noticing.","sentiment":"neutral","sentiment_score":0.17243647575378418},{"word":"all","start":748.6,"end":748.92,"confidence":0.5654297,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.275127112865448},{"word":"good","start":748.92,"end":749.32,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2445785403251648},{"word":"well","start":749.32,"end":749.48,"confidence":0.857666,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.12270849943161012},{"word":"that's","start":749.48,"end":749.72003,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11708170175552368},{"word":"basically","start":749.72003,"end":750.22003,"confidence":0.98535156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11342023313045502},{"word":"everything","start":750.28,"end":750.68,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.13381171226501465},{"word":"i","start":750.68,"end":750.92,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09324981272220612},{"word":"needed","start":750.92,"end":751.24,"confidence":0.99121094,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.11912102997303008},{"word":"to","start":751.24,"end":751.4,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14323526620864868},{"word":"go","start":751.4,"end":751.64,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11187367141246796},{"word":"through","start":751.64,"end":751.88,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10376541316509248},{"word":"with","start":751.88,"end":752.12,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10854966938495636},{"word":"you","start":752.12,"end":752.62,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13406193256378174},{"word":"i'll","start":753.0,"end":753.24,"confidence":0.90283203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11933813989162444},{"word":"let","start":753.24,"end":753.4,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.13054436445236206},{"word":"you","start":753.4,"end":753.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12024061381816864},{"word":"go","start":753.56,"end":753.88,"confidence":0.8234863,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.13879458606243134},{"word":"have","start":753.88,"end":754.04,"confidence":0.9941406,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.12093224376440048},{"word":"a","start":754.04,"end":754.12,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15953917801380155},{"word":"bit","start":754.12,"end":754.28,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16810084879398346},{"word":"of","start":754.28,"end":754.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17323435842990875},{"word":"a","start":754.44,"end":754.52,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16423505544662476},{"word":"read","start":754.52,"end":754.76,"confidence":0.97265625,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.0997644066810608},{"word":"through","start":754.76,"end":754.92,"confidence":0.9716797,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08973919600248337},{"word":"that","start":754.92,"end":755.16,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13187424838542938},{"word":"one","start":755.16,"end":755.4,"confidence":0.9165039,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.1526777297258377},{"word":"and","start":755.4,"end":755.56,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16884033381938934},{"word":"then","start":755.56,"end":755.8,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17641441524028778},{"word":"do","start":755.8,"end":755.96,"confidence":0.98291016,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14440609514713287},{"word":"let","start":755.96,"end":756.2,"confidence":0.9892578,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.16192564368247986},{"word":"me","start":756.2,"end":756.28,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1607523262500763},{"word":"know","start":756.28,"end":756.44,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.17947502434253693},{"word":"if","start":756.44,"end":756.52,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1726335883140564},{"word":"you","start":756.52,"end":756.6,"confidence":0.9658203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1520501971244812},{"word":"do","start":756.6,"end":756.76,"confidence":0.97998047,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09370972216129304},{"word":"happen","start":756.76,"end":757.0,"confidence":0.98828125,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.13419277966022491},{"word":"to","start":757.0,"end":757.16,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13829395174980164},{"word":"have","start":757.16,"end":757.32,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11517976224422456},{"word":"the","start":757.32,"end":757.48,"confidence":0.49951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10517483204603197},{"word":"additional","start":757.48,"end":757.88,"confidence":0.98095703,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.07363207638263702},{"word":"questions","start":757.88,"end":758.2,"confidence":0.8942871,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.10683488845825195},{"word":"we've","start":758.2,"end":758.44,"confidence":0.9785156,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.14149637520313263},{"word":"outlined","start":758.44,"end":758.84,"confidence":0.9326172,"punctuated_word":"outlined","sentiment":"neutral","sentiment_score":0.14870451390743256},{"word":"the","start":758.84,"end":759.0,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09222032874822617},{"word":"advantages","start":759.0,"end":759.5,"confidence":0.96484375,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.09514948725700378},{"word":"disadvantages","start":759.64,"end":760.14,"confidence":0.93237305,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":0.030166899785399437},{"word":"and","start":760.36,"end":760.52,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08360299468040466},{"word":"the","start":760.52,"end":760.6,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03488278388977051},{"word":"risks","start":760.6,"end":761.0,"confidence":0.9941406,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.011948995292186735},{"word":"involved","start":761.0,"end":761.4,"confidence":0.99902344,"punctuated_word":"involved","sentiment":"neutral","sentiment_score":0.061236217617988586},{"word":"in","start":761.4,"end":761.56,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12811830639839172},{"word":"there","start":761.56,"end":761.8,"confidence":0.95947266,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19026866555213928},{"word":"for","start":761.8,"end":761.96,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2043099999427795},{"word":"you","start":761.96,"end":762.12,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1819867491722107},{"word":"as","start":762.12,"end":762.28,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2088625729084015},{"word":"well","start":762.28,"end":762.6,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1622489094734192},{"word":"okay","start":762.6,"end":763.1,"confidence":0.7453613,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11320339143276216},{"word":"easy","start":766.02496,"end":766.425,"confidence":0.9345703,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.2532302737236023},{"word":"give","start":766.425,"end":766.665,"confidence":0.9863281,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.17123933136463165},{"word":"me","start":766.665,"end":766.745,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.20348013937473297},{"word":"a","start":766.745,"end":766.825,"confidence":0.9394531,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19577081501483917},{"word":"call","start":766.825,"end":767.065,"confidence":0.984375,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.18233761191368103},{"word":"if","start":767.065,"end":767.225,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20828089118003845},{"word":"you","start":767.225,"end":767.305,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2001158446073532},{"word":"do","start":767.305,"end":767.385,"confidence":0.7626953,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16755150258541107},{"word":"have","start":767.385,"end":767.545,"confidence":0.97314453,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16125163435935974},{"word":"any","start":767.545,"end":767.70496,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1495552659034729},{"word":"questions","start":767.70496,"end":768.105,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1259409487247467},{"word":"or","start":768.105,"end":768.26495,"confidence":0.9453125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1369970738887787},{"word":"concerns","start":768.26495,"end":768.76495,"confidence":0.98828125,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":0.06174679100513458},{"word":"there","start":768.825,"end":769.065,"confidence":0.9296875,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.20691576600074768},{"word":"doug","start":769.065,"end":769.385,"confidence":0.717041,"punctuated_word":"Doug.","sentiment":"neutral","sentiment_score":0.08768273144960403},{"word":"but","start":769.385,"end":769.70496,"confidence":0.93603516,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.163373664021492},{"word":"you","start":769.70496,"end":769.945,"confidence":0.98535156,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3864939212799072},{"word":"have","start":769.945,"end":770.105,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4504796266555786},{"word":"a","start":770.105,"end":770.185,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4811094403266907},{"word":"good","start":770.185,"end":770.505,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5791015625},{"word":"afternoon","start":770.505,"end":771.005,"confidence":1.0,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.4060966372489929},{"word":"are","start":771.225,"end":771.385,"confidence":0.56689453,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.001672804355621338},{"word":"you","start":771.385,"end":771.545,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03936022520065307},{"word":"finished","start":771.545,"end":771.865,"confidence":0.99609375,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":-0.028554916381835938},{"word":"now","start":771.865,"end":772.105,"confidence":0.7470703,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.01220778375864029},{"word":"or","start":772.105,"end":772.26495,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06128844991326332},{"word":"you","start":772.26495,"end":772.345,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10745976865291595},{"word":"got","start":772.345,"end":772.505,"confidence":0.9116211,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.16342882812023163},{"word":"a","start":772.505,"end":772.58496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1303507685661316},{"word":"bit","start":772.58496,"end":772.745,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09219059348106384},{"word":"more","start":772.745,"end":772.985,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.12143713235855104},{"word":"work","start":772.985,"end":773.14496,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.08012060075998306},{"word":"to","start":773.14496,"end":773.225,"confidence":0.94970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.039169229567050934},{"word":"do","start":773.225,"end":773.725,"confidence":0.99609375,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.0023933835327625275},{"word":"yeah","start":776.44,"end":776.94,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1755596548318863},{"word":"yeah","start":778.12,"end":778.44,"confidence":0.7167969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.31295889616012573},{"word":"beautiful","start":778.44,"end":778.94,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7380056381225586},{"word":"well","start":779.4,"end":779.64,"confidence":0.99316406,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.6644604206085205},{"word":"you","start":779.64,"end":779.8,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7340489625930786},{"word":"enjoy","start":779.8,"end":780.2,"confidence":0.9819336,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7473689317703247},{"word":"that","start":780.2,"end":780.68,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4846363663673401},{"word":"have","start":780.68,"end":780.8,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.6401326060295105},{"word":"a","start":780.8,"end":780.92,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6592942476272583},{"word":"good","start":780.92,"end":781.16,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6311419606208801},{"word":"day","start":781.16,"end":781.32,"confidence":0.9753418,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.5618336200714111},{"word":"and","start":781.32,"end":781.56,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6381839513778687},{"word":"i'll","start":781.56,"end":781.64,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5896424651145935},{"word":"talk","start":781.64,"end":781.88,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.6367487907409668},{"word":"to","start":781.88,"end":782.04,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6285269856452942},{"word":"you","start":782.04,"end":782.12,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.48771658539772034},{"word":"very","start":782.12,"end":782.44,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.44801920652389526},{"word":"soon","start":782.44,"end":782.94,"confidence":1.0,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.4526357650756836},{"word":"thanks","start":785.0,"end":785.32,"confidence":0.9838867,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.7419793009757996},{"word":"for","start":785.32,"end":785.48,"confidence":0.91748047,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7942186594009399},{"word":"your","start":785.48,"end":785.64,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.737730860710144},{"word":"time","start":785.64,"end":785.96,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7897557020187378},{"word":"see","start":785.96,"end":786.2,"confidence":1.0,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.5101842880249023},{"word":"you","start":786.2,"end":786.27997,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6211491823196411},{"word":"later","start":786.27997,"end":786.76,"confidence":0.9995117,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.6044002771377563},{"word":"bye","start":786.76,"end":787.26,"confidence":0.9970703,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.2726636826992035}],"paragraphs":{"transcript":"\nHi. Good afternoon, Douglas. How are you? You're all good. You've had a busy day.\n\nYeah. No. That's okay. That's not a problem at all. So because you're on the track, dad, you don't have access to your emails at the moment.\n\nNo. That's okay. That's not a problem at all. If you like what I'll do, I'll run you through the recommendations. I'll try not to overcomplicate it.\n\nAnd then I've emailed you the document as well, so you're welcome to have a bit of a look at it, run your eyes over it. Let me know if you do happen to have any questions, and if you're happy to take those recommendations on board for your investments, please, then we can I'll get you to sign, return it back, and we'll process it for you nice and quickly. Okay? Excellent. So what I'll do is I'll run you through these.\n\nIf you do find you have any questions as we're going through it, let me know. I'll try not to overcomplicate it, and then I'll let you go back and have a really good read of it. Okay? Easy. So with the document here, when you do receive it, it has been dated for yourself as of the 06/15/2026.\n\nOur documents are valid for sixty days. So in all honesty, if you get busy and you need a bit more time, absolutely fine. Just let me know. We'll just double check if circumstances haven't changed majorly. Okay?\n\nOn the bottom of the document, it has noted that has been prepared by myself and my beautiful team here at OKIE Financial. My registration number with ASIC is 1304394. Okay. Sorry. What was that?\n\nWith regards to the advice, we have disturbed in superannuation. So as we kinda went through your annual review, we had a bit of a chat about some of the underperforming investments. I'm just having a look at where you're sort of tracking with regards to your goals there. You do have an investment property, and you're sort of hoping in the next five years, if this is still the same, that you're wanting to sell that property and utilize the the growth to pay off your mortgage. Is that still what you're hoping to do with your investment property there?\n\nOh, yes. Sorry. And you're hoping to pay that down beforehand? Before retirement? Yes.\n\nBeautiful. Can you hear me okay? Sorry. The phone's a little bit crackly. Yeah.\n\nThat's okay. Can you hear me better now? Yeah. Beautiful. Awesome.\n\nLet me know if it does sort of break up a little bit because I'll just keep talking and you won't even I won't even know. I only noticed before because it was sort of breaking into that a little bit. So, essentially, with this one here, we are looking at scoping your superannuation and just making sure that your super is working harder for you. So I did have a look at your net wealth super fund as well as all the other ones out there. Having you look at how everything has been performing and realistically moving out of net worth.\n\nNet wealth is not preferable as of now. We're gonna look at retaining Netwealth Super for you. It is a great fund, and I wanna see moving into any other funds now would increase the capital gains consequences for you. Okay? So I'm recommending you a stay within Netwealth there, but we're gonna do a bit of an investment switch here.\n\nSo we're gonna sell off some of your investments. We're gonna keep essentially, just to break this down, make it nice and easy for you because we don't wanna make it too overcomplicated, but the Bennelong Australian Equities has been underperforming, so we're removing all of that from your portfolio and then just doing a bit of a quick rebalance there for you. Because Bennelong has been underperforming, we're gonna replace that with the BetaShares a 200. That's essentially increasing your exposure into the Australian equities and having you as greater providing greater diversification. So instead of having exposure to 15 to 25 different Australian equities, you're gonna have exposure to over 200.\n\nSo it helps to lower the risk of your portfolio and gives you greater diversification. And the Australian two 100 is a cheaper investment as well, so it helps to lower your fees within the super fund. Okay? Within that, just rebalancing a couple of the other investments. So you've got some bank hybrids there.\n\nWe're retaining and buying a few more in there just to bring your level back up to 12% because you are in that growth exposure. We wanna make sure you've got some defensive assets and lower risk investments. We're gonna rebalance and buy into the beta shares rapid 200 as well, just making sure you've got some exposure to mid cap stocks there. We've got some cybersecurity. So the S and P 500 and the iShares deal plus, so just buying a bit more into that to rebalance you a little bit and selling off some global infrastructure there as well.\n\nAnd physical gold has done really well, but you're a bit overexposed there. So we're just gonna bring that back down to 8%. So, essentially, rebalancing your portfolio just to make sure that you stay in line with your growth risk profile. Does that make sense? Yeah.\n\nBeautiful. Now because you are in that kind of growth area, we're actually sort of making sure your your balance growth, sorry, is more around that sort of seventy thirty split and making sure we have that is keeping it. So you've got about 70% growth assets wanting to make sure you're getting good growth and returns out of your portfolio, but then 30% in those defensive assets and making sure that you are also protecting your capital and, you know, having some of those low risk investments as well. Does that make sense? Does that still feel fairly comfortable for where you're at?\n\nYep. Beautiful. Now having a look because then along has been underperforming pretty significantly here, we had a good look at the capital gains consequences because your super fund, like you, does a tax return every year, and there are taxes involved with buying and selling investments. Your super fund will have no CGT consequences there, so that is a benefit for you. And by making the switch, the investment fees are expected to reduce by $243 per year.\n\nSo that is sorry. That is also another benefit for you. Okay? We also noted that the five year rolling average, when we compare your current portfolio with the recommended, the newer portfolio has has seen a greater past sorry, greater past performance. So when we project that forward over the next sort of five to eight years towards your goal of accessing super at 67, we can see this portfolio as long as it performs the same way, putting you in a much greater position, which is a benefit as well.\n\nOkay? I did sort of have a look at projecting to age 67 just to see where we were tracking there, having a bit of a look based on your current circumstances. We also wanted to look at whether you were gonna be eligible for age pension there. Having a look at your circumstances, you should have no problem with that getting some age pension and then supplementing some of your super. We are sort of looking at trying to get an income of about $1,000 per week in retirement there.\n\nHaving a look at where we are projected, it looks like at the moment, we are a little bit under projected. So we're able to average at the moment, an income per year is about $43,001.63. So it is essentially 8,000 less than your target income there. But moving forward, we can look at other areas and other, you know, other advice around additional contributions, maybe looking at putting some more into super. When you turn 60, look at other strategies like that transfer retirement strategy as well.\n\nSo you can increase your contributions in, and we try to pull a little bit out to, you know, even at your income as well as making more contributions to super there. But all these strategies do sort of have to be factored in a bit more down the track. At the moment, you weren't able to sort of make any more additional contributions to super over and above what you are. Your mortgage is important to pay down there as well. And then also just making sure that, you know, things are working harder for you.\n\nSo we'll start by just doing the investment switch for you, then we'll sort of track forward and look at how the performance is, how everything's going over the next sort of six to twelve months, and then look at whether there's any new strategies we can put in place to help boost this super moving forward. Does that sound okay? Yep. Beautiful. Do you have any questions at the moment?\n\nTry not to overcomplicate those investments switches. Is there anything you wanted to kinda ask? Yeah. I mean, at the end of the day, making sure that the investments are working harder and investments that you were in when you first came on board or even last year do need to be updated on a regular basis, and the investments in what you in now might need to be changed in the future there as well. So it's just about involving the advice and involving your strategy as we work towards your goals.\n\nAnd then as we get closer and closer, we'll look at other strategies to help boost your super and put you in a better position to give you the best possible retirement. Yeah. How does that sound? Yeah. All good.\n\nDo you have any questions or anything? Sorry? It does. Doesn't it? It does.\n\nAnd look. You're getting closer to it. It absolutely is. It is. I swear, as we get older, the years go faster and faster and faster.\n\nBut, no, honestly, look, you're 59 this year. So, essentially, when you do hit that, yeah, so when you do hit sort of 60 and beyond, we can look at other strategies. You're not quite there yet, so we can't sort of factor in the TTR at the moment. But when you do get to 60, we can factor in additional advice. As I kinda mentioned, the trends to your time strategy is great because it allows you to put more money into super, basically trying to maximize that your contributions caps as much as possible, but you're able to access a little bit of that money as well.\n\nSo you can draw down, keep your take home pay as close as possible to what you've got whilst increasing contributions then. And that kinda works quite well, but not quite there yet. You're only 59, so, you know, don't wanna push too hard and make you feel older than you actually are. Only for another month. We'll enjoy.\n\nAre you gonna do anything fun for your birthday? Do you have anything planned at all? Or yeah. You're gonna go out for dinner or do anything? No?\n\nNot quite one. No. All good. We'll we'll put this in place there for you if you're happy to go ahead with it. We'll review it.\n\nDid you want me to review it in about six or twelve months with you? What would you like to see moving forward? Six months? Yeah. Beautiful.\n\nAnd then we can have a bit of a look at what else we can do put in place, and how we can kind of boost your super there. So you've realistically only got about, you know, seven and a half, not even not even quite eight years there before you're accessing your super at 67 and being able to apply for age pension. So we'll look at what we can do to kind of boost that in that time frame. Okay? All good.\n\nAll of our advice is updated for you because you're an ongoing service client. You do pay the ongoing service fee to our services there. It is 1.65% per annum. That's all being factored into the advice and the projections there as well. There's no implementation costing for this advice.\n\nIt's all complimentary. It's been a client of ours and making sure it's all working harder for you. This is a nice, fairly simple document. It's a bit of an investment switch in looking at the current outcome projected in retirement there at age 57 based on your current scenario. But is there anything else that you kind of wanted to ask or needed me to sort of work on for you while you've got me here, or you're just sort of happy to take that and have a bit of a look at it?\n\nYeah. Beautiful. If you do find you have any questions, let me know. If you're happy just to take on those recommendations, I'll get you to sign the document, return it back, and we'll have that implemented nice and quickly. It'll be good to get you out of that along that investment has been underperforming pretty significantly.\n\nSo moving you out of that and moving you into another portfolio that's been working better, we'll hopefully see that perform nicer and yeah. Hopefully, Marcus work in our favor this year. It'd be nice if we saw some stability out of it instead of the ups and downs we're being all noticing. All good. Well, that's basically everything I needed to go through with you.\n\nI'll let you go. Have a bit of a read through that one, and then do let me know if you do happen to have the additional questions. We've outlined the advantages, disadvantages, and the risks involved in there for you as well. Okay? Easy.\n\nGive me a call if you do have any questions or concerns there, Doug. But you have a good afternoon. Are you finished now, or you got a bit more work to do? Yeah. Yeah.\n\nBeautiful. Well, you enjoy that. Have a good day, and I'll talk to you very soon. Thanks for your time. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.76,"end":2.0,"sentiment":"neutral","sentiment_score":0.20303907990455627},{"text":"Good afternoon, Douglas.","start":2.0,"end":3.04,"sentiment":"positive","sentiment_score":0.38392744461695355},{"text":"How are you?","start":3.04,"end":3.9399998,"sentiment":"positive","sentiment_score":0.40248552958170575},{"text":"You're all good.","start":7.9199996,"end":8.72,"sentiment":"positive","sentiment_score":0.5644244949022929},{"text":"You've had a busy day.","start":8.72,"end":10.099999,"sentiment":"neutral","sentiment_score":0.057036972045898436}],"sentiment":"neutral","sentiment_score":0.3027157564957937,"num_words":15,"start":1.76,"end":10.099999},{"sentences":[{"text":"Yeah.","start":17.135,"end":17.535,"sentiment":"neutral","sentiment_score":-0.06738084554672241},{"text":"No.","start":17.535,"end":17.775,"sentiment":"neutral","sentiment_score":-0.11023637652397156},{"text":"That's okay.","start":17.775,"end":18.415,"sentiment":"neutral","sentiment_score":0.0011361483484506607},{"text":"That's not a problem at all.","start":18.415,"end":19.615,"sentiment":"neutral","sentiment_score":0.17369254430135092},{"text":"So because you're on the track, dad, you don't have access to your emails at the moment.","start":19.615,"end":24.675,"sentiment":"neutral","sentiment_score":-0.03922807381433599}],"sentiment":"neutral","sentiment_score":0.007404929095948184,"num_words":27,"start":17.135,"end":24.675},{"sentences":[{"text":"No.","start":26.24,"end":26.56,"sentiment":"neutral","sentiment_score":-0.09758944809436798},{"text":"That's okay.","start":26.56,"end":27.119999,"sentiment":"neutral","sentiment_score":0.03634894511196762},{"text":"That's not a problem at all.","start":27.119999,"end":28.16,"sentiment":"neutral","sentiment_score":0.2856585532426834},{"text":"If you like what I'll do, I'll run you through the recommendations.","start":28.16,"end":30.66,"sentiment":"neutral","sentiment_score":0.27110448852181435},{"text":"I'll try not to overcomplicate it.","start":30.96,"end":32.82,"sentiment":"neutral","sentiment_score":0.1625748767207066}],"sentiment":"neutral","sentiment_score":0.2191764031174696,"num_words":27,"start":26.24,"end":32.82},{"sentences":[{"text":"And then I've emailed you the document as well, so you're welcome to have a bit of a look at it, run your eyes over it.","start":33.04,"end":38.055,"sentiment":"neutral","sentiment_score":0.2716940618478335},{"text":"Let me know if you do happen to have any questions, and if you're happy to take those recommendations on board for your investments, please, then we can I'll get you to sign, return it back, and we'll process it for you nice and quickly.","start":38.295002,"end":48.555,"sentiment":"neutral","sentiment_score":0.27062084476153053},{"text":"Okay?","start":48.695,"end":49.195,"sentiment":"neutral","sentiment_score":0.11919257044792177},{"text":"Excellent.","start":51.11,"end":51.61,"sentiment":"positive","sentiment_score":0.5469681024551392},{"text":"So what I'll do is I'll run you through these.","start":51.67,"end":53.51,"sentiment":"positive","sentiment_score":0.3348405212163925}],"sentiment":"neutral","sentiment_score":0.2801993916551751,"num_words":83,"start":33.04,"end":53.51},{"sentences":[{"text":"If you do find you have any questions as we're going through it, let me know.","start":53.51,"end":56.63,"sentiment":"neutral","sentiment_score":0.23573271371424198},{"text":"I'll try not to overcomplicate it, and then I'll let you go back and have a really good read of it.","start":56.63,"end":61.03,"sentiment":"neutral","sentiment_score":0.2225791293950308},{"text":"Okay?","start":61.03,"end":61.53,"sentiment":"neutral","sentiment_score":0.12583661079406738},{"text":"Easy.","start":63.445,"end":63.945,"sentiment":"neutral","sentiment_score":0.2143466919660568},{"text":"So with the document here, when you do receive it, it has been dated for yourself as of the 06/15/2026.","start":64.005,"end":70.325,"sentiment":"neutral","sentiment_score":0.11565489768981933}],"sentiment":"neutral","sentiment_score":0.18812146429288185,"num_words":59,"start":53.51,"end":70.325},{"sentences":[{"text":"Our documents are valid for sixty days.","start":70.325,"end":72.165,"sentiment":"neutral","sentiment_score":0.12959191096680506},{"text":"So in all honesty, if you get busy and you need a bit more time, absolutely fine.","start":72.165,"end":76.325,"sentiment":"neutral","sentiment_score":0.13048216788207784},{"text":"Just let me know.","start":76.325,"end":77.045,"sentiment":"neutral","sentiment_score":0.1024736687541008},{"text":"We'll just double check if circumstances haven't changed majorly.","start":77.045,"end":81.08,"sentiment":"neutral","sentiment_score":0.00762758766197496},{"text":"Okay?","start":81.299995,"end":81.799995,"sentiment":"neutral","sentiment_score":0.05441095679998398}],"sentiment":"neutral","sentiment_score":0.09627089872466106,"num_words":38,"start":70.325,"end":81.799995},{"sentences":[{"text":"On the bottom of the document, it has noted that has been prepared by myself and my beautiful team here at OKIE Financial.","start":83.22,"end":88.92,"sentiment":"neutral","sentiment_score":0.16181864686634229},{"text":"My registration number with ASIC is 1304394.","start":89.619995,"end":93.735,"sentiment":"neutral","sentiment_score":0.11340622284582683},{"text":"Okay.","start":93.735,"end":94.235,"sentiment":"neutral","sentiment_score":0.2974012494087219},{"text":"Sorry.","start":97.494995,"end":97.895,"sentiment":"neutral","sentiment_score":0.018513351678848267},{"text":"What was that?","start":97.895,"end":98.795,"sentiment":"neutral","sentiment_score":0.009819666544596354}],"sentiment":"neutral","sentiment_score":0.138887029673372,"num_words":35,"start":83.22,"end":98.795},{"sentences":[{"text":"With regards to the advice, we have disturbed in superannuation.","start":102.935,"end":105.674995,"sentiment":"neutral","sentiment_score":-0.14485742934048176},{"text":"So as we kinda went through your annual review, we had a bit of a chat about some of the underperforming investments.","start":105.975,"end":110.81,"sentiment":"neutral","sentiment_score":-0.1306771280413324},{"text":"I'm just having a look at where you're sort of tracking with regards to your goals there.","start":110.81,"end":114.43,"sentiment":"neutral","sentiment_score":-0.04250121335772907},{"text":"You do have an investment property, and you're sort of hoping in the next five years, if this is still the same, that you're wanting to sell that property and utilize the the growth to pay off your mortgage.","start":114.729996,"end":125.035,"sentiment":"neutral","sentiment_score":-0.11288299306462972},{"text":"Is that still what you're hoping to do with your investment property there?","start":125.035,"end":128.095,"sentiment":"neutral","sentiment_score":-0.01960726841711081}],"sentiment":"neutral","sentiment_score":-0.09607250451820322,"num_words":101,"start":102.935,"end":128.095},{"sentences":[{"text":"Oh, yes.","start":133.435,"end":133.91501,"sentiment":"neutral","sentiment_score":-0.000514758750796318},{"text":"Sorry.","start":133.91501,"end":134.155,"sentiment":"neutral","sentiment_score":-0.04530828073620796},{"text":"And you're hoping to pay that down beforehand?","start":134.155,"end":136.015,"sentiment":"neutral","sentiment_score":-0.03052906575612724},{"text":"Before retirement?","start":136.45,"end":137.26999,"sentiment":"neutral","sentiment_score":-0.027114832773804665},{"text":"Yes.","start":138.04999,"end":138.45,"sentiment":"neutral","sentiment_score":0.07966182380914688}],"sentiment":"neutral","sentiment_score":-0.01893844043037721,"num_words":14,"start":133.435,"end":138.45},{"sentences":[{"text":"Beautiful.","start":138.45,"end":138.95,"sentiment":"neutral","sentiment_score":0.28065165877342224},{"text":"Can you hear me okay?","start":140.93,"end":142.12999,"sentiment":"neutral","sentiment_score":0.026312919706106185},{"text":"Sorry.","start":142.12999,"end":142.37,"sentiment":"neutral","sentiment_score":-0.08870334923267365},{"text":"The phone's a little bit crackly.","start":142.37,"end":144.79,"sentiment":"neutral","sentiment_score":-0.32311153411865234},{"text":"Yeah.","start":146.53,"end":146.84999,"sentiment":"neutral","sentiment_score":0.020450981333851814}],"sentiment":"neutral","sentiment_score":-0.11390752252191305,"num_words":14,"start":138.45,"end":146.84999},{"sentences":[{"text":"That's okay.","start":146.84999,"end":147.67,"sentiment":"neutral","sentiment_score":0.01853858307003975},{"text":"Can you hear me better now?","start":149.98499,"end":151.44499,"sentiment":"neutral","sentiment_score":-0.03982705747087797},{"text":"Yeah.","start":153.185,"end":153.58499,"sentiment":"neutral","sentiment_score":0.12060333043336868},{"text":"Beautiful.","start":153.58499,"end":154.06499,"sentiment":"positive","sentiment_score":0.4391131401062012},{"text":"Awesome.","start":154.06499,"end":154.545,"sentiment":"positive","sentiment_score":0.4252907931804657}],"sentiment":"neutral","sentiment_score":0.07119291682134975,"num_words":11,"start":146.84999,"end":154.545},{"sentences":[{"text":"Let me know if it does sort of break up a little bit because I'll just keep talking and you won't even I won't even know.","start":154.545,"end":160.325,"sentiment":"neutral","sentiment_score":-0.019041288787355788},{"text":"I only noticed before because it was sort of breaking into that a little bit.","start":160.70499,"end":164.19,"sentiment":"neutral","sentiment_score":-0.08648125206430753},{"text":"So, essentially, with this one here, we are looking at scoping your superannuation and just making sure that your super is working harder for you.","start":164.67,"end":171.07,"sentiment":"neutral","sentiment_score":-0.019299410842359067},{"text":"So I did have a look at your net wealth super fund as well as all the other ones out there.","start":171.07,"end":175.41,"sentiment":"neutral","sentiment_score":0.007698992178553627},{"text":"Having you look at how everything has been performing and realistically moving out of net worth.","start":175.55,"end":181.705,"sentiment":"neutral","sentiment_score":-0.09731686534360051}],"sentiment":"neutral","sentiment_score":-0.035632704565464295,"num_words":103,"start":154.545,"end":181.705},{"sentences":[{"text":"Net wealth is not preferable as of now.","start":181.705,"end":183.885,"sentiment":"neutral","sentiment_score":-0.30298734828829765},{"text":"We're gonna look at retaining Netwealth Super for you.","start":184.50499,"end":187.14499,"sentiment":"neutral","sentiment_score":0.06743869971897867},{"text":"It is a great fund, and I wanna see moving into any other funds now would increase the capital gains consequences for you.","start":187.14499,"end":195.24,"sentiment":"neutral","sentiment_score":0.2280602040498153},{"text":"Okay?","start":195.48001,"end":195.88,"sentiment":"neutral","sentiment_score":0.0819893628358841},{"text":"So I'm recommending you a stay within Netwealth there, but we're gonna do a bit of an investment switch here.","start":195.88,"end":200.6,"sentiment":"neutral","sentiment_score":0.014375789929181338}],"sentiment":"neutral","sentiment_score":0.06226130107753589,"num_words":61,"start":181.705,"end":200.6},{"sentences":[{"text":"So we're gonna sell off some of your investments.","start":200.6,"end":203.02,"sentiment":"neutral","sentiment_score":-0.10332712241344982},{"text":"We're gonna keep essentially, just to break this down, make it nice and easy for you because we don't wanna make it too overcomplicated, but the Bennelong Australian Equities has been underperforming, so we're removing all of that from your portfolio and then just doing a bit of a quick rebalance there for you.","start":203.72,"end":219.225,"sentiment":"neutral","sentiment_score":0.06336768364740743},{"text":"Because Bennelong has been underperforming, we're gonna replace that with the BetaShares a 200.","start":219.845,"end":224.965,"sentiment":"neutral","sentiment_score":0.06858029296355588},{"text":"That's essentially increasing your exposure into the Australian equities and having you as greater providing greater diversification.","start":224.965,"end":233.59999,"sentiment":"neutral","sentiment_score":0.309580056106343},{"text":"So instead of having exposure to 15 to 25 different Australian equities, you're gonna have exposure to over 200.","start":234.06,"end":240.525,"sentiment":"neutral","sentiment_score":0.22923661650795685}],"sentiment":"neutral","sentiment_score":0.11566718216095351,"num_words":113,"start":200.6,"end":240.525},{"sentences":[{"text":"So it helps to lower the risk of your portfolio and gives you greater diversification.","start":240.525,"end":244.545,"sentiment":"positive","sentiment_score":0.4607383728027344},{"text":"And the Australian two 100 is a cheaper investment as well, so it helps to lower your fees within the super fund.","start":245.325,"end":251.265,"sentiment":"positive","sentiment_score":0.510673230344599},{"text":"Okay?","start":251.405,"end":251.905,"sentiment":"neutral","sentiment_score":0.21765559911727905},{"text":"Within that, just rebalancing a couple of the other investments.","start":254.09,"end":256.99,"sentiment":"neutral","sentiment_score":0.14375393241643905},{"text":"So you've got some bank hybrids there.","start":257.13,"end":258.97,"sentiment":"neutral","sentiment_score":0.14039320072957448}],"sentiment":"positive","sentiment_score":0.37788789069110695,"num_words":55,"start":240.525,"end":258.97},{"sentences":[{"text":"We're retaining and buying a few more in there just to bring your level back up to 12% because you are in that growth exposure.","start":258.97,"end":265.285,"sentiment":"neutral","sentiment_score":0.21660332202911378},{"text":"We wanna make sure you've got some defensive assets and lower risk investments.","start":265.425,"end":269.205,"sentiment":"neutral","sentiment_score":0.19551754685548636},{"text":"We're gonna rebalance and buy into the beta shares rapid 200 as well, just making sure you've got some exposure to mid cap stocks there.","start":269.82498,"end":276.885,"sentiment":"neutral","sentiment_score":0.15342886716127396},{"text":"We've got some cybersecurity.","start":277.06,"end":278.36,"sentiment":"neutral","sentiment_score":0.06467431504279375},{"text":"So the S and P 500 and the iShares deal plus, so just buying a bit more into that to rebalance you a little bit and selling off some global infrastructure there as well.","start":278.74,"end":290.58,"sentiment":"neutral","sentiment_score":0.0898012537509203}],"sentiment":"neutral","sentiment_score":0.14954923491666813,"num_words":101,"start":258.97,"end":290.58},{"sentences":[{"text":"And physical gold has done really well, but you're a bit overexposed there.","start":290.58,"end":293.905,"sentiment":"neutral","sentiment_score":-0.006283049973157736},{"text":"So we're just gonna bring that back down to 8%.","start":293.905,"end":296.565,"sentiment":"neutral","sentiment_score":0.09969127997756004},{"text":"So, essentially, rebalancing your portfolio just to make sure that you stay in line with your growth risk profile.","start":296.625,"end":302.72498,"sentiment":"neutral","sentiment_score":0.15987353183721242},{"text":"Does that make sense?","start":302.785,"end":303.81,"sentiment":"neutral","sentiment_score":0.11398342810571194},{"text":"Yeah.","start":305.65,"end":305.97,"sentiment":"neutral","sentiment_score":0.2992114722728729}],"sentiment":"neutral","sentiment_score":0.10016969020696397,"num_words":47,"start":290.58,"end":305.97},{"sentences":[{"text":"Beautiful.","start":305.97,"end":306.47,"sentiment":"positive","sentiment_score":0.4574614763259888},{"text":"Now because you are in that kind of growth area, we're actually sort of making sure your your balance growth, sorry, is more around that sort of seventy thirty split and making sure we have that is keeping it.","start":307.01,"end":318.005,"sentiment":"neutral","sentiment_score":0.17902021921980074},{"text":"So you've got about 70% growth assets wanting to make sure you're getting good growth and returns out of your portfolio, but then 30% in those defensive assets and making sure that you are also protecting your capital and, you know, having some of those low risk investments as well.","start":318.005,"end":333.50998,"sentiment":"positive","sentiment_score":0.33617333859205245},{"text":"Does that make sense?","start":333.50998,"end":334.31,"sentiment":"neutral","sentiment_score":0.26218943297863007},{"text":"Does that still feel fairly comfortable for where you're at?","start":334.31,"end":336.81,"sentiment":"neutral","sentiment_score":0.26162432283163073}],"sentiment":"neutral","sentiment_score":0.2683934414974199,"num_words":104,"start":305.97,"end":336.81},{"sentences":[{"text":"Yep.","start":338.31,"end":338.71,"sentiment":"positive","sentiment_score":0.3404960334300995},{"text":"Beautiful.","start":338.71,"end":339.21,"sentiment":"positive","sentiment_score":0.6457353830337524},{"text":"Now having a look because then along has been underperforming pretty significantly here, we had a good look at the capital gains consequences because your super fund, like you, does a tax return every year, and there are taxes involved with buying and selling investments.","start":339.75,"end":352.865,"sentiment":"neutral","sentiment_score":0.15311583073602783},{"text":"Your super fund will have no CGT consequences there, so that is a benefit for you.","start":353.725,"end":358.465,"sentiment":"positive","sentiment_score":0.4276673858985305},{"text":"And by making the switch, the investment fees are expected to reduce by $243 per year.","start":358.685,"end":364.94998,"sentiment":"neutral","sentiment_score":0.24412511801347136}],"sentiment":"neutral","sentiment_score":0.235761061546546,"num_words":79,"start":338.31,"end":364.94998},{"sentences":[{"text":"So that is sorry.","start":364.94998,"end":366.81,"sentiment":"neutral","sentiment_score":-0.1741341296583414},{"text":"That is also another benefit for you.","start":367.35,"end":369.43,"sentiment":"neutral","sentiment_score":0.09233409592083522},{"text":"Okay?","start":369.43,"end":369.93,"sentiment":"neutral","sentiment_score":0.1268019825220108},{"text":"We also noted that the five year rolling average, when we compare your current portfolio with the recommended, the newer portfolio has has seen a greater past sorry, greater past performance.","start":371.75,"end":384.47498,"sentiment":"neutral","sentiment_score":0.18911880519120924},{"text":"So when we project that forward over the next sort of five to eight years towards your goal of accessing super at 67, we can see this portfolio as long as it performs the same way, putting you in a much greater position, which is a benefit as well.","start":384.47498,"end":397.38998,"sentiment":"positive","sentiment_score":0.44536491316192006}],"sentiment":"neutral","sentiment_score":0.30176269392604416,"num_words":92,"start":364.94998,"end":397.38998},{"sentences":[{"text":"Okay?","start":397.38998,"end":397.88998,"sentiment":"neutral","sentiment_score":0.1520850956439972},{"text":"I did sort of have a look at projecting to age 67 just to see where we were tracking there, having a bit of a look based on your current circumstances.","start":399.78998,"end":407.025,"sentiment":"neutral","sentiment_score":0.12314877238485121},{"text":"We also wanted to look at whether you were gonna be eligible for age pension there.","start":407.565,"end":411.505,"sentiment":"neutral","sentiment_score":0.14385180501267314},{"text":"Having a look at your circumstances, you should have no problem with that getting some age pension and then supplementing some of your super.","start":411.725,"end":418.545,"sentiment":"positive","sentiment_score":0.38020671904087067},{"text":"We are sort of looking at trying to get an income of about $1,000 per week in retirement there.","start":419.06,"end":424.84,"sentiment":"neutral","sentiment_score":0.1755012046349676}],"sentiment":"neutral","sentiment_score":0.20583307763541137,"num_words":91,"start":397.38998,"end":424.84},{"sentences":[{"text":"Having a look at where we are projected, it looks like at the moment, we are a little bit under projected.","start":425.13998,"end":429.8,"sentiment":"neutral","sentiment_score":0.007076479494571686},{"text":"So we're able to average at the moment, an income per year is about $43,001.63.","start":429.86,"end":436.035,"sentiment":"neutral","sentiment_score":0.18537849883238475},{"text":"So it is essentially 8,000 less than your target income there.","start":436.035,"end":439.975,"sentiment":"neutral","sentiment_score":0.06300338086756793},{"text":"But moving forward, we can look at other areas and other, you know, other advice around additional contributions, maybe looking at putting some more into super.","start":440.355,"end":450.19,"sentiment":"neutral","sentiment_score":0.06475832155690743},{"text":"When you turn 60, look at other strategies like that transfer retirement strategy as well.","start":450.19,"end":455.15,"sentiment":"neutral","sentiment_score":0.07113260750969251}],"sentiment":"neutral","sentiment_score":0.0724207524379546,"num_words":88,"start":425.13998,"end":455.15},{"sentences":[{"text":"So you can increase your contributions in, and we try to pull a little bit out to, you know, even at your income as well as making more contributions to super there.","start":455.15,"end":464.395,"sentiment":"neutral","sentiment_score":0.11107585148420185},{"text":"But all these strategies do sort of have to be factored in a bit more down the track.","start":464.395,"end":468.97498,"sentiment":"neutral","sentiment_score":0.025262169332967863},{"text":"At the moment, you weren't able to sort of make any more additional contributions to super over and above what you are.","start":469.275,"end":475.455,"sentiment":"neutral","sentiment_score":-0.02335330606861548},{"text":"Your mortgage is important to pay down there as well.","start":475.72,"end":478.7,"sentiment":"neutral","sentiment_score":-0.010833538696169853},{"text":"And then also just making sure that, you know, things are working harder for you.","start":479.16,"end":483.4,"sentiment":"neutral","sentiment_score":0.01642316853006681}],"sentiment":"neutral","sentiment_score":0.03745758456667674,"num_words":97,"start":455.15,"end":483.4},{"sentences":[{"text":"So we'll start by just doing the investment switch for you, then we'll sort of track forward and look at how the performance is, how everything's going over the next sort of six to twelve months, and then look at whether there's any new strategies we can put in place to help boost this super moving forward.","start":483.4,"end":498.395,"sentiment":"neutral","sentiment_score":0.13748099079780413},{"text":"Does that sound okay?","start":498.395,"end":499.615,"sentiment":"neutral","sentiment_score":0.17774497345089912},{"text":"Yep.","start":501.37003,"end":501.77002,"sentiment":"neutral","sentiment_score":0.17133180797100067},{"text":"Beautiful.","start":501.77002,"end":502.27002,"sentiment":"positive","sentiment_score":0.41492509841918945},{"text":"Do you have any questions at the moment?","start":502.33002,"end":503.93002,"sentiment":"neutral","sentiment_score":0.10497486125677824}],"sentiment":"neutral","sentiment_score":0.14047115726370207,"num_words":71,"start":483.4,"end":503.93002},{"sentences":[{"text":"Try not to overcomplicate those investments switches.","start":503.93002,"end":507.15002,"sentiment":"neutral","sentiment_score":-0.03705350761967046},{"text":"Is there anything you wanted to kinda ask?","start":507.45,"end":509.61002,"sentiment":"neutral","sentiment_score":0.020847023464739323},{"text":"Yeah.","start":509.61002,"end":510.11002,"sentiment":"neutral","sentiment_score":0.08328032493591309},{"text":"I mean, at the end of the day, making sure that the investments are working harder and investments that you were in when you first came on board or even last year do need to be updated on a regular basis, and the investments in what you in now might need to be changed in the future there as well.","start":510.17,"end":524.29504,"sentiment":"neutral","sentiment_score":0.06130520844211181},{"text":"So it's just about involving the advice and involving your strategy as we work towards your goals.","start":524.29504,"end":529.91504,"sentiment":"neutral","sentiment_score":0.14983198046684265}],"sentiment":"neutral","sentiment_score":0.06684019498687277,"num_words":93,"start":503.93002,"end":529.91504},{"sentences":[{"text":"And then as we get closer and closer, we'll look at other strategies to help boost your super and put you in a better position to give you the best possible retirement.","start":530.05505,"end":538.02,"sentiment":"neutral","sentiment_score":0.23839949909597635},{"text":"Yeah.","start":538.64,"end":538.96,"sentiment":"neutral","sentiment_score":0.2316407561302185},{"text":"How does that sound?","start":538.96,"end":539.94,"sentiment":"neutral","sentiment_score":0.2527720518410206},{"text":"Yeah.","start":542.0,"end":542.5,"sentiment":"neutral","sentiment_score":0.23786453902721405},{"text":"All good.","start":542.64,"end":543.46,"sentiment":"positive","sentiment_score":0.3382377177476883}],"sentiment":"neutral","sentiment_score":0.24464632272720338,"num_words":40,"start":530.05505,"end":543.46},{"sentences":[{"text":"Do you have any questions or anything?","start":543.83997,"end":545.86,"sentiment":"neutral","sentiment_score":0.09842579386063985},{"text":"Sorry?","start":546.725,"end":547.225,"sentiment":"neutral","sentiment_score":0.14288920164108276},{"text":"It does.","start":550.96497,"end":551.685,"sentiment":"neutral","sentiment_score":0.22648371011018753},{"text":"Doesn't it?","start":551.685,"end":552.485,"sentiment":"neutral","sentiment_score":0.12251310050487518},{"text":"It does.","start":552.485,"end":553.20496,"sentiment":"neutral","sentiment_score":0.14946245774626732}],"sentiment":"neutral","sentiment_score":0.130627735384873,"num_words":14,"start":543.83997,"end":553.20496},{"sentences":[{"text":"And look.","start":553.20496,"end":553.685,"sentiment":"neutral","sentiment_score":0.1678001657128334},{"text":"You're getting closer to it.","start":553.685,"end":555.38495,"sentiment":"neutral","sentiment_score":0.28739756643772124},{"text":"It absolutely is.","start":559.62,"end":561.06,"sentiment":"positive","sentiment_score":0.5194720228513082},{"text":"It is.","start":561.06,"end":561.54,"sentiment":"neutral","sentiment_score":0.24854716658592224},{"text":"I swear, as we get older, the years go faster and faster and faster.","start":561.54,"end":564.6,"sentiment":"neutral","sentiment_score":0.10050445954714503}],"sentiment":"neutral","sentiment_score":0.2013523461153874,"num_words":26,"start":553.20496,"end":564.6},{"sentences":[{"text":"But, no, honestly, look, you're 59 this year.","start":567.62,"end":570.02,"sentiment":"neutral","sentiment_score":-0.029934105463325977},{"text":"So, essentially, when you do hit that, yeah, so when you do hit sort of 60 and beyond, we can look at other strategies.","start":570.02,"end":577.895,"sentiment":"neutral","sentiment_score":0.037214220773118235},{"text":"You're not quite there yet, so we can't sort of factor in the TTR at the moment.","start":577.955,"end":581.815,"sentiment":"neutral","sentiment_score":-0.056229576030198264},{"text":"But when you do get to 60, we can factor in additional advice.","start":582.275,"end":585.635,"sentiment":"neutral","sentiment_score":0.10618812848742192},{"text":"As I kinda mentioned, the trends to your time strategy is great because it allows you to put more money into super, basically trying to maximize that your contributions caps as much as possible, but you're able to access a little bit of that money as well.","start":585.635,"end":599.18,"sentiment":"positive","sentiment_score":0.49196744409013304}],"sentiment":"neutral","sentiment_score":0.22202459821016143,"num_words":109,"start":567.62,"end":599.18},{"sentences":[{"text":"So you can draw down, keep your take home pay as close as possible to what you've got whilst increasing contributions then.","start":599.18,"end":606.935,"sentiment":"positive","sentiment_score":0.4412395534190265},{"text":"And that kinda works quite well, but not quite there yet.","start":607.315,"end":610.03503,"sentiment":"neutral","sentiment_score":0.17934485524892807},{"text":"You're only 59, so, you know, don't wanna push too hard and make you feel older than you actually are.","start":610.03503,"end":615.42,"sentiment":"neutral","sentiment_score":-0.007989309402182699},{"text":"Only for another month.","start":616.13995,"end":617.1,"sentiment":"neutral","sentiment_score":0.06421184353530407},{"text":"We'll enjoy.","start":617.1,"end":617.74,"sentiment":"positive","sentiment_score":0.47238533198833466}],"sentiment":"neutral","sentiment_score":0.2156253463225597,"num_words":59,"start":599.18,"end":617.74},{"sentences":[{"text":"Are you gonna do anything fun for your birthday?","start":617.74,"end":619.5,"sentiment":"positive","sentiment_score":0.3662053147951762},{"text":"Do you have anything planned at all?","start":619.5,"end":621.1,"sentiment":"neutral","sentiment_score":0.20358437299728394},{"text":"Or yeah.","start":621.1,"end":625.27997,"sentiment":"neutral","sentiment_score":0.09656310081481934},{"text":"You're gonna go out for dinner or do anything?","start":625.66,"end":627.68,"sentiment":"neutral","sentiment_score":0.010842888719505735},{"text":"No?","start":627.82,"end":628.3,"sentiment":"neutral","sentiment_score":-0.09037137031555176}],"sentiment":"neutral","sentiment_score":0.17575997406882898,"num_words":28,"start":617.74,"end":628.3},{"sentences":[{"text":"Not quite one.","start":628.3,"end":629.235,"sentiment":"neutral","sentiment_score":-0.18864708145459494},{"text":"No.","start":632.515,"end":632.915,"sentiment":"neutral","sentiment_score":-0.1032937839627266},{"text":"All good.","start":632.915,"end":633.39496,"sentiment":"neutral","sentiment_score":0.07213644310832024},{"text":"We'll we'll put this in place there for you if you're happy to go ahead with it.","start":633.39496,"end":636.595,"sentiment":"neutral","sentiment_score":0.24915776708546808},{"text":"We'll review it.","start":636.595,"end":637.235,"sentiment":"neutral","sentiment_score":0.15412916243076324}],"sentiment":"neutral","sentiment_score":0.16050413021674523,"num_words":26,"start":628.3,"end":637.235},{"sentences":[{"text":"Did you want me to review it in about six or twelve months with you?","start":637.235,"end":639.95496,"sentiment":"neutral","sentiment_score":0.07389966050783793},{"text":"What would you like to see moving forward?","start":639.95496,"end":641.975,"sentiment":"neutral","sentiment_score":0.08822958916425705},{"text":"Six months?","start":645.1,"end":645.9,"sentiment":"neutral","sentiment_score":0.1203564815223217},{"text":"Yeah.","start":645.9,"end":646.14,"sentiment":"positive","sentiment_score":0.41305994987487793},{"text":"Beautiful.","start":646.14,"end":646.64,"sentiment":"positive","sentiment_score":0.586288332939148}],"sentiment":"neutral","sentiment_score":0.11312566173297388,"num_words":27,"start":637.235,"end":646.64},{"sentences":[{"text":"And then we can have a bit of a look at what else we can do put in place, and how we can kind of boost your super there.","start":646.94,"end":652.46,"sentiment":"positive","sentiment_score":0.37993268822801524},{"text":"So you've realistically only got about, you know, seven and a half, not even not even quite eight years there before you're accessing your super at 67 and being able to apply for age pension.","start":652.46,"end":662.695,"sentiment":"neutral","sentiment_score":0.17744688125593322},{"text":"So we'll look at what we can do to kind of boost that in that time frame.","start":662.695,"end":665.915,"sentiment":"neutral","sentiment_score":0.08676445527988322},{"text":"Okay?","start":666.055,"end":666.555,"sentiment":"neutral","sentiment_score":0.07792837917804718},{"text":"All good.","start":667.895,"end":668.71497,"sentiment":"positive","sentiment_score":0.5001141428947449}],"sentiment":"neutral","sentiment_score":0.2354981096106626,"num_words":84,"start":646.94,"end":668.71497},{"sentences":[{"text":"All of our advice is updated for you because you're an ongoing service client.","start":669.29,"end":673.69,"sentiment":"neutral","sentiment_score":0.25071401574781965},{"text":"You do pay the ongoing service fee to our services there.","start":673.69,"end":676.41,"sentiment":"neutral","sentiment_score":0.13155627927996896},{"text":"It is 1.65% per annum.","start":676.41,"end":678.67,"sentiment":"neutral","sentiment_score":0.11230573654174805},{"text":"That's all being factored into the advice and the projections there as well.","start":678.88995,"end":682.485,"sentiment":"neutral","sentiment_score":0.20000457419798925},{"text":"There's no implementation costing for this advice.","start":682.64496,"end":685.605,"sentiment":"neutral","sentiment_score":0.1627097949385643}],"sentiment":"neutral","sentiment_score":0.18515344008803367,"num_words":50,"start":669.29,"end":685.605},{"sentences":[{"text":"It's all complimentary.","start":685.605,"end":686.505,"sentiment":"positive","sentiment_score":0.4241799016793569},{"text":"It's been a client of ours and making sure it's all working harder for you.","start":686.565,"end":690.02496,"sentiment":"neutral","sentiment_score":0.3023962726195653},{"text":"This is a nice, fairly simple document.","start":690.245,"end":692.165,"sentiment":"positive","sentiment_score":0.6168455992426191},{"text":"It's a bit of an investment switch in looking at the current outcome projected in retirement there at age 57 based on your current scenario.","start":692.165,"end":700.63995,"sentiment":"neutral","sentiment_score":0.22918457806110382},{"text":"But is there anything else that you kind of wanted to ask or needed me to sort of work on for you while you've got me here, or you're just sort of happy to take that and have a bit of a look at it?","start":700.77997,"end":710.145,"sentiment":"neutral","sentiment_score":0.18859730396005842}],"sentiment":"neutral","sentiment_score":0.2562410117764222,"num_words":95,"start":685.605,"end":710.145},{"sentences":[{"text":"Yeah.","start":713.42505,"end":713.825,"sentiment":"neutral","sentiment_score":0.27485689520835876},{"text":"Beautiful.","start":713.825,"end":714.305,"sentiment":"positive","sentiment_score":0.5207947492599487},{"text":"If you do find you have any questions, let me know.","start":714.305,"end":716.965,"sentiment":"neutral","sentiment_score":0.22961855747482993},{"text":"If you're happy just to take on those recommendations, I'll get you to sign the document, return it back, and we'll have that implemented nice and quickly.","start":717.10504,"end":723.92505,"sentiment":"positive","sentiment_score":0.3788974191303606},{"text":"It'll be good to get you out of that along that investment has been underperforming pretty significantly.","start":724.32,"end":729.22003,"sentiment":"neutral","sentiment_score":0.13216114131843343}],"sentiment":"neutral","sentiment_score":0.2771653595723604,"num_words":57,"start":713.42505,"end":729.22003},{"sentences":[{"text":"So moving you out of that and moving you into another portfolio that's been working better, we'll hopefully see that perform nicer and yeah.","start":729.44,"end":738.385,"sentiment":"neutral","sentiment_score":0.28207407395044964},{"text":"Hopefully, Marcus work in our favor this year.","start":738.385,"end":740.385,"sentiment":"positive","sentiment_score":0.40711288526654243},{"text":"It'd be nice if we saw some stability out of it instead of the ups and downs we're being all noticing.","start":740.385,"end":744.40497,"sentiment":"neutral","sentiment_score":0.20194328540847414},{"text":"All good.","start":748.6,"end":749.32,"sentiment":"neutral","sentiment_score":0.2598528265953064},{"text":"Well, that's basically everything I needed to go through with you.","start":749.32,"end":752.62,"sentiment":"neutral","sentiment_score":0.11826172200116244}],"sentiment":"neutral","sentiment_score":0.2437587037230983,"num_words":66,"start":729.44,"end":752.62},{"sentences":[{"text":"I'll let you go.","start":753.0,"end":753.88,"sentiment":"neutral","sentiment_score":0.12722942605614662},{"text":"Have a bit of a read through that one, and then do let me know if you do happen to have the additional questions.","start":753.88,"end":758.2,"sentiment":"neutral","sentiment_score":0.13931720424443483},{"text":"We've outlined the advantages, disadvantages, and the risks involved in there for you as well.","start":758.2,"end":762.6,"sentiment":"neutral","sentiment_score":0.1167537206163009},{"text":"Okay?","start":762.6,"end":763.1,"sentiment":"neutral","sentiment_score":0.11320339143276216},{"text":"Easy.","start":766.02496,"end":766.425,"sentiment":"neutral","sentiment_score":0.2532302737236023}],"sentiment":"neutral","sentiment_score":0.13267266845537556,"num_words":45,"start":753.0,"end":766.425},{"sentences":[{"text":"Give me a call if you do have any questions or concerns there, Doug.","start":766.425,"end":769.385,"sentiment":"neutral","sentiment_score":0.16134759624089515},{"text":"But you have a good afternoon.","start":769.385,"end":771.005,"sentiment":"positive","sentiment_score":0.4111091420054436},{"text":"Are you finished now, or you got a bit more work to do?","start":771.225,"end":773.725,"sentiment":"neutral","sentiment_score":-0.06124055901399025},{"text":"Yeah.","start":776.44,"end":776.94,"sentiment":"neutral","sentiment_score":0.1755596548318863},{"text":"Yeah.","start":778.12,"end":778.44,"sentiment":"neutral","sentiment_score":0.31295889616012573}],"sentiment":"neutral","sentiment_score":0.12622607094900948,"num_words":35,"start":766.425,"end":778.44},{"sentences":[{"text":"Beautiful.","start":778.44,"end":778.94,"sentiment":"positive","sentiment_score":0.7380056381225586},{"text":"Well, you enjoy that.","start":779.4,"end":780.68,"sentiment":"positive","sentiment_score":0.657628670334816},{"text":"Have a good day, and I'll talk to you very soon.","start":780.68,"end":782.94,"sentiment":"positive","sentiment_score":0.5794432894750075},{"text":"Thanks for your time.","start":785.0,"end":785.96,"sentiment":"positive","sentiment_score":0.7659211307764053},{"text":"See you later.","start":785.96,"end":786.76,"sentiment":"positive","sentiment_score":0.5785779158274332}],"sentiment":"positive","sentiment_score":0.6322528162728185,"num_words":23,"start":778.44,"end":786.76},{"sentences":[{"text":"Bye.","start":786.76,"end":787.26,"sentiment":"neutral","sentiment_score":0.2726636826992035}],"sentiment":"neutral","sentiment_score":0.2726636826992035,"num_words":1,"start":786.76,"end":787.26}]}}]},{"alternatives":[{"transcript":"Finally. I've been busy. Well, I'm sitting on a tractor and I can't I've been here a tractor and I can't hear anything. No. I don't. Yep. Yep. Yep. Yep. Yep. They are fantastic too. I am fantastic too. I've I've got a property. Mortgage property. Yeah. Yeah. It'd be nice. Bit more volume. Be good. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. See, I'm pretty straightforward. Sounds pretty good. Retirement sounds good. Retirement sounds good. Yep. It's going quicker and quicker, I tell you. I certainly do. I'm 60 this year. Yep. Only for only for another month. I had to call the bees in the backyard. Not quite. No. Couldn't be bothered. Yeah. Six months will be good. Yep. Just take it and have a look at it. Yep. Yeah. True. Yep. No drums. I got a bit more work to do. Not a bad idea. Alright. Thank you. Bye bye.","confidence":0.9770508,"words":[{"word":"finally","start":0.88,"end":1.38,"confidence":0.7414551,"punctuated_word":"Finally.","sentiment":"neutral","sentiment_score":0.07539704442024231},{"word":"i've","start":11.36,"end":11.679999,"confidence":0.828125,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.15079614520072937},{"word":"been","start":11.679999,"end":11.92,"confidence":0.9716797,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.11375359445810318},{"word":"busy","start":11.92,"end":12.24,"confidence":0.5900879,"punctuated_word":"busy.","sentiment":"neutral","sentiment_score":-0.08008089661598206},{"word":"well","start":12.24,"end":12.4,"confidence":0.97998047,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.18344217538833615},{"word":"i'm","start":12.4,"end":12.559999,"confidence":0.9812012,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2432190626859665},{"word":"sitting","start":12.559999,"end":12.799999,"confidence":0.9970703,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.22446252405643463},{"word":"on","start":12.799999,"end":12.96,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2455093413591385},{"word":"a","start":12.96,"end":13.04,"confidence":0.8720703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.26052820682525635},{"word":"tractor","start":13.04,"end":13.36,"confidence":0.99902344,"punctuated_word":"tractor","sentiment":"neutral","sentiment_score":-0.17647592723369598},{"word":"and","start":13.36,"end":13.5199995,"confidence":0.4645996,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2074218988418579},{"word":"i","start":13.5199995,"end":13.599999,"confidence":0.92333984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3256012499332428},{"word":"can't","start":13.599999,"end":13.759999,"confidence":0.9790039,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.2997967004776001},{"word":"i've","start":13.84,"end":14.0,"confidence":0.6229248,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2977485656738281},{"word":"been","start":14.0,"end":14.16,"confidence":0.7578125,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2455839961767197},{"word":"here","start":14.16,"end":14.28,"confidence":0.41088867,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.2824879288673401},{"word":"a","start":14.28,"end":14.4,"confidence":0.8745117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2676045894622803},{"word":"tractor","start":14.4,"end":14.719999,"confidence":0.9951172,"punctuated_word":"tractor","sentiment":"neutral","sentiment_score":-0.21817773580551147},{"word":"and","start":14.719999,"end":14.88,"confidence":0.7402344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2444653213024139},{"word":"i","start":14.88,"end":14.96,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.341958224773407},{"word":"can't","start":14.96,"end":15.375,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.3199680745601654},{"word":"hear","start":15.375,"end":15.855,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.24447304010391235},{"word":"anything","start":15.855,"end":16.355,"confidence":0.97314453,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.2569650113582611},{"word":"no","start":25.215,"end":25.535,"confidence":0.9550781,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1236664280295372},{"word":"i","start":25.535,"end":25.615,"confidence":0.96777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14118178188800812},{"word":"don't","start":25.615,"end":26.115,"confidence":0.99869794,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.09117434918880464},{"word":"yep","start":49.875,"end":50.195,"confidence":0.9760742,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1509419083595276},{"word":"yep","start":50.195,"end":50.695,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23974665999412537},{"word":"yep","start":62.15,"end":62.39,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10739468783140182},{"word":"yep","start":62.39,"end":62.89,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15321055054664612},{"word":"yep","start":82.995,"end":83.46,"confidence":0.9291992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0716405063867569},{"word":"they","start":95.14,"end":95.3,"confidence":0.6899414,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.6760381460189819},{"word":"are","start":95.3,"end":95.54,"confidence":0.9980469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.7067446708679199},{"word":"fantastic","start":95.54,"end":96.04,"confidence":0.99902344,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.7513465285301208},{"word":"too","start":96.18,"end":96.68,"confidence":0.9812012,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5917279720306396},{"word":"i","start":99.075,"end":99.395004,"confidence":0.96533203,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35964828729629517},{"word":"am","start":99.395004,"end":99.555,"confidence":0.96972656,"punctuated_word":"am","sentiment":"positive","sentiment_score":0.4423525333404541},{"word":"fantastic","start":99.555,"end":100.055,"confidence":0.99902344,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.5532359480857849},{"word":"too","start":100.275,"end":100.775,"confidence":0.9980469,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.07253868877887726},{"word":"i've","start":129.075,"end":129.39499,"confidence":0.80249023,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.029807453975081444},{"word":"i've","start":129.39499,"end":129.715,"confidence":0.74658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.028327442705631256},{"word":"got","start":129.715,"end":129.955,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02452030219137669},{"word":"a","start":129.955,"end":130.115,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011367796920239924},{"word":"property","start":130.115,"end":130.615,"confidence":0.72875977,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.00874781422317028},{"word":"mortgage","start":131.715,"end":132.195,"confidence":0.98095703,"punctuated_word":"Mortgage","sentiment":"neutral","sentiment_score":-0.0032887011766433716},{"word":"property","start":132.195,"end":132.695,"confidence":0.9995117,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.0030792797915637493},{"word":"yeah","start":137.155,"end":137.655,"confidence":0.9770508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007729382254183292},{"word":"yeah","start":137.90001,"end":138.22,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028647949919104576},{"word":"it'd","start":138.22,"end":138.3,"confidence":0.9555664,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":0.1891402006149292},{"word":"be","start":138.3,"end":138.8,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18261347711086273},{"word":"nice","start":142.14001,"end":142.64001,"confidence":0.99853516,"punctuated_word":"nice.","sentiment":"neutral","sentiment_score":-0.011928234249353409},{"word":"bit","start":144.38,"end":144.62001,"confidence":0.38720703,"punctuated_word":"Bit","sentiment":"neutral","sentiment_score":-0.10178974270820618},{"word":"more","start":144.62001,"end":144.86,"confidence":0.98828125,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0911502167582512},{"word":"volume","start":144.86,"end":145.26001,"confidence":0.6599121,"punctuated_word":"volume.","sentiment":"neutral","sentiment_score":-0.12358976900577544},{"word":"be","start":145.26001,"end":145.42001,"confidence":0.7324219,"punctuated_word":"Be","sentiment":"neutral","sentiment_score":0.08783986419439316},{"word":"good","start":145.42001,"end":145.92001,"confidence":0.9916992,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.07286585122346878},{"word":"yep","start":150.635,"end":151.135,"confidence":0.9550781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02458566054701805},{"word":"yep","start":160.795,"end":161.11499,"confidence":0.80566406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.005459686275571585},{"word":"yep","start":161.11499,"end":161.61499,"confidence":0.81152344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.032146237790584564},{"word":"yep","start":196.65,"end":197.15,"confidence":0.83203125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11517836153507233},{"word":"yep","start":252.79999,"end":253.29999,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21128308773040771},{"word":"yep","start":304.27502,"end":304.595,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12778306007385254},{"word":"yep","start":304.595,"end":305.095,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16032329201698303},{"word":"yep","start":337.26498,"end":337.76498,"confidence":0.8183594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22582922875881195},{"word":"yep","start":370.83,"end":371.33,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18972592055797577},{"word":"yep","start":398.69998,"end":399.19998,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17609724402427673},{"word":"yep","start":500.285,"end":500.785,"confidence":0.9609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11344482004642488},{"word":"no","start":507.03,"end":507.43,"confidence":0.95581055,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02616880275309086},{"word":"see","start":507.43,"end":507.51,"confidence":0.83081055,"punctuated_word":"See,","sentiment":"neutral","sentiment_score":-0.005197184160351753},{"word":"i'm","start":507.51,"end":507.75,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.012082628905773165},{"word":"pretty","start":507.75,"end":507.91,"confidence":0.9892578,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.034514814615249634},{"word":"straightforward","start":507.91,"end":508.41,"confidence":0.9785156,"punctuated_word":"straightforward.","sentiment":"neutral","sentiment_score":-0.003082137554883957},{"word":"sounds","start":540.49,"end":540.73,"confidence":0.94628906,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.6069939732551575},{"word":"pretty","start":540.73,"end":541.05,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.628742516040802},{"word":"good","start":541.05,"end":541.55,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4952888488769531},{"word":"retirement","start":544.65,"end":545.15,"confidence":0.9921875,"punctuated_word":"Retirement","sentiment":"neutral","sentiment_score":0.09127973020076752},{"word":"sounds","start":545.21,"end":545.53,"confidence":0.9614258,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.0475432313978672},{"word":"good","start":545.53,"end":546.03,"confidence":0.9904785,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.144196018576622},{"word":"retirement","start":549.255,"end":549.755,"confidence":0.99902344,"punctuated_word":"Retirement","sentiment":"neutral","sentiment_score":0.24599558115005493},{"word":"sounds","start":549.895,"end":550.135,"confidence":0.97265625,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.42385685443878174},{"word":"good","start":550.135,"end":550.635,"confidence":0.99609375,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3311716318130493},{"word":"yep","start":552.85504,"end":553.35504,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17145535349845886},{"word":"it's","start":557.015,"end":557.335,"confidence":0.9296875,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.374631941318512},{"word":"going","start":557.335,"end":557.655,"confidence":0.9658203,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4680352807044983},{"word":"quicker","start":557.655,"end":557.97504,"confidence":0.9980469,"punctuated_word":"quicker","sentiment":"positive","sentiment_score":0.4835565686225891},{"word":"and","start":557.97504,"end":558.135,"confidence":0.99609375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4174693822860718},{"word":"quicker","start":558.135,"end":558.455,"confidence":0.78564453,"punctuated_word":"quicker,","sentiment":"positive","sentiment_score":0.4582394659519195},{"word":"i","start":558.455,"end":558.53503,"confidence":0.9536133,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5150011777877808},{"word":"tell","start":558.53503,"end":558.775,"confidence":0.40893555,"punctuated_word":"tell","sentiment":"positive","sentiment_score":0.4367839694023132},{"word":"you","start":558.775,"end":559.275,"confidence":0.9736328,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3809164762496948},{"word":"i","start":565.03,"end":565.27,"confidence":0.95947266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.31271255016326904},{"word":"certainly","start":565.27,"end":565.67004,"confidence":0.9970703,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":0.32534024119377136},{"word":"do","start":565.67004,"end":566.17004,"confidence":1.0,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.2052476704120636},{"word":"i'm","start":571.67004,"end":571.83,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.025173738598823547},{"word":"60","start":571.83,"end":572.31006,"confidence":0.99902344,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.02957246825098991},{"word":"this","start":572.31006,"end":572.63,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.004351727664470673},{"word":"year","start":572.63,"end":573.13,"confidence":0.98828125,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.0059142448008060455},{"word":"yep","start":582.505,"end":583.005,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06450894474983215},{"word":"only","start":613.35504,"end":613.67505,"confidence":0.86621094,"punctuated_word":"Only","sentiment":"neutral","sentiment_score":-0.0467793382704258},{"word":"for","start":613.67505,"end":614.155,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.018823564052581787},{"word":"only","start":614.155,"end":614.55505,"confidence":0.921875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.016268528997898102},{"word":"for","start":614.55505,"end":614.715,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04157556593418121},{"word":"another","start":614.715,"end":615.11505,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.028089523315429688},{"word":"month","start":615.11505,"end":615.61505,"confidence":0.9951172,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.019273366779088977},{"word":"i","start":622.21,"end":622.37,"confidence":0.4345703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11814632266759872},{"word":"had","start":622.37,"end":622.52997,"confidence":0.33911133,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.10796070098876952},{"word":"to","start":622.52997,"end":622.61,"confidence":0.3244629,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1610715538263321},{"word":"call","start":622.61,"end":622.85,"confidence":0.5673828,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.13182710111141205},{"word":"the","start":622.85,"end":622.93,"confidence":0.8520508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1608963906764984},{"word":"bees","start":622.93,"end":623.17,"confidence":0.8413086,"punctuated_word":"bees","sentiment":"neutral","sentiment_score":0.1540600061416626},{"word":"in","start":623.17,"end":623.25,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15115101635456085},{"word":"the","start":623.25,"end":623.33,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18356943130493164},{"word":"backyard","start":623.33,"end":623.83,"confidence":0.97680664,"punctuated_word":"backyard.","sentiment":"neutral","sentiment_score":0.17071083188056946},{"word":"not","start":626.45,"end":626.69,"confidence":0.3232422,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.012692272663116457},{"word":"quite","start":626.69,"end":627.19,"confidence":0.7541504,"punctuated_word":"quite.","sentiment":"neutral","sentiment_score":-0.07921715080738068},{"word":"no","start":629.01,"end":629.51,"confidence":0.8149414,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.24831590056419373},{"word":"couldn't","start":629.57,"end":629.97,"confidence":0.9399414,"punctuated_word":"Couldn't","sentiment":"neutral","sentiment_score":-0.250492662191391},{"word":"be","start":629.97,"end":630.13,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.24659377336502075},{"word":"bothered","start":630.13,"end":630.63,"confidence":0.9995117,"punctuated_word":"bothered.","sentiment":"neutral","sentiment_score":-0.26120826601982117},{"word":"yeah","start":642.715,"end":643.215,"confidence":0.70007324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1595388650894165},{"word":"six","start":643.275,"end":643.515,"confidence":0.9970703,"punctuated_word":"Six","sentiment":"neutral","sentiment_score":0.15391983091831207},{"word":"months","start":643.515,"end":643.755,"confidence":0.9902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.17615848779678345},{"word":"will","start":643.755,"end":643.995,"confidence":0.71435547,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.31082263588905334},{"word":"be","start":643.995,"end":644.155,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2859504520893097},{"word":"good","start":644.155,"end":644.655,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2730063796043396},{"word":"yep","start":666.58496,"end":667.08496,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21120016276836395},{"word":"just","start":710.935,"end":711.335,"confidence":0.41430664,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1304520219564438},{"word":"take","start":711.335,"end":711.655,"confidence":0.43310547,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.16101233661174774},{"word":"it","start":711.655,"end":711.73505,"confidence":0.9013672,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20910537242889404},{"word":"and","start":711.73505,"end":711.815,"confidence":0.9140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13844624161720276},{"word":"have","start":711.815,"end":711.93506,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1401781290769577},{"word":"a","start":711.93506,"end":712.05505,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17071795463562012},{"word":"look","start":712.05505,"end":712.29504,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16776955127716064},{"word":"at","start":712.29504,"end":712.375,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21667690575122833},{"word":"it","start":712.375,"end":712.875,"confidence":0.9851074,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.18058785796165464},{"word":"yep","start":730.08,"end":730.58,"confidence":0.83032227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1986905038356781},{"word":"yeah","start":745.435,"end":745.675,"confidence":0.60162354,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1454479992389679},{"word":"true","start":745.675,"end":746.175,"confidence":0.6990967,"punctuated_word":"True.","sentiment":"neutral","sentiment_score":0.20176738500595093},{"word":"yep","start":764.055,"end":764.175,"confidence":0.85717773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11155837774276732},{"word":"no","start":764.175,"end":764.295,"confidence":0.95166016,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.08282577991485596},{"word":"drums","start":764.295,"end":764.795,"confidence":0.9814453,"punctuated_word":"drums.","sentiment":"neutral","sentiment_score":0.13202399015426636},{"word":"i","start":774.21497,"end":774.375,"confidence":0.6147461,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.036132097244262695},{"word":"got","start":774.375,"end":774.535,"confidence":0.9194336,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.07468567788600922},{"word":"a","start":774.535,"end":774.615,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0520511195063591},{"word":"bit","start":774.615,"end":774.77496,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06407783925533295},{"word":"more","start":774.77496,"end":775.01495,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03749632090330124},{"word":"work","start":775.01495,"end":775.255,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.009501785039901732},{"word":"to","start":775.255,"end":775.415,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05344659090042114},{"word":"do","start":775.415,"end":775.915,"confidence":0.96533203,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.03693139553070069},{"word":"not","start":776.09,"end":776.17,"confidence":0.45703125,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.2227056622505188},{"word":"a","start":776.17,"end":776.41003,"confidence":0.5859375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0512988418340683},{"word":"bad","start":776.41003,"end":776.91003,"confidence":0.25708008,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.0465976744890213},{"word":"idea","start":780.17,"end":780.67,"confidence":0.70422363,"punctuated_word":"idea.","sentiment":"positive","sentiment_score":0.7358274459838867},{"word":"alright","start":783.53,"end":784.01,"confidence":0.9921875,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4219253957271576},{"word":"thank","start":784.01,"end":784.17,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7692693471908569},{"word":"you","start":784.17,"end":784.67,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6927529573440552},{"word":"bye","start":787.37,"end":787.53,"confidence":0.9838867,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.14500007033348083},{"word":"bye","start":787.53,"end":788.03,"confidence":0.98950195,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":-0.1322975754737854}],"paragraphs":{"transcript":"\nFinally. I've been busy. Well, I'm sitting on a tractor and I can't I've been here a tractor and I can't hear anything. No. I don't.\n\nYep. Yep. Yep. Yep. Yep.\n\nThey are fantastic too. I am fantastic too. I've I've got a property. Mortgage property. Yeah.\n\nYeah. It'd be nice. Bit more volume. Be good. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo. See, I'm pretty straightforward. Sounds pretty good. Retirement sounds good. Retirement sounds good.\n\nYep. It's going quicker and quicker, I tell you. I certainly do. I'm 60 this year. Yep.\n\nOnly for only for another month. I had to call the bees in the backyard. Not quite. No. Couldn't be bothered.\n\nYeah. Six months will be good. Yep. Just take it and have a look at it. Yep.\n\nYeah. True. Yep. No drums. I got a bit more work to do.\n\nNot a bad idea. Alright. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Finally.","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.07539704442024231},{"text":"I've been busy.","start":11.36,"end":12.24,"sentiment":"neutral","sentiment_score":-0.11487687875827153},{"text":"Well, I'm sitting on a tractor and I can't I've been here a tractor and I can't hear anything.","start":12.24,"end":16.355,"sentiment":"neutral","sentiment_score":-0.2571520828887036},{"text":"No.","start":25.215,"end":25.535,"sentiment":"neutral","sentiment_score":-0.1236664280295372},{"text":"I don't.","start":25.535,"end":26.115,"sentiment":"neutral","sentiment_score":-0.11617806553840637}],"sentiment":"neutral","sentiment_score":-0.2119671433017804,"num_words":26,"start":0.88,"end":26.115},{"sentences":[{"text":"Yep.","start":49.875,"end":50.195,"sentiment":"neutral","sentiment_score":0.1509419083595276},{"text":"Yep.","start":50.195,"end":50.695,"sentiment":"neutral","sentiment_score":0.23974665999412537},{"text":"Yep.","start":62.15,"end":62.39,"sentiment":"neutral","sentiment_score":0.10739468783140182},{"text":"Yep.","start":62.39,"end":62.89,"sentiment":"neutral","sentiment_score":0.15321055054664612},{"text":"Yep.","start":82.995,"end":83.46,"sentiment":"neutral","sentiment_score":0.0716405063867569}],"sentiment":"neutral","sentiment_score":0.14458686262369155,"num_words":5,"start":49.875,"end":83.46},{"sentences":[{"text":"They are fantastic too.","start":95.14,"end":96.68,"sentiment":"positive","sentiment_score":0.6814643293619156},{"text":"I am fantastic too.","start":99.075,"end":100.775,"sentiment":"positive","sentiment_score":0.35694386437535286},{"text":"I've I've got a property.","start":129.075,"end":130.615,"sentiment":"neutral","sentiment_score":-0.020554162003099917},{"text":"Mortgage property.","start":131.715,"end":132.695,"sentiment":"neutral","sentiment_score":-0.0031839904841035604},{"text":"Yeah.","start":137.155,"end":137.655,"sentiment":"neutral","sentiment_score":0.007729382254183292}],"sentiment":"neutral","sentiment_score":0.2532639603887219,"num_words":16,"start":95.14,"end":137.655},{"sentences":[{"text":"Yeah.","start":137.90001,"end":138.22,"sentiment":"neutral","sentiment_score":0.028647949919104576},{"text":"It'd be nice.","start":138.22,"end":142.64001,"sentiment":"neutral","sentiment_score":0.11994181449214618},{"text":"Bit more volume.","start":144.38,"end":145.26001,"sentiment":"neutral","sentiment_score":-0.10550990949074428},{"text":"Be good.","start":145.26001,"end":145.92001,"sentiment":"neutral","sentiment_score":0.08035285770893097},{"text":"Yep.","start":150.635,"end":151.135,"sentiment":"neutral","sentiment_score":-0.02458566054701805}],"sentiment":"neutral","sentiment_score":0.020806371979415417,"num_words":10,"start":137.90001,"end":151.135},{"sentences":[{"text":"Yep.","start":160.795,"end":161.11499,"sentiment":"neutral","sentiment_score":-0.005459686275571585},{"text":"Yep.","start":161.11499,"end":161.61499,"sentiment":"neutral","sentiment_score":-0.032146237790584564},{"text":"Yep.","start":196.65,"end":197.15,"sentiment":"neutral","sentiment_score":0.11517836153507233},{"text":"Yep.","start":252.79999,"end":253.29999,"sentiment":"neutral","sentiment_score":0.21128308773040771},{"text":"Yep.","start":304.27502,"end":304.595,"sentiment":"neutral","sentiment_score":0.12778306007385254}],"sentiment":"neutral","sentiment_score":0.08332771705463529,"num_words":5,"start":160.795,"end":304.595},{"sentences":[{"text":"Yep.","start":304.595,"end":305.095,"sentiment":"neutral","sentiment_score":0.16032329201698303},{"text":"Yep.","start":337.26498,"end":337.76498,"sentiment":"neutral","sentiment_score":0.22582922875881195},{"text":"Yep.","start":370.83,"end":371.33,"sentiment":"neutral","sentiment_score":0.18972592055797577},{"text":"Yep.","start":398.69998,"end":399.19998,"sentiment":"neutral","sentiment_score":0.17609724402427673},{"text":"Yep.","start":500.285,"end":500.785,"sentiment":"neutral","sentiment_score":0.11344482004642488}],"sentiment":"neutral","sentiment_score":0.17308410108089448,"num_words":5,"start":304.595,"end":500.785},{"sentences":[{"text":"No.","start":507.03,"end":507.43,"sentiment":"neutral","sentiment_score":-0.02616880275309086},{"text":"See, I'm pretty straightforward.","start":507.43,"end":508.41,"sentiment":"neutral","sentiment_score":0.009579530451446772},{"text":"Sounds pretty good.","start":540.49,"end":541.55,"sentiment":"positive","sentiment_score":0.5770084460576376},{"text":"Retirement sounds good.","start":544.65,"end":546.03,"sentiment":"neutral","sentiment_score":0.09433966005841891},{"text":"Retirement sounds good.","start":549.255,"end":550.635,"sentiment":"positive","sentiment_score":0.333674689133962}],"sentiment":"neutral","sentiment_score":0.2162298360573394,"num_words":14,"start":507.03,"end":550.635},{"sentences":[{"text":"Yep.","start":552.85504,"end":553.35504,"sentiment":"neutral","sentiment_score":0.17145535349845886},{"text":"It's going quicker and quicker, I tell you.","start":557.015,"end":559.275,"sentiment":"positive","sentiment_score":0.44182928279042244},{"text":"I certainly do.","start":565.03,"end":566.17004,"sentiment":"neutral","sentiment_score":0.28110015392303467},{"text":"I'm 60 this year.","start":571.67004,"end":573.13,"sentiment":"neutral","sentiment_score":0.016253044828772545},{"text":"Yep.","start":582.505,"end":583.005,"sentiment":"neutral","sentiment_score":0.06450894474983215}],"sentiment":"neutral","sentiment_score":0.2752300706856391,"num_words":17,"start":552.85504,"end":583.005},{"sentences":[{"text":"Only for only for another month.","start":613.35504,"end":615.61505,"sentiment":"neutral","sentiment_score":0.007452358802159627},{"text":"I had to call the bees in the backyard.","start":622.21,"end":623.83,"sentiment":"neutral","sentiment_score":0.14882148388359281},{"text":"Not quite.","start":626.45,"end":627.19,"sentiment":"neutral","sentiment_score":-0.045954711735248566},{"text":"No.","start":629.01,"end":629.51,"sentiment":"neutral","sentiment_score":-0.24831590056419373},{"text":"Couldn't be bothered.","start":629.57,"end":630.63,"sentiment":"neutral","sentiment_score":-0.25276490052541095}],"sentiment":"neutral","sentiment_score":0.013599403912112826,"num_words":21,"start":613.35504,"end":630.63},{"sentences":[{"text":"Yeah.","start":642.715,"end":643.215,"sentiment":"neutral","sentiment_score":0.1595388650894165},{"text":"Six months will be good.","start":643.275,"end":644.655,"sentiment":"neutral","sentiment_score":0.23997155725955963},{"text":"Yep.","start":666.58496,"end":667.08496,"sentiment":"neutral","sentiment_score":0.21120016276836395},{"text":"Just take it and have a look at it.","start":710.935,"end":712.875,"sentiment":"neutral","sentiment_score":0.16832737459076774},{"text":"Yep.","start":730.08,"end":730.58,"sentiment":"neutral","sentiment_score":0.1986905038356781}],"sentiment":"neutral","sentiment_score":0.19319021701812744,"num_words":17,"start":642.715,"end":730.58},{"sentences":[{"text":"Yeah.","start":745.435,"end":745.675,"sentiment":"neutral","sentiment_score":0.1454479992389679},{"text":"True.","start":745.675,"end":746.175,"sentiment":"neutral","sentiment_score":0.20176738500595093},{"text":"Yep.","start":764.055,"end":764.175,"sentiment":"neutral","sentiment_score":0.11155837774276732},{"text":"No drums.","start":764.175,"end":764.795,"sentiment":"neutral","sentiment_score":0.10742488503456116},{"text":"I got a bit more work to do.","start":774.21497,"end":775.915,"sentiment":"neutral","sentiment_score":-0.011537386104464531}],"sentiment":"neutral","sentiment_score":0.04471726486316094,"num_words":13,"start":745.435,"end":775.915},{"sentences":[{"text":"Not a bad idea.","start":776.09,"end":780.67,"sentiment":"neutral","sentiment_score":0.2641074061393738},{"text":"Alright.","start":783.53,"end":784.01,"sentiment":"positive","sentiment_score":0.4219253957271576},{"text":"Thank you.","start":784.01,"end":784.67,"sentiment":"positive","sentiment_score":0.731011152267456},{"text":"Bye bye.","start":787.37,"end":788.03,"sentiment":"neutral","sentiment_score":0.006351247429847717}],"sentiment":"neutral","sentiment_score":0.32811997996436226,"num_words":9,"start":776.09,"end":788.03}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Finally.\n\nChannel 0: Hi. Good afternoon, Douglas. How are you? You're all good. You've had a busy day.\n\nChannel 1: I've been busy. Well, I'm sitting on a tractor and I can't I've been here a tractor and I can't hear anything.\n\nChannel 0: Yeah. No. That's okay. That's not a problem at all. So because you're on the track, dad, you don't have access to your emails at the moment.\n\nChannel 1: No. I don't.\n\nChannel 0: No. That's okay. That's not a problem at all. If you like what I'll do, I'll run you through the recommendations. I'll try not to overcomplicate it.\n\nAnd then I've emailed you the document as well, so you're welcome to have a bit of a look at it, run your eyes over it. Let me know if you do happen to have any questions, and if you're happy to take those recommendations on board for your investments, please, then we can I'll get you to sign, return it back, and we'll process it for you nice and quickly. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. So what I'll do is I'll run you through these. If you do find you have any questions as we're going through it, let me know. I'll try not to overcomplicate it, and then I'll let you go back and have a really good read of it. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Easy. So with the document here, when you do receive it, it has been dated for yourself as of the 06/15/2026. Our documents are valid for sixty days. So in all honesty, if you get busy and you need a bit more time, absolutely fine. Just let me know.\n\nWe'll just double check if circumstances haven't changed majorly. Okay?\n\nChannel 1: Yep.\n\nChannel 0: On the bottom of the document, it has noted that has been prepared by myself and my beautiful team here at OKIE Financial. My registration number with ASIC is 1304394. Okay.\n\nChannel 1: They are fantastic too.\n\nChannel 0: Sorry. What was that?\n\nChannel 1: I am fantastic too.\n\nChannel 0: With regards to the advice, we have disturbed in superannuation. So as we kinda went through your annual review, we had a bit of a chat about some of the underperforming investments. I'm just having a look at where you're sort of tracking with regards to your goals there. You do have an investment property, and you're sort of hoping in the next five years, if this is still the same, that you're wanting to sell that property and utilize the the growth to pay off your mortgage. Is that still what you're hoping to do with your investment property there?\n\nChannel 1: I've I've got a property. Mortgage property.\n\nChannel 0: Oh, yes. Sorry. And you're hoping to pay that down beforehand? Before retirement?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: It'd be\n\nChannel 0: Beautiful. Can you hear me okay? Sorry.\n\nChannel 1: nice.\n\nChannel 0: The phone's a little bit crackly.\n\nChannel 1: Bit more volume. Be good.\n\nChannel 0: Yeah. That's okay. Can you hear me better\n\nChannel 1: Yep.\n\nChannel 0: now? Yeah. Beautiful. Awesome. Let me know if it does sort of break up a little bit because I'll just keep talking and you won't even I won't even know.\n\nI\n\nChannel 1: Yep.\n\nChannel 0: only\n\nChannel 1: Yep.\n\nChannel 0: noticed before because it was sort of breaking into that a little bit. So, essentially, with this one here, we are looking at scoping your superannuation and just making sure that your super is working harder for you. So I did have a look at your net wealth super fund as well as all the other ones out there. Having you look at how everything has been performing and realistically moving out of net worth. Net wealth is not preferable as of now.\n\nWe're gonna look at retaining Netwealth Super for you. It is a great fund, and I wanna see moving into any other funds now would increase the capital gains consequences for you. Okay? So I'm\n\nChannel 1: Yep.\n\nChannel 0: recommending you a stay within Netwealth there, but we're gonna do a bit of an investment switch here. So we're gonna sell off some of your investments. We're gonna keep essentially, just to break this down, make it nice and easy for you because we don't wanna make it too overcomplicated, but the Bennelong Australian Equities has been underperforming, so we're removing all of that from your portfolio and then just doing a bit of a quick rebalance there for you. Because Bennelong has been underperforming, we're gonna replace that with the BetaShares a 200. That's essentially increasing your exposure into the Australian equities and having you as greater providing greater diversification.\n\nSo instead of having exposure to 15 to 25 different Australian equities, you're gonna have exposure to over 200. So it helps to lower the risk of your portfolio and gives you greater diversification. And the Australian two 100 is a cheaper investment as well, so it helps to lower your fees within the super fund. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Within that, just rebalancing a couple of the other investments. So you've got some bank hybrids there. We're retaining and buying a few more in there just to bring your level back up to 12% because you are in that growth exposure. We wanna make sure you've got some defensive assets and lower risk investments. We're gonna rebalance and buy into the beta shares rapid 200 as well, just making sure you've got some exposure to mid cap stocks there.\n\nWe've got some cybersecurity. So the S and P 500 and the iShares deal plus, so just buying a bit more into that to rebalance you a little bit and selling off some global infrastructure there as well. And physical gold has done really well, but you're a bit overexposed there. So we're just gonna bring that back down to 8%. So, essentially, rebalancing your portfolio just to make sure that you stay in line with your growth risk profile.\n\nDoes that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Beautiful. Now because you are in that kind of growth area, we're actually sort of making sure your your balance growth, sorry, is more around that sort of seventy thirty split and making sure we have that is keeping it. So you've got about 70% growth assets wanting to make sure you're getting good growth and returns out of your portfolio, but then 30% in those defensive assets and making sure that you are also protecting your capital and, you know, having some of those low risk investments as well. Does that make sense?\n\nDoes that still feel fairly comfortable for where you're at?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now having a look because then along has been underperforming pretty significantly here, we had a good look at the capital gains consequences because your super fund, like you, does a tax return every year, and there are taxes involved with buying and selling investments. Your super fund will have no CGT consequences there, so that is a benefit for you. And by making the switch, the investment fees are expected to reduce by $243 per year.\n\nSo that is sorry. That is also another benefit for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We also noted that the five year rolling average, when we compare your current portfolio with the recommended, the newer portfolio has has seen a greater past sorry, greater past performance. So when we project that forward over the next sort of five to eight years towards your goal of accessing super at 67, we can see this portfolio as long as it performs the same way, putting you in a much greater position, which is a benefit as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: I did sort of have a look at projecting to age 67 just to see where we were tracking there, having a bit of a look based on your current circumstances. We also wanted to look at whether you were gonna be eligible for age pension there. Having a look at your circumstances, you should have no problem with that getting some age pension and then supplementing some of your super. We are sort of looking at trying to get an income of about $1,000 per week in retirement there. Having a look at where we are projected, it looks like at the moment, we are a little bit under projected.\n\nSo we're able to average at the moment, an income per year is about $43,001.63. So it is essentially 8,000 less than your target income there. But moving forward, we can look at other areas and other, you know, other advice around additional contributions, maybe looking at putting some more into super. When you turn 60, look at other strategies like that transfer retirement strategy as well. So you can increase your contributions in, and we try to pull a little bit out to, you know, even at your income as well as making more contributions to super there.\n\nBut all these strategies do sort of have to be factored in a bit more down the track. At the moment, you weren't able to sort of make any more additional contributions to super over and above what you are. Your mortgage is important to pay down there as well. And then also just making sure that, you know, things are working harder for you. So we'll start by just doing the investment switch for you, then we'll sort of track forward and look at how the performance is, how everything's going over the next sort of six to twelve months, and then look at whether there's any new strategies we can put in place to help boost this super moving forward.\n\nDoes that sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Do you have any questions at the moment? Try not to overcomplicate those investments switches.\n\nChannel 1: No. See,\n\nChannel 0: Is\n\nChannel 1: I'm\n\nChannel 0: there\n\nChannel 1: pretty\n\nChannel 0: anything\n\nChannel 1: straightforward.\n\nChannel 0: you wanted to kinda ask? Yeah. I mean, at the end of the day, making sure that the investments are working harder and investments that you were in when you first came on board or even last year do need to be updated on a regular basis, and the investments in what you in now might need to be changed in the future there as well. So it's just about involving the advice and involving your strategy as we work towards your goals. And then as we get closer and closer, we'll look at other strategies to help boost your super and put you in a better position to give you the best possible retirement.\n\nYeah. How does that sound?\n\nChannel 1: Sounds pretty good.\n\nChannel 0: Yeah. All good. Do you have any questions\n\nChannel 1: Retirement\n\nChannel 0: or\n\nChannel 1: sounds\n\nChannel 0: anything?\n\nChannel 1: good.\n\nChannel 0: Sorry?\n\nChannel 1: Retirement sounds good.\n\nChannel 0: It does. Doesn't it? It does.\n\nChannel 1: Yep.\n\nChannel 0: And look. You're getting closer to it.\n\nChannel 1: It's going quicker and quicker, I tell you.\n\nChannel 0: It absolutely is. It is. I swear, as we get older, the years go faster and faster and faster.\n\nChannel 1: I certainly do.\n\nChannel 0: But, no, honestly, look, you're 59 this year. So, essentially, when you do\n\nChannel 1: I'm 60\n\nChannel 0: hit that,\n\nChannel 1: this year.\n\nChannel 0: yeah, so when you do hit sort of 60 and beyond, we can look at other strategies. You're not quite there yet, so we can't sort of factor in the TTR at the moment. But when\n\nChannel 1: Yep.\n\nChannel 0: you do get to 60, we can factor in additional advice. As I kinda mentioned, the trends to your time strategy is great because it allows you to put more money into super, basically trying to maximize that your contributions caps as much as possible, but you're able to access a little bit of that money as well. So you can draw down, keep your take home pay as close as possible to what you've got whilst increasing contributions then. And that kinda works quite well, but not quite there yet. You're only 59, so, you know, don't wanna push too hard and\n\nChannel 1: Only\n\nChannel 0: make you\n\nChannel 1: for\n\nChannel 0: feel older\n\nChannel 1: only\n\nChannel 0: than you\n\nChannel 1: for\n\nChannel 0: actually\n\nChannel 1: another\n\nChannel 0: are.\n\nChannel 1: month.\n\nChannel 0: Only for another month. We'll enjoy. Are you gonna do anything fun for your birthday? Do you have anything planned at all? Or\n\nChannel 1: I had to call the bees in the backyard.\n\nChannel 0: yeah. You're gonna go out for\n\nChannel 1: Not\n\nChannel 0: dinner\n\nChannel 1: quite.\n\nChannel 0: or do anything? No? Not quite one.\n\nChannel 1: No. Couldn't be bothered.\n\nChannel 0: No. All good. We'll we'll put this in place there for you if you're happy to go ahead with it. We'll review it. Did you want me to review it in about six or twelve months with you?\n\nWhat would you like to see moving forward?\n\nChannel 1: Yeah. Six months will be good.\n\nChannel 0: Six months? Yeah. Beautiful. And then we can have a bit of a look at what else we can do put in place, and how we can kind of boost your super there. So you've realistically only got about, you know, seven and a half, not even not even quite eight years there before you're accessing your super at 67 and being able to apply for age pension.\n\nSo we'll look at what we can do to kind of boost that in that time frame. Okay?\n\nChannel 1: Yep.\n\nChannel 0: All good. All of our advice is updated for you because you're an ongoing service client. You do pay the ongoing service fee to our services there. It is 1.65% per annum. That's all being factored into the advice and the projections there as well.\n\nThere's no implementation costing for this advice. It's all complimentary. It's been a client of ours and making sure it's all working harder for you. This is a nice, fairly simple document. It's a bit of an investment switch in looking at the current outcome projected in retirement there at age 57 based on your current scenario.\n\nBut is there anything else that you kind of wanted to ask or needed me to sort of work on for you while you've got me here, or you're just sort of happy to take that and have a bit of a look at it?\n\nChannel 1: Just take it and have a look at it.\n\nChannel 0: Yeah. Beautiful. If you do find you have any questions, let me know. If you're happy just to take on those recommendations, I'll get you to sign the document, return it back, and we'll have that implemented nice and quickly. It'll be good to get you out of that along that investment has been underperforming pretty significantly.\n\nSo moving\n\nChannel 1: Yep.\n\nChannel 0: you out of that and moving you into another portfolio that's been working better, we'll hopefully see that perform nicer and yeah. Hopefully, Marcus work in our favor this year. It'd be nice if we saw some stability out of it instead of the ups and downs we're being all noticing.\n\nChannel 1: Yeah. True.\n\nChannel 0: All good. Well, that's basically everything I needed to go through with you. I'll let you go. Have a bit of a read through that one, and then do let me know if you do happen to have the additional questions. We've outlined the advantages, disadvantages, and the risks involved in there for you as well.\n\nOkay?\n\nChannel 1: Yep. No drums.\n\nChannel 0: Easy. Give me a call if you do have any questions or concerns there, Doug. But you have a good afternoon. Are you finished now, or you got a bit more work to do?\n\nChannel 1: I got a bit more work to do. Not a bad\n\nChannel 0: Yeah. Yeah. Beautiful. Well, you enjoy\n\nChannel 1: idea.\n\nChannel 0: that. Have a good day, and I'll talk to you very soon.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Thanks for your time. See you later. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Finally.","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.07539704442024231}],"sentiment":"neutral","sentiment_score":0.07539704442024231,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Hi.","start":1.76,"end":2.0,"sentiment":"neutral","sentiment_score":0.20303907990455627},{"text":"Good afternoon, Douglas.","start":2.0,"end":3.04,"sentiment":"positive","sentiment_score":0.38392744461695355},{"text":"How are you?","start":3.04,"end":3.9399998,"sentiment":"positive","sentiment_score":0.40248552958170575},{"text":"You're all good.","start":7.9199996,"end":8.72,"sentiment":"positive","sentiment_score":0.5644244949022929},{"text":"You've had a busy day.","start":8.72,"end":10.099999,"sentiment":"neutral","sentiment_score":0.057036972045898436}],"sentiment":"neutral","sentiment_score":0.3027157564957937,"channel":0,"num_words":15,"start":1.76,"end":10.099999},{"sentences":[{"text":"I've been busy.","start":11.36,"end":12.24,"sentiment":"neutral","sentiment_score":-0.11487687875827153},{"text":"Well, I'm sitting on a tractor and I can't I've been here a tractor and I can't hear anything.","start":12.24,"end":16.355,"sentiment":"neutral","sentiment_score":-0.2571520828887036}],"sentiment":"neutral","sentiment_score":-0.23775091868909923,"channel":1,"num_words":22,"start":11.36,"end":16.355},{"sentences":[{"text":"Yeah.","start":17.135,"end":17.535,"sentiment":"neutral","sentiment_score":-0.06738084554672241},{"text":"No.","start":17.535,"end":17.775,"sentiment":"neutral","sentiment_score":-0.11023637652397156},{"text":"That's okay.","start":17.775,"end":18.415,"sentiment":"neutral","sentiment_score":0.0011361483484506607},{"text":"That's not a problem at all.","start":18.415,"end":19.615,"sentiment":"neutral","sentiment_score":0.17369254430135092},{"text":"So because you're on the track, dad, you don't have access to your emails at the moment.","start":19.615,"end":24.675,"sentiment":"neutral","sentiment_score":-0.03922807381433599}],"sentiment":"neutral","sentiment_score":0.007404929095948184,"channel":0,"num_words":27,"start":17.135,"end":24.675},{"sentences":[{"text":"No.","start":25.215,"end":25.535,"sentiment":"neutral","sentiment_score":-0.1236664280295372},{"text":"I don't.","start":25.535,"end":26.115,"sentiment":"neutral","sentiment_score":-0.11617806553840637}],"sentiment":"neutral","sentiment_score":-0.11867418636878331,"channel":1,"num_words":3,"start":25.215,"end":26.115},{"sentences":[{"text":"No.","start":26.24,"end":26.56,"sentiment":"neutral","sentiment_score":-0.09758944809436798},{"text":"That's okay.","start":26.56,"end":27.119999,"sentiment":"neutral","sentiment_score":0.03634894511196762},{"text":"That's not a problem at all.","start":27.119999,"end":28.16,"sentiment":"neutral","sentiment_score":0.2856585532426834},{"text":"If you like what I'll do, I'll run you through the recommendations.","start":28.16,"end":30.66,"sentiment":"neutral","sentiment_score":0.27110448852181435},{"text":"I'll try not to overcomplicate it.","start":30.96,"end":32.82,"sentiment":"neutral","sentiment_score":0.1625748767207066}],"sentiment":"neutral","sentiment_score":0.2191764031174696,"channel":0,"num_words":27,"start":26.24,"end":32.82},{"sentences":[{"text":"And then I've emailed you the document as well, so you're welcome to have a bit of a look at it, run your eyes over it.","start":33.04,"end":38.055,"sentiment":"neutral","sentiment_score":0.2716940618478335},{"text":"Let me know if you do happen to have any questions, and if you're happy to take those recommendations on board for your investments, please, then we can I'll get you to sign, return it back, and we'll process it for you nice and quickly.","start":38.295002,"end":48.555,"sentiment":"neutral","sentiment_score":0.27062084476153053},{"text":"Okay?","start":48.695,"end":49.195,"sentiment":"neutral","sentiment_score":0.11919257044792177}],"sentiment":"neutral","sentiment_score":0.26890522489945096,"channel":0,"num_words":72,"start":33.04,"end":49.195},{"sentences":[{"text":"Yep.","start":49.875,"end":50.195,"sentiment":"neutral","sentiment_score":0.1509419083595276},{"text":"Yep.","start":50.195,"end":50.695,"sentiment":"neutral","sentiment_score":0.23974665999412537}],"sentiment":"neutral","sentiment_score":0.19534428417682648,"channel":1,"num_words":2,"start":49.875,"end":50.695},{"sentences":[{"text":"Excellent.","start":51.11,"end":51.61,"sentiment":"positive","sentiment_score":0.5469681024551392},{"text":"So what I'll do is I'll run you through these.","start":51.67,"end":53.51,"sentiment":"positive","sentiment_score":0.3348405212163925},{"text":"If you do find you have any questions as we're going through it, let me know.","start":53.51,"end":56.63,"sentiment":"neutral","sentiment_score":0.23573271371424198},{"text":"I'll try not to overcomplicate it, and then I'll let you go back and have a really good read of it.","start":56.63,"end":61.03,"sentiment":"neutral","sentiment_score":0.2225791293950308},{"text":"Okay?","start":61.03,"end":61.53,"sentiment":"neutral","sentiment_score":0.12583661079406738}],"sentiment":"neutral","sentiment_score":0.25443051147217655,"channel":0,"num_words":49,"start":51.11,"end":61.53},{"sentences":[{"text":"Yep.","start":62.15,"end":62.39,"sentiment":"neutral","sentiment_score":0.10739468783140182},{"text":"Yep.","start":62.39,"end":62.89,"sentiment":"neutral","sentiment_score":0.15321055054664612}],"sentiment":"neutral","sentiment_score":0.13030261918902397,"channel":1,"num_words":2,"start":62.15,"end":62.89},{"sentences":[{"text":"Easy.","start":63.445,"end":63.945,"sentiment":"neutral","sentiment_score":0.2143466919660568},{"text":"So with the document here, when you do receive it, it has been dated for yourself as of the 06/15/2026.","start":64.005,"end":70.325,"sentiment":"neutral","sentiment_score":0.11565489768981933},{"text":"Our documents are valid for sixty days.","start":70.325,"end":72.165,"sentiment":"neutral","sentiment_score":0.12959191096680506},{"text":"So in all honesty, if you get busy and you need a bit more time, absolutely fine.","start":72.165,"end":76.325,"sentiment":"neutral","sentiment_score":0.13048216788207784},{"text":"Just let me know.","start":76.325,"end":77.045,"sentiment":"neutral","sentiment_score":0.1024736687541008}],"sentiment":"neutral","sentiment_score":0.12372815411309807,"channel":0,"num_words":49,"start":63.445,"end":77.045},{"sentences":[{"text":"We'll just double check if circumstances haven't changed majorly.","start":77.045,"end":81.08,"sentiment":"neutral","sentiment_score":0.00762758766197496},{"text":"Okay?","start":81.299995,"end":81.799995,"sentiment":"neutral","sentiment_score":0.05441095679998398}],"sentiment":"neutral","sentiment_score":0.012305924575775862,"channel":0,"num_words":10,"start":77.045,"end":81.799995},{"sentences":[{"text":"Yep.","start":82.995,"end":83.46,"sentiment":"neutral","sentiment_score":0.0716405063867569}],"sentiment":"neutral","sentiment_score":0.0716405063867569,"channel":1,"num_words":1,"start":82.995,"end":83.46},{"sentences":[{"text":"On the bottom of the document, it has noted that has been prepared by myself and my beautiful team here at OKIE Financial.","start":83.22,"end":88.92,"sentiment":"neutral","sentiment_score":0.16181864686634229},{"text":"My registration number with ASIC is 1304394.","start":89.619995,"end":93.735,"sentiment":"neutral","sentiment_score":0.11340622284582683},{"text":"Okay.","start":93.735,"end":94.235,"sentiment":"neutral","sentiment_score":0.2974012494087219}],"sentiment":"neutral","sentiment_score":0.1552604415243672,"channel":0,"num_words":31,"start":83.22,"end":94.235},{"sentences":[{"text":"They are fantastic too.","start":95.14,"end":96.68,"sentiment":"positive","sentiment_score":0.6814643293619156}],"sentiment":"positive","sentiment_score":0.6814643293619156,"channel":1,"num_words":4,"start":95.14,"end":96.68},{"sentences":[{"text":"Sorry.","start":97.494995,"end":97.895,"sentiment":"neutral","sentiment_score":0.018513351678848267},{"text":"What was that?","start":97.895,"end":98.795,"sentiment":"neutral","sentiment_score":0.009819666544596354}],"sentiment":"neutral","sentiment_score":0.011993087828159332,"channel":0,"num_words":4,"start":97.494995,"end":98.795},{"sentences":[{"text":"I am fantastic too.","start":99.075,"end":100.775,"sentiment":"positive","sentiment_score":0.35694386437535286}],"sentiment":"positive","sentiment_score":0.35694386437535286,"channel":1,"num_words":4,"start":99.075,"end":100.775},{"sentences":[{"text":"With regards to the advice, we have disturbed in superannuation.","start":102.935,"end":105.674995,"sentiment":"neutral","sentiment_score":-0.14485742934048176},{"text":"So as we kinda went through your annual review, we had a bit of a chat about some of the underperforming investments.","start":105.975,"end":110.81,"sentiment":"neutral","sentiment_score":-0.1306771280413324},{"text":"I'm just having a look at where you're sort of tracking with regards to your goals there.","start":110.81,"end":114.43,"sentiment":"neutral","sentiment_score":-0.04250121335772907},{"text":"You do have an investment property, and you're sort of hoping in the next five years, if this is still the same, that you're wanting to sell that property and utilize the the growth to pay off your mortgage.","start":114.729996,"end":125.035,"sentiment":"neutral","sentiment_score":-0.11288299306462972},{"text":"Is that still what you're hoping to do with your investment property there?","start":125.035,"end":128.095,"sentiment":"neutral","sentiment_score":-0.01960726841711081}],"sentiment":"neutral","sentiment_score":-0.09607250451820322,"channel":0,"num_words":101,"start":102.935,"end":128.095},{"sentences":[{"text":"I've I've got a property.","start":129.075,"end":130.615,"sentiment":"neutral","sentiment_score":-0.020554162003099917},{"text":"Mortgage property.","start":131.715,"end":132.695,"sentiment":"neutral","sentiment_score":-0.0031839904841035604}],"sentiment":"neutral","sentiment_score":-0.015591255854815245,"channel":1,"num_words":7,"start":129.075,"end":132.695},{"sentences":[{"text":"Oh, yes.","start":133.435,"end":133.91501,"sentiment":"neutral","sentiment_score":-0.000514758750796318},{"text":"Sorry.","start":133.91501,"end":134.155,"sentiment":"neutral","sentiment_score":-0.04530828073620796},{"text":"And you're hoping to pay that down beforehand?","start":134.155,"end":136.015,"sentiment":"neutral","sentiment_score":-0.03052906575612724},{"text":"Before retirement?","start":136.45,"end":137.26999,"sentiment":"neutral","sentiment_score":-0.027114832773804665}],"sentiment":"neutral","sentiment_score":-0.026523076141109832,"channel":0,"num_words":13,"start":133.435,"end":137.26999},{"sentences":[{"text":"Yeah.","start":137.155,"end":137.655,"sentiment":"neutral","sentiment_score":0.007729382254183292},{"text":"Yeah.","start":137.90001,"end":138.22,"sentiment":"neutral","sentiment_score":0.028647949919104576}],"sentiment":"neutral","sentiment_score":0.018188666086643934,"channel":1,"num_words":2,"start":137.155,"end":138.22},{"sentences":[{"text":"Yes.","start":138.04999,"end":138.45,"sentiment":"neutral","sentiment_score":0.07966182380914688}],"sentiment":"neutral","sentiment_score":0.07966182380914688,"channel":0,"num_words":1,"start":138.04999,"end":138.45},{"sentences":[{"text":"It'd be","start":138.22,"end":138.8,"sentiment":"neutral","sentiment_score":0.18587683886289597}],"sentiment":"neutral","sentiment_score":0.18587683886289597,"channel":1,"num_words":2,"start":138.22,"end":138.8},{"sentences":[{"text":"Beautiful.","start":138.45,"end":138.95,"sentiment":"neutral","sentiment_score":0.28065165877342224},{"text":"Can you hear me okay?","start":140.93,"end":142.12999,"sentiment":"neutral","sentiment_score":0.026312919706106185},{"text":"Sorry.","start":142.12999,"end":142.37,"sentiment":"neutral","sentiment_score":-0.08870334923267365}],"sentiment":"neutral","sentiment_score":0.0462161297244685,"channel":0,"num_words":7,"start":138.45,"end":142.37},{"sentences":[{"text":"nice.","start":142.14001,"end":142.64001,"sentiment":"neutral","sentiment_score":-0.011928234249353409}],"sentiment":"neutral","sentiment_score":-0.011928234249353409,"channel":1,"num_words":1,"start":142.14001,"end":142.64001},{"sentences":[{"text":"The phone's a little bit crackly.","start":142.37,"end":144.79,"sentiment":"neutral","sentiment_score":-0.32311153411865234}],"sentiment":"neutral","sentiment_score":-0.32311153411865234,"channel":0,"num_words":6,"start":142.37,"end":144.79},{"sentences":[{"text":"Bit more volume.","start":144.38,"end":145.26001,"sentiment":"neutral","sentiment_score":-0.10550990949074428},{"text":"Be good.","start":145.26001,"end":145.92001,"sentiment":"neutral","sentiment_score":0.08035285770893097}],"sentiment":"neutral","sentiment_score":-0.031164802610874176,"channel":1,"num_words":5,"start":144.38,"end":145.92001},{"sentences":[{"text":"Yeah.","start":146.53,"end":146.84999,"sentiment":"neutral","sentiment_score":0.020450981333851814},{"text":"That's okay.","start":146.84999,"end":147.67,"sentiment":"neutral","sentiment_score":0.01853858307003975},{"text":"Can you hear me better","start":149.98499,"end":150.94499,"sentiment":"neutral","sentiment_score":-0.04400663897395134}],"sentiment":"neutral","sentiment_score":-0.020313130924478173,"channel":0,"num_words":8,"start":146.53,"end":150.94499},{"sentences":[{"text":"Yep.","start":150.635,"end":151.135,"sentiment":"neutral","sentiment_score":-0.02458566054701805}],"sentiment":"neutral","sentiment_score":-0.02458566054701805,"channel":1,"num_words":1,"start":150.635,"end":151.135},{"sentences":[{"text":"now?","start":150.94499,"end":151.44499,"sentiment":"neutral","sentiment_score":-0.018929149955511093},{"text":"Yeah.","start":153.185,"end":153.58499,"sentiment":"neutral","sentiment_score":0.12060333043336868},{"text":"Beautiful.","start":153.58499,"end":154.06499,"sentiment":"positive","sentiment_score":0.4391131401062012},{"text":"Awesome.","start":154.06499,"end":154.545,"sentiment":"positive","sentiment_score":0.4252907931804657},{"text":"Let me know if it does sort of break up a little bit because I'll just keep talking and you won't even I won't even know.","start":154.545,"end":160.325,"sentiment":"neutral","sentiment_score":-0.019041288787355788}],"sentiment":"neutral","sentiment_score":0.015700153509775796,"channel":0,"num_words":30,"start":150.94499,"end":160.325},{"sentences":[{"text":"I","start":160.70499,"end":160.86499,"sentiment":"neutral","sentiment_score":-0.005847856402397156}],"sentiment":"neutral","sentiment_score":-0.005847856402397156,"channel":0,"num_words":1,"start":160.70499,"end":160.86499},{"sentences":[{"text":"Yep.","start":160.795,"end":161.11499,"sentiment":"neutral","sentiment_score":-0.005459686275571585}],"sentiment":"neutral","sentiment_score":-0.005459686275571585,"channel":1,"num_words":1,"start":160.795,"end":161.11499},{"sentences":[{"text":"only","start":160.86499,"end":161.36499,"sentiment":"neutral","sentiment_score":-0.04021666571497917}],"sentiment":"neutral","sentiment_score":-0.04021666571497917,"channel":0,"num_words":1,"start":160.86499,"end":161.36499},{"sentences":[{"text":"Yep.","start":161.11499,"end":161.61499,"sentiment":"neutral","sentiment_score":-0.032146237790584564}],"sentiment":"neutral","sentiment_score":-0.032146237790584564,"channel":1,"num_words":1,"start":161.11499,"end":161.61499},{"sentences":[{"text":"noticed before because it was sort of breaking into that a little bit.","start":161.42499,"end":164.19,"sentiment":"neutral","sentiment_score":-0.09624263529594128},{"text":"So, essentially, with this one here, we are looking at scoping your superannuation and just making sure that your super is working harder for you.","start":164.67,"end":171.07,"sentiment":"neutral","sentiment_score":-0.019299410842359067},{"text":"So I did have a look at your net wealth super fund as well as all the other ones out there.","start":171.07,"end":175.41,"sentiment":"neutral","sentiment_score":0.007698992178553627},{"text":"Having you look at how everything has been performing and realistically moving out of net worth.","start":175.55,"end":181.705,"sentiment":"neutral","sentiment_score":-0.09731686534360051},{"text":"Net wealth is not preferable as of now.","start":181.705,"end":183.885,"sentiment":"neutral","sentiment_score":-0.30298734828829765}],"sentiment":"neutral","sentiment_score":-0.06690276296338044,"channel":0,"num_words":83,"start":161.42499,"end":183.885},{"sentences":[{"text":"We're gonna look at retaining Netwealth Super for you.","start":184.50499,"end":187.14499,"sentiment":"neutral","sentiment_score":0.06743869971897867},{"text":"It is a great fund, and I wanna see moving into any other funds now would increase the capital gains consequences for you.","start":187.14499,"end":195.24,"sentiment":"neutral","sentiment_score":0.2280602040498153},{"text":"Okay?","start":195.48001,"end":195.88,"sentiment":"neutral","sentiment_score":0.0819893628358841},{"text":"So I'm","start":195.88,"end":196.68001,"sentiment":"neutral","sentiment_score":0.05939127877354622}],"sentiment":"neutral","sentiment_score":0.17294585459998676,"channel":0,"num_words":35,"start":184.50499,"end":196.68001},{"sentences":[{"text":"Yep.","start":196.65,"end":197.15,"sentiment":"neutral","sentiment_score":0.11517836153507233}],"sentiment":"neutral","sentiment_score":0.11517836153507233,"channel":1,"num_words":1,"start":196.65,"end":197.15},{"sentences":[{"text":"recommending you a stay within Netwealth there, but we're gonna do a bit of an investment switch here.","start":196.68001,"end":200.6,"sentiment":"neutral","sentiment_score":0.009374068946474128},{"text":"So we're gonna sell off some of your investments.","start":200.6,"end":203.02,"sentiment":"neutral","sentiment_score":-0.10332712241344982},{"text":"We're gonna keep essentially, just to break this down, make it nice and easy for you because we don't wanna make it too overcomplicated, but the Bennelong Australian Equities has been underperforming, so we're removing all of that from your portfolio and then just doing a bit of a quick rebalance there for you.","start":203.72,"end":219.225,"sentiment":"neutral","sentiment_score":0.06336768364740743},{"text":"Because Bennelong has been underperforming, we're gonna replace that with the BetaShares a 200.","start":219.845,"end":224.965,"sentiment":"neutral","sentiment_score":0.06858029296355588},{"text":"That's essentially increasing your exposure into the Australian equities and having you as greater providing greater diversification.","start":224.965,"end":233.59999,"sentiment":"neutral","sentiment_score":0.309580056106343}],"sentiment":"neutral","sentiment_score":0.07931811706761696,"channel":0,"num_words":112,"start":196.68001,"end":233.59999},{"sentences":[{"text":"So instead of having exposure to 15 to 25 different Australian equities, you're gonna have exposure to over 200.","start":234.06,"end":240.525,"sentiment":"neutral","sentiment_score":0.22923661650795685},{"text":"So it helps to lower the risk of your portfolio and gives you greater diversification.","start":240.525,"end":244.545,"sentiment":"positive","sentiment_score":0.4607383728027344},{"text":"And the Australian two 100 is a cheaper investment as well, so it helps to lower your fees within the super fund.","start":245.325,"end":251.265,"sentiment":"positive","sentiment_score":0.510673230344599},{"text":"Okay?","start":251.405,"end":251.905,"sentiment":"neutral","sentiment_score":0.21765559911727905}],"sentiment":"positive","sentiment_score":0.3985796135507132,"channel":0,"num_words":57,"start":234.06,"end":251.905},{"sentences":[{"text":"Yep.","start":252.79999,"end":253.29999,"sentiment":"neutral","sentiment_score":0.21128308773040771}],"sentiment":"neutral","sentiment_score":0.21128308773040771,"channel":1,"num_words":1,"start":252.79999,"end":253.29999},{"sentences":[{"text":"Within that, just rebalancing a couple of the other investments.","start":254.09,"end":256.99,"sentiment":"neutral","sentiment_score":0.14375393241643905},{"text":"So you've got some bank hybrids there.","start":257.13,"end":258.97,"sentiment":"neutral","sentiment_score":0.14039320072957448},{"text":"We're retaining and buying a few more in there just to bring your level back up to 12% because you are in that growth exposure.","start":258.97,"end":265.285,"sentiment":"neutral","sentiment_score":0.21660332202911378},{"text":"We wanna make sure you've got some defensive assets and lower risk investments.","start":265.425,"end":269.205,"sentiment":"neutral","sentiment_score":0.19551754685548636},{"text":"We're gonna rebalance and buy into the beta shares rapid 200 as well, just making sure you've got some exposure to mid cap stocks there.","start":269.82498,"end":276.885,"sentiment":"neutral","sentiment_score":0.15342886716127396}],"sentiment":"neutral","sentiment_score":0.17766030710190533,"channel":0,"num_words":80,"start":254.09,"end":276.885},{"sentences":[{"text":"We've got some cybersecurity.","start":277.06,"end":278.36,"sentiment":"neutral","sentiment_score":0.06467431504279375},{"text":"So the S and P 500 and the iShares deal plus, so just buying a bit more into that to rebalance you a little bit and selling off some global infrastructure there as well.","start":278.74,"end":290.58,"sentiment":"neutral","sentiment_score":0.0898012537509203},{"text":"And physical gold has done really well, but you're a bit overexposed there.","start":290.58,"end":293.905,"sentiment":"neutral","sentiment_score":-0.006283049973157736},{"text":"So we're just gonna bring that back down to 8%.","start":293.905,"end":296.565,"sentiment":"neutral","sentiment_score":0.09969127997756004},{"text":"So, essentially, rebalancing your portfolio just to make sure that you stay in line with your growth risk profile.","start":296.625,"end":302.72498,"sentiment":"neutral","sentiment_score":0.15987353183721242}],"sentiment":"neutral","sentiment_score":0.09080962678417563,"channel":0,"num_words":80,"start":277.06,"end":302.72498},{"sentences":[{"text":"Does that make sense?","start":302.785,"end":303.81,"sentiment":"neutral","sentiment_score":0.11398342810571194}],"sentiment":"neutral","sentiment_score":0.11398342810571194,"channel":0,"num_words":4,"start":302.785,"end":303.81},{"sentences":[{"text":"Yep.","start":304.27502,"end":304.595,"sentiment":"neutral","sentiment_score":0.12778306007385254},{"text":"Yep.","start":304.595,"end":305.095,"sentiment":"neutral","sentiment_score":0.16032329201698303}],"sentiment":"neutral","sentiment_score":0.14405317604541779,"channel":1,"num_words":2,"start":304.27502,"end":305.095},{"sentences":[{"text":"Yeah.","start":305.65,"end":305.97,"sentiment":"neutral","sentiment_score":0.2992114722728729},{"text":"Beautiful.","start":305.97,"end":306.47,"sentiment":"positive","sentiment_score":0.4574614763259888},{"text":"Now because you are in that kind of growth area, we're actually sort of making sure your your balance growth, sorry, is more around that sort of seventy thirty split and making sure we have that is keeping it.","start":307.01,"end":318.005,"sentiment":"neutral","sentiment_score":0.17902021921980074},{"text":"So you've got about 70% growth assets wanting to make sure you're getting good growth and returns out of your portfolio, but then 30% in those defensive assets and making sure that you are also protecting your capital and, you know, having some of those low risk investments as well.","start":318.005,"end":333.50998,"sentiment":"positive","sentiment_score":0.33617333859205245},{"text":"Does that make sense?","start":333.50998,"end":334.31,"sentiment":"neutral","sentiment_score":0.26218943297863007}],"sentiment":"neutral","sentiment_score":0.2694303806282972,"channel":0,"num_words":95,"start":305.65,"end":334.31},{"sentences":[{"text":"Does that still feel fairly comfortable for where you're at?","start":334.31,"end":336.81,"sentiment":"neutral","sentiment_score":0.26162432283163073}],"sentiment":"neutral","sentiment_score":0.26162432283163073,"channel":0,"num_words":10,"start":334.31,"end":336.81},{"sentences":[{"text":"Yep.","start":337.26498,"end":337.76498,"sentiment":"neutral","sentiment_score":0.22582922875881195}],"sentiment":"neutral","sentiment_score":0.22582922875881195,"channel":1,"num_words":1,"start":337.26498,"end":337.76498},{"sentences":[{"text":"Yep.","start":338.31,"end":338.71,"sentiment":"positive","sentiment_score":0.3404960334300995},{"text":"Beautiful.","start":338.71,"end":339.21,"sentiment":"positive","sentiment_score":0.6457353830337524},{"text":"Now having a look because then along has been underperforming pretty significantly here, we had a good look at the capital gains consequences because your super fund, like you, does a tax return every year, and there are taxes involved with buying and selling investments.","start":339.75,"end":352.865,"sentiment":"neutral","sentiment_score":0.15311583073602783},{"text":"Your super fund will have no CGT consequences there, so that is a benefit for you.","start":353.725,"end":358.465,"sentiment":"positive","sentiment_score":0.4276673858985305},{"text":"And by making the switch, the investment fees are expected to reduce by $243 per year.","start":358.685,"end":364.94998,"sentiment":"neutral","sentiment_score":0.24412511801347136}],"sentiment":"neutral","sentiment_score":0.235761061546546,"channel":0,"num_words":79,"start":338.31,"end":364.94998},{"sentences":[{"text":"So that is sorry.","start":364.94998,"end":366.81,"sentiment":"neutral","sentiment_score":-0.1741341296583414},{"text":"That is also another benefit for you.","start":367.35,"end":369.43,"sentiment":"neutral","sentiment_score":0.09233409592083522},{"text":"Okay?","start":369.43,"end":369.93,"sentiment":"neutral","sentiment_score":0.1268019825220108}],"sentiment":"neutral","sentiment_score":0.006383677944540975,"channel":0,"num_words":12,"start":364.94998,"end":369.93},{"sentences":[{"text":"Yep.","start":370.83,"end":371.33,"sentiment":"neutral","sentiment_score":0.18972592055797577}],"sentiment":"neutral","sentiment_score":0.18972592055797577,"channel":1,"num_words":1,"start":370.83,"end":371.33},{"sentences":[{"text":"We also noted that the five year rolling average, when we compare your current portfolio with the recommended, the newer portfolio has has seen a greater past sorry, greater past performance.","start":371.75,"end":384.47498,"sentiment":"neutral","sentiment_score":0.18911880519120924},{"text":"So when we project that forward over the next sort of five to eight years towards your goal of accessing super at 67, we can see this portfolio as long as it performs the same way, putting you in a much greater position, which is a benefit as well.","start":384.47498,"end":397.38998,"sentiment":"positive","sentiment_score":0.44536491316192006},{"text":"Okay?","start":397.38998,"end":397.88998,"sentiment":"neutral","sentiment_score":0.1520850956439972}],"sentiment":"positive","sentiment_score":0.3436746765617971,"channel":0,"num_words":81,"start":371.75,"end":397.88998},{"sentences":[{"text":"Yep.","start":398.69998,"end":399.19998,"sentiment":"neutral","sentiment_score":0.17609724402427673}],"sentiment":"neutral","sentiment_score":0.17609724402427673,"channel":1,"num_words":1,"start":398.69998,"end":399.19998},{"sentences":[{"text":"I did sort of have a look at projecting to age 67 just to see where we were tracking there, having a bit of a look based on your current circumstances.","start":399.78998,"end":407.025,"sentiment":"neutral","sentiment_score":0.12314877238485121},{"text":"We also wanted to look at whether you were gonna be eligible for age pension there.","start":407.565,"end":411.505,"sentiment":"neutral","sentiment_score":0.14385180501267314},{"text":"Having a look at your circumstances, you should have no problem with that getting some age pension and then supplementing some of your super.","start":411.725,"end":418.545,"sentiment":"positive","sentiment_score":0.38020671904087067},{"text":"We are sort of looking at trying to get an income of about $1,000 per week in retirement there.","start":419.06,"end":424.84,"sentiment":"neutral","sentiment_score":0.1755012046349676},{"text":"Having a look at where we are projected, it looks like at the moment, we are a little bit under projected.","start":425.13998,"end":429.8,"sentiment":"neutral","sentiment_score":0.007076479494571686}],"sentiment":"neutral","sentiment_score":0.1687146940411211,"channel":0,"num_words":111,"start":399.78998,"end":429.8},{"sentences":[{"text":"So we're able to average at the moment, an income per year is about $43,001.63.","start":429.86,"end":436.035,"sentiment":"neutral","sentiment_score":0.18537849883238475},{"text":"So it is essentially 8,000 less than your target income there.","start":436.035,"end":439.975,"sentiment":"neutral","sentiment_score":0.06300338086756793},{"text":"But moving forward, we can look at other areas and other, you know, other advice around additional contributions, maybe looking at putting some more into super.","start":440.355,"end":450.19,"sentiment":"neutral","sentiment_score":0.06475832155690743},{"text":"When you turn 60, look at other strategies like that transfer retirement strategy as well.","start":450.19,"end":455.15,"sentiment":"neutral","sentiment_score":0.07113260750969251},{"text":"So you can increase your contributions in, and we try to pull a little bit out to, you know, even at your income as well as making more contributions to super there.","start":455.15,"end":464.395,"sentiment":"neutral","sentiment_score":0.11107585148420185}],"sentiment":"neutral","sentiment_score":0.09877623628937837,"channel":0,"num_words":99,"start":429.86,"end":464.395},{"sentences":[{"text":"But all these strategies do sort of have to be factored in a bit more down the track.","start":464.395,"end":468.97498,"sentiment":"neutral","sentiment_score":0.025262169332967863},{"text":"At the moment, you weren't able to sort of make any more additional contributions to super over and above what you are.","start":469.275,"end":475.455,"sentiment":"neutral","sentiment_score":-0.02335330606861548},{"text":"Your mortgage is important to pay down there as well.","start":475.72,"end":478.7,"sentiment":"neutral","sentiment_score":-0.010833538696169853},{"text":"And then also just making sure that, you know, things are working harder for you.","start":479.16,"end":483.4,"sentiment":"neutral","sentiment_score":0.01642316853006681},{"text":"So we'll start by just doing the investment switch for you, then we'll sort of track forward and look at how the performance is, how everything's going over the next sort of six to twelve months, and then look at whether there's any new strategies we can put in place to help boost this super moving forward.","start":483.4,"end":498.395,"sentiment":"neutral","sentiment_score":0.13748099079780413}],"sentiment":"neutral","sentiment_score":0.06488012238481983,"channel":0,"num_words":122,"start":464.395,"end":498.395},{"sentences":[{"text":"Does that sound okay?","start":498.395,"end":499.615,"sentiment":"neutral","sentiment_score":0.17774497345089912}],"sentiment":"neutral","sentiment_score":0.17774497345089912,"channel":0,"num_words":4,"start":498.395,"end":499.615},{"sentences":[{"text":"Yep.","start":500.285,"end":500.785,"sentiment":"neutral","sentiment_score":0.11344482004642488}],"sentiment":"neutral","sentiment_score":0.11344482004642488,"channel":1,"num_words":1,"start":500.285,"end":500.785},{"sentences":[{"text":"Yep.","start":501.37003,"end":501.77002,"sentiment":"neutral","sentiment_score":0.17133180797100067},{"text":"Beautiful.","start":501.77002,"end":502.27002,"sentiment":"positive","sentiment_score":0.41492509841918945},{"text":"Do you have any questions at the moment?","start":502.33002,"end":503.93002,"sentiment":"neutral","sentiment_score":0.10497486125677824},{"text":"Try not to overcomplicate those investments switches.","start":503.93002,"end":507.15002,"sentiment":"neutral","sentiment_score":-0.03705350761967046}],"sentiment":"neutral","sentiment_score":0.06862830841804252,"channel":0,"num_words":17,"start":501.37003,"end":507.15002},{"sentences":[{"text":"No.","start":507.03,"end":507.43,"sentiment":"neutral","sentiment_score":-0.02616880275309086},{"text":"See,","start":507.43,"end":507.51,"sentiment":"neutral","sentiment_score":-0.005197184160351753}],"sentiment":"neutral","sentiment_score":-0.015682993456721306,"channel":1,"num_words":2,"start":507.03,"end":507.51},{"sentences":[{"text":"Is","start":507.45,"end":507.61002,"sentiment":"neutral","sentiment_score":0.004458462819457054}],"sentiment":"neutral","sentiment_score":0.004458462819457054,"channel":0,"num_words":1,"start":507.45,"end":507.61002},{"sentences":[{"text":"I'm","start":507.51,"end":507.75,"sentiment":"neutral","sentiment_score":0.012082628905773165}],"sentiment":"neutral","sentiment_score":0.012082628905773165,"channel":1,"num_words":1,"start":507.51,"end":507.75},{"sentences":[{"text":"there","start":507.61002,"end":507.77002,"sentiment":"neutral","sentiment_score":0.04055813327431679}],"sentiment":"neutral","sentiment_score":0.04055813327431679,"channel":0,"num_words":1,"start":507.61002,"end":507.77002},{"sentences":[{"text":"pretty","start":507.75,"end":507.91,"sentiment":"neutral","sentiment_score":0.034514814615249634}],"sentiment":"neutral","sentiment_score":0.034514814615249634,"channel":1,"num_words":1,"start":507.75,"end":507.91},{"sentences":[{"text":"anything","start":507.77002,"end":508.17,"sentiment":"neutral","sentiment_score":0.022149059921503067}],"sentiment":"neutral","sentiment_score":0.022149059921503067,"channel":0,"num_words":1,"start":507.77002,"end":508.17},{"sentences":[{"text":"straightforward.","start":507.91,"end":508.41,"sentiment":"neutral","sentiment_score":-0.003082137554883957}],"sentiment":"neutral","sentiment_score":-0.003082137554883957,"channel":1,"num_words":1,"start":507.91,"end":508.41},{"sentences":[{"text":"you wanted to kinda ask?","start":508.17,"end":509.61002,"sentiment":"neutral","sentiment_score":0.019922106340527535},{"text":"Yeah.","start":509.61002,"end":510.11002,"sentiment":"neutral","sentiment_score":0.08328032493591309},{"text":"I mean, at the end of the day, making sure that the investments are working harder and investments that you were in when you first came on board or even last year do need to be updated on a regular basis, and the investments in what you in now might need to be changed in the future there as well.","start":510.17,"end":524.29504,"sentiment":"neutral","sentiment_score":0.06130520844211181},{"text":"So it's just about involving the advice and involving your strategy as we work towards your goals.","start":524.29504,"end":529.91504,"sentiment":"neutral","sentiment_score":0.14983198046684265},{"text":"And then as we get closer and closer, we'll look at other strategies to help boost your super and put you in a better position to give you the best possible retirement.","start":530.05505,"end":538.02,"sentiment":"neutral","sentiment_score":0.23839949909597635}],"sentiment":"neutral","sentiment_score":0.12206200871454632,"channel":0,"num_words":115,"start":508.17,"end":538.02},{"sentences":[{"text":"Yeah.","start":538.64,"end":538.96,"sentiment":"neutral","sentiment_score":0.2316407561302185},{"text":"How does that sound?","start":538.96,"end":539.94,"sentiment":"neutral","sentiment_score":0.2527720518410206}],"sentiment":"neutral","sentiment_score":0.24854579269886018,"channel":0,"num_words":5,"start":538.64,"end":539.94},{"sentences":[{"text":"Sounds pretty good.","start":540.49,"end":541.55,"sentiment":"positive","sentiment_score":0.5770084460576376}],"sentiment":"positive","sentiment_score":0.5770084460576376,"channel":1,"num_words":3,"start":540.49,"end":541.55},{"sentences":[{"text":"Yeah.","start":542.0,"end":542.5,"sentiment":"neutral","sentiment_score":0.23786453902721405},{"text":"All good.","start":542.64,"end":543.46,"sentiment":"positive","sentiment_score":0.3382377177476883},{"text":"Do you have any questions","start":543.83997,"end":545.12,"sentiment":"neutral","sentiment_score":0.10526550710201263}],"sentiment":"neutral","sentiment_score":0.18008343875408173,"channel":0,"num_words":8,"start":542.0,"end":545.12},{"sentences":[{"text":"Retirement","start":544.65,"end":545.15,"sentiment":"neutral","sentiment_score":0.09127973020076752}],"sentiment":"neutral","sentiment_score":0.09127973020076752,"channel":1,"num_words":1,"start":544.65,"end":545.15},{"sentences":[{"text":"or","start":545.12,"end":545.36,"sentiment":"neutral","sentiment_score":0.07247244566679001}],"sentiment":"neutral","sentiment_score":0.07247244566679001,"channel":0,"num_words":1,"start":545.12,"end":545.36},{"sentences":[{"text":"sounds","start":545.21,"end":545.53,"sentiment":"neutral","sentiment_score":0.0475432313978672}],"sentiment":"neutral","sentiment_score":0.0475432313978672,"channel":1,"num_words":1,"start":545.21,"end":545.53},{"sentences":[{"text":"anything?","start":545.36,"end":545.86,"sentiment":"neutral","sentiment_score":0.09018057584762572}],"sentiment":"neutral","sentiment_score":0.09018057584762572,"channel":0,"num_words":1,"start":545.36,"end":545.86},{"sentences":[{"text":"good.","start":545.53,"end":546.03,"sentiment":"neutral","sentiment_score":0.144196018576622}],"sentiment":"neutral","sentiment_score":0.144196018576622,"channel":1,"num_words":1,"start":545.53,"end":546.03},{"sentences":[{"text":"Sorry?","start":546.725,"end":547.225,"sentiment":"neutral","sentiment_score":0.14288920164108276}],"sentiment":"neutral","sentiment_score":0.14288920164108276,"channel":0,"num_words":1,"start":546.725,"end":547.225},{"sentences":[{"text":"Retirement sounds good.","start":549.255,"end":550.635,"sentiment":"positive","sentiment_score":0.333674689133962}],"sentiment":"positive","sentiment_score":0.333674689133962,"channel":1,"num_words":3,"start":549.255,"end":550.635},{"sentences":[{"text":"It does.","start":550.96497,"end":551.685,"sentiment":"neutral","sentiment_score":0.22648371011018753},{"text":"Doesn't it?","start":551.685,"end":552.485,"sentiment":"neutral","sentiment_score":0.12251310050487518},{"text":"It does.","start":552.485,"end":553.20496,"sentiment":"neutral","sentiment_score":0.14946245774626732}],"sentiment":"neutral","sentiment_score":0.1661530894537767,"channel":0,"num_words":6,"start":550.96497,"end":553.20496},{"sentences":[{"text":"Yep.","start":552.85504,"end":553.35504,"sentiment":"neutral","sentiment_score":0.17145535349845886}],"sentiment":"neutral","sentiment_score":0.17145535349845886,"channel":1,"num_words":1,"start":552.85504,"end":553.35504},{"sentences":[{"text":"And look.","start":553.20496,"end":553.685,"sentiment":"neutral","sentiment_score":0.1678001657128334},{"text":"You're getting closer to it.","start":553.685,"end":555.38495,"sentiment":"neutral","sentiment_score":0.28739756643772124}],"sentiment":"neutral","sentiment_score":0.25322688051632475,"channel":0,"num_words":7,"start":553.20496,"end":555.38495},{"sentences":[{"text":"It's going quicker and quicker, I tell you.","start":557.015,"end":559.275,"sentiment":"positive","sentiment_score":0.44182928279042244}],"sentiment":"positive","sentiment_score":0.44182928279042244,"channel":1,"num_words":8,"start":557.015,"end":559.275},{"sentences":[{"text":"It absolutely is.","start":559.62,"end":561.06,"sentiment":"positive","sentiment_score":0.5194720228513082},{"text":"It is.","start":561.06,"end":561.54,"sentiment":"neutral","sentiment_score":0.24854716658592224},{"text":"I swear, as we get older, the years go faster and faster and faster.","start":561.54,"end":564.6,"sentiment":"neutral","sentiment_score":0.10050445954714503}],"sentiment":"neutral","sentiment_score":0.18224067554662102,"channel":0,"num_words":19,"start":559.62,"end":564.6},{"sentences":[{"text":"I certainly do.","start":565.03,"end":566.17004,"sentiment":"neutral","sentiment_score":0.28110015392303467}],"sentiment":"neutral","sentiment_score":0.28110015392303467,"channel":1,"num_words":3,"start":565.03,"end":566.17004},{"sentences":[{"text":"But, no, honestly, look, you're 59 this year.","start":567.62,"end":570.02,"sentiment":"neutral","sentiment_score":-0.029934105463325977},{"text":"So, essentially, when you do","start":570.02,"end":571.8,"sentiment":"neutral","sentiment_score":0.01953363176435232}],"sentiment":"neutral","sentiment_score":-0.010908052683449708,"channel":0,"num_words":13,"start":567.62,"end":571.8},{"sentences":[{"text":"I'm 60","start":571.67004,"end":572.31006,"sentiment":"neutral","sentiment_score":0.02737310342490673}],"sentiment":"neutral","sentiment_score":0.02737310342490673,"channel":1,"num_words":2,"start":571.67004,"end":572.31006},{"sentences":[{"text":"hit that,","start":572.02,"end":572.76,"sentiment":"neutral","sentiment_score":0.012950984761118887}],"sentiment":"neutral","sentiment_score":0.012950984761118887,"channel":0,"num_words":2,"start":572.02,"end":572.76},{"sentences":[{"text":"this year.","start":572.31006,"end":573.13,"sentiment":"neutral","sentiment_score":0.005132986232638359}],"sentiment":"neutral","sentiment_score":0.005132986232638359,"channel":1,"num_words":2,"start":572.31006,"end":573.13},{"sentences":[{"text":"yeah, so when you do hit sort of 60 and beyond, we can look at other strategies.","start":573.795,"end":577.895,"sentiment":"neutral","sentiment_score":0.04526889236534343},{"text":"You're not quite there yet, so we can't sort of factor in the TTR at the moment.","start":577.955,"end":581.815,"sentiment":"neutral","sentiment_score":-0.056229576030198264},{"text":"But when","start":582.275,"end":582.59503,"sentiment":"neutral","sentiment_score":0.057824717834591866}],"sentiment":"neutral","sentiment_score":-0.0019633940731485686,"channel":0,"num_words":36,"start":573.795,"end":582.59503},{"sentences":[{"text":"Yep.","start":582.505,"end":583.005,"sentiment":"neutral","sentiment_score":0.06450894474983215}],"sentiment":"neutral","sentiment_score":0.06450894474983215,"channel":1,"num_words":1,"start":582.505,"end":583.005},{"sentences":[{"text":"you do get to 60, we can factor in additional advice.","start":582.59503,"end":585.635,"sentiment":"neutral","sentiment_score":0.11498147587884557},{"text":"As I kinda mentioned, the trends to your time strategy is great because it allows you to put more money into super, basically trying to maximize that your contributions caps as much as possible, but you're able to access a little bit of that money as well.","start":585.635,"end":599.18,"sentiment":"positive","sentiment_score":0.49196744409013304},{"text":"So you can draw down, keep your take home pay as close as possible to what you've got whilst increasing contributions then.","start":599.18,"end":606.935,"sentiment":"positive","sentiment_score":0.4412395534190265},{"text":"And that kinda works quite well, but not quite there yet.","start":607.315,"end":610.03503,"sentiment":"neutral","sentiment_score":0.17934485524892807},{"text":"You're only 59, so, you know, don't wanna push too hard and","start":610.03503,"end":613.47504,"sentiment":"neutral","sentiment_score":-0.029366754073028762}],"sentiment":"positive","sentiment_score":0.3467468800095534,"channel":0,"num_words":103,"start":582.59503,"end":613.47504},{"sentences":[{"text":"Only","start":613.35504,"end":613.67505,"sentiment":"neutral","sentiment_score":-0.0467793382704258}],"sentiment":"neutral","sentiment_score":-0.0467793382704258,"channel":1,"num_words":1,"start":613.35504,"end":613.67505},{"sentences":[{"text":"make you","start":613.47504,"end":613.875,"sentiment":"neutral","sentiment_score":0.031637340784072876}],"sentiment":"neutral","sentiment_score":0.031637340784072876,"channel":0,"num_words":2,"start":613.47504,"end":613.875},{"sentences":[{"text":"for","start":613.67505,"end":614.155,"sentiment":"neutral","sentiment_score":0.018823564052581787}],"sentiment":"neutral","sentiment_score":0.018823564052581787,"channel":1,"num_words":1,"start":613.67505,"end":614.155},{"sentences":[{"text":"feel older","start":613.875,"end":614.35504,"sentiment":"neutral","sentiment_score":0.00560903176665306}],"sentiment":"neutral","sentiment_score":0.00560903176665306,"channel":0,"num_words":2,"start":613.875,"end":614.35504},{"sentences":[{"text":"only","start":614.155,"end":614.55505,"sentiment":"neutral","sentiment_score":-0.016268528997898102}],"sentiment":"neutral","sentiment_score":-0.016268528997898102,"channel":1,"num_words":1,"start":614.155,"end":614.55505},{"sentences":[{"text":"than you","start":614.35504,"end":614.67505,"sentiment":"neutral","sentiment_score":0.036819253116846085}],"sentiment":"neutral","sentiment_score":0.036819253116846085,"channel":0,"num_words":2,"start":614.35504,"end":614.67505},{"sentences":[{"text":"for","start":614.55505,"end":614.715,"sentiment":"neutral","sentiment_score":0.04157556593418121}],"sentiment":"neutral","sentiment_score":0.04157556593418121,"channel":1,"num_words":1,"start":614.55505,"end":614.715},{"sentences":[{"text":"actually","start":614.67505,"end":614.995,"sentiment":"neutral","sentiment_score":0.02676045149564743}],"sentiment":"neutral","sentiment_score":0.02676045149564743,"channel":0,"num_words":1,"start":614.67505,"end":614.995},{"sentences":[{"text":"another","start":614.715,"end":615.11505,"sentiment":"neutral","sentiment_score":0.028089523315429688}],"sentiment":"neutral","sentiment_score":0.028089523315429688,"channel":1,"num_words":1,"start":614.715,"end":615.11505},{"sentences":[{"text":"are.","start":614.995,"end":615.42,"sentiment":"neutral","sentiment_score":0.01772315800189972}],"sentiment":"neutral","sentiment_score":0.01772315800189972,"channel":0,"num_words":1,"start":614.995,"end":615.42},{"sentences":[{"text":"month.","start":615.11505,"end":615.61505,"sentiment":"neutral","sentiment_score":0.019273366779088977}],"sentiment":"neutral","sentiment_score":0.019273366779088977,"channel":1,"num_words":1,"start":615.11505,"end":615.61505},{"sentences":[{"text":"Only for another month.","start":616.13995,"end":617.1,"sentiment":"neutral","sentiment_score":0.06421184353530407},{"text":"We'll enjoy.","start":617.1,"end":617.74,"sentiment":"positive","sentiment_score":0.47238533198833466},{"text":"Are you gonna do anything fun for your birthday?","start":617.74,"end":619.5,"sentiment":"positive","sentiment_score":0.3662053147951762},{"text":"Do you have anything planned at all?","start":619.5,"end":621.1,"sentiment":"neutral","sentiment_score":0.20358437299728394},{"text":"Or","start":621.1,"end":621.6,"sentiment":"neutral","sentiment_score":0.13011787831783295}],"sentiment":"neutral","sentiment_score":0.26315975480753445,"channel":0,"num_words":23,"start":616.13995,"end":621.6},{"sentences":[{"text":"I had to call the bees in the backyard.","start":622.21,"end":623.83,"sentiment":"neutral","sentiment_score":0.14882148388359281}],"sentiment":"neutral","sentiment_score":0.14882148388359281,"channel":1,"num_words":9,"start":622.21,"end":623.83},{"sentences":[{"text":"yeah.","start":624.77997,"end":625.27997,"sentiment":"neutral","sentiment_score":0.06300832331180573},{"text":"You're gonna go out for","start":625.66,"end":626.54,"sentiment":"neutral","sentiment_score":0.05092585384845734}],"sentiment":"neutral","sentiment_score":0.052939598759015404,"channel":0,"num_words":6,"start":624.77997,"end":626.54},{"sentences":[{"text":"Not","start":626.45,"end":626.69,"sentiment":"neutral","sentiment_score":-0.012692272663116457}],"sentiment":"neutral","sentiment_score":-0.012692272663116457,"channel":1,"num_words":1,"start":626.45,"end":626.69},{"sentences":[{"text":"dinner","start":626.54,"end":626.86,"sentiment":"neutral","sentiment_score":-0.026510927826166153}],"sentiment":"neutral","sentiment_score":-0.026510927826166153,"channel":0,"num_words":1,"start":626.54,"end":626.86},{"sentences":[{"text":"quite.","start":626.69,"end":627.19,"sentiment":"neutral","sentiment_score":-0.07921715080738068}],"sentiment":"neutral","sentiment_score":-0.07921715080738068,"channel":1,"num_words":1,"start":626.69,"end":627.19},{"sentences":[{"text":"or do anything?","start":626.86,"end":627.68,"sentiment":"neutral","sentiment_score":-0.043510780980189644},{"text":"No?","start":627.82,"end":628.3,"sentiment":"neutral","sentiment_score":-0.09037137031555176},{"text":"Not quite one.","start":628.3,"end":629.235,"sentiment":"neutral","sentiment_score":-0.18864708145459494}],"sentiment":"neutral","sentiment_score":-0.11240642251712936,"channel":0,"num_words":7,"start":626.86,"end":629.235},{"sentences":[{"text":"No.","start":629.01,"end":629.51,"sentiment":"neutral","sentiment_score":-0.24831590056419373},{"text":"Couldn't be bothered.","start":629.57,"end":630.63,"sentiment":"neutral","sentiment_score":-0.25276490052541095}],"sentiment":"neutral","sentiment_score":-0.25165265053510666,"channel":1,"num_words":4,"start":629.01,"end":630.63},{"sentences":[{"text":"No.","start":632.515,"end":632.915,"sentiment":"neutral","sentiment_score":-0.1032937839627266},{"text":"All good.","start":632.915,"end":633.39496,"sentiment":"neutral","sentiment_score":0.07213644310832024},{"text":"We'll we'll put this in place there for you if you're happy to go ahead with it.","start":633.39496,"end":636.595,"sentiment":"neutral","sentiment_score":0.24915776708546808},{"text":"We'll review it.","start":636.595,"end":637.235,"sentiment":"neutral","sentiment_score":0.15412916243076324},{"text":"Did you want me to review it in about six or twelve months with you?","start":637.235,"end":639.95496,"sentiment":"neutral","sentiment_score":0.07389966050783793}],"sentiment":"neutral","sentiment_score":0.15388272467412448,"channel":0,"num_words":38,"start":632.515,"end":639.95496},{"sentences":[{"text":"What would you like to see moving forward?","start":639.95496,"end":641.975,"sentiment":"neutral","sentiment_score":0.08822958916425705}],"sentiment":"neutral","sentiment_score":0.08822958916425705,"channel":0,"num_words":8,"start":639.95496,"end":641.975},{"sentences":[{"text":"Yeah.","start":642.715,"end":643.215,"sentiment":"neutral","sentiment_score":0.1595388650894165},{"text":"Six months will be good.","start":643.275,"end":644.655,"sentiment":"neutral","sentiment_score":0.23997155725955963}],"sentiment":"neutral","sentiment_score":0.22656610856453577,"channel":1,"num_words":6,"start":642.715,"end":644.655},{"sentences":[{"text":"Six months?","start":645.1,"end":645.9,"sentiment":"neutral","sentiment_score":0.1203564815223217},{"text":"Yeah.","start":645.9,"end":646.14,"sentiment":"positive","sentiment_score":0.41305994987487793},{"text":"Beautiful.","start":646.14,"end":646.64,"sentiment":"positive","sentiment_score":0.586288332939148},{"text":"And then we can have a bit of a look at what else we can do put in place, and how we can kind of boost your super there.","start":646.94,"end":652.46,"sentiment":"positive","sentiment_score":0.37993268822801524},{"text":"So you've realistically only got about, you know, seven and a half, not even not even quite eight years there before you're accessing your super at 67 and being able to apply for age pension.","start":652.46,"end":662.695,"sentiment":"neutral","sentiment_score":0.17744688125593322}],"sentiment":"neutral","sentiment_score":0.2715992654180702,"channel":0,"num_words":68,"start":645.1,"end":662.695},{"sentences":[{"text":"So we'll look at what we can do to kind of boost that in that time frame.","start":662.695,"end":665.915,"sentiment":"neutral","sentiment_score":0.08676445527988322},{"text":"Okay?","start":666.055,"end":666.555,"sentiment":"neutral","sentiment_score":0.07792837917804718}],"sentiment":"neutral","sentiment_score":0.08627356216311455,"channel":0,"num_words":18,"start":662.695,"end":666.555},{"sentences":[{"text":"Yep.","start":666.58496,"end":667.08496,"sentiment":"neutral","sentiment_score":0.21120016276836395}],"sentiment":"neutral","sentiment_score":0.21120016276836395,"channel":1,"num_words":1,"start":666.58496,"end":667.08496},{"sentences":[{"text":"All good.","start":667.895,"end":668.71497,"sentiment":"positive","sentiment_score":0.5001141428947449},{"text":"All of our advice is updated for you because you're an ongoing service client.","start":669.29,"end":673.69,"sentiment":"neutral","sentiment_score":0.25071401574781965},{"text":"You do pay the ongoing service fee to our services there.","start":673.69,"end":676.41,"sentiment":"neutral","sentiment_score":0.13155627927996896},{"text":"It is 1.65% per annum.","start":676.41,"end":678.67,"sentiment":"neutral","sentiment_score":0.11230573654174805},{"text":"That's all being factored into the advice and the projections there as well.","start":678.88995,"end":682.485,"sentiment":"neutral","sentiment_score":0.20000457419798925}],"sentiment":"neutral","sentiment_score":0.2026429272360272,"channel":0,"num_words":45,"start":667.895,"end":682.485},{"sentences":[{"text":"There's no implementation costing for this advice.","start":682.64496,"end":685.605,"sentiment":"neutral","sentiment_score":0.1627097949385643},{"text":"It's all complimentary.","start":685.605,"end":686.505,"sentiment":"positive","sentiment_score":0.4241799016793569},{"text":"It's been a client of ours and making sure it's all working harder for you.","start":686.565,"end":690.02496,"sentiment":"neutral","sentiment_score":0.3023962726195653},{"text":"This is a nice, fairly simple document.","start":690.245,"end":692.165,"sentiment":"positive","sentiment_score":0.6168455992426191},{"text":"It's a bit of an investment switch in looking at the current outcome projected in retirement there at age 57 based on your current scenario.","start":692.165,"end":700.63995,"sentiment":"neutral","sentiment_score":0.22918457806110382}],"sentiment":"neutral","sentiment_score":0.29815764921276194,"channel":0,"num_words":57,"start":682.64496,"end":700.63995},{"sentences":[{"text":"But is there anything else that you kind of wanted to ask or needed me to sort of work on for you while you've got me here, or you're just sort of happy to take that and have a bit of a look at it?","start":700.77997,"end":710.145,"sentiment":"neutral","sentiment_score":0.18859730396005842}],"sentiment":"neutral","sentiment_score":0.18859730396005842,"channel":0,"num_words":45,"start":700.77997,"end":710.145},{"sentences":[{"text":"Just take it and have a look at it.","start":710.935,"end":712.875,"sentiment":"neutral","sentiment_score":0.16832737459076774}],"sentiment":"neutral","sentiment_score":0.16832737459076774,"channel":1,"num_words":9,"start":710.935,"end":712.875},{"sentences":[{"text":"Yeah.","start":713.42505,"end":713.825,"sentiment":"neutral","sentiment_score":0.27485689520835876},{"text":"Beautiful.","start":713.825,"end":714.305,"sentiment":"positive","sentiment_score":0.5207947492599487},{"text":"If you do find you have any questions, let me know.","start":714.305,"end":716.965,"sentiment":"neutral","sentiment_score":0.22961855747482993},{"text":"If you're happy just to take on those recommendations, I'll get you to sign the document, return it back, and we'll have that implemented nice and quickly.","start":717.10504,"end":723.92505,"sentiment":"positive","sentiment_score":0.3788974191303606},{"text":"It'll be good to get you out of that along that investment has been underperforming pretty significantly.","start":724.32,"end":729.22003,"sentiment":"neutral","sentiment_score":0.13216114131843343}],"sentiment":"neutral","sentiment_score":0.2771653595723604,"channel":0,"num_words":57,"start":713.42505,"end":729.22003},{"sentences":[{"text":"So moving","start":729.44,"end":730.08,"sentiment":"neutral","sentiment_score":0.15236879885196686}],"sentiment":"neutral","sentiment_score":0.15236879885196686,"channel":0,"num_words":2,"start":729.44,"end":730.08},{"sentences":[{"text":"Yep.","start":730.08,"end":730.58,"sentiment":"neutral","sentiment_score":0.1986905038356781}],"sentiment":"neutral","sentiment_score":0.1986905038356781,"channel":1,"num_words":1,"start":730.08,"end":730.58},{"sentences":[{"text":"you out of that and moving you into another portfolio that's been working better, we'll hopefully see that perform nicer and yeah.","start":730.08,"end":738.385,"sentiment":"neutral","sentiment_score":0.29386546259576624},{"text":"Hopefully, Marcus work in our favor this year.","start":738.385,"end":740.385,"sentiment":"positive","sentiment_score":0.40711288526654243},{"text":"It'd be nice if we saw some stability out of it instead of the ups and downs we're being all noticing.","start":740.385,"end":744.40497,"sentiment":"neutral","sentiment_score":0.20194328540847414}],"sentiment":"neutral","sentiment_score":0.27377945593759123,"channel":0,"num_words":51,"start":730.08,"end":744.40497},{"sentences":[{"text":"Yeah.","start":745.435,"end":745.675,"sentiment":"neutral","sentiment_score":0.1454479992389679},{"text":"True.","start":745.675,"end":746.175,"sentiment":"neutral","sentiment_score":0.20176738500595093}],"sentiment":"neutral","sentiment_score":0.1736076921224594,"channel":1,"num_words":2,"start":745.435,"end":746.175},{"sentences":[{"text":"All good.","start":748.6,"end":749.32,"sentiment":"neutral","sentiment_score":0.2598528265953064},{"text":"Well, that's basically everything I needed to go through with you.","start":749.32,"end":752.62,"sentiment":"neutral","sentiment_score":0.11826172200116244},{"text":"I'll let you go.","start":753.0,"end":753.88,"sentiment":"neutral","sentiment_score":0.12722942605614662},{"text":"Have a bit of a read through that one, and then do let me know if you do happen to have the additional questions.","start":753.88,"end":758.2,"sentiment":"neutral","sentiment_score":0.13931720424443483},{"text":"We've outlined the advantages, disadvantages, and the risks involved in there for you as well.","start":758.2,"end":762.6,"sentiment":"neutral","sentiment_score":0.1167537206163009}],"sentiment":"neutral","sentiment_score":0.1325789466167667,"channel":0,"num_words":56,"start":748.6,"end":762.6},{"sentences":[{"text":"Okay?","start":762.6,"end":763.1,"sentiment":"neutral","sentiment_score":0.11320339143276216}],"sentiment":"neutral","sentiment_score":0.11320339143276216,"channel":0,"num_words":1,"start":762.6,"end":763.1},{"sentences":[{"text":"Yep.","start":764.055,"end":764.175,"sentiment":"neutral","sentiment_score":0.11155837774276732},{"text":"No drums.","start":764.175,"end":764.795,"sentiment":"neutral","sentiment_score":0.10742488503456116}],"sentiment":"neutral","sentiment_score":0.10880271593729655,"channel":1,"num_words":3,"start":764.055,"end":764.795},{"sentences":[{"text":"Easy.","start":766.02496,"end":766.425,"sentiment":"neutral","sentiment_score":0.2532302737236023},{"text":"Give me a call if you do have any questions or concerns there, Doug.","start":766.425,"end":769.385,"sentiment":"neutral","sentiment_score":0.16134759624089515},{"text":"But you have a good afternoon.","start":769.385,"end":771.005,"sentiment":"positive","sentiment_score":0.4111091420054436},{"text":"Are you finished now, or you got a bit more work to do?","start":771.225,"end":773.725,"sentiment":"neutral","sentiment_score":-0.06124055901399025}],"sentiment":"neutral","sentiment_score":0.1230183589984389,"channel":0,"num_words":34,"start":766.02496,"end":773.725},{"sentences":[{"text":"I got a bit more work to do.","start":774.21497,"end":775.915,"sentiment":"neutral","sentiment_score":-0.011537386104464531},{"text":"Not a bad","start":776.09,"end":776.91003,"sentiment":"neutral","sentiment_score":0.10686739285786946}],"sentiment":"neutral","sentiment_score":0.020754826339808376,"channel":1,"num_words":11,"start":774.21497,"end":776.91003},{"sentences":[{"text":"Yeah.","start":776.44,"end":776.94,"sentiment":"neutral","sentiment_score":0.1755596548318863},{"text":"Yeah.","start":778.12,"end":778.44,"sentiment":"neutral","sentiment_score":0.31295889616012573},{"text":"Beautiful.","start":778.44,"end":778.94,"sentiment":"positive","sentiment_score":0.7380056381225586},{"text":"Well, you enjoy","start":779.4,"end":780.2,"sentiment":"positive","sentiment_score":0.715292771657308}],"sentiment":"positive","sentiment_score":0.5620670840144157,"channel":0,"num_words":6,"start":776.44,"end":780.2},{"sentences":[{"text":"idea.","start":780.17,"end":780.67,"sentiment":"positive","sentiment_score":0.7358274459838867}],"sentiment":"positive","sentiment_score":0.7358274459838867,"channel":1,"num_words":1,"start":780.17,"end":780.67},{"sentences":[{"text":"that.","start":780.2,"end":780.68,"sentiment":"positive","sentiment_score":0.4846363663673401},{"text":"Have a good day, and I'll talk to you very soon.","start":780.68,"end":782.94,"sentiment":"positive","sentiment_score":0.5794432894750075}],"sentiment":"positive","sentiment_score":0.5715427125493685,"channel":0,"num_words":12,"start":780.2,"end":782.94},{"sentences":[{"text":"Alright.","start":783.53,"end":784.01,"sentiment":"positive","sentiment_score":0.4219253957271576},{"text":"Thank you.","start":784.01,"end":784.67,"sentiment":"positive","sentiment_score":0.731011152267456}],"sentiment":"positive","sentiment_score":0.6279825667540232,"channel":1,"num_words":3,"start":783.53,"end":784.67},{"sentences":[{"text":"Thanks for your time.","start":785.0,"end":785.96,"sentiment":"positive","sentiment_score":0.7659211307764053},{"text":"See you later.","start":785.96,"end":786.76,"sentiment":"positive","sentiment_score":0.5785779158274332},{"text":"Bye.","start":786.76,"end":787.26,"sentiment":"neutral","sentiment_score":0.2726636826992035}],"sentiment":"positive","sentiment_score":0.6340102441608906,"channel":0,"num_words":8,"start":785.0,"end":787.26},{"sentences":[{"text":"Bye bye.","start":787.37,"end":788.03,"sentiment":"neutral","sentiment_score":0.006351247429847717}],"sentiment":"neutral","sentiment_score":0.006351247429847717,"channel":1,"num_words":2,"start":787.37,"end":788.03}]},"summary":{"result":"success","short":"The speaker discusses their busy day and lack of access to emails, recommending books and emails to read. They emphasize the importance of maintaining a balanced risk profile and rebalancing their portfolio to achieve maximum returns. The agent recommends staying within Net adverse and replacing the Bennelong Australian Equities with the Presentations C, and emphasizes the importance of maintaining retirement goals and risk tolerance. They also discuss updating retirement goals and risk tolerance and offer to review retirement plans and provide more information if needed."},"intents":{"segments":[{"text":"And then I've emailed you the document as well, so you're welcome to have a bit of a look at it, run your eyes over it. Let me know if you do happen to have any questions, and if you're happy to take those recommendations on board for your investments, please, then we can I'll get you to sign, return it back, and we'll process it for you nice and quickly. Okay? Yep.","start_word":95,"end_word":167,"intents":[{"intent":"Communicate information effectively","confidence_score":0.0000069480793}]},{"text":"So you've got about 70% growth assets wanting to make sure you're getting good growth and returns out of your portfolio, but then 30% in those defensive assets and making sure that you are also protecting your capital and, you know, having some of those low risk investments as well. Does that make sense?","start_word":1008,"end_word":1061,"intents":[{"intent":"Manage portfolio finances","confidence_score":0.0000318605}]},{"text":"But moving forward, we can look at other areas and other, you know, other advice around additional contributions, maybe looking at putting some more into super. When you turn 60, look at other strategies like that transfer retirement strategy as well.","start_word":1384,"end_word":1424,"intents":[{"intent":"Discuss strategies","confidence_score":0.0063904976}]},{"text":"So you can increase your contributions in, and we try to pull a little bit out to, you know, even at your income as well as making more contributions to super there.","start_word":1424,"end_word":1455,"intents":[{"intent":"Increase contributions","confidence_score":0.034676857}]},{"text":"So we'll start by just doing the investment switch for you, then we'll sort of track forward and look at how the performance is, how everything's going over the next sort of six to twelve months, and then look at whether there's any new strategies we can put in place to help boost this super moving forward. Does that sound okay?","start_word":1521,"end_word":1581,"intents":[{"intent":"Track performance","confidence_score":0.7563522}]},{"text":"Do you have any questions at the moment?","start_word":1585,"end_word":1592,"intents":[{"intent":"Ask questions","confidence_score":0.26328346}]},{"text":"So it's just about involving the advice and involving your strategy as we work towards your goals. And then as we get closer and closer, we'll look at other strategies to help boost your super and put you in a better position to give you the best possible retirement. Yeah.","start_word":1674,"end_word":1723,"intents":[{"intent":"Involve advice","confidence_score":0.009762281},{"intent":"Improve retirement","confidence_score":0.055264242}]},{"text":"I swear, as we get older, the years go faster and faster and faster. I certainly do.","start_word":1776,"end_word":1792,"intents":[{"intent":"Evaluate age effectiveness","confidence_score":7.517578e-7}]},{"text":"As I kinda mentioned, the trends to your time strategy is great because it allows you to put more money into super, basically trying to maximize that your contributions caps as much as possible, but you're able to access a little bit of that money as well. So you can draw down, keep your take home pay as close as possible to what you've got whilst increasing contributions then.","start_word":1859,"end_word":1927,"intents":[{"intent":"Maximize contributions","confidence_score":0.29493368}]},{"text":"We'll review it. Did you want me to review it in about six or twelve months with you? What would you like to see moving forward? Yeah.","start_word":2037,"end_word":2063,"intents":[{"intent":"Review plan","confidence_score":0.29515606}]},{"text":"So we'll look at what we can do to kind of boost that in that time frame. Okay? Yep.","start_word":2138,"end_word":2156,"intents":[{"intent":"Enhance service","confidence_score":0.01190809}]},{"text":"This is a nice, fairly simple document. It's a bit of an investment switch in looking at the current outcome projected in retirement there at age 57 based on your current scenario.","start_word":2226,"end_word":2257,"intents":[{"intent":"Review document","confidence_score":0.023406746}]},{"text":"But is there anything else that you kind of wanted to ask or needed me to sort of work on for you while you've got me here, or you're just sort of happy to take that and have a bit of a look at it? Just take it and have a look at it. Yeah.","start_word":2258,"end_word":2312,"intents":[{"intent":"Work on recommendations","confidence_score":0.24895954}]},{"text":"If you're happy just to take on those recommendations, I'll get you to sign the document, return it back, and we'll have that implemented nice and quickly.","start_word":2325,"end_word":2351,"intents":[{"intent":"Return document","confidence_score":0.05688562}]},{"text":"out of that and moving you into another portfolio that's been working better, we'll hopefully see that perform nicer and yeah.","start_word":2373,"end_word":2393,"intents":[{"intent":"Perform better","confidence_score":0.007358032}]},{"text":"We've outlined the advantages, disadvantages, and the risks involved in there for you as well. Okay? Yep.","start_word":2466,"end_word":2482,"intents":[{"intent":"Explain advantages","confidence_score":0.013782436},{"intent":"Understand risks","confidence_score":0.025062466}]},{"text":"Give me a call if you do have any questions or concerns there, Doug.","start_word":2486,"end_word":2499,"intents":[{"intent":"Ask questions","confidence_score":0.014148322}]}]},"sentiments":{"segments":[{"text":"Finally. Hi.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.1392180621623993},{"text":"Good afternoon, Douglas. How are you? You're all good.","start_word":2,"end_word":10,"sentiment":"positive","sentiment_score":0.4552731215953827},{"text":"You've had a busy day. I've been busy. Well, I'm sitting on a tractor and I can't I've been here a tractor and I can't hear anything. Yeah. No. That's okay. That's not a problem at all. So because you're on the track, dad, you don't have access to your emails at the moment. No. I don't. No. That's okay. That's not a problem at all. If you like what I'll do, I'll run you through the recommendations. I'll try not to overcomplicate it. And then I've emailed you the document as well, so you're welcome to have a bit of a look at it, run your eyes over it. Let me know if you do happen to have any questions, and if you're happy to take those recommendations on board for your investments, please, then we can I'll get you to sign, return it back, and we'll process it for you nice and quickly. Okay? Yep. Yep.","start_word":11,"end_word":168,"sentiment":"neutral","sentiment_score":0.11292517185211182},{"text":"Excellent.","start_word":169,"end_word":169,"sentiment":"positive","sentiment_score":0.5469681024551392},{"text":"So what I'll do is I'll run you through these. If you do find you have any questions as we're going through it, let me know. I'll try not to overcomplicate it, and then I'll let you go back and have a really good read of it. Okay? Yep. Yep. Easy. So with the document here, when you do receive it, it has been dated for yourself as of the 06/15/2026. Our documents are valid for sixty days. So in all honesty, if you get busy and you need a bit more time, absolutely fine. Just let me know. We'll just double check if circumstances haven't changed majorly. Okay? Yep. On the bottom of the document, it has noted that has been prepared by myself and my beautiful team here at OKIE Financial. My registration number with ASIC is 1304394. Okay.","start_word":170,"end_word":310,"sentiment":"neutral","sentiment_score":0.1594378501176834},{"text":"They are fantastic too.","start_word":311,"end_word":314,"sentiment":"positive","sentiment_score":0.6635171175003052},{"text":"Sorry. What was that?","start_word":315,"end_word":318,"sentiment":"neutral","sentiment_score":0.01620343327522278},{"text":"I am fantastic too.","start_word":319,"end_word":322,"sentiment":"positive","sentiment_score":0.4355081617832184},{"text":"With regards to the advice, we have disturbed in superannuation. So as we kinda went through your annual review, we had a bit of a chat about some of the underperforming investments. I'm just having a look at where you're sort of tracking with regards to your goals there. You do have an investment property, and you're sort of hoping in the next five years, if this is still the same, that you're wanting to sell that property and utilize the the growth to pay off your mortgage. Is that still what you're hoping to do with your investment property there? I've I've got a property. Mortgage property. Oh, yes. Sorry. And you're hoping to pay that down beforehand? Before retirement? Yeah. Yeah. Yes. It'd be Beautiful. Can you hear me okay? Sorry. nice. The phone's a little bit crackly. Bit more volume. Be good. Yeah. That's okay. Can you hear me better Yep. now? Yeah.","start_word":323,"end_word":478,"sentiment":"neutral","sentiment_score":-0.07292606681585312},{"text":"Beautiful. Awesome.","start_word":479,"end_word":480,"sentiment":"positive","sentiment_score":0.43220198154449463},{"text":"Let me know if it does sort of break up a little bit because I'll just keep talking and you won't even I won't even know. I Yep. only Yep. noticed before because it was sort of breaking into that a little bit. So, essentially, with this one here, we are looking at scoping your superannuation and just making sure that your super is working harder for you. So I did have a look at your net wealth super fund as well as all the other ones out there. Having you look at how everything has been performing and realistically moving out of net worth. Net wealth is not preferable as of now. We're gonna look at retaining Netwealth Super for you. It is a great fund, and I wanna see moving into any other funds now would increase the capital gains consequences for you. Okay? So I'm Yep. recommending you a stay within Netwealth there, but we're gonna do a bit of an investment switch here. So we're gonna sell off some of your investments. We're gonna keep essentially, just to break this down, make it nice and easy for you because we don't wanna make it too overcomplicated, but the Bennelong Australian Equities has been underperforming, so we're removing all of that from your portfolio and then just doing a bit of a quick rebalance there for you. Because Bennelong has been underperforming, we're gonna replace that with the BetaShares a 200. That's essentially increasing your exposure into the Australian equities and having you as greater providing greater diversification. So instead of having exposure to 15 to 25 different Australian equities, you're gonna have exposure to over 200.","start_word":481,"end_word":760,"sentiment":"neutral","sentiment_score":0.04540383736602962},{"text":"So it helps to lower the risk of your portfolio and gives you greater diversification. And the Australian two 100 is a cheaper investment as well, so it helps to lower your fees within the super fund.","start_word":761,"end_word":797,"sentiment":"positive","sentiment_score":0.48765701055526733},{"text":"Okay? Yep. Within that, just rebalancing a couple of the other investments. So you've got some bank hybrids there. We're retaining and buying a few more in there just to bring your level back up to 12% because you are in that growth exposure. We wanna make sure you've got some defensive assets and lower risk investments. We're gonna rebalance and buy into the beta shares rapid 200 as well, just making sure you've got some exposure to mid cap stocks there. We've got some cybersecurity. So the S and P 500 and the iShares deal plus, so just buying a bit more into that to rebalance you a little bit and selling off some global infrastructure there as well. And physical gold has done really well, but you're a bit overexposed there. So we're just gonna bring that back down to 8%. So, essentially, rebalancing your portfolio just to make sure that you stay in line with your growth risk profile. Does that make sense? Yep. Yep. Yeah.","start_word":798,"end_word":966,"sentiment":"neutral","sentiment_score":0.13354527950286865},{"text":"Beautiful.","start_word":967,"end_word":967,"sentiment":"positive","sentiment_score":0.4574614763259888},{"text":"Now because you are in that kind of growth area, we're actually sort of making sure your your balance growth, sorry, is more around that sort of seventy thirty split and making sure we have that is keeping it.","start_word":968,"end_word":1006,"sentiment":"neutral","sentiment_score":0.17901208996772766},{"text":"So you've got about 70% growth assets wanting to make sure you're getting good growth and returns out of your portfolio, but then 30% in those defensive assets and making sure that you are also protecting your capital and, you know, having some of those low risk investments as well.","start_word":1007,"end_word":1056,"sentiment":"positive","sentiment_score":0.33784714341163635},{"text":"Does that make sense? Does that still feel fairly comfortable for where you're at? Yep.","start_word":1057,"end_word":1071,"sentiment":"neutral","sentiment_score":0.2563677728176117},{"text":"Yep. Beautiful.","start_word":1072,"end_word":1073,"sentiment":"positive","sentiment_score":0.4625917375087738},{"text":"Now having a look because then along has been underperforming pretty significantly here, we had a good look at the capital gains consequences because your super fund, like you, does a tax return every year, and there are taxes involved with buying and selling investments.","start_word":1074,"end_word":1118,"sentiment":"neutral","sentiment_score":0.15262247622013092},{"text":"Your super fund will have no CGT consequences there, so that is a benefit for you.","start_word":1119,"end_word":1134,"sentiment":"positive","sentiment_score":0.4189777374267578},{"text":"And by making the switch, the investment fees are expected to reduce by $243 per year. So that is sorry. That is also another benefit for you. Okay? Yep. We also noted that the five year rolling average, when we compare your current portfolio with the recommended, the newer portfolio has has seen a greater past sorry, greater past performance.","start_word":1135,"end_word":1194,"sentiment":"neutral","sentiment_score":0.16320572793483734},{"text":"So when we project that forward over the next sort of five to eight years towards your goal of accessing super at 67, we can see this portfolio as long as it performs the same way, putting you in a much greater position, which is a benefit as well.","start_word":1195,"end_word":1243,"sentiment":"positive","sentiment_score":0.4523302614688874},{"text":"Okay? Yep. I did sort of have a look at projecting to age 67 just to see where we were tracking there, having a bit of a look based on your current circumstances. We also wanted to look at whether you were gonna be eligible for age pension there.","start_word":1244,"end_word":1292,"sentiment":"neutral","sentiment_score":0.13307209312915802},{"text":"Having a look at your circumstances, you should have no problem with that getting some age pension and then supplementing some of your super.","start_word":1293,"end_word":1316,"sentiment":"positive","sentiment_score":0.3724231719970703},{"text":"We are sort of looking at trying to get an income of about $1,000 per week in retirement there. Having a look at where we are projected, it looks like at the moment, we are a little bit under projected. So we're able to average at the moment, an income per year is about $43,001.63. So it is essentially 8,000 less than your target income there. But moving forward, we can look at other areas and other, you know, other advice around additional contributions, maybe looking at putting some more into super. When you turn 60, look at other strategies like that transfer retirement strategy as well. So you can increase your contributions in, and we try to pull a little bit out to, you know, even at your income as well as making more contributions to super there. But all these strategies do sort of have to be factored in a bit more down the track. At the moment, you weren't able to sort of make any more additional contributions to super over and above what you are. Your mortgage is important to pay down there as well. And then also just making sure that, you know, things are working harder for you. So we'll start by just doing the investment switch for you, then we'll sort of track forward and look at how the performance is, how everything's going over the next sort of six to twelve months, and then look at whether there's any new strategies we can put in place to help boost this super moving forward. Does that sound okay? Yep. Yep.","start_word":1317,"end_word":1583,"sentiment":"neutral","sentiment_score":0.08300049050470416},{"text":"Beautiful.","start_word":1584,"end_word":1584,"sentiment":"positive","sentiment_score":0.41492509841918945},{"text":"Do you have any questions at the moment? Try not to overcomplicate those investments switches. No. See, Is I'm there pretty anything straightforward. you wanted to kinda ask? Yeah. I mean, at the end of the day, making sure that the investments are working harder and investments that you were in when you first came on board or even last year do need to be updated on a regular basis, and the investments in what you in now might need to be changed in the future there as well. So it's just about involving the advice and involving your strategy as we work towards your goals. And then as we get closer and closer, we'll look at other strategies to help boost your super and put you in a better position to give you the best possible retirement. Yeah. How does that sound?","start_word":1585,"end_word":1727,"sentiment":"neutral","sentiment_score":0.10694997757673264},{"text":"Sounds pretty good.","start_word":1728,"end_word":1730,"sentiment":"positive","sentiment_score":0.556578516960144},{"text":"Yeah. All good. Do you have any questions Retirement or sounds anything? good. Sorry? Retirement sounds good. It does. Doesn't it? It does. Yep. And look. You're getting closer to it.","start_word":1731,"end_word":1761,"sentiment":"neutral","sentiment_score":0.192468985915184},{"text":"It's going quicker and quicker, I tell you. It absolutely is.","start_word":1762,"end_word":1772,"sentiment":"positive","sentiment_score":0.4471858739852905},{"text":"It is. I swear, as we get older, the years go faster and faster and faster. I certainly do. But, no, honestly, look, you're 59 this year. So, essentially, when you do I'm 60 hit that, this year. yeah, so when you do hit sort of 60 and beyond, we can look at other strategies. You're not quite there yet, so we can't sort of factor in the TTR at the moment. But when Yep. you do get to 60, we can factor in additional advice.","start_word":1773,"end_word":1858,"sentiment":"neutral","sentiment_score":0.038877777062183205},{"text":"As I kinda mentioned, the trends to your time strategy is great because it allows you to put more money into super, basically trying to maximize that your contributions caps as much as possible, but you're able to access a little bit of that money as well. So you can draw down, keep your take home pay as close as possible to what you've got whilst increasing contributions then.","start_word":1859,"end_word":1927,"sentiment":"positive","sentiment_score":0.4678087830543518},{"text":"And that kinda works quite well, but not quite there yet. You're only 59, so, you know, don't wanna push too hard and Only make you for feel older only than you for actually another are. month. Only for another month.","start_word":1928,"end_word":1968,"sentiment":"neutral","sentiment_score":0.05080489814281464},{"text":"We'll enjoy. Are you gonna do anything fun for your birthday?","start_word":1969,"end_word":1979,"sentiment":"positive","sentiment_score":0.3968477845191955},{"text":"Do you have anything planned at all? Or I had to call the bees in the backyard. yeah. You're gonna go out for Not dinner quite. or do anything? No? Not quite one. No. Couldn't be bothered. No. All good. We'll we'll put this in place there for you if you're happy to go ahead with it. We'll review it. Did you want me to review it in about six or twelve months with you? What would you like to see moving forward? Yeah. Six months will be good. Six months?","start_word":1980,"end_word":2070,"sentiment":"neutral","sentiment_score":0.08756861090660095},{"text":"Yeah. Beautiful. And then we can have a bit of a look at what else we can do put in place, and how we can kind of boost your super there.","start_word":2071,"end_word":2101,"sentiment":"positive","sentiment_score":0.3870413899421692},{"text":"So you've realistically only got about, you know, seven and a half, not even not even quite eight years there before you're accessing your super at 67 and being able to apply for age pension. So we'll look at what we can do to kind of boost that in that time frame. Okay? Yep.","start_word":2102,"end_word":2155,"sentiment":"neutral","sentiment_score":0.15453092284776546},{"text":"All good.","start_word":2156,"end_word":2157,"sentiment":"positive","sentiment_score":0.4948712289333343},{"text":"All of our advice is updated for you because you're an ongoing service client. You do pay the ongoing service fee to our services there. It is 1.65% per annum. That's all being factored into the advice and the projections there as well. There's no implementation costing for this advice.","start_word":2158,"end_word":2207,"sentiment":"neutral","sentiment_score":0.18118983507156372},{"text":"It's all complimentary.","start_word":2208,"end_word":2210,"sentiment":"positive","sentiment_score":0.4215702414512634},{"text":"It's been a client of ours and making sure it's all working harder for you.","start_word":2211,"end_word":2225,"sentiment":"neutral","sentiment_score":0.3095584213733673},{"text":"This is a nice, fairly simple document.","start_word":2226,"end_word":2232,"sentiment":"positive","sentiment_score":0.6274380087852478},{"text":"It's a bit of an investment switch in looking at the current outcome projected in retirement there at age 57 based on your current scenario. But is there anything else that you kind of wanted to ask or needed me to sort of work on for you while you've got me here, or you're just sort of happy to take that and have a bit of a look at it? Just take it and have a look at it. Yeah.","start_word":2233,"end_word":2312,"sentiment":"neutral","sentiment_score":0.20797231793403623},{"text":"Beautiful.","start_word":2313,"end_word":2313,"sentiment":"positive","sentiment_score":0.5207947492599487},{"text":"If you do find you have any questions, let me know.","start_word":2314,"end_word":2324,"sentiment":"neutral","sentiment_score":0.21912916004657745},{"text":"If you're happy just to take on those recommendations, I'll get you to sign the document, return it back, and we'll have that implemented nice and quickly.","start_word":2325,"end_word":2351,"sentiment":"positive","sentiment_score":0.3696282207965851},{"text":"It'll be good to get you out of that along that investment has been underperforming pretty significantly. So moving you Yep. out of that and moving you into another portfolio that's been working better, we'll hopefully see that perform nicer and yeah.","start_word":2352,"end_word":2393,"sentiment":"neutral","sentiment_score":0.22958865761756897},{"text":"Hopefully, Marcus work in our favor this year.","start_word":2394,"end_word":2401,"sentiment":"positive","sentiment_score":0.3833155333995819},{"text":"It'd be nice if we saw some stability out of it instead of the ups and downs we're being all noticing. Yeah. True. All good. Well, that's basically everything I needed to go through with you. I'll let you go. Have a bit of a read through that one, and then do let me know if you do happen to have the additional questions. We've outlined the advantages, disadvantages, and the risks involved in there for you as well. Okay? Yep. No drums. Easy. Give me a call if you do have any questions or concerns there, Doug.","start_word":2402,"end_word":2499,"sentiment":"neutral","sentiment_score":0.15279839932918549},{"text":"But you have a good afternoon.","start_word":2500,"end_word":2505,"sentiment":"positive","sentiment_score":0.4192326068878174},{"text":"Are you finished now, or you got a bit more work to do? I got a bit more work to do. Not a bad Yeah. Yeah.","start_word":2506,"end_word":2531,"sentiment":"neutral","sentiment_score":0.008977261371910572},{"text":"Beautiful. Well, you enjoy idea. that. Have a good day, and I'll talk to you very soon. Alright. Thank you. Thanks for your time. See you later.","start_word":2532,"end_word":2558,"sentiment":"positive","sentiment_score":0.6236177682876587},{"text":"Bye. Bye bye.","start_word":2559,"end_word":2561,"sentiment":"neutral","sentiment_score":0.21850059926509857}],"average":{"sentiment":"neutral","sentiment_score":0.1538098964905718}}}}